Speaker 1: Yeah, ripped of.
Speaker 2: News needed. That's so you don't happen.
Speaker 3: Come running just as fast as we can.
Speaker 4: Show Shooter's gonna help coming man.
Speaker 1: This is the Troubleshooter Show. Now, Tom Martino, Hi.
Speaker 2: Tom Martino here, Welcome to the show. Three oh three
Speaker 2: seven one three talk three oh three seven one three
Speaker 2: eight two five five.
Speaker 5: That's the studio.
Speaker 2: And uh if you want to call us twenty four
Speaker 2: to seven and including now live three oh three Martino,
Speaker 2: you see that three oh three six two seven eight
Speaker 2: four six six. Welcome to the show, one and all.
Speaker 2: We have a lot happening today. All a lot happening today. Now,
Speaker 2: I uh will assume who's on the phones today. And
Speaker 2: we have Mark Schumansky in the studio with Genesis Total Exteriors,
Speaker 2: and we have Matt Matt Stanford with Paragon Services. So
Speaker 2: Mark does a lot of insurance repairs and a lot
Speaker 2: of insurance work, and we always talk about how he
Speaker 2: is on the exterior of the house and can work
Speaker 2: on everything.
Speaker 5: Matt. Often Matt is the one that goes out.
Speaker 2: And I always say this, if you have multiple areas
Speaker 2: of damages in your home, you should not have a roofer.
Speaker 2: Do everything you should not have a siding guy do everything,
Speaker 2: meaning as far as negotiating with the insurance company. If
Speaker 2: you have multiple areas of damage, I believe you should
Speaker 2: at least consult with a public adjuster. Those are adjusters
Speaker 2: that work for the insured, for the public.
Speaker 5: They're called public adjusters.
Speaker 2: Do not confuse them with independent adjusters.
Speaker 5: That's a misnomer.
Speaker 2: An independent adjuster is an adjuster. The insurance companies higher
Speaker 2: when they are short staffed.
Speaker 5: So here's the way it works.
Speaker 2: The insurance company covers they're insured. They have company adjusters
Speaker 2: that go out and adjust claims. Their purpose is to
Speaker 2: save the insurance company as much money as possible by
Speaker 2: screwing you, like it or not. And they'll tell you
Speaker 2: their job is to give you a fair claim.
Speaker 5: I say it's to screw you.
Speaker 2: Then you have independent adjusters who are hired when their
Speaker 2: company adjusters are all busy. Now some people get the
Speaker 2: idea an independent adjuster is independent and they're on their
Speaker 2: own and they stick up for their unbiased Not true.
Speaker 5: They work for insurance companies.
Speaker 2: Then you have public adjusters, and they're totally different. They
Speaker 2: work for the insured, for you and me, and they
Speaker 2: look at your policy and see what coverages you have available.
Speaker 5: To make sure you get what you have coming.
Speaker 2: That's that, and they recommend Hey, you might want to
Speaker 2: call Genesis, you might want to call Excel, you might
Speaker 2: want to call somebody else, K and H. You might
Speaker 2: want to call this, You might want to call that
Speaker 2: and have them work for you. Now, Matt, did I
Speaker 2: cover that properly as far as adjusters and what you
Speaker 2: do and what happens.
Speaker 6: Yeah, I'm basically just an advocate for the homeowner or
Speaker 6: business owner because you really need representation nowadays going forward
Speaker 6: with a claim.
Speaker 2: You nailed it pretty good. Yeah, okay, So now what
Speaker 2: we want to do then is we want to make
Speaker 2: sure that basically that people are covered, meaning that they
Speaker 2: are covered the way they should be covered. In other words,
Speaker 2: you make sure of that. What do you do when
Speaker 2: somebody calls you and if they don't need.
Speaker 5: You, what do you do?
Speaker 3: Well?
Speaker 6: I can step in at any point, I can file
Speaker 6: a claim from the very beginning, I can step in halfway,
Speaker 6: or I can clean up at the end. The easiest,
Speaker 6: smoothest way is just call me from the get go.
Speaker 6: Most of the time, I would say, you know, seventy
Speaker 6: percent of the time people call me it's for hail damage.
Speaker 6: But there's also the sewer backups, the water claims, fires
Speaker 6: obviously random or the wildfires. So you just got to
Speaker 6: have somebody who knows the ropes to navigate through it
Speaker 6: because ultimately their interest is in at their bottom line.
Speaker 6: So my whole job is just to increase the value
Speaker 6: of the claim and then connect with a contractor that
Speaker 6: can handle the scope of the job. So yeah, at
Speaker 6: any point I can step in, but from the beginning
Speaker 6: is best.
Speaker 2: I should mention we are going to have studio video momentarily. Okay,
Speaker 2: Now having said all of that, then we have Genesis
Speaker 2: Mark Schamansky.
Speaker 5: So while you don't look at.
Speaker 2: Their insurance policy, Mark, and you don't try to interpret
Speaker 2: what's covered and what's not. You do, however, you do, however,
Speaker 2: look and see that they have damage and what it
Speaker 2: should what should be covered, right, I mean as far
Speaker 2: as the price that's correct.
Speaker 7: And we also give people advice if you should call
Speaker 7: you an insurance company or not. You know, if it's
Speaker 7: minor damage, it may not be worthy of a claim,
Speaker 7: except maybe you have two thousand dollars worth of damage
Speaker 7: and you have a thousand dollars deductible.
Speaker 8: I would not call that and file that at the claim.
Speaker 5: Yeah.
Speaker 2: So, now, Matt, if somebody really doesn't need you and
Speaker 2: they call you for advice, you don't charge them, right.
Speaker 3: No.
Speaker 6: I usually go out and take a look, like if
Speaker 6: it's a halo claim, I'll look at the roof, and
Speaker 6: if there's not a lot there, there's no reason to
Speaker 6: fight for it. You're just wasting everybody's time. But in Colorado,
Speaker 6: most of the time, you know, when I go on.
Speaker 5: The roof, there's a hail damage.
Speaker 6: So it's pretty rare that I don't recommend moving forward.
Speaker 2: Most of the people that.
Speaker 6: Call me have an idea that that probably there is
Speaker 6: some damage. They just need to know how severe it is.
Speaker 2: I want to give out both contact Genesis Total Exteriors
Speaker 2: dot com for multiple areas of damage three oh three
Speaker 2: six seven nine eight five zero nine, and then Paragon
Speaker 2: Services seven one nine seven two six zero zero two zero,
Speaker 2: and you can find both of them at referral lists
Speaker 2: dot com. Okay, so let's take.
Speaker 5: Your calls on any and all things.
Speaker 2: Three oh three seven to one three Talk is the studio,
Speaker 2: and of course three oh three Martino is the twenty
Speaker 2: four to seven number which comes to the studio when
Speaker 2: we're here, and I want to, uh make sure you
Speaker 2: know that we are working behind the scenes on a
Speaker 2: problem that came up yesterday and I was marked there
Speaker 2: because I want to make sure.
Speaker 9: He's there at tom Yeah, so update on the pilllong,
Speaker 9: it's a win, a good update.
Speaker 2: And let me explain this in a non volatile way,
Speaker 2: meaning we don't need you to take action anymore. We
Speaker 2: don't need you to make phone calls. And again, originally
Speaker 2: we said when you called, please be peaceful, just tell
Speaker 2: them you've heard about him.
Speaker 5: And there's no need to do that now.
Speaker 2: No, no, I know that, but that's what I did originally. Okay, Now,
Speaker 2: the bottom line was this. A man went in there,
Speaker 2: a cancer patient not long to live on chemotherapy, can
Speaker 2: hardly speak.
Speaker 5: He bought a Mercedes.
Speaker 2: Because he wanted to make one last trip to the
Speaker 2: West coast to see the ocean, and he wanted to
Speaker 2: do so with a new car. So he went in
Speaker 2: there and traded in a paid off Toyota Avalon. To
Speaker 2: make a long story short, again, I'm not going to
Speaker 2: rub it in, but I am going to talk about it.
Speaker 2: And what happened was he went in and he did
Speaker 2: the deal, and he paid a little more than I
Speaker 2: think that car was worth. He bought the Mercedes. It
Speaker 2: was a used Mercedes. He put down some money, he
Speaker 2: put down and thirty nine thousand dollars loan approximately, so
Speaker 2: his car was worth about twenty So he was into
Speaker 2: that car for about sixty four thousand the new car.
Speaker 2: But he changed his mind. He says, you know what,
Speaker 2: I have a problem here. I don't think I can
Speaker 2: make these payments. I shouldn't have done this.
Speaker 5: I'm dying.
Speaker 2: So he went back and said, can I get my
Speaker 2: car back? And they sold it back to him. But
Speaker 2: he had to put forty seven hundred dollars down for
Speaker 2: his own car, with a loan of twenty four to
Speaker 2: eight for his own car, which included, by the way,
Speaker 2: a contract for service on his own car. Bottom line
Speaker 2: is this after one month of using at Mercedes when
Speaker 2: he did this deal, his net loss was the five
Speaker 2: thousand he originally put down forty seven hundred on his
Speaker 2: own car, twenty eight thousand dollars eight to seventy five
Speaker 2: on his loan for his car. Now he got a
Speaker 2: check back for the for the He did get a
Speaker 2: check back for the forty seven for his extended warranty.
Speaker 2: So his net loss after all this was about thirty
Speaker 2: grand and so we thought that was a little unfair.
Speaker 2: Now take it away, Mark, Well, I just want to
Speaker 2: simplify it even more. You know, the guy walked in,
Speaker 2: traded in his Toyota for a Mercedes. He figured out
Speaker 2: thirty days or somewhere around there later that he couldn't
Speaker 2: make those payments. So at this point, really there's no
Speaker 2: issue that the dealer did.
Speaker 5: What I find is, what do you mean there's no
Speaker 5: what do you mean there's no he walked in trade
Speaker 5: into Toyota and he bought a Mercedes. I mean, was
Speaker 5: taking and was taken advantage of.
Speaker 9: Well, no, no, no, I'm talking the very first part
Speaker 9: when he walked in and bought the Mercedes.
Speaker 5: That's all I'm talking about is that part.
Speaker 9: I think my opinion where he really got taken advantage
Speaker 9: of is he couldn't make the payments. He goes back,
Speaker 9: he now has the exact same car that he started
Speaker 9: off with that he owed zero on, but now he
Speaker 9: owes over twenty thousand dollars on it and he's out
Speaker 9: of pocket. That's the part that just blows me away.
Speaker 9: Thirty days after this started, the guy owes over twenty
Speaker 9: thousand dollars on a vehicle, the exact same vehicle he
Speaker 9: didn't know what Nicol on a month before.
Speaker 5: To me, that's crazy. But the good news is the
Speaker 5: right people.
Speaker 9: At Phil Long and I don't mean it the dealership,
Speaker 9: I mean at Phil Long up in management, they're on
Speaker 9: this like crazy. They're assuring me they're looking into it,
Speaker 9: they're gonna figure something out. And on top of that,
Speaker 9: the attorney we had in yesterday and their attorney are
Speaker 9: going to meet next week and hammer out some details
Speaker 9: and hopefully get this thing one hundred percent resolved. Good good,
Speaker 9: I think it took to get to the right people.
Speaker 5: What do you think is gonna happen? I am very
Speaker 5: hopeful they're just gonna undo this.
Speaker 9: You know, there's a lot of circumstances here that you know,
Speaker 9: we're not talking legalities. Although the attorney was arguing he's
Speaker 9: a person at.
Speaker 5: Risk, he's absolutely a person. Well he was three feet
Speaker 5: from me.
Speaker 9: I don't doubt that either, But you know, really, I
Speaker 9: just I can't believe Phil Long.
Speaker 5: It's such a good name. Honestly, when's the last time
Speaker 5: we had a complaint. Well there weren't many complaints, but yeah, okay, so,
Speaker 5: I mean, I don't know.
Speaker 9: I was pretty shocked on this one, but I think
Speaker 9: I think it's going to be worked out.
Speaker 5: I really do. I hope they just undo it all together.
Speaker 2: When will we know?
Speaker 5: The attorneys sit down next week?
Speaker 9: I'm not sure what date, but I verified that with
Speaker 9: not only the phill Long management team but also with
Speaker 9: our attorney on it.
Speaker 5: Or I should say his attorney.
Speaker 1: What was her name?
Speaker 9: I want to say ray An rain A Bias Rain.
Speaker 9: I knew I was going to mix that up.
Speaker 5: Yeah, we should use her as an expert from time
Speaker 5: to time.
Speaker 1: Yeah, she's good.
Speaker 5: She's really good for the for the car stuff.
Speaker 9: Man about how many attorneys specialize in car problems.
Speaker 1: It's crazy.
Speaker 2: No, it's good that we have her and I hope
Speaker 2: that we can continue a relationship there because of the uh,
Speaker 2: the expertise, and I.
Speaker 9: Really am glad that I got to connect with some
Speaker 9: people that can make a difference at fill Long. I
Speaker 9: really that's good. That's excellent.
Speaker 2: Waterpros dot net the best water systems, the lowest prices.
Speaker 2: Right now, there's a deal. You can't be get it
Speaker 2: for the holidays man. You'll you can do your whole
Speaker 2: house softening wonderful softening and then whole house excuse me,
Speaker 2: drinking waters triple filter reverse osmosis. Both systems combined would
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Speaker 2: Waterpros dot net three three eight six two five five
Speaker 2: five four. Go with a sure thing Denver's best roofer
Speaker 2: Excel Roofing dot com. You don't pay a cent until
Speaker 2: you're content. Time for insurance check up free, no obligation
Speaker 2: in comparison call Compass Insurance. Pay too much your coverage
Speaker 2: at dozens of insurance companies find out now three oh
Speaker 2: three seven seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Remax Alliance
Speaker 2: three oh three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martino here three oh three seven one three talk
Speaker 2: three oh three seven one three eight two five five
Speaker 2: people where we are here to help you solve your problems,
Speaker 2: answer your questions, and take your complaints, make your life
Speaker 2: just a little easier.
Speaker 5: And you can text me. Let me remind you where
Speaker 5: you can text me.
Speaker 2: I get a lot of texts here, and you can
Speaker 2: text me in two places.
Speaker 5: First the iHeart app.
Speaker 2: You can short code five seven seven three nine five
Speaker 2: seven seven three nine will get you to me here,
Speaker 2: and we can talk. You can send a text put
Speaker 2: Tom in the subject line so I know it's there,
Speaker 2: it comes right to me. You can also text my
Speaker 2: private Google line seven four seven nine nine nine fifty
Speaker 2: two eighty seven four seven because I love airplanes, nine
Speaker 2: nine nine because I'm near perfect, and fifty two eighty
Speaker 2: it's the Mile High City. It's just a memory aid there.
Speaker 2: Seven four seven nine nine nine fifty two eighty. So
Speaker 2: a lot of people are calling to tell us we're
Speaker 2: not on in the Springs today. I guess we were
Speaker 2: preempted by something. So we'll be back on tomorrow. And
Speaker 2: if people are just spread the word of your wondering
Speaker 2: three h three seven one three talk, Let's talk to
Speaker 2: Matt Stanford. We have a question here on renters insurance. Now,
Speaker 2: Matt is a public adjuster who works for people who
Speaker 2: are insured to make sure they're not screwed by their
Speaker 2: insurance companies. He sees what coverages you have and that
Speaker 2: you're getting a fair settlement. And someone wants to know,
Speaker 2: does that work for renters insurance?
Speaker 6: Matt yes, But renter's insurance is usually for personal property contents, does.
Speaker 2: Not cover any dwelling coverage typically, but what if what
Speaker 2: if the renter has liability and personal property and the
Speaker 2: downstairs neighbor or the upstairs neighbor or the alongside neighbor
Speaker 2: or the HOA is going after them and the liability
Speaker 2: is being sluggish, Can you look at his liability coverage? Yeah,
Speaker 2: a lot of those end up with an attorney.
Speaker 6: Those HO six policies which are designed for condos or
Speaker 6: you know, multi family units, multi dwelling units, you know,
Speaker 6: that can get pretty sticky. But in general, you know,
Speaker 6: there's usually a clear path to the responsible party and
Speaker 6: determining coverage for that unit where the origin occurred. It's
Speaker 6: a little tricky. Every one of those is a little different.
Speaker 6: It's just some detective work. Now they okay, they can
Speaker 6: go to the lawyers. Now they say, and Mark, by
Speaker 6: the way, I sent you the link if you want
Speaker 6: to try the zoom right now.
Speaker 2: And folks, this is temporary solutions for studio video until
Speaker 2: we get this dialed in. But it's going to be
Speaker 2: overall much better. We're getting a lot of good feedback
Speaker 2: on the quality and stuff. So okay, next question then, Matt,
Speaker 2: if this is about coverage and getting the right coverage,
Speaker 2: why what happens? Where are they covered for their unit?
Speaker 2: We always hear the drywall in on a condo unit?
Speaker 2: What does that mean? Most of the time? That's that's true.
Speaker 6: It's so they call it skin in, which is basically
Speaker 6: the sheet rock and everything.
Speaker 5: Inside from there.
Speaker 6: That can vary though just again depends on the policy
Speaker 6: the HOA, how they had that set up can vary.
Speaker 6: But in general, if you have a balcony, that that
Speaker 6: area is covered by the hoa's insurance in any common areas,
Speaker 6: any hallways or common areas.
Speaker 8: Or Matt, what about windows on a condoor?
Speaker 10: Time?
Speaker 5: And this is marked from Genesis Total Exteriors.
Speaker 2: Go ahead, Yeah, usually the windows and doors.
Speaker 6: Lately, I you know, that used to be the hoa's case,
Speaker 6: but now I've seen a couple of claims where the
Speaker 6: doors and windows are actually the considered part of the
Speaker 6: unit owners.
Speaker 5: And but you would have to match, of course what
Speaker 5: they have there.
Speaker 2: And that's that's where it gets.
Speaker 6: Yeah, So if you you want to put in a
Speaker 6: new sliding door, for instance, on your balcony, that needs
Speaker 6: to be consistent with what the entire building has unless
Speaker 6: it's somehow not visible.
Speaker 7: So I guess we need an extra rider or something
Speaker 7: to make sure your windows are covered.
Speaker 8: Yeah, on a townhouse or a condo, right, yep.
