Speaker 1: Yeah, ripped bad news.
Speaker 2: Didn't need advice when you don't have.
Speaker 1: To come running just as fast as the can Shooter's
Speaker 1: gonna help her come h Man.
Speaker 3: Dix's the Troubleshooter Show. Now, Tom Martine.
Speaker 4: Almost Hi, Tom Martino here. Three oh three seven one
Speaker 4: three talk three oh three seven one three eight two
Speaker 4: five five. Welcome to the Only Show if it's kind
Speaker 4: anywhere in the universe. Let's try to get the show
Speaker 4: on the road. I got just a little problem with
Speaker 4: my earpiece, but I'll get right to it. So what's
Speaker 4: going on and how can we help you? That's what
Speaker 4: I ask each and every day. So happening here for example, Well, basically, I, uh, hey, hey, hey, hey, technically,
Speaker 4: thank you Mark, I'm going to reboot.
Speaker 2: Thank you you guys, I got to reboot all right.
Speaker 5: Three oh three seven one three a two five five. Hey, everybody,
Speaker 5: just forget any of that ever happened.
Speaker 2: Let's keep it at that. It's very simple.
Speaker 5: It's the only show if it's kind'er here to solve problems,
Speaker 5: answer questions, take complaints.
Speaker 2: Say it with me. We want to make your life
Speaker 2: just a little bit better.
Speaker 5: Three zero three seven one three eight two five five
Speaker 5: that's a telephone number three oh three, Martino, you've been
Speaker 5: ripped off taking advantage of check this out over three
Speaker 5: hundred million dollars in cash, merchandise exchanges refunds directly due
Speaker 5: to this show in studio with me today.
Speaker 2: You ready for.
Speaker 5: This guy's Compass Insurance Brian Burns. Brian, it's great seeing
Speaker 5: you man. I haven't I guess, I guess we've seen
Speaker 5: each other in the past four weeks. So actually, is
Speaker 5: that about right somewhere around there? Yeah, that's about right.
Speaker 2: And who's this?
Speaker 4: Uh?
Speaker 2: Who is this person next to you, sir?
Speaker 6: This next to me is my son, Riley Burns.
Speaker 2: I love it. And he's been with the company Compass
Speaker 2: for a couple of years.
Speaker 6: A couple of years. He's been working on the renewal team,
Speaker 6: so he deals with all the people that are coming
Speaker 6: up renewal has to reach out to them and look
Speaker 6: at other options. So, uh, he's been doing that and
Speaker 6: now is kind of stepping out and becoming a producer.
Speaker 5: So that's part of when we think of an insurance
Speaker 5: agency like yourself.
Speaker 2: Unlike companies at whole.
Speaker 5: People hostage like State Farm all State, they only sell
Speaker 5: their own product. You guys actually sell you know, thirty
Speaker 5: different lines depending on if it's commercial or homeowners or whatever,
Speaker 5: and you go out. So when you say the renewal division,
Speaker 5: what Riley's been doing is every year you guys reach
Speaker 5: out to me and say, hey, Mark, what you have
Speaker 5: right now for car insurance is still probably the best,
Speaker 5: but homeowners, we found you a little better deal, and
Speaker 5: we might switch around.
Speaker 6: Yeah, and I and right would probably speak to this
Speaker 6: even better than me. But usually you try to keep
Speaker 6: the auto and home together in most cases, if that
Speaker 6: makes sense, yeah, just because they give you such a
Speaker 6: discount for having together. But that's not always the case.
Speaker 6: There are definitely times, especially in this market, where companies
Speaker 6: don't really want the home insurance, so you just have
Speaker 6: to kind of piece mail it and figure out what
Speaker 6: the best overall option is.
Speaker 5: How many times I'm thinking, I've done business with you
Speaker 5: guys for at least fifteen years, yep, so, and I'm
Speaker 5: thinking of how many times we switch some of the
Speaker 5: big things, and people think about this out there. One
Speaker 5: of the biggest ones is when our teenagers turned sixteen,
Speaker 5: you immediately switched us from I don't remember who we
Speaker 5: were with, but we ended up going with I think progressive.
Speaker 6: Yeah, yep, I think you're right. I think we went
Speaker 6: to progressive. And I'm trying to remember who it was
Speaker 6: we were with before that too, But you're right. I
Speaker 6: would say there's a few different areas where it's like
Speaker 6: the optimal time to shop if you're out there, and
Speaker 6: it is, having young drivers come on is probably number one,
Speaker 6: just because the cost. We'll have companies where we put
Speaker 6: the same information in and it could be a range
Speaker 6: of one hundred percent higher in one company than another. Wow,
Speaker 6: it can be double double the rate. And so when
Speaker 6: people you know, are with the carrier and they add
Speaker 6: their young drivers on, that's the time they should, I
Speaker 6: mean chop around. If you're with us State farmer farmers
Speaker 6: are one of those that they're not gonna be able
Speaker 6: shop you. So that's the perfect time to you know,
Speaker 6: give us a call drivers.
Speaker 2: How about this sounds now? Speaking speaking of uh, speaking.
Speaker 4: Of insurance, let's go to the mic. First on the
Speaker 4: car wreck, we have John Fuller standing by for him
Speaker 4: and then sorry for the technical.
Speaker 2: We don't have any of those people uptown.
Speaker 4: Oh I'm sorry, I thought, Oh that's that's uh yeah, okay,
Speaker 4: it said we did.
Speaker 2: Yeah, I'm sorry, working on it to get it back up.
Speaker 2: Who was online one? Kelly? What's the name. Well, let's
Speaker 2: just go to line one.
Speaker 7: No hold on, Hold on, hold on. I need to
Speaker 7: get another attorney on. We have this scheduled. I apologize.
Speaker 7: I had to kind of reboot the computer.
Speaker 2: That's fine, I'll get it. We'll get him on hold.
Speaker 4: He was just just give us, anybody, just just give
Speaker 4: us whoever's there.
Speaker 2: Well, that's it, it's us, buddy. Okay. Well, anyway, so, Brian,
Speaker 2: this is a good one.
Speaker 4: Somebody wants to know about business interruption insurance. Yes, and
Speaker 4: they want to know when does that kick in? Somebody
Speaker 4: was having a problem collecting it. They didn't say what
Speaker 4: it was from, so I don't know if it's from whatever.
Speaker 4: But when does business interruption? We should explain that Compass
Speaker 4: Insurance Group does residential home, you know, auto and that
Speaker 4: kind of stuff, but you also do business insurance. And
Speaker 4: there are different kinds of lines for business like liability
Speaker 4: if you have a business you hurt somebody, or do
Speaker 4: you have errors and emissions as well? Yep, yep, okay,
Speaker 4: So what's business interruption insurance?
Speaker 6: So, and with your first question was like how long
Speaker 6: does it take to it, you know, kicks in. So
Speaker 6: what that is if your business there's a fire in
Speaker 6: your in your restaurants and you no longer can have
Speaker 6: customers coming in, that would be your business interruption insurance
Speaker 6: that would step in and cover you with that point,
Speaker 6: And as far as the deductibles if you want to
Speaker 6: use that word, would be a period of time, So
Speaker 6: you purchase what period of time you want. It could
Speaker 6: be a month, thirty days, it could be sixty days.
Speaker 2: So yeah, but what's the events?
Speaker 4: What are the events that are allowed to kick it in?
Speaker 4: In other words, you know, it can't be a bad rainstorm,
Speaker 4: I mean, what is it?
Speaker 2: Right?
Speaker 6: Yeah? No, I mean, like I said, fire would be
Speaker 6: one water damage. If you think about casualty losses when
Speaker 6: when those things occur, those are the ones that would
Speaker 6: come to mind most frequently. And again it depends on
Speaker 6: the kind of business. What would be a more common loss.
Speaker 6: But for a restaurant, fire is a very common loss
Speaker 6: because there's kitchen fires and then they're knocked out of it.
Speaker 6: But and then they actually have to you know, kick
Speaker 6: in their business interruption insurance to be able to cover
Speaker 6: them during that time.
Speaker 4: So even after the loss occurs, not the loss, the interruption.
Speaker 2: There's a certain waiting period.
Speaker 6: Yes, yeah, it's whatever you chose to purchase whenever you
Speaker 6: get the policy. Obviously, the longer period of time, the
Speaker 6: less expensive the insurance. So it's the equivalent of a deductible,
Speaker 6: just like people have a higher deductible for their homes.
Speaker 6: It's a matter of tolerance as far as what they choose.
Speaker 4: Now, I remember during COVID a lot of people were
Speaker 4: upset that their business interruption insurance excluded pandemics.
Speaker 6: Yeah, yep.
Speaker 2: One and terrorist attacks.
Speaker 6: Yeah, and terrorist attacks, and you'll see that. You know,
Speaker 6: there are companies where you can buy you know, writers
Speaker 6: for that type of coverage, but it's pretty expensive to
Speaker 6: go that route.
Speaker 5: But when these guys like in where was it, New Orleans?
Speaker 5: That guy rolled over and killed all those people on
Speaker 5: Bourbon Street with this vehicle. They said that was a
Speaker 5: terrorist attack. Does that mean the insurance wouldn't pay out, like,
Speaker 5: for example, life insurance policy if you were killed by.
Speaker 6: That management point yeah. No, Life insurance doesn't point mark.
Speaker 2: They can call anything anything.
Speaker 6: Yeah. Life insurance doesn't have those same kind of exclusions.
Speaker 6: It's a much more broad coverage, but things like business
Speaker 6: interruption in that sense. Let's say they shut down Bourbon
Speaker 6: Street and you didn't have any customers coming in again,
Speaker 6: it was for a short period of time, but that
Speaker 6: terrorist attack would. If your policy doesn't cover the peril
Speaker 6: of terrorism, then they could they could exclude that.
Speaker 2: Got it? Okay? All right? Three oh three seven one
Speaker 2: three talk three oh three, seven to three, eight two,
Speaker 2: five to five. Dustin your turn? What's going on with you? Dustin?
Speaker 8: So I've been going through a terrible custody and disillusion
Speaker 8: of marriage battle for two years a little actually longer
Speaker 8: than that.
Speaker 9: When it all first started.
Speaker 8: Uh, I just found out a whole plethora of lies
Speaker 8: that I was told. I didn't know what she was making.
Speaker 4: Now, Dustin, when did this? Here's what I have to
Speaker 4: ask you, though, sir. When did it all start? When
Speaker 4: did you file for divorce?
Speaker 9: Twenty two?
Speaker 2: Okay?
Speaker 4: And what what was it ever adjudicated? Did you get
Speaker 4: a final decree?
Speaker 10: Yes?
Speaker 8: So I was getting my son five days a week
Speaker 8: with my ex wife to have him on the weekends.
Speaker 8: That was supposed to be in September first of twenty
Speaker 8: twenty two.
Speaker 11: My ex wife never followed the court order and instead
Speaker 11: the day after the hearings, he filed a bunch of
Speaker 11: false allegations in different counties on me, allegations of sexual assault.
Speaker 10: I mean, you name it.
Speaker 8: Whatever do you want to make us?
Speaker 2: Was this okay?
Speaker 4: So wait wait wait, So after the final decree and
Speaker 4: after the child care plan for certain visitation, your wife
Speaker 4: then tried to take that away.
Speaker 8: Yeah, she just kept him. He never turned him over.
Speaker 8: She was actually supposed to pay five hundred I get it.
Speaker 2: How long?
Speaker 4: Okay, So the divorce was final on a certain date,
Speaker 4: and she never ever ever complied with visitation. Correct, even
Speaker 4: though you're telling me that the final decree and the
Speaker 4: parenting plan called for certain visitation.
Speaker 10: Correct.
Speaker 8: And I'll think it one step further. We finally got
Speaker 8: before a judge about six about five months ago, and
Speaker 8: addressed the court with her non compliance with the court order,
Speaker 8: and the judge asked her to bring my son to
Speaker 8: the court, whereas the next day I was given him
Speaker 8: in full custody. She was only allowed two hours of
Speaker 8: supervision time per week. After the third visit, she tried
Speaker 8: to false report that I had broken a protection order.
Speaker 8: She's got other false allegations against him.
Speaker 2: So wait a minute.
Speaker 4: So way you should have led with that, Dustin. You
Speaker 4: were given full custody. She was the one given, she
Speaker 4: was the one given visitation, and now she's trying to do.
Speaker 4: What is she trying to take away your custody? Or
Speaker 4: does she want to go back to joint or what
Speaker 4: is she trying to do?
Speaker 8: She's trying to destroy my life. Ultimately, that's all she's
Speaker 8: trying to do.
Speaker 4: I don't okay, but I need to know this. What
Speaker 4: is her end goal? Hold on, I get it, I
Speaker 4: get it, Dustin. That's everyone's goal in the divorce to
Speaker 4: destroy each other and let the kids suffer and be victims.
Speaker 4: That's everyone's goal. It shouldn't be, but unfortunately it is.
Speaker 4: So what I want to know is this, now that
Speaker 4: your wife is your ex is going after you, where
Speaker 4: is the child?
Speaker 2: Do you still have full custody?
Speaker 10: Yeah?
Speaker 8: He's been with me since November thirteenth. I have him
Speaker 8: every single.
Speaker 9: Day, all day long.
Speaker 8: Yep.
Speaker 2: Okay.
Speaker 4: Now what kind of proof or evidence is she presenting
Speaker 4: for her accusations?
Speaker 8: Nothing? Literally nothing, it's all hearsay evidence. It's all verbal
Speaker 8: she's provided, like, okay, and what are the.
Speaker 4: How did she actually did she actually file these in court.
Speaker 10: Yes, I've been.
Speaker 8: There's been fifteen cases brought against me in court on allegations.
Speaker 8: That's been eleven days in jail for faith, fake out gas.
Speaker 8: To only have fifteen cases dismissed, it's great, it's crazy.
Speaker 4: Yes, give me an example of an accusation that landed
Speaker 4: you in jail.
Speaker 8: County, Yes, sir. At Denver County, she claimed that I
Speaker 8: had sexually molested my son, who was three years old
Speaker 8: at the time that I had that my son was
Speaker 8: a product of rapes, even though we were married, and
Speaker 8: that never happened during the time we were married as well,
Speaker 8: and my son was conceived. I was actually on probation,
Speaker 8: and man, there's a lot of details of the story, but.
Speaker 2: Yeah, like a let me ask you this.
Speaker 4: Were you on Were you on probation for sexual of
Speaker 4: any kind?
Speaker 2: Sexual charges of any kind?
Speaker 10: Yes?
Speaker 8: An online Internet of sense that she was fully aware of.
Speaker 2: Hold on the online? Was it with the youngsters?
Speaker 10: It was?
Speaker 2: Hold on, We'll.
Speaker 8: Come twenty twelve and I'm coming.
Speaker 2: Hold on, hold on, bro hold on, We'll come right
Speaker 2: back to you. I'm Tom Martino three oh three seven
Speaker 2: one three eight two five five.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance. Paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your.
Speaker 2: Home with Remax Alliance.
Speaker 4: Three oh three nine two zero sixteen twenty two.
Speaker 2: Hey, I'm Tom Martino. Three oh three seven one three
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Speaker 4: seven one three eight two five five. Okay, let's go
Speaker 4: back to the phones. We were trying to get an
Speaker 4: attorney to answer this Dustin. But I will say this, Okay,
Speaker 4: I did.
Speaker 2: I need to ask some basic questions.
Speaker 4: Basically, what you're saying is she keeps making accusations. The
Speaker 4: courts are used to this, Okay, they're used to this.
Speaker 4: Now you say all fifteen charges. She brought up fifteen
Speaker 4: charges and all were dismissed.
Speaker 2: Is that right?
Speaker 12: Yes, sir?
Speaker 2: Okay, So don't the courts go ahead? What did you say?
Speaker 8: There was a CPS report found that my son was
Speaker 8: being coached.
Speaker 10: To say things, and.
Speaker 2: I get it.
Speaker 4: So now now isn't it solved? Then you had hold on,
Speaker 4: isn't it solved? You had all fifteen discharged or dismissed, And.
Speaker 2: I mean, isn't it done currently?
