WEBVTT 1 00:00:05.240 --> 00:00:10.080 Ripped off news need advice. 2 00:00:09.720 --> 00:00:10.599 So you don't have. 3 00:00:12.759 --> 00:00:14.400 Come running suscess. 4 00:00:14.480 --> 00:00:19.239 As we can show, Shooter's gonna help coming man. 5 00:00:19.960 --> 00:00:24.920 This is the Troubleshooter Show now, Tom Martinez. 6 00:00:25.039 --> 00:00:27.839 Welcome, Welcome, my friends to the only show of its 7 00:00:27.879 --> 00:00:31.760 camera here to solve problems, answer questions, take complaints. We 8 00:00:31.800 --> 00:00:34.200 are here to make your life a little bit better. 9 00:00:34.240 --> 00:00:38.159 You've been ripped off, maybe a bad contractor a crappy landlord, 10 00:00:38.560 --> 00:00:42.679 a horrible dennis. You get the idea. That is what 11 00:00:42.759 --> 00:00:46.000 we deal with day in and day out. To the tune, 12 00:00:46.079 --> 00:00:48.920 listen to this one. So proud of this number. Three 13 00:00:49.000 --> 00:00:54.640 hundred million dollars cash merchandise exchange. His refunds directly due 14 00:00:54.640 --> 00:00:57.840 to this show. Simple as that. So we would love 15 00:00:57.920 --> 00:00:59.840 to nodch some more money today. I want to hear 16 00:00:59.880 --> 00:01:03.439 the register. Click click, click, give us call three oh 17 00:01:03.520 --> 00:01:06.079 three seven one three eight two five five. You got 18 00:01:06.079 --> 00:01:07.879 any problems out there? We have a list of people 19 00:01:07.879 --> 00:01:11.079 who refer this dot com as you know, are just 20 00:01:11.200 --> 00:01:13.920 the best people out there. They help people with problems 21 00:01:14.040 --> 00:01:16.480 like you. They also go out and do some of 22 00:01:16.519 --> 00:01:18.599 our dirty work. They'll go out and make sure a 23 00:01:18.719 --> 00:01:21.200 contractor actually didn't do. 24 00:01:21.239 --> 00:01:21.959 A good job. 25 00:01:22.319 --> 00:01:24.280 We get a lot of calls over the years where 26 00:01:24.359 --> 00:01:27.400 the consumer or the caller, you know, they kind of 27 00:01:27.439 --> 00:01:31.439 stretch the truth a little bit. But that happens when 28 00:01:31.480 --> 00:01:34.840 you have a bad experience with the company. Things tend 29 00:01:34.920 --> 00:01:37.799 to get worse, not better. And that's what we're also 30 00:01:37.879 --> 00:01:40.079 here to talk about day in and day out. By 31 00:01:40.120 --> 00:01:44.400 the way, with me today, Brian Burns, Compass Insurance. Hey Brian, 32 00:01:44.439 --> 00:01:45.079 how are you doing? 33 00:01:45.120 --> 00:01:45.280 Man? 34 00:01:45.400 --> 00:01:47.120 Doing good? Thank you? 35 00:01:47.120 --> 00:01:50.239 You know, I was thinking about insurance in general. Man, 36 00:01:50.280 --> 00:01:52.519 do we all spend a lot of money on insurance? 37 00:01:53.280 --> 00:01:55.840 How many I don't know if you know this number 38 00:01:55.920 --> 00:01:59.920 or not, but how many people don't have a claim 39 00:02:00.079 --> 00:02:01.799 in your average five year period? 40 00:02:01.920 --> 00:02:02.040 Oh? 41 00:02:02.159 --> 00:02:03.599 Man, like ninety percent? 42 00:02:03.719 --> 00:02:07.120 Oh no, he's not here in Colorado and not here No, 43 00:02:07.439 --> 00:02:10.520 I definitely not ninety percent. I mean just from the 44 00:02:10.599 --> 00:02:14.840 influx of people and the renewals coming in, it's it 45 00:02:15.000 --> 00:02:18.639 seems like it's the abnormality where no one has any 46 00:02:18.719 --> 00:02:21.639 where someone doesn't have a claim. Really, Yeah, there's that 47 00:02:21.719 --> 00:02:26.120 many hail claims over the list. Automotive, Yeah, automotive is 48 00:02:26.159 --> 00:02:31.319 probably less than I'm speaking more from a home insurance standpoint. 49 00:02:30.800 --> 00:02:32.719 And simply because of hail, wind fire. 50 00:02:32.840 --> 00:02:36.400 Yeah, well it's almost always hal honestly in Colorado. In Colorado, 51 00:02:36.520 --> 00:02:39.319 it's like you'll see someone had a new roof put on. 52 00:02:39.360 --> 00:02:42.120 You'll see in twenty nineteen or twenty twenty one or 53 00:02:42.120 --> 00:02:44.520 two thousand, you know. I mean, there's just so many 54 00:02:44.560 --> 00:02:46.960 storms that have hit through the last five years. 55 00:02:47.000 --> 00:02:51.199 What's the most drastic change you have seen in the 56 00:02:51.319 --> 00:02:55.319 last seven years, Meaning we've had hail in Colorado forever. 57 00:02:55.800 --> 00:02:57.680 How come all of a sudden, though, we're getting a 58 00:02:57.719 --> 00:03:00.479 lot of calls, I'm not getting renewed. I don't remember 59 00:03:00.560 --> 00:03:03.840 seven years ago getting that. But yet seven years ago 60 00:03:03.879 --> 00:03:07.280 one of the biggest hailstorms ever in Colorado springs. It 61 00:03:07.400 --> 00:03:09.759 was like I think the largest at its time at 62 00:03:09.800 --> 00:03:13.039 topped to billion dollars. But people weren't getting canceled left 63 00:03:13.039 --> 00:03:15.400 in right. Why all of a sudden are we seeing 64 00:03:15.439 --> 00:03:19.560 companies pull out of Colorado and companies canceling. Why wasn't 65 00:03:19.599 --> 00:03:21.479 that happening seven to ten years ago? 66 00:03:21.680 --> 00:03:25.520 Frequency, So it's no longer having that one big storm 67 00:03:25.560 --> 00:03:28.520 every few Now it's all the time you're getting I 68 00:03:28.560 --> 00:03:31.240 mean even last year, there was what five four or 69 00:03:31.240 --> 00:03:35.520 five storms that were catastrophic not to the level of 70 00:03:35.520 --> 00:03:39.800 that Colorado springs one necessarily. Yeah, and so it's the 71 00:03:39.840 --> 00:03:43.319 frequency issue. So now these insurance companies are seeing that 72 00:03:43.479 --> 00:03:46.639 it's going to be very difficult in their current state 73 00:03:46.719 --> 00:03:47.599 to be able to make money. 74 00:03:47.639 --> 00:03:49.879 You were talking auto, and you were saying you were 75 00:03:49.919 --> 00:03:52.520 really focusing on homes. But when it hal's like that, 76 00:03:52.919 --> 00:03:54.680 there's got to be auto claims left in. 77 00:03:54.680 --> 00:03:57.560 Right, Absolutely there is, and there is a lot of 78 00:03:57.599 --> 00:03:58.520 hail claims on auto. 79 00:03:58.719 --> 00:03:59.919 Do you get penalized for that? 80 00:04:00.360 --> 00:04:03.439 If you are let's say you got five grand worth 81 00:04:03.479 --> 00:04:06.759 of dentless paint repair to be done after a hailstorm. 82 00:04:07.000 --> 00:04:10.719 If you put that in, do you get penalized for that? 83 00:04:10.800 --> 00:04:13.400 Because it was an active nature. It's not like you 84 00:04:13.479 --> 00:04:16.279 caused an accident or hit somebody else or you know, 85 00:04:16.439 --> 00:04:19.439 ruined your own car driving into a brick. I mean, 86 00:04:19.480 --> 00:04:22.800 what does that penalize you in Colorado? Because it does 87 00:04:22.879 --> 00:04:29.000 differ by state. In Colorado, you cannot charge for a comprehensive. 88 00:04:28.240 --> 00:04:29.800 Loss, So even if you hit a deer. 89 00:04:29.959 --> 00:04:31.480 So even if you hit a deer, now you can 90 00:04:31.600 --> 00:04:34.759 be underwritten, like going to a new carrier, if you 91 00:04:34.879 --> 00:04:37.759 have multiple comprehensive losses. 92 00:04:37.800 --> 00:04:39.480 I think they might not watch you. They'll just say 93 00:04:39.480 --> 00:04:40.279 they're not going to write it. 94 00:04:40.600 --> 00:04:43.519 That's interesting. But yet you can't be penalized for it 95 00:04:43.560 --> 00:04:46.519 in Colorado. So if it's not your fault, so besides 96 00:04:46.600 --> 00:04:49.800 like a deer or an animal you hit, and besides 97 00:04:49.839 --> 00:04:52.759 a hailstorm, I mean pretty much, that would be it. 98 00:04:52.879 --> 00:04:53.040 Right. 99 00:04:53.040 --> 00:04:55.879 Well, even a collision loss that is a not at fault. 100 00:04:56.040 --> 00:04:58.439 Well, so someone hits you, like you're parked in a 101 00:04:58.519 --> 00:05:00.600 store and you come out, Yes, the front end of 102 00:05:00.639 --> 00:05:02.560 your car's bash exactly. 103 00:05:02.160 --> 00:05:04.720 That would be a not at fall taccident and you're 104 00:05:04.720 --> 00:05:06.959 not going to be charged for it again underwritten. 105 00:05:06.959 --> 00:05:07.639 So even if you. 106 00:05:07.680 --> 00:05:11.199 Have one thousand dollars deductible and you have fifteen hundred 107 00:05:11.240 --> 00:05:14.720 dollars worth of damage to your car, why wouldn't you 108 00:05:14.759 --> 00:05:16.639 turn it in if you can't be punished for it 109 00:05:16.680 --> 00:05:19.399 on renewal? Yeah, I mean if five hundred bucks coming 110 00:05:19.439 --> 00:05:21.160 out of your pocket, no matter how you look at. 111 00:05:21.079 --> 00:05:23.600 It, other than if you're thinking you want to move 112 00:05:23.639 --> 00:05:26.480 to another carrier if you have, and even one of 113 00:05:26.480 --> 00:05:28.600 those is not going to affect you with another carrier. 114 00:05:29.079 --> 00:05:32.519 But if you have multiple losses, even if they're not 115 00:05:32.560 --> 00:05:35.639 at falt or they're comprehensive. It depending on the carrier, 116 00:05:35.720 --> 00:05:37.439 it could limit you if nothing else. 117 00:05:37.519 --> 00:05:39.600 All right, we're going to talk about savings and under 118 00:05:39.600 --> 00:05:40.560 insured over insured? 119 00:05:40.639 --> 00:05:43.519 Is the show? Flows? John? What is going on with 120 00:05:43.560 --> 00:05:44.720 your HOA John? 121 00:05:47.399 --> 00:05:47.639 Hey? 122 00:05:47.680 --> 00:05:49.120 Mark, hey Man, talk to you. 123 00:05:49.560 --> 00:05:50.439 Nice to talk to you. 124 00:05:50.519 --> 00:05:50.720 Jay. 125 00:05:53.839 --> 00:05:57.040 So, Yeah, So I got a letter from my HO 126 00:05:57.920 --> 00:05:59.800 covenant violation a couple months ago. 127 00:06:00.040 --> 00:06:00.800 Always violation. 128 00:06:01.879 --> 00:06:05.720 And I'm like, okay, all right, all right, So it's 129 00:06:06.000 --> 00:06:07.360 a it's a false accusation. 130 00:06:07.639 --> 00:06:08.279 What was the. 131 00:06:08.279 --> 00:06:10.800 Viol What were they claiming you did, whether you did 132 00:06:10.800 --> 00:06:13.199 it or not? Just playing the stereo too laud what. 133 00:06:14.800 --> 00:06:18.279 Banging I'm making banging noises late at night. And here's 134 00:06:18.319 --> 00:06:20.040 the thing, Mark, You know, I work from home. 135 00:06:21.160 --> 00:06:22.839 I'm an it pro. I work from home. 136 00:06:23.040 --> 00:06:26.439 I'm at work at night when this is supposedly happens. 137 00:06:27.000 --> 00:06:28.519 I'm at my computer doing my job. 138 00:06:28.959 --> 00:06:31.040 Well, what are they saying? What are they guessing it is? 139 00:06:31.959 --> 00:06:34.199 If I asked, if I asked whoever complained about it? 140 00:06:34.279 --> 00:06:35.720 What do they what do they think? 141 00:06:35.759 --> 00:06:36.079 It is? 142 00:06:36.160 --> 00:06:38.920 Like like you're taking a hammer and hitting something just 143 00:06:39.240 --> 00:06:41.439 randomly in the middle of the night for no reason. 144 00:06:43.120 --> 00:06:44.319 That's probably what it is. 145 00:06:44.920 --> 00:06:46.360 Yeah, how strange? 146 00:06:46.360 --> 00:06:48.800 As that are these neighbors? Do you know who made 147 00:06:48.839 --> 00:06:49.639 this allegation. 148 00:06:52.079 --> 00:06:55.800 Well, here's the thing. I didn't ask. I didn't I 149 00:06:55.839 --> 00:06:57.160 didn't contact the. 150 00:06:57.519 --> 00:06:59.480 Management company and ask anything, but I kind of I 151 00:06:59.519 --> 00:07:01.639 know who it is. It's my it's my downstairs neighbor 152 00:07:02.040 --> 00:07:03.560 problems with for years. 153 00:07:04.079 --> 00:07:06.040 Is this a condo or a town home? What is 154 00:07:06.079 --> 00:07:08.199 this a condo? Downstairs near the condo? 155 00:07:08.279 --> 00:07:08.519 Mark? 156 00:07:08.639 --> 00:07:09.959 Okay, it's a condo. 157 00:07:10.519 --> 00:07:11.000 Keep going. 158 00:07:11.160 --> 00:07:14.439 So yeah, So I thought, okay, all right, I'll just 159 00:07:14.680 --> 00:07:17.120 make an effort to be quieter, maybe do the laundry 160 00:07:17.439 --> 00:07:18.680 earlier or something like that. 161 00:07:18.800 --> 00:07:20.439 Right, you know, I'll just be a good neighbor. 162 00:07:21.040 --> 00:07:23.560 And then the other day I got another violation notice 163 00:07:23.600 --> 00:07:27.560 from our management company. Same thing, banging, making banging noises 164 00:07:27.560 --> 00:07:30.240 the night. And now there's a fine of two hundred dollars. 165 00:07:30.480 --> 00:07:32.759 Well that that's crazy, But there's no I mean, is 166 00:07:32.759 --> 00:07:34.920 there a recording of it? Don't they have any kind 167 00:07:34.959 --> 00:07:36.399 of evidence or anything. 168 00:07:38.360 --> 00:07:40.399 Well, you know, in the letter I got, it says, 169 00:07:40.439 --> 00:07:43.519 you know, I violated the governance and you know I'm 170 00:07:43.519 --> 00:07:46.560 disrupting the peace and quiet of the of the community. 171 00:07:47.399 --> 00:07:51.920 And it says the neighbor has a video recording but 172 00:07:51.959 --> 00:07:55.040 there's nothing about you know, get this marked. There's nothing 173 00:07:55.040 --> 00:07:59.079 about who, who said it, who the accuser is, what time, 174 00:07:59.160 --> 00:08:00.639 what date, what it is. 175 00:08:00.720 --> 00:08:02.839 Were you able to listen to the video or watch 176 00:08:02.879 --> 00:08:03.319 the video? 177 00:08:04.040 --> 00:08:06.720 No, no, no, I haven't progressed to that point, and 178 00:08:06.800 --> 00:08:09.000 I know I probably will not get any video. 179 00:08:09.040 --> 00:08:10.040 I will not get anything. 180 00:08:10.120 --> 00:08:12.839 I'm pretty sure the management company won't even tell me 181 00:08:12.879 --> 00:08:13.920 who my accuser is. 182 00:08:15.000 --> 00:08:17.000 Well, it's got to be the person below you. I mean, 183 00:08:17.000 --> 00:08:17.800 who else could it be? 184 00:08:17.959 --> 00:08:22.279 You said something about washing clothes a little earlier instead 185 00:08:22.279 --> 00:08:22.680 of later. 186 00:08:22.800 --> 00:08:23.639 Is it possible? 187 00:08:23.680 --> 00:08:26.199 I mean, like, you know, I've heard our washer go 188 00:08:26.360 --> 00:08:29.120 eight before. I mean where it's making noise and things 189 00:08:29.160 --> 00:08:30.720 bouncing around. Could that have been it? 190 00:08:34.000 --> 00:08:34.200 You know? 191 00:08:34.360 --> 00:08:35.080 I think this is. 192 00:08:35.039 --> 00:08:38.080 More of a neighbor dispute with me and my downstairs neighbors. 193 00:08:38.799 --> 00:08:41.519 Let's dive into that then a little further. Prior to 194 00:08:41.600 --> 00:08:45.279 all of this, what happened? How did this become an 195 00:08:45.399 --> 00:08:47.000 issue between you and the neighbor. 196 00:08:48.960 --> 00:08:50.759 Well, I've had a problem with this neighbor for years. 197 00:08:51.200 --> 00:08:54.799 I've had a problem with them with their dogs barking. 198 00:08:54.960 --> 00:08:55.600 I've had a. 199 00:08:55.519 --> 00:09:00.519 Problem with them coming home driving drunk. To call the 200 00:09:00.519 --> 00:09:04.720 police on them, report them, report them for drunk driving the. 201 00:09:05.799 --> 00:09:06.840 Course parking lot. 202 00:09:07.080 --> 00:09:09.200 Yeah, I mean this is crazy. I get it. So 203 00:09:09.279 --> 00:09:11.679 where so where are we at? Now? What's the question? 204 00:09:13.679 --> 00:09:16.240 Well, the question is is you know I'm at the 205 00:09:16.399 --> 00:09:19.240 stage here where the letter says, you know, I think 206 00:09:19.279 --> 00:09:21.399 you know, I have thirty days to pay this two 207 00:09:21.480 --> 00:09:25.279 hundred dollars or I can request a hearing. And I know, 208 00:09:25.360 --> 00:09:27.879 I know this isn't going to go well, Mark, And 209 00:09:28.080 --> 00:09:31.279 I also know that since this is number two, the 210 00:09:31.320 --> 00:09:33.480 second time this has happened, I have a feeling that 211 00:09:33.519 --> 00:09:35.720 this is going to start happening on a regular basis. Mark, 212 00:09:36.200 --> 00:09:38.480 this is going to be where my neighbor has figured 213 00:09:38.519 --> 00:09:44.080 out like that HUA management company to you know, find 214 00:09:44.120 --> 00:09:46.879 me two hundred or plus dollar or even more because 215 00:09:46.919 --> 00:09:47.679 the fines go up. 216 00:09:47.799 --> 00:09:49.759 Well, I would definitely talk about it. 217 00:09:50.320 --> 00:09:52.159 I would definitely ask for the hearing. 218 00:09:52.159 --> 00:09:53.279 Things increasing, and. 219 00:09:55.519 --> 00:09:57.639 I would definitely ask for the hearing. I mean, I 220 00:09:57.639 --> 00:10:00.679 wouldn't even think twice about it. And honestly, is there 221 00:10:00.759 --> 00:10:03.639 dog still barking? Is there anything that you can complain 222 00:10:03.759 --> 00:10:06.320 and retaliate? And I'm not saying that's the best idea, 223 00:10:06.360 --> 00:10:09.360 but my god, it's already it's already elevated to the 224 00:10:09.440 --> 00:10:11.879 level we're talking about. It's crazy. You know what I 225 00:10:11.960 --> 00:10:15.240 would like to do, Hey, Kelly, let's get Brad O'Brien on. 226 00:10:15.679 --> 00:10:17.759 I want to ask him something that has to do 227 00:10:17.799 --> 00:10:21.679 with ho a's he's our attorney for anything real estate. 228 00:10:21.679 --> 00:10:23.240 Shout, I'm going to put you on hold, hold tight. 229 00:10:23.279 --> 00:10:25.639 I want to ask Brad a couple questions, but I 230 00:10:25.679 --> 00:10:28.000 mean the hearing would be the first thing. Three oh 231 00:10:28.120 --> 00:10:30.399 three seven one, three eight two five five. I want 232 00:10:30.440 --> 00:10:32.759 to hear from you. We got three lines open three 233 00:10:33.039 --> 00:10:34.399 zero three Martino. 234 00:10:39.639 --> 00:10:42.879 Go with a sure thing Denver's best roofer Excel Roofing 235 00:10:43.000 --> 00:10:45.639 dot com. You don't pay a cent until you're content. 236 00:10:49.000 --> 00:10:52.200 Time for an insurance check up free, no obligation. In comparison, 237 00:10:52.320 --> 00:10:55.879 call Compass Insurance. Pay too much your coverage at dozens 238 00:10:55.879 --> 00:10:58.639 of insurance companies find out now three oh three, seven 239 00:10:58.639 --> 00:11:00.559 to seven to one. Help you'll I think you're his 240 00:11:00.720 --> 00:11:03.320 only customer when you choose Frank durand the real estate 241 00:11:03.360 --> 00:11:06.600 man dot com to list your home with Remax Alliance 242 00:11:06.840 --> 00:11:10.879 three all three nine two zero sixteen twenty two. 243 00:11:11.200 --> 00:11:14.080 All right, welcome, By the way, Dmitri just walked in. 244 00:11:14.200 --> 00:11:17.200 We also have Deputy Chopper, Deputy Bow. Everybody here is 245 00:11:17.360 --> 00:11:21.639 biting what does that say? Chomping on the bit to 246 00:11:21.759 --> 00:11:24.159 help you to solve your problems, answer your questions. We 247 00:11:24.200 --> 00:11:25.879 do have two lines open. I got one of our 248 00:11:25.919 --> 00:11:29.159 experts up at referral list dot com if you're new 249 00:11:29.200 --> 00:11:32.320 to the show. We have all kinds of attorneys, contractors, 250 00:11:32.399 --> 00:11:35.159 flooring people, you pretty much name it. We have them 251 00:11:35.159 --> 00:11:38.000 on referral list dot com and they're always there to 252 00:11:38.080 --> 00:11:40.480 help us, and this is one of them right here. 253 00:11:40.559 --> 00:11:43.759 In fact, Brad O'Brien has been our real estate attorney 254 00:11:44.399 --> 00:11:47.000 for many many years. He comes into studio with us 255 00:11:47.039 --> 00:11:49.840 and he's the go to guy, whether you're a landlord 256 00:11:50.480 --> 00:11:53.320 dealing with a bad tenant that maybe you need help 257 00:11:53.360 --> 00:11:55.919 with an eviction or just writing a lease, or a 258 00:11:55.960 --> 00:11:59.720 couple buying a house together is a great example, but 259 00:11:59.759 --> 00:12:02.639 they're not married. I mean, there's certain things you might 260 00:12:02.720 --> 00:12:05.200 not think about. And then of course we talked about 261 00:12:05.200 --> 00:12:09.600 this at length, Brad. These these new home contracts like 262 00:12:09.720 --> 00:12:12.679 Lenar Holmes or KB, how different they are than the 263 00:12:12.720 --> 00:12:16.320 standard Colorado real estate contract. And you could even have 264 00:12:16.440 --> 00:12:18.600 a house being built for you that you thinks a 265 00:12:18.679 --> 00:12:22.080 half a million, and then come closing time they actually 266 00:12:22.080 --> 00:12:24.480 want to charge you another one hundred thousand. So you 267 00:12:24.600 --> 00:12:27.320 need a good attorney to look over all these. But 268 00:12:27.399 --> 00:12:28.799 I got a question for you that I'm going to 269 00:12:28.840 --> 00:12:31.320 bring John Upsey if he has any questions. But when 270 00:12:31.320 --> 00:12:35.039 it comes to an HOA, John lives in a condominium 271 00:12:35.519 --> 00:12:38.840 and the people below him, they just have not been 272 00:12:38.840 --> 00:12:41.919 getting along. John's called the cops on them. I assume 273 00:12:42.000 --> 00:12:45.159 they've called the cops on him. He's complained about their 274 00:12:45.240 --> 00:12:48.799 dog barking. They're complaining he's too loud at night, making 275 00:12:49.120 --> 00:12:51.600 like hammering sounds. I mean, it's like the hat feel 276 00:12:51.639 --> 00:12:54.480 in the McCoy's man. It doesn't sound like a good deal. 277 00:12:54.759 --> 00:12:56.639 I don't think it's going to be fixed. But now 278 00:12:56.720 --> 00:13:00.519 the HOA sent him a letter. In the first first letter, 279 00:13:00.600 --> 00:13:03.440 John basically was warning you that you might get a 280 00:13:03.519 --> 00:13:07.440 fine if you're still breaking the noise ordinance at night. 281 00:13:07.600 --> 00:13:11.799 Right then you received a second letter with a basically 282 00:13:11.799 --> 00:13:13.279 a bill for two hundred dollars. 283 00:13:13.360 --> 00:13:15.200 Do I have that basically correct? 284 00:13:16.600 --> 00:13:17.759 That's exactly right, Mark. 285 00:13:17.840 --> 00:13:20.480 So Brad, let me ask you something, how does that 286 00:13:20.600 --> 00:13:24.320 even work? In other words, if someone accuses me of 287 00:13:24.320 --> 00:13:27.720 something like a cop and I realize this isn't criminal, 288 00:13:28.039 --> 00:13:31.679 but I generally have my time in court, I get 289 00:13:31.720 --> 00:13:34.000 to state my story. And John said he could go 290 00:13:34.080 --> 00:13:37.759 to a hearing, But do they have to allow him 291 00:13:37.879 --> 00:13:41.200 if this guy's got like video evidence or audio evidence 292 00:13:41.320 --> 00:13:41.879 or something. 293 00:13:42.039 --> 00:13:43.440 I mean, how do these hearings go? 294 00:13:43.720 --> 00:13:46.240 How does an HOA have the power just to say 295 00:13:46.519 --> 00:13:48.879 give us two hundred dollars and there's no evidence. 296 00:13:49.159 --> 00:13:51.039 So just give me some thoughts on that. 297 00:13:51.080 --> 00:13:55.600 In general, brad Well, many ha residential huas have a 298 00:13:55.600 --> 00:14:00.000 no nuisance covenant. That's say, one member or tenant can 299 00:14:00.080 --> 00:14:03.000 not cause nuisance against another tenant. So it's very subjective. 300 00:14:04.080 --> 00:14:08.399 And you reckon to a noise ordinance, that's that's highly 301 00:14:08.639 --> 00:14:09.360 it's pretty rare. 302 00:14:09.600 --> 00:14:12.840 Well, let me take that back. It wasn't actually an ordinance. 303 00:14:12.879 --> 00:14:16.200 It was a noise complaint. Basically, they were saying he 304 00:14:16.360 --> 00:14:20.200 was making hammering sounds or some kind of sounds late 305 00:14:20.240 --> 00:14:23.279 at night. Not not necessarily an ordinance. 306 00:14:23.840 --> 00:14:26.879 Yeah, very few municipalities actually have something on the books. 307 00:14:26.600 --> 00:14:27.080 To see this. 308 00:14:27.200 --> 00:14:28.919 This number of deaths understood. 309 00:14:29.639 --> 00:14:31.279 So if you have something like that, that's actually very 310 00:14:31.320 --> 00:14:34.480 helpful because that gives you an objective measures of measure 311 00:14:34.519 --> 00:14:37.600 of measuring the noise. Yeah, but usually that's not the case. 312 00:14:37.919 --> 00:14:41.240 Usually it's very subjective, you know. And how much is 313 00:14:41.279 --> 00:14:45.200 too much dog barking or yelling or walking with heart 314 00:14:45.279 --> 00:14:48.600 with you know, hard shoes on a hardwood floor. 315 00:14:48.879 --> 00:14:50.480 Yeah, that's but but that's what I mean. 316 00:14:50.600 --> 00:14:52.759 So what do you when you have two neighbors And 317 00:14:53.240 --> 00:14:55.799 I'm not necessarily talking about these guys, but in general 318 00:14:55.840 --> 00:14:58.279 we get these call all the time. They're just going 319 00:14:58.320 --> 00:15:00.320 at it. I mean, they don't like each other. It's 320 00:15:00.320 --> 00:15:02.200 probably not going to be fixed. But all of a 321 00:15:02.240 --> 00:15:04.879 sudden one of them's getting fined. It's like what does 322 00:15:04.919 --> 00:15:07.720 he do? Step the pace up and start saying they're 323 00:15:07.759 --> 00:15:08.960 dogs barking too much? 324 00:15:09.080 --> 00:15:11.159 Or I mean like, really, what are you supposed to 325 00:15:11.240 --> 00:15:11.559 do in. 326 00:15:11.519 --> 00:15:14.440 A case like this when both sides are going at 327 00:15:14.480 --> 00:15:14.960 each other? 328 00:15:15.240 --> 00:15:17.519 Well, yeah, colrad A law gives a lot of deference 329 00:15:17.559 --> 00:15:22.120 to hoa's to self manage themselves. And so if if 330 00:15:22.120 --> 00:15:28.080 a HOA declaration gives the board the right to levy 331 00:15:28.120 --> 00:15:32.039 fines for nuisance and excessive noise, then they have that right. 332 00:15:32.200 --> 00:15:34.039 And if you don't like it, you know, you. 333 00:15:34.039 --> 00:15:36.960 Should have you should have checked the h You should 334 00:15:36.960 --> 00:15:38.840 have checked the covenance before you moved in. 335 00:15:38.919 --> 00:15:41.039 Basically, yeah, but follow. 336 00:15:40.879 --> 00:15:45.759 The appeal the pill procedures within the HOA itself. Ultimately, 337 00:15:45.799 --> 00:15:47.440 if you're not satis with that, you'd have to go 338 00:15:47.440 --> 00:15:50.039 to the court to try to overturn. But then that's 339 00:15:50.440 --> 00:15:51.320 very expensive. 340 00:15:51.440 --> 00:15:53.639 Well, for a two hundred dollars fine, that's crazy, But 341 00:15:53.679 --> 00:15:55.759 I'll be honest, Brad, I didn't even know that was 342 00:15:55.799 --> 00:15:58.600 a possible remedy. So you're saying, if he goes to 343 00:15:58.679 --> 00:16:01.919 the hearing and they doesn't go the way he wants, 344 00:16:02.000 --> 00:16:04.879 they don't allow him to see any evidence. They basically 345 00:16:04.960 --> 00:16:07.440 just say, hey, you're paying the moneys and just kind 346 00:16:07.440 --> 00:16:10.960 of end it there. He can actually bring that to 347 00:16:11.039 --> 00:16:14.519 what to like, the municipality or the county. 348 00:16:14.600 --> 00:16:17.399 Yeah, go to court and it basically be an abuse 349 00:16:17.440 --> 00:16:20.879 of discretion claim that the HUA eleven finds where didn't 350 00:16:20.879 --> 00:16:23.320 have the right to do it. Interesting in a case 351 00:16:23.360 --> 00:16:24.600 where the fact didn't support it. 352 00:16:25.320 --> 00:16:30.279 But it's just out of curiosity, Brad, I understand that's 353 00:16:30.320 --> 00:16:32.360 crazy for a two hundred dollars fine, that could cost 354 00:16:32.440 --> 00:16:35.360 a fortune and attorney's feast. But let's pretend money is 355 00:16:35.399 --> 00:16:39.320 no object when you get to the court steps. Is 356 00:16:39.399 --> 00:16:42.000 their true discovery at that point where they would have 357 00:16:42.120 --> 00:16:46.559 to prove that this noise, this noise was actually being 358 00:16:46.600 --> 00:16:49.919 made by John? Would they have to enter into that evidence? 359 00:16:50.039 --> 00:16:52.240 Is there actual discovery at that point? 360 00:16:52.960 --> 00:16:54.639 Court cases do have discovery rights? 361 00:16:54.919 --> 00:16:55.360 Wow? 362 00:16:55.720 --> 00:16:57.519 That that type of discovery that would be based on 363 00:16:57.600 --> 00:17:01.679 somebody's oral testimony that they heard these noises. 364 00:17:01.799 --> 00:17:02.919 Yeah, you wouldn't. 365 00:17:03.000 --> 00:17:04.920 You wouldn't ahead until you're out of hearing your trial. 366 00:17:05.000 --> 00:17:06.599 Yeah, that's what I mean. John, Do you have any 367 00:17:06.680 --> 00:17:07.599 questions for Brad? 368 00:17:07.640 --> 00:17:11.119 And honestly, I never let you really ask the question 369 00:17:11.240 --> 00:17:14.079 you had because I just started thinking about an old 370 00:17:14.119 --> 00:17:17.000 neighbor that I had that we just couldn't until we moved. 