Speaker 2: Okay, now, okay, so the coverage drywall in then Mark Schumansky,
Speaker 2: when I want to talk about what you do in
Speaker 2: a condo, because so many people say they find it
Speaker 2: very difficult to get a contractor into their Townhomer condo
Speaker 2: and the HA puts up all kinds of roadblocks. We
Speaker 2: had this happen with the HVAC companies, all kinds. So
Speaker 2: I want to talk about that because a lot of
Speaker 2: people do have problems and they need help, I mean,
Speaker 2: even simple remodeling in a condo.
Speaker 5: We just need to talk about that.
Speaker 2: Coming up, I'm Tom Martino three oh three seven to
Speaker 2: one three A two five five. By the way, Frank Duran,
Speaker 2: the real estate Man, will do an evaluation of your home.
Speaker 2: If you're thinking of selling, why would.
Speaker 5: You do that?
Speaker 2: So you know what to ask for it or what
Speaker 2: you're going to clear. He can predict, basically on his
Speaker 2: thirty years of experience, what you're gonna net on that
Speaker 2: and what you can buy. And it's all a free
Speaker 2: service provided by Frank Duran the real Estateman dot com.
Speaker 2: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 2: dot com. You don't pay until you're content. Time for
Speaker 2: an insurance check up free, no obligation. In comparison, call
Speaker 2: Compass Insurance paying too much your coverage at dozens of
Speaker 2: insurance companies find out now three oh three seven to
Speaker 2: seven to one help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax Alliance three oh
Speaker 2: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 2: your troubleshooter three oh three Martino three O three six
Speaker 2: two seven eight four six six is our number twenty
Speaker 2: four to seven three oh three Martino, and you can
Speaker 2: call it now.
Speaker 5: So let's go and mona widshot hear you?
Speaker 2: Okay, so let's go to Glenn, who wants to talk
Speaker 2: about a scam. Call Glenn, what's going on?
Speaker 11: That was a cute one. Yeah, this guy just called
Speaker 11: me a minute ago from a defunk number of car
Speaker 11: spoof number. And you hear the little water drop, the
Speaker 11: little blip as soon as you then.
Speaker 5: What does that mean? What does that mean? The little blip,
Speaker 5: just like when it's on that fake Google number and stuff.
Speaker 5: Oh okay, so all right.
Speaker 11: Well they he says, hey, did you get the two
Speaker 11: notices from Excel Energy about your disconnect that your residents
Speaker 11: that actually had my address? I figured he probably got it.
Speaker 5: Oh that Excel Energy thing, you got it?
Speaker 11: But yeah, well the funny thing is is I'm in
Speaker 11: Elizabeth and we don't have that Excel. So I just
Speaker 11: laughed at him and told him he needs to run
Speaker 11: a better scam.
Speaker 2: And so anyway, what happened? Did you did you get
Speaker 2: his number? I wish you would have gotten a number
Speaker 2: so we could have scammed the scammer.
Speaker 5: Yeah.
Speaker 11: I didn't quite get there. I was just taken back there.
Speaker 2: What did he want you to do? Make payment on
Speaker 2: your Excel bill with Apple tunes or something.
Speaker 5: I mean, it's amazing.
Speaker 2: What cards they asked you to get to pay for
Speaker 2: your utilities?
Speaker 11: Oh he was looking for a credit card number.
Speaker 2: Oh okay, well geez, let me give it to you
Speaker 2: right away. I know, it's crazy.
Speaker 5: Heads up, Yeah, these happen all the time. So you
Speaker 5: just got it.
Speaker 2: And and the number you captured wasn't really their number
Speaker 2: at all, right.
Speaker 11: Oh not at all, and it's a dead defunct number
Speaker 11: that doesn't answer to anything.
Speaker 2: It's of course, of course, well thanks plan, I appreciate
Speaker 2: you listening and whatever, and so anyway, people here, here's
Speaker 2: the bottom line. None of these services call you for payment,
Speaker 2: none of them.
Speaker 5: None of them. None of them do that, none of them.
Speaker 2: So they might email you and say, you know, call call,
Speaker 2: they don't. Even the legit ones don't even give you
Speaker 2: a link anymore. I got one from Chase today and
Speaker 2: it says log onto your Chase account and make sure
Speaker 2: something is up to date. So but that's all they
Speaker 2: said to do. They didn't say, hit you know, link here.
Speaker 2: They didn't say call this number, because you don't know
Speaker 2: what is inside the email, if it's accurate, if it's
Speaker 2: really from Chase, whatever, whatever, whatever. Now, some people know
Speaker 2: how to read URLs, they know how to they know
Speaker 2: how to talk about a genuine or if it's a
Speaker 2: genuine you.
Speaker 5: Are al mark. Do you feel comfortable?
Speaker 2: Do you feel comfortable looking at a URL knowing it's genuine?
Speaker 5: Yeah, But I generally don't follow anything like that.
Speaker 2: I mean, even if it has a legit r L right,
Speaker 2: because I think they can spoof you arel not you
Speaker 2: are l. Yeah, they can spoof like I think you're up.
Speaker 9: I don't think they can really spoof URLs, not real ones.
Speaker 9: But no, no, I mean in the in your email
Speaker 9: when it say look real, but the link's different exactly.
Speaker 5: They can make it look like Excel energy.
Speaker 9: I mean, Kelly, why would you unless if you do
Speaker 9: like a password reset and you initiated it, then it
Speaker 9: emails you a link for a password reset. I don't
Speaker 9: know why most people would ever follow any unless if
Speaker 9: they initiated it. Why would you click on any link?
Speaker 2: Exactly? That's the way I feel. I mean, it's ridiculous.
Speaker 2: I don't know how many people have been scammed over
Speaker 2: the years, but my god, it happens all the time.
Speaker 2: People are losing their life savings now and a lot
Speaker 2: of that's having to do with the remote software. Now
Speaker 2: I want to I want to tell you about my
Speaker 2: guest here that I had come in. His name's Dimitri,
Speaker 2: and he's going to be one of our deputies because
Speaker 2: he's an entrepreneur for many years. I've known him for
Speaker 2: I think forty years, thirty years whatever. I was on
Speaker 2: Channel four to how I got to meet him. I
Speaker 2: was on Channel four and they were doing a cover
Speaker 2: for a magazine about me, right, and.
Speaker 5: Was a GQ or mad magazine.
Speaker 2: No, I think it was a GQ and play girl.
Speaker 2: But anyway, I was doing a cover for a business
Speaker 2: magazine of some kind and they did a really clever
Speaker 2: shoot where I had all of these things juggling in
Speaker 2: the air and like toasters and cars and and but
Speaker 2: they needed a really beautiful background city scape. They didn't
Speaker 2: want me outside though. They wanted to control the lighting
Speaker 2: and Dmitrian, how the hell did they pick you? How
Speaker 2: did they know you? Did you know the photographer?
Speaker 12: I'm friends with a photographer.
Speaker 5: Oh okay, and he remembered your backdrop.
Speaker 13: He's been to my loft before and he thought it
Speaker 13: was a good urban setting.
Speaker 2: You can see everything right from your loft. Are you
Speaker 2: still there, by the way, I'm still there. No, really, yes,
Speaker 2: ho stays there that long? You must make a mint
Speaker 2: on that thing. Holy crap. If you've owned that for
Speaker 2: how many years?
Speaker 3: Oh?
Speaker 12: I bought it in two thousand.
Speaker 2: And oh so it was only in two thousand we
Speaker 2: did this, okay, So, but so in two thousand, that's right,
Speaker 2: because okay, so two thousand that thing must have gone
Speaker 2: up tremendously in value.
Speaker 5: Wow.
Speaker 13: Yeah, I think I'll do okay with it, especially since
Speaker 13: the capital gains will be tax free.
Speaker 2: Yeah, or some of them, some of them okay. So
Speaker 2: so anyway we went Uh. So we went there and
Speaker 2: did it, and I met him and that was it.
Speaker 2: And then we ran into each other from time to time,
Speaker 2: and most recently I ran into him at at a party,
Speaker 2: so and I hesitated. Well, No, it's a party he
Speaker 2: started with some friends called meat Fest. That's right, Mark
Speaker 2: meat Fest.
Speaker 5: Geez, do you know what it is? I hate to
Speaker 5: even guess. Meat Fest is where.
Speaker 2: You go and everyone brings a meat dish and it's
Speaker 2: meant to uh, to celebrate meat.
Speaker 5: Is it like an all boys club or what? No?
Speaker 13: Oh, No, everyone's there, everyone is welcome, and we had
Speaker 13: twenty six different animals represented at this year's fest time.
Speaker 1: Oh my god.
Speaker 9: Okay, well then like, yeah, armarillo, what are those armadilla?
Speaker 5: Armadillo? Was that I think I think there might have been.
Speaker 5: There was ally gator. H there was a there was
Speaker 5: a snake, caraban monkey.
Speaker 2: No, no, a lot of rattles thinking different things, and
Speaker 2: I brought well what was Yeah?
Speaker 5: What did you bring? The most exotic you can find?
Speaker 2: Steak?
Speaker 5: Meatballs? Meatballs, they were good.
Speaker 12: And that tomatoes because.
Speaker 2: What we had to do was make small bite size
Speaker 2: for seventy five people.
Speaker 5: What was the most exotic though?
Speaker 2: Wait wait wait wait, wait wait wait, I forget the
Speaker 2: name I had it, the little uh little vermit. Oh
Speaker 2: something I got No, there was some really crazy stuff.
Speaker 2: No no, no, no, no, road kangaroo time.
Speaker 5: No we didn't. Those are in Australia or not Australia. No, no,
Speaker 5: there were some I can't think of it, damn it.
Speaker 5: They were really weird.
Speaker 9: You remember back in the day, everybody thought for a while,
Speaker 9: like in the nineties or late eighties, they thought McDonald's
Speaker 9: was serving kangaroo.
Speaker 2: Yeah, yeah, that would anyway. So here's what I want
Speaker 2: to tell you. So I man into him, and he says,
Speaker 2: you know, I have my schedule, is my own. You
Speaker 2: know he works, But he says, hey, I'd love to
Speaker 2: do that. I've been listening to you for years and
Speaker 2: I have a lot of expertise. Of course he does.
Speaker 2: So what business are you in now?
Speaker 13: I operate a small commercial recycling company.
Speaker 5: And when I met you, what were you doing?
Speaker 12: I was working for a commercial recycling company.
Speaker 5: Oh wait a minute, Wait a second.
Speaker 9: When you say recycling, do you mean like like trash,
Speaker 9: like when they pick up the trash.
Speaker 5: But it's a recycling bin.
Speaker 12: No, not the residential mix.
Speaker 13: We recycle for industrial customers who produce enormous amounts of cardboard, plastics,
Speaker 13: and certain metals.
Speaker 9: So you're picking up exact stuff like cardboard or plastic
Speaker 9: or whatever.
Speaker 12: Exactly.
Speaker 5: I've always thought this.
Speaker 9: Tell me if this is true, I'm talking more of
Speaker 9: the residentials, and I'm talking to some of these fly
Speaker 9: by night exactly.
Speaker 2: I want to know the same thing you're going to ask.
Speaker 9: Go ahead, Yeah, so you know they want to charge
Speaker 9: you a five bucks extra to get the recycling bind
Speaker 9: I think it all go in the same place. Now,
Speaker 9: I'm not saying that about for example, waste management. But
Speaker 9: I mean there is a million fly by night trash
Speaker 9: trucks that start a little route and they sell it
Speaker 9: to the big guys. I don't think they actually recycle.
Speaker 5: What do you think?
Speaker 2: Hold on? I want to come right back to that
Speaker 2: mark because I also want to ask. I want to
Speaker 2: ask how much of the recycling is wasted because we
Speaker 2: don't do it right.
Speaker 5: You hear all of these rules.
Speaker 2: You can't have food in it or touching it. I mean,
Speaker 2: does that mean we wash our bottles before putting them
Speaker 2: in there?
Speaker 5: You can't have labels, some of them say no bags.
Speaker 5: I want to know what happens.
Speaker 2: Do they take the thing and go through it and
Speaker 2: separate and try to keep some of it or do
Speaker 2: they just say the hell with it? I want, I
Speaker 2: really do. I want to hear this from somebody in
Speaker 2: the business. Plus what you just asked. Coming up on
Speaker 2: the Troubleshooter Show, Go with a sure Thing Denver's Best
Speaker 2: Roofer Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're content time for an insurance Yeah, cup free,
Speaker 2: no obligation. In comparison, call Compass insurance paying too much
Speaker 2: your coverage at dozens of insurance companies. Find Out Now
Speaker 2: three all three seven seven to one.
Speaker 5: Help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate man dot Com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two, Martino Your Troubleshooter three oh three Martino
Speaker 2: three oh three six two.
Speaker 5: Seventy eighty four to six.
Speaker 2: Yes, we are solviing problems, answering questions, tak complaints Like yesterday, man,
Speaker 2: we had some, we were loaded with problems and uh
Speaker 2: and did some real good and we'll have follow ups
Speaker 2: coming up. We have in the studio with us also
Speaker 2: Mark Shamansky and Key's with Genesis Total Exteriors. We have
Speaker 2: Matt Stanford with Paragon Services, and I do have some
Speaker 2: texts for them as well. Paragon Services does public adjusting.
Speaker 2: But we were talking about recycling, so I want to
Speaker 2: continue on that vein. So Mark, what were you asking
Speaker 2: about recycling? Do they really recycle?
Speaker 3: Yeah?
Speaker 9: Aren't there trash companies that don't? I mean, for real,
Speaker 9: there must be there must be.
Speaker 13: Well, I periodically hear those stories from time to time.
Speaker 13: I personally have never encountered one. I can tell you
Speaker 13: that there are only a few facilities in the metro
Speaker 13: area that process residential recycling. Waste Management and Republic Services
Speaker 13: both run.
Speaker 2: And when they pick up those yellow lids, they really
Speaker 2: do take them to the recycling center. Yes, what do
Speaker 2: they do? Because not everyone follows the exact rules? I mean,
Speaker 2: my god, they're like rules right, like, yeah, okay, so
Speaker 2: what do you do?
Speaker 13: Well, if there's contamination, which is very common in residential recycling, yeah,
Speaker 13: then you know, it's a labor intensive process. That stuff
Speaker 13: gets dumped and then bulldozed dowto miles of conveyor belts.
Speaker 12: And there are many, many people.
Speaker 2: There are people that literally separate does so, Now, if
Speaker 2: you put a bottle in there and it has a
Speaker 2: little bit of cranberry juice left, can they use it
Speaker 2: or they yes? Okay, So what would make a bottle
Speaker 2: not used?
Speaker 13: You know, if there's more than just some residual juice
Speaker 13: or milk in it. If you have a quarter full bottle,
Speaker 13: they're not going to open it up and dump the
Speaker 13: stuff out.
Speaker 12: That's going to go in the trash.
Speaker 5: Okay, what about a pizza box?
Speaker 13: Good question, I get that all the time. Pizza box
Speaker 13: grease stains, Yeah.
Speaker 14: Do not.
Speaker 13: Those do not affect the recyclability of the cardboard. But
Speaker 13: if there's some cheese stuck to it, or if you
Speaker 13: have the foil liners still in there.
Speaker 2: So Anthony's boxes, No, no, But will they they won't
Speaker 2: even take that trash off of the box and then
Speaker 2: put the box in recycle.
Speaker 12: Yeah, they'll just shove it right off the line into
Speaker 12: the reject.
Speaker 2: Okay, what are some other common things that are rejected
Speaker 2: that we think, hey, this is good.
Speaker 13: Well, I think there are a couple of things that
Speaker 13: really plague the recycling facilities.
Speaker 12: One of them is films.
Speaker 13: It's the technical term for bags and seram. No bags,
Speaker 13: no bags. They no kind of plastic bag, No plastic bags.
Speaker 13: They get wrapped around all kinds of equipment. They also
Speaker 13: get wrapped around other recycling recycling that otherwise would be recovered.
Speaker 2: So you don't so okay, wow, I didn't know. So
Speaker 2: if you get a package in a plastic bag or
Speaker 2: any plastic you don't. You don't put any plastic bags
Speaker 2: in recycling.
Speaker 12: No plastic bags.
Speaker 2: Okay, so if it's mixed in with your other stuff,
Speaker 2: it doesn't ruin your entire it's not like they reject
Speaker 2: the whole thing.
Speaker 5: They put it on a conveyor belt, as you said,
Speaker 5: Yeah they do.
Speaker 13: But if that plastic is stuck to or wrapped around
Speaker 13: some otherwise recyclable commodities, they're not going to be able
Speaker 13: to take the time to pull them away from the plastic.
Speaker 12: They'll just shove the hole.
Speaker 9: So after all the glass is sorted and whatever there is.
Speaker 9: After everything sorted, and then you have clean glass here,
Speaker 9: you have cardboard here, whatever it happens to be.
Speaker 1: What do they do then?
Speaker 9: Do they like crush it into blocks and then they
Speaker 9: sell it to the highest bidder?
Speaker 5: I mean, what the hell do they do with it?
Speaker 13: That's correct, They bail it into these big blocks that
Speaker 13: are about the size of an office desk of like
Speaker 13: stuff exactly. So there would be a bail of cardboard,
Speaker 13: a bail of them, and the cans a bale of milk.
Speaker 9: Jugs, and then like pepsi co for lack of a
Speaker 9: better word, who who's recycling plastic to use for you know, pepsi?
Speaker 5: They would maybe buy it if the price was right.
Speaker 12: Yes, all of that stuff gets sold.
Speaker 2: But but does it get sold not to the end
Speaker 2: user but to people who know how to make it
Speaker 2: into something. Right, So when when PEPSI says it uses recycled,
Speaker 2: they it goes somewhere first to be recycled, right, I mean,
Speaker 2: or does PEPSI take it and melt it down and
Speaker 2: use it.
Speaker 13: No, to the best of my knowledge, PEPSI does not
Speaker 13: operate a reprocessing facility, but there are plenty of reprocessors
Speaker 13: that will buy it.
Speaker 2: So there's recycling which puts it all to the then
Speaker 2: sens reprocess for the reprocessor connect. But then word does
Speaker 2: it go which commodity the processing plasastic.