Speaker 8: So currently, sir, I am facing one more false allegation
Speaker 8: of harassments, which is all calls that I had left
Speaker 8: as a record to just stay involved and connected to
Speaker 8: my son. And he also goes through the Talking Parents app.
Speaker 8: But her and her husband run a nonprofit legal service
Speaker 8: and they're they're they're just they're just on this like
Speaker 8: judicial attack. They're weaponizing the justices that it's been sett
Speaker 8: in court.
Speaker 4: So here's what I want to know, justin so right now,
Speaker 4: all the stuff you told us is behind you and
Speaker 4: the only thing going on now, And I don't mean
Speaker 4: it's I don't mean to sound like it's a walk
Speaker 4: in the park, but the only thing going on now
Speaker 4: is basically now they're going after you for harassment.
Speaker 8: And they're also suing me in the federal court for
Speaker 8: ten million dollars and also two other.
Speaker 4: Wait wait, why are they suing you for ten million dollars?
Speaker 8: They claim libel and slander because in court, under testimony
Speaker 8: or under oath, I said that I was I knew
Speaker 8: of her husband to have a violent history, which the
Speaker 8: judge agreed with me. That is literally it. That is
Speaker 8: literally it.
Speaker 2: Well then that would be thrown out, man, I would imagine.
Speaker 8: But I mean, I've been going to court for two
Speaker 8: years plus on this and I don't know where the
Speaker 8: justice is going to come and where the accountability.
Speaker 4: So what are you calling about? What are you calling
Speaker 4: about today? Dustin? It's pretty obvious we're not going to
Speaker 4: solve your problem. What are you calling about?
Speaker 8: Ultimately, I'm just looking for help. I mean, I'm looking
Speaker 8: for a solution, a wait, to prevent this harassment on
Speaker 8: me and my son.
Speaker 13: That's it.
Speaker 2: There's no way. There's no way. There's no way. All right.
Speaker 4: They're saying you're the one harassing. You're gonna have to
Speaker 4: let it play through the courts. Man, I wish I
Speaker 4: had better better answer for you, But truly, I don't
Speaker 4: anyone anybody can use the court systems now. If it's
Speaker 4: turns out she's abuse and abusive service and all or abusive.
Speaker 2: Uh, I don't know what they.
Speaker 4: Call it, but whatever it is, that'll be up to
Speaker 4: the judge. Dustin, this is terrible. Can you afford an attorney?
Speaker 8: Not really?
Speaker 13: But I have been.
Speaker 4: Now this ten million dollar lawsuit? Does it have any legs?
Speaker 2: I mean seriously, not legitimately.
Speaker 4: No, I'm not asking if you agree I it does.
Speaker 4: I'm asking you if she has any kind Did you
Speaker 4: make certain statements?
Speaker 2: Did it cause them damage? I have watched the straight
Speaker 2: Have you hired Have you hired an attorney yet?
Speaker 13: Yeah?
Speaker 8: I've had one throughout the majority of this process and
Speaker 8: some of the stuff he's done for me pro.
Speaker 9: Bono, but it's been hard to keep up with payments.
Speaker 2: Well, well, it sounds like he's doing pretty good.
Speaker 5: If the fifteen different things he came after you so far,
Speaker 5: there's only one hanging out there and the rest went away.
Speaker 14: Yeah, yeah, he is.
Speaker 8: I'm just I don't know, man. I reached out because
Speaker 8: it's desperation time, you know, like he's suing my son's principles.
Speaker 8: She's doing obviously said you can use the justice of anybody.
Speaker 2: They're nuts. They sound like they're nuts.
Speaker 13: They are.
Speaker 2: What is he what is he suing? What is he
Speaker 2: suing the Sun's principle for? What is he saying? A
Speaker 2: careful what you say over the air too, brother? Yeah?
Speaker 2: What is he suing for the principle?
Speaker 8: For their upholding the court order of custody?
Speaker 2: Okay, because they were not letting him go.
Speaker 8: Yeah, he's not supposed to. You know, she only gets
Speaker 8: two hours supervised contact.
Speaker 4: So all right, listen, I feel for you, man, Dustin,
Speaker 4: I feel for you. I don't know what else to say.
Speaker 4: I mean, so you just gotta battle this out. Divorces
Speaker 4: are destructive. They're destructive. Most people, like I said, do
Speaker 4: false accusations. They don't care about their kids. Their number
Speaker 4: one goal is to destroy the other. And it's a sad,
Speaker 4: sad state of events.
Speaker 2: Three oh three seven one three talk seven one three
Speaker 2: E two five five Frank Durand the real estate Man.
Speaker 2: He gives information free of charge.
Speaker 4: Call him, ask him what your house will sell for,
Speaker 4: what it looks like compared to the marketplace, what you
Speaker 4: will net.
Speaker 2: He'll go through every detail. It's almost it's actually better
Speaker 2: than their appraisal because he uses actual sales figures and
Speaker 2: it's complimentary. Frank Duran the real Estate Man dot Com.
Speaker 2: No obligation three oh three nine two zero sixteen twenty two.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot Com. Pay a cent until you're content. Wait time
Speaker 4: for an insurance checkup free, no obligation. In comparison, call
Speaker 4: Compass Insurance. Paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank Durand the real Estate Man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Archino, your
Speaker 4: troubleshooter three oh three seven to one three talk three
Speaker 4: oh three seven one three eight two five five. All right,
Speaker 4: so let's continue here on the show with uh Mary Ann,
Speaker 4: who has an.
Speaker 2: Issue with trash pickup. And speaking of trash, we got
Speaker 2: Dmitry in the house. Now that didn't sound right. Oh no,
Speaker 2: that did not sound right. Thanks Tom, But I want
Speaker 2: what Deputy d his other life. In his other life,
Speaker 2: Deputy DS, I'm in garbage. I'll be the first to
Speaker 2: admit recycling. You're in garbage? Yeah, is it?
Speaker 12: Well?
Speaker 4: Wait, just like remember in the graduates, Remember in the graduates,
Speaker 4: I got one word for you plastics.
Speaker 2: Yeah.
Speaker 4: Anyway, So now mid Dmitri at a wedding reception with
Speaker 4: Sego one word for you garbage, garbage.
Speaker 2: I'll tell you anyway, Marianne, what's going on?
Speaker 4: Dmitri is familiar with the recycling and trash business.
Speaker 2: So what's going on, Marianne.
Speaker 15: Well, we received I live in a condominium complex. We
Speaker 15: received notification at the beginning of February that we were
Speaker 15: changing trash vendors and the new vendor was going to
Speaker 15: be waste Connections. Well, they it came on the property
Speaker 15: around February sixth. They delivered some containers, some garbage bins,
Speaker 15: not all of them, and we have not seen them since.
Speaker 15: So we've had no garbage pickup since.
Speaker 4: Wait, so and so the other one was discontinuing and
Speaker 4: the new one was taking over.
Speaker 2: Correct And is this a subdivision on.
Speaker 15: The property since they delivered some garbage bins, we have
Speaker 15: four parking lots.
Speaker 4: Is this an apartment complex, a condo complex, a housing housing.
Speaker 15: Some condo complex, and.
Speaker 2: So they have dumpsters that you all use.
Speaker 15: They Well, the new garbage company, Waste Connections, brought some
Speaker 15: new garbage bins on the property, right, but they have
Speaker 15: not emptied any of the garbage since the beginning of February.
Speaker 2: Well, what is the HOA or the management company say.
Speaker 15: They have been. They have been in touch with Waste
Speaker 15: Connections too, and when not getting any response, I called
Speaker 15: JES today Waste Connections and all customer service was telling me, Oh,
Speaker 15: they've been on the property. They've been on the property.
Speaker 15: No one has been on the property. We've got trash
Speaker 15: all over the place.
Speaker 2: Now, how does it work?
Speaker 4: Do you put out your own bins or are they
Speaker 4: centralized bins?
Speaker 15: No, they belong to the waste connection.
Speaker 2: So it's a big dumpster. I know they belong to them.
Speaker 4: But does each condo have its own bins or how
Speaker 4: does it work? Or do you have a central bin
Speaker 4: or several central big bins.
Speaker 15: We have several central bins, got it on the property,
Speaker 15: and everybody dumps their garbage in these bins and this
Speaker 15: folks got it empty three times a week.
Speaker 2: Well, I mean, this isn't surgery.
Speaker 5: You got to call up and figure out why they're
Speaker 5: not picking it up, right, I mean, it is a
Speaker 5: bill being paid.
Speaker 15: Well if we just signed the contract, so we haven't
Speaker 15: really had a bill yet.
Speaker 2: Okay, let's have Deputy d call over there right now. Yeah, Tom,
Speaker 2: I'll be happy to.
Speaker 16: I know a guy over there, so uh, I'll talk
Speaker 16: to Mary Anne get hurt.
Speaker 2: The trash biz. You know a guy in the trash
Speaker 2: Mikey the Shoe.
Speaker 16: So uh, let me get him a call and uh
Speaker 16: find out what's going on. It sounds like Marianne's complex,
Speaker 16: not the dumpsters, but they haven't started.
Speaker 4: See if you're talking to trash business, it's not Mikey
Speaker 4: the Shoe, it's Dino the disposer. Come on, that's the
Speaker 4: laws a disposer anyway. Three h three seven one three
Speaker 4: talk seven one three eight two five five. Now Shannon
Speaker 4: as a special president. I want to see if this
Speaker 4: is going to work, because it's never worked. It hasn't
Speaker 4: worked since my new setup. I'm gonna try it.
Speaker 2: Hold on, see if you can hear something here like
Speaker 2: my dad? Wait, my dinger? No, don't you do yours?
Speaker 2: Do mine? I just heard it?
Speaker 4: Listen, did you hear Did you hear my dinger? Just
Speaker 4: let me know yes or no?
Speaker 2: Yes? Guys? Did you? Okay? I could barely hear it,
Speaker 2: barely see it, but yes. I don't know why it's
Speaker 2: so low, but okay, well, thank you.
Speaker 4: At least I have an idea that my dinger is working,
Speaker 4: because there was some doubt about that. Three oh three
Speaker 4: seven one three eight two five five eight eight eight
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Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free no obligation comparison call
Speaker 4: compass insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino here
Speaker 4: three O three seven one three talk seven one three
Speaker 4: A two five five. Hey, how can we help you?
Speaker 4: We want to do that each and every day. That's
Speaker 4: what we do here, and so we're gonna go to
Speaker 4: the phones. Brian Burns is with us from Compass Insurance Group.
Speaker 4: And when they are here, by the way, we do
Speaker 4: these uh live insurance checkoffs, meaning you called, they're not live,
Speaker 4: they're live updates.
Speaker 2: They do them every day. But if you want to call.
Speaker 4: Three or three nine nine six nine thousand right now
Speaker 4: and ask for an insurance check up, what they do
Speaker 4: is go over your coverages, what you have and let
Speaker 4: you know if you're covered adequately or maybe you're paying
Speaker 4: for too much coverage or not enough, and how much
Speaker 4: you're paying, is it too much or is it a
Speaker 4: great deal. It's a total, one honest assessment of what
Speaker 4: you have. Three h three nine niney sixty nine thousand.
Speaker 4: Then what we're gonna do is We're gonna check back
Speaker 4: with Brian from time to time on those Mary Anne
Speaker 4: with this trash pickup, I have a very easy I'm sorry.
Speaker 4: We're gonna give it to Deputy D to call over there.
Speaker 4: I don't want to go back to her right now.
Speaker 4: I'm gonna wait for d.
Speaker 2: Jake. What's going on with you, Jake?
Speaker 9: I'm calling in here suggesting by my father. Apparently you're
Speaker 9: pretty good with the next steps and ideas on stuff
Speaker 9: on your No.
Speaker 2: Okay, what's going on with what's going on with your dad?
Speaker 13: Jake?
Speaker 2: What's going on?
Speaker 9: He was that suggested?
Speaker 2: It?
Speaker 9: Problems actually with my mom? Yeah, Mom got sold a
Speaker 9: car by the Mercedes Benz of Denver Folks, and I think, man,
Speaker 9: it's hard to know what to do next.
Speaker 4: All right, let's let's talk about this. Is this about
Speaker 4: purchase or service.
Speaker 10: Purchase?
Speaker 9: And so she was sold a car in November. This
Speaker 9: was a twenty twelve Sedan and.
Speaker 2: She's okay, was it was it a Was it a Mercedes?
Speaker 9: Nope, it was just a used vehicle. It was a
Speaker 9: It was a Nissan.
Speaker 2: Versa, Okay.
Speaker 4: So she bought a Nissan Versa, a twenty twelve in November,
Speaker 4: you said yep and okay.
Speaker 9: And what happened on the highway. She didn't get it
Speaker 9: evaluated by any third party. I think that these were
Speaker 9: both mistakes. She drove it off the lot and a
Speaker 9: couple of days later she was in the highway, rattled
Speaker 9: so bad it scared her half to death. She took
Speaker 9: it in to get it looked at. Andy. It was
Speaker 9: like three to four thousand dollars worth of safety repairs
Speaker 9: on top of this five thousand dollars she spent on.
Speaker 4: It, So she only spent five grand on it. How
Speaker 4: many miles were on it?
Speaker 9: Take one hundred and fifty or so. I think I'm
Speaker 9: pretty sure it was pretty similar for both vehicles to
Speaker 9: the level.
Speaker 2: Why didn't she Why don't you think?
Speaker 4: Why don't you think she got it checked out? With
Speaker 4: one hundred and fifty thousand miles on it?
Speaker 9: She trusted them and they said that their mechanics had
Speaker 9: checked it out and they said it was okay and
Speaker 9: was safe to drive.
Speaker 4: And did they put that on the invoice, that it
Speaker 4: was okay and safe.
Speaker 9: I'll have to check with her on that, but from
Speaker 9: from my understanding of her walking away from that, they
Speaker 9: had assured her updown left right in the center. But
Speaker 9: I say it was no good.
Speaker 4: They assured her of nothing. Jake, Here's what the contract
Speaker 4: said as is. Okay, I'm just going to tell you
Speaker 4: because I do this, I do this thousands of times
Speaker 4: a year. First, I give you the good the bad news.
Speaker 4: Then we try to find some good news in this
Speaker 4: to help you. But the bad news is it's the
Speaker 4: used car. And unless now listen carefully to what I say,
Speaker 4: to which most consumers say yes they did. Unless they
Speaker 4: lied to you, cheated you, or frauded you, there's nothing
Speaker 4: you can do about it. But with an as is purchase,
Speaker 4: they can't lie or cheat, or cover up or be fraudulent. Okay,
Speaker 4: Now that doesn't mean listen carefully. They don't have to
Speaker 4: tell you everything wrong with the car. Go with a
Speaker 4: sure thing Denver's Best roofer Excel roofing dot com. You
Speaker 4: don't pay a cent until you're content. Time for an
Speaker 4: insurance checkup free, no obligation. In comparison, call Compass insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out now three all three seven to seven to
Speaker 4: one help You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate man dot Com to
Speaker 4: list your home with Remax Alliance three nine two zero
Speaker 4: sixteen twenty two.
Speaker 10: Yeah, ripped up.
Speaker 7: News needed.
Speaker 1: That's who you don't have.
Speaker 14: Come running just as fast as we can.
Speaker 9: Show.
Speaker 2: Shooter's gonna help coming Man Dix. He is the Troubleshooter Show.
Speaker 2: Now Tom Martine. Hey, I'm Tom Martino. You're Troubleshooter. Welcome
Speaker 2: to the show.
Speaker 4: Three all three seven one three talk three all three
Speaker 4: seven one three eight two five five. Here to help you.
Speaker 4: We try to help you each and every day. The
Speaker 4: things that tick you off, the things that make you tick.
Speaker 4: This hour brought to you by Dan McKenzie. Dan McKenzie
Speaker 4: is an estate planning attorney and I know him, We've
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Speaker 4: and let's talk about your life.
Speaker 2: Now.