371 00:17:17.119 --> 00:17:20.000 Nothing ever got fixed on it. So what questions do 372 00:17:20.039 --> 00:17:20.759 you have for Brad? 373 00:17:21.839 --> 00:17:22.920 Well Mark? 374 00:17:23.000 --> 00:17:23.400 And Brad? 375 00:17:23.440 --> 00:17:27.400 You know, I can see we have a hoa that 376 00:17:28.039 --> 00:17:30.160 likes to make up their own rules and do their 377 00:17:30.200 --> 00:17:33.240 own enforcements, even things that aren't in the covenants or 378 00:17:33.359 --> 00:17:36.640 art in policies. So I can see hearing not going 379 00:17:36.640 --> 00:17:40.039 well for me, and then I can see this neighbor 380 00:17:40.160 --> 00:17:43.720 now that they've they've caused me pain, I can see 381 00:17:43.720 --> 00:17:47.480 them starting you know every month with this complaint. 382 00:17:47.799 --> 00:17:50.319 Well I can see it too, I mean, or. 383 00:17:50.359 --> 00:17:51.960 Even every week every week. 384 00:17:52.960 --> 00:17:55.640 Well, I mean, I don't know, like I mean, you're 385 00:17:55.680 --> 00:17:58.400 asking me to put my shrink hat on. I mean, 386 00:17:58.519 --> 00:18:00.599 I ended up moving. I'll tell you here. I'll give 387 00:18:00.599 --> 00:18:01.680 you a real quick story. 388 00:18:01.920 --> 00:18:02.480 This lady. 389 00:18:02.519 --> 00:18:04.720 And when you said you're washing or drying machine, you 390 00:18:04.759 --> 00:18:07.559 started doing clothes a little earlier. They would hate when 391 00:18:07.640 --> 00:18:11.640 we got home from work and did a load of 392 00:18:11.880 --> 00:18:15.279 wash anytime like after eight o'clock. They'd go absolutely crazy. 393 00:18:15.480 --> 00:18:18.640 They started complaining to people and it was just nuts. 394 00:18:18.680 --> 00:18:21.599 It got really bad. At one point, you know, I 395 00:18:21.680 --> 00:18:25.480 think her and her and myself were throwing chicken wings 396 00:18:25.480 --> 00:18:27.720 at each other from the balcony and you think I'm 397 00:18:27.839 --> 00:18:28.680 you think I'm lying. 398 00:18:28.759 --> 00:18:29.400 I'm not lying. 399 00:18:29.480 --> 00:18:32.319 That's how bad it got. But then but then she 400 00:18:32.440 --> 00:18:36.000 had a baby, and the baby was the most colicky 401 00:18:36.079 --> 00:18:38.839 thing I've ever seen in my life. And this thing 402 00:18:38.960 --> 00:18:42.119 cried all the time, and I would complain all the time, 403 00:18:42.400 --> 00:18:45.440 and it just became this thing back and forth, and 404 00:18:45.640 --> 00:18:49.079 until we literally moved and bought our first house, it 405 00:18:49.160 --> 00:18:51.519 wasn't going to end. So John, I would say, you 406 00:18:51.640 --> 00:18:55.079 probably got to move or you gotta start getting really mean. 407 00:18:58.079 --> 00:18:58.519 Well, here's a. 408 00:18:58.559 --> 00:18:59.920 Question for bred how about small plan? 409 00:19:00.759 --> 00:19:01.839 What would you sue him for? 410 00:19:01.920 --> 00:19:04.680 Brad Well, scot Clan's court is a place where you 411 00:19:04.720 --> 00:19:06.039 go to get a little bit of money up to 412 00:19:06.079 --> 00:19:08.720 seventy five hundred dollars. This is not something that can 413 00:19:08.759 --> 00:19:11.400 be resolve money. This is something that has resolved with 414 00:19:11.440 --> 00:19:14.359 an injunctive order and that's something that truly it would 415 00:19:14.440 --> 00:19:18.279 take a county court, district court or judge to issue. 416 00:19:18.400 --> 00:19:20.559 Did you ever try just to bury the hatchet? Go 417 00:19:20.680 --> 00:19:22.519 down there and knock on the door and bring him 418 00:19:22.599 --> 00:19:23.839 like a pie or something. 419 00:19:25.759 --> 00:19:29.480 I'm being serious as hell, John, this. 420 00:19:29.519 --> 00:19:33.720 Neighbor mark, you know, like I said, the drunk driving, 421 00:19:33.920 --> 00:19:34.759 the dog barking. 422 00:19:34.839 --> 00:19:35.480 Yeah, yeah, I know. 423 00:19:35.559 --> 00:19:37.759 But now but now it's starting to cost you money 424 00:19:37.799 --> 00:19:39.039 and it's costing you time. 425 00:19:39.880 --> 00:19:42.319 Well, how about if I put okay, let me off 426 00:19:42.400 --> 00:19:44.000 for this years ago? 427 00:19:44.279 --> 00:19:46.480 How about if I put one of our deputies on it. 428 00:19:46.640 --> 00:19:49.319 How about if I put somebody on it like Scott. 429 00:19:49.680 --> 00:19:52.400 He's got a great demeanor for something like this, to 430 00:19:52.480 --> 00:19:55.039 see if we can't work something out to where you 431 00:19:55.079 --> 00:20:01.920 guys aren't always on the offensive. Sure, I love that idea. 432 00:20:01.960 --> 00:20:04.480 Hold on, I'm gonna put you on hold. Hey, hey, 433 00:20:04.759 --> 00:20:07.920 Brad O'Brien. Stuff like this is really tough, right, I 434 00:20:07.920 --> 00:20:11.759 mean everybody, generally, most people in life get a bad neighbor. 435 00:20:12.079 --> 00:20:14.400 This guy's got a bad neighbor. I'm sure that neighbor 436 00:20:14.440 --> 00:20:17.359 thinks he's got a bad neighbor. She's got a bad neighbor. 437 00:20:17.640 --> 00:20:20.400 But I mean, really, there's not much you're gonna do 438 00:20:20.440 --> 00:20:23.880 about a situation like this. Hopefully I can have Scott 439 00:20:23.920 --> 00:20:25.519 call up and try to make the peace. 440 00:20:25.599 --> 00:20:26.880 What do you think of that idea? 441 00:20:27.599 --> 00:20:29.960 Yeah, this has more of a practical resolution rather than 442 00:20:29.960 --> 00:20:32.000 a court resolution. Yeah, the courts really are. 443 00:20:32.640 --> 00:20:33.519 And also, people. 444 00:20:33.319 --> 00:20:35.759 Don't in an apartment building or condo building don't have 445 00:20:35.799 --> 00:20:38.359 a right to absolute silence. There's an impride. 446 00:20:38.400 --> 00:20:40.359 It's impossible, there's a presumption. 447 00:20:40.000 --> 00:20:42.720 That there's gonna be some noises, abies and people having 448 00:20:42.720 --> 00:20:45.880 dinner and walking around. It's really when it's successive, like 449 00:20:46.000 --> 00:20:47.880 something blasting their stereo. 450 00:20:48.359 --> 00:20:49.079 Here's what I love. 451 00:20:49.200 --> 00:20:50.359 You can probably do something about it. 452 00:20:50.720 --> 00:20:51.440 I love this. 453 00:20:51.640 --> 00:20:56.279 I love that Hopefully Scott can work this out between 454 00:20:56.319 --> 00:20:57.920 these two so it doesn't go any further. 455 00:20:58.000 --> 00:21:00.240 And John, don't forget John. I know you're listening. 456 00:21:01.279 --> 00:21:03.839 Make sure you leave your information for Scott so he 457 00:21:03.880 --> 00:21:05.640 can start digging into how he wants to. 458 00:21:05.599 --> 00:21:09.039 Move forward with this. But you do have the hearing 459 00:21:09.079 --> 00:21:09.599 coming up. 460 00:21:09.640 --> 00:21:12.720 You might very well win this hearing if there's not 461 00:21:12.960 --> 00:21:14.799 like crazy evidence or something. 462 00:21:15.559 --> 00:21:16.359 It's just crazy. 463 00:21:16.400 --> 00:21:18.200 And when I was at the hearing, I would tell 464 00:21:18.240 --> 00:21:20.960 them I'd be like, I've seen this guy driving drunk. 465 00:21:21.000 --> 00:21:22.359 I've seen this. I've seen that. 466 00:21:22.599 --> 00:21:24.839 Although that might not be the best idea now that 467 00:21:24.880 --> 00:21:26.720 we're trying to work it out in a different way, 468 00:21:27.119 --> 00:21:30.160 but you might say, hey, this isn't our first rodeo together. 469 00:21:30.519 --> 00:21:31.799 We've both been this way. 470 00:21:31.839 --> 00:21:34.119 I'm trying to reach out to him and come to 471 00:21:34.240 --> 00:21:36.519 some kind of amends with them, but let's go from there. 472 00:21:36.559 --> 00:21:40.319 Brad O'Brien, I appreciate it as always, And I'm telling 473 00:21:40.319 --> 00:21:43.599 you landlords out there in Colorado, if you have not 474 00:21:43.880 --> 00:21:47.880 updated your lease in a long time, even meaning two 475 00:21:47.960 --> 00:21:50.960 or three years, so many rules have changed, you better 476 00:21:51.039 --> 00:21:54.559 make sure you got something that actually is within the law. 477 00:21:54.599 --> 00:21:56.720 You better call up Brad. He can help you with that. 478 00:21:57.039 --> 00:22:01.920 Seven two zero three seventy seventy three eighty eight. Brad O'Brien, 479 00:22:02.119 --> 00:22:05.680 O ls law dot com. Kenny's got an issue with 480 00:22:05.720 --> 00:22:09.400 a with a service auto shop. We're gonna dive into that, 481 00:22:09.799 --> 00:22:12.759 Deputy Scott, go get John's information. I really get on 482 00:22:12.799 --> 00:22:14.880 the mic there. You think you're gonna be good at this. 483 00:22:14.960 --> 00:22:17.200 I want you to reach out to the neighbor and say, 484 00:22:17.200 --> 00:22:18.519 how do we make peace here? 485 00:22:18.599 --> 00:22:18.960 Man? 486 00:22:19.519 --> 00:22:19.720 Yeah? 487 00:22:19.759 --> 00:22:22.440 I mean we can definitely look into it. 488 00:22:22.599 --> 00:22:24.960 Sometimes the hoas are tough, and then if. 489 00:22:24.839 --> 00:22:27.039 You can't pull it off, I'll give it to Vinnie. 490 00:22:32.240 --> 00:22:35.480 Go with a sure thing Denver's Best roofer Excel Roofing 491 00:22:35.599 --> 00:22:38.240 dot com. You don't pay a cent until you're content. 492 00:22:41.599 --> 00:22:44.799 Time for an insurance check up free, no obligation. In comparison, 493 00:22:44.920 --> 00:22:48.480 call Compass Insurance paying too much your coverage at dozens 494 00:22:48.519 --> 00:22:51.240 of insurance companies find out now three o three seven 495 00:22:51.240 --> 00:22:53.599 to seven to one help. You'll think you're his only 496 00:22:53.680 --> 00:22:56.160 customer when you choose Frank Durand the real estate Man 497 00:22:56.200 --> 00:22:59.920 dot com to list your home with Remax Alliance three 498 00:23:00.079 --> 00:23:05.079 nine two zero sixteen twenty two. 499 00:23:06.559 --> 00:23:08.920 All right, folks, three oh three seven one three eight 500 00:23:09.000 --> 00:23:12.640 two five five. Hey, Kelly, make sure we get all 501 00:23:12.720 --> 00:23:17.440 John's information for Scott. Please three oh three seven one, three, eight, two, 502 00:23:17.559 --> 00:23:19.319 five five. I want to hear from you you've been 503 00:23:19.400 --> 00:23:22.759 ripped off or taken advantage of Hey guys, hey Brian 504 00:23:23.039 --> 00:23:26.119 Brian Burn's Compass insurance. Did you ever have a bad 505 00:23:26.160 --> 00:23:28.640 neighbor like that? I was telling some bad neighbors stories 506 00:23:28.720 --> 00:23:32.519 during the break. Unfortunately I have had two in my life. 507 00:23:32.559 --> 00:23:35.240 I mean generally speaking, we've lived in a lot of homes, 508 00:23:35.240 --> 00:23:36.880 so you know where we live now. 509 00:23:36.920 --> 00:23:40.880 I love them. But if you actually experienced a bad neighbor. 510 00:23:40.839 --> 00:23:44.000 We not necessarily a bad neighbor, but we lived in 511 00:23:44.000 --> 00:23:46.759 a condo when we first got married. Tough, and yet 512 00:23:46.839 --> 00:23:50.960 people below and above you and you, Yeah, it's noisy, 513 00:23:51.000 --> 00:23:53.599 and you hear them, you know, running around, You sear 514 00:23:53.759 --> 00:23:57.640 kids running around. It a conda's hard because there, especially if. 515 00:23:57.519 --> 00:24:00.640 You're under Yeah, we were the one over with lady 516 00:24:00.680 --> 00:24:02.839 and I mean I get it. I mean we were big. 517 00:24:03.039 --> 00:24:05.839 The washing machine, you know, and dryer makes some noise 518 00:24:05.880 --> 00:24:06.319 when it's on. 519 00:24:06.400 --> 00:24:07.079 It's just the way. 520 00:24:07.119 --> 00:24:09.039 There's nothing you can really do, and so no, I 521 00:24:09.039 --> 00:24:11.400 mean we didn't like complain about it, but it was noisy. 522 00:24:11.480 --> 00:24:13.400 We had people above us and it was definitely noisy. 523 00:24:13.440 --> 00:24:15.960 About that is when her baby was louder than my 524 00:24:16.200 --> 00:24:19.759 washing machine. You know, everybody was like, oh h was like, 525 00:24:19.799 --> 00:24:23.000 oh that's different. I'm like, there's nothing different. The noise 526 00:24:23.119 --> 00:24:26.200 is noise. I mean, it's absurd to say it's different. 527 00:24:27.240 --> 00:24:28.960 I know there's people out there going it is. 528 00:24:29.160 --> 00:24:30.480 No, it's not. It's not different. 529 00:24:30.519 --> 00:24:32.160 Want more annoying. 530 00:24:32.400 --> 00:24:35.240 The child screaming is more annoying. You ever been on 531 00:24:35.319 --> 00:24:36.920 a plane with the screaming kid? 532 00:24:37.359 --> 00:24:41.079 Yes, yeah, it's annoying. As parents, it's. 533 00:24:40.920 --> 00:24:43.880 Like, my god, Hey, Kenny, what is going on with you? 534 00:24:48.319 --> 00:24:54.000 Hey Kenny, Ynny? I'm doing good? 535 00:24:54.039 --> 00:24:54.240 Man? 536 00:24:54.279 --> 00:24:58.240 How are you doing great? You sound like. 537 00:24:58.200 --> 00:25:01.680 You're five hundred feet away from Shannon. I don't know 538 00:25:01.680 --> 00:25:03.559 if you can bring him up a little, but I 539 00:25:03.599 --> 00:25:07.039 can barely hear him. 540 00:25:07.440 --> 00:25:08.599 Mark, I have the. 541 00:25:08.559 --> 00:25:09.680 Phone close to my mouth. 542 00:25:09.799 --> 00:25:11.839 Now you're good, Go on, man, what's going on? 543 00:25:12.279 --> 00:25:12.640 Okay? 544 00:25:13.319 --> 00:25:16.160 So a month ago I took I have a two 545 00:25:16.200 --> 00:25:19.000 thousand and eight callac Escalade and I had an oil leak, 546 00:25:19.680 --> 00:25:23.599 and I took it in. I have car Shield, so Cassio. 547 00:25:23.960 --> 00:25:26.960 I looked on their site and it's a shop they recommended. 548 00:25:27.000 --> 00:25:30.279 I took it to him. Car Shield took care of everything. 549 00:25:30.480 --> 00:25:33.839 The shop looked at it and said, okay, it was 550 00:25:34.359 --> 00:25:38.839 some seals, and they also replaced my transmission. While at wow, 551 00:25:38.960 --> 00:25:39.960 it's deductible. 552 00:25:40.279 --> 00:25:40.920 That's awesome. 553 00:25:40.960 --> 00:25:42.839 How much was it? Take hold on, tell me a 554 00:25:42.839 --> 00:25:45.079 little bit about it. How much was the deductible? Like 555 00:25:45.119 --> 00:25:46.200 five hundred one thousand? 556 00:25:46.279 --> 00:25:48.119 What it was? 557 00:25:48.119 --> 00:25:49.480 Two hundred dollars deductible? 558 00:25:49.559 --> 00:25:50.519 Man, you can't beat that. 559 00:25:50.759 --> 00:25:53.599 And you got a new transmission, and then some like 560 00:25:53.680 --> 00:25:55.759 seals like maybe an oil pan or something. 561 00:25:57.039 --> 00:25:59.880 It was it was an upper upper something. 562 00:25:59.720 --> 00:26:03.319 Sealed and maybe the main locations right. 563 00:26:03.400 --> 00:26:06.599 And I actually paid additional because there was some heater 564 00:26:06.720 --> 00:26:09.839 hoses that wasn't covered. But I paid floridose to be replaced. 565 00:26:09.839 --> 00:26:11.680 No big deal, Hey, out of curiosity? 566 00:26:11.720 --> 00:26:14.160 How much if you had to pay cash for everything, 567 00:26:14.200 --> 00:26:16.319 how much was it like five grand or something? 568 00:26:17.119 --> 00:26:18.559 It would have been like five grand? 569 00:26:18.599 --> 00:26:18.880 Yes? 570 00:26:18.920 --> 00:26:20.480 Wow? Okay, So what's going on? 571 00:26:22.039 --> 00:26:25.039 So I got the car back home end up and 572 00:26:25.079 --> 00:26:29.160 it's still leaking oil. I took it back today. They 573 00:26:29.200 --> 00:26:31.759 called me and said, hey, we need to replace two 574 00:26:31.759 --> 00:26:35.400 more gaskets. Carshield is covering those gaskets, but they want 575 00:26:35.440 --> 00:26:39.200 to charge me additional deductible. I don't think is right 576 00:26:39.279 --> 00:26:41.359 because I think they should have called it the first time. 577 00:26:41.559 --> 00:26:44.000 Well wait, wait, wait, wait, Kenny, Kenny, let me ask 578 00:26:44.039 --> 00:26:47.079 you something. Is it something different? 579 00:26:49.559 --> 00:26:51.640 Well it's an oil league is No, it. 580 00:26:51.519 --> 00:26:52.799 Doesn't matter a car. 581 00:26:52.920 --> 00:26:55.799 Listen, I'm not My goal in life's not to argue 582 00:26:55.839 --> 00:26:57.960 with you, but I'm trying to figure something out. 583 00:26:58.160 --> 00:27:00.400 Good it's it was something. 584 00:27:00.920 --> 00:27:04.359 It's completely different, right, it's a different seal, a different 585 00:27:04.440 --> 00:27:08.200 gasket that's leaking oil. Yes, okay, then it's going to 586 00:27:08.240 --> 00:27:11.359 be a different deductible. Whether the shop should have called 587 00:27:12.160 --> 00:27:15.160 caught it the first time really doesn't matter. If anything, 588 00:27:15.160 --> 00:27:17.680 you would blame the shop. I sure wouldn't blame the 589 00:27:17.720 --> 00:27:20.480 warranty company because the shop never brought it. 590 00:27:20.480 --> 00:27:20.920 Up to them. 591 00:27:21.039 --> 00:27:23.279 Did you go to the shop and go, hey, how 592 00:27:23.319 --> 00:27:25.160 come you didn't see this the first time? 593 00:27:25.319 --> 00:27:27.440 And here's the other deal. Just going back to my. 594 00:27:27.440 --> 00:27:31.079 Goodyear days, we did some We did a lot of seals, 595 00:27:31.119 --> 00:27:34.079 a lot of gaskets, oil pan gaskets, rear mains, all 596 00:27:34.200 --> 00:27:36.920 kinds of stuff. Some of the problem is this when 597 00:27:36.920 --> 00:27:39.599 you have like a valve cover gasket leaking, or even 598 00:27:39.640 --> 00:27:42.279 a rear main leaking or an oil pan, and you're 599 00:27:42.359 --> 00:27:45.759 driving down the highway that oil just goes everywhere. 600 00:27:45.759 --> 00:27:45.960 Man. 601 00:27:46.039 --> 00:27:49.240 You don't know what's leaking and what's not leaking until 602 00:27:49.279 --> 00:27:52.240 you start fixing them. You don't want to just tell somebody, Hey, 603 00:27:52.519 --> 00:27:54.480 you know you need a rear maine, you need an 604 00:27:54.519 --> 00:27:57.480 oil pan seal, you need a valve cover, gasket seal, 605 00:27:57.759 --> 00:28:00.839 you need an oil change, you need this that. You 606 00:28:00.880 --> 00:28:03.319 don't want to hit him with everything. So I'm not 607 00:28:03.400 --> 00:28:05.359 even sure the shop did anything wrong. 608 00:28:05.440 --> 00:28:09.640 Man, Okay, that's fine. I just wanted to check because, 609 00:28:09.680 --> 00:28:13.400 like I said, CARSHU was still covering this disrepair, right. 610 00:28:13.440 --> 00:28:16.240 I was just worried about the second deductible. But what 611 00:28:16.279 --> 00:28:19.039 you're saying makes sense. Yeah, well it's two hundred dollars. 612 00:28:19.359 --> 00:28:20.200 I'll take care of it. 613 00:28:20.279 --> 00:28:21.960 How much is it is understandable? 614 00:28:22.000 --> 00:28:23.440 How much is the repair. 615 00:28:25.680 --> 00:28:29.240 The new repair? They replacing an oil pangask. 616 00:28:28.680 --> 00:28:29.680 In your rear main seal? 617 00:28:29.960 --> 00:28:30.480 Oh wow? 618 00:28:30.720 --> 00:28:33.319 Well wait a minute, Wait a minute, wait, I do 619 00:28:33.440 --> 00:28:35.920 have a question. Then, did you not tell me the 620 00:28:36.039 --> 00:28:38.319 transmission was replaced? 621 00:28:39.359 --> 00:28:39.599 Yeah? 622 00:28:40.200 --> 00:28:43.960 Well wait a second, that rear main I want to 623 00:28:44.039 --> 00:28:44.920 verify something. 624 00:28:44.920 --> 00:28:46.599 Hold on, can you get Kevin. 625 00:28:46.319 --> 00:28:50.000 Colkin or actually, Jeff Vick would be perfect for this 626 00:28:50.079 --> 00:28:53.559 because he owns a transmission shop. I'm almost positive that 627 00:28:53.640 --> 00:28:58.160 rear main is replaced when you do that transmission. Hey, Kenny, 628 00:28:58.160 --> 00:29:01.880 how long ago? How long ago was those initial repairs done? 629 00:29:02.359 --> 00:29:03.240 The transmission? 630 00:29:03.319 --> 00:29:03.759 A month? 631 00:29:04.119 --> 00:29:04.720 A month ago? 632 00:29:04.839 --> 00:29:05.960 A month, not even a month? 633 00:29:06.000 --> 00:29:06.839 Hold on a second. 634 00:29:06.839 --> 00:29:08.920 I want to see if that rear main seal had 635 00:29:08.960 --> 00:29:11.480 to be done, because that might change my mind. It 636 00:29:11.519 --> 00:29:14.039 doesn't change my mind on the oil pan, but it 637 00:29:14.119 --> 00:29:16.759 might on that rear main and the oil pan gasket. 638 00:29:17.079 --> 00:29:20.640 I would guess is fairly cheap on that, but we'll 639 00:29:20.720 --> 00:29:24.519 ask Jeff that as well, But that that rear main 640 00:29:24.680 --> 00:29:27.400 is probably the expensive part. Hold tight, let's take a break. 641 00:29:27.440 --> 00:29:30.720 Three zero three seven one three eight two five five. 642 00:29:30.720 --> 00:29:32.960 We've got a couple lines open. I want to hear 643 00:29:33.000 --> 00:29:40.599 from you. Three oh three Martino, go with a sure 644 00:29:40.720 --> 00:29:43.839 thing Denver's best roofer Excel roofing dot com. 645 00:29:43.880 --> 00:29:45.880 You don't pay cent until you're content. 646 00:29:49.279 --> 00:29:52.440 Time for an insurance check up free no obligation comparison 647 00:29:52.599 --> 00:29:56.160 call Compass Insurance paying too much your coverage at dozens 648 00:29:56.160 --> 00:29:57.160 of insurance companies. 649 00:29:57.240 --> 00:29:59.480 Find out now three oh three, seven to seven to one. 650 00:29:59.559 --> 00:29:59.839 Help. 651 00:30:00.079 --> 00:30:02.640 You'll think you're his only customer when you choose Frank 652 00:30:02.720 --> 00:30:05.160 durand the real estate man dot com to list your 653 00:30:05.200 --> 00:30:08.359 home with Remax Alliance three oh three nine two zero 654 00:30:08.440 --> 00:30:09.440 sixteen twenty two. 655 00:30:11.960 --> 00:30:14.480 All right, three oh three seven one three eight two 656 00:30:14.640 --> 00:30:17.880 five five three oh three Martino, looks like two lines open. 657 00:30:17.880 --> 00:30:21.880 I'm gonna go up to our expert, Jeff vic Hey, Jeff, 658 00:30:21.920 --> 00:30:24.160 I got to ask you something a two thousand and 659 00:30:24.200 --> 00:30:30.200 eight escalade. If you rebuild the transmission on that vehicle, 660 00:30:30.720 --> 00:30:32.480 are you doing the rear main seal? 661 00:30:33.160 --> 00:30:33.720 Typically not? 662 00:30:33.880 --> 00:30:33.920 No? 663 00:30:34.480 --> 00:30:37.960 H okay, I add it totally wrong? Then what vehicles? 664 00:30:38.039 --> 00:30:40.240 I mean I always saw when you do a transmission 665 00:30:40.279 --> 00:30:43.720 you're typically doing the rear main or no. 666 00:30:42.880 --> 00:30:45.079 No, typically not. I mean, if you see evidence of it, 667 00:30:45.119 --> 00:30:46.880 you pull a flexplate down and take a look, and 668 00:30:46.920 --> 00:30:49.279 you'll do the customer favor by changing a while you've 669 00:30:49.279 --> 00:30:52.039 got the transmission out. Yeah, but as a general rule, 670 00:30:52.359 --> 00:30:53.480 it's the same old thing. 671 00:30:53.519 --> 00:30:54.359 You know, if eight. 672 00:30:54.279 --> 00:30:56.160 Broke, don't fix it if it Yeah. 673 00:30:56.279 --> 00:31:00.200 So they basically had a transmission done, some other stuff done, 674 00:31:00.240 --> 00:31:02.640 and then a month later there's still some oil leaks. 675 00:31:02.839 --> 00:31:05.759 So they're trying to sell them a rear main and 676 00:31:05.799 --> 00:31:07.960 they're also trying to sell them like I think it 677 00:31:08.000 --> 00:31:11.160 was an oil pan gasket. And hold on, Kelly, what 678 00:31:11.200 --> 00:31:14.440 was was that? Kenny on one? Or is it on two? 679 00:31:16.359 --> 00:31:18.359 Hey? Kenny? Hey, he's on two. 680 00:31:20.200 --> 00:31:24.039 Hey, Kenny, I was wrong. The rear main wasn't done. 681 00:31:24.160 --> 00:31:26.960 So yeah, we're right where we started the conversation. 682 00:31:28.359 --> 00:31:29.079 No, you're good. 683 00:31:29.119 --> 00:31:31.519 And Carshill covered the seals period. 684 00:31:31.559 --> 00:31:31.960 Yeah, I know. 685 00:31:32.160 --> 00:31:34.680 I was just worried about the deductible, which is awesome. 686 00:31:35.200 --> 00:31:37.480 Hey is Carshield pretty good? Jeff? 687 00:31:37.519 --> 00:31:40.599 This guy had like a five thousand dollars transmission done, 688 00:31:40.640 --> 00:31:43.240 they paid forty paid two hundred and fifty dollars deductible 689 00:31:43.480 --> 00:31:45.759 and now they just did a rear main. This is 690 00:31:46.039 --> 00:31:48.119 some other shop of course, did a rear main and 691 00:31:48.160 --> 00:31:51.640 did a either a valve cover oil pan gasket, and 692 00:31:51.720 --> 00:31:52.720 they covered it again. 693 00:31:53.319 --> 00:31:55.440 Yeah, they have a short period if you purchased the 694 00:31:55.440 --> 00:31:57.119 car where they'll stand behind it and do a lot 695 00:31:57.119 --> 00:31:59.759 of repairs. But they also obviously have the option to 696 00:31:59.759 --> 00:32:02.119 go the deal, but typically they'll just go forward with 697 00:32:02.160 --> 00:32:04.519 the repairs. They like the reputation, they want to keep 698 00:32:04.519 --> 00:32:04.960 it that way. 699 00:32:05.079 --> 00:32:06.000 Yeah, that's good man. 700 00:32:06.039 --> 00:32:07.759 It looks like you found one of the good ones 701 00:32:07.799 --> 00:32:09.799 because a lot of the calls we get Kenny or 702 00:32:09.839 --> 00:32:12.759 they don't cover anything. So I've got to at least 703 00:32:12.759 --> 00:32:15.240 give kudos to Carshield. That's a good deal you got. 704 00:32:15.359 --> 00:32:17.680 You got about seven grand or six grand worth of 705 00:32:17.680 --> 00:32:19.240 stuff done for five hundred bucks. 706 00:32:19.240 --> 00:32:22.000 Man. Yeah, I appreciate your time. 707 00:32:22.160 --> 00:32:24.839 Thank you, guys, I appreciated. Three oh three seven one 708 00:32:24.880 --> 00:32:28.680 three eight two five five. Jeff vic Kimer Transmission. Here's 709 00:32:28.680 --> 00:32:30.440 the bottom line. This guy will save you a ton 710 00:32:30.880 --> 00:32:32.519 and I need a ton of money. If you knew 711 00:32:32.559 --> 00:32:35.920 to transmission and he rebuilds him right there, he'll give 712 00:32:35.920 --> 00:32:38.720 you all the different options. Just a great guy. A 713 00:32:38.759 --> 00:32:40.839 lot of times you might think you need a transmission, 714 00:32:41.079 --> 00:32:43.839 you bring it over to Kimra Transmissions and Jeff and 715 00:32:44.240 --> 00:32:46.440 find out you didn't need it, which is probably the 716 00:32:46.440 --> 00:32:49.519 coolest thing out there. Three oh three seven one three 717 00:32:49.599 --> 00:32:52.680 eight two five five. So to me, tre guess who 718 00:32:52.720 --> 00:32:54.160 Trump's talking to right now? 719 00:32:54.200 --> 00:32:54.480 Guys? 720 00:32:54.519 --> 00:32:57.240 Do you know does anybody know this is a big flad? 721 00:32:57.559 --> 00:32:59.039 He's talking to Vladimir? 722 00:32:59.279 --> 00:32:59.440 HM. 723 00:33:00.119 --> 00:33:03.119 I wonder how that can you imagine that conversation? And 724 00:33:03.200 --> 00:33:06.640 I assume all this stuff's recorded. Yeah, it would be 725 00:33:06.720 --> 00:33:08.519 great if they could replace some of that. But you 726 00:33:08.519 --> 00:33:11.279 know now that you mentioned it this English. 727 00:33:11.480 --> 00:33:13.920 I don't know. I don't know either, but I've never 728 00:33:14.079 --> 00:33:17.079 heard of a conversation that's been recorded between heads of 729 00:33:17.119 --> 00:33:19.319 state make its way into the media or on the internet. 730 00:33:19.359 --> 00:33:20.640 Even on the internet. Oh my god. 731 00:33:20.640 --> 00:33:24.480 There was one with There was one with Trump and 732 00:33:24.559 --> 00:33:29.720 his first uh administration, and they said it was a 733 00:33:29.720 --> 00:33:32.839 horrible call. And then finally when they played it for everybody, 734 00:33:32.880 --> 00:33:35.400 they said it was a perfect call. In fact, that's 735 00:33:35.440 --> 00:33:37.359 what it was known for. Trump would say it was 736 00:33:37.359 --> 00:33:41.400 a perfect call, but the Democrats were saying it was like, uh. 737 00:33:41.079 --> 00:33:43.039 They used that as a basis to impeach him the 738 00:33:43.039 --> 00:33:46.079 first time. And that was the contents of that call 739 00:33:46.119 --> 00:33:49.759 where misrepresentative leaked by that boy who was that really 740 00:33:49.799 --> 00:33:56.400 pudgy colonel who is from the Ukraine, and they released it. Yeah, 741 00:33:56.440 --> 00:33:58.079 he's the one that leaked it and said it was 742 00:33:58.119 --> 00:34:02.519 a bad call. Yeah, but they remember Vidman I don't 743 00:34:02.599 --> 00:34:05.519 vidmun I don't. Yeah, he leaked it to the media. 744 00:34:05.559 --> 00:34:07.799 So it was another dastardly trick basically. 745 00:34:08.119 --> 00:34:10.920 Oh yeah, absolutely, So the call turned out to be 746 00:34:10.960 --> 00:34:11.360 good though. 747 00:34:11.440 --> 00:34:16.119 Yeah. It was between Trump and Zelensky, oh really yeah, 748 00:34:16.199 --> 00:34:18.400 and it was it had something to do with the 749 00:34:18.440 --> 00:34:21.639 potential investigation of the hunter Biden involved. 