Speaker 13: So you know, to continue with plastics. So there's bale
Speaker 13: of soda bottles for example. We'll go to a plastic
Speaker 13: recycled reprocessing facility where it's ground up into tiny little chipps.
Speaker 13: It gets washed to remove the residual you know, soda, milk,
Speaker 13: all that stuff, labels, and then that's sent to another
Speaker 13: factory that makes plastic bottles which are then solds to
Speaker 13: the end.
Speaker 2: Wow, we have a lot happening here, so hang on
Speaker 2: and we'll come back to this and more. Plus we
Speaker 2: have guests in the studio and questions. I'm Tom Martino
Speaker 2: three oh three seven to one three talk or three
Speaker 2: oh three Martino three oh three.
Speaker 5: Six two seven eight four six ' six.
Speaker 2: I'm Tom go with a sure thing Denver's best roofer
Speaker 2: Excel Roofing dot com. You don't pay a cent until
Speaker 2: you're content. Time for an insurance check up free no
Speaker 2: obligation comparison call Compass Insurance Paying too much your coverage
Speaker 2: at dozens of insurance companies find out now three oh three,
Speaker 2: seven to seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Remax Alliance
Speaker 2: three oh three nine two zero sixteen twenty two.
Speaker 4: Yeah, ripped you needed, that's who.
Speaker 2: You don't have to.
Speaker 3: Run anxious as fast as we can.
Speaker 4: Shooter's gonna help her.
Speaker 1: Come Man six is the Troubleshooter Show.
Speaker 15: Now Tom Martino, Welcome, Welcome to the show, mister Martino.
Speaker 5: Yeah, tell him? Why are you about it?
Speaker 2: Why are you racing me out of it?
Speaker 5: What do you what do you mean? Nothing? I just
Speaker 5: you thought I was absent? Well I should have maybe
Speaker 5: aren't you maybe not?
Speaker 2: You know you keep making these jokes. It's been out
Speaker 2: there in the public and soon soon as I retired,
Speaker 2: there will be a lawsuit against Shannon and Dragon and
Speaker 2: Kaschina and Mark, and I will claim all elder abuse
Speaker 2: for a person at risk. And by the way, I
Speaker 2: got so many witnesses. All my YouTube morons are witnesses.
Speaker 2: They all say they will testify for me on the
Speaker 2: elder abuse And so it's gonna be it's gonna.
Speaker 9: Be terrible for you guys. I got twenty bucks. She
Speaker 9: forgets about the lawsuit.
Speaker 2: See that's another one that's going on there too, the
Speaker 2: only one not being named in the suit of sues.
Speaker 2: And I love it because she treats me so well.
Speaker 5: Oh you should see what she says when you're not.
Speaker 2: Right.
Speaker 5: Yeah, So anyway, I might name my kids.
Speaker 2: For elder of you.
Speaker 9: Notice as your kids hit well, your kids are not
Speaker 9: quite there yet, but as they get around twenty and
Speaker 9: a little above, they really do have this. They really
Speaker 9: do start making fun of their parents in the age
Speaker 9: and things like you say that nowadays, they don't say, well.
Speaker 2: They've been making fun of us for a long time.
Speaker 2: They just got of course, what do you think my
Speaker 2: kids at eighteen and nineteen are not doing that. But
Speaker 2: by you know, I'm old for having kids eighteen and nineteen.
Speaker 5: I get it.
Speaker 2: So the extra they have extra stuff to make fun of, Patricia,
Speaker 2: What do you want to talk about, Patricia, Welcome to
Speaker 2: the show.
Speaker 16: Well, I wanted to shout out to Matt. I have
Speaker 16: been using him for a fire that I've had, and
Speaker 16: he has been an absolute blessing to me. Okay, So,
Speaker 16: I don't know how do people understand how complicated these
Speaker 16: kinds of insurance claims can be when you've got a
Speaker 16: condo and you're dealing with condo insurance and your own
Speaker 16: personal insurance. And I don't know that I could have
Speaker 16: gotten through.
Speaker 14: It without him.
Speaker 5: So what did he do for you?
Speaker 16: He's done everything. I mean, he's he's dealt with with
Speaker 16: the association, he's dealt with the insurance, most insurance companies.
Speaker 16: He's brought in the restoration company. He's walked me through everything.
Speaker 5: Matt, give us a rundown on hers if it sounds familiar,
Speaker 5: you know.
Speaker 16: Talking about you're going to retire. Well, I'm an.
Speaker 14: Elderly too, and I'll show you how.
Speaker 5: Old are you?
Speaker 3: Eighty?
Speaker 5: Okay.
Speaker 16: I was so overwhelmed that I didn't know whether I
Speaker 16: was coming or going and Matt has been a blessing.
Speaker 16: He is, he is on the spot, He explains things
Speaker 16: to you, he calms you down. It's amazing, It's amazing.
Speaker 1: Geez, Matt out there.
Speaker 16: I don't realize that there are public adjusters that can
Speaker 16: step in and ward off these insurance companies who.
Speaker 14: Just attack you.
Speaker 9: We've also had the opposite though, We've had some complaints
Speaker 9: on public adjusters.
Speaker 5: Well, some shammers nuts.
Speaker 2: Yeah, We've had some guys that call themselves public adjusters
Speaker 2: that actually started out pretty well. But then, jeez, Matt,
Speaker 2: how many people have you seen come and go in
Speaker 2: the space. Oh a few. I mean a lot of
Speaker 2: them dabble in it.
Speaker 6: Uh, they're you know, their realtors and their public adjusters
Speaker 6: and their plumbers kind of thing. So to have somebody
Speaker 6: jump in full time, I mean, this is a waiting game.
Speaker 6: You don't get paid until the insurance the you know,
Speaker 6: the insurance pays out, and that could be months. How
Speaker 6: many people could start a business with that model, you know,
Speaker 6: so it weeds them out pretty good.
Speaker 2: But you have to have a pipeline. You gotta have
Speaker 2: a pipeline and some capital to get going.
Speaker 17: Uh.
Speaker 5: But attorney, well, and you got to wear a lot
Speaker 5: of hats.
Speaker 6: It's sales, it's marketing, it's you know, you're you're trying
Speaker 6: to be a diplomat. It's not easy, and it's it's
Speaker 6: getting harder. These insurance companies are coming up with new tricks.
Speaker 6: But yeah, yeah, I see a lot of public adjusters
Speaker 6: come and go for sure.
Speaker 2: Okay, Now, as far as pat Patricia, thank you by
Speaker 2: the way for that. It's very kind of you to
Speaker 2: tell us the follow up, Mark, I'm sorry, go ahead.
Speaker 5: Let me ask Matt something.
Speaker 9: So my understanding from you is, once an insurance company
Speaker 9: says yeah, you're covered, that's pretty much it is that correct.
Speaker 2: Or let's say, let's say.
Speaker 9: In my case, what we're dealing with in my house
Speaker 9: right now, the initial estimate is twelve thousand. You got
Speaker 9: involved because they said we're not going to do the claim.
Speaker 9: We don't think you had coverage. You get involved. They say, okay,
Speaker 9: he does have coverage, and they send me a check
Speaker 9: for twelve But then we say, oh, by the way,
Speaker 9: you owe him another forty fifty thousand, exactly like we're
Speaker 9: doing right now.
Speaker 5: Why well, I'll tell that in a minute.
Speaker 9: But my question is, at that point, once they already
Speaker 9: said we're going to pay you for whatever it is.
Speaker 9: You do have coverage if you up the claim like
Speaker 9: we're doing in my case. Can they come back and say,
Speaker 9: oh no, no, no, no, no, we're not going to
Speaker 9: cover you now.
Speaker 1: No.
Speaker 6: At that point, they're just gonna if they're gonna deny,
Speaker 6: they're going to deny supplements.
Speaker 1: They're going to argue the supplement, they're.
Speaker 6: Gonna argue the number. Once they say you're approved, I
Speaker 6: have very rarely seen them pull the poker cards back.
Speaker 9: So once they approved me Tom, they thought all they
Speaker 9: would have to do is basically resand the hardwood floors.
Speaker 1: We basically had a flood, so.
Speaker 9: In the woods, you know, it needs to be resanded,
Speaker 9: some of it needs to be replaced. And then we
Speaker 9: have connecting hardwood though throughout the entire basically first floor.
Speaker 9: So the issue became one of them. The bay, the baseboards,
Speaker 9: and paint. So originally they were saying it's going to
Speaker 9: be twelve grand to sand and finish the floor. Then
Speaker 9: basically Matt said, well you're forgetting we need some new
Speaker 9: flooring over here. So then you got that. Then he said,
Speaker 9: look at this baseboard. My baseboard is continuous with that hardwood.
Speaker 9: And it's the same hardwood is the hardwood. So if
Speaker 9: you replace that, it becomes a different color. You've got
Speaker 9: a better way to work.
Speaker 5: I understand. I just know what you're saying because and.
Speaker 2: You are, you are expected to have your house that's trick.
Speaker 9: And then what happens when you take baseboard off a
Speaker 9: lot the paint will chip where it goes back on
Speaker 9: or it comes off.
Speaker 6: They're standing that floor down and Mark Simanski can talk
Speaker 6: about this. That's going to drop the baseboard a eighth
Speaker 6: of an inch.
Speaker 8: Eight and then say your cock line where you have cocktail.
Speaker 5: Now you got to paint the walls.
Speaker 9: Now you need new baseboard is basically where okay, so
Speaker 9: then hold on.
Speaker 2: So then from the walls, then if that, if you
Speaker 2: paint the walls, you got to match the ceiling, and
Speaker 2: then of course you got to do light things to
Speaker 2: match the ceiling, and then you gotta send and then
Speaker 2: you gotta pay for Mark's new car.
Speaker 9: So I so that's how it went from twelve and
Speaker 9: now it's up around sixty thousand. But I warned them
Speaker 9: it to be, didn't I. Matt actually told me, you know,
Speaker 9: you couldn't handle it.
Speaker 2: Why were they being such jerks though, seriously about not
Speaker 2: claiming at all?
Speaker 5: What was that about to defer to mat.
Speaker 2: On that well, it was a hail damage.
Speaker 6: That it was hailstorm that piled up on his back
Speaker 6: door and then melted and seeped in through the door.
Speaker 2: So then they call that flood when water flows.
Speaker 9: But I have flood insurance, which the original adjuster I
Speaker 9: don't think she realized I had that addendum on my
Speaker 9: policy and they said, no, we're denying it because it's flood,
Speaker 9: and I said, dummy, I have flood insures.
Speaker 5: Okay, I want to ask though, I want to ask
Speaker 5: mat something.
Speaker 2: So technically, if he didn't have flood insurance, even though
Speaker 2: it was hail, once the hail piles up and melts
Speaker 2: and flows, I hear, anytime water flows from a from
Speaker 2: a surface, a horizontal surface on the exterior of their
Speaker 2: home into a home, it's flood. Is that the definition?
Speaker 5: Yeah?
Speaker 6: In most cases this one, I basically got away with
Speaker 6: it because it was his death and not the ground.
Speaker 5: But you're right, But because it's a horizontal surface.
Speaker 6: Right, I basically told them, you know, this guy's got
Speaker 6: the best coverage money can buy.
Speaker 2: We need to find a path. Let's go and now
Speaker 2: it happened.
Speaker 5: Explain bad faith when we come back.
Speaker 2: I'm Tom Martinez.
Speaker 5: I want to know. I hear it all the time.
Speaker 2: Now I heard Colorado is very friendly to a consumer
Speaker 2: when it comes to bad faith because you just have
Speaker 2: to have a few conditions and it could very well
Speaker 2: sting the hell out of an insurance company. We'll talk
Speaker 2: about that coming back. Eight eight eight Heating dot com.
Speaker 2: Garrett and his team great people for checking out your systems,
Speaker 2: and they do hybrid high efficiency systems especially good now
Speaker 2: if you're looking for electric backup if for your heat
Speaker 2: and you have a solar system three oh three seven
Speaker 2: seven zero two seven seven six, go with a sure
Speaker 2: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until you're content. Time for an insurance
Speaker 2: check up free, no obligation. In comparison, call Compass Insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three all three seven seven to one help.
Speaker 2: You'll think you're his only customer. When you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two.
Speaker 11: Yeah, cool, you're on, You're on.
Speaker 2: Okay, Well, thank you. I usually I hear bumper music.
Speaker 2: What the hell happened? Three O three seven one three
Speaker 2: talks seven one three eight two five five. I'm like
Speaker 2: a trained seal. I hear things and I react my part.
Speaker 5: I'm almost as old as you. No way, Shannon, no way.
Speaker 2: So Jay wants to talk about lowering hardwood floors. What
Speaker 2: I don't Oh, by the standing you're talking. That's so microscopic,
Speaker 2: isn't it?
Speaker 17: So?
Speaker 5: Jay, what what was your comment on that?
Speaker 18: We just did a house. Famy had to come and
Speaker 18: keep redoing the floors because they couldn't get it just right.
Speaker 18: It's a very nice house, so it had to be perfect.
Speaker 18: When they were done, we put the baseboard trend back
Speaker 18: on and it left a bit of a line where
Speaker 18: the calking had been.
Speaker 5: Yeah, that's what those guys were talking about.
Speaker 18: Yeah, yeah, So what we had to do was get
Speaker 18: it nice and smooth and re re repatch it and
Speaker 18: texture it and knock it down and blend the texture in.
Speaker 18: And that was a lot of work.
Speaker 9: So did you have to repaint those that those walls too. Yep, yep,
Speaker 9: that's what I'm facing right there.
Speaker 18: Town in order to make it perfect. And it's a
Speaker 18: nice house. It had to be. It wasn't an apartment
Speaker 18: or something like. We just do what we need to
Speaker 18: do and roll. This is a beautiful house. It started beautiful,
Speaker 18: and he wanted it back where it was. So that
Speaker 18: took us quite a while.
Speaker 5: Huh.
Speaker 2: Okay, So this is a like a chain reaction, guys,
Speaker 2: I was joking, you know, then we go upstairs and
Speaker 2: then we buy him a new car.
Speaker 5: I mean, it's like a chain reaction.
Speaker 9: I'm trying to figure out how I get my barn painted. Yeah, so,
Speaker 9: but it really does happen. Now I have a question.
Speaker 9: We were going to talk about bad faith.
Speaker 2: So I was told Matt in Colorado, and this was
Speaker 2: told to me by an attorney.
Speaker 5: I think his name was London.
Speaker 6: Remember London, Yeah, London, uh Crons Yep, yep, I'm friends
Speaker 6: with him.
Speaker 2: He does bad faith. And he said, if there is
Speaker 2: a legitimate estimate and and apprizal appraisal, meaning that an
Speaker 2: expert contractor says this must be done, this is damage
Speaker 2: and a legitimate price that if they just turned down
Speaker 2: any legitimate claim like that, that's under the policy.
Speaker 5: It's bad faith.
Speaker 2: Well that has to be determined by the court. Well, yes,
Speaker 2: of course, but I mean you can sue on bad faith.
Speaker 2: But the bad faith death.
Speaker 5: Definition in Colorado is pretty broad. He said.
Speaker 2: It's delay and deny. So exactly.
Speaker 6: So, if an insurance company is delaying, you know, beyond
Speaker 6: a reasonable time. Let's say you file a claim and
Speaker 6: they ignore you for two months, that's clear delay. If
Speaker 6: they come back and go, oh, yeah, we forgot about you.
Speaker 6: By the way, we're not covering your loss. Now they've
Speaker 6: hit both d's deny. So then you would take it
Speaker 6: to you have to have both. I heard you don't
Speaker 6: have to have both. No, you don't. But if you're
Speaker 6: going to try to get a judge to say that
Speaker 6: it's bad faith, you really need that type of AMMO.
Speaker 6: And it's going to pay triple if they if they
Speaker 6: agree to it.
Speaker 2: There's a statutory Yeah, there's a statute for bad faith
Speaker 2: according to my girlfriend here and it's CRS ten three
Speaker 2: one eleven five.
Speaker 5: Now here's what it says.
Speaker 2: An insurance company is prohibited from unreasonably just what you
Speaker 2: just said, delaying or denying of a claim for benefits,
Speaker 2: and it says if an insure unreasonably delays or denies
Speaker 2: a claim, they can be held for damages, including attorneys fees.
Speaker 2: That's pretty broad, fricking base man.
Speaker 6: It's it's a gray area, and that's why I don't
Speaker 6: see too many of them go through the courts and
Speaker 6: win in bad faith.
Speaker 2: It does happen, but I.
Speaker 6: Don't wait, wait, wait, you're saying it's it's difficult to win.
Speaker 6: I very rarely see it, honestly.
Speaker 5: Yeah.
Speaker 6: Now I do see claims, and I have a bunch
Speaker 6: of them with attorneys and they go through appraisal or
Speaker 6: they go into litigation and mediate and they get the
Speaker 6: claim paid plus attorney's fees. But not triple bad faith.
Speaker 9: No, that's hard because at some point someone someone's hitting
Speaker 9: that calculator, that accounting and going, okay, it's not worth.
Speaker 5: The risk, right, and they say uncle, they say uncle, yump.
Speaker 2: Settle on the courthouse steps.
Speaker 9: Wasn't the first one. Didn't it have to do with
Speaker 9: mold in that Ed McMahon or something that wasn't necessarily
Speaker 9: bad faith?
Speaker 5: I don't think it might have been. I think it
Speaker 5: was one of the largest bad faiths ever made.
Speaker 2: I think with him it was more it was that
Speaker 2: one of the first mole cases as to whether you
Speaker 2: can whether you can have a probable cause something be
Speaker 2: claimed because of something that was covered and and like
Speaker 2: what we're talking about the chain reaction. But I'm not
Speaker 2: sure it was so long ago, but he changed the
Speaker 2: entire face of the industry because mold has become like
Speaker 2: in Texas, for example, some insurance companies started writing policies
Speaker 2: and say we're not covering it because people would have,
Speaker 2: Honest to god Mark, when my show was on ktr
Speaker 2: H there, we would have people who had a leak
Speaker 2: in a window coming to their home over a few
Speaker 2: months and they wanted their whole house rebuilt because of
Speaker 2: toxic mold.
Speaker 5: I mean, it was. It was ridiculous. So I don't know.