Speaker 4: We left off with the guy, and I don't blame
Speaker 4: him for being upset. Listen, everyone is upset when they
Speaker 4: buy a car and that falls apart. And this is
Speaker 4: what happened with Jake. I want, I want, I just
Speaker 4: want to say this in a.
Speaker 12: Set.
Speaker 4: He's setting this up to where they are either liars
Speaker 4: or cheaters or dodgers or something, because here's what he said.
Speaker 4: They are shorter of this if if them started had
Speaker 4: serious safety issues and then he spoke to the other,
Speaker 4: but before where he could speak to him, they dodged him. Okay,
Speaker 4: now listen, all of that might be true. So far,
Speaker 4: they've done nothing wrong so far. This dealer sold her
Speaker 4: a used car as is with one hundred and fifty
Speaker 4: thousand miles on it, and she bought it and had trouble. Now,
Speaker 4: what they can't do is liar cheat. I don't think
Speaker 4: they did. I want to cut right to the chase.
Speaker 4: One of the only strategies, Jake, that I see that
Speaker 4: you have that will work.
Speaker 2: Is even under the law. Mark helped me out on
Speaker 2: this because I know, just to catch.
Speaker 5: Everybody up, though, how long did your mom have it
Speaker 5: before finding out this five thousand dollars vehicle needed seven
Speaker 5: grand worth of work?
Speaker 2: Was it like a day?
Speaker 10: A month?
Speaker 2: How long was it.
Speaker 9: He was three to four thousand dollars for repairs? And
Speaker 9: she only she only drove it like a day or
Speaker 9: two off the off the lot for she realized it rattled,
Speaker 9: and she took it in like that week afterwards.
Speaker 2: I think I think it's you understand.
Speaker 4: You understand she could have testro that before she did
Speaker 4: all of this and then taken it to him.
Speaker 2: So we got to start out on the right foot.
Speaker 2: And that is this, Jake.
Speaker 4: You don't have any special rights here that I know of,
Speaker 4: except Mark. This issue that we used to debate all
Speaker 4: the time in Colorado. Even when you buy a car
Speaker 4: as is.
Speaker 2: There must be certain working safety issues.
Speaker 4: Okay, so our safety equipment I'd like to know. When
Speaker 4: he said safety. What are you calling safety issues.
Speaker 9: I've got a couple of pictures of something. I can
Speaker 9: pull those up.
Speaker 2: I don't need Yeah, I just need to tell because
Speaker 2: here's what safety is considered. Here's what safety is considered
Speaker 2: by law.
Speaker 4: The vehicle must have functioning breakes, turn signals, break lights, tires,
Speaker 4: a windshield, a wind shield. It must have tires, but
Speaker 4: they can be very bad tires. It must have a horn,
Speaker 4: it must have seat belts, and it must have a mirror.
Speaker 4: Unless your safety concerns fall into those categories, you're not
Speaker 4: going to get a system.
Speaker 14: Now.
Speaker 4: There is another thing. It has to pass emissions. So
Speaker 4: tell me the safety issues. Tell me the safety issues.
Speaker 9: The struts were so messed up that you know, it
Speaker 9: really impairs.
Speaker 4: That's not a safety that's not a safety issue.
Speaker 2: Okay, what else? What else? I'm trying to.
Speaker 4: Give you ammunition. I'm not trying to trick you. I
Speaker 4: want you to know that, Jack, I'm not Jake. I'm
Speaker 4: not trying to trick you. I'm trying to give you ammunition.
Speaker 4: Where's your ammunition. Let's let's talk about it, yep.
Speaker 9: I think the ones that come to mind are shock observers.
Speaker 9: The struts the mass airflow sensor is completely broken, and
Speaker 9: the two induction system is messed up.
Speaker 4: Plus not one of those things, Not one of those
Speaker 4: things is considered a vital safety issue.
Speaker 2: Not one of them. Now you can go try to
Speaker 2: change the law, but you're not going to that's not considered.
Speaker 2: That's not considered. I would love to do a test
Speaker 2: case on one of these and actually sue them.
Speaker 5: And I love the idea that this one's only five
Speaker 5: thousand bucks for this vehicle because it's under small claims.
Speaker 5: I think he, I really think you should have your
Speaker 5: mother sue him in small claims court.
Speaker 4: It's only going to cost under what under what under breach?
Speaker 4: Wait wait, wait, under breach of contractor what?
Speaker 5: I would actually draw out that those shocks in the
Speaker 5: struts in the housings are a true safety component with
Speaker 5: the steering. I would make those arguments. I don't know
Speaker 5: where it's going to go, so don't get me wrong,
Speaker 5: but I would love to actually test the theory because
Speaker 5: those laws have been around forever. But I can't think
Speaker 5: of anybody that's actually held a dealer's.
Speaker 2: Feet to the fire.
Speaker 4: He Jake Mark has a point, and that is because
Speaker 4: of the price of that car. You are in a
Speaker 4: unique position to sue them for breach of safety. Now
Speaker 4: it's an implied contract by law that it has to
Speaker 4: be safe.
Speaker 2: Now, in my opinion, you're going to lose.
Speaker 4: However, I think what will happen is this if you
Speaker 4: try to make the argument that the struts in the
Speaker 4: shocks are part of safety, and whatever you do, he
Speaker 4: doesn't even have to be legal ease. You just try
Speaker 4: to make the and your mom has to do this.
Speaker 4: Of course you can help her, but you can't be
Speaker 4: our counsel when you do this. What's probably going to
Speaker 4: happen is they're going to want to settle with you.
Speaker 2: That's what Mark is getting at. I believe what you get.
Speaker 2: Is that what you're getting.
Speaker 5: Yeah, but I think he might Okay, I'm going off
Speaker 5: of what he's saying. But if his mom brought this
Speaker 5: over to say Kevin Caulkin, and Kevin goes, yeah, these
Speaker 5: these strut towers, you know, these things could break. This
Speaker 5: thing's a danger. That is gonna be great. Plus I'm
Speaker 5: sure Kevin would show up as a witness and be
Speaker 5: an actual witness, So I.
Speaker 2: Think that would be great.
Speaker 5: But if they get over there and Honestly, we're talking
Speaker 5: about shocks that really just are old and it's gonna
Speaker 5: wear tires and stuff, but it's not dangerous. That's a
Speaker 5: little bit different. I think we need someone outside of
Speaker 5: him and his mother to say this thing's dangerous.
Speaker 4: Well, at least it's something to try, Jake, So I
Speaker 4: want you to do that. Call share It in Auto Tech.
Speaker 4: He'll do a courtisy check of this and give you
Speaker 4: an opinion. He'll give you an opinion on whether it's
Speaker 4: unsafe or not.
Speaker 5: Yeah, you bring it over to Kevin, have them look
Speaker 5: at it, then have them call me and him and
Speaker 5: I will talk and then let's let's all get together
Speaker 5: in pow Wow and figure.
Speaker 2: Out how to go forward. But it's only going to
Speaker 2: cost her fifty bucks.
Speaker 5: And I think it's a great test because I'll tell
Speaker 5: you what if Mercedes bens of day, if there is
Speaker 5: a safety issue and they don't want to make it right,
Speaker 5: I'll sit here every damn day and make sure people
Speaker 5: know that they lost in court when they actually were
Speaker 5: trying to fight a bad car they sold.
Speaker 2: So, uh, Jake, you know what to do right.
Speaker 4: Number One, get a courtesy inspection from shared An Auto Tech.
Speaker 4: Three oh three, four five five, seventy two, forty two.
Speaker 4: And then I want you to have him talk to
Speaker 4: Mark and tell him we're trying to make a case
Speaker 4: that the car is unsafety drive. Okay, then stay in
Speaker 4: touch with us, yeah, okay. Three oh three seven one
Speaker 4: three talk seven one three eight two five five Kelly,
Speaker 4: make sure I get home the info. By the way,
Speaker 4: renew Home Innovations the most beautiful shower conversions I have
Speaker 4: ever seen. Really now, porcelain, Mark, I think you have
Speaker 4: porcelain in your shower, right, isn't that what I was
Speaker 4: oohing aweing about the other day when you showed me
Speaker 4: that shower that.
Speaker 2: Arsteve, I do believe. I don't think, man, I honest
Speaker 2: to God, one of them you Mark.
Speaker 4: I think Sue said it was porcelain. But here's the deal.
Speaker 4: Porcelain is the most beautiful. And they make sheet porcelain
Speaker 4: at renew home innovations dot Com. They use sheet porcelain
Speaker 4: with no you don't need any groud or any grout
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Speaker 4: Seventy two months to pay beautiful stuff and great prices.
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Speaker 4: Renew Home Innovations dot com three oh three nine or
Speaker 4: A four two thousand Go with a sure thing Denver's
Speaker 4: best roofer Excel Roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance comps find out now
Speaker 4: three all three seven seven to one.
Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, you're a troubleshooter. I
Speaker 4: got to figure out how to rotate my video source
Speaker 4: storing the break. I was playing a video for my
Speaker 4: YouTube morons. Hey three all three seven on three talks
Speaker 4: seven on three eight two five five with Brian Burns
Speaker 4: with us from Compass Insurance Group.
Speaker 2: Wait a minute, why is that on? I didn't do that?
Speaker 4: Is that you?
Speaker 2: Are you screwing with me? Shannon?
Speaker 4: It's not making us pretty soon Okay, pretty soon, I'm
Speaker 4: gonna be like lodging formal complaints. Now here to for
Speaker 4: it's been Oh I've been talking about it, but I'm
Speaker 4: gonna be talking formal complaints. And it's gonna be uh
Speaker 4: making fun or whatever you're doing in danger during.
Speaker 2: Some a person.
Speaker 4: I'm gonna call myself a person at risk because I'm
Speaker 4: over sixty five. I'm a person at I'm a person
Speaker 4: at risk. Uh, Don you wanted to say something, go ahead, don.
Speaker 10: Sorry? Yeah, Hi, Tommy.
Speaker 13: I wanted to give a quick shout out to.
Speaker 10: Euro Plumbing.
Speaker 9: They came in yesterday to one man for me.
Speaker 4: Yeah, yeah, Mark, euro Plumbing still around, right, don't we
Speaker 4: have him on a referral lest he'll probably be back.
Speaker 5: We'll be doing probably spots for him in another couple
Speaker 5: of months. Hey, don, how would he charge you?
Speaker 10: They turned you twenty one hundred. But I got a
Speaker 10: I'm got a real old building, so they had to
Speaker 10: do some.
Speaker 2: Oh nice commercially. Wait wait, that's a that that's that's
Speaker 2: not a lot of money at all. Man. Yeah, for
Speaker 2: a commercial, that's a great deal.
Speaker 10: No, it's it's not a commercial, it's a residential.
Speaker 12: But he had to do some extra stuff.
Speaker 5: Okay, they did, so I have two fifty gallons in
Speaker 5: my house time. So when they came out to mind
Speaker 5: last year, here's what I did. I did one of
Speaker 5: the fifty gallons. I replaced both. I did it a
Speaker 5: very high recovery system, so that one costs more than
Speaker 5: the average. Then the secondary that I only fire up
Speaker 5: if like we've got a bunch of people over and
Speaker 5: staying with us, like for Thanksgiving. I mean, that's about
Speaker 5: the only time I fired it up. But because the
Speaker 5: house had to, I went ahead and did too. But
Speaker 5: I got both of them, the high recovery and the
Speaker 5: other one, all installed for less than four grand. Oh
Speaker 5: my god, that's unbelievable.
Speaker 2: It is unbelievable. WHOA all right now?
Speaker 4: Uh, well, thank you, don We really do appreciate that
Speaker 4: you're a plumbing Colorado dot net. They're a great sponsor. Hey, Mark,
Speaker 4: you have a comment on annuities.
Speaker 2: Go ahead, Mark, Yeah, I just.
Speaker 13: Said a couple of comments. Tom the guy was saying
Speaker 13: that the well person could not lose any of his
Speaker 13: money that he put into this product was guaranteed for life.
Speaker 13: His income was guaranteed for life. He should also add
Speaker 13: or perhaps you should also add the guarantee is only
Speaker 13: as good as the insurance company or whatever company is
Speaker 13: selling the product. For example, several insurance companies have gone
Speaker 13: out of business as a mark for fires and mark.
Speaker 2: But to be fair, you're right, you're right.
Speaker 4: But to be fair, I looked up I think it
Speaker 4: was a couple of weeks ago when this came up.
Speaker 2: This came up before, and.
Speaker 4: The number of failures on actual annuities we're next to
Speaker 4: nothing like two or three in the last one hundred years.
Speaker 13: Oh boy, oh boy. I've seen quite different research.
Speaker 2: But in any event, Okay, I'm going to actually show
Speaker 2: you the research.
Speaker 4: I'm going to show you. I'm going to show you.
Speaker 4: I'm going to look it up. I have it, and
Speaker 4: I think listen, I'm not telling you you're you're wrong.
Speaker 4: You're right when you say the guarantee is based on
Speaker 4: the company.
Speaker 2: Oh my gosh, the.
Speaker 5: American dollars based on our army. So everything's based on something.
Speaker 5: To me, that's just a redimi mark. You can say
Speaker 5: that about any damn thing in the world. Mark, if
Speaker 5: I can finish. I was saying corporate bonds that are
Speaker 5: called guaranteed corporate bonds and municipal bonds are also contingent
Speaker 5: on the underlighting underwriting underwriter. There are no you know,
Speaker 5: insurance or fdi C or anything like that. So he's
Speaker 5: right in that respect. And and maybe people.
Speaker 4: Don't like when you say one guaranteed because technic it's not.
Speaker 4: I mean it's there is a possibility an insurance company
Speaker 4: can falter. And now remember all of these that he
Speaker 4: is dealing with, I know are one hundred years or older.
Speaker 4: And I'm not arguing with you that technically you're incorrect.
Speaker 4: You're not, but I don't think you have the number
Speaker 4: of failures properly. How many do you feel how many
Speaker 4: people or how many do you feel that actually had
Speaker 4: annuities that lost all of their money?
Speaker 13: Let's see, Tom, I'm not in my office right now,
Speaker 13: so I can't give you the results of that research.
Speaker 13: But let me just tell you that if I was
Speaker 13: an older hope and I put all my money into
Speaker 13: this product being guaranteed that it would be never lose
Speaker 13: a penny and be income for me for life, it
Speaker 13: only takes one failure to hurt my retirement.
Speaker 2: So I'm just called to first of all, Tom, you
Speaker 2: know more about this than I know First of all,
Speaker 2: I know listen, Mark, let me just say something here.
Speaker 2: I think I recognize Mark. I know Mark very well. Mark.
Speaker 2: Mark gave me.
Speaker 4: Mark is a very wealthy man, and he has given
Speaker 4: me advice over the years that I cannot deny, absolutely
Speaker 4: positively cannot deny. In fact, when I talked to him
Speaker 4: about my fund many years ago, he said, Tom, what
Speaker 4: you need is a company around it.
Speaker 13: Now.
Speaker 4: Funds are okay, but you really need a company when
Speaker 4: and that's when I started formalizing Waveight Wealth Management.
Speaker 2: It was him. It was him, And he knows this
Speaker 2: because I wrote to him and thanked him.
Speaker 4: And he says, you need an officer of a compliance officer,
Speaker 4: you need a president, you need a real organization.
Speaker 2: What you have is good, but what people want is
Speaker 2: a company they can deal with.
Speaker 4: And they want to know who's you know, the custodians
Speaker 4: of the money, and they want to know the strategies
Speaker 4: and a real company. So I can call and say, hey,
Speaker 4: can I speak to your CEO? Or can I speak
Speaker 4: to your investment officer? And but Mark, knowing, I just
Speaker 4: recognize your voice. Mark, I don't really think though a
Speaker 4: lot of.
Speaker 2: Them have failed on the fixed indextinuity side.
Speaker 5: I'm pretty sure the state at least Colorado also backs
Speaker 5: those accounts for you know, somewhere around five hundred thousand,
Speaker 5: similar to FDIC.
Speaker 6: But it's not nice.
Speaker 2: No, no, no, they're there's a state guaranteur of insurance companies.
Speaker 13: Go out, May I speak them on? Please?
Speaker 2: Yes, go ahead, sir?