750 00:34:21.760 --> 00:34:24.280 You know, he came back with his tail between his 751 00:34:24.440 --> 00:34:27.079 legs are Yeah, he sure did. I mean, I mean 752 00:34:27.119 --> 00:34:30.199 he what other choice did he have though? Yeah, We've 753 00:34:30.239 --> 00:34:32.039 talked about this off air, and I don't want to 754 00:34:32.039 --> 00:34:36.920 get into this big Ukraine policy. But a lot of 755 00:34:36.960 --> 00:34:40.960 the area Russia took back. Those people speak Russian. They 756 00:34:41.000 --> 00:34:44.760 basically consider themselves Russian, Yeah, and want to be Russian. 757 00:34:44.800 --> 00:34:46.440 I mean, would you acknowledge that? 758 00:34:47.239 --> 00:34:49.119 Yeah, that's my understanding of it. I mean there is 759 00:34:49.159 --> 00:34:49.920 that Poinne too. 760 00:34:50.159 --> 00:34:51.679 It's not like I live there. 761 00:34:51.519 --> 00:34:54.440 Yeah, I uh, you know, I spent some summers over there, 762 00:34:54.480 --> 00:34:57.920 and it certainly was it seemed in Ukraine or Russia. Ukraine. 763 00:34:58.199 --> 00:34:59.400 You know, we had a summer home. 764 00:34:59.519 --> 00:35:02.719 I did not know that. Yeah, what region or where? 765 00:35:03.079 --> 00:35:04.320 Uh you know, I don't remember. 766 00:35:04.480 --> 00:35:07.039 You know, there's there are thousands of little villages there, 767 00:35:07.199 --> 00:35:08.880 got it. Yeah, I mean literally, so you were a 768 00:35:08.920 --> 00:35:12.039 little tight. Yeah, and I wouldn't even recognize the name 769 00:35:12.079 --> 00:35:14.760 of that village. But it was in the woods, and 770 00:35:14.800 --> 00:35:18.079 it was a beautiful green, you know, green place full 771 00:35:18.079 --> 00:35:20.199 of lakes and rivers and animals. 772 00:35:19.760 --> 00:35:22.199 And they have so many natural resources. It looks like 773 00:35:22.320 --> 00:35:23.960 basically a gold mine over there. 774 00:35:24.360 --> 00:35:24.559 Yeah. 775 00:35:24.679 --> 00:35:27.119 I mean they have the lithium or whatever it is 776 00:35:27.159 --> 00:35:29.760 for batteries and stuff to make chips, and I mean. 777 00:35:29.639 --> 00:35:32.599 It's tons of energy, tons of forests. 778 00:35:32.199 --> 00:35:35.159 And I think that's probably the main reason Russia wanted it. 779 00:35:35.199 --> 00:35:37.519 I mean, I'm not sure about that, but yeah. 780 00:35:37.559 --> 00:35:39.719 Well, you know that whole part of the world is 781 00:35:39.760 --> 00:35:42.639 called the bread basket of Europe. Yeah right, I mean 782 00:35:42.679 --> 00:35:46.440 that's it's one of the most agriculturally valuable lands in 783 00:35:46.480 --> 00:35:46.920 the world. 784 00:35:47.119 --> 00:35:49.639 All right, people three oh three seven one, three eight 785 00:35:49.639 --> 00:35:52.920 two five five you've been ripped off or taken advantage of. 786 00:35:53.079 --> 00:35:55.519 This is the troubleshooter Network. 787 00:36:13.119 --> 00:36:16.400 Go with a sure thing Denver's best roofer Excel Roofing 788 00:36:16.519 --> 00:36:17.079 dot com. 789 00:36:17.119 --> 00:36:19.119 You don't pay a cent until you're content. 790 00:36:20.760 --> 00:36:25.000 Leave time for an insurance check up free no obligation 791 00:36:25.119 --> 00:36:29.000 comparison call Compass Insurance paying too much your coverage at 792 00:36:29.039 --> 00:36:31.760 dozens of insurance companies find out now three oh three 793 00:36:31.920 --> 00:36:34.519 seven seven to one help. You'll think you're his only 794 00:36:34.599 --> 00:36:37.079 customer when you choose Frank durand the real estate Man 795 00:36:37.119 --> 00:36:40.519 dot com to list your home with Remax Alliance three 796 00:36:40.559 --> 00:36:42.880 oh three nine, two zero sixteen twenty two. 797 00:36:48.199 --> 00:36:59.920 Rip you need you don't have, runs, can shoot us 798 00:37:00.119 --> 00:37:03.800 gonna help? Come man, this is. 799 00:37:03.760 --> 00:37:05.079 The Troubleshooter Show. 800 00:37:05.719 --> 00:37:10.440 No Tom Martinez, Welcome, welcomes to the only show that's kind. 801 00:37:10.480 --> 00:37:14.280 We're here to solve problems, answer questions, take your complaints. 802 00:37:14.280 --> 00:37:16.480 We got lines open for the first time. 803 00:37:16.880 --> 00:37:18.639 If you want to get through to us and try 804 00:37:18.639 --> 00:37:20.800 to get some of your money recouped for He'd love 805 00:37:20.840 --> 00:37:23.159 to hear from you. Could be an automotive problem, it 806 00:37:23.159 --> 00:37:26.239 could be a contractor problem. Any issue you got three 807 00:37:26.360 --> 00:37:29.440 zero three seven one three eight two five five. Now 808 00:37:29.480 --> 00:37:33.559 it's time for education section. You're ready for this. Brian 809 00:37:33.599 --> 00:37:38.159 Burns Compass insurance. Listen, you save us so much money 810 00:37:38.159 --> 00:37:41.440 each year by shopping our stuff. And it's really amazing 811 00:37:41.519 --> 00:37:45.199 to me how insurance changes over anybody's lifetime. 812 00:37:45.199 --> 00:37:46.039 And here's what I mean. 813 00:37:46.519 --> 00:37:49.599 As our kids were getting close to sixteen and getting 814 00:37:49.599 --> 00:37:53.800 their license, you took us out of Safeco or whomever 815 00:37:53.840 --> 00:37:55.480 we hadn't put us with Progressive. 816 00:37:55.719 --> 00:37:57.400 As the kids got older. 817 00:37:57.039 --> 00:38:00.679 Into their twenties and that new driver stigma was gone, 818 00:38:01.559 --> 00:38:03.360 you moved us into a different one. 819 00:38:03.639 --> 00:38:06.280 When people go through different stages, of life. 820 00:38:06.360 --> 00:38:10.360 It is absolutely amazing how insurance can change. 821 00:38:10.559 --> 00:38:10.840 Yeah. 822 00:38:10.880 --> 00:38:14.599 You know a perfect example of this. My daughter just 823 00:38:14.639 --> 00:38:18.960 got married and so we split them off onto their 824 00:38:19.000 --> 00:38:21.079 own because they moved out of the house and they have, 825 00:38:21.519 --> 00:38:25.320 you know, their own vehicles, and so I worked on 826 00:38:25.400 --> 00:38:27.599 quotes to just see where we're going to put them, 827 00:38:27.679 --> 00:38:31.440 and we ended up with a carrier called Travelers Insurance 828 00:38:31.440 --> 00:38:31.800 for them. 829 00:38:32.079 --> 00:38:32.800 That's a big one. 830 00:38:32.920 --> 00:38:35.199 Yeah, And but just to give you an idea, the 831 00:38:35.239 --> 00:38:40.320 price differed from from Travelers up to the highest carrier. 832 00:38:40.559 --> 00:38:43.840 It was triple the cost, triple triple, and nothing was different. 833 00:38:43.880 --> 00:38:44.800 I entered everything, I. 834 00:38:44.760 --> 00:38:47.719 Did same exact insurance, exact insurance. So it just tells 835 00:38:47.760 --> 00:38:50.039 you how. And they're not even high risk, right. 836 00:38:50.079 --> 00:38:53.599 Also, no tickets, no act for twenty five. No, she's okay, 837 00:38:53.679 --> 00:38:54.840 twenty one. Yeah, they're young. 838 00:38:55.079 --> 00:38:57.440 Okay, So I mean that's still kind of a stigma. 839 00:38:57.480 --> 00:39:00.000 But yeah, it's crazy that three times. 840 00:39:00.159 --> 00:39:03.840 Yeah, but to your point, it's some carriers and you're 841 00:39:03.960 --> 00:39:06.719 under twenty five, is it's just way more expensive than 842 00:39:06.719 --> 00:39:07.719 what other carriers are. 843 00:39:07.920 --> 00:39:10.320 God, that's crazy. Well, here's one for us. 844 00:39:10.320 --> 00:39:14.639 And we dealt with our house because we're in the woods, right, 845 00:39:15.599 --> 00:39:18.559 Some companies won't touch us. Yep, period won't touch us. 846 00:39:18.800 --> 00:39:21.840 Some companies, like I think it was State Farm that 847 00:39:22.039 --> 00:39:26.639 gave us a bid last year. State Farm wouldn't do 848 00:39:26.679 --> 00:39:30.199 anything over a million in the woods, which is odd. 849 00:39:30.239 --> 00:39:32.920 I mean, like in Colorado. It's really odd, honestly. 850 00:39:33.559 --> 00:39:38.719 And then on top of that, some other companies wouldn't 851 00:39:38.800 --> 00:39:43.840 do anything but an ach policy or a percentage of 852 00:39:43.920 --> 00:39:47.320 the main dwelling, which means you're deductible. 853 00:39:47.599 --> 00:39:48.920 I've argued this before. 854 00:39:49.159 --> 00:39:52.159 What's the highest one you've seen where the deductible is 855 00:39:52.199 --> 00:39:54.880 actually a percentage of the dwelling I've seen. 856 00:39:54.920 --> 00:39:57.880 Now this is an excess policy, so not an omitted carrier, 857 00:39:57.960 --> 00:40:00.920 but it was ten percent. Well, okay, normal three to 858 00:40:00.960 --> 00:40:03.800 two two percent. You're seeing is becoming more and more normal. 859 00:40:03.880 --> 00:40:06.920 One percent is absolutely normal. It is normal wind and 860 00:40:06.960 --> 00:40:09.679 hail claims. One percent is the norm. There's terriers that 861 00:40:09.760 --> 00:40:13.159 require two percent. Well, think a two percent guys. 862 00:40:13.239 --> 00:40:15.719 Let's say you're in Highlands Ranch and you've got one 863 00:40:15.719 --> 00:40:18.599 of the bigger models track home and it's worth a 864 00:40:18.639 --> 00:40:22.159 million bucks. I mean, your deductible on a hail claim 865 00:40:22.320 --> 00:40:27.480 is twenty thousand dollars, which is crazy. Yep, we had 866 00:40:27.519 --> 00:40:31.360 one caller it was three percent, and Tom was arguing, well, 867 00:40:31.519 --> 00:40:33.719 my god, you don't even have insurance at that point. 868 00:40:34.039 --> 00:40:35.480 Yeah, I mean literally think about it. 869 00:40:35.519 --> 00:40:40.519 You don't even really have insurance because it's the cost 870 00:40:40.679 --> 00:40:44.119 of the roof was less than the deductible. Right, yeah, 871 00:40:44.159 --> 00:40:46.360 now you still have insurance if it burned down or 872 00:40:46.400 --> 00:40:47.320 something exactly. 873 00:40:47.599 --> 00:40:50.840 Yeah, no, but even at one percent. Yet, what you're 874 00:40:50.880 --> 00:40:53.920 seeing as insurance companies are going to continue to our 875 00:40:53.960 --> 00:40:56.559 point earlier, The only way they're going to start making 876 00:40:56.559 --> 00:40:59.679 money in Colorado is if they either raise rates more 877 00:40:59.760 --> 00:41:02.320 with is you can't really do much more, people can't 878 00:41:02.320 --> 00:41:05.639 afford it, or people are going to start participating in 879 00:41:05.679 --> 00:41:07.719 the losses, specifically when it comes to hale. 880 00:41:08.079 --> 00:41:10.119 Well, and that just means you're gonna pay more though. 881 00:41:10.000 --> 00:41:12.199 Yeah, yeah, well when you have losses. I do think 882 00:41:12.440 --> 00:41:16.079 we got that hail proof roof. Yeah, I don't think 883 00:41:16.119 --> 00:41:18.800 I'll ever see a hail climb again. Yeah, well, I 884 00:41:18.880 --> 00:41:21.159 take that back on the roof, right. You might on 885 00:41:21.280 --> 00:41:22.360 other parts of the house. 886 00:41:22.519 --> 00:41:24.639 You might on the siding, might on the barn, might 887 00:41:24.679 --> 00:41:27.440 on the metal building, might on a car, But on 888 00:41:27.480 --> 00:41:31.079 our main dwelling, I can't imagine. I would ever have 889 00:41:31.159 --> 00:41:32.079 a hail claim again. 890 00:41:32.239 --> 00:41:34.679 No, but I do think there was a period of 891 00:41:34.719 --> 00:41:38.440 time here where people were hoping for hale because it 892 00:41:38.480 --> 00:41:40.719 was tough for to get a new first days are 893 00:41:40.760 --> 00:41:44.519 over because they're they're participating so much in it that 894 00:41:44.719 --> 00:41:46.880 it's it's no longer you're going to pay your thousand 895 00:41:46.880 --> 00:41:49.480 bucks that the roofer is going to somehow work into 896 00:41:49.519 --> 00:41:51.000 the deal where you're not going to pay anything. 897 00:41:51.159 --> 00:41:52.480 Yeah, that those days are over. 898 00:41:52.519 --> 00:41:55.719 Big because you're you have such big deductible of it's massive. 899 00:41:55.840 --> 00:41:57.960 Yeah, yeah, it used to be that way, honestly. 900 00:41:58.199 --> 00:42:00.360 Or they give you a free upgrade to a hail 901 00:42:00.480 --> 00:42:02.320 resistant roof or a Class four. 902 00:42:03.119 --> 00:42:04.280 It's really crazy though. 903 00:42:04.320 --> 00:42:06.239 So the other thing people can do if they do 904 00:42:06.280 --> 00:42:09.280 have a new roof, if they did get a hell 905 00:42:09.400 --> 00:42:12.880 resistant roof in the last couple of years, most homeowners 906 00:42:12.920 --> 00:42:13.960 give a discount for that. 907 00:42:14.440 --> 00:42:17.280 Yeah, or again it depends on the carrier. I would 908 00:42:17.280 --> 00:42:20.519 say I have probably half of them have a discount 909 00:42:20.559 --> 00:42:24.000 for Class four and some don't, and half of them don't. 910 00:42:24.079 --> 00:42:24.920 That's crazy. 911 00:42:24.960 --> 00:42:26.880 So now they still get a discount for having a 912 00:42:26.880 --> 00:42:29.800 brand new roof. But that's why it pays to at 913 00:42:29.880 --> 00:42:32.400 least shop around when you have these changes, and. 914 00:42:32.360 --> 00:42:34.920 If you have like a tile roof or a synthetic roof, 915 00:42:35.039 --> 00:42:37.320 like I do something that is more hal proof, not 916 00:42:37.400 --> 00:42:38.239 hail resistant. 917 00:42:38.639 --> 00:42:41.320 What I did is I up the deductible big time. Yeah. 918 00:42:41.360 --> 00:42:44.400 So now I think are deductibles like five thousand, but 919 00:42:44.480 --> 00:42:46.920 I'm not even worried that I'll have a claim when 920 00:42:46.960 --> 00:42:48.000 it comes to that peril. 921 00:42:48.079 --> 00:42:50.039 Yeah, and that's exactly what I did too. I have 922 00:42:50.079 --> 00:42:54.199 a tile roof, and so danil me, I'll take the 923 00:42:54.280 --> 00:42:57.800 much bigger deductible and save the money as far as 924 00:42:57.840 --> 00:42:58.880 on the annual premium. 925 00:42:58.880 --> 00:43:00.840 So when people call, I'm gonna give the number out 926 00:43:00.960 --> 00:43:05.280 typically speaking, is there how much of you saved? People 927 00:43:05.320 --> 00:43:08.079 our average listener. So they call up, they give you 928 00:43:08.119 --> 00:43:11.000 the deck page. It could be from State Farm, all State, 929 00:43:11.719 --> 00:43:14.159 it could be from anybody, it doesn't matter who it's from. 930 00:43:14.440 --> 00:43:16.679 And then you're going to shop them and you're going 931 00:43:16.719 --> 00:43:20.679 to shop what twenty to thirty different places depending on 932 00:43:20.719 --> 00:43:23.039 where they live, and you're going to come up with 933 00:43:23.480 --> 00:43:26.840 not only the savings, but the other important part. And 934 00:43:26.880 --> 00:43:29.280 if someone if you can't save money, you're the first 935 00:43:29.119 --> 00:43:30.880 at absolutely we'll tell them stay put. 936 00:43:30.960 --> 00:43:31.119 Yeah. 937 00:43:31.159 --> 00:43:32.719 Yeah, But the other part is And a lot of 938 00:43:32.719 --> 00:43:35.280 people don't realize this. Anybody that was affected by the 939 00:43:35.320 --> 00:43:38.519 Boulder fires were but a lot of people are under insured. 940 00:43:38.559 --> 00:43:38.679 Now. 941 00:43:39.199 --> 00:43:41.679 If you haven't checked the value of your house to 942 00:43:41.800 --> 00:43:46.800 rebuild pre COVID, you're absolutely crazy. There was homes that 943 00:43:46.920 --> 00:43:50.800 sold brand new for three hundred four hundred thousand in 944 00:43:50.880 --> 00:43:54.280 twenty ten that now could be worth a million bucks. 945 00:43:54.320 --> 00:43:57.599 And you have that insurance set at you know, three 946 00:43:57.679 --> 00:43:58.559 or four hundred thousand. 947 00:43:58.840 --> 00:44:00.960 You have no clue that if. 948 00:44:00.840 --> 00:44:04.119 That thing burned down or if anything happened, you basically 949 00:44:04.679 --> 00:44:05.679 can't even rebuild it. 950 00:44:05.800 --> 00:44:08.079 No, because it's not just even the values, you know, 951 00:44:08.199 --> 00:44:12.360 the rebuild cost have skyrossts skyrocketed people. 952 00:44:12.079 --> 00:44:15.440 And now with tariffs possibly on a lot of wood 953 00:44:15.519 --> 00:44:19.000 coming out of Canada, I mean think about that. There 954 00:44:19.039 --> 00:44:21.480 are so many people, like, how many people that haven't 955 00:44:21.559 --> 00:44:23.119 checked are undervalue? 956 00:44:23.199 --> 00:44:25.159 Well, we know through the boulderfire what it ended up 957 00:44:25.199 --> 00:44:26.440 being ninety seven percent. 958 00:44:26.800 --> 00:44:29.960 If you're out there listening and you haven't called Brian up, 959 00:44:30.000 --> 00:44:32.239 I don't care. If you've had state farm forever, that's 960 00:44:32.280 --> 00:44:34.760 the big one we hear. Oh they're great. I've never 961 00:44:34.920 --> 00:44:38.280 been telling you you're paying too much or you're undervalued 962 00:44:38.480 --> 00:44:41.800 or underinsured, and that could be a numerous different ways. 963 00:44:41.960 --> 00:44:44.920 We had one listener call up. They were worth three 964 00:44:45.039 --> 00:44:48.639 or four million. If I recall, they had the lowest 965 00:44:48.679 --> 00:44:51.960 amount of auto insurance they could get meeting if they 966 00:44:52.000 --> 00:44:54.800 did cause an accident and they were reliable. No one 967 00:44:54.840 --> 00:44:57.440 would take twenty five grand from them. They would come 968 00:44:57.480 --> 00:44:59.960 after their million dollar house and whatever's. 969 00:44:59.559 --> 00:44:59.920 In the bank. 970 00:45:00.360 --> 00:45:02.719 Yeah. I mean basically they had no insurance. 971 00:45:02.800 --> 00:45:05.239 Yet we see that all the time. People that have 972 00:45:05.679 --> 00:45:07.760 have been with a carrier for thirty years and when 973 00:45:07.760 --> 00:45:10.679 they started out, they had liability limits of twenty five thousands. 974 00:45:10.880 --> 00:45:11.559 That's all they needed. 975 00:45:11.599 --> 00:45:14.119 That's all they needed. But they've never adjusted over time, 976 00:45:14.159 --> 00:45:17.920 and so they have, you know, this exponential worth and 977 00:45:18.000 --> 00:45:19.480 yet they're still carrying twenty five thousand. 978 00:45:19.519 --> 00:45:21.840 All right, listen, I would love any questions you have 979 00:45:21.920 --> 00:45:22.559 in insurance. 980 00:45:22.559 --> 00:45:25.880 We got Brian in he's our expert. Anything you got cooking. 981 00:45:25.960 --> 00:45:28.920 Three zero three seven one three eight two five five 982 00:45:29.280 --> 00:45:37.239 three zero three Martino, hold tight, go with a sure. 983 00:45:37.079 --> 00:45:40.519 Thing Denver's Best roofer Excel roofing dot com. You don't 984 00:45:40.519 --> 00:45:46.559 pay a cent until you're content. Time for an insurance 985 00:45:46.639 --> 00:45:50.360 check up free no obligation. In comparison, call Compass Insurance 986 00:45:50.519 --> 00:45:53.519 paying too much your coverage at dozens of insurance companies 987 00:45:53.599 --> 00:45:56.199 find out now three oh three seven seven to one help. 988 00:45:56.360 --> 00:45:59.000 You'll think you're his only customer when you choose Frank 989 00:45:59.079 --> 00:46:01.840 durand the real estate dot com to list your home 990 00:46:02.039 --> 00:46:05.199 with Remax Alliance three oh three nine two zero sixteen 991 00:46:05.280 --> 00:46:10.000 twenty two. 992 00:46:10.239 --> 00:46:12.639 All right, three oh three seven one three eight two 993 00:46:12.719 --> 00:46:15.559 five five three zero three Martino. We'd love to hear 994 00:46:15.599 --> 00:46:19.679 from you any questions, complaints. I've got three deputies here 995 00:46:19.719 --> 00:46:22.559 ready to sink their teeth into whatever problems we got 996 00:46:22.920 --> 00:46:24.960 h three oh three Martino. Now I want to go 997 00:46:25.000 --> 00:46:28.840 back to Brian Burns. If you have not done the 998 00:46:29.280 --> 00:46:33.920 insurance health check, I want you to call these guys up. 999 00:46:34.159 --> 00:46:37.639 They're answering the phone right now. They can basically just 1000 00:46:37.760 --> 00:46:41.079 ask for some basic information and tell you how much 1001 00:46:41.119 --> 00:46:43.840 they can save you and make sure you rebuild. Brian, 1002 00:46:43.840 --> 00:46:46.440 How does that work? When you put the address in, 1003 00:46:46.960 --> 00:46:50.360 it automatically comes up with what a current value to 1004 00:46:50.480 --> 00:46:51.199 rebuild is. 1005 00:46:51.400 --> 00:46:56.199 No, but we go to you know websites usually Redfinns 1006 00:46:56.239 --> 00:46:58.280 who I use get the details of the house and 1007 00:46:58.320 --> 00:47:00.320 so you get an idea, you have to enter into 1008 00:47:00.360 --> 00:47:02.320 a replacement cost estimator. 1009 00:47:01.960 --> 00:47:02.280 Got it? 1010 00:47:02.360 --> 00:47:04.719 And that, Oh, so you're looking at how many beds, 1011 00:47:04.760 --> 00:47:07.719 bad square footage, custom, not custom, whatever it is. 1012 00:47:07.800 --> 00:47:09.639 Yeah, And the things that we need to hear from 1013 00:47:09.800 --> 00:47:11.840 people that are wanting quotes, We do need to know, 1014 00:47:11.920 --> 00:47:14.119 like when their roof was replaced, what kind of roof 1015 00:47:14.440 --> 00:47:17.400 things that that that might not be accurate onlines. 1016 00:47:17.519 --> 00:47:20.039 Because if it's a newer roof, that's great. Yeah, exactly 1017 00:47:20.199 --> 00:47:22.039 when you have a twenty year old roof, now you 1018 00:47:22.079 --> 00:47:22.639 won't even. 1019 00:47:22.519 --> 00:47:23.119 Get covered here. 1020 00:47:23.280 --> 00:47:24.800 First thing we would say is stay where you're at 1021 00:47:24.920 --> 00:47:26.800 because no one, no one will take it. If it's 1022 00:47:26.800 --> 00:47:28.960 an asphalt roof, tile roof, totally different. 1023 00:47:29.360 --> 00:47:29.599 Yeah. 1024 00:47:29.599 --> 00:47:33.199 Will they come out and inspect the house even after 1025 00:47:33.280 --> 00:47:34.360 you already have them. 1026 00:47:34.599 --> 00:47:38.320 Yes, every carrier will do some sort of inspection. 1027 00:47:37.880 --> 00:47:41.159 At some point. Yeah, some drive by, some might actually walk. 1028 00:47:41.440 --> 00:47:42.679 It depends on the value. 1029 00:47:42.719 --> 00:47:45.400 If it's over a certain value, then they'll they'll have 1030 00:47:45.440 --> 00:47:48.519 to like actually make an appointment with the in they 1031 00:47:48.599 --> 00:47:50.760 want to come inside to. Yeah, but usually it's a 1032 00:47:50.840 --> 00:47:52.199 drive it's just a drive by. 1033 00:47:52.480 --> 00:47:54.599 Yeah, we've had them. I think it was two years ago. 1034 00:47:54.679 --> 00:47:57.599 Safeco came out, and I don't remember that we switched. 1035 00:47:57.960 --> 00:48:01.039 I think we had Safeco prior and they came out 1036 00:48:01.400 --> 00:48:03.360 more or less. They did the inside of the house, 1037 00:48:03.400 --> 00:48:06.519 but they did the outside was more important because of 1038 00:48:06.559 --> 00:48:09.000 the trees. They wanted to make sure we didn't have 1039 00:48:09.039 --> 00:48:11.880 any brush and other stuff. I think it was like 1040 00:48:12.000 --> 00:48:15.760 twenty or twenty five feet from the structure, whatever it is. 1041 00:48:15.880 --> 00:48:17.320 And then they have a certain amount that has to 1042 00:48:17.320 --> 00:48:20.400 be trimmed up off the ground. And yeah, there's all 1043 00:48:20.440 --> 00:48:22.960 sorts of mitigation, all kinds of money stuff. 1044 00:48:23.039 --> 00:48:25.320 Yeah. Yeah, so it gets a little crazy. 1045 00:48:25.360 --> 00:48:28.519 How about people that live like legitimately in the mountains, 1046 00:48:28.559 --> 00:48:31.360 I mean, there's some people probably just can't get coverage. 1047 00:48:31.440 --> 00:48:31.639 Right. 1048 00:48:32.039 --> 00:48:34.880 Well, we were talking I know yesterday for people that 1049 00:48:34.920 --> 00:48:38.280 weren't listening, they have the Colorado Fair Plan coming because 1050 00:48:38.280 --> 00:48:39.760 there are Yeah, but. 1051 00:48:39.760 --> 00:48:40.840 That looked like they were sting. 1052 00:48:40.960 --> 00:48:43.119 You said it only went up to So what he's 1053 00:48:43.159 --> 00:48:46.119 talking about Colorado Fair Plan If you simply can't get 1054 00:48:46.159 --> 00:48:49.519 coverage and I'm not talking you don't like the coverage 1055 00:48:49.599 --> 00:48:52.519 you can get because it's expensive. I'm saying, if you 1056 00:48:52.719 --> 00:48:56.159 can't get coverage, right, I was reading on their website 1057 00:48:56.199 --> 00:48:58.880 three denial letters. Is that really all it needs or 1058 00:48:58.880 --> 00:49:00.960 they're saying at least. 1059 00:49:00.360 --> 00:49:03.480 You have to have from an agent. That's that's trying 1060 00:49:03.559 --> 00:49:05.719 to get the quote from Colorad. A fair plan, you 1061 00:49:05.719 --> 00:49:09.119 have to have three declines from a standard market and 1062 00:49:09.320 --> 00:49:10.840 one decline from an excess. 1063 00:49:11.000 --> 00:49:14.239 An idea of an excess company like Lloyd's of London 1064 00:49:14.320 --> 00:49:18.440 would be one. So a why would they turn down anybody? 1065 00:49:19.039 --> 00:49:21.840 Or they don't. No, they will. They're still companies that 1066 00:49:21.920 --> 00:49:24.920 will thought they only ensured insurance companies. 1067 00:49:25.239 --> 00:49:29.280 No, that's reinsurance, but that's that's separate that. You know, 1068 00:49:29.360 --> 00:49:30.880 there's reinsurance. 1069 00:49:30.320 --> 00:49:31.599 Companies insure my house. 1070 00:49:33.000 --> 00:49:34.760 Yeah, I mean I could go access with Drouse, but 1071 00:49:34.800 --> 00:49:37.239 it'd be more expensive. So there's no reason to you 1072 00:49:37.280 --> 00:49:40.599 can get a standard market a company that is admitted 1073 00:49:40.760 --> 00:49:41.519 through Colorado. 1074 00:49:41.760 --> 00:49:44.880 It's always about I guess I'm not understanding the breakdown. 1075 00:49:44.920 --> 00:49:49.199 So what's the difference between a standard and an excessive 1076 00:49:49.239 --> 00:49:51.679 When you said Lloyd's London, that kind of screwed with 1077 00:49:51.719 --> 00:49:54.599 me because I thought they're one of the largest insurance 1078 00:49:54.599 --> 00:49:55.400 companies in the world. 1079 00:49:55.480 --> 00:49:57.639 If they're not standard, I don't know what is. 1080 00:49:57.639 --> 00:50:01.440 Standard meaning admitted admitted in Colorado. So Lloyd's of London 1081 00:50:01.519 --> 00:50:05.840 is not doesn't go through Colorado Insurance Commissioner to be 1082 00:50:05.960 --> 00:50:07.760 appointed for the state, so they're. 1083 00:50:07.599 --> 00:50:10.760 Not part of I got So how can they sell insurance. 1084 00:50:10.280 --> 00:50:13.400 Here because they can. Well, you have to first of all, 1085 00:50:13.440 --> 00:50:15.760 have the three declines from a standard market even be 1086 00:50:15.800 --> 00:50:17.400 eligible to go access. 1087 00:50:17.320 --> 00:50:19.480 And that's because of our insurance board though. 1088 00:50:19.519 --> 00:50:21.599 Yeah, so you can. You can't just go there, nor 1089 00:50:21.639 --> 00:50:24.440 would you want to, because the policy forms are not 1090 00:50:24.559 --> 00:50:27.880 regulated by the insurance Commissioner here, so they can do 1091 00:50:27.960 --> 00:50:30.440 what they want. So if it write their own policy form, 1092 00:50:30.800 --> 00:50:35.599 they can have crazy high deductibles that the insurance Commissioner 1093 00:50:36.119 --> 00:50:39.119 wouldn't approve for you, your carriers that are admitted here. 1094 00:50:39.920 --> 00:50:43.159 If you have three denials from let's just say State Farm, 1095 00:50:43.199 --> 00:50:47.639 all State, and a SAFEGO whatever. Yeah, so there's three 1096 00:50:47.719 --> 00:50:51.599 standards yep, then you can go to that excessive market. Yeah, 1097 00:50:51.840 --> 00:50:57.800 excess excess excess market and that includes Lloyd's of London. Yeah, 1098 00:50:57.960 --> 00:51:02.360 I means lloyd and who else is in that market? 1099 00:51:02.400 --> 00:51:06.440 I mean tons of carriers you wouldn't know or are 1100 00:51:06.440 --> 00:51:10.079 they shove standard? Yeah, Now they might have an excess 1101 00:51:10.119 --> 00:51:13.280 market if they're if they're admitted market doesn't qualify. 1102 00:51:13.719 --> 00:51:18.880 But do you think insurance would drop if they did 1103 00:51:18.880 --> 00:51:23.639 not have to go through the insurance board here? In 1104 00:51:23.719 --> 00:51:27.280 other words, if you didn't have to have three declines 1105 00:51:27.920 --> 00:51:31.199 just to go to the excess market, do you think 1106 00:51:31.320 --> 00:51:35.559 more companies would come in and actually drive insurance down? 1107 00:51:36.400 --> 00:51:37.320 Does that make sense? 1108 00:51:37.400 --> 00:51:40.239 No, it totally makes sense. It goes both ways. Here's 1109 00:51:40.239 --> 00:51:43.360 the thing. Could prices come down, of course, but your 1110 00:51:43.400 --> 00:51:46.159 coverages would be all over the board. And that's what 1111 00:51:46.239 --> 00:51:49.760 the insurance Commissioner's trying to do, is regulate the insurance 1112 00:51:49.880 --> 00:51:50.719 insurance company. 