Speaker 2: I don't remember the case that well. Do you remember
Speaker 2: it Matt Ed McMahon case. It was very famous.
Speaker 9: So basically he had a pipe it broke during his
Speaker 9: television career. I think it was July two thousand. Wood
Speaker 9: pipe broke flooded the den and the den was actually
Speaker 9: filled with memorabilia from his career.
Speaker 1: They discovered mold.
Speaker 9: In the den A month later. It spread through the
Speaker 9: heating and air conditioning ducks. In fact, at one point,
Speaker 9: their dog, what's the dog's name, It actually showed the
Speaker 9: dog's name, Muffin that looked like a sheep dog began
Speaker 9: suffering from respiratory illness.
Speaker 5: It was all a surrounding Mold and the company.
Speaker 9: Even though they paid for I guess some of the
Speaker 9: memorabilia that was destroyed by the water and some other stuff,
Speaker 9: they refused to pay for the mitigation for Mold, right,
Speaker 9: and they sued them.
Speaker 5: For bad faith and it was settled.
Speaker 9: Yeah, they ended up getting it was settled. That's right,
Speaker 9: it was settled. They paid them seven point two million dollars.
Speaker 2: Or was that treble damages or was that just a no?
Speaker 5: Because it says they settled they settled the suit. Well,
Speaker 5: first of all, trible.
Speaker 2: Damages, trouble damages is stack depending on the state.
Speaker 9: Yeah, but if you go all the way through in
Speaker 9: a jury or judge actually says that's what happened. In
Speaker 9: other words, if they fight you the whole way, I'm
Speaker 9: pretty sure London told me, just like Matt said, a
Speaker 9: lot of times you hire an attorney and they end
Speaker 9: up paying the claim and paying the attorney's fees, so
Speaker 9: they don't have to pay the treble damage.
Speaker 2: But what I'm saying is unless it's part of the
Speaker 2: statute treble damages, then they don't get trouble damages even
Speaker 2: if they do lose.
Speaker 5: Oh yeah, you're right.
Speaker 9: Just like in Colorado, if you write a bad check,
Speaker 9: you can get trouble damages, right, and it's a statute.
Speaker 2: These statutes are written for treble damages.
Speaker 9: Against me is American American Equity Insurance Company. Actually I
Speaker 9: thought I was going to say family, but I never
Speaker 9: heard of that.
Speaker 5: One.
Speaker 2: The reason they write treble damages is to make it
Speaker 2: sting on all kinds of things. There are treble damages
Speaker 2: for wages to punish the bad rush.
Speaker 5: Yeah.
Speaker 2: So anyway, so we have something here for Mark Mark
Speaker 2: Schumansky on people want to know about upgrades like I
Speaker 2: I you they said, Tom, you said I could get
Speaker 2: better siding if my siding is destroyed by hail?
Speaker 5: Does that? How does that work? So roof?
Speaker 8: Yeah, like we rarely.
Speaker 7: In fact, I think there was only two cases year
Speaker 7: that we didn't go up to class four. Even if
Speaker 7: you had a three tab shingle on your house.
Speaker 5: But you don't have to pay extra.
Speaker 8: You didn't pay extra, We still went to a class
Speaker 8: four for you.
Speaker 5: So and then they get the actual breakout well a
Speaker 5: lot of.
Speaker 7: Right, Yeah, we just do class four. It's just standard
Speaker 7: policy at our at our business. There's several other things
Speaker 7: we're doing in the roofs too, just to make it
Speaker 7: a better quality product that's on your house. Same thing
Speaker 7: with sighting. You know, we had the line that was
Speaker 7: that was a very great price. They have they have
Speaker 7: raised their prices so it's not as great a deal
Speaker 7: as it was, but it's still a phenomenal product for
Speaker 7: the price. So going from vinyl to vinyl, you're probably
Speaker 7: gonna say unless you're gonna stick in some money of
Speaker 7: your own, but it's still not very much and you
Speaker 7: have a much better product going from a vinyl to
Speaker 7: a line siding or to an LP smart side sign.
Speaker 2: Got it?
Speaker 12: Yeah?
Speaker 2: Now, thank you about that. Because people want to upgrade,
Speaker 2: they don't necessarily and even if they do pay a little,
Speaker 2: now's the best The best time is when the insurance
Speaker 2: is paying for most of it.
Speaker 5: If you had like older aluminum siding or something like that,
Speaker 5: could you actually stucco right over it and make the
Speaker 5: house brand luminum bite not aluminum.
Speaker 7: We'd have to pull that off because it's not strong
Speaker 7: enough to hold the stucco. Got it, But we got
Speaker 7: to be to a wood service because.
Speaker 5: You've got to put wire.
Speaker 8: Over right, right, we do the chicken wire on it
Speaker 8: and yep.
Speaker 2: So now listen, I have a text here, Tom, can
Speaker 2: you retrofit a quiet cool system to be a wireless system?
Speaker 2: So the old quiet cools and a lot of whole
Speaker 2: house fans have normal on and off switches, and you
Speaker 2: can turn them on and off, and you can turn
Speaker 2: them to low, medium, and high. I don't know of
Speaker 2: any adapters that do that. However, there are plenty of
Speaker 2: adapters that I have used, the Amazon adapters. I don't
Speaker 2: know what you call them. Where it's basically a WiFi
Speaker 2: so turn on my cool fan or you use your
Speaker 2: phone app. But what it is, it's it's an outlet basically,
Speaker 2: and the outlet plugs into the outlet and then when
Speaker 2: you plug something into that outlet you plugged into the outlet.
Speaker 2: That outlet you plugged in speaks to your Wi Fi
Speaker 2: and you can address it through apps.
Speaker 5: Now here's what I've done.
Speaker 2: I've actually because sometimes I wanted to hardwire them and
Speaker 2: they and what I had did not plug in, such
Speaker 2: as a whole house fan. I didn't do it with that,
Speaker 2: but I did it with some other stuff in a
Speaker 2: room that was hardwired. And what I did was I
Speaker 2: took a part that plug and instead of using the outlet,
Speaker 2: I simply hardwired it and it works exactly the same.
Speaker 5: So I was able to retrofit.
Speaker 2: Now I'm not suggesting people do this if they don't
Speaker 2: know what they're doing.
Speaker 5: I was able.
Speaker 2: To use a junction box, put the Alexa or whatever
Speaker 2: those plugs are called, the Wi Fi call it a
Speaker 2: Wi Fi receptacle. I was able to put a Wi
Speaker 2: Fi receptacle, which is nothing more than an on and
Speaker 2: off switch and you plug things into it. So when
Speaker 2: you plug something into it, it has to be on and
Speaker 2: then you use the outlet to turn it on and off.
Speaker 2: So I did that, but instead of using the outlet portion,
Speaker 2: I simply wired it and it worked flawlessly and I
Speaker 2: still have it.
Speaker 5: And then I got remote control.
Speaker 2: I went so far as I didn't want to have
Speaker 2: to fire up the app on my phone every time,
Speaker 2: so I bought these little these little buttons that are
Speaker 2: that take the like the uh hearing A batteries these
Speaker 2: little buttons, and I just use a wireless button sometimes
Speaker 2: to turn that thing on and off.
Speaker 5: But you can use a phone app as well.
Speaker 2: But so there are ways to fit but you can't
Speaker 2: do it yourself.
Speaker 5: But there are ways.
Speaker 2: But however, with the whole house system that I can't
Speaker 2: see how you would adjust the speed or the time interval.
Speaker 2: The remote control they have, the wireless one controls the
Speaker 2: time intervals, so you can turn it on for two hours,
Speaker 2: four hours, eight hours, ten hours, twelve hours, and you
Speaker 2: can turn it too low or high. I don't know
Speaker 2: how you would get that many settings in a Wi
Speaker 2: Fi switch.
Speaker 5: I don't think you can so.
Speaker 2: And for some reason, the whole house Fan Quiet Cool
Speaker 2: is way behind the times, way behind the times when
Speaker 2: it comes to that kind of interface.
Speaker 5: They really are.
Speaker 2: I love the product, but they're way behind on that
Speaker 2: kind of tape.
Speaker 5: You could install a clapper. I can remember that. We
Speaker 5: got more coming right up.
Speaker 2: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation. In
Speaker 2: comparison call Compass Insurance, paying too much your coverage at
Speaker 2: dozens of insurance companies. Find out now three oh three
Speaker 2: seven seven to one help. You'll think you're his only
Speaker 2: customer when you choose Frank durand the real estate Man
Speaker 2: dot com to list your home with Remax Alliance three
Speaker 2: oh three nine two zero sixteen twenty two. Hey Tom
Speaker 2: Martino here, Welcome to the show. Three O three seven
Speaker 2: one three talk seven one three eight two five five. Okay,
Speaker 2: So let's continue here, and we have people calling in
Speaker 2: and Deputy Bow has an update. We have a lot
Speaker 2: of stuff we're talking about here. Uh, Jim, go ahead,
Speaker 2: what's happening?
Speaker 14: Yes, I have an issue that he is related to
Speaker 14: the delay and deny conversation you're just having, but with
Speaker 14: a wrinkle with a what a mattress delivered with a delay.
Speaker 2: And okay, go ahead, go ahead and talk it all right,
Speaker 2: let's talk about it.
Speaker 14: We ordered a mattress from Macy's. They couldn't deliver it,
Speaker 14: but recommended a delivery service called lug Telugg, which you
Speaker 14: contact over an app. We specifically asked for a van
Speaker 14: because we have a very windy driveway. They showed up
Speaker 14: with a very large truck that had a very hard
Speaker 14: time turning around and damage to driveway. I called them
Speaker 14: put the claim in to ask for a.
Speaker 2: Take and let me explain something quickly. Bad faith. Although
Speaker 2: we can still probably help you with this, bad faith
Speaker 2: only includes claims where you have a contract with the
Speaker 2: insurance company. And by bad faith what they mean is
Speaker 2: bad faith in on bring your their commitment to you.
Speaker 2: When you're dealing with a third party insurance or a
Speaker 2: third party, there is no bad faith, so keep going, understand.
Speaker 14: So I sent them the picture. I sent them the estimate,
Speaker 14: which was for twelve hundred dollars. They responded by saying
Speaker 14: they'll offer me four hundred dollars, which I refused. They
Speaker 14: event said, well go ahead and have the fellow address
Speaker 14: the issue and we will pay for it. The people
Speaker 14: in charge of the driveway who installed the driveway as
Speaker 14: Martin Marietta, and they didn't want to deal with at
Speaker 14: a third party. They want to deal just with me.
Speaker 14: When I responded to the LUG people, they said, well,
Speaker 14: you go ahead and pay for it and we'll reimburse you.
Speaker 14: I don't feel I should advance the money for the repairs,
Speaker 14: and I don't trust them.
Speaker 5: I think you should.
Speaker 9: Why is that, Well, they said they're going to pay it,
Speaker 9: and then right now he really doesn't have much to
Speaker 9: sue him on if he puts the money, if he
Speaker 9: ponies up gets it fixed. And I assume you have
Speaker 9: an email or something saying what you just said, and
Speaker 9: then they don't pay you. It seems like a pretty
Speaker 9: slam dunk in small claims.
Speaker 2: Now, Okay, and you understand, Jim, you understand, And this
Speaker 2: is a crazy concept.
Speaker 5: A lot of people don't understand.
Speaker 2: Just because it happened, and just because they did it
Speaker 2: doesn't make it negligent.
Speaker 9: Well, let's hear what happened. What exactly happened when they
Speaker 9: delivered the mattress.
Speaker 14: Well, we specifically talk to them about the driveway, and
Speaker 14: we said.
Speaker 2: Okay, that doesn't you keep mentioning that. You keep mentioning that, Okay,
Speaker 2: when you say I specifically wanted a van and not
Speaker 2: a truck, Okay, I know you mentioned that this is
Speaker 2: the third time.
Speaker 5: And the reason you mentioned it is because you're trying to.
Speaker 2: Set up a list of conditions that they violated, therefore breached.
Speaker 2: But unless you specifically said do not come here without
Speaker 2: a van or use only a van, and you can
Speaker 2: prove that. So do you have that in an email?
Speaker 5: Yes?
Speaker 14: I have an email saying do not send the truck, send.
Speaker 2: The wonderful, wonderful Okay. So they were put on notice
Speaker 2: that you didn't want a truck there.
Speaker 14: Correct, And I was standing outside when the truck came up,
Speaker 14: and I was yelling at them to stop, and the
Speaker 14: fellow had turn around and despite my yelling, just kept
Speaker 14: driving right.
Speaker 2: And what did the truck? What?
Speaker 5: I get you?
Speaker 2: So two things? You put it in an email. The
Speaker 2: second thing, you were yelling at him. Now what damage
Speaker 2: was there? Did it sink into the asphalt or what?
Speaker 2: What did it?
Speaker 5: Or did it go ahead?
Speaker 2: Correct?
Speaker 14: The front rear tires just went over the edges and
Speaker 14: just undermine that whole edge.
Speaker 2: I think you're I think you've got a good case here,
Speaker 2: and that's why they're offering to pay for it.
Speaker 5: And how much is it going to be?
Speaker 9: I think he said it twelve hundred. Oh, I would
Speaker 9: definitely pay it. Get it fixed, man, Well you're this
Speaker 9: is like I think that I. I think they're going
Speaker 9: to pay the twelve hundred without blinking. And well, they
Speaker 9: put it in writing to you. They're going to pay
Speaker 9: for it, right? Yes, Okay, well then why don't you
Speaker 9: do it?
Speaker 14: Let me ask you this if if my uh, if
Speaker 14: I end up being right and there's more stalling and
Speaker 14: delaying and I have to sue them, how does that work?
Speaker 14: If they're headquartered in San Francisco, uh and do business.
Speaker 14: What's the name of the company chronic in plug l ugg.
Speaker 5: You have to see if they have a presence here.
Speaker 14: I tried, I couldn't find anything. But they certainly, you know,
Speaker 14: contract out for people to what's the full name? What's
Speaker 14: the full name that I think plug cauling or lug
Speaker 14: delivery services.
Speaker 2: Lug delivery or something marks looking it up right now,
Speaker 2: because what it'll do, it'll tell you if they have
Speaker 2: an entity here.
Speaker 5: Let's just look at it.
Speaker 14: They can do a business in Colorado without having an
Speaker 14: entity here.
Speaker 2: Absolutely, you know it depends now, it depends hold on
Speaker 2: not if for example, it's an insurance company or not.
Speaker 5: If it's a medical clinic or a lawyer.
Speaker 2: Uh, they have to have they have to have certain
Speaker 2: but but something like a delivery company, they don't have
Speaker 2: to have an office here.
Speaker 14: You know, they reference their insurance com But I've never
Speaker 14: dealt with the insurance coming.
Speaker 5: I don't see any LUG.
Speaker 2: When I search the business database to you, Mark, I
Speaker 2: don't see anything.
Speaker 5: No, I'm trying it a little different way. But just
Speaker 5: give me a second.
Speaker 14: I think you can google them and they'll show right up.
Speaker 5: Yeah, okay, lug. Okay.
Speaker 2: So anyway, here's the bottom line. Why are you going
Speaker 2: through all of this? I mean, what difference does it make.
Speaker 2: Let's put it this way. You want it fixed, right,
Speaker 2: So they're not going to fix it unless you Unless
Speaker 2: you fix it and they're going to pay you.
Speaker 14: Yeah, Well I'm not as certain as you are that
Speaker 14: they will pay me.
Speaker 2: Yeah, But here's what I'm asking you. Here's what I'm
Speaker 2: asking you. If they're not going to pay you, then
Speaker 2: when you do it, they're not going to pay you now.
Speaker 2: So what difference does it make. You can't compel them
Speaker 2: to pay you. You'd have to sue them now. So
Speaker 2: so you either sue them now or you sue them later.
Speaker 14: Right, So I'm asking you, Yes, sorry, I'm trying to
Speaker 14: use that leverage to get paid, to get more assurance
Speaker 14: that I would get paid.
Speaker 5: Okay, then sue them now, then sue them now. But here,
Speaker 5: here's the thing. They're going to go to court and say,
Speaker 5: your honor, we said we would pay it.
Speaker 2: Well, what you do is, first of all, you have
Speaker 2: to see if they have an agent here with We're
Speaker 2: going to go right back to where we were. We're
Speaker 2: in a circle now, we're going to see if they
Speaker 2: have an agent here if not, if they do not
Speaker 2: have a local agent. Do you have the name of
Speaker 2: the driver that drove? Did they have a truck that
Speaker 2: was labeled lug? What did they have?
Speaker 12: No?
Speaker 2: No, no, no one the truck had label did they
Speaker 2: But did you get the name of the driver.
Speaker 18: I may have there.
Speaker 14: You know, they send a review and they ask you
Speaker 14: to reach you the driver.
Speaker 5: I would sue the driver. I would sue the driver.
Speaker 2: I mean, look at if you're not going to have
Speaker 2: a business, if there's not a business presence, you're going
Speaker 2: to have.
Speaker 5: To sue the driver, Okay, or fly to wherever they
Speaker 5: are and sue them.
Speaker 1: Correct.
Speaker 5: I know that makes no sense, No, of course it doesn't.
Speaker 2: That The point I'm making is it really makes no
Speaker 2: sense to sue them before you even know if they're
Speaker 2: going to perform.
Speaker 5: You can always sue them afterwards.
Speaker 2: Do you understand what you're saying why do it now?
Speaker 2: If you're willing to do it, then take the chance.
Speaker 2: But maybe I should put it this way. Why would
Speaker 2: you wait to get it fixed? Just say straight up?
Speaker 2: Is it because you do not have the money? I
Speaker 2: know I have the money.
Speaker 5: If you have the money and you want your driveway.
Speaker 2: Fixed, Let's say lug goes away tomorrow. Let's say they're
Speaker 2: bankrupt and they go away, will you leave your driveway unfixed? No? Okay,
Speaker 2: then fix it? Go with a sure thing Denver's best
Speaker 2: roofer Excel Roofing dot com. You don't pass until you're content.
Speaker 2: Time for an insurance checkup free no obligation comparison call
Speaker 2: Compass Insurance paying too much your coverage at dozens of
Speaker 2: insurance companies find out now three all three seven seven
Speaker 2: to one help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the real estate Man dot com
Speaker 2: to list your home with Remax Alliance three all three
Speaker 2: nine two zero sixteen twenty two.