Speaker 4: Okay.
Speaker 13: Number one, all I wanted to do was to have
Speaker 13: you or the person selling the products say that it
Speaker 13: is not and could never be one hundred percent guaranteed.
Speaker 13: And you've done that and you've confirmed that, and that's.
Speaker 2: All I want.
Speaker 13: On a number two, the state does not guarantee the annuities.
Speaker 4: Okay, now, mark one thing, one thing real quick, thank you.
Speaker 4: Hold on, they're not federally insured. There is something called
Speaker 4: listen carefully. The state guarantee association. Each state ensures these
Speaker 4: funds to cover policy holders. However, coverage limits range from
Speaker 4: two hundred and fifty thousand to five hundred max historical failures.
Speaker 4: While some insurance companies offering annuities have failed, most policy
Speaker 4: holders were not left completely empty handed. The state guarantee
Speaker 4: associations have typically ensured that annuity contract holders continue to
Speaker 4: receive benefits up to the coverage limits. Now, not the
Speaker 4: coverage they bought, but the coverage limits of the state.
Speaker 4: In some cases, larger insurance companies actually acquired failing companies
Speaker 4: policies and minimized any disruption whatsoever.
Speaker 2: Well, how's that possible?
Speaker 11: Mark?
Speaker 5: Mark just told us all in his infinite wisdom that
Speaker 5: they don't do that. So I'm confused, Tom, Mark Mark.
Speaker 2: What he said was, what.
Speaker 13: Is the infinite wisdom comment? That's a little distress.
Speaker 2: I don't understand Mark, Mark.
Speaker 17: Mark.
Speaker 2: I will tell you. He just came out. I will
Speaker 2: tell you this. Listen, just and hang on a bit.
Speaker 4: Just okay, Mark, you have no idea who you're talking to.
Speaker 4: You just came out and said the States Mark not
Speaker 4: guarant anything. That's exactly what he said.
Speaker 8: Mark.
Speaker 4: He doesn't have infinite wisdom, but he can buy and
Speaker 4: sell you six thousand.
Speaker 2: He can have money. Wrong on that, Tom, He was
Speaker 2: wrong on Mark, and he said it. Mark, If you
Speaker 2: shut up for a second, I can explain to you
Speaker 2: where he was not really wrong.
Speaker 4: Okay, he said, it's not Are you telling me that
Speaker 4: that they're one hundred percent guaranteed, because they're not.
Speaker 5: I said somewhere between one hundred thousand and maybe five
Speaker 5: hundred thousand is the exact numbers I gave. Okay, depending
Speaker 5: on the state, and depending on the number of participants,
Speaker 5: they can get one hundred to five hundred depending on
Speaker 5: the state. Now here's the other thing, though, there are
Speaker 5: better examples where other companies come in and buy policies
Speaker 5: of the failing companies and make them good and they're
Speaker 5: But the state guarantee associations are a piss poor excuse
Speaker 5: for guarantees because they're they're you know, just like FDICE is.
Speaker 2: Unless you have very.
Speaker 4: Small annuities, then you would be fine. You would be
Speaker 4: absolutely fine. Now, Executive Life Insurance Company in nineteen ninety
Speaker 4: one failed and it was one of the biggest failures
Speaker 4: of annuity holders, and through the state guarantee associations and
Speaker 4: restructuring efforts, some some not all, received funds, others were
Speaker 4: left high and dry. Nineteen ninety one, Confederation Life nineteen
Speaker 4: ninety four US policy holders received protection from state guarantee
Speaker 4: funds enough to cover everyone. Pen Treaty Network America twenty
Speaker 4: seventeen focused on long term care insurance along with some annuities,
Speaker 4: and it said it's an example of how the state
Speaker 4: regulator stepped in to protect these.
Speaker 2: Policy holders for the long term care part of it.
Speaker 4: The bottom line is, according to this research, no major
Speaker 4: instances exist where fixed indexed annuity holders lost everything. Okay,
Speaker 4: State guarantee associations provide a bit of a safety net
Speaker 4: for smaller annuities due diligence. Before purchasing any annuity, check
Speaker 4: the financial strength of the insurance company through am Best
Speaker 4: Moodies or Standard and Poors. So that's basically it. But
Speaker 4: I think what he was trying to stress is it's
Speaker 4: not one hundred percent guaranteed. And I hear that used
Speaker 4: all the time. It's just not Now. Granted, the instances
Speaker 4: of loss are pretty small.
Speaker 2: They're pretty small.
Speaker 4: Three oh three seven one three talks seven one three
Speaker 4: eight two five five Go with a sure thing Denver's
Speaker 4: best roofer Excel roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance checkup free,
Speaker 4: no obligation. In comparison, call compass insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three oh three seven seven to one help. You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate man dot com to list your home with
Speaker 4: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Martino here three oh three seven one three talk.
Speaker 2: Oh my goodness, three oh three seven on three eight
Speaker 2: two five five. Sometimes I think I should quit the
Speaker 2: technology business. Here trying to never mind us. You don't anyway.
Speaker 2: So by the way, Brian Burns is with us with
Speaker 2: his son Riley. And by the way, Riley must look
Speaker 2: like mom. That's all I have to say.
Speaker 4: Compass Insurance Group three oh three nine ninety six nine thousand,
Speaker 4: get your insurance check up.
Speaker 2: And what we're gonna do is compare some of the prices.
Speaker 4: People call in and say, here's my dext page, Here's
Speaker 4: what I'm paying, this is what I'm insured for.
Speaker 9: You know what?
Speaker 2: What's the market looking like? Anyway?
Speaker 14: Paul?
Speaker 2: Uh, your turn? What's going on? Paul?
Speaker 10: Yeah? Tom?
Speaker 2: What's happening the way?
Speaker 8: Yeah?
Speaker 10: Tom, Paul.
Speaker 4: If you're listening to the radio, you're gonna take about
Speaker 4: ten seconds to hear yourself.
Speaker 2: I'd rather you just talk to me ahead, Yeah, yeah,
Speaker 2: all right.
Speaker 12: A friend of mine, a brother, sixty year old brother
Speaker 12: died unexpectedly.
Speaker 2: He lived alone.
Speaker 12: I don't think he's ever married. She's trying to put
Speaker 12: the state together, and of course part of that is
Speaker 12: looking at the laptop and his soll phone, but it
Speaker 12: sho doesn't have passwords. I suggest that you go to
Speaker 12: the Apple store, show them the death of It, explain
Speaker 12: the situation. But there tole Vision Dum, it couldn't help her.
Speaker 4: So I'm looking for others, right, I don't know, Actually
Speaker 4: I actually don't know. I'm wondering if our geek knows
Speaker 4: ey Ted who listens now? And then I I don't
Speaker 4: know what you do because even even the FBI could.
Speaker 5: Not or was it Homeland Security mark, they couldn't get well.
Speaker 5: I think you can get a court order now. And
Speaker 5: I don't know if that's something Bradley O'Brien or not.
Speaker 5: Bradley O'Brien, Oh jeez, who's our I can't even think
Speaker 5: of his name now are a state attorney? But anyhow,
Speaker 5: I bet it's something got it. I cannot be. I
Speaker 5: bet Dan's dealt with it. But I'm pretty sure you
Speaker 5: can get a court order now if the person's passed away,
Speaker 5: and you can prove the property and then I guess
Speaker 5: Apple might open it.
Speaker 2: I'm not sure. Is it Let me ask you this, Paul.
Speaker 2: Is it an Apple? Is it a cell phone?
Speaker 14: Yeah?
Speaker 12: It's an iPhone?
Speaker 9: And as far as I'm okay, I just know that
Speaker 9: both Apple products.
Speaker 2: Right, man, Okay, I think you can.
Speaker 5: Let's ask that there might be a legacy contact too.
Speaker 5: I think with an eye account, Well, you got an iPhone,
Speaker 5: can't you set up a legacy person like your wife
Speaker 5: or kids to where they'll get access or.
Speaker 2: Easier than that, just have a drop dead list.
Speaker 5: Yeah, but I think actually, when you get an iPhone,
Speaker 5: I thought there is like a legacy account.
Speaker 2: Actually I didn't know that, Mark, I mean, I have
Speaker 2: to look.
Speaker 5: But now, no, I'm saying, you guys don't know. Maybe
Speaker 5: he did do one. I don't know the answer.
Speaker 2: You guys want me to call Dan McKenzie and ask him. Yeah,
Speaker 2: let's do that. Kick on all right?
Speaker 16: Maybe come on, okay, I'll say, I'll ask Kelly to
Speaker 16: give him a call.
Speaker 2: Has he this sounds a little strange, but has he
Speaker 2: been buried?
Speaker 6: No?
Speaker 5: I wonder face recognition and I'm not kidding. Yeah, fingerprint,
Speaker 5: fingerprint or fingerprint? I mean, I don't know how that
Speaker 5: works after someone passes.
Speaker 2: Well, I know in the spy movies when they kill
Speaker 2: someone they take their finger and open their phone and
Speaker 2: they just carry the finger around I know, or the eyeball.
Speaker 2: That's even better. Now here's the deal. I think that
Speaker 2: we might get Dan McKenzie to weigh in on this.
Speaker 2: Then if I Ted is listening, uh, give us a call.
Speaker 4: Three O three seven to one three talk seven one
Speaker 4: three two five five Paul Dmitri, No, no, why don't
Speaker 4: just well, let's do this kitchena If Dan McKenzie's around
Speaker 4: right now, we'll keep Paul on.
Speaker 2: If not, we'll call him back.
Speaker 10: I got it.
Speaker 4: Three O three seven one three two five five. Christy,
Speaker 4: you want to know about breaking a lease? Go ahead, Christy.
Speaker 18: Yes, my son is closing on a first house at
Speaker 18: the beginning of March and his he wants to move
Speaker 18: out at the end of March, but his.
Speaker 17: Lease goes through July.
Speaker 18: The least break see is two months rent, so at
Speaker 18: a minimum, he's liable for that, But the company is
Speaker 18: saying if they don't re rent the place, he's also
Speaker 18: liable for April, May, June, and July.
Speaker 4: So my question is, well, listen, let me just tell
Speaker 4: you in a nutshell, he's obligated for whatever he can
Speaker 4: tractually signed up to do, and then they have to
Speaker 4: make a good faith effort to what's called mitigate losses.
Speaker 4: Then the difference is what he would hold on And
Speaker 4: I'll discuss more of it right after this hold on,
Speaker 4: go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage of insurance
Speaker 4: companies find out now three all three seven seven to one.
Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, your troubleshooter three O
Speaker 4: three seven one three talk three oh three seven one
Speaker 4: three eight two five five.
Speaker 2: Let's go to the phones and we have this.
Speaker 4: Uh, let's see Christy whose son needs to break a lease?
Speaker 2: Now?
Speaker 4: Oh, good, Dan McKenzie, Well, oh we have Dan McKenzie
Speaker 4: for the other thing. Let me go to Dan Real quick, Dan,
Speaker 4: Thank you, Dan McKenzie. Uh So, if you ever had
Speaker 4: someone come to you that was the representative of an
Speaker 4: estate and they couldn't get into their their either father, mother, brother,
Speaker 4: whoever they're the estate representative for, they couldn't get into
Speaker 4: their iPhone or their iPad.
Speaker 2: Do you have a way of getting the courts to
Speaker 2: allow that to happen or how do you handle that?
Speaker 19: I mean, it certainly can try into the poenat There
Speaker 19: is now a law that a uniform on I forget
Speaker 19: whether it's probably California would have to adopt it regarding
Speaker 19: whether people can use passwords to access virtual assets, which
Speaker 19: an Apple account is. It really is a pretty, uh
Speaker 19: an increasingly problematic issue because people have a lot of
Speaker 19: stuff that is valuable information on the phone. Obviously, so
Speaker 19: there are every company that's kind of got its own
Speaker 19: policies and procedures. I don't know if yours. Has your
Speaker 19: caller tried anything yet as far as dealing with Apple directly.
Speaker 5: He went to the Apple store with a death certificate
Speaker 5: and the phone and that's it.
Speaker 2: They never petitioned the court or anything like that.
Speaker 19: Dam it probably would be. It would probably involve sending
Speaker 19: I guess we don't. Also don't know do we know
Speaker 19: whether this person actually opened to probate?
Speaker 4: Okay, so Paul, did did the person involve here? Did
Speaker 4: your friend's brother's sister your I've choose you. Yeah, your
Speaker 4: friend's sister did. Did she open probate? Yes, okay she did,
Speaker 4: and she was appointed personal representative and she has a
Speaker 4: death certificate?
Speaker 2: Did she bring all that to the store.
Speaker 10: To growth this certificate? Because you're born for Els, I.
Speaker 19: Am skeptical that the store is going to really be
Speaker 19: the place. I mean, it's probably involves, you know, sending
Speaker 19: the paperwork actually to Apple in Coopertino, California, because a
Speaker 19: lawyer is going to have to look at it and
Speaker 19: verify that it's all correct and up to date. I
Speaker 19: don't think these people at the store are going to
Speaker 19: have that training.
Speaker 5: But the bottom line thing you're going to happen. The
Speaker 5: bottom line Dan, is there is a way to do this. Now,
Speaker 5: for the most part, there is, yes.
Speaker 19: I mean every kind of like every company has its
Speaker 19: own policies and procedures, and they can be a little
Speaker 19: bit difficult at times. That there is, Like I said,
Speaker 19: there is now a law. It's called a uniform law
Speaker 19: where it's like this has been put out. It's kind
Speaker 19: of a law that every state can adopt, and various
Speaker 19: states have adopted it. Just then, Yeah, here's a method
Speaker 19: for getting access to an account like this, and it
Speaker 19: usually would provide it would require providing the letters from
Speaker 19: the court and the death certificate. But you know, we
Speaker 19: got to look up Apple's procedures and do that, and
Speaker 19: so I said, it probably would be requiring sending something
Speaker 19: in the mail to Kupertino.
Speaker 13: Yeah.
Speaker 2: By the way, Paul, what is the estate worth and all?
Speaker 17: Do you know?
Speaker 10: I know there is a payoff house, probably six hundred thousand.
Speaker 2: It might be worth hiring an attorney to get into that.
Speaker 4: It might be worth getting if he had investments and stuff,
Speaker 4: it might be worth having an attorney help get that
Speaker 4: password unlocked through the proper channels.
Speaker 2: Three O three seven one three talks seven to three
Speaker 2: five five.
Speaker 4: Yeah, Christy, Now your son wants to leave early to
Speaker 4: go into the house he's closing on. I understand that completely,
Speaker 4: and people do that all the time, but they are
Speaker 4: responsible for the lease. What the landlord must do is
Speaker 4: make a good faith effort to release it out and
Speaker 4: not just sit on it so your son keeps paying.
Speaker 2: So which part is in conflict? Right now?
Speaker 18: I have two questions. One would be how do we
Speaker 18: know if the landlord's doing that? And the other question
Speaker 18: is if they want to charge them a two month
Speaker 18: lease break feet and he ends up being responsible for April, May, June,
Speaker 18: and July, can we just pay them four months or
Speaker 18: do we actually owe them six months?
Speaker 2: Okay? You never owe more.
Speaker 4: You never owe more than the lease, Okay, never, So
Speaker 4: I don't even know what they're talking about.
Speaker 2: If you pay each month, that's what you owe.
Speaker 4: You wouldn't have to pay because you're not really breaking
Speaker 4: the lease, you're just keeping it vacant. So that kind
Speaker 4: of answers itself. If you were going to do it
Speaker 4: that way, you would pay four months rent and then.
Speaker 2: Be done with it. I got more coming up.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three O three seven to
Speaker 4: seven to one.
Speaker 2: Help You'll think you're his only customer.
Speaker 4: When you choose Frank durand the real estate man dot
Speaker 4: Com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 1: Rips, you don't have come, Run in just as fast
Speaker 1: as you can.
Speaker 14: Show Shooter's gonna help coming.
Speaker 3: Man, this is the Troubleshooter Show. No, Tom Martino, Welcome,
Speaker 3: Welcome to.