1113 00:51:50.800 --> 00:51:51.320 Yes, but when it. 1114 00:51:51.320 --> 00:51:53.320 Gets to the point where it is now and they're 1115 00:51:53.400 --> 00:51:57.280 so expensive, and everybody's thinking about well, just like we 1116 00:51:57.280 --> 00:51:58.400 were talking about, what's the. 1117 00:51:58.360 --> 00:51:59.559 Colorado one called again? 1118 00:51:59.719 --> 00:51:59.920 Fair? 1119 00:52:00.719 --> 00:52:01.440 So fair? 1120 00:52:01.719 --> 00:52:05.280 First of all only goes to seven hundred and fifty thousand, 1121 00:52:05.400 --> 00:52:07.320 so a lot of people are in trouble right there. 1122 00:52:07.599 --> 00:52:12.519 But more importantly, more importantly, think about this. Think about this, guys, 1123 00:52:13.320 --> 00:52:18.199 it's actual cash value on everything, no replacement cost. 1124 00:52:18.320 --> 00:52:18.679 Right now. 1125 00:52:18.679 --> 00:52:21.599 If there's a fire and my twenty year old couch 1126 00:52:21.719 --> 00:52:25.000 is gone, I get a new couch. If my house 1127 00:52:25.119 --> 00:52:28.039 that's fifty years is gone, I get a new house. 1128 00:52:28.519 --> 00:52:31.840 It's however much it costs to rebuild that house. Now 1129 00:52:31.880 --> 00:52:35.000 you're talking about I just think of like your typical 1130 00:52:35.039 --> 00:52:39.039 house in Parker or Highland's ranch, a typical track home. 1131 00:52:39.559 --> 00:52:41.719 I mean, my god, if it's thirty years old, the 1132 00:52:41.840 --> 00:52:45.719 argument could be, I mean, it's worth thirty percent, right, 1133 00:52:45.760 --> 00:52:47.960 I mean, I don't even know what it comes in at. 1134 00:52:48.079 --> 00:52:50.920 It's it's you think about it. It's a It's exactly 1135 00:52:50.920 --> 00:52:53.039 how auto policy is is covered. 1136 00:52:53.159 --> 00:52:56.760 Yeah, your new car, your car could sell for a 1137 00:52:56.920 --> 00:52:59.880 fifty thousand dollars brand new right now. But because you're 1138 00:53:00.159 --> 00:53:02.719 is seven years old, that car is worth five grand. 1139 00:53:03.079 --> 00:53:05.239 You're gonna get five grand for your house if it 1140 00:53:05.280 --> 00:53:06.119 burns down. 1141 00:53:06.000 --> 00:53:08.400 Right, I mean, obviously there's a market for it. With 1142 00:53:08.480 --> 00:53:10.239 auto insurance, it's much easier to. 1143 00:53:11.639 --> 00:53:13.440 You think of the home insurance Brian. 1144 00:53:13.719 --> 00:53:15.760 For the life of me, I have never thought, with 1145 00:53:15.880 --> 00:53:19.719 the exception of roofs in Colorado, I have never thought of. 1146 00:53:19.800 --> 00:53:21.639 Actual cash value. 1147 00:53:21.920 --> 00:53:24.679 And how many people out there have an ACV policy 1148 00:53:24.800 --> 00:53:27.480 right now for wind in hail perils that probably don't 1149 00:53:27.519 --> 00:53:29.800 even know it. How many people a year call you 1150 00:53:29.920 --> 00:53:32.760 up after a hailstorm they see the neighbors getting a 1151 00:53:32.800 --> 00:53:35.519 new roof and they call you up and they think 1152 00:53:35.519 --> 00:53:38.639 they have one thousand dollars deductible, which they might, but 1153 00:53:38.760 --> 00:53:41.440 not for hail and not for other perils. How many 1154 00:53:41.440 --> 00:53:43.039 people are in that boat. 1155 00:53:43.360 --> 00:53:46.679 Our customers, very few because you tell them well, or 1156 00:53:46.840 --> 00:53:48.360 we try not to put them with a carrier that 1157 00:53:48.400 --> 00:53:51.800 has ACV at all roof. Yeah, now that's or you 1158 00:53:51.880 --> 00:53:54.559 get the charge exactly. You got to give them a choice. 1159 00:53:54.760 --> 00:53:57.559 But there are more than you can celt that have 1160 00:53:57.760 --> 00:54:01.840 their state farm farm, all state that have no clue 1161 00:54:01.880 --> 00:54:04.679 that at ten years of age it went to ACV. 1162 00:54:04.960 --> 00:54:07.000 You know what, if people call you, let me ask 1163 00:54:07.039 --> 00:54:09.559 you something. If people call you and I'm gonna give 1164 00:54:09.559 --> 00:54:11.360 the number out again, not just for a quote, see 1165 00:54:11.400 --> 00:54:13.960 if they can save money. And also, of course, as 1166 00:54:14.000 --> 00:54:17.039 we talked about, make sure the replacement cost on their 1167 00:54:17.079 --> 00:54:20.159 house is in line for God's sake, because like we 1168 00:54:20.199 --> 00:54:22.760 said in Boulder ninety seven, what was it. 1169 00:54:22.760 --> 00:54:24.639 Yeah, I think it was in ninety eight, it was 1170 00:54:24.719 --> 00:54:26.599 something ridiculous. 1171 00:54:26.599 --> 00:54:29.880 Almost every person was under insured, some of them by 1172 00:54:29.960 --> 00:54:32.719 so much it's crazy. But the other thing, the other 1173 00:54:32.800 --> 00:54:35.079 thing you can tell them, they might not even know 1174 00:54:35.119 --> 00:54:37.480 if they have an ACV policy, right, they might have 1175 00:54:37.519 --> 00:54:40.559 been with State Farm all States, some of these, some 1176 00:54:40.599 --> 00:54:43.800 of these captive agents that don't shop you with anybody else. 1177 00:54:44.039 --> 00:54:46.519 They could have been with those, and when they renewed, 1178 00:54:46.840 --> 00:54:48.920 you know, the guy calls up and says here, yeah, 1179 00:54:49.079 --> 00:54:50.239 just sign there, it's all good. 1180 00:54:50.599 --> 00:54:51.280 You don't even know. 1181 00:54:51.360 --> 00:54:53.400 They don't even have to have them signed. It comes 1182 00:54:53.440 --> 00:54:56.360 up on renewal and people don't look a term, and 1183 00:54:56.480 --> 00:54:58.679 a lot of times it doesn't say ACV. It will 1184 00:54:58.679 --> 00:55:01.480 say root payment schedule, roof payment schedule. 1185 00:55:01.559 --> 00:55:03.559 They have no idea what that means. Hell, I have 1186 00:55:03.639 --> 00:55:05.880 no idea what that means. And it's actual cash value, 1187 00:55:06.400 --> 00:55:09.000 or they have a percentage of the dwelling, which could 1188 00:55:09.039 --> 00:55:13.559 be a twenty thirty forty thousand dollar out of pocket 1189 00:55:13.639 --> 00:55:14.480 new roofs. 1190 00:55:14.199 --> 00:55:15.320 If you have to have a new roof. 1191 00:55:15.400 --> 00:55:17.960 Yeah, God, people are nuts not to call listen. I've 1192 00:55:18.039 --> 00:55:20.920 used Brian for god, what's it been ten plus years? 1193 00:55:20.960 --> 00:55:21.280 Yeah. 1194 00:55:21.360 --> 00:55:23.599 When I bought that Tesla, I about had a heart attack. 1195 00:55:24.440 --> 00:55:26.360 I swear to god, I couldn't believe how much the 1196 00:55:26.400 --> 00:55:27.679 insurance was on that thing. 1197 00:55:28.039 --> 00:55:30.000 And I wonder if it's going to go up even more. 1198 00:55:30.400 --> 00:55:33.000 They're coming down just because they're becoming more and more common, 1199 00:55:33.039 --> 00:55:35.239 so parts are becoming more available to think. 1200 00:55:35.320 --> 00:55:37.599 Oh, that was the big thing with them, was getting 1201 00:55:37.639 --> 00:55:40.440 apart because it was Tesla and Tesla. 1202 00:55:40.079 --> 00:55:42.000 Only and they were hogging the hound. 1203 00:55:42.519 --> 00:55:42.840 All right. 1204 00:55:42.880 --> 00:55:45.239 Three oh, this is Brian's number. Give these guys a call. 1205 00:55:45.320 --> 00:55:48.159 Gary's got an issue with eviction. We have some lines open. 1206 00:55:48.239 --> 00:55:50.199 I promise Gary, I'll come to you hopefully we can 1207 00:55:50.239 --> 00:55:53.480 help you out. Three zero three Martino three oh three 1208 00:55:53.599 --> 00:55:56.599 seven one three eight two five five the Insurance Help Center. 1209 00:55:56.679 --> 00:55:59.239 Please give these guys a call. If you've been putting 1210 00:55:59.239 --> 00:56:01.480 it off, it's it's worth just asking them. They're not 1211 00:56:01.519 --> 00:56:04.440 gonna twist your arm. They're gonna give you nothing. 1212 00:56:04.400 --> 00:56:06.639 But the facts. They're going to tell you if you're 1213 00:56:06.719 --> 00:56:07.360 under insured. 1214 00:56:07.519 --> 00:56:09.639 They're going to tell you, more importantly, what kind of 1215 00:56:09.679 --> 00:56:12.079 insurance you have right now. They're gonna tell you if 1216 00:56:12.119 --> 00:56:15.280 you can save money, and they're gonna tell you anything 1217 00:56:15.280 --> 00:56:18.119 you want to know about insurance. Three oh three nine 1218 00:56:18.199 --> 00:56:21.599 nine six nine thousand three zero three nine nine six 1219 00:56:21.679 --> 00:56:24.840 nine thousand, and then hopefully Brian will get some examples 1220 00:56:24.840 --> 00:56:27.320 for everybody on how much you can save. That's what 1221 00:56:27.360 --> 00:56:29.760 I love about when you're in studio. There was one 1222 00:56:29.800 --> 00:56:32.920 time it was thirty thousand dollars a year. I admit 1223 00:56:33.039 --> 00:56:36.559 it was excessive because you they didn't have an umbrella, 1224 00:56:36.800 --> 00:56:38.760 or they were overpaying for the umbrella. 1225 00:56:39.280 --> 00:56:40.280 It was just forgetted. 1226 00:56:40.280 --> 00:56:42.360 They had a number of cars and homes and that 1227 00:56:42.400 --> 00:56:43.800 kind of thing and all kinds stuff. 1228 00:56:43.840 --> 00:56:47.360 But they were overpaying by thirty thousand. And not only that, 1229 00:56:47.440 --> 00:56:50.079 I remember what it was, they were overpaying by thirty 1230 00:56:50.079 --> 00:56:52.559 and not only did you come in with better insurance, 1231 00:56:52.599 --> 00:56:56.039 better coverage, you got them an umbrella which they didn't have. 1232 00:56:56.599 --> 00:56:59.360 Three oh three nine nine six nine thousand, Gary, You're 1233 00:56:59.400 --> 00:57:07.119 up next, three zero three Martino. 1234 00:57:07.320 --> 00:57:10.559 Go with a sure thing Denver's Best roofer Excel Roofing 1235 00:57:10.679 --> 00:57:15.840 dot com. You don't pay a cent until you're contenth 1236 00:57:16.679 --> 00:57:19.880 time for an insurance check up, free no obligation comparison 1237 00:57:20.000 --> 00:57:23.559 call Compass Insurance Paying too much your coverage at dozens 1238 00:57:23.599 --> 00:57:26.320 of insurance companies find out now three oh three seven 1239 00:57:26.400 --> 00:57:29.239 seven to one help. You'll think you're his only customer 1240 00:57:29.280 --> 00:57:31.519 when you choose Frank durand the real estate Man dot 1241 00:57:31.559 --> 00:57:34.840 com to list your home with Remax Alliance three oh 1242 00:57:34.920 --> 00:57:36.920 three nine two zero sixteen twenty two. 1243 00:57:43.480 --> 00:57:45.800 All right, three oh three seven one three eight two 1244 00:57:46.000 --> 00:57:46.760 five five. 1245 00:57:47.239 --> 00:57:47.920 I had two. 1246 00:57:47.719 --> 00:57:51.039 People ask me for the insurance help some help center 1247 00:57:51.119 --> 00:57:53.599 number three oh three nine nine six nine thousand. By 1248 00:57:53.639 --> 00:57:55.920 the way, this hour brought to you by Paul the 1249 00:57:56.000 --> 00:57:59.159 waterman man the best for less. 1250 00:57:59.199 --> 00:58:01.519 They have a system right now under four grand. Listen 1251 00:58:01.519 --> 00:58:01.760 to this. 1252 00:58:02.239 --> 00:58:05.199 Not only do you get rid of forevery chemicals, so 1253 00:58:05.320 --> 00:58:07.360 and this is in the whole house, not point of use. 1254 00:58:07.679 --> 00:58:09.360 I don't care what fossel you use. 1255 00:58:09.239 --> 00:58:11.079 In the house. You're not going to have that plastic 1256 00:58:11.159 --> 00:58:14.119 in there, which is incredible because it's everywhere. Look up 1257 00:58:14.199 --> 00:58:16.559 for every chemicals. If you don't believe me, it's nuts. 1258 00:58:16.880 --> 00:58:19.159 On top of that, it's going to get rid of chlorine, 1259 00:58:19.199 --> 00:58:20.960 and then on top of that, it's going to soften 1260 00:58:20.960 --> 00:58:21.400 your water. 1261 00:58:21.719 --> 00:58:22.840 It's going to do everything. 1262 00:58:23.119 --> 00:58:26.840 Then he's going to throw in a reverse osmosis for 1263 00:58:26.960 --> 00:58:29.679 your kitchen sink, so you get a point of use 1264 00:58:29.760 --> 00:58:34.239 reverse osmosis, and then the entire system for the house 1265 00:58:34.519 --> 00:58:37.559 that does everything else. We talked about less than four grand. 1266 00:58:37.599 --> 00:58:40.679 The competition is like eight nine ten grand. Call them out. 1267 00:58:40.719 --> 00:58:44.119 They'll test the water for free. They're great people. Waterpros 1268 00:58:44.199 --> 00:58:48.079 dot net. That's waterpros dot net. Now, let's see what's 1269 00:58:48.119 --> 00:58:52.079 going on with this poor guy? Hey Gary, what's going on? 1270 00:58:52.119 --> 00:58:52.280 Man? 1271 00:58:52.320 --> 00:58:55.119 It says you have an issue with eviction. Are you 1272 00:58:55.199 --> 00:58:59.639 getting evicted or are you trying to evict somebody? 1273 00:59:00.119 --> 00:59:02.119 I'm getting I was evicted, you. 1274 00:59:02.079 --> 00:59:05.000 Were a victim. Well it might be a little late 1275 00:59:05.039 --> 00:59:06.119 to call it all start. 1276 00:59:06.199 --> 00:59:08.960 It all started August twenty third of last year. 1277 00:59:09.119 --> 00:59:10.639 What happened my hand? 1278 00:59:11.000 --> 00:59:12.920 My hand went numb when I was on the computer 1279 00:59:13.519 --> 00:59:15.599 and I called VA. I'm a veteran. I called the 1280 00:59:15.719 --> 00:59:18.679 VA twenty four Owners helpline. She said, get to the 1281 00:59:18.679 --> 00:59:22.239 emergency room immediately. So I went to Penrose Emergency in 1282 00:59:22.280 --> 00:59:26.280 Colorado Springs, and in the waiting room in the emergency, 1283 00:59:26.480 --> 00:59:27.760 I suffered a major stroke. 1284 00:59:27.880 --> 00:59:31.119 Oh my god, man, what was your Hey real quick? 1285 00:59:31.199 --> 00:59:34.519 So I just want to understand this. Your your left 1286 00:59:34.519 --> 00:59:37.199 hand went like super numb or tinglely or kind of 1287 00:59:37.239 --> 00:59:38.880 describe it as best as you can. 1288 00:59:40.199 --> 00:59:42.719 My right hand was I couldn't feel the mouse. I 1289 00:59:42.719 --> 00:59:44.719 couldn't feel the mouse anymore. And I picked up the 1290 00:59:44.719 --> 00:59:47.280 TV or moll control and I couldn't feel that. So 1291 00:59:47.360 --> 00:59:49.360 I called the twenty fire inners Helpline. 1292 00:59:49.400 --> 00:59:51.239 I got that part. Did your other hand? 1293 00:59:51.280 --> 00:59:53.800 I'm saying this just for everybody listening to know the 1294 00:59:53.920 --> 00:59:57.840 signs of a major stroke. So your left hand at 1295 00:59:57.880 --> 01:00:03.000 this point though you can feel stuff. Yes, that's amazing. 1296 01:00:03.079 --> 01:00:06.039 So that was really the only sign? Was that right 1297 01:00:06.079 --> 01:00:08.840 hand going super numb? Or was your other signs? 1298 01:00:11.559 --> 01:00:14.320 None? There's told me to get to the emergency room immediately, 1299 01:00:14.320 --> 01:00:16.840 and I did. God, and I'm sitting in the waiting room. 1300 01:00:16.880 --> 01:00:18.840 I'm sitting in the waiting room and a male nurse 1301 01:00:18.880 --> 01:00:21.880 walks into the waiting room looks at me and points 1302 01:00:21.880 --> 01:00:26.440 at me and starts yelling stroke, stroke, stroke, And I 1303 01:00:26.519 --> 01:00:27.280 passed out. 1304 01:00:27.320 --> 01:00:28.079 And that's wow. 1305 01:00:28.119 --> 01:00:30.320 What do you remember? Like when you woke up? How 1306 01:00:30.360 --> 01:00:31.960 long is it? Where are you at? 1307 01:00:32.920 --> 01:00:35.880 I woke up the next morning and intensive care they 1308 01:00:35.920 --> 01:00:39.599 operated on me. They did some sort of section on 1309 01:00:39.679 --> 01:00:44.360 my brain and removed clots, and I couldn't walk and 1310 01:00:44.400 --> 01:00:46.639 I couldn't talk for a couple of months. 1311 01:00:46.800 --> 01:00:49.559 Was it in the main artery? Where was the clot? 1312 01:00:49.599 --> 01:00:51.960 Did they ever tell you? 1313 01:00:52.000 --> 01:00:54.039 No? They never really figured out. They're pretty sure it 1314 01:00:54.079 --> 01:00:55.480 was coming from the heart. 1315 01:00:55.760 --> 01:00:57.800 Oh my god. Something, it's just terrifying. 1316 01:00:57.840 --> 01:01:01.320 Something breaks loose, some piece of plaque, breaks loose and 1317 01:01:01.400 --> 01:01:04.039 all of a sudden, you're having a stroke. You are 1318 01:01:04.199 --> 01:01:08.159 so freaking lucky you got to that hospital. 1319 01:01:08.199 --> 01:01:09.440 You might not be alive. 1320 01:01:09.639 --> 01:01:14.679 Brother, That's true, and what's funny is not funny. When 1321 01:01:14.719 --> 01:01:18.559 I left the tensive care six days later, the doctor 1322 01:01:18.559 --> 01:01:21.079 pulled me aside and said, you did not have one stroke? 1323 01:01:21.360 --> 01:01:23.000 I said, what did I have? He said, you had 1324 01:01:23.039 --> 01:01:26.360 four strokes? Well, MRI when you were passed out. He said, 1325 01:01:26.400 --> 01:01:28.840 we did an MRI when you were out called and 1326 01:01:28.920 --> 01:01:30.320 we found four strokes. 1327 01:01:30.639 --> 01:01:32.119 What do they do afterwards? 1328 01:01:32.119 --> 01:01:34.440 We're going to get to your eviction problem, but I'm 1329 01:01:34.599 --> 01:01:38.920 just fascinated by this. What like, what is the follow up? 1330 01:01:38.920 --> 01:01:41.000 In other words, do you go in for screening? 1331 01:01:41.239 --> 01:01:42.000 Do they put you. 1332 01:01:42.000 --> 01:01:46.280 On some kind of medication so basically the plaque breaks down, 1333 01:01:46.360 --> 01:01:48.280 or what or anything at all? 1334 01:01:48.360 --> 01:01:49.039 What do they do? 1335 01:01:49.760 --> 01:01:54.960 They increased my blood pressure pressure medication to a stronger dosage, 1336 01:01:55.000 --> 01:01:59.320 and they increased my cholesterol medication to a very strong dosage. 1337 01:02:00.760 --> 01:02:01.880 There's about all they can do. 1338 01:02:02.840 --> 01:02:06.079 We just got so just a side note, it terrified 1339 01:02:06.079 --> 01:02:08.679 the hell out of me. Guys, Suzanne and I went in. 1340 01:02:09.119 --> 01:02:11.280 We spent one hundred and seventy nine bucks to have 1341 01:02:11.400 --> 01:02:14.360 this artery scan this full. It was more than that. 1342 01:02:14.480 --> 01:02:17.599 It was like three different things and you just sit there. 1343 01:02:17.920 --> 01:02:23.360 Have you done this, Brian? They put this like, I 1344 01:02:23.400 --> 01:02:25.360 don't even know what it's called. I guess it's like, 1345 01:02:25.440 --> 01:02:27.559 it's not an X ray machine. What do they put 1346 01:02:27.559 --> 01:02:29.840 on a baby a pregnant woman's belly. 1347 01:02:29.840 --> 01:02:32.760 Oh, it's it's it looks like that. It's kind of 1348 01:02:32.760 --> 01:02:33.639 like vassiline. 1349 01:02:34.119 --> 01:02:35.719 No, no, no, but the wand thing. 1350 01:02:36.000 --> 01:02:38.079 Oh yeah, I don't know, thank you. 1351 01:02:40.039 --> 01:02:42.400 And they put it right up on your big arteries 1352 01:02:42.440 --> 01:02:45.199 on both sides and they're squeezing it and they're looking for. 1353 01:02:45.119 --> 01:02:46.199 Any plaque build up. 1354 01:02:46.599 --> 01:02:48.800 And then you know, they tell you what's going on, 1355 01:02:49.119 --> 01:02:51.119 and it just terrifies the hell out of me. I mean, 1356 01:02:51.159 --> 01:02:53.960 we were fine, but I mean just that's how that's 1357 01:02:54.000 --> 01:02:55.760 how bad I am. So when I hear a story 1358 01:02:55.880 --> 01:02:58.920 like this, I'm just like, now, now, if if I 1359 01:02:58.960 --> 01:03:01.280 sleep on my arm wrong in my hand goes numb, 1360 01:03:01.360 --> 01:03:04.599 I'm gonna have Suzanne drive me to the damn hospital. Hey, 1361 01:03:04.639 --> 01:03:07.079 you guys think I'm kidding, I'm not kidding. That stuff 1362 01:03:07.159 --> 01:03:11.360 terrifies me. Let's fast forward. What's going on with the eviction. 1363 01:03:12.320 --> 01:03:14.760 Okay, Well, I was bed ridden for several months. I 1364 01:03:14.800 --> 01:03:17.119 got I got out of the hospital and I called 1365 01:03:17.119 --> 01:03:19.760 the company I was working for out of Florida, their 1366 01:03:19.880 --> 01:03:23.239 Senior Life Services. I was a life insurance salesman. Remote 1367 01:03:23.360 --> 01:03:24.760 got it. I called them and I told him I 1368 01:03:24.800 --> 01:03:26.760 had a stroke and I have to learn how to 1369 01:03:26.800 --> 01:03:30.320 walk again and I couldn't talk. I did a month off. 1370 01:03:30.320 --> 01:03:32.039 See, pretty hard to sell insurance. 1371 01:03:33.519 --> 01:03:34.559 Yeah, well they fired me. 1372 01:03:35.280 --> 01:03:38.599 Oh that sucks, bro. Did you get on unemployment at least? 1373 01:03:39.719 --> 01:03:41.000 No, I haven't done anything. 1374 01:03:42.000 --> 01:03:43.079 When did they fire you. 1375 01:03:45.119 --> 01:03:46.519 A week after the stroke? 1376 01:03:46.920 --> 01:03:50.159 So August? Still? Basically no, it was. 1377 01:03:50.119 --> 01:03:52.280 August twenty third night of the stroke. They fired me 1378 01:03:52.320 --> 01:03:53.360 around September first. 1379 01:03:53.519 --> 01:03:55.880 But would you say you haven't done anything? I'm just curious. 1380 01:03:55.880 --> 01:03:58.480 Why didn't you go apply for unemployment? How long did 1381 01:03:58.519 --> 01:04:00.679 you work for this company? Were you like a ten 1382 01:04:00.760 --> 01:04:02.480 ninety nine commission only or what? 1383 01:04:03.360 --> 01:04:05.800 Yes? Oh, thay nine. I tried to get an attorney 1384 01:04:05.800 --> 01:04:09.079 to go after him for a lawful termination and he said, 1385 01:04:09.079 --> 01:04:10.960 you were ten ninety nine. There's nothing I can do. 1386 01:04:11.119 --> 01:04:12.599 Florida is a right to work state. 1387 01:04:13.119 --> 01:04:16.199 Yeah, well, it's curious you're here though, right in Colorado? 1388 01:04:17.440 --> 01:04:18.599 Yes, from Colorado Spring. 1389 01:04:18.679 --> 01:04:19.360 Did they pay you? 1390 01:04:19.400 --> 01:04:23.400 And I'm just curious, man, totally curious. Did they pay. 1391 01:04:23.199 --> 01:04:26.159 You under a LLC that you owned? Or did they 1392 01:04:26.280 --> 01:04:28.960 pay Gary whatever your last name is? 1393 01:04:30.559 --> 01:04:30.960 My name? 1394 01:04:31.400 --> 01:04:35.039 That's very curious. Did you even try to file for unemployment? 1395 01:04:35.079 --> 01:04:36.519 Gary? 1396 01:04:36.840 --> 01:04:38.719 No? Because I wasn't able to walk or talk. 1397 01:04:38.840 --> 01:04:40.840 Yeah, I got you, all right, let me do this, 1398 01:04:40.960 --> 01:04:41.559 Let me do this. 1399 01:04:41.840 --> 01:04:44.400 I'm fascinated by this and I'm really hoping we can 1400 01:04:44.440 --> 01:04:46.079 help you out, but I got to take this break. 1401 01:04:46.119 --> 01:04:48.559 I promise I'll come back to you. First two open 1402 01:04:48.639 --> 01:04:52.039 lines three zero three seven one three eight two five five. 1403 01:04:52.079 --> 01:04:58.000 We want to hear from you. 1404 01:04:58.039 --> 01:05:01.960 Go with a sure thing Denver's Best Excel roofing dot com. 1405 01:05:02.000 --> 01:05:07.760 You don't pay a cent until you're content. Time for 1406 01:05:07.760 --> 01:05:11.559 an insurance checkup free, no obligation. In comparison, call Compass 1407 01:05:11.559 --> 01:05:14.840 Insurance paying too much your coverage at dozens of insurance 1408 01:05:14.880 --> 01:05:17.360 companies find out now three O three seven to seven 1409 01:05:17.360 --> 01:05:20.119 to one help. You'll think you're his only customer when 1410 01:05:20.159 --> 01:05:22.639 you choose Frank durand the real estate Man dot com 1411 01:05:22.679 --> 01:05:25.800 to list your home with Remax Alliance three oh three 1412 01:05:25.880 --> 01:05:35.199 nine two zero sixteen twenty two. 1413 01:05:33.000 --> 01:05:35.280 You know, this one's a little nuts. We're trying to 1414 01:05:35.280 --> 01:05:37.719 figure out. You know, this poor guy had a stroke 1415 01:05:37.800 --> 01:05:41.519 back in August, and after he had this stroke, he 1416 01:05:41.760 --> 01:05:44.559 basically lost his job. It was a ten ninety nine job. 1417 01:05:44.800 --> 01:05:47.119 I wanted to say something, and why I was saying 1418 01:05:47.159 --> 01:05:50.400 even though it's a ten ninety nine unemployment, I don't 1419 01:05:50.400 --> 01:05:52.800 care where the company's located in Colorado. 1420 01:05:52.840 --> 01:05:53.840 There's a few things. 1421 01:05:54.239 --> 01:05:58.760 If you only represent one company and all you do 1422 01:05:58.840 --> 01:06:01.920 is work for one company, and you work when they 1423 01:06:01.960 --> 01:06:04.159 tell you to work. In other words, you know, Monday 1424 01:06:04.199 --> 01:06:08.639 through Friday, we want you on your computer selling insurance 1425 01:06:08.719 --> 01:06:12.440 between ten and three, and you have a business card 1426 01:06:12.519 --> 01:06:15.159 that says that company's logo on it with your name 1427 01:06:15.239 --> 01:06:19.280 that they provided, and you don't sell anything else for 1428 01:06:19.360 --> 01:06:22.320 anybody else. You only work for that one company. You'd 1429 01:06:22.320 --> 01:06:27.159 be surprised you might get unemployment. So I'm not going 1430 01:06:27.280 --> 01:06:31.159 to be labor that point. Gary or beat a dead 1431 01:06:31.199 --> 01:06:33.920 horse is probably a better one with that. But I 1432 01:06:33.960 --> 01:06:38.679 think a call to unemployment might be worth just you 1433 01:06:38.840 --> 01:06:41.960 collecting some money. So I just wanted to throw that 1434 01:06:42.079 --> 01:06:44.599 out there. But let's keep moving on. So you got 1435 01:06:44.599 --> 01:06:48.280 fired about a week after you wake up from the stroke. 1436 01:06:48.559 --> 01:06:50.480 You've got to learn to walk, you got to learn 1437 01:06:50.519 --> 01:06:53.400 to talk. And the bottom line is you can't sell 1438 01:06:53.400 --> 01:06:56.400 insurance anymore, so the company doesn't have you. And then 1439 01:06:56.440 --> 01:06:59.360 when did the landlord come into this? What happened next? 1440 01:07:00.480 --> 01:07:02.760 Because I couldn't get out of bed. I couldn't walk, 1441 01:07:02.960 --> 01:07:05.280 and uh, I was falling every time I'd get out 1442 01:07:05.320 --> 01:07:09.639 of bed and hurt myself pretty badly a few times. 1443 01:07:10.079 --> 01:07:12.679 And I couldn't work. I couldn't get it work because 1444 01:07:12.679 --> 01:07:14.719 I couldn't talk. I couldn't talk on the telephone to. 1445 01:07:15.079 --> 01:07:15.800 I get it man. 1446 01:07:17.119 --> 01:07:20.360 And so in January I got a notice of eviction 1447 01:07:20.960 --> 01:07:22.800 that they're victim me for non payment of risk? 1448 01:07:22.920 --> 01:07:25.199 How far back at this point? When did you get 1449 01:07:25.239 --> 01:07:25.920 that notice? 1450 01:07:27.400 --> 01:07:28.000 January? 1451 01:07:28.280 --> 01:07:30.559 Was August paid for when you had the stroke? Was 1452 01:07:30.599 --> 01:07:32.920 that month paid or were you already in the rears? 1453 01:07:34.679 --> 01:07:36.760 No? I was paid up to that point, so did you? 1454 01:07:36.840 --> 01:07:37.760 So you didn't pay? 1455 01:07:37.800 --> 01:07:37.880 What? 1456 01:07:38.079 --> 01:07:45.920 September, September, November, October? I just couldn't pay. I couldn't work. 1457 01:07:46.000 --> 01:07:48.199 Yeah, I get you talk. So then they then they 1458 01:07:48.239 --> 01:07:49.840 evicted you for nonpayment. 1459 01:07:49.920 --> 01:07:53.239 Well, as you can tell, I can now talk. Yeah, 1460 01:07:53.280 --> 01:07:57.039 it's taken a while of course, I still walk with 1461 01:07:57.079 --> 01:08:02.440 a cane. I was evicted for non payment of rent. Yeah, 1462 01:08:02.440 --> 01:08:05.480 there should be some of the American Disabilities Act that, 1463 01:08:05.679 --> 01:08:08.079 you know, somebody in my condition should have been protected. 1464 01:08:08.159 --> 01:08:15.519 I don't think so. Is that your question to me? Yes, Yeah, 1465 01:08:15.559 --> 01:08:18.840 I don't think so. For the failure to pay rent 1466 01:08:18.920 --> 01:08:22.279 for three four months, I mean, that's it. I mean, 1467 01:08:22.279 --> 01:08:24.800 they're going to event you. And honestly, I hate to 1468 01:08:24.840 --> 01:08:26.880 say this. I feel for you big time, man, I 1469 01:08:26.920 --> 01:08:29.880 feel for anybody in that case. But you know, the 1470 01:08:29.960 --> 01:08:32.760 landlord has to get paid for all. We know he's 1471 01:08:32.760 --> 01:08:35.439 got a mortgage on that property or anything. Yeah, Brian, what. 1472 01:08:35.439 --> 01:08:38.920 About rents assistance? Did you go that route, because that's possible. 1473 01:08:41.079 --> 01:08:44.399 I tried with the VA and came up with nothing. 1474 01:08:44.880 --> 01:08:48.199 Yeah, you know, he's in such bad shape at the time, 1475 01:08:48.520 --> 01:08:50.720 but there's no there is no law that I know 1476 01:08:50.880 --> 01:08:54.359 of that is going to protect you after that amount 1477 01:08:54.439 --> 01:08:54.840 of time. 1478 01:08:56.039 --> 01:09:00.279 Well, right right now, I'm in VA emergency housing, which 1479 01:09:00.319 --> 01:09:00.920 really sucks. 1480 01:09:02.079 --> 01:09:04.439 What is that describe like? Where you live? Tell us 1481 01:09:04.479 --> 01:09:04.880 about it. 1482 01:09:06.039 --> 01:09:09.359 I live at a Salvation Army shelter. 