Speaker 5: Hey Tom Martino, here, welcome. Let's go to the phones.
Speaker 2: If we let me just look here, So let's go
Speaker 2: to Skillet and Deputy Bow. I know you have some
Speaker 2: updates I'm going to get to your skillet. Go ahead,
Speaker 2: what's going on?
Speaker 19: Hey, this just happened about nineteen hours ago.
Speaker 2: Who I booked my all night and day.
Speaker 19: I booked a round trip ticket from Dallas to Washington
Speaker 19: Baltimore International Airport because they got an Amtrak station right
Speaker 19: there on the property.
Speaker 14: It's on the airport.
Speaker 10: So once I get to Washington, I always jump a
Speaker 10: train to go to Atlantic City, and I've done it.
Speaker 20: Before no problems.
Speaker 10: But I had to change planes in Charlotte and that
Speaker 10: plane was broke down for about two and a half hours.
Speaker 19: I got to h DC area late, missed.
Speaker 10: My train, and I was going to have to take
Speaker 10: this the train into Philly and spend the night in
Speaker 10: Philly and then go into Atlantic City the next day.
Speaker 18: And I didn't want to do that.
Speaker 2: I just said, I'm going home to Dallas, all right,
Speaker 2: hold on and we'll get right.
Speaker 5: Did he hang up or did we put him on hold?
Speaker 2: Put him on how then we'll come.
Speaker 5: We'll come right back to him.
Speaker 2: I'm Tom Martino more coming up on the Troubleshooter Show.
Speaker 2: Go with a sure Thing Denver's Best roofer Excel roofing
Speaker 2: dot com. You don't pass second until you're content. Please
Speaker 2: time for an insurance check up free, no obligation comparison
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three oh three seven
Speaker 2: seven one help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the real estate man dot com
Speaker 2: to list your home with Remax Alliance three oh three
Speaker 2: nine two zero sixteen twenty two.
Speaker 3: Rip of.
Speaker 4: You ned so you don't have.
Speaker 3: Come run insious as fast as you can.
Speaker 4: Shooter's gonna help come man.
Speaker 1: This is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 2: Tom Martino here, Welcome to the show. Three oh three
Speaker 2: seven one three talk seven one three eight two five five.
Speaker 2: As I say every day, here to help you solve problems,
Speaker 2: answer questions, take complaints, and make your life a little easier.
Speaker 5: So let's go to the phones and try to do that.
Speaker 2: Now, Skillet has an airline problem and the problem, and
Speaker 2: I just want to say this up front. We first
Speaker 2: look to solve problems if we can, and try to
Speaker 2: help people.
Speaker 5: Any way we can. A lot of times though the
Speaker 5: systems are not set up.
Speaker 2: For helping because common law, which is law that has
Speaker 2: been determined by decisions in court sometimes don't support what
Speaker 2: you're looking for, and sometimes there's no statutory law, for example,
Speaker 2: in travel.
Speaker 5: And I don't even know what skill it's got. I'm
Speaker 5: gonna let him finish.
Speaker 2: But in travel, he started telling a story about how
Speaker 2: because of the screw up of the airline he missed
Speaker 2: some connection and possibly have some damages. You had to
Speaker 2: stay overnight somewhere to recover expenses from an airline on
Speaker 2: that kind of thing is usually done as a courtesy,
Speaker 2: and the airline will give a voucher or something. As
Speaker 2: far as their legal responsibility, there are all kinds of
Speaker 2: disclaimers when it comes to travel and airlines and missedflights
Speaker 2: and canceled flights, and very seldom, if ever, are they
Speaker 2: held responsible for what is called consequential damages. Now, that
Speaker 2: doesn't mean if an airline is agregeous in what they
Speaker 2: do and absolutely intolerable, that the courts wouldn't change that
Speaker 2: for that particular case.
Speaker 5: So skill it continue your story.
Speaker 2: The flight was delayed, you chose not to but to
Speaker 2: find a place in Philadelphia for the night.
Speaker 5: Is that right?
Speaker 21: No?
Speaker 19: I stayed right there at Baltimore at the airport. Okay,
Speaker 19: they opened up the counter at three in the morning,
Speaker 19: and the next plane that blast off to Dallas was
Speaker 19: at six in the morning.
Speaker 2: And so, oh you wanted to go home, that's right, okay, yes,
Speaker 2: so your flight was delayed and you missed your train.
Speaker 19: Correct, yes, sir. And their argument is, well, we're an
Speaker 19: airline and you're you gotta be with Amtrak. And I
Speaker 19: said that Amtrak station is on airport property, so there's
Speaker 19: no difference between it being a plane or a train.
Speaker 5: Well, there is a difference. They don't control the trains.
Speaker 18: Well, it's like a train.
Speaker 19: It's like a plane because you kill it.
Speaker 5: Okay, maybe I'm not understanding you. So why don't you
Speaker 5: tell me?
Speaker 2: Do you feel the airline because the flight was delayed,
Speaker 2: is responsible for your expenses because you miss your.
Speaker 19: Train on the expense I had was they wouldn't honor
Speaker 19: my ticket back home.
Speaker 2: They made me pay for it on my pre not
Speaker 2: a pre Wait a minute, you had a round trip already,
Speaker 2: didn't you.
Speaker 5: Yes, sure, then why wouldn't they let you American?
Speaker 3: Then?
Speaker 5: Or you weren't looking for expenses, you were simply.
Speaker 3: Looking I stayed up all night.
Speaker 2: You were simply looking hold on, skillet, skilly, you were
Speaker 2: simply looking to take that round trip ticket and to
Speaker 2: go back sooner.
Speaker 5: Yes, sir, that's all you wanted.
Speaker 20: Yeah, but then they wouldn't do that.
Speaker 19: They shook why three and sixty bucks?
Speaker 2: But why wouldn't that?
Speaker 3: Now?
Speaker 2: Now, I don't blame you for being upset, but what
Speaker 2: was their reasoning for keeping for not letting you use
Speaker 2: the other part of your round trip ticket?
Speaker 19: Because they called it an economy fair.
Speaker 1: It's the same thing all of them.
Speaker 2: Do you mean no changes?
Speaker 5: Okay, well he didn't say that, so you had a
Speaker 5: no change ticket.
Speaker 2: I guess.
Speaker 19: But all I asked for was a free ride home
Speaker 19: and they shook me down for three sixty.
Speaker 2: I understand what you're saying, But do you understand what
Speaker 2: Mark is saying Skillett that when you buy the conditions
Speaker 2: you bought under to get the lowest fares, the condition
Speaker 2: is you.
Speaker 5: Make no changes.
Speaker 2: Now, your argument is the only reason you made a
Speaker 2: change is because they screwed up and you were delayed
Speaker 2: and you wanted to go home. They're going to say, well,
Speaker 2: the fact that you want to turn around and come
Speaker 2: home isn't our problem. You could have gone on to
Speaker 2: your destination and we would have honored the return trip.
Speaker 5: Is that what they're saying?
Speaker 19: Yeah, if I wanted to spend the night in Philadelphia
Speaker 19: at the train station because it didn't no.
Speaker 2: I get it, then they would then instead of it
Speaker 2: you going and gambling at Atlantic City. They're saying, if
Speaker 2: you spent the same time you would have at Atlantic City,
Speaker 2: you could have flown home on that ticket.
Speaker 5: But to change that ticket, it's going to cost you.
Speaker 18: Eh, three hundred and sixty bucks.
Speaker 2: Well, that's for the new one way. That's skillet, that's
Speaker 2: for the new one way ticket home the three sixty.
Speaker 2: Do you still have an active leg of that round
Speaker 2: trip that you can use in the future or not?
Speaker 10: No?
Speaker 19: I think once I purchased that that other leg that
Speaker 19: pretty much a discount. It wasn't too bad three sixty
Speaker 19: to go home. I think that invalidated that, to tell
Speaker 19: you the truth.
Speaker 2: But I'm not did they get we well, okay, did
Speaker 2: they kind of give you credit for that then.
Speaker 5: Toward that ticket? Is that why it was old?
Speaker 19: No, I guarantee you they'd never used the word credit
Speaker 19: at all.
Speaker 21: I mean that was did they use Okay, did they
Speaker 21: use the term discount, no, because all I asked for
Speaker 21: was I said, well, I already paid for a round
Speaker 21: trip rocket and they said, well, since it was an
Speaker 21: economy ticket.
Speaker 19: You change that in val Basically, you can't tell you're
Speaker 19: the best time.
Speaker 2: I mean, well, hold on, skillet, I mean, what airline
Speaker 2: is line?
Speaker 18: What airline is in America?
Speaker 5: And mark?
Speaker 2: What would you do in a cay if this happened
Speaker 2: to you, you travel a lot b.
Speaker 5: Ireland, what would you do? Well, I can't put myself
Speaker 5: in this scenario. I mean there's nothing to tell me.
Speaker 3: Why.
Speaker 5: Well, there's nothing I could do if I bought that ticket,
Speaker 5: the economy ticket with no changes.
Speaker 9: I mean usually when you book these things, I don't
Speaker 9: care where you book them, they make it very clear.
Speaker 9: There's no refund, there's no anything like Frontier for example,
Speaker 9: as you're booking something, it tries to sell you, you know,
Speaker 9: for like ten dollars, the ability you can switch a
Speaker 9: flight up to twenty four hours, But if you don't
Speaker 9: pay for it, they're never going to allow you to
Speaker 9: do that. I mean that's how they make money.
Speaker 19: Yeah, you got to remember I lost one hundred and
Speaker 19: twenty on my Amtrak ticket too, no, I.
Speaker 5: Get it, I get it. Yea.
Speaker 2: What they're saying is it all stems from a delayed
Speaker 2: flight and flights are not guaranteed, and then the delayed
Speaker 2: flight that you had two other losses. You couldn't use
Speaker 2: your other round.
Speaker 5: You know, we've talked about this in traffic accidents. I mean,
Speaker 5: how far? How far could you possibly go out?
Speaker 9: So let's say because you missed that train, you didn't
Speaker 9: show up to Atlantic City, and you weren't on a
Speaker 9: certain blackjack table where they hit some kind of crazy
Speaker 9: prize at night.
Speaker 5: I mean, anything could happen. How how far can you
Speaker 5: stretch it?
Speaker 2: Or you were on your way to a real estate
Speaker 2: closing and the guy decided not to sell to you
Speaker 2: because you didn't show up.
Speaker 5: Yep, you can't sue for those things.
Speaker 2: Those are called consequential or subsequential damages.
Speaker 5: You can't you can't get those, well.
Speaker 3: You can't.
Speaker 9: You can definitely sue for them, but you'll never get
Speaker 9: them because when you bought that plane ticket, you already
Speaker 9: agreed that any and all things can happen in too
Speaker 9: bad so.
Speaker 5: Sad, that's right.
Speaker 2: That goes for FedEx deliveries, That goes for a lot
Speaker 2: unless unless here's the exception, Unless the person providing the
Speaker 2: service knows the risk they're taking and they charge accordingly.
Speaker 2: For example, let's say you had an envelope that positively
Speaker 2: had to get there or you would lose a million
Speaker 2: dollar deal. Then you get a bonded carrier. That's a
Speaker 2: whole different ballgame, and then they know the.
Speaker 5: Risks they're taking and you pay for that risk.
Speaker 2: So instead of paying thirty bucks, you're going to pay
Speaker 2: three hundred. So there's you know, people are always quick
Speaker 2: to want to cash in on the subsequent damage, but
Speaker 2: not necessarily pay for the risk upfront. So really that's
Speaker 2: the story of life is that we take a lot
Speaker 2: of risks when we take bargains, but we can't go
Speaker 2: back and say, well, I wasn't expecting the risk to
Speaker 2: come true.
Speaker 5: I don't want the bar and I want my money
Speaker 5: my loss.
Speaker 2: So it's very difficult, skillet, But I thank you for calling,
Speaker 2: and I just wish I had better news for you.
Speaker 2: I don't think we could do anything about it right
Speaker 2: after this, Deputy Bow has some updates you can get
Speaker 2: your calls in as well. Plus we have Mark Schamansky
Speaker 2: Genesis Total Exteriors in Matt Stanford from Paragon Services.
Speaker 9: He's a public adjuster. Go ahead, Mark, you know real quick.
Speaker 9: I just hopped on American. So if you wanted to
Speaker 9: fly from Denver to New York, I forget what date
Speaker 9: I chose, But for the non refundable cheap seat round
Speaker 9: trip is three hundred and sixteen. For something that's fully refundable,
Speaker 9: you're at eleven hundred bucks.
Speaker 3: Man.
Speaker 9: I mean, there's your difference. So where is your tolerance?
Speaker 9: Where is your tolerance for that? Because even if he
Speaker 9: did buy that premium that he could refund, he spent
Speaker 9: eight hundred bucks more on it, which doesn't even come
Speaker 9: to what he's saying his losses were.
Speaker 2: You know what I'm saying, Yeah, exactly yep. Three O
Speaker 2: three seven one three eight two five five. Go with
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Speaker 2: You don't pay a cent until you're content. Time for
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Speaker 2: You'll think you're his only customer when you choose Frank
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Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Tom Martino here three O three seven
Speaker 2: one three talk seven one three eight two five five.
Speaker 2: Let's talk to U, Deputy bo. Deputy Bow was happy,
Speaker 2: Tom hey.
Speaker 22: Man, Yes, calling about this Kayla that called Thursday, last
Speaker 22: Thursday to twelve o'clock own. She contracted with a roofer.
Speaker 22: She gave the roof for six thousand dollars up front.
Speaker 5: That was her name again, Kayla, okay, and what happened?
Speaker 23: She gave the guy's not coming back.
Speaker 5: He he's not doing the What was the name of
Speaker 5: the roofer?
Speaker 3: You know?
Speaker 23: His last name is Sandoval?
Speaker 22: And I want to go on with this story a
Speaker 22: little bit, and I really want to give out his
Speaker 22: name again because I called him a couple of times.
Speaker 23: He didn't call me back.
Speaker 2: So I went three, I'm sorry, never mind three roofing, roofing.
Speaker 23: And so I went over and paid a visit to
Speaker 23: his residence on set.
Speaker 3: Wow.
Speaker 5: Wow.
Speaker 22: So I posted a note and actually came out and
Speaker 22: talked to me, and he gave me a story how
Speaker 22: he couldn't get the right shingles and Kayla to get
Speaker 22: the money back. Yeah, he said he's been working ru
Speaker 22: her and there was something about how the referral of
Speaker 22: the job went, so he didn't want to.
Speaker 23: He didn't want me to.
Speaker 2: So what about the Contractor's Trust Act and the sixth
Speaker 2: grand he took?
Speaker 22: Tom, I mentioned that he's very nervous and scared about it,
Speaker 22: and I think the goal here is to get the
Speaker 22: lady your six thousand dollars back.
Speaker 23: So he promised me that if I could give him
Speaker 23: a week and a half to two weeks, that he
Speaker 23: would pay Caleb back.
Speaker 22: And for some reason, Tom, when he came out to
Speaker 22: talk to me, I kind of had a little bit
Speaker 22: of faith in him and some.
Speaker 2: Other things going on.
Speaker 22: So I'm going to call to October first, and I
Speaker 22: told him to take a picture of the money order
Speaker 22: of the check and if he doesn't do it, then
Speaker 22: we need to put him on a sleeze brigade.
Speaker 23: But I do have faith.
Speaker 2: Okay, that's good. That's good.
Speaker 5: In other words, he didn't seem like a bad guy
Speaker 5: at first.
Speaker 23: I thought he was terrible. When he called in last Thursday,
Speaker 23: I thought he should be on it. But yeah, he
Speaker 23: had some issues. He was in a hospital, you know,
Speaker 23: just a lot of issues.
Speaker 22: And then I talked to the kaylea about it, and
Speaker 22: she's in agreement that we're going to wait.
Speaker 2: And for some reason, I just think in my heart,
Speaker 2: he's going to Okay, thank you so much, and we'll
Speaker 2: see what happens.
Speaker 5: Anything else going on, bone, Uh.
Speaker 22: Well, we're talking about the buddha case. A few weeks ago.
Speaker 22: I thought that was interesting. I was hoping that Monique
Speaker 22: would put the Buddha back out on the porch so
Speaker 22: I could challenge the hoa.
Speaker 2: Now the hoa said they didn't remove it, or they
Speaker 2: did by mistake.
Speaker 22: Or what they sent her or notice to get it
Speaker 22: for her to pull it back in, and they did.
Speaker 22: They she ignored the notice, and the hoa did take
Speaker 22: her Buddha.
Speaker 2: What was the purpose of taking If they allow other
Speaker 2: statues outside doors, why would they take her statue.
Speaker 23: I don't know him personally.
Speaker 11: If they recall about that one time, it was too big,
Speaker 11: it was too large to be out front.
Speaker 5: It had nothing to do with being Buddha.
Speaker 1: Correct.
Speaker 23: It was about the size of a bat, smaller than
Speaker 23: the basketball.
Speaker 9: And well, I'm sorry it was the hoa, Yes, it
Speaker 9: was Ambersmith hr or whatever the management.
Speaker 5: But I guess isn't that stuff really just what it is?
Speaker 5: I mean, if no one's allowed to do it.
Speaker 2: Like certain planters were out front and those were.
Speaker 5: Yeah, but.
Speaker 21: Front.
Speaker 5: Oh that's weird.
Speaker 23: Think she has a religious free religious.
Speaker 2: If they allow Let's put it this way, if they
Speaker 2: allow things outside, they can't discriminate as to what they
Speaker 2: allow outside. I mean, if they allow certain things like
Speaker 2: statues and decorations, but they go up to her because
Speaker 2: she has a buddhen says you can't have it unless
Speaker 2: they specifically don't want.
Speaker 5: Wait.
Speaker 9: Wait, you're saying if I lived there and I had
Speaker 9: a garden gnome, what would happen?
Speaker 1: Is that cool?
Speaker 5: Can? I don't know? That's the part I'm trying to
Speaker 5: figure out. Yeah, you're probably fine.
Speaker 9: Yes, So if it is under the size, I'm fine. Correct,
Speaker 9: And if hers was under the size, she'd be fine.