Speaker 5: The only show of its kind. We are here to
Speaker 5: solve problems, answer questions, take complains. You guys, get the idea.
Speaker 5: We're here to educate you make your life's just a
Speaker 5: little bit better. Three zero three Martino, that's a phone number.
Speaker 5: By the way, over three hundred million dollars cash merchant
Speaker 5: ice exchanges refunds.
Speaker 2: Directly due to this show.
Speaker 5: Speaking of issues, Joe's got a problem with a bathroom remodel.
Speaker 2: Hey Joe, what's going on? Man?
Speaker 10: Hey not Tom.
Speaker 14: So we did a master bathroom model and part of
Speaker 14: the remodel was to install a very large shower completely enclosed,
Speaker 14: so that we would have a steamy shower.
Speaker 10: Nice, but not a steam shower.
Speaker 14: Okay. So it's got on all services. It's got either
Speaker 14: glass or tile, including the ceiling. Okay, went into this.
Speaker 14: The work that they did, the contractor did, I think
Speaker 14: is very good. I have no complaints about it. They
Speaker 14: hired a glass company, a subcontractor.
Speaker 12: Who was.
Speaker 14: Who was what?
Speaker 2: Who was the glass company?
Speaker 14: I think their name is Elite Glass.
Speaker 2: Okay, keep going.
Speaker 5: There's not many people. There's not many people in the
Speaker 5: state that do shower glass like that. In fact, the
Speaker 5: most of get it out of state and bring it in.
Speaker 5: One of the big ones I take is Columbine Class.
Speaker 2: But keep going.
Speaker 4: Keep yeah.
Speaker 14: I mean it was six weeks to rebuild the bathroom
Speaker 14: and then another six weeks for the glass.
Speaker 5: Yeah, they come out. They got to measure it, you
Speaker 5: got to have everything else build I understand.
Speaker 14: Yeah, yeah, yeah. So we got the glass installed yesterday.
Speaker 20: During the installation of the glass, at the end of it,
Speaker 20: the installer says to me, now, you know, you can't
Speaker 20: take too steaming of a shower because you don't have
Speaker 20: an escape for the steam.
Speaker 14: And I said what, and he said yeah. In a
Speaker 14: steam shower, they normally have an escape valve or relief
Speaker 14: valve or something to allow the steam to escape. Now
Speaker 14: I don't have a steam shower. I just have an
Speaker 14: enclosed shower.
Speaker 2: I have no idea at all. I have no idea
Speaker 2: what that person's talking about.
Speaker 4: That's not true at all. The steam goes down the drain, exactly,
Speaker 4: steam goes down the drain.
Speaker 2: Our steam shower's got an auto flush on it.
Speaker 5: You don't even have a steam shower, as you said,
Speaker 5: you got a steamy shower that water falls to the
Speaker 5: ground and goes right out the drain.
Speaker 2: Plus you do have some breathing room.
Speaker 5: If you look at that glass where you open the
Speaker 5: door up, I would assume you've got a little bit
Speaker 5: of daylight, right.
Speaker 2: Yes, yes, I do, of course. Yeah, So your your
Speaker 2: shower will drain like a normal shower. What did they
Speaker 2: mean by an escape? What are they talking about event No,
Speaker 2: well they are.
Speaker 14: Talking about if you when you have an actual steam shower,
Speaker 14: you have an inlet for the steam and an exit
Speaker 14: for the steam.
Speaker 4: I guess that's what you No, you don't know, you
Speaker 4: don't I've had six I've had six steam showers active
Speaker 4: and there's not one of them that had a vent ever.
Speaker 2: And I just I literally just got one put in
Speaker 2: less than two months ago.
Speaker 14: Okay, Well that's I'm I mean, I didn't know, I mean,
Speaker 14: I'm like, what, that's why I had this? That's I mean, look,
Speaker 14: I paid fifty grand for the damn shower and you can't.
Speaker 2: How the hell do you pay fifty grand for azer?
Speaker 2: It's easy, Tom Mark fifty five zero. No, that was
Speaker 2: probably with his other bathroom.
Speaker 14: So hello, hello, that's for a little bathroom model, fours cabinets,
Speaker 14: knew everything.
Speaker 2: Yeah.
Speaker 14: Also, okay, look I have I have ten foot ceilings
Speaker 14: and I got the biggest shower that they could build.
Speaker 14: So there's a lot of pile in there plus the
Speaker 14: ceiling places.
Speaker 5: Hey, Joe, why didn't you add a curiosity? You built
Speaker 5: it up like that? Why not spend another, i don't know,
Speaker 5: fifteen grand and put in a mister steam.
Speaker 2: I'm just curious.
Speaker 14: Because if I want to go there, I'm going to
Speaker 14: do that in another bathroom. It just wasn't necessary.
Speaker 2: Cool, you wouldn't use it there, I did.
Speaker 10: What's that I said?
Speaker 2: You probably just wouldn't use it there? I get it.
Speaker 14: Yeah, exactly. So look it's a beautiful shower. They did
Speaker 14: beautiful work. I just was freaked out when the guy says, oh,
Speaker 14: don't don't put too much steam.
Speaker 10: In here your walls.
Speaker 2: Well, Joe, I'm gonna.
Speaker 14: I'm going to go with you guys. I don't know
Speaker 14: how it could.
Speaker 2: Do that, So I'm fine, he's going with Tom and
Speaker 2: not Tom. Yeah, that's right, Tom and not Tom. Thank you, Joe,
Speaker 2: all right?
Speaker 4: And you know what they would call in your case
Speaker 4: would be not Joe anyway, not trail three shoe Joe, Yeah,
Speaker 4: trail three seven on three eight two five five, okay
Speaker 4: in any case. Brian Burns, Compass Insurance Group. Somebody wants
Speaker 4: to know about an insurance checkup, and they want to know,
Speaker 4: is there any percentage at which you decide to switch
Speaker 4: over or not?
Speaker 6: Well, right now, it seems like almost every rate is
Speaker 6: going up enough to be past, you know, a minimum,
Speaker 6: Like we used to do a minimum if it was
Speaker 6: if it wasn't going up more than ten percent, then
Speaker 6: we wouldn't automatically shop. We would just we'd call and
Speaker 6: still have a conversation and if they want us to shop,
Speaker 6: we would do it, but it just wouldn't be automatic.
Speaker 6: But that's so it's so hard to find that now
Speaker 6: that we shop almost every single person that's coming up
Speaker 6: for renewal. That doesn't mean we recommend that everybody move.
Speaker 6: We look to see and if what they've got is better,
Speaker 6: we'll tell them that. Or a lot of times now
Speaker 6: when someone's renewals coming up, we start shopping. But the
Speaker 6: new carriers, you know, if you're trying to write a
Speaker 6: new policy, they're requiring higher deductibles. Some carriers will go
Speaker 6: as high as like a two percent minimum win in hail.
Speaker 6: And so if they are grandfathered into the current carrier,
Speaker 6: let's say they're with a carrier now that's letting them
Speaker 6: have it with a twenty five hundred dollars wind tail deductible,
Speaker 6: and the new carrier is going to be the equivalent
Speaker 6: of a ten thousand deductible. Even if they're saving money,
Speaker 6: we try to explain that and then let them make
Speaker 6: that call. Hey, you know, I mean, yes, you're saving
Speaker 6: you know, eight nine hundred bucks a year, but you're
Speaker 6: also taking on an additional seventy five hundred dollars of
Speaker 6: risks exactly exactly, So we just try to have the
Speaker 6: conversation with them.
Speaker 2: Brian, We we talk about this a lot.
Speaker 4: But somebody texted me, when does it is it cheaper
Speaker 4: to add your kid? And here's what their reasoning is.
Speaker 4: If I add my kid to my insurance, I have
Speaker 4: a high deductible excuse me, a high umbrella, high limits,
Speaker 4: blah blah blah. What if my kid just gets a car,
Speaker 4: a used car, and ensures it under his own name
Speaker 4: for himself, Is that cheaper than keeping him under the
Speaker 4: household No?
Speaker 6: I mean I never see it being cheaper to do that,
Speaker 6: because you're putting it only in the kid's name, So
Speaker 6: then you have a policy just for the kid, and
Speaker 6: so automatically the rate's going to be substantially higher than
Speaker 6: if I was using you know, an adult's information, their
Speaker 6: insurance score, their prior history, you know. So it's going
Speaker 6: to be more expensive to do that. Secondly, you would
Speaker 6: have to exclude him on all the other cars, So
Speaker 6: then all of a sudden he wouldn't be able to
Speaker 6: drive any other car in the household. He or she
Speaker 6: wouldn't be able to drive any other cars in the household.
Speaker 6: And on the flip side, you would be excluding the
Speaker 6: parents and any other drivers on his policy. It just
Speaker 6: it doesn't make sense to do it that way.
Speaker 4: Okay, So in other words, if you have a household
Speaker 4: policy and you have other cars, the safest, best, and
Speaker 4: it's not going to be expensive, is to just raid
Speaker 4: him in the home policy or her in the home policy.
Speaker 6: Yeah, and I don't know if it's not expensive. I
Speaker 6: get it's expensive to add young drivers, but it's it's
Speaker 6: the best way to do it from both the coverage
Speaker 6: standpoint and the cost standpoint. Now, at some point the
Speaker 6: kid moves out of the house, it's twenty he or
Speaker 6: she is twenty one, they own their car. I totally
Speaker 6: understand splitting them off and then, uh, you know, that's
Speaker 6: when you want to do that. But while they're members
Speaker 6: of the household, Uh, you want to go ahead and
Speaker 6: just keep them on your policy. I you know, sometimes
Speaker 6: it happens where a young driver has multiple tickets or
Speaker 6: accidents and you don't have any choice other than to
Speaker 6: exclude them from your policy and have to get a
Speaker 6: separate policy for them. But that's just so expensive to do.
Speaker 6: It's not ideal.
Speaker 4: Okay, we had more coming up three oh three, seven
Speaker 4: to one to three talks seven one, three, eight, two
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Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. I Tom Martino,
Speaker 4: your troubleshooter three three seven one three talks seven one
Speaker 4: three eight two five five. We're talking about steam showers
Speaker 4: and porcelain showers and big showers. Wait till I show
Speaker 4: you this one. Somebody just sent me renew Home Innovations
Speaker 4: something they just did.
Speaker 2: Oh my god.
Speaker 4: Anyway, he tells me that you can go up to
Speaker 4: one hundred grand in a shower if you make it
Speaker 4: big enough and bad enough.
Speaker 2: I mean, think about that.
Speaker 9: Now.
Speaker 4: I'm not saying that's run of the mill, but it
Speaker 4: can be that. Brian got another text for you. By
Speaker 4: the way, we're taking calls on any and all topics,
Speaker 4: but if you have any insurance checkups you want to do,
Speaker 4: you can call a Compass insurance directly three oh three
Speaker 4: nine nine six nine thousand, nine nine six nine thousand,
Speaker 4: and we'll get you a comparison.
Speaker 12: Uh.
Speaker 2: Somebody wants to know, if a kid doesn't live with me,
Speaker 2: can they still be on my household policy?
Speaker 12: Yeah?
Speaker 6: So usually it depends on the age. Uh, but if
Speaker 6: a kid doesn't live with you, especially if they're in college,
Speaker 6: then it's no problem at all. Policies will usually let
Speaker 6: you keep them on your policy until the age of
Speaker 6: twenty five, where they start running in problems. If they
Speaker 6: truly have moved to another state, they have their own
Speaker 6: license there and that kind of stuff, they really need
Speaker 6: to get insurance in that state, register the car that
Speaker 6: they have there. But so I guess the best answer
Speaker 6: is it depends on the exact situation, But yes, you
Speaker 6: can in certain circumstances still ensure your kids on your
Speaker 6: policy even if they're not in the household.
Speaker 4: Okay, and does still does that work out? I mean
Speaker 4: it's the same, right, They don't rate them differently, do
Speaker 4: they know?
Speaker 6: And so you know, when we were just talking a
Speaker 6: minute ago, the good thing to do is to find
Speaker 6: a company that will allow you to assign operators to
Speaker 6: specific vehicles. And not all companies do that. A lot
Speaker 6: of them just say that they're all listed. You know,
Speaker 6: there's not really any kind of assignment to a specific vehicle.
Speaker 6: They're just all on the policy. Whereas there's other carriers
Speaker 6: that will allow you to assign a driver to a
Speaker 6: specific vehicle. It does not mean they can't drive the
Speaker 6: other vehicles. They're not excluded from the other vehicles. But
Speaker 6: the rate is derived from the fact that this is
Speaker 6: the car they're assigned to. That and usually with young drivers,
Speaker 6: that's a you know, those companies seem to be more
Speaker 6: competitively priced because they do it that way.
Speaker 2: Oh, I get it, I get it.
Speaker 4: Okay, three oh three seven one three talks seven one
Speaker 4: three eight two five five.
Speaker 2: So if you are looking for comparisons, do we have
Speaker 2: any we can compare right now?
Speaker 6: Brian, I was just looking here I do have one
Speaker 6: that just showed up here from one of the guys
Speaker 6: that is working on quotes right now. It looks like
Speaker 6: a customer called up there with All State and it
Speaker 6: looks like we were able to move them or quote
Speaker 6: them to a company called Travelers, and yeah, the UH
Speaker 6: saved them fourteen hundred dollars a year and increase the
Speaker 6: liability they were. Oh man, they only had twenty five
Speaker 6: to fifty liability. So if if they were to get
Speaker 6: into an accident and it hurts someone the most, their
Speaker 6: policy was going to pay us twenty five thousand dollars.
Speaker 6: And it looks like we moved them up to two
Speaker 6: hundred and fifty thousand dollars, so you know, ten times
Speaker 6: the amount of coverage and saved them fourteen hundred dollars
Speaker 6: a year.
Speaker 2: Holy crap, that's pretty good, don't you think.
Speaker 6: Yeah, no, that's great. And it looks like they also
Speaker 6: we quoted an umbrella, a one million dollar umbrella. So
Speaker 6: these people own a home. It's just amazing to me
Speaker 6: when people call and they have these low liability limits
Speaker 6: and they have no idea that you know, what it
Speaker 6: is they have there that if they if they get
Speaker 6: into an accident. They're you know, they could stand to
Speaker 6: lose everything because someone it takes nothing to get over
Speaker 6: twenty five thousand dollars and then they'll come after them individually.
Speaker 6: So it's just it's incredible whenever I see that, because
Speaker 6: people have been with the company maybe for you know,
Speaker 6: for a long long time, never have you know, don't
Speaker 6: have any kind of reviews with their policy. And so
Speaker 6: they were carrying the same liability limit they carried when
Speaker 6: they were in college and their net worth was not
Speaker 6: even close exactly, and now they have a much higher
Speaker 6: net worth, but they haven't ever increased their liability limit
Speaker 6: to kind of go along with it.
Speaker 4: All right, thank you now, Jeff, by the way, for
Speaker 4: the insurance check up or for compass at any time.
Speaker 2: Three h three nine nine six nine thousand, nine nine
Speaker 2: six nine thousand, Jeff, what's going on with you?
Speaker 14: Man?
Speaker 2: He all, sir, Yes, sir, yes, what's going on?
Speaker 10: I just have a complaint with icon I Care.
Speaker 4: Okay, And by the way, full disclosure, they did a
Speaker 4: procedure for me, two procedures years ago, and they were
Speaker 4: a sponsor here they're no longer a sponsor. I mean,
Speaker 4: I have no reason why they're not. I mean, what
Speaker 4: I mean is that they did clear lens exchanges for me.
Speaker 4: What's going on with them?
Speaker 10: That's exactly why I went to them, just because of
Speaker 10: your experience that you had. You know, yeah, I heard
Speaker 10: your story about that. I had the same procedure done
Speaker 10: the new change.
Speaker 2: You wanted to go without glasses, right right.
Speaker 10: Right right. So I went in on the twenty first
Speaker 10: and had the surgery done twenty first of what I'm sorry,
Speaker 10: November twenty first of twenty four. I went in and
Speaker 10: had the procedure done on both eyes, had them both
Speaker 10: done at the same time, and I paid out of
Speaker 10: pocket because my insurance wouldn't cover it. So I went in,
Speaker 10: went back, Everything went great, went through all the follow ups.