1483 01:09:09.840 --> 01:09:10.159 Geez. 1484 01:09:10.159 --> 01:09:13.960 Part of it has been isolated for veterans only. Yeah, 1485 01:09:14.000 --> 01:09:18.520 and it sucks. It's like a barracks type situation. It 1486 01:09:18.560 --> 01:09:19.119 just sucks. 1487 01:09:19.319 --> 01:09:21.479 Well, what can we do to help you at this point? 1488 01:09:21.520 --> 01:09:23.760 There's no there's nothing we're going to do with that 1489 01:09:23.920 --> 01:09:25.520 landlord or get you back in there. 1490 01:09:25.800 --> 01:09:26.720 Can you work now? 1491 01:09:26.960 --> 01:09:30.439 Maybe someone's listening that could hire you. 1492 01:09:30.439 --> 01:09:37.039 No, I did. American American Family Insurance has given me 1493 01:09:37.960 --> 01:09:40.560 an offer to work for them, nice, which I'm going 1494 01:09:40.600 --> 01:09:44.279 to accept. It's commission only, but take it. Yeah, I'm 1495 01:09:44.319 --> 01:09:45.319 going to go to work for them. 1496 01:09:45.439 --> 01:09:47.439 And how long have you been selling insurance? 1497 01:09:49.239 --> 01:09:50.560 About four years? 1498 01:09:51.079 --> 01:09:51.479 Okay? 1499 01:09:51.760 --> 01:09:54.439 Yeah, I mean let me ask you something, Brian, just 1500 01:09:54.439 --> 01:09:57.880 because you own Compass Insurance, typically when you work for 1501 01:09:57.920 --> 01:09:59.159 American Family or. 1502 01:09:59.079 --> 01:10:01.159 Any of these guys. I didn't realize. 1503 01:10:01.680 --> 01:10:04.880 So American Family, they'll hold you hostage, right, They only 1504 01:10:04.920 --> 01:10:06.000 sell American Family. 1505 01:10:06.039 --> 01:10:07.560 It's a captive company. Yeah. 1506 01:10:07.600 --> 01:10:11.279 So, and most of their agents are generally ten ninety 1507 01:10:11.319 --> 01:10:12.319 nine is a normal. 1508 01:10:12.520 --> 01:10:12.760 Yeah. 1509 01:10:12.920 --> 01:10:15.079 Yeah, absolutely, that's how it was. I worked at all 1510 01:10:15.119 --> 01:10:17.760 State before I started this twenty five years ago. Yeah, 1511 01:10:17.880 --> 01:10:21.039 could you work for other people as well? Nope, the 1512 01:10:21.119 --> 01:10:23.880 captive contract you can only work for them, but they 1513 01:10:23.920 --> 01:10:27.359 still don't consider you an employee. You're not w two 1514 01:10:27.479 --> 01:10:30.039 it is definitely a ten ninety one a contract. 1515 01:10:30.079 --> 01:10:33.119 I wonder if there's a loophole for that just because 1516 01:10:33.159 --> 01:10:36.680 of the insurance board or the commission. I have never 1517 01:10:36.800 --> 01:10:39.760 heard when you worked for the other company who wasn't 1518 01:10:39.760 --> 01:10:42.920 American Family Gary So. 1519 01:10:42.920 --> 01:10:45.640 The company that fired me, Yeah, Senior Life Services out 1520 01:10:45.680 --> 01:10:46.159 of Florida. 1521 01:10:46.239 --> 01:10:49.239 Could you work for other people or just them? 1522 01:10:50.279 --> 01:10:51.199 No? I was a captive. 1523 01:10:51.600 --> 01:10:54.359 See okay, okay, hold on, I'm not you know what. 1524 01:10:54.479 --> 01:10:56.319 I'll talk to you a little after break. I'm not 1525 01:10:56.359 --> 01:10:59.359 sure what else to help you with. I'm very glad 1526 01:10:59.439 --> 01:11:02.119 you got new job. Maybe we can put fielders out 1527 01:11:02.119 --> 01:11:04.920 there for an apartment or something. But three oh three 1528 01:11:05.119 --> 01:11:07.640 seven one three A two five five and give the 1529 01:11:07.640 --> 01:11:10.199 insurance help center a call. Three oh three nine nine 1530 01:11:10.239 --> 01:11:12.880 cents nine thousand. We've got a couple hours to go. 1531 01:11:12.960 --> 01:11:14.039 I want a healer from you. 1532 01:11:14.199 --> 01:11:21.079 Three oh three Martino, go with a sure thing Denver's 1533 01:11:21.119 --> 01:11:23.439 best roofer Excel roofing dot com. 1534 01:11:23.479 --> 01:11:27.640 You don't pay a cent until you're contenth. 1535 01:11:28.880 --> 01:11:32.039 Time for an insurance check up free, no obligation. In comparison, 1536 01:11:32.199 --> 01:11:35.760 call Compass insurance paying too much your coverage at dozens 1537 01:11:35.760 --> 01:11:38.479 of insurance companies find out now three oh three seven 1538 01:11:38.479 --> 01:11:40.840 to seven to one help. You'll think you're his only 1539 01:11:40.920 --> 01:11:43.399 customer when you choose Frank durand the real estate Man 1540 01:11:43.439 --> 01:11:46.920 dot Com to list your home with Remax Alliance three 1541 01:11:46.920 --> 01:11:50.840 oh three nine two zero sixteen twenty two. 1542 01:11:54.720 --> 01:11:59.880 Ris so you don't have. 1543 01:12:02.760 --> 01:12:05.760 Us as we can show. 1544 01:12:05.960 --> 01:12:07.560 Shooter's gonna help. 1545 01:12:07.560 --> 01:12:14.920 Coming man this he is the Troubleshooter Show. No Tom Martinez, Welcome, Welcome, 1546 01:12:14.920 --> 01:12:16.720 my friends to the only show of it's kind. 1547 01:12:16.880 --> 01:12:19.479 We are here to solve problems. 1548 01:12:19.159 --> 01:12:21.840 Answer questions, take complaints, try to make your life a 1549 01:12:21.840 --> 01:12:24.199 little bit better. And that's what we love doing. We 1550 01:12:24.279 --> 01:12:28.199 have recouped over three hundred million dollars UH in forty 1551 01:12:28.279 --> 01:12:30.479 years directly due to this show. Think of that, three 1552 01:12:30.560 --> 01:12:35.439 hundred million dollars in cash and merchandise exchanges, refund services 1553 01:12:35.800 --> 01:12:39.199 directly do At one point, we helped a person actually 1554 01:12:39.279 --> 01:12:42.960 get a liver. We help someone get a liver, We 1555 01:12:43.039 --> 01:12:46.840 found a donor for him years ago. We've helped people 1556 01:12:46.880 --> 01:12:49.760 do all kinds of things over the years. You know, 1557 01:12:49.840 --> 01:12:51.760 one of the things we were talking about during the 1558 01:12:51.800 --> 01:12:56.119 break is this poor guy, he's a veteran. He got evicted. 1559 01:12:56.159 --> 01:12:58.039 He didn't pay for a while. There's nothing we can 1560 01:12:58.119 --> 01:13:01.600 do there for Gary, But right now he finally did 1561 01:13:01.640 --> 01:13:03.640 get a new job, and Gary, I'll finish up with 1562 01:13:03.680 --> 01:13:07.159 you real quick. You didn't happen to opt in? What 1563 01:13:07.319 --> 01:13:08.199 is it referred to? 1564 01:13:08.319 --> 01:13:09.159 Again to me? 1565 01:13:09.359 --> 01:13:12.600 Juree Colorado Family leve Act. It goes by this acronym 1566 01:13:12.640 --> 01:13:14.960 called family. I'm not sure what it stands for. 1567 01:13:15.199 --> 01:13:18.760 So if you're an independent contractor, and by the way, 1568 01:13:19.039 --> 01:13:22.800 I did look up in Colorado, listen to this. 1569 01:13:22.800 --> 01:13:23.960 This is kind of crazy. 1570 01:13:24.640 --> 01:13:30.720 Under most conditions, you would be considered an employee. But 1571 01:13:31.039 --> 01:13:35.039 there are some exemptions. One is for domestic workers like 1572 01:13:35.079 --> 01:13:38.119 a nanny or an no pair. One is for real 1573 01:13:38.239 --> 01:13:43.279 estate brokers and agents like insurance agents with a contract 1574 01:13:43.800 --> 01:13:48.239 working solely on commission. So the industry itself carved out 1575 01:13:48.279 --> 01:13:52.560 a loophole with our legislature. I mean, that's the bottom line. 1576 01:13:52.840 --> 01:13:54.880 So you're not going to go down that road. It 1577 01:13:54.960 --> 01:13:58.520 kind of sucks. So because me paying somebody to give 1578 01:13:58.520 --> 01:14:02.640 you an idea, Kelly is an independent contractor for me, 1579 01:14:03.199 --> 01:14:06.880 she answers the phone when you call. But Kelly also 1580 01:14:07.359 --> 01:14:10.319 works for Dan Kaplis And who else do you work for? 1581 01:14:10.439 --> 01:14:10.760 Kelly? 1582 01:14:10.800 --> 01:14:14.119 Don't you work for Ryan Tump sometimes too. You work 1583 01:14:14.199 --> 01:14:18.000 for numerous different people or your your LLC does. 1584 01:14:18.279 --> 01:14:20.600 Yes, So because she does. 1585 01:14:21.119 --> 01:14:24.680 Because she works for me but does the same thing 1586 01:14:24.760 --> 01:14:28.239 for other people, we all pay her. She's not our employee. 1587 01:14:28.319 --> 01:14:31.399 Plus she owns her own company. What's your company. 1588 01:14:31.039 --> 01:14:33.159 Called in Root Productions? 1589 01:14:33.279 --> 01:14:35.920 Yeah, in Root Productions. So I mean that's what she 1590 01:14:36.039 --> 01:14:38.880 does for a living. She works for herself. Now, Kelly, 1591 01:14:38.960 --> 01:14:41.239 I don't know if you know this, but Dmitri found 1592 01:14:41.279 --> 01:14:44.600 this out for Gary. You can either opt in or 1593 01:14:44.720 --> 01:14:46.960 opt out. No, you don't have to opt out. You're 1594 01:14:46.960 --> 01:14:49.359 automatically out unless you choose to opt in. 1595 01:14:49.479 --> 01:14:51.239 So you have to opt in. You have to the 1596 01:14:51.279 --> 01:14:52.159 Family Leave Act. 1597 01:14:52.199 --> 01:14:55.680 Yeah, if you're self employed, did you know that, Kelly? 1598 01:14:55.800 --> 01:14:56.039 Yes? 1599 01:14:56.279 --> 01:14:57.399 Did you opt in? Or no? 1600 01:14:58.000 --> 01:15:00.840 I have not opted in because Mike kids are. 1601 01:15:01.600 --> 01:15:03.760 It wouldn't matter. It would not matter because they're old 1602 01:15:03.880 --> 01:15:05.399 enough where literally it wouldn't matter. 1603 01:15:05.920 --> 01:15:09.159 But you know, the interesting part about this family is 1604 01:15:09.279 --> 01:15:12.079 it also covers you if you needed to take time off. Oh, 1605 01:15:12.119 --> 01:15:14.239 that's it. That's the prime. So that's why I looked 1606 01:15:14.279 --> 01:15:15.720 it up on behalf of our caller. 1607 01:15:16.119 --> 01:15:18.720 So, Gary, you don't happen to know if you opted 1608 01:15:18.760 --> 01:15:21.079 into the Family Leave Act, did you, because that might 1609 01:15:21.119 --> 01:15:22.399 be another source of money. 1610 01:15:22.840 --> 01:15:26.000 Mark, there's a time on that of one year. 1611 01:15:26.119 --> 01:15:28.359 I think, so you got to opt in for the 1612 01:15:28.399 --> 01:15:29.079 following year. 1613 01:15:29.439 --> 01:15:31.439 Yeah, you have to be with someone for a year. 1614 01:15:31.560 --> 01:15:34.479 Oh how long were you with that other company? Gary? 1615 01:15:36.880 --> 01:15:37.239 Gary? 1616 01:15:40.000 --> 01:15:42.479 I think I hear him talking, but I don't hear him. 1617 01:15:42.760 --> 01:15:44.359 Well, I mean we'll kind of leave it at that, 1618 01:15:44.479 --> 01:15:47.880 but for I'm just going to drop him for people listening, though, 1619 01:15:48.159 --> 01:15:51.560 if you own your own business, you can opt into it. 1620 01:15:51.640 --> 01:15:54.359 And what does it cover? Dmitri Basically, so you're saying 1621 01:15:54.600 --> 01:15:56.680 not only if you had a kid, or if you 1622 01:15:56.720 --> 01:16:00.399 were adopting a child or anything along those lines, if 1623 01:16:00.439 --> 01:16:04.159 you actually had a stroke, it would most likely cover you. 1624 01:16:04.680 --> 01:16:07.359 Yeah, it covers you against stuff like that. It also 1625 01:16:07.600 --> 01:16:10.399 I actually have a friend who just started this Family 1626 01:16:10.439 --> 01:16:13.760 Leave Act a couple of days ago because this person 1627 01:16:13.960 --> 01:16:17.359 was having some stress issues. It's a you know, a 1628 01:16:17.399 --> 01:16:18.439 young single female. 1629 01:16:18.479 --> 01:16:21.279 Now was it an individual like her own company or 1630 01:16:21.319 --> 01:16:21.960 she worked. 1631 01:16:21.720 --> 01:16:22.840 For so she was an employee. 1632 01:16:22.920 --> 01:16:25.640 So while she's on it, how much does she get. 1633 01:16:25.800 --> 01:16:27.760 I don't know if it's like. 1634 01:16:27.760 --> 01:16:32.359 Seventy It is a formula and it's not universal. They 1635 01:16:32.640 --> 01:16:35.159 because I've had employees that have been on this for 1636 01:16:35.239 --> 01:16:37.239 either health related issues. 1637 01:16:37.399 --> 01:16:40.119 So you have to have it now for your employees. Yeah, 1638 01:16:40.159 --> 01:16:40.800 every employee. 1639 01:16:40.920 --> 01:16:42.880 When I had employees, I mean we're going back to 1640 01:16:42.960 --> 01:16:44.840 twenty fifteen, this wasn't a thing. 1641 01:16:44.920 --> 01:16:45.840 Yeah, No, it's newer. 1642 01:16:46.000 --> 01:16:47.720 Yes, it started like a year or two. 1643 01:16:48.279 --> 01:16:50.920 Even if you don't back in the day, I had 1644 01:16:51.000 --> 01:16:52.239 like forty eight employees. 1645 01:16:52.319 --> 01:16:53.720 If I went over fifty. 1646 01:16:54.000 --> 01:16:56.560 To give you an idea, I had to have certain 1647 01:16:56.840 --> 01:17:00.640 health coverage for them under Obamacare, but under fifty I didn't. 1648 01:17:01.039 --> 01:17:03.000 Is it the same way now or it doesn't matter 1649 01:17:03.039 --> 01:17:04.800 if you have one or fifty. 1650 01:17:04.479 --> 01:17:07.680 In Colorado, it's it's just automatic automatic. 1651 01:17:07.680 --> 01:17:08.279 You're doing this. 1652 01:17:08.359 --> 01:17:11.760 Yeah, and and I think it's three months give I 1653 01:17:11.760 --> 01:17:13.439 think is what it is of a payment? 1654 01:17:13.880 --> 01:17:15.520 How much life they get paid? 1655 01:17:16.159 --> 01:17:19.640 Well, it looked so she got approved for nine weeks. 1656 01:17:20.279 --> 01:17:20.439 Now. 1657 01:17:20.520 --> 01:17:22.760 I didn't ask how much, but I did kind of 1658 01:17:23.159 --> 01:17:27.000 quickly glance at their website. There's some there's a formula 1659 01:17:27.560 --> 01:17:31.479 and it depends on your annual income relative to the 1660 01:17:31.600 --> 01:17:34.279 average state income, and then how long you've been working 1661 01:17:34.319 --> 01:17:35.760 and how much you actually. 1662 01:17:35.439 --> 01:17:38.159 Marr So it's a formula. 1663 01:17:37.760 --> 01:17:39.880 Yeah, it's like either six or nine hundred bucks a 1664 01:17:39.920 --> 01:17:41.680 week is kind of like what it looked like to me. 1665 01:17:41.760 --> 01:17:43.119 So it's kind of like unemployment. 1666 01:17:43.199 --> 01:17:47.560 That's yeah, on it. So if you're if you're in it, 1667 01:17:47.720 --> 01:17:51.399 yes you do. I don't like dragging your paycheck from 1668 01:17:51.439 --> 01:17:54.039 my heart. You pay into family leads, that is correct? 1669 01:17:54.039 --> 01:17:56.000 And how much do you know how much you pay in? 1670 01:17:56.359 --> 01:17:59.600 I honestly don't, but I think it's like a half 1671 01:17:59.640 --> 01:18:02.000 a percent or something something like that, as well as 1672 01:18:02.079 --> 01:18:03.760 iHeart kicks in that other half way. 1673 01:18:03.800 --> 01:18:06.600 Have you used it like when you had the grand baby? 1674 01:18:06.640 --> 01:18:09.359 Would you be allowed to use it? I think I 1675 01:18:09.479 --> 01:18:11.159 would be able to, but you didn't. 1676 01:18:11.239 --> 01:18:11.960 I did not know. 1677 01:18:12.560 --> 01:18:15.640 Do you think an employer and I don't. I'm not 1678 01:18:15.760 --> 01:18:18.640 talking just iHeart. It's weird because we're sitting in there building. 1679 01:18:18.680 --> 01:18:20.880 But do you think they frown upon it? 1680 01:18:21.920 --> 01:18:24.079 I don't think the higher ups around here would really 1681 01:18:24.199 --> 01:18:27.239 care so much. It's okay, complicated to work around for sure. 1682 01:18:27.239 --> 01:18:28.359 It's just like taking vacation. 1683 01:18:28.399 --> 01:18:30.439 It'd be harder on your peers and it would be 1684 01:18:30.520 --> 01:18:31.800 on the higher ups. Correct. 1685 01:18:32.199 --> 01:18:34.680 Yeah, And I don't think the employer gets penalized to 1686 01:18:34.720 --> 01:18:37.479 the extent they do for unemployment claims. 1687 01:18:37.079 --> 01:18:39.880 And they can't be fired though, right exactly? Is that 1688 01:18:40.039 --> 01:18:42.000 the main thing? So you get some money, but you're 1689 01:18:42.039 --> 01:18:42.880 paying into it. 1690 01:18:42.960 --> 01:18:46.039 You're paying a little bit into it. So the benefit 1691 01:18:46.079 --> 01:18:48.920 to the employee is you can take this paid time 1692 01:18:49.000 --> 01:18:51.520 off when the need arises, and you can't be fired 1693 01:18:51.560 --> 01:18:53.520 for it, and your employer is required to work. 1694 01:18:53.600 --> 01:18:55.920 God, that'd be so hard, just coming from a small 1695 01:18:55.960 --> 01:18:58.720 business aspect. I don't know if I like it or not. I, 1696 01:18:58.840 --> 01:19:01.079 honest to God, don't know if I like it. We've 1697 01:19:01.119 --> 01:19:04.119 got a friend, listen to this. We've got a friend 1698 01:19:04.119 --> 01:19:07.479 whose wife had a baby, really good friend. We know 1699 01:19:07.560 --> 01:19:10.239 the parents more than we know them. But he's a 1700 01:19:10.279 --> 01:19:12.640 little older than our kids, and we watched him grow 1701 01:19:12.720 --> 01:19:15.600 up and they got married. He works for a company 1702 01:19:15.600 --> 01:19:18.319 in Europe. He works for a big company, but he 1703 01:19:18.359 --> 01:19:22.840 lives in Colorado. He got six months when she had 1704 01:19:22.880 --> 01:19:26.279 a baby. I just sit there and I go back 1705 01:19:26.319 --> 01:19:29.680 to when Suzanne had our kids, you know, twenty three, 1706 01:19:29.800 --> 01:19:31.000 twenty five years ago. 1707 01:19:31.479 --> 01:19:34.680 We had nothing like that. I worked, she was home 1708 01:19:34.720 --> 01:19:36.920 with the kid, and that's just. 1709 01:19:36.960 --> 01:19:37.560 How it was. 1710 01:19:37.840 --> 01:19:39.560 I mean, I don't know how else to put it. 1711 01:19:39.960 --> 01:19:43.319 I find it insane. His company once again, is based 1712 01:19:43.359 --> 01:19:46.239 somewhere in Europe or Germany, somewhere, I don't know exactly where. 1713 01:19:46.479 --> 01:19:50.960 So he got six months, she got three months. Think 1714 01:19:51.000 --> 01:19:55.439 about this. The woman that had the baby could take 1715 01:19:55.479 --> 01:19:59.760 three months off, he could take six months off. But 1716 01:19:59.800 --> 01:20:03.359 I I bet what he found is when he came 1717 01:20:03.399 --> 01:20:06.479 back a lot of his peers were bumped up in 1718 01:20:06.520 --> 01:20:07.840 the ranks while he was gone. 1719 01:20:08.439 --> 01:20:10.840 So that would be a reason not. 1720 01:20:10.880 --> 01:20:13.439 To do it. Yeah, well, that's generally the reason not 1721 01:20:13.520 --> 01:20:15.319 to take a lot of time off from work, because 1722 01:20:15.319 --> 01:20:17.119 you make valuable. 1723 01:20:16.720 --> 01:20:19.880 To just in general, and I don't know if I'm 1724 01:20:19.960 --> 01:20:22.520 like old school this way, I don't think so, But 1725 01:20:22.920 --> 01:20:29.560 just in general, should the man, the guy be able 1726 01:20:29.640 --> 01:20:33.479 to take off the same amount of time as the 1727 01:20:33.479 --> 01:20:34.600 mother of the child? 1728 01:20:34.960 --> 01:20:38.319 I mean that is that. I guess it's just normal. 1729 01:20:38.359 --> 01:20:38.560 Now. 1730 01:20:38.760 --> 01:20:41.359 People are going, ah, you're sexist or whatever, But I'm 1731 01:20:41.399 --> 01:20:44.319 going to me, that's kind of okay, dragon. 1732 01:20:44.439 --> 01:20:45.239 Is it weird to you? 1733 01:20:45.319 --> 01:20:47.000 If you don't mind me asking. 1734 01:20:47.479 --> 01:20:50.319 I would agree that the man should not get more 1735 01:20:50.359 --> 01:20:51.039 time than the woman. 1736 01:20:51.159 --> 01:20:54.680 Well, the more time is absolutely insane, and I tell 1737 01:20:54.720 --> 01:20:55.279 this kid that. 1738 01:20:55.560 --> 01:20:59.760 But if it's there for the taking, it's kind of not. 1739 01:21:00.000 --> 01:21:00.920 I didn't get away with it. 1740 01:21:01.359 --> 01:21:03.399 And Brian, I mean, you're here as a guest with 1741 01:21:03.479 --> 01:21:05.800 Compass insurance. I don't want to get you in trouble. Yeah, 1742 01:21:05.800 --> 01:21:07.800 I'm going to be very delicate about this. I mean, 1743 01:21:07.800 --> 01:21:08.640 but be delicate. 1744 01:21:08.680 --> 01:21:12.039 I do think it's it's becoming more the norm, especially 1745 01:21:12.079 --> 01:21:15.239 with a younger generation. Because I'm with you, whenever I 1746 01:21:15.279 --> 01:21:17.640 had kids, it wasn't an option number when I had 1747 01:21:17.640 --> 01:21:20.880 my own business number two. But I and I think 1748 01:21:20.880 --> 01:21:23.800 there's probably a healthy medium there. I took like two 1749 01:21:23.920 --> 01:21:26.279 days off work and then was back and and you know, 1750 01:21:26.319 --> 01:21:28.319 I probably could have been around a little bit more 1751 01:21:28.399 --> 01:21:31.680 than that. Yeah, but I do think the younger generation, 1752 01:21:32.119 --> 01:21:36.039 I'm seeing both the title people are taking off the 1753 01:21:36.079 --> 01:21:36.920 three months. 1754 01:21:36.680 --> 01:21:38.199 You had made mentioned there, Mark that, Yeah, I have 1755 01:21:38.239 --> 01:21:40.880 a new grandson here and he's about a month and 1756 01:21:40.920 --> 01:21:43.600 a half or so old. The daughter in law is 1757 01:21:43.640 --> 01:21:45.159 a stay at home mom, so she didn't have to 1758 01:21:45.199 --> 01:21:46.359 worry about taking anything off. 1759 01:21:46.399 --> 01:21:49.319 But my son, yeah, he took a month off. 1760 01:21:49.359 --> 01:21:52.119 He took to family leave the whole month, but he 1761 01:21:52.159 --> 01:21:53.319 could have done three months. 1762 01:21:53.840 --> 01:21:55.399 I'm not sure as to how much he could have done, 1763 01:21:55.439 --> 01:21:57.399 but yeah, he was like, eh, I'm going to take 1764 01:21:57.399 --> 01:22:02.079 the whole month. Way twenty twenty five years ago, when 1765 01:22:02.079 --> 01:22:05.239 my kid came around, I took a half a day 1766 01:22:05.319 --> 01:22:06.800 and I was like, all right, I got it back 1767 01:22:06.840 --> 01:22:08.119 to work and put in eighty hours. 1768 01:22:08.279 --> 01:22:10.399 That's the same time I had. We had Miles and 1769 01:22:10.439 --> 01:22:13.119 it's you know what. We went to the hospital and 1770 01:22:13.520 --> 01:22:14.399 once we left the. 1771 01:22:14.359 --> 01:22:16.239 Hospital, I was back to work. Dad day. 1772 01:22:16.279 --> 01:22:19.279 Suzanne was with home with the kids. I mean, but 1773 01:22:19.399 --> 01:22:22.079 now like it's I don't know, Suzanne. 1774 01:22:21.960 --> 01:22:24.720 Actually preferred that, I think is what I've heard. Oh 1775 01:22:24.760 --> 01:22:27.800 shut up, Oh damn. 1776 01:22:29.279 --> 01:22:29.680 That one. 1777 01:22:30.000 --> 01:22:34.760 Stunned by the way, just so everybody knows, I actually 1778 01:22:34.880 --> 01:22:40.920 went to work early. I had six weeks off after 1779 01:22:40.960 --> 01:22:45.000 I had Hayley, and I went to work. 1780 01:22:45.279 --> 01:22:49.279 Were they paid yes, how just because the company worked 1781 01:22:49.319 --> 01:22:49.840 for a paid you. 1782 01:22:50.439 --> 01:22:53.840 Yes? Yeah, there was no family leave or anything nope. Yeah. 1783 01:22:53.880 --> 01:22:58.079 And so but I went to work two weeks earlier 1784 01:22:58.119 --> 01:23:00.239 because she was such a boring baby. 1785 01:23:00.600 --> 01:23:01.680 Ah. 1786 01:23:01.920 --> 01:23:04.640 She basically just slept all the time and it was 1787 01:23:04.720 --> 01:23:06.960 really boring, and I was like, I need to get 1788 01:23:06.960 --> 01:23:07.600 back to work. 1789 01:23:07.960 --> 01:23:10.279 I just said, Okay, how about how about if you 1790 01:23:10.359 --> 01:23:13.920 had the kid now, Kelly, Well, hold one, you had 1791 01:23:13.920 --> 01:23:18.119 a baby now, and Adam could take six months off 1792 01:23:18.640 --> 01:23:20.079 and you could only take three. 1793 01:23:20.359 --> 01:23:25.079 Okay, I could not tolerate six months of Adam being humpy. 1794 01:23:26.600 --> 01:23:30.039 It's it's insane act. Not absolutely not. 1795 01:23:30.239 --> 01:23:33.399 No, I would make him go back after probably a 1796 01:23:33.399 --> 01:23:36.279 couple weeks, which is what happened. He took a couple 1797 01:23:36.399 --> 01:23:39.079 weeks off after Shover was born, a couple weeks off 1798 01:23:39.119 --> 01:23:42.319 after Haley was born, and then he was back to 1799 01:23:42.399 --> 01:23:44.680 work and back to the grind. And like I said, 1800 01:23:44.760 --> 01:23:50.000 I took you know, I had six weeks, but I 1801 01:23:50.039 --> 01:23:51.279 didn't take the whole time. 1802 01:23:51.560 --> 01:23:55.039 So Scott, what do you think, I don't know, you're older. 1803 01:23:55.880 --> 01:24:00.479 Yeah, I think, like Brian, it's becoming more popular. 1804 01:24:00.600 --> 01:24:03.640 That doesn't mean it's right, No, But. 1805 01:24:04.039 --> 01:24:08.960 I liked what Kelly said this her employer paid for it. 1806 01:24:08.279 --> 01:24:10.319 It wasn't isn't some of that tax funded? 1807 01:24:10.399 --> 01:24:10.560 Or no? 1808 01:24:11.039 --> 01:24:15.079 Is a is the family leave funded by our money 1809 01:24:15.079 --> 01:24:15.399 at all? 1810 01:24:15.520 --> 01:24:17.479 Or is it only funded by the employee? 1811 01:24:17.840 --> 01:24:24.640 When yeah, yeah, I already paid into it so I 1812 01:24:24.680 --> 01:24:25.399 could have it. 1813 01:24:25.960 --> 01:24:27.119 Yeah, I got you. Yeah. 1814 01:24:27.159 --> 01:24:29.119 And plus that's a great perk if you work for 1815 01:24:29.159 --> 01:24:30.840 a big company. I mean, that's a hell of a 1816 01:24:30.920 --> 01:24:33.079 nice perk if they give that to you when you 1817 01:24:33.079 --> 01:24:36.159 have a baby six weeks off. But it's just different 1818 01:24:36.159 --> 01:24:38.439 to me. And when you own your own business. I mean, Brian, 1819 01:24:38.560 --> 01:24:41.600 you owned Compass. I mean, when you have someone leave 1820 01:24:42.640 --> 01:24:45.399 and they're going to be gone for eight weeks. 1821 01:24:45.880 --> 01:24:46.880 I want you to be honest. 1822 01:24:47.079 --> 01:24:49.119 Someone comes to you and says, Brian, as you know, 1823 01:24:49.239 --> 01:24:52.439 my wife just had a baby, and or nowadays, hey 1824 01:24:52.520 --> 01:24:55.039 my my husband just had a baby. Whatever it happens 1825 01:24:55.039 --> 01:24:59.640 to be so, and then basically you say, oh, that's great, congratulations. 1826 01:24:59.680 --> 01:25:03.000 You know, we sent her balloons and stuff and blah 1827 01:25:03.079 --> 01:25:05.319 blah blah. And then they learn, by the way, I'm 1828 01:25:05.359 --> 01:25:08.359 taking three months off and they're a key employee. 1829 01:25:08.520 --> 01:25:11.239 Yeah, that's got a bug the hell out of you. Well, 1830 01:25:11.359 --> 01:25:13.199 it's just reality. It's what you do. 1831 01:25:13.319 --> 01:25:16.560 You have to what it is now, and so it's 1832 01:25:16.600 --> 01:25:19.359 happened to us. Yeah, and you know they have that 1833 01:25:19.560 --> 01:25:21.920 right and they're paying in so you know, I don't 1834 01:25:21.920 --> 01:25:22.439 say anything. 1835 01:25:22.840 --> 01:25:25.680 I remember hearing stories from my grandmother that her mother 1836 01:25:26.359 --> 01:25:29.720 had her brother on the kitchen floor in their house 1837 01:25:30.560 --> 01:25:33.520 and made dinner that night. Okay, listen to what I 1838 01:25:33.680 --> 01:25:37.039 just said. Now, people might say, no, way, that didn't happen. 1839 01:25:37.119 --> 01:25:39.840 I don't know why my grandmother would have shared that 1840 01:25:39.920 --> 01:25:43.560 with me. Think about that. I mean, we're going back 1841 01:25:43.600 --> 01:25:45.920 to the late eighteen hundreds. I mean, I don't think 1842 01:25:45.960 --> 01:25:48.439 people went to the hospital to have babies. I think 1843 01:25:48.479 --> 01:25:50.880 a lot of breech babies and a lot of women died, 1844 01:25:50.960 --> 01:25:53.680 probably and a lot of babies died, but because it 1845 01:25:53.720 --> 01:25:57.079 was different back then. But think about that. Have a baby, 1846 01:25:58.800 --> 01:26:03.119 then cook dinner. Now I'm not saying I'm not saying 1847 01:26:03.840 --> 01:26:06.560 I condone that kind of behavior by any means. But 1848 01:26:07.079 --> 01:26:10.359 think of how far we've come in such a small 1849 01:26:10.399 --> 01:26:14.840 amount of time. I noticed how there's no comments on that. Brian, 1850 01:26:14.920 --> 01:26:20.000 what do you think about that? About what about having 1851 01:26:20.039 --> 01:26:23.039 a baby than cooking dinner that same night? 1852 01:26:25.479 --> 01:26:27.439 Dimitri I squirrels. 1853 01:26:28.039 --> 01:26:30.680 It's almost like the deputy Dock has come out in 1854 01:26:30.720 --> 01:26:33.800 me all of a sudden, for the first time in 1855 01:26:33.840 --> 01:26:38.800 my life, I feel like deputy doc, you know, delivering 1856 01:26:38.800 --> 01:26:41.159 a thousand babies, I would be curious. You know what 1857 01:26:41.199 --> 01:26:42.880 that is the biggest part. I bet a lot of 1858 01:26:43.039 --> 01:26:45.119 I bet a lot of babies died back then. You know, 1859 01:26:45.199 --> 01:26:48.680 people talk about how the population has exploded. 1860 01:26:48.800 --> 01:26:52.840 Just think hospitals and really just just birth well, yeah, 1861 01:26:52.840 --> 01:26:54.720 a huge number of women died in childbirth. 