Speaker 2: But well, we don't know.
Speaker 5: We don't know that, I mean, find out the conditions
Speaker 5: from her story when she originally told it.
Speaker 2: It's a rather large Buddhist statue.
Speaker 5: Okay, so that might be it.
Speaker 22: Well, one of the maintenance men heard heard this on
Speaker 22: the show, and he rescued the Buddha out of the
Speaker 22: mechanical room and gave it back to her.
Speaker 2: Did he say, did he say?
Speaker 5: What do you thought was going on?
Speaker 23: He didn't think it was right, but he gave her
Speaker 23: the Buddha bag. That really, you've going through the proper
Speaker 23: age or race sometime.
Speaker 9: Are they allowed just to take it? That's a little lot.
Speaker 9: I can see finding her or something, But to go
Speaker 9: take her Buddha. Isn't that a little yeah?
Speaker 2: But they weren't going to I don't think they confiscated
Speaker 2: it for good.
Speaker 5: They just wanted to get it off the deck.
Speaker 2: But how about this, it's out in front of your house.
Speaker 11: Can it be considered trash because it's not on any
Speaker 11: streading is it?
Speaker 5: Is it trash that would be stretching it?
Speaker 22: Well, this call it's a moot point because now she
Speaker 22: has it hidden in the closet.
Speaker 9: You won't put my When I was when I was
Speaker 9: a kid growing up, my parents had this big Buddha
Speaker 9: ceramics set, and it was a drink set for mixed drinks,
Speaker 9: and in the middle of the Buddha stomach where the
Speaker 9: belly button would be, would be the little stir to
Speaker 9: stir stuff.
Speaker 5: So I'm a fan of Buddha.
Speaker 2: Oh well, what a dichotomy using Buddha as a store
Speaker 2: of alcohol. Thank you.
Speaker 5: Wow weird anyway, so hold on speaking of religious figures.
Speaker 2: I just I'm not I'm not criticizing anyone. I'm just
Speaker 2: saying speaking of that the pope. Yeah, he said that
Speaker 2: this election is coming down to voting for the least
Speaker 2: of two evils.
Speaker 5: Oh nice of him.
Speaker 2: He actually said that, Oh here's a Buddha. He actually
Speaker 2: said that it comes down to the least of two evils.
Speaker 2: He doesn't like uh Trump because of the immigration thing,
Speaker 2: and he doesn't like Kamala because of the abortion thing.
Speaker 2: I mean he basically he has, in a rare, rare moment,
Speaker 2: made a political statement.
Speaker 5: If you look it up, he think he's made plenty.
Speaker 5: Oh has he?
Speaker 2: Well he has about hold on, he has about climate change.
Speaker 2: But I'm not sure that's political. He was looking at
Speaker 2: that as being I don't know, maybe responsible or something like,
Speaker 2: not political, who knows. But this one was political because
Speaker 2: he was directly talking about his or not his, but
Speaker 2: our election. Three oh three seven to one to three
Speaker 2: talks seven one three, eight.
Speaker 5: Two five five.
Speaker 2: Okay, So we have again open lines. Yesterday we couldn't Uh,
Speaker 2: we couldn't do enough to get I mean, we had
Speaker 2: so many calls we couldn't get him in. So if
Speaker 2: you have a problem, question or complaint, please give us
Speaker 2: a call and let us know. And I have an
Speaker 2: update on Quiet Cool when we talked about the Wi
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Speaker 2: Frank durand the real estate man dot com to list
Speaker 2: your home with Remax Alliance three oh three nine two
Speaker 2: zero sixteen twenty two. Hi Tom Martino, your trouble shooter
Speaker 2: tre all three seven one three talks seven one three
Speaker 2: A two five five. John has a bad car deal.
Speaker 2: He wants to talk about John. What's happening? What's going on?
Speaker 21: Man?
Speaker 24: Hi Tom? This is what was actually my girlfriend, girlfriend's
Speaker 24: daughter on Saturday.
Speaker 5: Girlfriend's daughter, okay, got it.
Speaker 24: Went to Acno Auto Sales at fifteen sixty five see
Speaker 24: fifteen eighty five Watsworth Boulevard and Lakewood.
Speaker 5: What's her first name?
Speaker 24: Emily?
Speaker 5: Emily, Emily. She went to this to this place and.
Speaker 24: They drove all the way down from Fort Collin, from
Speaker 24: Fort Collins because she saw some ads on the internet
Speaker 24: for some of the used cars.
Speaker 2: And the name of that is again, what is it,
Speaker 2: Econo Dealership, Econauato Sales.
Speaker 5: All right, So what happened? What went wrong?
Speaker 24: Well, yeah, they drove all the way down from Fort
Speaker 24: Collins and she looked at a car and her mother
Speaker 24: and I We didn't even know she had bought a
Speaker 24: car until she called us, and she had signed all
Speaker 24: the paperwork, and it was too late. But she bought
Speaker 24: a twenty twelve Nissan Ultima, which she gave me the
Speaker 24: vend number, but she'd already signed all the paperwork.
Speaker 2: And it showed a Nissan a twenty twelve, how many miles?
Speaker 24: And it showed what one hundred and thirty three thousand Nissan?
Speaker 5: Was it salvage?
Speaker 1: What did it show?
Speaker 10: No?
Speaker 24: One hundred and thirty two k on that No, one
Speaker 24: hundred and thirty three thousand on that car?
Speaker 5: Yeah that's okay, hundred and thirty three k okay, got it?
Speaker 2: Yeah?
Speaker 24: Yeah, So I did a quick Kelly Bluebook on.
Speaker 5: It, and well, what does she pay? You didn't tell
Speaker 5: us what did she pay?
Speaker 24: She paid, say the total amount here, not total.
Speaker 5: Amountfinance, the price.
Speaker 2: That she paid price.
Speaker 5: It was twelve thousand, twelve thousand, so that was all.
Speaker 5: Did she put any money down?
Speaker 24: She put fifteen hundred dollars down, Okay, so keep going. Yeah,
Speaker 24: And so anyways, and then of course I did the
Speaker 24: the car fax and they so how much.
Speaker 5: Does that car work? I don't even know? With one
Speaker 5: hundred What is the knees on go ahead?
Speaker 24: It was in mind condition with those miles it would
Speaker 24: be about fifty nine hundred dollars retail.
Speaker 5: Okay, so she overpaid by twice.
Speaker 24: Yeah, yeah, we paid.
Speaker 5: Sorry.
Speaker 24: The problem is the car is far from being in
Speaker 24: mint conditions.
Speaker 5: Yeah there is so so okay, But the point is,
Speaker 5: the point is we went through this. We go through
Speaker 5: this all the time she bought it.
Speaker 2: Now, it doesn't mean because someone is ignorant they should
Speaker 2: be taken advantage of. But at the same time, it's
Speaker 2: not necessarily what you call unconscionable unless there was lying
Speaker 2: and thieving.
Speaker 5: And cheating going on here.
Speaker 2: So tell me what other than she bought a car
Speaker 2: and paid too much and the car is as is.
Speaker 5: Did she have the car checked out?
Speaker 2: No she did not, Okay, So can we acknowledge And
Speaker 2: I'm not trying to rub your face in this or hers,
Speaker 2: and I'm not trying to say we don't want to help,
Speaker 2: but we have to acknowledge.
Speaker 5: She made a very bad mistake. Yes she did, and
Speaker 5: you think they took advantage of it. So here's the thing.
Speaker 5: Did they lie or cheat somehow?
Speaker 2: And the reason I asked that is because sometimes they do,
Speaker 2: and that's an out.
Speaker 24: Well, the ad on the internet, which I having a
Speaker 24: text message my girlfriend, Yeah, this car like being like
Speaker 24: an incredibly wonderful condition.
Speaker 5: Does it say wonderful condition?
Speaker 24: I just kind of quickly glanced at.
Speaker 2: Does it say perfect? Does it say great? Here that's
Speaker 2: what we need? And did she go there because of
Speaker 2: that ad?
Speaker 3: Yes?
Speaker 2: Then you have a copy the ad.
Speaker 5: I want you to look at it right now and
Speaker 5: read me some of the descriptors.
Speaker 24: Okay, hang on, let me get there and tell me.
Speaker 25: While he's doing that.
Speaker 1: I think it's fair to say.
Speaker 25: I mean, it's important to say that Emily has some
Speaker 25: mental disability major.
Speaker 2: Wait a minute, Wait a minute, wait a minute. Is
Speaker 2: she a person at risk? Yes, she is, but legally
Speaker 2: a person at risk?
Speaker 5: Tell me about her mental ability?
Speaker 24: She's on SSI or like some mental stuff.
Speaker 5: I don't like what mental stuff?
Speaker 20: Seriously, I don't know.
Speaker 2: That's really important. That's really important, right, I know.
Speaker 24: Yeah, I don't know all the details. But she's got
Speaker 24: some limitations mentally.
Speaker 5: I could someone tell having a conversation with her if
Speaker 5: she was on with us right now, would we pick
Speaker 5: up on it?
Speaker 24: I think you would. Yes, I think he would notice
Speaker 24: that she's very slow.
Speaker 2: Do you understand incompetency though? Now, now, by the way,
Speaker 2: to be at risk, you don't have to be in competent. Okay,
Speaker 2: there there's a fine line, so she could be at risk.
Speaker 2: I mean, really, you did you call the dealer?
Speaker 3: No?
Speaker 24: I didn't, but my girlfriend and Emily went back. And
Speaker 24: what happened to the dealership Saturday afternoon? After she drove
Speaker 24: it a couple of miles and they tried to get
Speaker 24: them to take the car back, and there's money, and
Speaker 24: they would not do it. The guy ended up kicking
Speaker 24: them out of the dealership.
Speaker 20: She has alone, right, yeah, I do, Yeah, she does.
Speaker 24: Here's the AD.
Speaker 5: Tom Okay, hold on, let.
Speaker 2: Me let me put this, let me take notes, AD said,
Speaker 2: go ahead.
Speaker 24: Okay. So is this vehicle is powered by a two
Speaker 24: point five liter one for I don't know's I four
Speaker 24: engine that delivers one seventy five horse power huh. The
Speaker 24: concert tourt providing an enjoyable driving experience on both city
Speaker 24: streets and highways with the fuel economy and blah blah blah.
Speaker 24: The scary of the twenty twelve Ultima was painted in
Speaker 24: a beautiful, brilliant silver color or okay, the eye and
Speaker 24: gives the cars.
Speaker 2: All right, you can't get them on any of that.
Speaker 5: Keep going.
Speaker 2: Yeah, I'm looking for what's called fraud in the inducement.
Speaker 5: Fraud in the inducement. Keep going. No, let's see what else.
Speaker 24: Let's see it says the body design is smooth and
Speaker 24: aerodynamic with a low profile enhances the car's handling and performance.
Speaker 24: The car's front drill design to look aggressive, while the
Speaker 24: headline tailights are sleek and stylish. So inside the car
Speaker 24: you'll find a comfortable and spacious interior seats up to five.
Speaker 2: They're talking in general, So tell me what they said
Speaker 2: about the car. Is in perfect or good condition or
Speaker 2: anything like that, anything that talks.
Speaker 5: About that car.
Speaker 24: I don't see anything word like some some.
Speaker 2: Ads actually say needs nothing, right, a nine out of
Speaker 2: ten showroom condition or whatever, anything like that.
Speaker 24: Yeah, I'm trying to look here. I got another Yeah, yeah,
Speaker 24: I mean.
Speaker 2: That's anyway that the Econo Auto sales, they got real nasty.
Speaker 24: Huh.
Speaker 2: Let's let's call them now, we're not going to try
Speaker 2: to get their side. Yeah, let's call him and listen.
Speaker 2: If she does have some mental disabilities, you may want
Speaker 2: to take this further. I mean truly, I want to
Speaker 2: call our friend, the attorney Raina we just made friends with.
Speaker 5: Yeah, and uh sus, do you have her number?
Speaker 2: Oh?
Speaker 3: Yes, I do.
Speaker 2: Tell let's try to get Raina on hold on John, Okay, okay,
Speaker 2: you all right? I'm Tom Martino three oh three seven
Speaker 2: one three talk seven one three A two five five.
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Speaker 2: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Wait time
Speaker 2: for an insurance check up free no obligation comparison call
Speaker 2: compass insurance paying too much your coverage at dozens of
Speaker 2: insurance companies find out now three all three seven seven
Speaker 2: to one help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the Real Estate Man dot com
Speaker 2: to list your home with Remax Alliance three all three
Speaker 2: nine two zero sixteen twenty two. Hi Tom Martino here.
Speaker 5: Welcome to the show.
Speaker 2: Let's talk three oh three seven one three talks seven
Speaker 2: one three eight two five five.
Speaker 14: So we have.
Speaker 5: Let's see the bad card deal. We're waiting for an attorney.
Speaker 2: Let's go to time.
Speaker 5: Yes, soon as you talked to the dealership.
Speaker 3: I did.
Speaker 25: I left a message for Reina to the attorney to
Speaker 25: give us a call. And then also, uh, they told
Speaker 25: me I needed to talk to the manager of the dealership,
Speaker 25: so I left him a message to give us a
Speaker 25: callback so we might have to follow up.
Speaker 5: Excellent, Thank you very much.
Speaker 2: Fred.
Speaker 5: What's going on with you? Fred?
Speaker 18: Well, I got a letter from ex sale saying that
Speaker 18: they give me a ten percent discount on my pray right,
Speaker 18: I try to sign up for this solar you know
Speaker 18: about it?
Speaker 1: Then?
Speaker 11: Yeah, oh, what what's the downside?
Speaker 18: Where's the hook in that day?
Speaker 5: Okay, let me explain this to you.
Speaker 2: What happens is you're agreeing to basically be part of
Speaker 2: They have giant solar co ops around that they're encouraging
Speaker 2: people to sign up with and part of the power
Speaker 2: that they generate in that co op, even though it
Speaker 2: doesn't directly get piped to your home. You're signing up
Speaker 2: to pay for a certain portion that it generates, okay,
Speaker 2: and you will get that power cheaper than if you
Speaker 2: got it from Excel, and it relieves burden from Excel,
Speaker 2: and Excel prefers that you do that instead of a
Speaker 2: full solar system.
Speaker 5: Now why would Excel prefer you to.
Speaker 2: Do that because they don't have to take you off
Speaker 2: the grid completely and get minimal charges. They'll at least
Speaker 2: get ninety percent of your bill and they don't care.
Speaker 2: If you save ten percent, that's good. And that ten
Speaker 2: percent you're saving is coming from buying power from this
Speaker 2: co op. So this co op, for example, can only
Speaker 2: have a certain number of people sign up. Then they
Speaker 2: go to the next co op and the next co op.
Speaker 2: It's all virtual. You are theoretically buying what they're pumping
Speaker 2: back into the grid for your electrical needs.
Speaker 5: So it usually results in ten percent savings.
Speaker 2: It can actually save you more, but they I think
Speaker 2: they guarantee or they pretty much say ten is the
Speaker 2: lowest you'll save. And there is no hook there's nothing
Speaker 2: to hook up to your house. It's all done on paper.
Speaker 2: You can sign up for it and get out any
Speaker 2: time you want. My opinion, it's.
Speaker 5: A great deal.
Speaker 18: Okay, well it's not going to cost me anything.
Speaker 5: Then no, it's going to save you. You understand that.
Speaker 2: People say, where's the hook, You're right to ask that.
Speaker 2: Here's the hook. Somebody wants to build a solar field
Speaker 2: and get tax credits, right, but they're going to generate
Speaker 2: They're going to generate a bunch of electricity that they
Speaker 2: pump back into the grid. All right, they only get
Speaker 2: paid pennies on what they're pumping back into the grid.
Speaker 2: They'd rather if they have they're pumping into the grid
Speaker 2: because they're not building it for a house, they're building
Speaker 2: it as something a solar field.
Speaker 5: If they can get ten owners, and I'm giving you a.
Speaker 2: Very simple explanation. If they can get ten owners, and
Speaker 2: it's actually more be like a thousand whatever. If they
Speaker 2: can get a thousand owners to sign up to buy
Speaker 2: their power, they're going to make more money on their power.
Speaker 2: Plus they're going to get tax credits. So the solar
Speaker 2: field is doing great. And if you look at Excel standpoint,
Speaker 2: they're keeping a thousand people from putting in solar systems,
Speaker 2: yet they're still offering them savings. That's where the hook is.
Speaker 2: That's where the hook is. But it benefits us as consumers.
Speaker 2: There's nothing to do now but noel. If it ever
Speaker 2: becomes burdensome to you, you literally withdraw from the program.
Speaker 2: Now you will get two bills. You'll get one bill
Speaker 2: from the co op and one bill from Excel, or
Speaker 2: they might combined bill, but you'll be billed in two entities.
Speaker 2: The combined bill will be about ten ten percent or
Speaker 2: more cheaper than you were paying before.
Speaker 14: Hmm.
Speaker 18: Okay, well I'll take a look at it then, thank
Speaker 18: you very much.
Speaker 2: I'm actually gonna do it. I just haven't gotten my
Speaker 2: ass around to do it, but I want to do it.
Speaker 2: I'm gonna do it.
Speaker 9: It sounds honest to god. I don't trust them. I
Speaker 9: don't think I think there's something more to it. I
Speaker 9: don't trust Excel at all. Okay, well, it's both Excel
Speaker 9: and the Solar co opted.
Speaker 5: I'd like to let's ask brook or let's ask what
Speaker 5: did Brooks said? Brooks said it was a great idea.
Speaker 5: Want I had her on the show.
Speaker 2: Okay, now I trust it a little better. Here's where
Speaker 2: it's not a great idea. Mark Excel. When you say
Speaker 2: you don't trust them, you're right. The reason Excel is
Speaker 2: doing this is for what reason? Excel is doing this
Speaker 2: because they don't want you to put in solar, but
Speaker 2: they want to appease you. They want to make it
Speaker 2: look like, well, at least I have some solar because
Speaker 2: they really don't want people on solar. They want you
Speaker 2: to cut down on usage, but they don't want you
Speaker 2: completely off of the grid. And when you're on solar,
Speaker 2: you're pretty much off the grid except for very few exceptions.