Speaker 10: I had one little issue. I had a high pressure
Speaker 10: in my right eye, so they put me on some
Speaker 10: drops and we're monitoring the pressure. I went back for
Speaker 10: my final you know, for the lock in treatment on Disney.
Speaker 3: What is that?
Speaker 2: What kind of treatment? Wait?
Speaker 14: What kind of treatment they where they.
Speaker 10: Locked the vision in? You know, how they monitor your
Speaker 10: vision for the first couple of weeks after you get
Speaker 10: the lenses put in.
Speaker 2: And what does that mean? Lock it in? No? I
Speaker 2: never had that done. What does that mean lock it in?
Speaker 10: Well, it means once you're happy with where your your
Speaker 10: vision is, they do it. They can laser procedure to
Speaker 10: lock it in where it is.
Speaker 2: Oh, I didn't know. I didn't know that.
Speaker 4: All I did was I did one eye and it
Speaker 4: healed and then I waited where I can see close
Speaker 4: and far. It took three months and then it was perfect.
Speaker 4: Then I went and had the other eye done and
Speaker 4: it only took a month to come in. But I
Speaker 4: never went back. I never had any lazy But anyway,
Speaker 4: go ahead. What happened then?
Speaker 10: Okay? So I had that all done, and after I
Speaker 10: went back for my final lock in treatment, they wanted
Speaker 10: to follow up and check my pressure in my right
Speaker 10: eye and between I had an appointment scheduled on January
Speaker 10: seventh to twenty twenty five, and the Sunday before that,
Speaker 10: I kind of developed some floaters and blurry vision in
Speaker 10: my right eye.
Speaker 2: So how old are you?
Speaker 10: I am sixty three.
Speaker 2: That's pretty calmon the floaters, Yeah, go.
Speaker 10: Ahead, okay, So I had an appointment. If this started
Speaker 10: on a Sunday, and I had an appointment on Tuesday,
Speaker 10: so I just thought i'd just bring it up to
Speaker 10: him on Tuesday when I go in for the appointment.
Speaker 10: So I went in and I seen an entotometrist and
Speaker 10: he looked at it and says, yeah, sometimes you have
Speaker 10: a gel sack in the back of your eye, that
Speaker 10: kind of that's right. As we get older, that's right.
Speaker 4: And in fact, it happens a lot. It happened to
Speaker 4: me on both eyes, not after the clear legs exchange,
Speaker 4: but about ten years later, I had what.
Speaker 2: Was called vitriach to me.
Speaker 4: They take it out, that gel, and that fluid breaks up,
Speaker 4: it starts floating, and god does it get scary because
Speaker 4: when it floats across your field of vision, you're saying,
Speaker 4: wait a minute, I just went blind in that eye.
Speaker 4: And then it floats away, and then it can be
Speaker 4: little chunks, big chunks, it can be all kinds of stuff.
Speaker 4: And then they take all that fluid out and that's
Speaker 4: a different place that does that. And then I had
Speaker 4: doctor June Depth do it, and he took out first
Speaker 4: it was the left eye, then it was the right eye,
Speaker 4: or or vice versa whatever, and I have perfect you know,
Speaker 4: and that even made my eyes even better because it
Speaker 4: gets rid of.
Speaker 2: All that old murky fluid anyway, is that what you
Speaker 2: had done?
Speaker 10: Well, no, no, she's that's what they told me it was.
Speaker 10: And she just, you know, it'll probably just go away
Speaker 10: to come back.
Speaker 2: And all, No, it doesn't, No, it doesn't.
Speaker 10: No, So that's that's why. So I got worse during
Speaker 10: that week. So I called in and I went in.
Speaker 10: Let's see, that was on a Tuesday that I went
Speaker 10: in and they said that that sack may be breaking apart.
Speaker 10: And I went in and I seen another optometrist and
Speaker 10: he looked at my eye and he says it was
Speaker 10: an I had a you know, it was inflamed. And
Speaker 10: he told me that I needed to see a retinal specialist.
Speaker 2: That's exactly right, that's right. But this I don't know why.
Speaker 2: It has nothing to do with icon.
Speaker 10: Oh yeah, yeah it does.
Speaker 2: Well, okay, okay, actually it doesn't.
Speaker 10: I need to finish.
Speaker 2: They finished finish.
Speaker 10: So he told me, he said that I had detachment,
Speaker 10: you know, hemorrhaging and a detachment because what I was
Speaker 10: seeing was blood. It wasn't the floaters were blood being
Speaker 10: out inside my eye.
Speaker 4: So wait a minute, they did not discover they did
Speaker 4: not cover a detached retina.
Speaker 10: No, no, he said that they couldn't see because of
Speaker 10: the because it was so swollen and there was so
Speaker 10: much blood in there that they couldn't see.
Speaker 2: So he said, I need But why didn't they refer you?
Speaker 2: Why did they not refer you to a specialist?
Speaker 10: Well, that's where I'm getting to. He said that I
Speaker 10: need to see it. He says, I can't refer you
Speaker 10: to a retina specialist, but here's what you tell him,
Speaker 10: and he gave me this little paragraph. So I've got
Speaker 10: Kaiser insurance. So I called Kay and I told him that, yeah,
Speaker 10: I need to see a retinal specialist. And he says, well,
Speaker 10: you need a referral for a retinal specialist, and well,
Speaker 10: I said, well, here's what the atomis told me. He says,
Speaker 10: I don't care what he told you. I still need
Speaker 10: a referral from him. So so I called back Icon
Speaker 10: and told him, you know, talk. This was on a
Speaker 10: Friday night.
Speaker 4: Jeff, Jeff, hold on, hold on, Jeff, I need to
Speaker 4: interject here. When I said, by the way, just let
Speaker 4: me clarify this. When I said it has nothing to
Speaker 4: do with Icon, Here's what I meant. If you're having
Speaker 4: if you had this detachment, because they did something.
Speaker 2: Wrong when they did their lens. That would be one thing.
Speaker 2: Normally the lens is not connected to the detachment.
Speaker 4: But if it did happen, are you saying now they
Speaker 4: are I think responsible for not referring you and not
Speaker 4: recognizing the problem.
Speaker 2: But I don't know if they caused the problem or not.
Speaker 2: Let's let's discuss both of Let's discuss both of those things.
Speaker 2: I want to get to what happened and what we
Speaker 2: can do for you. Coming right up, go.
Speaker 4: With a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up, Free obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three all three seven seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate Man dot com
Speaker 4: to list your home with Remax Alliance three all three
Speaker 4: nine two zero sixteen twenty two.
Speaker 2: Hey, I'm Tom Artina, You're troubleshooter three all three seven
Speaker 2: one three talk seven one three eight two five to five. Listen.
Speaker 4: So Jeff went to Icon to have a clear lens exchange.
Speaker 4: I had that done years ago. He said he developed
Speaker 4: some floaters and blurry vision in his right eye. He
Speaker 4: went in for a checkup.
Speaker 2: They told him to see a retinal specialist.
Speaker 4: And he could not get a referral. So I don't
Speaker 4: understand why they wouldn't give you a referral. But also
Speaker 4: I also don't understand why Kaiser requires a referral. I
Speaker 4: went to a retinal specialist directly. This had nothing to
Speaker 4: do with Icon it was. It was years later, but
Speaker 4: I went for this gel. It was bothering me, and
Speaker 4: I simply called whatever I think it was, Colorado or
Speaker 4: wherever doctor June Depth is and got an appointment and
Speaker 4: he saw me and scheduled surgery. So, Jeff, I don't
Speaker 4: know how Kaiser works, but certainly they would have had
Speaker 4: a regular eye doctor that would have made you a
Speaker 4: referral to their in house retinal specialists at Kaiser.
Speaker 10: Well, the doctor on Friday was telling me that I
Speaker 10: needed to see one before Tuesday, no later than tuesday.
Speaker 2: He told me, yeah, because if you have a retinal detachment,
Speaker 2: you can go blind.
Speaker 10: Oh I know, I know. So anyway, they never did.
Speaker 10: They wouldn't do a referral. I called back Monday, yep, and.
Speaker 4: At Jeff, I'm asking a very simple question, Jeff, I'm
Speaker 4: trying to I'm asking a very simple question. Why didn't
Speaker 4: you say to Kaiser you're having problems and just get
Speaker 4: in to see an eye doctor.
Speaker 2: Period?
Speaker 10: Well that's what I finally did on Monday.
Speaker 2: Okay, okay, I think.
Speaker 10: That Kaiser optometrists on Monday. They were very good at Kaiser,
Speaker 10: but I mean, just to neglect from Icon, they even
Speaker 10: kaw tell.
Speaker 4: Me, hold on, hold on, you used the good word, Jeff,
Speaker 4: you use.
Speaker 2: The word neglect. Tell me how they neglected you. I
Speaker 2: need to know that part.
Speaker 10: Well, because they because I had to go through. And
Speaker 10: the reason that he gave me this little paragraph to
Speaker 10: tell them at at Kaiser is so I wouldn't have
Speaker 10: to go through seeing an autometrist, having the autometrists look
Speaker 10: at me. He's just trying to save me some time.
Speaker 10: He says, I can't do a referral, which I find out.
Speaker 2: But why why can't they do a referral? I don't understand.
Speaker 10: Why don you'd have to ask Icon that?
Speaker 5: Well wait, wait, wait, wait, If you're with Kaiser, generally
Speaker 5: that's going to be all in house, Mate.
Speaker 2: I don't know if like they can.
Speaker 5: Refer you to a doctor outside of the network, knowing
Speaker 5: you have Kaiser.
Speaker 2: You know what I'm saying, Mark, that wasn't the case.
Speaker 2: Here's what the case was.
Speaker 4: Jeff was at Jeff was at Icon and he wanted
Speaker 4: a referral to an optimobelage or retina specialist.
Speaker 2: And it could have been I mean if he got
Speaker 2: a referral to.
Speaker 4: A retinal specialist within Kaiser. Can an outside doctor make
Speaker 4: a recommendation to an inside Kaiser specialist if you're part
Speaker 4: of Kaiser, Mark.
Speaker 5: I wouldn't go to anywhere other than what Kaiser tells
Speaker 5: me to go to because I don't think there would
Speaker 5: be any coverage.
Speaker 2: No, But what I meant is this, Mark, that was
Speaker 2: the whole point.
Speaker 4: He had the clear lens exchange done at Icon because
Speaker 4: Kaiser doesn't.
Speaker 2: Offer it, correct he paid for it out of pocket.
Speaker 4: I understand what we're asking is this, if you ever
Speaker 4: did that where you were with an outside doctor, can
Speaker 4: they refer you and say, Mark, you have to go
Speaker 4: see this specialist. And since you're with Kaiser, would Kaiser
Speaker 4: take a recommendation from an outside doctor, do you know?
Speaker 5: No, I don't know, and I don't I don't think so,
Speaker 5: because they're going to want you a network.
Speaker 2: That's what I thought.
Speaker 4: So I think, Jeff, I think that you would have
Speaker 4: had to go to a Kaiser regular eye doctor.
Speaker 2: Anyway, I'm thinking. But I know the point you're making.
Speaker 9: Yeah, okay, but anyway you're.
Speaker 10: Saying, I went and seen a Kaiser optometrist on Monday
Speaker 10: morning and they were able to get me in with
Speaker 10: the Kaiser retinal specialist that afternoon. So I went in
Speaker 10: and seen the retinal specialist.
Speaker 5: Hey would they say, by the way, did they were
Speaker 5: they able to reattach it or what's the game plan?
Speaker 17: Well?
Speaker 10: No, no, I've never it was a retinal issue. It
Speaker 10: was inflammation. It was an infection in my eye.
Speaker 4: Oh wow from oh hold on, hold on, hold on
Speaker 4: now now wait a minute. So this infection, this could
Speaker 4: be part of that surgery.
Speaker 2: Is that what they said?
Speaker 10: Yeah, they don't more or less say that, but he
Speaker 10: says that's more unlikely what happened.
Speaker 2: Did they think?
Speaker 4: Are they the ones that told you at icon to
Speaker 4: see a retinal specialist because you could be having a detachment.
Speaker 10: Yes, that's what I was told at icon, Oh.
Speaker 2: Okay, but as it turns out, you have no retinal detachment.
Speaker 2: Is that right?
Speaker 10: Correct?
Speaker 2: That is good news.
Speaker 4: But does the do the Kaiser people say, hey, Jeff,
Speaker 4: you have an infection as a result of what they did, not.
Speaker 10: As a result. He said, that's the only way it
Speaker 10: could have happened.
Speaker 4: Well, sure, what else happened? Nothing else. It's not a
Speaker 4: coincidence that. It's not a coincidence that all of a
Speaker 4: sudden you got an infection. I mean, the only thing
Speaker 4: you had done was what they did.
Speaker 10: So he tells me you got an infection, and he says,
Speaker 10: we got to do surgery. And I says, well, what
Speaker 10: do you want to do this surgery? And he says,
Speaker 10: we have to do it tomorrow afternoon. Yeah, so I
Speaker 10: went So I went in and had surgery tuesday afternoon
Speaker 10: to go in and suck my eye out.
Speaker 4: You know, Wait a minute, wait a minute, wait, whoa, whoa,
Speaker 4: Now now you're confusing me. They they did a vichery
Speaker 4: out of me. They they took out the vitreous fluid
Speaker 4: within your eye. But you just told me, oh, nevermind,
Speaker 4: but that's not an infection. Usually usually that's just I
Speaker 4: don't get why they did that treatment, but I'm not
Speaker 4: a doctor, obviously, What did they say they were doing
Speaker 4: the vitriactomy.
Speaker 10: For could get the infection out? Had they had to
Speaker 10: clean my mouse?
Speaker 4: So the fluid? Was it the fluid that wasn't see?
Speaker 4: I don't know anything. I'm asking Was it.
Speaker 2: The fluid that was it?
Speaker 13: Yeah?
Speaker 10: They had to go in and cut my eye open
Speaker 10: again and go back in there. He took like this
Speaker 10: little you know, I was away through the whole thing,
Speaker 10: and so.
Speaker 2: They had to clean out. Basically, basically they had to
Speaker 2: clean out.
Speaker 4: The vitreous gel and fluid on the inside of your
Speaker 4: eyeball to get rid of the infection.
Speaker 10: Correct.
Speaker 2: Wow, but here's what I need to know. If it
Speaker 2: was on the inside of the eyeball, did they say
Speaker 2: what exactly was infected?
Speaker 8: No?
Speaker 2: May I ask who your surgeon was?
Speaker 10: Where at Kaiser?
Speaker 2: Yeah?
Speaker 4: No?
Speaker 2: Yeah?
Speaker 10: Uh doctor Lee?
Speaker 4: Okay, I want to talk to you more. Hang on,
Speaker 4: did you know there's something going on? We got to
Speaker 4: figure it out. I'm Tom Martine. Go with a sure
Speaker 4: thing Denver's Best roofer Excel roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 15: Yeah, ripped.
Speaker 2: News. You needed that so you don't have to run
Speaker 2: incousta as a cam shooter's gonna help.
Speaker 3: Come SX is the Troubleshooter show. No Tom Mark, Hey, I'm.
Speaker 2: Tom Martino, your troubleshooter three zero three seven to one
Speaker 2: three talk seven one three eight two five five. Okay.
Speaker 4: Bottom line, let's get right to this and get through it.
Speaker 4: It's a good topic. It's a topic that comes up
Speaker 4: a lot. You have to have substantial damages for it
Speaker 4: to matter. For malpractice, it really is. Malpractice is not
Speaker 4: for anybody that has minor damages. Really, I mean it,
Speaker 4: it's gone to a point where you can suffer a
Speaker 4: lot and not get malpractice. Now that doesn't mean it's
Speaker 4: not important. You might want to report things sometimes, but
Speaker 4: I will tell you this.
Speaker 2: I looked it up.
Speaker 4: And on a disclaimer for almost every surgery, including Clear
Speaker 4: Lens Exchange, there is an exception or a disclaimer for
Speaker 4: infections as a risk. And I will tell you this, Jeff.