1862 01:26:54.840 --> 01:26:55.439 Oh big time. 1863 01:26:55.479 --> 01:26:57.920 A breach could kill you easily, right, well, even non breach, 1864 01:26:57.960 --> 01:26:59.920 I mean, women would just bleed to death, just bleed 1865 01:27:00.079 --> 01:27:01.199 out on the kitchen floor. 1866 01:27:01.399 --> 01:27:04.960 Yeah, that's crazy, all right. Hey George, what's going on 1867 01:27:05.000 --> 01:27:05.359 with you? 1868 01:27:07.439 --> 01:27:07.760 Also? 1869 01:27:09.359 --> 01:27:12.119 Hey George? Yeah, I can hear me, Yeah, I can 1870 01:27:12.159 --> 01:27:12.439 hear you. 1871 01:27:12.479 --> 01:27:15.199 Go ahead, man, I got to take a break real quick, 1872 01:27:15.239 --> 01:27:16.479 but go ahead. What's your question? 1873 01:27:17.760 --> 01:27:20.920 Basically, the people you used to advertise for, like twelve 1874 01:27:21.000 --> 01:27:23.079 ninet nine or thirty nine nine water eaters, I can't 1875 01:27:23.079 --> 01:27:24.239 find them on your referral list. 1876 01:27:24.319 --> 01:27:26.199 Oh, I'm going to make you hold for that. 1877 01:27:26.359 --> 01:27:28.279 And I hate to do it, but I promised George 1878 01:27:28.319 --> 01:27:30.319 right after it, and I'm doing it for a reason 1879 01:27:30.840 --> 01:27:34.000 because you said something I want to make sure you understand. 1880 01:27:34.399 --> 01:27:40.479 Three zero three Martino. 1881 01:27:41.960 --> 01:27:45.199 Go with a sure thing Denver's best roofer Excel roofing 1882 01:27:45.319 --> 01:27:47.960 dot com. You don't pay a cent until you're content. 1883 01:27:51.359 --> 01:27:54.520 Time for an insurance check up free, no obligation. In comparison, 1884 01:27:54.640 --> 01:27:58.199 call Compass insurance paying too much your coverage at dozens 1885 01:27:58.239 --> 01:28:00.960 of insurance companies find out now three O three seven 1886 01:28:00.960 --> 01:28:03.319 to seven to one help. You'll think you're his only 1887 01:28:03.439 --> 01:28:05.880 customer when you choose Frank durand the real Estate Man 1888 01:28:05.920 --> 01:28:09.399 dot com to list your home with Remax Alliance three 1889 01:28:09.399 --> 01:28:12.199 oh three nine two zero sixteen twenty two. 1890 01:28:15.399 --> 01:28:18.439 All right three o three seven one three eight two 1891 01:28:18.560 --> 01:28:21.920 five five. Hey Frank Durand the real Estate Man. If 1892 01:28:21.920 --> 01:28:24.239 you listen to the show, he's the nicest guy out there. 1893 01:28:24.720 --> 01:28:27.159 And if you need to sell your house and want 1894 01:28:27.159 --> 01:28:30.079 the most money and sell it the quickest, you call Frank. 1895 01:28:30.319 --> 01:28:32.279 If you're looking at buying a house and you want 1896 01:28:32.319 --> 01:28:35.039 to negotiate and get the best deal on it, you 1897 01:28:35.119 --> 01:28:37.960 call Frank. I have used him multiple times. He's a 1898 01:28:38.000 --> 01:28:41.000 great man, nicest guy you're ever gonna meet. He'll also 1899 01:28:41.159 --> 01:28:44.920 do a free evaluation for you just for calling them. 1900 01:28:44.960 --> 01:28:46.880 Not only will you get to meet him, but you're 1901 01:28:46.880 --> 01:28:49.359 gonna find out how much that house is worth right 1902 01:28:49.399 --> 01:28:51.640 now if you haven't had it done. And by the way, 1903 01:28:51.680 --> 01:28:54.399 there's no arm twisting here. He just hopes he gets 1904 01:28:54.439 --> 01:28:56.520 to meet you. And if you decide to sell in 1905 01:28:56.600 --> 01:28:59.159 five years, you're gonna call him. You're gonna love it. 1906 01:28:59.199 --> 01:29:02.800 A free value including the comps and everything. Check him 1907 01:29:02.840 --> 01:29:05.600 out at Frank durand homes dot com. In fact, usually 1908 01:29:05.600 --> 01:29:09.319 when you call up Frank answers Frank Durant Holmes dot com. Now, 1909 01:29:09.840 --> 01:29:12.119 I promised I was going back to you, George. You 1910 01:29:12.279 --> 01:29:16.760 said a company we used to advertise for that sold 1911 01:29:16.840 --> 01:29:18.720 water heaters for thirteen ninety nine. 1912 01:29:19.000 --> 01:29:20.119 It's euro Plumbing. 1913 01:29:20.439 --> 01:29:22.520 And the only thing I wanted to correct you on 1914 01:29:23.039 --> 01:29:25.680 is we still advertise for him. We don't do a 1915 01:29:25.720 --> 01:29:28.119 ton of radio form right now, but they're still on 1916 01:29:28.159 --> 01:29:30.960 our referral list. If you went to our referral list, 1917 01:29:31.000 --> 01:29:32.199 you would have found him right there. 1918 01:29:33.640 --> 01:29:35.800 I'm not really having a hard time with you referral list. 1919 01:29:36.039 --> 01:29:39.800 Just like putting in like water heater, for instance, on 1920 01:29:40.079 --> 01:29:41.119 a skirt or anything like that. 1921 01:29:41.239 --> 01:29:43.079 I'm gonna try it right now. Hold on, I just 1922 01:29:43.079 --> 01:29:44.640 want to see if they even come up. Hold on, 1923 01:29:44.680 --> 01:29:47.760 hold on. We just had some other stuff. I'll tell you. You 1924 01:29:47.640 --> 01:29:50.920 talk about a work in progress. Every time I fix 1925 01:29:51.000 --> 01:29:54.880 something or have our people on the background fix something 1926 01:29:54.960 --> 01:29:58.000 on it, it appears as something breaks, which is just 1927 01:29:58.119 --> 01:30:01.520 mind blowing to me. One aspect of the search, and 1928 01:30:01.560 --> 01:30:04.399 all of a sudden, I have another aspect with it. 1929 01:30:04.800 --> 01:30:06.640 And what did you search water heater? 1930 01:30:07.680 --> 01:30:07.960 Well? 1931 01:30:08.399 --> 01:30:10.159 I couldn't even do it on a computer because it 1932 01:30:10.279 --> 01:30:13.319 keeps on taking me to other websites. But when I 1933 01:30:13.359 --> 01:30:15.199 do it on the phone, well you. 1934 01:30:15.119 --> 01:30:16.159 Never don't Google it. 1935 01:30:16.199 --> 01:30:19.439 You just go to waterheater or waterheater dot com. You 1936 01:30:19.600 --> 01:30:23.119 just go to referral list dot com. The very first 1937 01:30:23.119 --> 01:30:26.279 one that came up was euro Plumbing, then water pros, 1938 01:30:26.439 --> 01:30:30.600 Apple Air, Father and Daughter Plumbing, Prime Plumbing, Time Plumbing, 1939 01:30:31.399 --> 01:30:36.079 Aspen Meadows Plumbing, Done Plumbing, Plumbline fix it. 1940 01:30:36.399 --> 01:30:39.319 I'll try my phone because something's going on my computer. 1941 01:30:39.520 --> 01:30:42.159 It takes it websites not yours. When I say Tom 1942 01:30:42.359 --> 01:30:43.720 like Commartino troubleshooter. 1943 01:30:43.800 --> 01:30:46.760 Yeah, just go literally, just go to referral list dot com. 1944 01:30:46.800 --> 01:30:48.159 One word. You can spell. 1945 01:30:47.880 --> 01:30:51.199 It, however, I mean, just spell it correctly. 1946 01:30:51.239 --> 01:30:52.920 But here's the deal. I'll give you the phone number 1947 01:30:52.960 --> 01:30:53.920 right now. Bet, I have it up. 1948 01:30:54.560 --> 01:30:58.960 Euro Plumbing is at I think it was a seven 1949 01:30:59.000 --> 01:31:02.960 to zero. Oh, I'm on page two. Hold on, I 1950 01:31:03.000 --> 01:31:05.840 feel like Tom all of a sudden, I'm trying to 1951 01:31:06.479 --> 01:31:08.760 I'm trying to do something on the radio I shouldn't 1952 01:31:08.760 --> 01:31:09.640 be doing on the radio. 1953 01:31:10.039 --> 01:31:10.800 Okay, here it is. 1954 01:31:10.920 --> 01:31:15.560 It is three h three six six eight sixty eight 1955 01:31:15.680 --> 01:31:19.520 forty four euro plumbing. Yeah, I think it's thirteen ninety nine. 1956 01:31:19.520 --> 01:31:21.680 It might have went up to fourteen ninety nine. They 1957 01:31:21.720 --> 01:31:24.920 put two in my house last year. They also sell 1958 01:31:25.000 --> 01:31:27.319 high efficiency stuff, fast recovery. 1959 01:31:28.159 --> 01:31:29.119 How big is your house? 1960 01:31:30.039 --> 01:31:33.359 Well, it's actually for the future. I've got five rentals. 1961 01:31:33.399 --> 01:31:34.279 I'm going out of town. 1962 01:31:34.479 --> 01:31:36.439 Oh you just want cheapis at? 1963 01:31:37.560 --> 01:31:37.760 Yeah? 1964 01:31:37.880 --> 01:31:41.279 I mean even preemptively change some of them out before 1965 01:31:41.319 --> 01:31:43.119 there's a problem. But at least I'll have the number 1966 01:31:43.119 --> 01:31:43.840 one I'm out of town. 1967 01:31:44.079 --> 01:31:44.319 Yeah. 1968 01:31:44.359 --> 01:31:46.199 You know what I do is I tell them, Hey, listen, 1969 01:31:46.199 --> 01:31:48.159 I'm looking to get in three at one time. Can 1970 01:31:48.159 --> 01:31:50.159 you do any better? I mean, see if they'll bargain 1971 01:31:50.199 --> 01:31:53.279 with you. They're already so cheap. I don't know if. 1972 01:31:53.159 --> 01:31:54.159 You can do anything. 1973 01:31:54.239 --> 01:31:57.720 But I mean, really they do sell everything, but for rentals. 1974 01:31:57.760 --> 01:32:00.960 I would just get a basic efficiency, get a forty 1975 01:32:01.000 --> 01:32:03.279 gallon or a fifty gallon and call it done. 1976 01:32:03.279 --> 01:32:03.520 Man. 1977 01:32:04.039 --> 01:32:07.079 Yeah, yeah, all right, sounds good. Hey, appreciate it. 1978 01:32:07.159 --> 01:32:10.079 I appreciate you holding so long to get a phone number. George, 1979 01:32:10.119 --> 01:32:12.800 I really do three oh three seven one three eight 1980 01:32:12.840 --> 01:32:16.560 two five five. Brian Compass Insurance, do we have any 1981 01:32:16.600 --> 01:32:20.000 examples of money you guys have saved from listeners. It 1982 01:32:20.119 --> 01:32:23.479 called in to the insurance help center and three oh 1983 01:32:23.600 --> 01:32:26.239 three nine nine six nine thousand. 1984 01:32:25.960 --> 01:32:27.840 Yeah, I have one here that I pulled out just 1985 01:32:27.880 --> 01:32:30.920 because it was one of the things we talked about earlier. 1986 01:32:30.960 --> 01:32:33.920 This person called there with Liberty Mutual and had been 1987 01:32:33.920 --> 01:32:34.319 with them. 1988 01:32:34.239 --> 01:32:37.079 For years at a big company. Yeah, Liberty Mutual is huge, 1989 01:32:37.119 --> 01:32:37.399 got it? 1990 01:32:37.680 --> 01:32:41.039 Uh? And it ended up where we moved them to 1991 01:32:41.079 --> 01:32:44.960 auto owners. But they had home and auto. They had 1992 01:32:45.159 --> 01:32:48.279 minimum liability. They only had what is minimy mind, so 1993 01:32:48.399 --> 01:32:50.800 their liability limit on the auto insurance was twenty five 1994 01:32:50.840 --> 01:32:54.960 thousand dollars per person. Yeah, fifty thousand per accident, fifteen 1995 01:32:55.039 --> 01:32:58.159 thousand for property damage. That means so whatever they hit 1996 01:32:58.680 --> 01:33:01.119 another car that they hit the most, their insurance would 1997 01:33:01.159 --> 01:33:02.479 pay us fifteen thousand dollars. 1998 01:33:02.520 --> 01:33:05.680 My god, you couldn't buy my door for fifteen thousand. Well, yeah, 1999 01:33:05.720 --> 01:33:08.520 there's no cars out there that were There's nothing you 2000 01:33:08.560 --> 01:33:11.760 can get fixed in a body shop for fifteen thousand. Right, 2001 01:33:11.960 --> 01:33:14.359 So what happens in a case like that, I'll tell 2002 01:33:14.359 --> 01:33:17.359 you what happens. If there's a lot of injuries and 2003 01:33:17.399 --> 01:33:20.000 a lot of damage, if they find out you got 2004 01:33:20.000 --> 01:33:22.720 a job and got some equity in your house. 2005 01:33:22.840 --> 01:33:25.399 You're getting sued. You're getting sued. You've got to come 2006 01:33:25.399 --> 01:33:27.720 out of pocket. Your insurance is even going to defend you. 2007 01:33:27.760 --> 01:33:30.479 Because here's what happens. The insurance company looks at the 2008 01:33:30.520 --> 01:33:33.800 damages and says, we'll pay out twenty five thousand max 2009 01:33:33.840 --> 01:33:35.680 payout or fifteen thousand for the product. 2010 01:33:35.680 --> 01:33:38.119 They don't even have to defend you in the lawsuit. No, 2011 01:33:38.279 --> 01:33:40.279 what if they offer full amount. 2012 01:33:39.960 --> 01:33:40.399 That's right. 2013 01:33:40.520 --> 01:33:42.840 And so they pay the fifteen thousand in this case, 2014 01:33:42.880 --> 01:33:46.640 and immediately the person can go and sue the individual out. 2015 01:33:46.840 --> 01:33:49.359 Just think about that, to Matre, think about that shopper 2016 01:33:49.840 --> 01:33:53.239 you run into somebody. I can think of a handful 2017 01:33:53.279 --> 01:33:57.039 of cars, like a nineteen seventy nine Granada. You might 2018 01:33:57.119 --> 01:34:00.560 not do fifteen thousand dollars worth of damage, but if 2019 01:34:00.560 --> 01:34:03.960 you run into anything that's made in the last ten years, 2020 01:34:04.439 --> 01:34:06.920 it's going to be over fifteen grand. I'd sue them 2021 01:34:07.039 --> 01:34:09.560 if I ran in If you ran into May and 2022 01:34:09.640 --> 01:34:12.000 did fifty grand worth of damage to my car or 2023 01:34:12.000 --> 01:34:15.279 totaled it and all you had was fifteen thousand bucks, 2024 01:34:15.439 --> 01:34:17.319 and especially if I had. 2025 01:34:17.960 --> 01:34:19.720 Injuries, I'd call up John fuller. 2026 01:34:19.720 --> 01:34:21.560 And I'll tell you right now, if John knew you 2027 01:34:21.680 --> 01:34:24.159 had assets, he wouldn't take twenty five grand. 2028 01:34:24.199 --> 01:34:25.760 He'd come after you. Oh of course. 2029 01:34:25.880 --> 01:34:27.880 And by the way, there are a lot of insurance 2030 01:34:27.920 --> 01:34:30.520 agents out there who don't explain that to people just 2031 01:34:30.520 --> 01:34:32.039 because they want to be the cheapest option. 2032 01:34:32.239 --> 01:34:33.359 They want to be genet. 2033 01:34:33.600 --> 01:34:37.479 Sounds like the definition of malpractice within that industry. 2034 01:34:37.600 --> 01:34:39.800 Yeah, and this one in particular, I think had been 2035 01:34:39.880 --> 01:34:43.359 with livery mutual for and that's more of a direct type. 2036 01:34:43.560 --> 01:34:45.760 It was twenty years ago. Maybe that was enough. 2037 01:34:45.840 --> 01:34:47.920 It was maybe enough, but you don't have an agent 2038 01:34:48.119 --> 01:34:50.239 with the livery mutual in this case. This was directly 2039 01:34:50.279 --> 01:34:53.680 with the carrier. So you're kind of responsible to be 2040 01:34:53.760 --> 01:34:55.119 checking up on your own insurance. 2041 01:34:55.119 --> 01:34:57.079 What kind of homeowners did they have? Did they have 2042 01:34:57.119 --> 01:35:00.960 ACV through? No, they did have a p sinach deductible, 2043 01:35:01.359 --> 01:35:02.479 but that was the other. 2044 01:35:02.319 --> 01:35:02.680 Part of this. 2045 01:35:02.840 --> 01:35:06.119 How much was a percentage? Yeah it was one percent? Okay, 2046 01:35:06.159 --> 01:35:09.079 so what's the house worth? Roughly it was six hundred thousand, 2047 01:35:09.199 --> 01:35:12.000 So they have a six thousand dollars deductible, right, which 2048 01:35:12.119 --> 01:35:15.880 is not out That's normal, But what ended up happening 2049 01:35:15.880 --> 01:35:17.600 with auto owners normal nowadays. 2050 01:35:17.600 --> 01:35:20.479 Nowadays it's normal auto owners. They moved them and got 2051 01:35:20.479 --> 01:35:22.920 an umbrella, so they had now have one point five 2052 01:35:22.960 --> 01:35:23.960 million of life. 2053 01:35:23.960 --> 01:35:24.640 I mean they. 2054 01:35:24.520 --> 01:35:26.840 Also went up to two fifty five hundred, That's what 2055 01:35:26.840 --> 01:35:29.840 I mean. So they went from twenty five fifty yep 2056 01:35:30.319 --> 01:35:35.359 to two hundred and fifty five hundred, right, and then 2057 01:35:35.399 --> 01:35:37.600 they have an umbrella that picks up from there for 2058 01:35:37.680 --> 01:35:38.199 how much? 2059 01:35:38.520 --> 01:35:39.439 For another million? 2060 01:35:39.600 --> 01:35:43.119 So now they have instead of twenty five thousand dollars 2061 01:35:43.159 --> 01:35:47.239 in coverage, yeah, they have one point five million exactly. 2062 01:35:47.680 --> 01:35:51.520 And did you save the money? A couple thousand is 2063 01:35:51.520 --> 01:35:52.000 what this age? 2064 01:35:52.159 --> 01:35:52.520 God? 2065 01:35:52.680 --> 01:35:56.159 So you also saved so they have the coverage. I 2066 01:35:56.199 --> 01:35:59.039 can't even factor that percentage, I mean, what the hell 2067 01:35:59.119 --> 01:36:02.520 is that? Five thousand to one point five million is 2068 01:36:02.640 --> 01:36:06.399 a butt load percentage A lot more, a lot more. 2069 01:36:06.720 --> 01:36:10.239 So four times ten is forty twenty sixty times to 2070 01:36:10.239 --> 01:36:12.720 the coverage, right, sixty times to coverage. 2071 01:36:12.720 --> 01:36:14.439 And you saved them two grand, that's right? 2072 01:36:14.800 --> 01:36:17.359 And how about the what kind of deductile? Now one 2073 01:36:17.399 --> 01:36:20.760 percent that's the minimum with it's still six thousand deductive? 2074 01:36:20.800 --> 01:36:21.920 What's the house in line? 2075 01:36:21.920 --> 01:36:25.279 As far as evaluation, Well, they had twenty five percent 2076 01:36:25.319 --> 01:36:28.600 extended replacement costs, meaning that if the house burned down, 2077 01:36:28.600 --> 01:36:33.000 they'll go over the dwelling limits seven right now, it's 2078 01:36:33.079 --> 01:36:34.079 fifty percent more. 2079 01:36:34.199 --> 01:36:37.960 So that's even more coverage coverage, the more liability, more 2080 01:36:37.960 --> 01:36:41.520 home coverage yep, better coverage yeah, and less month and 2081 01:36:41.560 --> 01:36:44.319 saving them a couple thousand. See, people don't believe Listen, 2082 01:36:44.359 --> 01:36:46.119 we have Brian in for a reason. This is a 2083 01:36:46.159 --> 01:36:49.880 consumer show. I swear to god. Folks, if you've heard 2084 01:36:49.920 --> 01:36:52.880 it before, just call them up. In fact, what other 2085 01:36:52.960 --> 01:36:54.920 states our podcast is heard everywhere? 2086 01:36:54.960 --> 01:36:55.239 Brian? 2087 01:36:55.479 --> 01:36:58.920 I know you do because you do mile stuff in Nebraska. Yeah, 2088 01:36:59.199 --> 01:37:01.800 and you do why because you do addy stuff yep? 2089 01:37:02.159 --> 01:37:03.079 So where else? 2090 01:37:03.279 --> 01:37:03.520 You know? 2091 01:37:04.039 --> 01:37:10.319 Obviously what's primarily Colorado status? Arizona? Why is that because 2092 01:37:10.319 --> 01:37:12.640 people a lot of people that have second homes there. 2093 01:37:12.680 --> 01:37:15.880 So it's just a natural it just works that way. Yeah, 2094 01:37:15.920 --> 01:37:17.880 we get a ton of business for Arizona. 2095 01:37:17.920 --> 01:37:21.800 You've got Arizona, Wyoming, Nebraska, of course, Colorado, Utah. 2096 01:37:22.520 --> 01:37:25.479 Then we're licensed in Texas. How about New Mexico? We're 2097 01:37:25.560 --> 01:37:26.640 licensed in New Mexico. 2098 01:37:27.359 --> 01:37:29.520 Listen to anybody out there listening, and they're going to 2099 01:37:29.560 --> 01:37:31.399 be the first ones to tell you if they can't 2100 01:37:31.399 --> 01:37:34.039 save you money. I swear to God. I swear to God. 2101 01:37:34.039 --> 01:37:36.840 In fact, last year, Brian knows this. I shop Farmers 2102 01:37:37.079 --> 01:37:40.439 in State farm because mine came up so much higher, 2103 01:37:40.920 --> 01:37:42.680 simply because we live in the woods. 2104 01:37:42.680 --> 01:37:43.520 It's the way it is. 2105 01:37:43.840 --> 01:37:46.079 And I tried the other ones, and I simply couldn't 2106 01:37:46.119 --> 01:37:46.840 get better coverage. 2107 01:37:46.880 --> 01:37:47.960 I simply couldn't get it. 2108 01:37:48.319 --> 01:37:50.600 You still had the best coverage no matter how I 2109 01:37:50.680 --> 01:37:53.800 look at it. Three oh three nine nine six nine thousand. 2110 01:37:53.840 --> 01:37:55.520 We got some lines open, By the way, I'd love 2111 01:37:55.520 --> 01:37:58.840 to hear from you. Three zero three Martino. 2112 01:38:03.760 --> 01:38:07.000 Go with a sure thing Denver's best roofer Excel Roofing 2113 01:38:07.119 --> 01:38:07.680 dot com. 2114 01:38:07.720 --> 01:38:13.199 You don't pay a cent until you're contenth. 2115 01:38:13.119 --> 01:38:16.680 Time for an insurance checkup, free no obligation comparison call 2116 01:38:16.800 --> 01:38:20.079 Compass Insurance paying too much your coverage at dozens of 2117 01:38:20.119 --> 01:38:22.800 insurance companies find out now three oh three seven to 2118 01:38:22.840 --> 01:38:25.640 seven to one help. You'll think you're his only customer 2119 01:38:25.680 --> 01:38:27.960 when you choose Frank durand the real estate Man dot 2120 01:38:27.960 --> 01:38:31.319 com to list your home with Remax Alliance three oh 2121 01:38:31.319 --> 01:38:36.359 three nine two zero sixteen twenty two all right. 2122 01:38:36.359 --> 01:38:40.600 Three oh three seven one three eight two five five. 2123 01:38:40.720 --> 01:38:43.079 You've been ripped off for taking advantage of We want 2124 01:38:43.079 --> 01:38:45.560 to hear from you. We got lines open now now, Dmitri, 2125 01:38:45.720 --> 01:38:50.199 you said you had some questions for Brian. We already 2126 01:38:50.239 --> 01:38:53.119 had one that he saved two thousand a month and 2127 01:38:53.199 --> 01:38:54.000 got him such. 2128 01:38:53.840 --> 01:38:55.880 Higher coverage year two thousand a year. 2129 01:38:56.079 --> 01:38:59.159 Just two thousand years, two thousand month would be a 2130 01:38:59.199 --> 01:38:59.800 really good Well. 2131 01:39:00.039 --> 01:39:03.000 One was thirty thousand, Yeah, yeah, they were thirty thousand. 2132 01:39:03.039 --> 01:39:05.560 That's over two thousand a month. Yeah, hey, and really 2133 01:39:05.640 --> 01:39:07.600 quick before you go to those questions. We were kind 2134 01:39:07.600 --> 01:39:11.039 of talking during break. Brian said, I'm surprised people didn't 2135 01:39:11.079 --> 01:39:15.520 call up about the Family Leave Act, and I think 2136 01:39:15.560 --> 01:39:21.239 people are just complicit. Now, I actually don't understand something 2137 01:39:21.359 --> 01:39:24.880 Dragon was telling us. He remembers his story from last 2138 01:39:24.960 --> 01:39:28.079 year and how much gets taken out of the check 2139 01:39:28.199 --> 01:39:30.079 point nine percent total. 2140 01:39:30.159 --> 01:39:32.439 So it's point four to five from you, point four 2141 01:39:32.439 --> 01:39:34.039 to five from your employer. 2142 01:39:33.720 --> 01:39:36.119 And then that's what covers you if you're gone for 2143 01:39:36.319 --> 01:39:40.439 up to three months family leave for whatever reason. In fact, 2144 01:39:40.479 --> 01:39:42.760 I think you could have you could say you're having 2145 01:39:42.760 --> 01:39:44.920 a mental breakdown and be able to leave, right. 2146 01:39:45.199 --> 01:39:47.359 I mean, I don't think it's pretty much anything. 2147 01:39:47.439 --> 01:39:51.079 Yeah, if even if your spouse or kid gets sick, 2148 01:39:51.319 --> 01:39:52.680 you can take take the time off. 2149 01:39:52.920 --> 01:39:55.920 So and you get paid for three months. Your company 2150 01:39:55.920 --> 01:39:58.279 can't fire you for that amount of time. Now you 2151 01:39:58.279 --> 01:40:01.319 don't get paid everything. And someone looked up the maximum 2152 01:40:01.760 --> 01:40:04.000 was like eleven hundred a week. 2153 01:40:04.399 --> 01:40:07.279 Yeah, and it was you know, the lower waged people, 2154 01:40:07.359 --> 01:40:10.079 you can make up to ninety percent of your income, 2155 01:40:10.119 --> 01:40:11.640 but no more than that eleven hundred. 2156 01:40:11.720 --> 01:40:14.079 So the dragon said they went broke. 2157 01:40:14.319 --> 01:40:16.119 I'm pretty sure they went broke after a couple of 2158 01:40:16.159 --> 01:40:20.640 months last year in twenty twenty four. According to this 2159 01:40:20.760 --> 01:40:22.399 is family dot Colorado dot gov. 2160 01:40:22.520 --> 01:40:23.680 So where they hell the money goes? 2161 01:40:23.720 --> 01:40:27.880 They paid out almost seven hundred million dollars. 2162 01:40:27.560 --> 01:40:29.920 And they didn't collect close to that. I don't believe 2163 01:40:29.920 --> 01:40:30.920 they collected money. 2164 01:40:30.920 --> 01:40:33.880 So it is our tax money, go of course it 2165 01:40:33.920 --> 01:40:35.840 is mark where else is this state going to get money? 2166 01:40:35.920 --> 01:40:38.600 Okay, they passed the bill for for the kids to 2167 01:40:38.640 --> 01:40:41.680 eat free food, and you know what if the kid's 2168 01:40:41.720 --> 01:40:44.840 parents Okay, de drives me insane. 2169 01:40:44.880 --> 01:40:45.199 People. 2170 01:40:45.520 --> 01:40:47.720 Now, when we voted on it, they did project that 2171 01:40:47.720 --> 01:40:50.479 they would collect somewhere around a billion dollars. 2172 01:40:50.560 --> 01:40:55.119 Yeah, but not in two months. So but here's the 2173 01:40:55.159 --> 01:40:57.760 one with the food that kills me. If a kid 2174 01:40:57.840 --> 01:41:00.720 can't afford food, well, my god, give them free lunch. 2175 01:41:01.640 --> 01:41:03.000 I have no problem with that. 2176 01:41:03.479 --> 01:41:08.640 But to buy free lunch for every kid is the 2177 01:41:08.760 --> 01:41:11.560 dumbest thing I ever heard. Why am I buying Bill 2178 01:41:11.640 --> 01:41:15.720 Gates kids free lunch? Why are you buying my kids 2179 01:41:16.119 --> 01:41:18.359 free lunch when they were in school? Well, actually they 2180 01:41:18.359 --> 01:41:20.680 didn't have it there, but it was another thing the 2181 01:41:20.720 --> 01:41:23.840 Democrats passed here, and of course the damn thing went broke, 2182 01:41:24.479 --> 01:41:27.079 and now the kids it should be getting free lunch 2183 01:41:27.439 --> 01:41:29.960 are probably not going to be getting free lunch because 2184 01:41:30.000 --> 01:41:31.359 you're just stupid here. 2185 01:41:32.479 --> 01:41:33.239 Think about that. 2186 01:41:33.720 --> 01:41:35.560 Why would a rich kid get free lunch? 2187 01:41:36.319 --> 01:41:38.479 Yeah? Well, there isn't really much to think about. I mean, 2188 01:41:38.560 --> 01:41:42.319 there is no logical connection between zero logical free lunch 2189 01:41:42.359 --> 01:41:46.439 for poor kids, which you understand and support, but free 2190 01:41:46.479 --> 01:41:49.319 lunch for everybody really doesn't seem to make much sense. 2191 01:41:49.399 --> 01:41:51.039 What is the justification? 2192 01:41:51.279 --> 01:41:54.640 The only justification I can come up with is do 2193 01:41:54.720 --> 01:41:55.199 I owe. 2194 01:41:55.079 --> 01:41:56.039 You a forty five? 2195 01:41:56.119 --> 01:42:00.279 Or no? No, I do owe you a forty five? Lord, 2196 01:42:00.319 --> 01:42:00.920 have mercy. 2197 01:42:01.319 --> 01:42:04.600 Listen, here's the only justification I can come up with. 2198 01:42:04.720 --> 01:42:08.199 One They don't want the kids that are getting the 2199 01:42:08.279 --> 01:42:11.880 free lunch to be made fun of or feel funny 2200 01:42:11.880 --> 01:42:12.960 about getting a free lunch. 2201 01:42:13.039 --> 01:42:15.600 Yeah, I totally understand that, Like it could be stigmatizing. 2202 01:42:15.640 --> 01:42:18.560 So just have everyone scam their students. That's what they do. 2203 01:42:18.720 --> 01:42:19.960 Everyone should get scammed. 2204 01:42:20.000 --> 01:42:22.600 That's what my kids did. You couldn't tell now. Back 2205 01:42:22.880 --> 01:42:25.399 back in the day when I went, the free lunch 2206 01:42:25.479 --> 01:42:28.119 kids had a punch card. Everybody knew who the free 2207 01:42:28.199 --> 01:42:30.800 lunch kids were because guess what, we didn't have computers 2208 01:42:30.880 --> 01:42:34.319 running the lunchline. We literally had the old lunch lady 2209 01:42:34.520 --> 01:42:37.439 that was mean as go get out, and the free 2210 01:42:37.520 --> 01:42:40.800 lunch people had punch cards. That's how our cafeteria. And 2211 01:42:40.880 --> 01:42:43.560 guess what the popular kids said at one table. Yeah, 2212 01:42:43.640 --> 01:42:45.560 it was all back in the day. I get it's 2213 01:42:45.600 --> 01:42:49.439 different now, but nowadays my kids, we'd have to load 2214 01:42:49.520 --> 01:42:52.600 up a lunch card with cash and everybody used the 2215 01:42:52.680 --> 01:42:56.199 same payment method. It's not like the free lunch kids. 2216 01:42:56.239 --> 01:42:59.560 You could tell everybody had the exact same card. So 2217 01:42:59.680 --> 01:43:06.239 I row that argument of a stigma, stigma stigmatizing. See 2218 01:43:06.279 --> 01:43:07.840 you said it like I was going to say it. 2219 01:43:07.840 --> 01:43:11.079 Brian Mark, You're forgetting stigmatizing. 2220 01:43:10.680 --> 01:43:13.760 Mark, You're also forgetting that. They also provide breakfast. 2221 01:43:14.520 --> 01:43:15.880 Yeah, I know for everybody. 2222 01:43:15.880 --> 01:43:19.600 Oh there's also after school dinner programs too, and if. 2223 01:43:19.520 --> 01:43:21.760 The kids need it, God bless them, they should have it. 2224 01:43:21.920 --> 01:43:24.840 No, No, I totally agree. But now the technology exists 2225 01:43:24.920 --> 01:43:27.640 to keep the poor kids from getting stigmatized with a 2226 01:43:27.720 --> 01:43:30.760 free lunch, they should employ that technology and provide the 2227 01:43:30.800 --> 01:43:33.079 free lunch to them and charge your kids one and 2228 01:43:33.079 --> 01:43:34.399 a half times the regular price. 