Speaker 2: So therefore you have Excel offering this to people as
Speaker 2: an alternative to getting their own solar system. You could
Speaker 2: call it a virtual solar system, but the most it's
Speaker 2: going to generate is about, I know, a certain percentage
Speaker 2: of your power. I'm Tom Martino. We have more coming
Speaker 2: up on the Troubleshooter Show. If you have any questions
Speaker 2: on it, give me a call, or let's get Brooke
Speaker 2: on as.
Speaker 5: She can explain it.
Speaker 2: Three three seven, one, three eight, two five five or
Speaker 2: three oh three Martino. Go with a sure thing Denver's
Speaker 2: Best roofer Excel roofing dot com. You don't pay a
Speaker 2: cent until you're content. Time for an insurance check up free,
Speaker 2: no obligation. In comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three all three seven seven to one help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: Real estate Man dot com to list your home with
Speaker 2: Remax Alliance three all three nine two zero sixteen twenty two.
Speaker 4: Yeah, Rita.
Speaker 1: News need advice?
Speaker 4: Who you don't have?
Speaker 3: Come running just as nast as we can show.
Speaker 4: Shooter's gonna help.
Speaker 1: Come Man Dix is the Troubleshooter Show.
Speaker 2: Now Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 2: Three oh three seven one three talk seven one three
Speaker 2: eight two five five. Let's go to the phones. I
Speaker 2: have had some text questions and then follow ups, so
Speaker 2: I want to go right to uh Jared who is
Speaker 2: with qccolorado.
Speaker 5: Dot com The Quiet, Cool, whole house fan. They did
Speaker 5: two systems for me, They've done systems for my friends.
Speaker 5: And here's the bottom line. I love it. I love QC.
Speaker 3: Now.
Speaker 2: In one of my houses, I have a remote control
Speaker 2: which is wireless and I can control the duration and
Speaker 2: the fan speed. Then in another house, I have it
Speaker 2: hardwired by preference because of some interference issues I had,
Speaker 2: and I can still I can control the duration or
Speaker 2: the fan speed. And now here's the deal. Somebody asked,
Speaker 2: what about Wi Fi? I want to do it with
Speaker 2: my smart app. I don't want to get out of
Speaker 2: bet or I want to do it before I get home,
Speaker 2: because let's say the house was roasting all day.
Speaker 5: One of the benefits of the QC is you don't
Speaker 5: keep your air on all day.
Speaker 2: You can just keep it your house cooking. Then right
Speaker 2: before you get home, you turn on the QC fan.
Speaker 2: It'll air it out. It will it'll get rid of
Speaker 2: all the extreme heat and take the load if you're
Speaker 2: ac No matter how you use it, it's always.
Speaker 5: Convenient to have this Wi Fi.
Speaker 2: So I said, well, I just found where they do
Speaker 2: have a Wi Fi adapter. They have one it's called
Speaker 2: the Quiet Cool Smart Attic Fan Control Replace.
Speaker 9: So they have a full blown app. Tom they've got
Speaker 9: QC men market. I get it, Okay, I get it.
Speaker 9: So what's your point, Mark?
Speaker 2: I was just saying, they have it right, okay, And
Speaker 2: then I got more than two techs saying they asked
Speaker 2: our person because they call when they hear my commercial
Speaker 2: about it, and.
Speaker 5: They don't like it and they don't like to use it.
Speaker 2: Because one person who texted me said, I asked Quiet
Speaker 2: Cool about it QC Colorado. They said they won't install
Speaker 2: them because if people use the app without first opening
Speaker 2: windows appropriate windows at lower levels, it can cause damage
Speaker 2: and it's not recommended. Okay, they sell it right on
Speaker 2: the quiet Cool site. So somebody wanted me to reconcile.
Speaker 2: Why would I mention that it's available if QCE Colorado
Speaker 2: our sponsor doesn't like them. So I just called my sponsor, Jared,
Speaker 2: to ask Jared, how do you stand on this?
Speaker 20: Hey, tomm good to talk to you. Yes, sir, that
Speaker 20: the app control is only meant for it's a different
Speaker 20: product than the whole house fan. It doesn't connect to
Speaker 20: the whole house fan whatsoever. It's only made for and
Speaker 20: only connects to what's called a roof mounted exhaust fan.
Speaker 20: And so that's a different Quiet Cool product that's mounted
Speaker 20: onto the roof under the exterior of the home, and
Speaker 20: that is just pulling airs.
Speaker 14: You know what.
Speaker 5: You're right, it's an attic fan, it's an addic fan.
Speaker 5: I just saw it. You're right, You're right, You're right,
Speaker 5: that's exactly right.
Speaker 1: I just saw it too.
Speaker 5: The app is actually called.
Speaker 20: Away from automatic turn on as possible.
Speaker 2: Now, you guys don't don't want an automatic turn on
Speaker 2: because you want people to have to think about it.
Speaker 20: Yeah, you just need to have a window open. So
Speaker 20: you could certainly do automatic turn on if and this
Speaker 20: isn't available, but if there was something that would automatically
Speaker 20: open a window as well. So you have to have
Speaker 20: the window open. So it's kind of different from like
Speaker 20: a Nest thermostat with your air conditioning. It's kind of
Speaker 20: like you mentioned. I know, Yeah, with a thermostat, you want.
Speaker 2: To do like pretty cool.
Speaker 20: You get home, because AC takes a long time to
Speaker 20: actually cool a home. Did get home, open up the window,
Speaker 20: turn on the fan, and within two or three minutes,
Speaker 20: As you know, I know every thing as much more.
Speaker 2: That's what I do, Jared, I have another question. I
Speaker 2: was speaking of that a couple questions. By the way,
Speaker 2: I did turn on my fan one time at high
Speaker 2: and I turned it on and it was and I
Speaker 2: didn't have the windows open, and I start smelling sewer gasses.
Speaker 2: You know why, because he was sucking the air out.
Speaker 5: Of my drains.
Speaker 18: That's right.
Speaker 20: It's typically downstairs that if you haven't used like those
Speaker 20: downstairs sinks for a long time. Yeah, in that plumbing,
Speaker 20: that water will dry out.
Speaker 1: And because yeah, that's because it's so powerful.
Speaker 2: Okay, next question, next question, And again, Jared, I bring
Speaker 2: this up because I love the product.
Speaker 5: I'm not picking at it.
Speaker 2: I noticed some of my lower windows because I happen
Speaker 2: to live in an area that has I don't know,
Speaker 2: pond or whatever it is. It the screens get gunked
Speaker 2: up because it's drawing so much airstroom, right, and so
Speaker 2: I got to go outside and vacuum those screens off
Speaker 2: with my with my shop back every now and then.
Speaker 2: Is there any way I mean, I guess there is
Speaker 2: no way around that. I mean, if you live in
Speaker 2: an area that I have a lot of loose debris
Speaker 2: and stuff, it's going to be sucked onto that screen, right, Yeah,
Speaker 2: you'd have.
Speaker 20: To justus all. And it's really only going from about
Speaker 20: inches away.
Speaker 5: Oh okay, okay, so it's pulling from right around the window.
Speaker 1: You correct?
Speaker 2: Now, did I hear somewhere you could get Hepa screens
Speaker 2: which will actually clean the ers, it's pulling it in.
Speaker 20: Uh, but quite a cool has a screen that that
Speaker 20: you can put on the windows. You have to kind
Speaker 20: of rescreen the window. Yeah, you have a particular window
Speaker 20: that you're using all the time. It'll actually collect those
Speaker 20: that that pallen and that type of thing. It will
Speaker 20: do exactly what you're what you're doing, but even more
Speaker 20: so because that screen is a little tighter, it'll catch
Speaker 20: more things and it'll require to be washed more often.
Speaker 5: But yeah, but you can just hose it down, right,
Speaker 5: just take it off.
Speaker 20: As Yeah, that that process would look like maybe once
Speaker 20: a year you take off the screening, space them down
Speaker 20: and then run a hose through the backside of them
Speaker 20: to push it all off.
Speaker 5: Okay, so you're answering a lot of questions for me.
Speaker 2: Now my next thing. Next thing. In one of my homes,
Speaker 2: the fan worked so good if if at night. I mean,
Speaker 2: we never use air on another house.
Speaker 5: This house.
Speaker 2: It what I use for business in my studio. It
Speaker 2: started when my daughter started living here. She says, it's
Speaker 2: not cooling down all that much. It's cooling down a lot,
Speaker 2: but not all that much. And I had excel roofing.
Speaker 2: Look at the attic, and they said that your whole
Speaker 2: house fan is working perfectly, but your attic is choking it.
Speaker 2: In other words, your attic isn't allowing enough air out.
Speaker 2: You don't have enough vents for the all the air
Speaker 2: this sucker is pulling through your house. So they increased
Speaker 2: the venting in my attic and put in an attic fan.
Speaker 2: And I didn't know you guys sell those, but they
Speaker 2: put in a solar attic fan and that improved not
Speaker 2: one hundred percent, but that approved at least twenty or
Speaker 2: thirty percent.
Speaker 5: What the whole what the whole house.
Speaker 20: Fan does, that's exactly right in fact, and I have
Speaker 20: that with the quiet Cool branded system that we fell
Speaker 20: in in my home as well. It's that roof mounted
Speaker 20: exhaust span that uses that app control and what we
Speaker 20: call that is a complete system. So if you've got
Speaker 20: the whole house stand great, and that's really as you know,
Speaker 20: that's ninety percent of the kind of wow factor comes
Speaker 20: from that whole house fan system. But then if you
Speaker 20: really want to get it down and really have some
Speaker 20: energy savings from ac, he'd install the quiet Cool remounted
Speaker 20: exhaust fame. And now that was run during the middle
Speaker 20: of the day and keep that temperature in the.
Speaker 5: App or at least increase the venting in your attic.
Speaker 2: Now, Jared, I'm not suggesting you go into this business
Speaker 2: of venting an attic, but I will say this for
Speaker 2: your own product's sake. If I were an installer, I
Speaker 2: would check to see that you guys have adequate venting
Speaker 2: in the attic, because otherwise people might think, well, this
Speaker 2: thing didn't work as well as Tom said. And actually
Speaker 2: it's not the whole house fans fault. The attic is
Speaker 2: shut down. Now here's before people say it, because I
Speaker 2: know what people are thinking right now. They're saying this, Well, Tom,
Speaker 2: I wouldn't buy a whole house fan. I I also
Speaker 2: have to vent my attic. But I'm gonna say this, Okay,
Speaker 2: even without a whole house fan, if you don't have
Speaker 2: a properly vented attic, your roof is not going to
Speaker 2: last as long and your house is going to be
Speaker 2: difficult to cool and difficult to heat. So don't feel like,
Speaker 2: don't feel like the attic venting is because of the
Speaker 2: whole house fan. No, you need addic venting first before anything.
Speaker 2: Then the whole house fan will be like robust, it'll
Speaker 2: do what it's supposed to do. So do you ever
Speaker 2: make recommendations? If you see an attic that's pretty much
Speaker 2: closed up, do you still install the whole I'm just
Speaker 2: asking straight up, what do you do about that?
Speaker 20: Absolutely, and to your exact point, our guys on our
Speaker 20: installs will do an infection prior to install and make
Speaker 20: sure that there's enough ventilation. Sometimes people will get a
Speaker 20: new roof after getting the system installed, and then the
Speaker 20: new roofing company will not put as much vnding on
Speaker 20: there as there should be. Yeah, one hundred percent of
Speaker 20: the time. If a customer needs more ventilation, and we
Speaker 20: do this to kind of protect the customers, we'll let
Speaker 20: them know before we do any work whatsoever. Installing the
Speaker 20: whole house fan, Hey, you may need a couple more events.
Speaker 2: You're going to be exactly, And it's not because of
Speaker 2: the whole house fan.
Speaker 5: It's not because of the whole house fan.
Speaker 2: It's because of proper ventilation and Jared, the only reason
Speaker 2: I bring this up is because it's a bad reflection
Speaker 2: on the whole house fan.
Speaker 5: If an addic is keeping it from doing its.
Speaker 20: Job correct and in Colorado, most of the vast vast
Speaker 20: majority of homes will not need any additional venting if
Speaker 20: done to code, if the roof is done to code.
Speaker 20: So sometimes in older homes or sometimes if you've got
Speaker 20: a new roof put on, and maybe the maybe the
Speaker 20: hooping company made a mistake as far as how many
Speaker 20: events they ended up putting on. Sometimes ridgeline vents. They'll
Speaker 20: stuff in a lot of extra screen and shank you
Speaker 20: point that'll choke down the ventilation and then it doesn't
Speaker 20: have enough room to get it out. But our guys
Speaker 20: do an inspection on every single install to find out
Speaker 20: to make sure price, thank you chairing work whatsoever if
Speaker 20: they need more.
Speaker 2: Event Qccolorado dot com, thank you, Jared, appreciate it. Sevent
Speaker 2: to zero.
Speaker 5: Well, let's see, I don't want to give out his number.
Speaker 2: I'll give out the official number QC Colorado dot com.
Speaker 5: It's right here. I'm sorry I should have had that.
Speaker 2: Available and it is three oh three, eight hundred and
Speaker 2: thirty four nineteen. Three oh three, eight hundred thirty four
Speaker 2: nineteen Thank you now. Mark Schamansky on this topic, how
Speaker 2: many roofs do you go to? I'll bet you more
Speaker 2: than you think that are not properly ventilated, you know, and.
Speaker 7: Really thom it's usually the intake ventilation is the big problem,
Speaker 7: and that's usually a sofa that's a sofa event, you know.
Speaker 7: The outtake ventilations that is the easy to put on.
Speaker 7: You put extra turtle events. You can have a power
Speaker 7: back fan, you can have a rich vent that's all
Speaker 7: outgoing and you really need the income.
Speaker 8: I mean, that's where the problem is.
Speaker 2: That's where the lower levels near this soft that's correct
Speaker 2: that you often add those when you do roofs.
Speaker 19: We do.
Speaker 7: It is becoming more and more, you know, I truthfully,
Speaker 7: I mean twenty years ago, I didn't think about this.
Speaker 8: We known't really concerned about ventilation.
Speaker 7: It's become a really big hot topic, including even written
Speaker 7: in code now the new updating codes are requiring more
Speaker 7: and more ventilation to be in that because it's so important.
Speaker 7: You want your attic space temperature to be the same
Speaker 7: temperatures outside the.
Speaker 2: Home, yes, of course, and people don't understand how efficient
Speaker 2: that makes your house.
Speaker 7: Yeah, and you want your air you'll filter out every
Speaker 7: three to five hours to have that completely exchange all
Speaker 7: that air.
Speaker 2: So that's genesis tootalexteriors dot Com we have more coming
Speaker 2: right up. Go with a sure thing Denver's best roofer
Speaker 2: Excel Roofing dot com. You don't pay a cent until
Speaker 2: you're content. Time for an insurance check up free, no obligation.
Speaker 2: In comparison, call Compass Insurance paying too much your coverage
Speaker 2: at dozens of insurance companies find out now three all
Speaker 2: three seven seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Remax Alliance
Speaker 2: three all three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martinez Hare three all three seven one three Talks
Speaker 2: seven one three eight two five five. So John came
Speaker 2: up before and he was talking about his stepdaughter or no,
Speaker 2: I'm not a stepdaughter, his uh sorry, his girlfriend's daughter, Emily,
Speaker 2: and she has some mental disabilities.
Speaker 5: So I'm going to bring up Attorney rain A Bias.
Speaker 2: Who we met?
Speaker 5: Is it baas or bias?
Speaker 1: No bias?
Speaker 2: You got it right, Hi time Bias Raina. Thank you
Speaker 2: by the way for coming in yesterday. It was a
Speaker 2: great show and for what you're doing now. I think
Speaker 2: that's going to be resolved, don't you.
Speaker 17: I do Tom, and thank you so much for your listeners,
Speaker 17: because they really put the pressure on Mercedes Benz Colorado
Speaker 17: Springs and I got a call right right after the show,
Speaker 17: so I really appreciate that.
Speaker 2: Thank you, now, Rena. So John's friend goes in there
Speaker 2: to buy a car. She has bipolar and brain damage
Speaker 2: and she's on SSI. I don't know if she's technically incompetent.
Speaker 2: I don't think she is, but she might be at risk.
Speaker 2: So she's in there and she buys a car. Again,
Speaker 2: we're not saying they were liar cheaters. She paid too
Speaker 2: much for the car. It's one hundred and thirty three.
Speaker 2: You know, she just paid too much. This is not
Speaker 2: a ripoff. This is where she paid too much. They
Speaker 2: may have taken advantage of her. The car is a
Speaker 2: piece of crap. But they did not make any false accusations.
Speaker 5: It's as is. Is she just out of luck? I mean, John,
Speaker 5: Am I leaving anything out here? You can fill in
Speaker 5: for Reina the attorney?
Speaker 24: No, I think that's pretty good story.
Speaker 3: Yeah.
Speaker 5: And by the way, Raina deals with car deals, bad
Speaker 5: car deals. I love it.
Speaker 1: She did try to bring it back the same day.
Speaker 5: Isn't that something?
Speaker 24: Yes, yes, Yeah, she shook hundred miles north of the
Speaker 24: dealership and then the thing wouldn't go above forty and
Speaker 24: it was making all kinds of noise.
Speaker 3: Yeah.
Speaker 2: Yeah, that's the ads is thing man. Okay, so what
Speaker 2: do you think? Rain And we always try to find
Speaker 2: hooks to get people out of stuff, but not we're
Speaker 2: not unfair about it on this show, where you know,
Speaker 2: sometimes people just make mistakes.
Speaker 5: But Raina, what do you think?
Speaker 14: Yeah, there's a couple of questions that I have for
Speaker 14: you all.
Speaker 17: One is you mentioned that she paid more than she
Speaker 17: should have. I want to know were you able to
Speaker 17: see the advertisement on their website for how much the
Speaker 17: car was advertised as and is it different than what
Speaker 17: she paid? And the reason I asked that is because
Speaker 17: dealerships can't artificially inflate a price once they've advertised it
Speaker 17: on their website as something else.
Speaker 2: Yeah, that's a good point, John, What was it advertised?
Speaker 2: You got the ad?
Speaker 5: What was it advertised for?
Speaker 2: Yeah?