Speaker 4: They give very specific instructions. I remember when I had
Speaker 4: my Clear Lens Exchange on how to care for your
Speaker 4: eyes after surgery and the washes and stuff and the
Speaker 4: drops and the antibiotic drops.
Speaker 2: And it is very very.
Speaker 4: Likely to get an infection if you don't take impeccable.
Speaker 2: Care of your eyes. I'm not blaming you.
Speaker 4: I am just saying it's going to be probably next
Speaker 4: two impossible to blame them for the infection. Was it
Speaker 4: as a result of surgery? Absolutely? Probably, I mean I'll
Speaker 4: just say yes. I mean, there's no coincidence, but it
Speaker 4: could be the way your aftercare, because the aftercare is
Speaker 4: entrusted to you.
Speaker 2: But I want to know this. Here's a couple of
Speaker 2: things I want to know, Jeff. What do you want?
Speaker 2: Basically you called what do you want?
Speaker 10: I'm more or less one of to buyer. Beware of
Speaker 10: icon lays it.
Speaker 2: Do you think that's fair?
Speaker 10: Yes?
Speaker 2: I do.
Speaker 9: No.
Speaker 2: No, hold on, hold on because you because you.
Speaker 4: Got an infection in your eye following surgery that could
Speaker 4: have been due to a lack of care.
Speaker 2: Why do you feel I'm no buyer. Beware should be
Speaker 2: for everyone, by the way, so I don't mind that.
Speaker 2: Tell me what you think they did wrong.
Speaker 10: By not responding to me when I had a problem.
Speaker 4: Well, okay, that would be bad. What do you mean
Speaker 4: by not responding? What do you mean by not responding?
Speaker 10: I asked for the doctor to call me back when
Speaker 10: I had an issue with my eye. I never did
Speaker 10: get a call back from icon Ikere.
Speaker 2: Now that, that to me is unacceptable.
Speaker 4: If you have surgery done at a place, those people
Speaker 4: should be very attentive.
Speaker 10: Dollars have your eyes done, you at least, you know,
Speaker 10: get a callback from them.
Speaker 2: It's such they didn't contact you like that. But I
Speaker 2: doubt you have a case.
Speaker 10: Man, I didn't call for that.
Speaker 2: Well, you do have a case for letting people know.
Speaker 4: I hope you posted appropriate reviews online.
Speaker 10: Well, what happened is I did get a callback from
Speaker 10: a doctor Severson at age fifteen on a Wednesday evening
Speaker 10: and told him what had happened to me. And you
Speaker 10: know what he said. He says, you could go blind
Speaker 10: you'll probably never see twenty twenty vision again. That was
Speaker 10: his comment when I first talked to him on a
Speaker 10: Wednesday evening.
Speaker 5: You know, if that's true, you would have major damages.
Speaker 5: I mean, really if you if you could never see
Speaker 5: properly again, you could have a case, Jeff.
Speaker 10: But that was a comment.
Speaker 8: Mark.
Speaker 4: Guys, will you wait a second, Please let me bring
Speaker 4: the main point up. Mark, and infection is an automatic
Speaker 4: side effect.
Speaker 2: It, So tell me. Unless they caused the infection, Mark,
Speaker 2: why would they be responsible for his aftercare. I would
Speaker 2: have no idea. I would have no idea. Now I
Speaker 2: do agree.
Speaker 4: I do agree that he went in there and it
Speaker 4: was pretty obviously infected, and.
Speaker 2: They didn't I mean, did they tell you, Jeff, make
Speaker 2: sure you.
Speaker 4: Take your antibiotic drops it looks infected or anything.
Speaker 10: I no, No, I went to the follow up. There
Speaker 10: was no question about that. The only question that they
Speaker 10: had when I went back for my follow up was
Speaker 10: my pressure in my right eye.
Speaker 5: I'd ask for little I bet, I bet liddle Off
Speaker 5: still there. He's a good guy. You know what I
Speaker 5: remember about him. He's got l packs man. He is
Speaker 5: a great guy.
Speaker 4: Hey, Jeff, I want to ask you something just really
Speaker 4: quick answers. When you went back for your follow up,
Speaker 4: you weren't having an issue at the time, right, No, Now,
Speaker 4: how was the pressure in your eye?
Speaker 10: The pressure the pressure is good?
Speaker 2: Now, No, how was it when you went for your
Speaker 2: follow up?
Speaker 10: It was it was like twenty three or something for
Speaker 10: I don't know what that means.
Speaker 2: I don't know what that means.
Speaker 10: The pressure was high, okay?
Speaker 4: What did they recommend when they did your pressure and
Speaker 4: it was high to do drops?
Speaker 2: Okay? Then then when was your very next problem?
Speaker 10: The very next problem was the day I was supposed
Speaker 10: to go back and get it checked to make sure
Speaker 10: the pressure going down after the drop I developed, And.
Speaker 12: What was that?
Speaker 2: Okay? And then what did they say about the blurry
Speaker 2: and all of that.
Speaker 10: Well, they said that you probably got some jel okay.
Speaker 4: Then then why then, when when do you think the
Speaker 4: infection started?
Speaker 10: Well, the only way the infection could start was was
Speaker 10: the only way I could have got the infection was
Speaker 10: from the surgery, is what the retino specialist is telling me.
Speaker 2: Jeff, Jeff, you're not listening to me.
Speaker 10: Man.
Speaker 4: Every single every single surgery, every single surgery can cause
Speaker 4: an infection. But it's not the fault of the surgery.
Speaker 4: It's the aftercare, the actual I'm just telling you truly infection.
Speaker 4: When you say it was caused by the surgery, of
Speaker 4: course it was. But that doesn't mean that everyone who
Speaker 4: has a surgery gets an infection. So why did you
Speaker 4: get an infection? The answer most of the time is
Speaker 4: post surgery. That's why whenever you have surgery, they watch
Speaker 4: you like a dog and tell you make sure you
Speaker 4: keep it clean, make sure you don't do this, make
Speaker 4: sure you don't do that, make sure you do your.
Speaker 2: Drops, or make sure you do your sab or make
Speaker 2: sure you take your pills. Whatever. I don't know what
Speaker 2: your situation was. Do you understand? Cause is not malpractice.
Speaker 2: What's malpractice is unusual results and after care neglect, literally neglect.
Speaker 4: So so I don't think, as Mark said, you have
Speaker 4: a case. I don't think you have anything. What you
Speaker 4: are and you should be. You're pissed off because these
Speaker 4: people were not attentive to you, and I agree with
Speaker 4: you wholeheartedly. They if everything you're telling me is true,
Speaker 4: they were not attentive and they should have been more attentive.
Speaker 2: Because even if infection was as a result of a
Speaker 2: lack of your own aftercare. They should have been all
Speaker 2: over it.
Speaker 10: Okay, I'm just saying beware then, because the doctors are
Speaker 10: all contracted. This place is owned by a company back
Speaker 10: in Ohio, and they contracted doctors for this.
Speaker 2: Yeah.
Speaker 4: It's so funny how you're trying to make contracted doctors
Speaker 4: sound bad, because ninety eight percent of all clinics have
Speaker 4: contracted doctors.
Speaker 10: But go ahead, because the clinic personnel is part of
Speaker 10: the is part of the eye doctor company, and the
Speaker 10: doctors are contracted. That's what the doctor told me. He says,
Speaker 10: we don't get there.
Speaker 2: What difference does that make? I don't know what did
Speaker 2: the business structure? No, no, Jeff, listen. What you're doing
Speaker 2: is what I call listen.
Speaker 4: It's very common, accumulating injustices or accumulating just detractors.
Speaker 2: But they don't mean anything. And I'll bet you he
Speaker 2: had dirty shoes. I mean who they drive chevies. I
Speaker 2: don't know. You could find a lot of things, but
Speaker 2: the fact that their contractors have nothing to do with it.
Speaker 2: If you're going to give a review about Icon, it's
Speaker 2: very simple. Watch out for Icon. I care.
Speaker 4: I had surgery there, and I don't think the surgeons
Speaker 4: could have cared less when I contacted them about possible complications.
Speaker 4: I was feeling I discomfort, I developed an infection, and
Speaker 4: they should have caught it sooner and sent me to
Speaker 4: a specialist.
Speaker 2: What do I care?
Speaker 4: That the doctors are contracted humers, sometimes getting their own
Speaker 4: frickin' way when they want to make some kind of
Speaker 4: a complaint and they start sounding like nuts because they
Speaker 4: don't confine themselves to the issues. Okay, so you start out,
Speaker 4: I'm extracting from you some pretty strong issues. I think
Speaker 4: there was a lack of follow up, and I think
Speaker 4: that probably so many of them go so smoothly they're
Speaker 4: probably resting on their laurels.
Speaker 2: I believe that. I believe that, you know, Jeff. Do
Speaker 2: you know why I know that.
Speaker 4: Because I know someone else that had complications worse than yours,
Speaker 4: and I don't feel they were as attentive as they
Speaker 4: should have been.
Speaker 2: So and by the way, in my opinion, that person
Speaker 2: had a clear cut malpractice case that they did not pursue.
Speaker 4: Okay, so that's why I believe you probably have an issue.
Speaker 4: But I don't think you can do I don't think
Speaker 4: you have any money coming or anything like that. However,
Speaker 4: I was shocked at the price you told me. Did
Speaker 4: each I cost you six grand or seven thousand dollars
Speaker 4: four dollars?
Speaker 10: Yeah?
Speaker 2: I know. I mean and by the.
Speaker 4: Way, people say, hey, you didn't pay for your tom
Speaker 4: Well I did pay, and I might have gotten a discount,
Speaker 4: but even full retail, I don't remember being that much money.
Speaker 4: So right now, if someone comes in off the street,
Speaker 4: are you telling me for a clear lens exchange? It's
Speaker 4: seven thousand.
Speaker 10: Dollars, seven thousand dollars a nine.
Speaker 2: Geez wow?
Speaker 10: Yeah, and what do they call it?
Speaker 2: Do they still call it a clear lens exchange?
Speaker 10: Clear lens exchange?
Speaker 9: No?
Speaker 10: I remember you were very happy with what you had done.
Speaker 10: So that's why I want to see. Yeah, absolutely, absolutely
Speaker 10: to the point that they were at.
Speaker 2: So but but let me ask you the this part.
Speaker 2: Can you see?
Speaker 10: Well, yeah, but my right eye is still I still
Speaker 10: have floaters and still have a blurry vision.
Speaker 2: What are they going to do about that one?
Speaker 14: Bro?
Speaker 2: What are they going to do about it?
Speaker 10: I'm still They're still being monitored by Kaiser.
Speaker 4: So well you wait, wait, if you had a bitch
Speaker 4: react to me? Done and they sucked out all the fluid,
Speaker 4: you shouldn't have any floaters.
Speaker 10: Yeah, but they can't get it all out.
Speaker 4: Of course they can. But of course they can. Well,
Speaker 4: why can't they get it all out? They take the
Speaker 4: fluid out.
Speaker 12: When it's out, it's out, They take the fluid out.
Speaker 10: But I mean all the little floaters that.
Speaker 2: Are in there are in the fluid.
Speaker 10: Yeah, you know they can't. Okay, well they can't. What
Speaker 10: I really trust this guy so well?
Speaker 12: I do too.
Speaker 4: I mean, they obviously know more than me, and maybe
Speaker 4: I had just a lucky circumstance where but man, did
Speaker 4: they tell you that, they actually tell you we'll never
Speaker 4: get all the floaters out.
Speaker 10: I don't know that. They don't know that.
Speaker 2: Why don't you ask them? Tell them you're still having
Speaker 2: freaking floaters in an eye? They didn't bit directed me on.
Speaker 10: They're still monitoring it. They don't know what they have
Speaker 10: to do yet as far as uh to cure it,
Speaker 10: or it may even be in the lens might be
Speaker 10: the issue. There's all kinds of different things.
Speaker 4: Well, if you have a floater in the lens that
Speaker 4: doesn't move, does your floater move?
Speaker 10: But he's saying there may be some I don't know.
Speaker 2: He's the so of course.
Speaker 4: Okay, did you ask him? Did you ask him if
Speaker 4: that I will ever clear up and give you good vision?
Speaker 10: It could? Yeah, he said it very well. Okay, Yeah, I.
Speaker 2: Might post my eye out.
Speaker 4: Ye bye, I'm gonna. I want you to call us
Speaker 4: back in a month. I'm serious, Jeff. Okay, will you
Speaker 4: call us back and let us know how it goes.
Speaker 4: I'm really interested. Three h three seven one three eight
Speaker 4: or five? I listened, Mark, You know what, people have
Speaker 4: issues like this. It's pretty serious. Go poke your freaking eyes.
Speaker 2: It's he has been on for an hour. Oh stop,
Speaker 2: I mean on and off one hour. Mark.
Speaker 4: First of all, Mark, we we can address criticism of
Speaker 4: the show, maybe in a better forum.
Speaker 2: But but I agree with you. It was I agree
Speaker 2: with you.
Speaker 11: I did.
Speaker 2: It was overdone a little. But I'll tell you why
Speaker 2: it's a little. I know that there are many issues. Okay.
Speaker 2: One of the issues is the actual eye care.
Speaker 4: The other issue is malpractice in general, and then and
Speaker 4: then personal responsibility and all that.
Speaker 2: I get what you're saying, No, I really do. But
Speaker 2: I think that when consumer.
Speaker 4: Issues are complicated and have a lot of different issues
Speaker 4: that they affect, it goes beyond the actual that one case.
Speaker 4: We have more coming up, and then we're gonna spend
Speaker 4: another hour on drywall. Right after this, go with a
Speaker 4: sure thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation comparison call
Speaker 4: Compass Insurance. Pay too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three, seven to
Speaker 4: seven to one.
Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two.
Speaker 2: Hey Tom Martino here, Welcome to the show.
Speaker 4: Three O three seven one three talk seven one three
Speaker 4: eight two five five. All right, now for the remainder
Speaker 4: of the show, we'll talk about drywall. Just kidding, but
Speaker 4: Cindy does have a question on drywall, and Cindy, what's.
Speaker 2: Going on with you?
Speaker 13: Thank you.
Speaker 17: I've got a master bathroom that has been linking into
Speaker 17: ceiling into the family room below for years, and it
Speaker 17: would go be off and on, so I'd be concerned
Speaker 17: about it, and then it would dry up. So now
Speaker 17: we removed the toilet and we found out whoever put
Speaker 17: that toilet it in didn't put a wax bring in
Speaker 17: or no, oh my goodness, no, I'm sorry, had a
Speaker 17: wax ring that could be devastating.
Speaker 2: No flange, no flange, what does that mean?
Speaker 17: That's fair.
Speaker 4: That means that flange that goes into the floor wasn't
Speaker 4: there that that receives it. So listen, Cindy, it leaked
Speaker 4: into your lower family room.
Speaker 17: Well, I just have a line, a straight line. So
Speaker 17: we cut like six by six square out to look
Speaker 17: up there.
Speaker 2: Yeah, but what did it? I need to know the damages.
Speaker 4: You had damages in the bathroom or underneath on the
Speaker 4: first floor.
Speaker 17: The bathroom, it was wet behind the toilet a lot.
Speaker 17: So I was renting the house out and I didn't
Speaker 17: know what was going on, but it was where was
Speaker 17: the main damage?
Speaker 2: Where was the main damage?
Speaker 17: Really, it's just the ceiling in the family room below
Speaker 17: that was damaged.
Speaker 2: Okay, so keep going.
Speaker 17: It's not even an insurance thing. I'm just going to
Speaker 17: put a flangeine there. I had somebody look at it
Speaker 17: and he cut the ceiling out. We're looking up there
Speaker 17: for mold and I don't know if I should go
Speaker 17: to Low's and get up home people get a mold
Speaker 17: cast or spray with vinegar and then just cut.