2229 01:43:34.479 --> 01:43:37.319 Well wait a minute, just you just stopped here. I 2230 01:43:37.479 --> 01:43:40.720 was following you up till that last part. That last 2231 01:43:40.720 --> 01:43:43.680 part I distributed. No, I don't mind helping people eat 2232 01:43:43.720 --> 01:43:47.239 that simply can't eat, especially kids. But you know that's 2233 01:43:47.319 --> 01:43:50.279 a whole other conversation, like are the parents actually working 2234 01:43:50.680 --> 01:43:52.680 or are they drug addicts? Or where are we there 2235 01:43:53.039 --> 01:43:56.000 because maybe the kids, maybe the kids need new parents. 2236 01:44:00.119 --> 01:44:03.319 Go with a sure thing Denver's Best roofer Excel roofing 2237 01:44:03.439 --> 01:44:04.000 dot com. 2238 01:44:04.039 --> 01:44:06.079 You don't pay a cent until you're content. 2239 01:44:09.439 --> 01:44:12.640 Time for an insurance check up free no obligation comparison 2240 01:44:12.760 --> 01:44:16.279 call compass insurance paying too much your coverage at dozens 2241 01:44:16.319 --> 01:44:19.079 of insurance companies find out now three all three seven 2242 01:44:19.079 --> 01:44:21.439 to seven to one. Help you'll think you're his only 2243 01:44:21.520 --> 01:44:24.000 customer when you choose Frank durand the real estate man 2244 01:44:24.039 --> 01:44:27.439 dot Com to list your home with Remax Alliance three 2245 01:44:27.479 --> 01:44:29.600 all three nine two zero sixteen twenty two. 2246 01:44:30.199 --> 01:44:35.119 All right, folks, three oh three seven one three. 2247 01:44:35.079 --> 01:44:36.720 Eight two five five. 2248 01:44:36.920 --> 01:44:37.199 Dave. 2249 01:44:37.760 --> 01:44:40.840 Issue with the dui car accident, Dave, listen, We're going 2250 01:44:40.880 --> 01:44:42.920 to be going to the long break, but I'm gonna 2251 01:44:42.960 --> 01:44:44.479 take plenty of time with you if we got to 2252 01:44:44.479 --> 01:44:47.319 get an attorney on to help you. In fact, I'll 2253 01:44:47.319 --> 01:44:50.159 ask you real quick. I got about twenty seconds. Give me, 2254 01:44:50.359 --> 01:44:52.079 give me in a nutshell with the issue. 2255 01:44:52.119 --> 01:44:54.359 Is I do? 2256 01:44:54.560 --> 01:44:54.800 Mark? 2257 01:44:55.159 --> 01:44:58.600 My wife involved a hit run accident and the guy 2258 01:44:58.640 --> 01:44:59.800 that took him the detox. 2259 01:45:00.079 --> 01:45:02.399 The car was total, So your car was totaled. 2260 01:45:02.399 --> 01:45:06.520 The other guy was drunk and taken to detox. Right right, 2261 01:45:06.560 --> 01:45:07.760 all right, hold tight, we're. 2262 01:45:07.600 --> 01:45:08.680 Gonna dive into it. 2263 01:45:08.920 --> 01:45:11.359 Hopefully the guy at least had insurance, but we're gonna 2264 01:45:11.399 --> 01:45:12.600 find out after the break. 2265 01:45:12.800 --> 01:45:14.520 Look, we got another hour to go. 2266 01:45:14.640 --> 01:45:17.279 I want to hear from you any comments you have, 2267 01:45:17.800 --> 01:45:21.720 any problems you have. Three zero three Martino, don't forget 2268 01:45:21.800 --> 01:45:25.239 that number works on and off the air. Tell your neighbors, 2269 01:45:25.239 --> 01:45:28.239 Tell your friends. We love helping, We love talking to people. 2270 01:45:28.359 --> 01:45:29.960 You can email us at. 2271 01:45:29.840 --> 01:45:33.159 Help or Troubleshooter dot com three oho three Martino. 2272 01:45:33.319 --> 01:45:35.520 See you on the other side of this break. 2273 01:45:44.319 --> 01:45:47.600 Go with a sure thing Denver's Best roofer Excel Roofing 2274 01:45:47.680 --> 01:45:48.279 dot com. 2275 01:45:48.319 --> 01:45:50.359 You don't pay a cent until you're content. 2276 01:45:53.720 --> 01:45:56.920 Time for an insurance check up free, no obligation comparison 2277 01:45:57.039 --> 01:46:00.239 call Compass insurance paying too much your coverage. We had 2278 01:46:00.279 --> 01:46:02.920 dozens of insurance companies find out Now three all three 2279 01:46:03.119 --> 01:46:05.239 seven to seven to one Help. You'll think you're his 2280 01:46:05.399 --> 01:46:08.039 only customer when you choose Frank durand the real estate 2281 01:46:08.079 --> 01:46:11.319 Man dot com to list your home with Remax Alliance 2282 01:46:11.560 --> 01:46:14.000 three all three nine two zero sixteen twenty. 2283 01:46:13.680 --> 01:46:20.920 Two ripped up. 2284 01:46:22.399 --> 01:46:25.399 New need that who you don't have? 2285 01:46:27.640 --> 01:46:32.640 Come running as fast as we can shoot. That's gonna help. 2286 01:46:32.920 --> 01:46:35.760 Come man, This is. 2287 01:46:35.680 --> 01:46:39.840 The Troubleshooter Show. No Tom Martina, my friends to the 2288 01:46:39.960 --> 01:46:40.600 only show off. 2289 01:46:40.600 --> 01:46:44.000 It's cand We're here to solve problems, answer questions, take complaints. 2290 01:46:44.199 --> 01:46:48.079 Education is very important. We've been talking insurance today and 2291 01:46:48.119 --> 01:46:51.239 I mean it, folks. If you've been listening to the show, 2292 01:46:51.560 --> 01:46:53.920 it is so important you check that insurance for so 2293 01:46:54.000 --> 01:46:57.840 many different reasons. Brian Burns has been with us. He 2294 01:46:57.920 --> 01:47:00.359 went over a couple examples, and I just to go 2295 01:47:00.399 --> 01:47:01.359 over one real quick. 2296 01:47:01.520 --> 01:47:03.039 Then we're going to go back with Dave. 2297 01:47:03.479 --> 01:47:06.840 But the people called up, they had assets, they have 2298 01:47:06.960 --> 01:47:10.199 a house, they only had twenty five thousand dollars in 2299 01:47:10.319 --> 01:47:14.479 liability coverage, and they didn't have an umbrella. Basically, if 2300 01:47:14.479 --> 01:47:16.960 they hit somebody and they were at fault, they would 2301 01:47:17.000 --> 01:47:20.920 probably get sued and lose everything they have. And seriously, Brian, 2302 01:47:20.960 --> 01:47:24.359 it's crazy. Oh yeah, and now you guys have quoted out, 2303 01:47:24.640 --> 01:47:27.680 they're gonna have better insurance, they're gonna have liability going 2304 01:47:27.760 --> 01:47:31.760 up to one point five million dollars, and they're going 2305 01:47:31.840 --> 01:47:35.720 to have better coverage on their house because it's it'll 2306 01:47:35.720 --> 01:47:39.880 go fifty percent over if it's a total loss instead 2307 01:47:39.880 --> 01:47:43.840 of twenty five percent extended coveragep And you saved them 2308 01:47:43.840 --> 01:47:46.840 two thousand dollars a year, two thousand dollars a year. Yep, 2309 01:47:46.920 --> 01:47:49.319 it's crazy people. If you don't do it, you're nuts. 2310 01:47:49.359 --> 01:47:52.159 He's going to shop thirty companies for you. Call them 2311 01:47:52.239 --> 01:47:55.760 up now. Three oh three nine nine to six nine thousand. 2312 01:47:56.000 --> 01:47:58.720 I get so many calls from people that save so 2313 01:47:58.840 --> 01:48:04.239 much money, but more importantly, it's the people that are 2314 01:48:04.359 --> 01:48:08.039 under insured. I feel bad for because if anything ever happens, 2315 01:48:08.239 --> 01:48:11.199 and the people that have actual cash value on their 2316 01:48:11.319 --> 01:48:14.720 roof that think if there's a hailstorm, they're only going 2317 01:48:14.760 --> 01:48:17.000 to be a couple thousand out of pocket, when in 2318 01:48:17.079 --> 01:48:20.840 reality they could be paying for the entire roof, like literally, 2319 01:48:21.119 --> 01:48:25.479 or people that the replacement cost of their house five 2320 01:48:25.520 --> 01:48:29.479 to eight hundred thousand has a two percent deductible on 2321 01:48:29.520 --> 01:48:32.680 a roof, so you're deductible could be twenty. 2322 01:48:32.439 --> 01:48:35.640 Thousand dollars, right, Yeah, And the actual cash value portion 2323 01:48:35.720 --> 01:48:37.520 is where it really gets them, because people have a 2324 01:48:37.600 --> 01:48:40.479 roof that's twenty years old and they if they have 2325 01:48:40.520 --> 01:48:44.439 actual cash value, they essentially have no coverage because it's 2326 01:48:44.439 --> 01:48:45.560 already lived its life. 2327 01:48:45.680 --> 01:48:47.560 No, it is, because basically that's it. 2328 01:48:47.600 --> 01:48:49.840 If the roof cost twenty and it's twenty years old, 2329 01:48:50.079 --> 01:48:52.439 the roof is deemed useless, right, I mean even though 2330 01:48:52.439 --> 01:48:55.800 it's still covering your house, but there's no value to the. 2331 01:48:55.800 --> 01:48:58.079 Roof, There is no cash value. 2332 01:48:58.159 --> 01:49:00.560 And if it's ten years old in your roof twenty, 2333 01:49:00.800 --> 01:49:02.880 they're gonna cut you check for ten thousand. 2334 01:49:02.960 --> 01:49:05.399 Well, no, because then they assess the deductible you have 2335 01:49:05.439 --> 01:49:06.039 on your policy. 2336 01:49:06.119 --> 01:49:07.960 Tea of course, So I mean you might have zero 2337 01:49:08.000 --> 01:49:10.960 coverage again, right, people, I swear, just do it if 2338 01:49:10.960 --> 01:49:14.560 you haven't done it. Brian shops for Susanne and I 2339 01:49:15.079 --> 01:49:19.199 every single year for our car insurance, are ourv insurance, 2340 01:49:19.199 --> 01:49:25.760 our motorcycle insurance, our business insurance, our homeowner's insurance, our 2341 01:49:25.840 --> 01:49:30.359 kids renters insurance. My god, do I spend a lot 2342 01:49:30.399 --> 01:49:36.880 of money on insurance. Boy, that's depressing just thinking about it. 2343 01:49:37.399 --> 01:49:40.039 That's part of our life though. If something ever happens 2344 01:49:40.399 --> 01:49:43.199 and you don't have the coverage, your entire life changes. 2345 01:49:43.359 --> 01:49:46.840 Yeah, especially those liability losses. I mean you know that 2346 01:49:46.920 --> 01:49:48.119 you just aren't accounting for it. 2347 01:49:48.319 --> 01:49:51.680 A good attorney O come after you. And the umbrella 2348 01:49:51.760 --> 01:49:54.880 you found for us. I think it's a two million 2349 01:49:54.920 --> 01:50:01.279 dollar umbrella and it actually extends a are. Yeah, I 2350 01:50:01.359 --> 01:50:08.720 do have this right are Uninsured driver insurance, unassured motorists, 2351 01:50:08.800 --> 01:50:12.600 uninsured motorists is so important and people, I'm going to 2352 01:50:12.640 --> 01:50:16.560 tell you something. If you don't have it, you're absolutely crazy. 2353 01:50:16.600 --> 01:50:18.640 And I'm going to talk to people that are out there, 2354 01:50:18.680 --> 01:50:22.199 the average person where the family's making one hundred thousand 2355 01:50:22.239 --> 01:50:25.199 or less in Colorado. You have a house, you might 2356 01:50:25.239 --> 01:50:27.279 not even have a lot of equity in it. But 2357 01:50:27.359 --> 01:50:29.880 I want to tell you why it's so important. You 2358 01:50:29.920 --> 01:50:33.159 get hit by Joe Blow, and Joe Blow's only got 2359 01:50:33.199 --> 01:50:37.039 twenty five thousand dollars of insurance. That's going to pay 2360 01:50:37.600 --> 01:50:41.720 for basically your broken leg, your ability to work, your 2361 01:50:41.760 --> 01:50:46.600 life changing brain brain injury you now have. And you 2362 01:50:46.720 --> 01:50:49.279 think you're going to live off twenty five thousand, you're 2363 01:50:49.439 --> 01:50:53.760 absolutely insane. Your life just changed forever and you have 2364 01:50:53.880 --> 01:50:56.960 twenty five thousand dollars to live off of. That's where 2365 01:50:57.000 --> 01:51:00.680 that coverage comes in. That coverage is not for anybody else. 2366 01:51:00.960 --> 01:51:05.079 It's not for your liability. It's for you and your family. 2367 01:51:05.399 --> 01:51:08.279 If someone hits you with no insurance or the or 2368 01:51:08.319 --> 01:51:11.600 the minimal or anything, that's where it kicks in. And 2369 01:51:12.159 --> 01:51:15.880 we have personally, we have two point five million dollars 2370 01:51:16.159 --> 01:51:17.840 of that coverage with the umbrella. 2371 01:51:18.239 --> 01:51:20.199 Yeah, well you have a million because you can only 2372 01:51:20.239 --> 01:51:22.439 get an excess of one million on the umbrella. 2373 01:51:22.600 --> 01:51:23.279 But got it. 2374 01:51:23.319 --> 01:51:26.119 But the point is, I can't tell you how common 2375 01:51:26.159 --> 01:51:28.960 it is to see people, especially like if they're with Geico, 2376 01:51:29.039 --> 01:51:32.119 where they've done their own insurance and they'll pick out 2377 01:51:32.119 --> 01:51:34.399 the cheapest. Well, they go two hundred and fifty thousand, 2378 01:51:34.520 --> 01:51:37.680 let's say on liability, So they're protecting other people or 2379 01:51:37.760 --> 01:51:40.119 a lot themselves, But then they have twenty five thousand 2380 01:51:40.199 --> 01:51:40.880 for uninsured. 2381 01:51:40.880 --> 01:51:43.920 Moment, My god, that's stupid. Yeah, it's I think about that. 2382 01:51:44.000 --> 01:51:47.520 You're you're willing to pay out and protect other people 2383 01:51:47.680 --> 01:51:50.800 up to two hundred and fifty thousand, but you only 2384 01:51:50.800 --> 01:51:53.399 have twenty five thousand if you get hit by somebody 2385 01:51:53.600 --> 01:51:54.880 with no license and no. 2386 01:51:54.920 --> 01:51:57.279 Insurance up or even crappy insurance. 2387 01:51:57.359 --> 01:51:59.239 Right, if they have the general Let me tell you, 2388 01:51:59.319 --> 01:52:02.680 if someone hits you, Dmitri and they pull out a 2389 01:52:02.720 --> 01:52:05.720 card that is proof of insurance and it says a 2390 01:52:05.880 --> 01:52:10.760 general on it. Now, look, I'm being a little overboard here, 2391 01:52:11.239 --> 01:52:15.680 but my guess is they have the state minimal. 2392 01:52:16.039 --> 01:52:19.079 I would say there's a high probability that they have 2393 01:52:19.119 --> 01:52:19.359 the same. 2394 01:52:19.439 --> 01:52:20.239 I bet on it. 2395 01:52:20.159 --> 01:52:23.880 All day long, Yeah, and I win all day long. Hey, 2396 01:52:24.000 --> 01:52:27.840 so Dave, talk about insurance. Your wife was hit by 2397 01:52:27.840 --> 01:52:31.560 a drunk guy hit your car. Does your wife have injuries? 2398 01:52:33.439 --> 01:52:33.680 Yeah? 2399 01:52:33.720 --> 01:52:36.159 I got Roma's law on it, and I have that 2400 01:52:36.279 --> 01:52:40.680 insurance you're talking about okay, and they're going to the card. 2401 01:52:41.079 --> 01:52:44.840 But the guy hit and run, yeah, right, and he 2402 01:52:44.880 --> 01:52:48.039 came back now or later, and he was drown high 2403 01:52:48.119 --> 01:52:48.920 and all that, and. 2404 01:52:49.560 --> 01:52:50.640 Well, what kind of moron? 2405 01:52:50.720 --> 01:52:52.720 Hold on, First of all, it's a hit and run, 2406 01:52:53.079 --> 01:52:55.239 But what kind of moron would come back to the 2407 01:52:55.279 --> 01:52:56.319 scene drunk as hell? 2408 01:52:56.399 --> 01:52:58.079 I mean, why. 2409 01:52:59.399 --> 01:53:00.760 Why he lived right in front of the house that 2410 01:53:00.840 --> 01:53:02.800 right from his house is coming out of his driveway? 2411 01:53:02.840 --> 01:53:04.520 Head on and keep all my wife? 2412 01:53:04.560 --> 01:53:06.439 Oh my god? Did she have injuries? 2413 01:53:07.760 --> 01:53:08.000 Yes? 2414 01:53:08.600 --> 01:53:10.479 So let me ask you something. Did she go to 2415 01:53:10.520 --> 01:53:11.199 the hospital? 2416 01:53:12.359 --> 01:53:12.560 Yeah? 2417 01:53:12.720 --> 01:53:15.199 First nine, did you hire an attorney? 2418 01:53:16.279 --> 01:53:18.359 I got Roma's law almost Roma's law. 2419 01:53:18.560 --> 01:53:21.399 I don't even know Romos. He's the guy. 2420 01:53:21.439 --> 01:53:25.760 He's got like a Ramos. That's why I didn't recognize him. 2421 01:53:25.960 --> 01:53:30.039 He's like a doctor and an attorney or something. Oh okay, 2422 01:53:30.079 --> 01:53:31.560 So what's your question for us? 2423 01:53:31.640 --> 01:53:31.880 Dave? 2424 01:53:33.079 --> 01:53:35.880 While was daring, you're having a conversation about get a lawyer? 2425 01:53:35.920 --> 01:53:37.039 Go after because. 2426 01:53:36.840 --> 01:53:39.199 It's just mom's car. Yeah, I want to see if 2427 01:53:39.199 --> 01:53:41.520 I'll be wheel see if the mom has it. They 2428 01:53:41.600 --> 01:53:43.560 can't put no insurance on the car. I mean, they 2429 01:53:43.560 --> 01:53:45.199 didn't comp and get the report. They just put in 2430 01:53:45.239 --> 01:53:47.800 a detox and heave Dave. 2431 01:53:47.880 --> 01:53:50.439 This is exactly what we were just talking about. So 2432 01:53:50.560 --> 01:53:54.199 I'm going to ask you do you have underinsured coverage 2433 01:53:54.239 --> 01:53:55.359 and how much is it for? 2434 01:53:56.680 --> 01:53:58.640 I got two hundred thousand policy. 2435 01:53:58.800 --> 01:54:02.439 That you're not answering the question though, what is it called? 2436 01:54:02.439 --> 01:54:03.760 Brian YOUM and what. 2437 01:54:04.600 --> 01:54:07.760 M uim so uninsured motors? This is for her damages, 2438 01:54:07.840 --> 01:54:09.760 her injuries. That's what we're talking about. 2439 01:54:09.840 --> 01:54:12.439 So if this guy hits you and he had no insurance, 2440 01:54:12.479 --> 01:54:14.840 and you're saying he had no insurance, right. 2441 01:54:15.800 --> 01:54:17.520 I don't know the content put on the report. 2442 01:54:17.760 --> 01:54:20.119 Well okay, well let's hope they do have insurance. 2443 01:54:20.159 --> 01:54:24.399 But even if they don't, if you guys have uim M, 2444 01:54:25.119 --> 01:54:28.239 you're going to be covered from your own insurance company 2445 01:54:28.520 --> 01:54:29.680 for what he did. 2446 01:54:31.239 --> 01:54:33.439 Right, I've done that. I have another card too out 2447 01:54:33.439 --> 01:54:36.960 of Corbett and I was hit okay T and I 2448 01:54:36.960 --> 01:54:38.920 had injuries that got two stick disk of my neck 2449 01:54:39.159 --> 01:54:41.039 got it. I had to go out to my insurance 2450 01:54:41.079 --> 01:54:43.640 company and they paid out one hundred and forty grand. 2451 01:54:43.720 --> 01:54:43.960 Nice. 2452 01:54:44.239 --> 01:54:48.159 Perfect. That's what exactly what this insurance is for. 2453 01:54:49.479 --> 01:54:51.439 If I fall another claim against them, won't that be 2454 01:54:51.479 --> 01:54:51.960 two claims? 2455 01:54:52.000 --> 01:54:54.039 That can to me, No, because those are not at 2456 01:54:54.039 --> 01:54:57.479 fault claims. ARS claims are not are not chargeable. 2457 01:54:57.680 --> 01:55:00.439 They absolutely can't. I'm going to tell you something else, Dave. 2458 01:55:00.840 --> 01:55:03.840 I'm glad you hired an attorney because some people think, 2459 01:55:03.880 --> 01:55:06.600 because I'm dealing with my own insurance company, I don't 2460 01:55:06.600 --> 01:55:09.920 need an attorney. You're crazy to think that you hire 2461 01:55:09.920 --> 01:55:12.640 an attorney just like you did, even though part of 2462 01:55:12.680 --> 01:55:15.000 it's probably going to be on your own insurance company. 2463 01:55:15.199 --> 01:55:17.760 But like Brian said, and we talked about it first hour, 2464 01:55:17.840 --> 01:55:20.279 for all the new listeners, now listen to this. 2465 01:55:20.319 --> 01:55:20.960 In the state of. 2466 01:55:21.000 --> 01:55:24.760 Colorado, if you put in acclaim and you're not at fault, 2467 01:55:25.000 --> 01:55:29.439 maybe you ran into a deer, maybe it hailed, maybe 2468 01:55:29.479 --> 01:55:32.399 what else, Brian, If it's not your fault, someone ran 2469 01:55:32.479 --> 01:55:36.199 into you and took off, anything like that. If it's 2470 01:55:36.279 --> 01:55:40.560 not your fault, then they cannot penalize you. 2471 01:55:40.520 --> 01:55:41.880 For it, exactly. 2472 01:55:42.039 --> 01:55:43.880 Yeah, you're in other words, if you're if you're getting 2473 01:55:43.880 --> 01:55:46.319 your renewal rate, your rate's not going to go up 2474 01:55:46.399 --> 01:55:49.720 because of this, nor are they going that's a statute, right, Yeah, 2475 01:55:49.800 --> 01:55:52.239 I don't I know Colorado, you can't charge for not 2476 01:55:52.279 --> 01:55:52.680 a tea. 2477 01:55:52.760 --> 01:55:55.479 You simply can't. They're not allowed to, so they can't 2478 01:55:55.520 --> 01:55:57.680 cancel you, Dave, Do you got any other questions? 2479 01:55:59.199 --> 01:55:59.279 No? 2480 01:56:00.319 --> 01:56:02.239 And I swapped the insurance coming and I got my 2481 01:56:02.279 --> 01:56:05.000 first ball in my first acts in my corvette. Uh, 2482 01:56:05.159 --> 01:56:07.520 that went back to Progress and they took me back. 2483 01:56:07.840 --> 01:56:10.640 So now I'm paying like six seven hundred dollars a month. 2484 01:56:10.840 --> 01:56:12.960 Yeah for this accident. I'm I'm going to go. 2485 01:56:12.920 --> 01:56:16.960 Up again or no, no again, this accident it's not 2486 01:56:17.039 --> 01:56:19.680 at falsehood. Your rate won't be won't be. You won't 2487 01:56:19.680 --> 01:56:21.359 be penalized on your rate because of it. 2488 01:56:21.439 --> 01:56:23.520 You will not be at all. Three oh three seven one, 2489 01:56:23.560 --> 01:56:26.039 three eight two five five. Uh, we got a couple 2490 01:56:26.079 --> 01:56:28.640 of lines open three oh three, Martino CHRISTI, you're next. 2491 01:56:35.359 --> 01:56:38.640 Go with a sure thing Denver's best roofer Excel Roofing 2492 01:56:38.720 --> 01:56:41.359 dot com. You don't pay a cent until you're content. 2493 01:56:44.720 --> 01:56:47.920 Time for an insurance check up free, no obligation. In comparison, 2494 01:56:48.039 --> 01:56:51.600 call Compass Insurance paying too much your coverage at dozens 2495 01:56:51.640 --> 01:56:54.359 of insurance companies. Find out now three oh three, seven 2496 01:56:54.359 --> 01:56:56.720 to seven to one help. You'll think you're his only 2497 01:56:56.800 --> 01:56:59.279 customer when you choose Frank durand the Real Estate man 2498 01:56:59.319 --> 01:57:02.720 dot com to list your home with Remax Alliance three 2499 01:57:02.800 --> 01:57:11.239 oh three nine two zero sixteen twenty two. 2500 01:57:11.520 --> 01:57:15.720 You know, I was watching Easy Money over the weekend. 2501 01:57:15.800 --> 01:57:19.920 Rodney Dangerfield the funniest line. I mean, this movie's old. 2502 01:57:20.000 --> 01:57:24.520 I mean Rodney Dangerfield died God quite a while back. Honestly, 2503 01:57:25.199 --> 01:57:28.399 I'm such a funny man though, just so funny. His 2504 01:57:28.560 --> 01:57:30.520 favorite line is so, if you haven't seen the movie, 2505 01:57:30.560 --> 01:57:31.520 I suggest you see it. 2506 01:57:31.560 --> 01:57:34.560 But here's the bottom line. His mother in law dies 2507 01:57:34.600 --> 01:57:34.960 and in. 2508 01:57:34.880 --> 01:57:38.279 The will, the will says, you get a buttload of money, 2509 01:57:38.319 --> 01:57:44.399 millions of dollars, but you can't drink, gamble woman eyes, 2510 01:57:45.600 --> 01:57:51.319 smoke and smoke cigarettes or drugs for one year. So 2511 01:57:51.359 --> 01:57:53.680 he's got to be perfectly clean for one year. Then 2512 01:57:53.680 --> 01:57:57.880 he gets millions of dollars, and his first question out 2513 01:57:57.920 --> 01:58:00.960 of his mouth after they say that, he goes and 2514 01:58:01.000 --> 01:58:03.520 they say he can't. During clicker, he goes, yeah, that 2515 01:58:03.600 --> 01:58:08.560 doesn't beer doesn't count, right, that would be my first 2516 01:58:08.640 --> 01:58:10.760 question too. It's like, well, you don't mean beer, right, 2517 01:58:10.800 --> 01:58:12.600 You're talking hard alcohol. 2518 01:58:13.720 --> 01:58:15.680 And so the movie is just. 2519 01:58:15.680 --> 01:58:17.319 Hilarious if you haven't seen it. I'm not going to 2520 01:58:17.359 --> 01:58:19.279 give away the ending. There's a lot of people that 2521 01:58:19.359 --> 01:58:21.359 haven't seen it. And if you haven't gone back and 2522 01:58:21.479 --> 01:58:22.680 visited it, you've seen it. 2523 01:58:22.960 --> 01:58:25.319 Oh, I saw it when it first came out, and 2524 01:58:25.439 --> 01:58:27.520 now that you mentioned, I remember it was hilarious. I 2525 01:58:27.600 --> 01:58:28.560 really want to see it again. 2526 01:58:28.640 --> 01:58:31.560 You've got Joe Peshy. Oh, he's great. He's a little 2527 01:58:31.560 --> 01:58:31.880 guy there. 2528 01:58:31.960 --> 01:58:32.760 He his best friend. 2529 01:58:32.880 --> 01:58:35.399 You add some questions for Brian. What do you got 2530 01:58:35.439 --> 01:58:36.920 to Metri? Hit them between the ice. 2531 01:58:37.239 --> 01:58:41.399 Let's stump. Let's stump the insurance guy, Brian. 2532 01:58:41.439 --> 01:58:44.800 My homeowner's policy covers the interior contents of my personal 2533 01:58:44.840 --> 01:58:49.439 possessions for their replacement value. So if the house god 2534 01:58:49.479 --> 01:58:52.520 forbid burns down, how do I go about proving that 2535 01:58:52.600 --> 01:58:57.920 I had eighteen pair pans or Yeah? And how do 2536 01:58:58.039 --> 01:59:01.199 they know I didn't just sneak in like six rolexes? 2537 01:59:01.239 --> 01:59:03.680 You sure it wasn't eight? Yeah? How does something like 2538 01:59:03.720 --> 01:59:04.239 that work? 2539 01:59:04.319 --> 01:59:08.760 There are limitations for things like jewelry that are not 2540 01:59:08.840 --> 01:59:12.039 covered underneath that personal property limit, or there's limited to 2541 01:59:12.119 --> 01:59:15.920 let's say one thousand dollars or something something with cash and. 2542 01:59:18.199 --> 01:59:18.399 Part. 2543 01:59:18.479 --> 01:59:23.000 But all my regular stuff, the furniture, the clothes, computer, Yeah, 2544 01:59:23.479 --> 01:59:25.159 if I get a TV or something, so I will 2545 01:59:25.239 --> 01:59:25.720 tell people. 2546 01:59:25.760 --> 01:59:28.880 For my recommendation is to choose your phone, go around 2547 01:59:28.920 --> 01:59:32.600 your your quick video, just to it's not just to 2548 01:59:32.720 --> 01:59:36.000 prove it for the insurance company, but I say, when 2549 01:59:36.039 --> 01:59:38.640 you lose everything, it's really hard to remember what you 2550 01:59:38.720 --> 01:59:41.199 had in a lot areas you're you're trying to remember. 2551 01:59:41.279 --> 01:59:43.039 But if you have a video and you just went 2552 01:59:43.079 --> 01:59:46.119 through losing everything, yeah, and so you're not remembering, oh 2553 01:59:46.159 --> 01:59:49.439 I did have this base, this lamp, this, whatever it 2554 01:59:49.520 --> 01:59:49.840 might be. 2555 01:59:50.680 --> 01:59:55.359 To add on to that question, if we just redid 2556 01:59:55.399 --> 01:59:58.840 our master bathroom, so prior to doing that, I mean 2557 01:59:58.920 --> 02:00:01.079 it was, let's just all it builder grade. 2558 02:00:01.640 --> 02:00:04.039 So if someone remodels their kitchen. 2559 02:00:04.399 --> 02:00:08.039 And you know, they go way over the original so 2560 02:00:08.079 --> 02:00:12.039 it's no longer builder grade, it's custom cabinets and granted 2561 02:00:12.119 --> 02:00:15.720 and blah blah blah, Like, how do you prove that 2562 02:00:15.800 --> 02:00:16.960 to the insurance company. 2563 02:00:17.000 --> 02:00:19.479 Well, first off, you need to be having a conversation 2564 02:00:19.560 --> 02:00:22.319 with your insurance company to make sure they're updating the 2565 02:00:22.359 --> 02:00:23.199 twelfth Thank. 2566 02:00:23.079 --> 02:00:26.479 God, I just did everybody marked that. Dad, I just 2567 02:00:26.600 --> 02:00:30.159 told him I never would have thought that that's true. 2568 02:00:30.239 --> 02:00:30.560 Yeah. 2569 02:00:30.600 --> 02:00:34.119 So if you're doing things like upgrading a kitchen, you're 2570 02:00:34.199 --> 02:00:36.760 because as you know, whenever you upgrade a kitchen, you 2571 02:00:36.800 --> 02:00:38.920 could go from something that would have cost one hundred 2572 02:00:38.960 --> 02:00:42.520 thousand replace to five hundred thousands. I mean, you know 2573 02:00:42.640 --> 02:00:44.960 you can. You can really make that big a difference. 2574 02:00:45.000 --> 02:00:48.479 So part of the language of an insurance policy, especially 2575 02:00:48.560 --> 02:00:51.760 for that extended replacement cost, is that you have to 2576 02:00:51.800 --> 02:00:52.319 be up to. 2577 02:00:52.399 --> 02:00:54.680 Date with your home value. 2578 02:00:54.760 --> 02:00:57.039 Do I literally just tell you, yeah, you'd say, hey, 2579 02:00:57.079 --> 02:00:59.800 I'm just having I'm updating my because we've. 2580 02:00:59.600 --> 02:01:03.319 Done like literally we've done every bathroom in the house, 2581 02:01:04.000 --> 02:01:06.760 and we've done the living room or not the living room, 2582 02:01:06.840 --> 02:01:10.680 the laundry room, and as of right now I even 2583 02:01:10.720 --> 02:01:14.239 showed you that picture, we're adding hardwood to a bunch 2584 02:01:14.319 --> 02:01:15.319 of other areas of the. 2585 02:01:15.239 --> 02:01:18.079 House, right and you know, just to distinguish if you 2586 02:01:18.079 --> 02:01:21.159 were just refinishing your hardwood or replacing the hardwood, No, 2587 02:01:21.239 --> 02:01:23.760 we're talking adding, no adding. And that's where you have 2588 02:01:23.840 --> 02:01:25.920 to kind of communicate if it's going to increase the 2589 02:01:26.359 --> 02:01:29.680 cost of reconstruction, that's one thing. If but sometimes people 2590 02:01:29.680 --> 02:01:33.920 will call and they're really not making it. You know, 2591 02:01:33.960 --> 02:01:36.800 they're not changing the value of it other than they're 2592 02:01:37.119 --> 02:01:39.680 replacing with new things that you don't really have to 2593 02:01:39.720 --> 02:01:42.399 do anything with because you're already doing replacement costs. 