Speaker 24: I got part of the ad in a text. Sorry,
Speaker 24: I've got the hiccups here. Yeah, and let me just
Speaker 24: see if I can see you can.
Speaker 2: Get rid of the hiccups if I scare you so
Speaker 2: let me show you a picture of Mark.
Speaker 24: Okay, I don't think that's gonna happen. Tom, all right,
Speaker 24: all right, let me see. I'm not trying to see it.
Speaker 25: Yeah, and then while he's looking Tom a little side note.
Speaker 25: I guess the salesman was so irritated with all of
Speaker 25: this he actually called the customer's place of work and
Speaker 25: tried to complain to her superiors about her.
Speaker 3: Is that odd or what?
Speaker 5: That's just bonkers?
Speaker 3: Yeah.
Speaker 2: The name of the car dealership and this one was
Speaker 2: Econo Auto Sales.
Speaker 5: What did they say to the boss? Helped me out here?
Speaker 2: I have to ask Sean that I don't want to be.
Speaker 24: I think he was just trying to harass he her work, basically,
Speaker 24: and the boss was having none of it over there
Speaker 24: at Walmart, so he told the guy to stop calling,
Speaker 24: you know, Walmart. That's yeah, that's yeah.
Speaker 2: That's good that she's working at Walmart. Walmart does a
Speaker 2: fine job. Yeah here with disability, I know they do
Speaker 2: a great job with that. Yeah. So Raina wants to
Speaker 2: know if the price is going to be different than
Speaker 2: it was advertised.
Speaker 24: Yes, what I have in a text doesn't have a price,
Speaker 24: but that doesn't mean that you know Emily doesn't have
Speaker 24: that information.
Speaker 2: Well, yeah, but get the information and then maybe you
Speaker 2: can talk to rain off the air.
Speaker 5: But RAINA, what else can what other hooks do we
Speaker 5: look for?
Speaker 17: Okay? So one of the other things that you mentioned
Speaker 17: was that it stopped working, and I think that you
Speaker 17: might have mentioned that this is an older car. It's
Speaker 17: hard that needs to pass the mission.
Speaker 2: Oh twenty twelve Nissan.
Speaker 5: Ultimately, yeah, it would have to pass emissions. Yes, Well,
Speaker 5: where do they live? I'm assuming you're in the missions
Speaker 5: control area?
Speaker 24: John, So I did yesterday. As a side note, I
Speaker 24: did take the car to the emissions up on it
Speaker 24: because she left it like sixty fifth and Walt, that's
Speaker 24: where she left the car now, But.
Speaker 2: Hold on, John, John. Was it sold into an emissions area?
Speaker 2: That's the first question. Ye Does she live in an
Speaker 2: emissions area? Yeah?
Speaker 24: For Collins, I'm sure they have emissions up there.
Speaker 5: Well, I don't know if they do or not.
Speaker 2: But if she lives in an emissions area, then they
Speaker 2: have and they are selling it to her. They it
Speaker 2: has to.
Speaker 5: She has to get a three day voucher. Did she
Speaker 5: get a three day vouch?
Speaker 24: She did get that, and I actually went to the
Speaker 24: emissions yesterday and it actually did pass.
Speaker 5: I mean, okay, well that's okay, what else that kind?
Speaker 24: I was hoping it wasn't going to pass, but it
Speaker 24: did pass a mission.
Speaker 5: Yeah.
Speaker 17: Uh, that is unfortunate because if it didn't, then they
Speaker 17: I believe you have to bring it back in five
Speaker 17: days and you right or yeah, buy it back? Okay,
Speaker 17: So it's an ad IS sale. Did they Did she
Speaker 17: purchase a warranty along with the sale, and that's warranty?
Speaker 5: I don't I don't think so. Of it was twelve grand.
Speaker 5: It does doesn't sound like she would have.
Speaker 19: Okay, because if.
Speaker 5: John, here's what we want you to do.
Speaker 2: Get the damn deal in front of you so we
Speaker 2: can talk details and really let's do that. Let's find
Speaker 2: out if there's a hook we can get. Rain is
Speaker 2: looking for a hook. The warranty, the inflated price over
Speaker 2: the ad I'd like to know where she was going
Speaker 2: with that warranty though, what was that?
Speaker 5: Well, then they have to honor the warranty.
Speaker 14: They have to honor the warranty.
Speaker 17: But also there is a clause under the Federal Act
Speaker 17: that basically says that if the dealership gives a service contract.
Speaker 17: So these extended they're called extended warranties, but they're not
Speaker 17: really warranties. What they are service contracts because you pay
Speaker 17: extra for them. Now, if the dealership gave a service contract,
Speaker 17: then there might be a warranty, an applied warranty of
Speaker 17: merchant ability, which basically means that the good has to
Speaker 17: be fit for the purpose of what it's used for,
Speaker 17: Like it has to be merchantable. It would pass without
Speaker 17: a In other.
Speaker 2: Words, if you're going to service something, then you're servicing
Speaker 2: something and you can't service if it if it's a
Speaker 2: piece of junk.
Speaker 17: Well kind. So what it basically means is a dealership,
Speaker 17: if they give you a service contract, cannot sell you
Speaker 17: a vehicle that wouldn't pass without objection in the trade.
Speaker 17: What that means it has to go from one place
Speaker 17: to the other and exactly all that breaks down four
Speaker 17: miles after buying it would not pass without objection in
Speaker 17: the trade exactly.
Speaker 2: So therefore the service contract would be would be stupid, right,
Speaker 2: I mean, it makes sense to me that if they
Speaker 2: these are all great things raina, so what else should
Speaker 2: he look for?
Speaker 5: And what about her being a person at risk so
Speaker 5: to speak?
Speaker 17: That's a hard one, right, because you can't not just
Speaker 17: do business with somebody who might appear I see a
Speaker 17: person at risk, right, so you know you don't want
Speaker 17: that to be the law. And so they can't do
Speaker 17: business with her absolutely, as long as they don't try
Speaker 17: to take advantage of her. And that's what we're looking
Speaker 17: at the advertisement too, right, got it. He comes in,
Speaker 17: she appears at risk, they raise the price because they
Speaker 17: know she's not going to argue it. So now we
Speaker 17: have some sort of fraud. Now we have something that.
Speaker 3: We work with.
Speaker 5: Yeah, I got it.
Speaker 2: I got it. So all right, so Johnny on there,
Speaker 2: get the details for us, and we're going to revisit this. Okay, Now, Rina,
Speaker 2: what kind of we need to I'm getting all kinds
Speaker 2: of texts now that you're on.
Speaker 5: What kind of law do you do specifically?
Speaker 17: Okay? So I do Lemon law. So you buy a
Speaker 17: new car, it breaks down five times in the first year,
Speaker 17: you want to see the manufacturer. I do that type
Speaker 17: of law, and then I also do auto fraud. So
Speaker 17: that's a dometer rollback.
Speaker 14: You know, these types of cases base.
Speaker 2: Are fraud in the inducement if there is any right, Yeah, Okay, so, Reina,
Speaker 2: do you mind if we give out your number?
Speaker 5: Because I can see this being a really good friendship.
Speaker 2: Really, we don't have anyone who does this specifically, So
Speaker 2: do you mind giving out your phone number?
Speaker 17: No, not at all? Seven to two oh five two
Speaker 17: six oh sixty two.
Speaker 2: Okay, seven two zero five five to two sixty sixty two.
Speaker 2: All right, this is great, We appreciate it. We got
Speaker 2: more coming up. I'm Tom Martino. Go with a sure
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Speaker 2: pay a cent until you're content.
Speaker 10: Of it.
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Speaker 2: seven one help. You'll think you're his only customer when
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Speaker 2: to list your home with Remax Alliance three all three
Speaker 2: nine two zero sixteen twenty two. All right, I'm Tom Martino.
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Speaker 5: Now I want to continue here, and Ernie has a.
Speaker 2: He wants to give some feedback. Ernie, I'm so sorry
Speaker 2: for the wait. I'm so sorry. And by the way, Ernie,
Speaker 2: I just want you to know something. I noticed you
Speaker 2: called me the other day. I wasn't around. I had
Speaker 2: some stuff going on, but I just wanted to tell
Speaker 2: you that. Okay, what's going on, Ernie?
Speaker 26: Ernie, Well, you know I have a problem with my basement.
Speaker 26: And well Tom, first, let me say I want to
Speaker 26: wish you a happy birthday. Please, thank you. Then and
Speaker 26: Mark also for their wedding, I mean their anniversary. I
Speaker 26: would thank you, Ernie happy. Yes, please, I really appreciate
Speaker 26: you guys. But the problem I'm calling about is it's
Speaker 26: not really a problem. I don't know if it's a problem.
Speaker 2: Uh.
Speaker 26: Yeah, American Resolution came in and they've done so work
Speaker 26: in my basement. What they've done is demolition, but they
Speaker 26: haven't completed it. One question is is wants to insurance?
Speaker 10: Uh?
Speaker 26: And the workers have been started? Is there a time
Speaker 26: leaveing on the insurance completion?
Speaker 2: Well, let me ask let me ask you this. We're
Speaker 2: going to ask these guys that. I'll ask Matt Stamford.
Speaker 2: Paragon Services a public adjuster. But Ernie, when did they
Speaker 2: do that? When did was the actual loss? When was
Speaker 2: the event?
Speaker 26: I don't know when I found out about it? It
Speaker 26: was in May? I think?
Speaker 2: Is that when you put in your insurance claim?
Speaker 26: Yes, I think it was in May. I'm not sure.
Speaker 26: I have to get the information. If that's very important.
Speaker 2: Okay, Well did you actually file the claim though? And
Speaker 2: the adjuster came out?
Speaker 3: Right?
Speaker 26: There's no no adjuster, no adjuster uh uh in the
Speaker 26: process right now. The insurance company they sent me a uh,
Speaker 26: I know what American restitution they did? What they say?
Speaker 2: No, But I'm asking Ernie. The insurance company knows though
Speaker 2: that it happened. You officially notified them, right, okay, Now
Speaker 2: American restauran ration came out. Was this water damage?
Speaker 3: Yes?
Speaker 26: And mold and whatever else?
Speaker 2: All right, So they came out and fixed all of
Speaker 2: your uh uh or excuse me? Did demolition took out
Speaker 2: some of the drywall the carpeting and that.
Speaker 26: Yes, well and it wasn't any carpeting no, well.
Speaker 5: All right, whatever they whatever?
Speaker 2: And did they put blower motors there to dry it
Speaker 2: out and all that exactly? Okay?
Speaker 5: Now how long ago did they finish that?
Speaker 26: A couple of weeks ago?
Speaker 2: Okay, and it's just been sitting right.
Speaker 26: Well, I just I don't know. You know what guessule
Speaker 26: I tell you?
Speaker 2: Well, well, hold on, you're the one.
Speaker 5: You're the one that makes the schedule or they are.
Speaker 2: They're not just going to go start rebuilding without you
Speaker 2: hearing from your insurance.
Speaker 26: So what your next step is with the insurance company?
Speaker 26: But I haven't. I just made the first or an
Speaker 26: issue initial reporting. I got in touch with an insurance gpdentity.
Speaker 26: But from there on the end Rock to go arrests
Speaker 26: and amys Uh, I haven't talked to an insurance at all.
Speaker 2: First, did Rock talk to your adjuster?
Speaker 19: Yes?
Speaker 26: Insurers? All right, Yeah, here.
Speaker 2: Here's what we need to do.
Speaker 5: Okay, First, Matt, does this sound normal to you? Yep?
Speaker 1: And so here's how this is.
Speaker 5: This works.
Speaker 2: So, uh, you know, when you have an insurance company
Speaker 2: that's been made aware.
Speaker 6: There's a water loss, they're going to say, all right,
Speaker 6: that needs to be mitigated immediately. So get the mitigation
Speaker 6: company out there. They'll gut it, hopefully, they'll test for
Speaker 6: asbestos and get a clean report, do all that demolition,
Speaker 6: all that occurs, and then they'll send out an adjuster
Speaker 6: when it's gutted, and that adjuster will determine what it's
Speaker 6: going to take to restore the property.
Speaker 5: Okay, all right, so that's what's going on. Now, how
Speaker 5: do we get Rock?
Speaker 3: Uh?
Speaker 2: Does Rock contact them? Because if they're gonna do the rebuilding,
Speaker 2: does Rock contact them? Or if Rock has left it?
Speaker 2: Do you know, Ernie, if Rock has been paid or
Speaker 2: not yet from your insurance.
Speaker 26: Well, I don't think he had because I haven't signed
Speaker 26: anything that if the insurance from me makes out payment
Speaker 26: to all right, hold.
Speaker 5: On, here's what we're gonna do.
Speaker 2: Here's what we're gonna do. We're gonna get Rock back
Speaker 2: on tomorrow to find out where this is in progress,
Speaker 2: and he should give us a clear indication. Then if
Speaker 2: you need someone to rebuild and you don't want it
Speaker 2: to be them, that's fine. They'll be paid for the mitigation.
Speaker 2: You can hire someone else to build. But somewhere along
Speaker 2: the line, an adjuster is going to have to come out, Ernie.
Speaker 2: So what I'm gonna do is put you on hold
Speaker 2: right now.
Speaker 5: Your line is very noisy.
Speaker 2: I don't know what kind of phone you have, But
Speaker 2: what we're gonna do is, sus if you can make
Speaker 2: a note, let's try to get Rock on the line
Speaker 2: to address this, to see what stage is in, if
Speaker 2: he's handling it, getting an adjuster out there or what,
Speaker 2: and then we'll take it from there.
Speaker 5: So three oh three seven one three eight two five
Speaker 5: five go.
Speaker 2: With a sure thing Denver's Best Roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Time for
Speaker 2: an insurance checkup, free no obligation comparison call Compass Insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three oh three seven to seven to
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the real estate man dot com to
Speaker 2: list your home with Remax Alliance three oh three nine
Speaker 2: two zero sixteen twenty two. Hi Tom Martino, your troubleshooter
Speaker 2: three oh three seven to one three talk three h
Speaker 2: three seven one three eight two five five. So let's
Speaker 2: talk and wrap it up with Mark Schamansky Genesis Total
Speaker 2: Exteriors and Matt Stanford Paragon Services. By the way, Paragon
Speaker 2: services you can find on a referral list a referral
Speaker 2: list dot Come Matt, what kind of when do you
Speaker 2: call a public adjuster? I mean, I know we went
Speaker 2: over that, and for people listening, a public adjuster represents
Speaker 2: you against and I hate to use the word against,
Speaker 2: but with your insurance company to try to get you
Speaker 2: the coverage you deserve because.
Speaker 5: They're not necessarily going to volunteer it. So when do
Speaker 5: they call you, Matt?
Speaker 2: I like it when they call me from the beginning.
Speaker 2: And there's a couple of reasons for that. The beginning
Speaker 2: of what though, how do they know any claim?
Speaker 6: Yeah, so if they're sitting at home and a hailstorm
Speaker 6: rolls through, call me, and you know, I'll either come
Speaker 6: out or send one of my guys out. You know,
Speaker 6: I work with Mark Schamansky directly when we get a storm.
Speaker 2: Like that, so we team up to uh carry the volume.
Speaker 6: But yeah, I'll do an inspection and tell you, you know, yeah,
Speaker 6: here's what you got and and here's the scope of damage.
Speaker 6: And then I'll represent you through the whole claim make
Speaker 6: sure you get paid fairly. That's the easiest, squeaky clean
Speaker 6: way to do it. If you wait till you get
Speaker 6: jerked around and then call me. I have to work
Speaker 6: retroactively and mop up and find out why.
Speaker 2: And it takes time. Nothing happens overnight. So I would
Speaker 2: recommend call me in the beginning, okay, and then Mark,
Speaker 2: what do people what do people need to know when
Speaker 2: they call a contractor?
Speaker 7: I mean, you know, you know, I think, like you
Speaker 7: always say, you always make sure you do your due
Speaker 7: diligence to make sure they're a good contractor. You know,
Speaker 7: like you said the BBB, you know, you get false
Speaker 7: reviews in there and things like that. To me, even nowadays,
Speaker 7: Google reviews are a little even misleading nowadays. But to
Speaker 7: go back and make sure that you're you're picking a
Speaker 7: replical contractor, they have insurance, they're licensed, and you know,
Speaker 7: obviously if they're on their Martino show or on the
Speaker 7: referral list. It's a great way to pick somebody. I mean,
Speaker 7: how many times do we hear people being scammed because
Speaker 7: they called you after the fact, just like yeah, said
Speaker 7: call us in the beginning, and not somebody else.
Speaker 5: Yeah.
Speaker 2: Now, Genesis tootally seris dot com three zho three six
Speaker 2: seven nine eight five zero nine. By the way, that
Speaker 2: New Aligned siding is freaking wonderful. Is an awesome product,
Speaker 2: and it's a lifetime siding.
Speaker 7: His lifetime and lifetime color guarantee, and so definitely a
Speaker 7: great product and something to look into if you think
Speaker 7: you need new sighting.
Speaker 2: Okay, and then Paragon Services, Uh it's seven to one
Speaker 2: nine seven two six zero zero two zero and again
Speaker 2: Genesis totally series dot com three oh three six seven
Speaker 2: nine eight five zero nine. So thank you guys and Dmitri.
Speaker 2: So what did you think our new deputy we're trying
Speaker 2: out today to a Dmitri?
Speaker 5: What did you think?
Speaker 3: Bro?
Speaker 12: It was a lot of fun. Yeah, I've come to
Speaker 12: the right place.
Speaker 5: Yeah, and he's going to be back, Sue.
Speaker 2: So I'm going to give you all of his contact
Speaker 2: information so you'll cause SUSA has all of that and
Speaker 2: she will, along with our producer, will assign uh you know, like.
Speaker 5: Cases, and that'll be it.
Speaker 2: And Deputy bo Is Deputy Deputy Dollar in the studio
Speaker 2: today or not. I'm sorry, we didn't have a lot
Speaker 2: of cases to follow up here. Deputy Dollar. I'm gonna
Speaker 2: bring him in. We can all meet or go out
Speaker 2: to lunch somewhere, and uh, we just got to pick
Speaker 2: a time to all get together. So remember, folks, I
Speaker 2: say this and I mean it. Three zero three Martino
Speaker 2: for help, information and referrals.