Speaker 4: Do you know Genesis Genesis Total Exteriors. The reason I
Speaker 4: ask I talk about Genesis they can do a mold
Speaker 4: test for you and they have the expertise without ripping
Speaker 4: you off or exaggerating on getting rid of it or
Speaker 4: replacing that ceiling if you need the whole ceiling replaced,
Speaker 4: because they do baths as well, and they do kitchens
Speaker 4: and they do exteriors on the house. Now, that's what
Speaker 4: I'm saying, if you really want it done well, I
Speaker 4: don't mean getting the work necessarily done, but at least
Speaker 4: getting honesty about the mold, because so many people rip
Speaker 4: off people when it comes to mold. So if you're interested,
Speaker 4: I just want to tell you Genesis Total Exteriors will
Speaker 4: will help you with the mold part and then rebuilding
Speaker 4: if you need at three zho three six seven nine
Speaker 4: eight five zero nine Genesis now listen.
Speaker 2: In addition to that, though, I want to know what
Speaker 2: are you mainly calling about?
Speaker 12: Now?
Speaker 17: What am I calling about? Now? I don't know if
Speaker 17: I need to rip more than six by six inches
Speaker 17: out of that ceiling and look farther into the ceiling.
Speaker 4: Than just Okay, that's what Genesis, Mark Schamansky and his
Speaker 4: team see, Cindy.
Speaker 2: I would be so hesitant to have you call a
Speaker 2: so called restoration.
Speaker 4: Company or someone who says water damages or just a contractor,
Speaker 4: because so many times when they see water and they
Speaker 4: hear a homeowner who has concerns about mold, they see
Speaker 4: dollar signs because they can scare the hell out of
Speaker 4: you and say, oh, Cindy, you're gonna have to tear
Speaker 4: all this out.
Speaker 2: You're gonna have to take the floor out, You're gonna
Speaker 2: have to do this.
Speaker 13: See.
Speaker 2: That's where Mark will not do that to you.
Speaker 4: That's why I'm confident about Genesis in this particular case.
Speaker 17: Okay, sounds good, because I think a drafted to tear
Speaker 17: that the tile floor out in the master bathroom and
Speaker 17: look at all of the braces on there.
Speaker 4: Say he has ways of looking in there and doing tests,
Speaker 4: and I doubt you'll have to do that now if
Speaker 4: you do, though, and he tells you that he's a
Speaker 4: pretty honest not pretty he's an honest man. I mean,
Speaker 4: I've known the man for thirty years and one thing,
Speaker 4: I'm just so afraid because you're in an exact position
Speaker 4: to get ripped off. These are the kinds of homeowners
Speaker 4: people love when they don't know.
Speaker 2: It's the great unknown.
Speaker 4: Because Cindy, if somebody came in there and they had
Speaker 4: a good pitch, they could say, well, Cindy, we're gonna
Speaker 4: have to pull up this whole floor and we're gonna
Speaker 4: have to do the whole ceiling downstairs, you'd probably think, well, okay, right,
Speaker 4: So first I wouldn't bother what's that?
Speaker 17: That was my first thought, I'm gonna have to rip
Speaker 17: everything apart and see what's going on.
Speaker 2: You're right, and you may not have to.
Speaker 4: And in fact, Genesis also has ways of making strategic
Speaker 4: openings for drying it out. You see the truth about
Speaker 4: mo First and foremost mold is not good, but not
Speaker 4: all of it is toxic. Now it's not all great,
Speaker 4: but it's not all really seriously toxic.
Speaker 2: But you still don't want it.
Speaker 4: But the truth about mold is this, once you dry
Speaker 4: up the food source, you are fine to go.
Speaker 2: And the food source would be water or some organic material.
Speaker 4: Once you clean that up, then all you have to
Speaker 4: do is encapsulate or remove whatever is there.
Speaker 2: It doesn't recire.
Speaker 4: A lot of people treat it like asbestos, and it
Speaker 4: doesn't have to be unless you had extreme toxic mold,
Speaker 4: and for that you got to remove it. But it's
Speaker 4: you know, ever since Ed McMahon, I don't know if
Speaker 4: you realize this. Ed McMahon was the first major mold
Speaker 4: case in the United States. He was the sidekick for
Speaker 4: Johnny Carson. Who did you know before Jimmy Fallon did.
Speaker 2: The Tonight show?
Speaker 4: Okay, that guy sued his insurance company and was one
Speaker 4: millions and millions of dollars because of a mold case.
Speaker 2: If you really go back and look at his case,
Speaker 2: it wasn't even that strong.
Speaker 4: But ever since then, people used that court precedent to
Speaker 4: get insurance companies to pay for mold.
Speaker 2: Mold, mold, mold.
Speaker 4: Hey, Brian, aren't insurance companies scared to death about mold?
Speaker 6: They are? And I was just it was resonating with
Speaker 6: me as you were talking there, because we deal with
Speaker 6: this so frequently. Where these remediation companies, you gotta be
Speaker 6: so careful because they come in there and if they do,
Speaker 6: they use scare tactics and they won't even they want to,
Speaker 6: and they won't give you a price. That's the weird thing.
Speaker 6: They'll say, you know what, we don't have time to
Speaker 6: get bids. We need to get going on this right now.
Speaker 6: You just sign here. Let's get going. You know, we'll
Speaker 6: build the insurance company and before you know it. I mean,
Speaker 6: you just have these claims that are out of control,
Speaker 6: or if you end up not making the claim, you
Speaker 6: have a bill that is out of control.
Speaker 13: But they do.
Speaker 6: They try to rip everything out and they want to
Speaker 6: cut the drywall up. And I understand if it's a
Speaker 6: big water claim they have to do certain things, but
Speaker 6: it seems like they do that on relatively minoring By
Speaker 6: the way, By the way.
Speaker 4: I gotta take a break. But she mentioned and I
Speaker 4: want to address it. She didn't want to put in
Speaker 4: a homeowners claimer, wasn't going to and I'm not sure.
Speaker 2: If it's apropos or not. We'll talk about that and
Speaker 2: more coming up.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much. Your coverage at dozens
Speaker 4: of insurance companies find out now three O three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Martine, your troubleshooter three oh three seven one
Speaker 2: three talk three h three seven one three.
Speaker 4: Eight two five five. So we basically I think covered
Speaker 4: everything there. Brian on insurance, why.
Speaker 2: Would she not put in an insurance glam Would that
Speaker 2: be considered a casualty loss? If she discovered this and
Speaker 2: somebody had not years ago put in a flange? Cindy,
Speaker 2: how long ago was that toilet installed?
Speaker 17: Ten years?
Speaker 2: So? Did you have it installed? No?
Speaker 17: It was a handyman from nextdoor dot com.
Speaker 2: No, what I mean is were you Did you own
Speaker 2: the house at the time?
Speaker 13: Oh?
Speaker 17: Yes, yes?
Speaker 2: Okay, So, Brian, if.
Speaker 4: You discovered that somebody did something wrong, and I don't
Speaker 4: know if the timeline's important or not, would it ever
Speaker 4: be covered by homeowners?
Speaker 2: Yeah?
Speaker 6: It could be, But see if it happened over that
Speaker 6: long period of time, it would have to fall underneath
Speaker 6: the coverage of seepage, which is, you know, something that
Speaker 6: not all policies cover, so you would have to have
Speaker 6: an extra writer if the company provided it. But even
Speaker 6: with that said, Tom, depending on the total amount of damage,
Speaker 6: I'm very hesitant to give people a recommendation to make
Speaker 6: a water claim. In general, it would have to be
Speaker 6: a pretty big claim for me to give the advice
Speaker 6: to make the claim in the first place, because.
Speaker 2: Water claims considered considered dirty and do they give you cooties?
Speaker 6: As a they do give you cooties. They are they
Speaker 6: are one of the worst losses that you can have
Speaker 6: for insurance, and specifically for the reason of mold.
Speaker 2: I mean that is I know, but why do they
Speaker 2: Why do they look at people askance when they've had
Speaker 2: some water claims. Do they think that they're looking for
Speaker 2: trouble or no?
Speaker 6: No, I really do think it's more along the lines
Speaker 6: of what is the remaining damage that's there? Did it truly?
Speaker 6: And that's some of the conversations you have with on writers.
Speaker 6: The last was it professionally remediated? You know what exactly happened?
Speaker 6: They want to know that it was something that was
Speaker 6: completely cleaned up. They don't want something that's going to
Speaker 6: come rise up later as far as with mold, whether
Speaker 6: it be liability with mold, you know that someone's breathing
Speaker 6: in or you know just the damage that's caused from it.
Speaker 6: So water is just one of those claims that you
Speaker 6: don't want to make unless it's a pretty substantial claim.
Speaker 2: Okay, So she's pretty accurate in what she's doing at
Speaker 2: this point. Yeah. Did you have a question, Cindy for him,
Speaker 2: he's in the homeowner's insurance business.
Speaker 17: Yeah, well, no, thank you. I did put a homeowner's
Speaker 17: claim in several months ago for a roof because somebody
Speaker 17: said I can get a whole new roof. It was
Speaker 17: so bad and I got denied. They said no it's
Speaker 17: not or well you don't need next couple.
Speaker 2: Wait a minute, Cindy, Now that that you should have
Speaker 2: called a really reputable roof for first, and because once
Speaker 2: you called the insurance company, whether they replaced it or not,
Speaker 2: it counts against you. Did you know that.
Speaker 17: I know that, and I should have called the guy goes.
Speaker 17: You don't even need to call your agent, you can
Speaker 17: just call the company.
Speaker 2: Did you have certain any neighbors getting new roofs?
Speaker 17: No, it was from you know, the hail from a
Speaker 17: year ago.
Speaker 2: No, I understand that. But but you did put in
Speaker 2: a claim, right, you opened an actual claim? Right?
Speaker 17: I did, And so they fixed a little bit of
Speaker 17: my patioto how much?
Speaker 2: How much?
Speaker 17: They gave me three thousand dollars and it costs about
Speaker 17: three thousand, so it was an even But now I've
Speaker 17: got a claim in so yeah.
Speaker 4: But here's what I want you to do. Now that
Speaker 4: you got the black guy have a claim, I want
Speaker 4: you to do something. I want you to re examine
Speaker 4: that claim because you have three years to reopen it.
Speaker 4: What I mean by that is you want somebody you
Speaker 4: can trust to at least give it the once over.
Speaker 4: I would call Excel Roofing and I would just say,
Speaker 4: you know, do I need a roof that here's what
Speaker 4: happened a few years ago, and they only gave me
Speaker 4: three grand I would like to know the condition of
Speaker 4: my roof. I really would, Now, Cindy, why would you
Speaker 4: do that? Because if it turns out that you do
Speaker 4: need a roof, I'm not talking about from old age,
Speaker 4: but you need a roof as a result of that hailstorm.
Speaker 4: Now that you put in a claim, you've actually extended
Speaker 4: the deadline. You know, you only have a year from
Speaker 4: the date of loss. But since you did a claim
Speaker 4: and you got three grand, now you got three years
Speaker 4: to reopen it. If they didn't treat you right, if
Speaker 4: Excel roofing things, you know you probably do need a
Speaker 4: roof and it probably was hurt in that hailstorm more
Speaker 4: than your insurance company said, then I would get an
Speaker 4: insurance adjuster involved. Namely, I would say Paragon Services, Matt Sanford,
Speaker 4: and I would have him open a claim and you
Speaker 4: might be able to get a new roof.
Speaker 2: Now, I'm not saying they weren't honest with you. It
Speaker 2: could be that you only had a few damages, but
Speaker 2: it's very unlikely, very unlikely that three thousand dollars would
Speaker 2: have fixed anything. It almost sounds like they just wanted
Speaker 2: to appease you and get you off their back. Cindy,
Speaker 2: don't take that lightly.
Speaker 14: Now.
Speaker 2: I know you're worried about this toilet.
Speaker 4: Worry about that, do that on your own dime, but
Speaker 4: please do me a favor, and you call Genesis when
Speaker 4: it comes to that. And you can also call Genesis
Speaker 4: about your roof, but you can also call Excel roofing,
Speaker 4: but call a good roofer to give you an opinion
Speaker 4: about your roof and that specific damage.
Speaker 2: They said you had to make sure it's not more extensive.
Speaker 2: Please do that and then let us know, let us
Speaker 2: know what happens. Yes, because I think I have a
Speaker 2: I have a sneaky feeling that you probably have a
Speaker 2: roof coming. How old is that roof, by the way,
Speaker 2: I have no idea.
Speaker 17: Seriously, maybe fifteen eighteen. I don't even know.
Speaker 4: From that one year old storm, from that storm that
Speaker 4: happened a year before that. Were other neighbors getting their
Speaker 4: roofs replaced from that storm? Yes, I okay, Cindy, Then
Speaker 4: please do not wait. I want you to call and
Speaker 4: get this started. Call Genesis. While he's there, he can
Speaker 4: take a look at your roof. I mean, you can
Speaker 4: have it all done with one person looking at it
Speaker 4: if you want. Three O three seven one three talks
Speaker 4: seven to one three eight two five five.
Speaker 2: We got more coming right up.
Speaker 4: Go with a sure thing Denver's Best roofer Excelroofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance checkup, free no obligation comparison call Compass insurance
Speaker 4: 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.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hey, I'm Tom Martino, your troubleshooter three
Speaker 4: oh three seven one three talk seven one three eight
Speaker 4: two five five.
Speaker 2: Okay, I want to show you this real quick. I
Speaker 2: think it's pretty cool. This is a one hundred thousand
Speaker 2: dollars shower. It's like a whole room back there. I
Speaker 2: don't know if you can see it, but I put
Speaker 2: it up on our feed. If you go to referless
Speaker 2: dot com or Troubleshooter Network, not referraless dot com, Troubleshooter
Speaker 2: Network or referless on YouTube, we have a channel.
Speaker 4: Don't look for me, look for Troubleshooter Network. Now, if
Speaker 4: you look at these closely, that is like a whole
Speaker 4: room back there. I think it's a double shower that
Speaker 4: rounded glass, and then I believe it's porcelain walls or
Speaker 4: whatever it is. It's beautiful, but it's pretty darn cool.
Speaker 4: I mean, so what you see is that front part right,
Speaker 4: but it actually goes back and around in a bench.
Speaker 4: It's like a community shower almost. I mean, you know, damn.
Speaker 4: So what's in your mind today where we probably can't
Speaker 4: take a new call? I guess we could, but we're
Speaker 4: not going to. I want to ask Compass Insurance.
Speaker 2: Group if they could come back and recap some of
Speaker 2: the if you did you have any really good insurance
Speaker 2: checkups where you could save people substantial money?
Speaker 6: Well, I actually so, Riley, my son's been here and
Speaker 6: he was actually working on one. So as I know
Speaker 6: that he has an example of one that he got
Speaker 6: that he.
Speaker 2: Go ahead, let's do it, y.
Speaker 6: Can you hear me?
Speaker 2: Yes, sir?
Speaker 6: I had a someone call in your current all state
Speaker 6: customer been there for twenty years, very similar to the
Speaker 6: last situation where they had statementum limits twenty five thousand
Speaker 6: to person, and I noticed while shopping it they had
Speaker 6: no mortgage on the home. So immediately I knew they
Speaker 6: had assets and yet had no protection. So I shopped
Speaker 6: him with one of our companies, came back, saved one thousand,
Speaker 6: seven hundred dollars, and I brought their liability from twenty
Speaker 6: five thousand to person up to one point five million
Speaker 6: and saved him seventeen hundred.
Speaker 2: Oh my god, they had they had only twenty five.
Speaker 6: Thousand, twenty five thousand to person and it paid off
Speaker 6: house worth over seven hundred k.
Speaker 2: They were in serious danger. Plus he saved him money.
Speaker 2: Holy crap.
Speaker 4: That's a great one. And that is uh Riley with compass.
Speaker 4: He's uh his son and he gets my dinger at
Speaker 4: the end of the show.
Speaker 2: That's good. I never got any. They were out of time,
Speaker 2: Thank god. Don't forget referral. Don't forget referral list dot
Speaker 2: com for help, information and referrals. Call three H three
Speaker 2: Martino twenty four to seven that three O three six
Speaker 2: two seven eight four sixty six. Save all your problems
Speaker 2: for us.
Speaker 1: H