2594 02:01:42.439 --> 02:01:43.479 How about a new furnace. 2595 02:01:43.560 --> 02:01:46.279 Let's say you add an eighty percent and you go 2596 02:01:46.479 --> 02:01:48.640 crazy and buy the mac Daddy furnace. 2597 02:01:48.680 --> 02:01:50.720 Do you got to report that or no, you wouldn't 2598 02:01:50.760 --> 02:01:52.279 have to go that granular. 2599 02:01:52.439 --> 02:01:54.600 It's really I mean the big things to remember, like 2600 02:01:54.640 --> 02:01:59.279 if you're having your basement finished and it wasn't finished before, 2601 02:01:59.399 --> 02:02:02.920 that's important you communicate that because with a replacement cost customer, 2602 02:02:03.079 --> 02:02:05.840 you have to update your dwelling limits so that you 2603 02:02:05.840 --> 02:02:07.479 can keep that extended replacement coming. 2604 02:02:07.600 --> 02:02:09.840 Or like when we built the r V garage, Yeah, 2605 02:02:09.880 --> 02:02:11.239 I mean that's a whole structure. 2606 02:02:11.399 --> 02:02:13.399 Well, and if it's a if it's an RV grudge 2607 02:02:13.720 --> 02:02:17.479 or a separate structure from our home, you absolutely need 2608 02:02:17.520 --> 02:02:20.119 to talk. Because the insurance policy only covers you for 2609 02:02:20.239 --> 02:02:21.359 ten percent. 2610 02:02:21.279 --> 02:02:23.880 Of other ships. You went over that with us, I 2611 02:02:23.960 --> 02:02:24.520 remember that. 2612 02:02:24.560 --> 02:02:29.239 So we actually added the cover GeOH. 2613 02:02:27.720 --> 02:02:32.319 Thanks Brian, so so a video sufficient proof and then 2614 02:02:32.359 --> 02:02:34.640 I would just say, look, see I'm walking through the 2615 02:02:34.680 --> 02:02:37.000 closet that's actually like thirty two shirts. 2616 02:02:37.119 --> 02:02:39.319 Yeah, they're not going to work for that. Yeah, they're 2617 02:02:39.359 --> 02:02:42.840 not good unless they're all our money. Yeah, that's where 2618 02:02:42.840 --> 02:02:46.479 things start getting There can be fraudulent activity if you 2619 02:02:46.520 --> 02:02:49.560 start claiming that everything you have is top of the line, 2620 02:02:49.960 --> 02:02:53.119 yet there's no proof of you buying any of that. 2621 02:02:53.119 --> 02:02:56.119 That's where questions come into play. So if people try 2622 02:02:56.119 --> 02:02:58.119 to abuse it, you'll start seeing that. That's where an 2623 02:02:58.119 --> 02:02:59.079 insurance company. 2624 02:02:58.800 --> 02:03:02.399 Is really in my case, would say, mister Major, every 2625 02:03:02.479 --> 02:03:05.760 shirt in there we've seen at Costco or they just 2626 02:03:05.760 --> 02:03:08.560 show a quick video of every shirt that he's like, literally, 2627 02:03:08.800 --> 02:03:11.600 mister Major, you're wearing that same Hurli shirt today. 2628 02:03:12.319 --> 02:03:16.279 Uh no, So that's a great question. Thought what else? 2629 02:03:16.800 --> 02:03:19.359 Well, you know, I thought it would be really fun 2630 02:03:19.399 --> 02:03:21.880 to hear about some of the scams that you heard about. 2631 02:03:22.159 --> 02:03:24.560 Oh, it is one of your clients ever been caught 2632 02:03:24.800 --> 02:03:25.039 and that? 2633 02:03:25.439 --> 02:03:27.520 Yeah, maybe not necessarily one of your clients if you 2634 02:03:27.560 --> 02:03:30.560 have some confidentiality issues, but if you're really interested to 2635 02:03:30.600 --> 02:03:33.800 hear about how some people try to scam their insurance come, Yeah. 2636 02:03:33.720 --> 02:03:36.399 Like what's the big one? Just lying about the Armani 2637 02:03:36.439 --> 02:03:37.319 suits or something. 2638 02:03:37.680 --> 02:03:42.880 Yeah, I mean you'll have I've had someone that called 2639 02:03:43.039 --> 02:03:46.199 and said they were adding a car and the next 2640 02:03:46.319 --> 02:03:48.800 day made a claim for the entire car being stolen. 2641 02:03:48.960 --> 02:03:52.159 So they are oh my god. So basically they already 2642 02:03:52.239 --> 02:03:53.760 racked it then put insurance on it. 2643 02:03:53.840 --> 02:03:56.279 Yeah, and then or they're saying it was stolen, and 2644 02:03:56.359 --> 02:03:59.800 yet they there's no police report. No, that's gone. The 2645 02:03:59.840 --> 02:04:02.279 car is gone. So they're trying to collect on the 2646 02:04:02.359 --> 02:04:04.960 value of a new CD they collect. Uh, well it 2647 02:04:05.039 --> 02:04:10.119 went underneath this particular case. Uh, it got you know, insurance. 2648 02:04:10.239 --> 02:04:14.920 Uh investigated, Uh, and they found that the that it 2649 02:04:14.960 --> 02:04:15.800 was all fraudulent. 2650 02:04:15.880 --> 02:04:19.680 It was what's the guy's name, Mark Majors. 2651 02:04:19.960 --> 02:04:24.600 Though they so are you saying there was no car. 2652 02:04:24.960 --> 02:04:28.159 No, he had had fictitious paperwork that he had purchased 2653 02:04:28.159 --> 02:04:31.039 this vehicle. It was a private it was purchase, it 2654 02:04:31.079 --> 02:04:33.239 was all. It was all that's elaborate. 2655 02:04:33.399 --> 02:04:34.399 Think about how much. 2656 02:04:34.479 --> 02:04:37.720 Think of how elaborate and honestly, how stupid it is. 2657 02:04:37.880 --> 02:04:40.560 Yeah. Did he literally add it in a day later? 2658 02:04:40.800 --> 02:04:44.760 It was within it was within a week. Can't up. Yeah. 2659 02:04:44.880 --> 02:04:47.399 I would guess if you ever added something within a week, 2660 02:04:47.439 --> 02:04:48.920 they would investigate a little. 2661 02:04:48.960 --> 02:04:50.680 Yeah, they're going to look into it. And when you're 2662 02:04:50.720 --> 02:04:53.199 you can't prove, I mean, you have some paperwork, but 2663 02:04:53.239 --> 02:04:56.560 it's a private seller. Uh, it was pretty quick. That 2664 02:04:56.560 --> 02:04:57.520 they started investigating. 2665 02:04:57.560 --> 02:04:59.359 It's like when the. 2666 02:04:59.439 --> 02:05:03.520 Husband did disappears and the wife just bought life insurance 2667 02:05:03.560 --> 02:05:07.920 on Friday and he he happened to disappear at the 2668 02:05:08.039 --> 02:05:11.840 lake on Wednesday. I mean, it's going to raise some 2669 02:05:11.920 --> 02:05:15.800 eyebrows on that two million dollar life insurance, right ron. 2670 02:05:15.840 --> 02:05:18.880 What about alternative housing? So let's say to continue with 2671 02:05:18.880 --> 02:05:22.199 this example. The place burns down, yep, and I mean 2672 02:05:22.199 --> 02:05:24.359 it might be a couple of years until it's rebuilt. 2673 02:05:24.720 --> 02:05:27.840 What is the insurance company supposed to do in terms 2674 02:05:27.840 --> 02:05:30.800 of paying for where I get to live? What standard? 2675 02:05:31.119 --> 02:05:32.359 What is my living standard? 2676 02:05:32.359 --> 02:05:32.439 Like? 2677 02:05:32.439 --> 02:05:34.760 Are they going to move me into the tiniest, cheapest 2678 02:05:34.800 --> 02:05:35.239 motil s. 2679 02:05:35.439 --> 02:05:37.359 Is it going to be Motel six? Can I get 2680 02:05:37.359 --> 02:05:38.079 a nice house? 2681 02:05:38.560 --> 02:05:41.720 Well, it has to be like value, so nice if 2682 02:05:41.760 --> 02:05:44.439 you're gonna But there is a limitation on your policy 2683 02:05:44.479 --> 02:05:46.079 too that you would have to look, especially on a 2684 02:05:46.119 --> 02:05:49.279 condo or an H six policy. It's a dollar amount 2685 02:05:49.279 --> 02:05:50.720 that you have to add in there, and so you 2686 02:05:50.840 --> 02:05:52.359 might have very little country. 2687 02:05:52.479 --> 02:05:54.159 Give us an idea of one, like what do I 2688 02:05:54.199 --> 02:05:54.720 have to you. 2689 02:05:54.680 --> 02:05:58.319 Know, well, yours is on a home policy, it's usually 2690 02:05:58.840 --> 02:06:02.720 a thousand a day. No, no, no, no, it's usually a 2691 02:06:02.760 --> 02:06:06.720 twenty four month actual loss sustained, so you don't have 2692 02:06:06.760 --> 02:06:10.439 a limitation. In other words, some policies have a ten percent. 2693 02:06:10.840 --> 02:06:14.159 Technically, if my house burned down for two years, I 2694 02:06:14.199 --> 02:06:16.760 could move into a house like mine while my house 2695 02:06:16.880 --> 02:06:17.680 was being rebuilt. 2696 02:06:17.680 --> 02:06:19.640 Well, I'm not looking at your policy, but yeah, that 2697 02:06:19.720 --> 02:06:22.039 could be. You might have a ten percent of your 2698 02:06:22.079 --> 02:06:24.199 dwelling limit. It might be a dollar amount, got it. 2699 02:06:24.279 --> 02:06:26.359 So let's say you have a million dollar house, you're 2700 02:06:26.359 --> 02:06:29.239 going to have ten yeah, to be able to pay 2701 02:06:29.279 --> 02:06:31.920 for your your loss of use. But on a condo 2702 02:06:32.039 --> 02:06:34.960 or an an h Oo six policy, you actually will 2703 02:06:34.960 --> 02:06:37.079 see that a lot of times. It doesn't have as 2704 02:06:37.199 --> 02:06:39.439 much coverage as you think you might have, So you 2705 02:06:39.520 --> 02:06:41.039 got to look at what that dollar amount is. 2706 02:06:41.079 --> 02:06:43.920 But they like an idea though, like maybe only ten grand. 2707 02:06:44.039 --> 02:06:45.439 No, no, I was going to say, I just I 2708 02:06:45.520 --> 02:06:48.319 saw one of these within the last couple of weeks 2709 02:06:48.319 --> 02:06:50.880 where someone's condo policy came in and they had like 2710 02:06:51.000 --> 02:06:53.000 five thousand dollars of loss of year and that's it, 2711 02:06:53.119 --> 02:06:55.800 and that's it. So if something happens, the most they're 2712 02:06:55.800 --> 02:06:57.279 going to pay is five thousand dollars. 2713 02:06:57.319 --> 02:07:00.399 Think about that. So your neighbor on top of you. Yeah, 2714 02:07:00.439 --> 02:07:03.560 it leaks and destroys your unit. Oh yeah, and I 2715 02:07:03.600 --> 02:07:06.279 mean you could literally only be looking at five grand 2716 02:07:06.680 --> 02:07:07.640 to stay somewhere. 2717 02:07:07.760 --> 02:07:10.119 Yeah yeah, all right, Well you and I are going 2718 02:07:10.159 --> 02:07:12.720 to go over my policies yep, with a fine tooth calm, 2719 02:07:12.760 --> 02:07:15.079 because I would like to get an on their critique. 2720 02:07:15.520 --> 02:07:19.399 I have no confidentiality requirements, so just don't tell people 2721 02:07:19.399 --> 02:07:21.760 where I live. But yeah, I would love to, so 2722 02:07:21.880 --> 02:07:24.199 next time you're here, prior to that, I'll provide you 2723 02:07:24.239 --> 02:07:25.640 with my auto own home policies. 2724 02:07:25.680 --> 02:07:29.680 But let's talk business real quick. You found us a 2725 02:07:29.880 --> 02:07:32.159 troubleshooter network. I got to take a break after this, 2726 02:07:32.319 --> 02:07:35.800 but this was crazy. When you think a workman's comp 2727 02:07:35.920 --> 02:07:39.880 almost anybody listening we've heard it Pinnacle. In fact, I 2728 02:07:40.000 --> 02:07:42.960 basically thought they were state run for a while, because 2729 02:07:43.000 --> 02:07:45.640 Pinnacle is huge for a workman's comp. In fact, i'd 2730 02:07:45.640 --> 02:07:48.199 say they probably do what do you think, Brian, eighty 2731 02:07:48.239 --> 02:07:50.000 percent of the business in Colorado. 2732 02:07:50.079 --> 02:07:54.159 Well, and they were quasi state run. I didn't know that. 2733 02:07:54.279 --> 02:07:57.239 Yeah there was a state run that. It's a tax 2734 02:07:57.279 --> 02:07:59.720 issue that they had. Yeah, okay, I didn't know that. 2735 02:08:00.119 --> 02:08:02.479 So but the bottom line was I always thought they'd 2736 02:08:02.520 --> 02:08:04.680 be the cheapest because they were the biggest, and you 2737 02:08:04.840 --> 02:08:08.399 found us. I forget who it was because we don't 2738 02:08:08.399 --> 02:08:11.039 have employees anymore, but it was who. 2739 02:08:10.840 --> 02:08:12.920 The hell was it was? It hart Hartford. 2740 02:08:13.199 --> 02:08:16.680 It was Hartford, so it was way cheaper. But then 2741 02:08:16.880 --> 02:08:19.600 I learned a lot about codes. And what I mean 2742 02:08:19.640 --> 02:08:22.439 by that is, if you have an office building in 2743 02:08:22.520 --> 02:08:27.439 employees that are whatever, salespeople and they stay in the office, 2744 02:08:27.760 --> 02:08:31.239 your workmen's comp has a certain code to that industry, 2745 02:08:31.880 --> 02:08:35.600 and Pinnacle could very well be the cheapest by far 2746 02:08:36.039 --> 02:08:38.640 for that industry. But then if you go over to 2747 02:08:38.720 --> 02:08:41.479 something like my Goodyear stores back in the day or 2748 02:08:41.520 --> 02:08:45.199 my computer stores back in the day, Hartford. 2749 02:08:45.039 --> 02:08:47.039 Might be cheaper than Pinnacle. 2750 02:08:47.399 --> 02:08:51.399 So it's really code driven professional versus like a blue 2751 02:08:51.399 --> 02:08:55.079 collar type thing. I mean, it's kind of remarkable. If 2752 02:08:55.079 --> 02:08:57.399 you have a bunch of accountants working for you, it 2753 02:08:57.399 --> 02:08:59.239 could be way cheaper to go through Pinnacle. 2754 02:08:59.439 --> 02:09:02.239 But if you have a bunch of technicians. 2755 02:09:01.800 --> 02:09:04.439 Or car repair people, it might be cheapers or whatever. 2756 02:09:04.479 --> 02:09:07.159 It might be roofers, those kinds of things. Yeah, you 2757 02:09:07.199 --> 02:09:09.560 got to find you got to be It really matters 2758 02:09:09.560 --> 02:09:11.760 of what that class code is it really does? 2759 02:09:11.880 --> 02:09:16.439 And then like a company like Excel Roofing, great company, 2760 02:09:16.479 --> 02:09:19.359 they did my roof What typically does it roofer. 2761 02:09:19.039 --> 02:09:22.239 Have for insurance? Well, yeah, I mean workers compets, you know. 2762 02:09:22.319 --> 02:09:24.680 I mean more or less for like liability, what is 2763 02:09:24.720 --> 02:09:28.399 that called? In my world in it was called garage keeper. 2764 02:09:28.439 --> 02:09:31.039 Oh yeah, no, you're just talking about a general liability. 2765 02:09:31.560 --> 02:09:33.760 And then there's a professional element. So if they make 2766 02:09:33.840 --> 02:09:37.239 mistakes and you want none of them have to carry this. 2767 02:09:37.399 --> 02:09:41.279 But if they want to provide insurance to protect their 2768 02:09:41.399 --> 02:09:45.279 work like what they do, that's that's a professional liability. 2769 02:09:44.800 --> 02:09:47.079 And they can add their subs onto their policies so 2770 02:09:47.159 --> 02:09:49.960 you know you're protected. So if someone does come, we're 2771 02:09:49.960 --> 02:09:52.159 going to have hail season here. And I know like 2772 02:09:52.279 --> 02:09:56.880 Excel gives every customer everything. Anybody at that house is 2773 02:09:57.640 --> 02:10:00.760 insured one hundred percent if you're dealing with Excel Roofing. 2774 02:10:01.000 --> 02:10:02.720 But if you're not dealing with them, and it's. 2775 02:10:02.720 --> 02:10:06.239 Joe Blow knocking on your door after a healstorm, what 2776 02:10:06.359 --> 02:10:09.960 should people ask for? Like prove to me you have coverage, 2777 02:10:10.279 --> 02:10:12.520 but you also want to make sure the subs have. 2778 02:10:12.760 --> 02:10:13.760 Go with a sure thing. 2779 02:10:13.880 --> 02:10:17.199 Denver's Best Roofer Excel Roofing dot com. You don't pay 2780 02:10:17.199 --> 02:10:23.279 a cent until you're content. Time for an insurance check 2781 02:10:23.359 --> 02:10:27.399 up free, no obligation. Comparison call Compass Insurance paying too 2782 02:10:27.479 --> 02:10:30.520 much your coverage at dozens of insurance companies find out 2783 02:10:30.560 --> 02:10:33.079 now three oh three seven seven to one help. You'll 2784 02:10:33.119 --> 02:10:35.880 think you're his only customer when you choose Frank durand 2785 02:10:35.880 --> 02:10:38.319 the real estate Man dot com to list your home 2786 02:10:38.520 --> 02:10:41.680 with Remax Alliance three oh three nine two zero sixteen 2787 02:10:41.760 --> 02:10:53.119 twenty two. 2788 02:10:54.680 --> 02:10:57.560 All right, three oh three seven one three eight two 2789 02:10:57.560 --> 02:11:01.840 five five. Christy, as it take to go to you? 2790 02:11:01.840 --> 02:11:03.960 You've called a few times. You bought a brand new 2791 02:11:04.000 --> 02:11:08.479 Honda CRV and it was making noise. Your conditioner was broke. 2792 02:11:09.319 --> 02:11:11.880 The guys at Honest Accurate for a very good Note 2793 02:11:12.279 --> 02:11:14.680 actually called up the dealer and explained to him what 2794 02:11:14.760 --> 02:11:18.119 was wrong with DAC and the dealer finally found the problem. 2795 02:11:18.159 --> 02:11:20.399 Why they couldn't find it to begin with is beyond me, 2796 02:11:20.520 --> 02:11:26.239 but they got that fixed. Then it's still making noises. 2797 02:11:26.279 --> 02:11:28.560 You're gonna tell me it's still making noises, aren't you? 2798 02:11:29.600 --> 02:11:32.199 Yes, sir, I wanted to take a fresh listen to it. 2799 02:11:32.239 --> 02:11:34.600 And it took about you know, all of five minutes 2800 02:11:34.640 --> 02:11:37.840 to decide. Yes, If Dimitri is still willing, I'd love 2801 02:11:37.880 --> 02:11:39.960 to have him take a listen. And if he's willing 2802 02:11:40.000 --> 02:11:44.039 to maybe test drive another copy of my car, are. 2803 02:11:43.880 --> 02:11:47.199 You gonna come by this Friday on car Day? Yes, sir? 2804 02:11:47.479 --> 02:11:49.279 All right, well, let's just get it set up. 2805 02:11:49.359 --> 02:11:52.039 Simple as that. Let's get it set up. Hold on, 2806 02:11:52.199 --> 02:11:54.880 Kelly will give you all the details. And I'm not 2807 02:11:54.920 --> 02:11:57.760 going to be labor that one. Are you going to 2808 02:11:57.800 --> 02:11:59.319 be able to go test drive another one? 2809 02:11:59.560 --> 02:11:59.680 Uh? 2810 02:11:59.760 --> 02:12:02.359 Yeah, absolutely. I'll start with Christy's car and we'll see 2811 02:12:02.359 --> 02:12:04.479 how that goes. And Christy, I assume you have a 2812 02:12:04.479 --> 02:12:07.319 safe driving record and your car doesn't smell funny or anything. 2813 02:12:07.560 --> 02:12:10.800 Yeah, yes, sir, it's all good. And if you tell 2814 02:12:10.840 --> 02:12:14.279 me that you think the car is normal, even though 2815 02:12:14.279 --> 02:12:16.720 I drove another one that I thought made no noises, 2816 02:12:17.479 --> 02:12:21.000 I will probably, you know, procede one direction and if you. 2817 02:12:21.119 --> 02:12:24.880 What direction noise canceling headphones? Where would you go from there? 2818 02:12:25.079 --> 02:12:27.920 Let's say let's say he really does think it's all normal. 2819 02:12:28.159 --> 02:12:30.359 How I know it drives you crazy? So what would 2820 02:12:30.359 --> 02:12:30.640 you do? 2821 02:12:32.520 --> 02:12:34.720 I am going to have to do something with it. 2822 02:12:34.880 --> 02:12:37.439 I'll either try to get someone to swap it out 2823 02:12:37.479 --> 02:12:40.199 for a gas engine or I mean not in my car, 2824 02:12:40.279 --> 02:12:43.199 but maybe a trade. I know it'll probably take a 2825 02:12:43.319 --> 02:12:48.359 hit and financially. Another option was we kind of had 2826 02:12:48.359 --> 02:12:52.119 an RV in our future, a small like van based RV, 2827 02:12:52.920 --> 02:12:56.640 that camper van that if someone wanted to trade this 2828 02:12:56.800 --> 02:12:59.119 car for a camper van, you. 2829 02:12:59.079 --> 02:13:00.399 Know I would just got it. 2830 02:13:00.399 --> 02:13:01.319 You're open to anything. 2831 02:13:01.359 --> 02:13:03.800 You just can't stand the noise now, you know she 2832 02:13:04.000 --> 02:13:06.399 has had problem where noises driver crazy. 2833 02:13:06.800 --> 02:13:09.880 Yeah, I mean I won't let that cloud my judgment. Now, 2834 02:13:09.920 --> 02:13:12.760 of course I'll still go for a ride in the car, 2835 02:13:12.960 --> 02:13:14.359 you know, from a fresh person. 2836 02:13:14.439 --> 02:13:16.359 I went out and smelled it. I went out and 2837 02:13:16.399 --> 02:13:19.920 smelled a couch one time. So you listening for a 2838 02:13:19.960 --> 02:13:22.479 noise in a brand new car is nothing. I went 2839 02:13:22.520 --> 02:13:25.840 out to a house. Guy called in and his wife. 2840 02:13:25.920 --> 02:13:30.279 Both of them had a brand new couch from Lazy Boy. 2841 02:13:30.479 --> 02:13:33.159 Brand new is They probably had it well, probably a month, 2842 02:13:34.159 --> 02:13:37.479 and they said it's the worst smelling couch they ever had. 2843 02:13:37.800 --> 02:13:38.800 What did it smell like? 2844 02:13:39.239 --> 02:13:41.159 I went out there. It smelled like a new couch. 2845 02:13:41.239 --> 02:13:42.600 You know how people say a new car. 2846 02:13:42.680 --> 02:13:44.880 Oh yeah, it's like the plastic glue smell. 2847 02:13:45.079 --> 02:13:48.359 It smelled like a new couch. Yeah, and I got 2848 02:13:48.399 --> 02:13:51.159 him a new couch. Oh, I got lazy boy to 2849 02:13:51.199 --> 02:13:51.800 take it back. 2850 02:13:51.800 --> 02:13:52.439 But I mean. 2851 02:13:54.039 --> 02:13:56.840 I would assume the new one smelled the same. But 2852 02:13:57.000 --> 02:13:58.279 I went out and smelled a couch. 2853 02:13:58.319 --> 02:14:03.000 So there. Well, I something top this. Gott it the 2854 02:14:03.039 --> 02:14:03.960 mattress one time? 2855 02:14:04.239 --> 02:14:06.359 Did we send you out to smell a mattress? 2856 02:14:06.880 --> 02:14:08.279 It was a lazy boy thing? 2857 02:14:08.319 --> 02:14:08.640 I think? 2858 02:14:08.800 --> 02:14:11.520 Was it a lazy boy we sent you out to 2859 02:14:11.600 --> 02:14:12.479 smell a mattress? 2860 02:14:12.760 --> 02:14:13.039 Yes? 2861 02:14:13.159 --> 02:14:14.560 Okay, more after this. 2862 02:14:16.279 --> 02:14:19.520 Go with a sure thing Denver's best roofer Excel Roofing 2863 02:14:19.640 --> 02:14:20.239 dot com. 2864 02:14:20.279 --> 02:14:22.279 You don't pay a cent until you're content. 2865 02:14:25.640 --> 02:14:28.840 Time for an insurance check up free, no obligation comparison 2866 02:14:28.960 --> 02:14:32.560 call Compass Insurance. Pay too much your coverage at dozens 2867 02:14:32.560 --> 02:14:35.279 of insurance companies find out now three oh three seven 2868 02:14:35.399 --> 02:14:38.199 seven to one help. You'll think you're his only customer 2869 02:14:38.239 --> 02:14:40.479 when you choose Frank Durand the real estate Man dot 2870 02:14:40.520 --> 02:14:43.800 com to list your home with Remax Alliance three oh 2871 02:14:43.880 --> 02:14:45.960 three nine two zero sixteen twenty two. 2872 02:14:50.600 --> 02:14:53.640 All right three oh three seven one three eight two 2873 02:14:53.720 --> 02:14:57.159 five five. Brian Burns the Insurance Help Center, I do 2874 02:14:57.279 --> 02:14:59.000 want to just get this through to people. 2875 02:14:59.640 --> 02:15:02.239 Do we have any other examples real quick, Brian. 2876 02:15:02.359 --> 02:15:04.960 Well, we just had one call in after our last 2877 02:15:04.960 --> 02:15:07.680 discussion where they realize they look at their deck page 2878 02:15:07.720 --> 02:15:09.760 and found out that, sure enough, they had two hundred 2879 02:15:09.760 --> 02:15:12.640 and fifty thousand of liability. Yeah, twenty five thousand of 2880 02:15:12.720 --> 02:15:14.560 uninsured motorists, and people. 2881 02:15:14.359 --> 02:15:17.640 That uninsured motorists. I don't care if you call Compass 2882 02:15:17.680 --> 02:15:20.960 insurance up, you call everybody. That's the money you get 2883 02:15:21.000 --> 02:15:24.800 if someone hits you that doesn't have good coverage. 2884 02:15:24.920 --> 02:15:26.640 In other words, they're broke. 2885 02:15:27.039 --> 02:15:29.960 All they have is whatever that insurance policy is, which 2886 02:15:30.039 --> 02:15:33.600 is most likely twenty five thousand or zero, And all 2887 02:15:33.600 --> 02:15:36.079 of a sudden you've got two broken legs and you 2888 02:15:36.119 --> 02:15:38.600 can't work for a year. The only money you're going 2889 02:15:38.680 --> 02:15:41.079 to get is out of your own coverage. So to 2890 02:15:41.239 --> 02:15:44.600 protect everybody else and not protect yourself, And that coverage 2891 02:15:44.680 --> 02:15:46.199 isn't that expensive in general? 2892 02:15:46.319 --> 02:15:47.279 Isn't in general? It's not. 2893 02:15:47.560 --> 02:15:50.800 Nope, And you can't have higher uninsured motorists than you 2894 02:15:50.920 --> 02:15:53.159 have bodily injury. In other words, the state's got to 2895 02:15:53.199 --> 02:15:56.000 at you. The most you can get is matching. But 2896 02:15:56.199 --> 02:15:59.520 a lot of times people ensure themselves for uninsured motors 2897 02:15:59.640 --> 02:16:01.159 less than they're insuring other people. 2898 02:16:01.239 --> 02:16:04.279 What's the other biggest mistake you see, either with homeowners 2899 02:16:04.680 --> 02:16:07.840 or auto We've talked about this a lot, like if 2900 02:16:07.880 --> 02:16:10.119 you don't tell them you got a certain kind of dog, 2901 02:16:10.439 --> 02:16:14.079 or a trampoline or a swimming pool. Now, generally speaking, 2902 02:16:14.119 --> 02:16:17.760 if something else happens, like the dog didn't bite anybody, 2903 02:16:17.760 --> 02:16:18.960 but the house burned down. 2904 02:16:19.119 --> 02:16:20.199 You'll still have coverage. 2905 02:16:20.239 --> 02:16:23.520 That's right, yeah, But in general, if you do lie 2906 02:16:23.560 --> 02:16:26.079 about something, I mean, give me some ideas of what 2907 02:16:26.239 --> 02:16:28.920 people No one should lie about anything on the insurance 2908 02:16:28.920 --> 02:16:31.640 app but give me some ideas of things people don't 2909 02:16:31.680 --> 02:16:32.120 think about. 2910 02:16:32.239 --> 02:16:35.719 Well, really, we had this happen. You called me about 2911 02:16:35.719 --> 02:16:38.799 this the other day. But someone that has a home 2912 02:16:39.079 --> 02:16:41.120 and ends up renting it out, they're not doing that. 2913 02:16:42.200 --> 02:16:45.159 Poor woman is now getting sued in her insurance company. 2914 02:16:45.280 --> 02:16:48.879 Unlike if someone is suing me because they got hurt 2915 02:16:48.920 --> 02:16:52.360 in my house, my insurance company they have to protect 2916 02:16:52.399 --> 02:16:55.159 me literally or they have to pay out every nickel 2917 02:16:55.200 --> 02:16:57.760 I have in insurance. So the bottom line is this 2918 02:16:57.799 --> 02:17:01.920 woman had no coverage because thing after a husband died, 2919 02:17:02.000 --> 02:17:04.920 started renting out the house. Never thought to change coverage. 2920 02:17:05.200 --> 02:17:07.280 So if you have Reynolds, you better have the right 2921 02:17:07.319 --> 02:17:10.440 insurance because you have no coverage. And if your renters 2922 02:17:10.479 --> 02:17:13.239 have a problem in your house, they can come directly 2923 02:17:13.280 --> 02:17:14.959 after you because there's no coverage. 2924 02:17:15.079 --> 02:17:15.319 Yep. 2925 02:17:15.440 --> 02:17:17.159 And that's the point. And it's not even you're not 2926 02:17:17.200 --> 02:17:19.639 even thinking about it, because it's a totally different type 2927 02:17:19.680 --> 02:17:23.159 of coverage. If your tenant gets injured or tries to 2928 02:17:23.200 --> 02:17:24.840 sue you and you don't have the right coverage, you're 2929 02:17:24.879 --> 02:17:26.120 not gonna You're not gonna have anything. 2930 02:17:26.120 --> 02:17:26.280 There. 2931 02:17:26.319 --> 02:17:28.239 Another one I'll tell you is dirt cheap. Brian and 2932 02:17:28.280 --> 02:17:30.079 I learned the hard way on this. We only had 2933 02:17:30.120 --> 02:17:32.760 state minimum I think of five thousand. On one of 2934 02:17:32.799 --> 02:17:36.559 the accidents someone else hit us. But medpay, medpay doesn't 2935 02:17:36.600 --> 02:17:40.399 matter what happens, doesn't matter who it happens to, or 2936 02:17:40.440 --> 02:17:44.920 what happens in the car. They automatically pay it, automatically 2937 02:17:44.959 --> 02:17:48.159 pay it. And I think the maximum is like twenty 2938 02:17:48.200 --> 02:17:50.959 five thousand for most policies or most carriers. 2939 02:17:51.079 --> 02:17:52.840 There's some carriers they will go higher than that. But 2940 02:17:53.280 --> 02:17:55.239 I will tell you the vast majority of people have 2941 02:17:55.319 --> 02:17:56.440 five thousand, and it's dirt. 2942 02:17:56.440 --> 02:17:59.319 I know they have the limit, and five thousand now 2943 02:17:59.479 --> 02:18:02.040 doesn't get you an X ray in the er five 2944 02:18:02.079 --> 02:18:04.000 thousand you might as well have no insurance. 2945 02:18:04.200 --> 02:18:07.639 Yeah, and medical payments. There is an argument out there 2946 02:18:07.680 --> 02:18:11.319 because it's it's the easiest money to get easier. So 2947 02:18:11.840 --> 02:18:13.920 when you go, you know, to the hospital or you 2948 02:18:13.959 --> 02:18:15.799 go to your doctors, the first thing they're asking is 2949 02:18:15.840 --> 02:18:16.280 this part of. 2950 02:18:16.280 --> 02:18:19.559 The You don't tell them anything. That's a separate conversation. 2951 02:18:19.799 --> 02:18:21.639 But people try to get it. That's all I'm saying. 2952 02:18:21.719 --> 02:18:24.000 They try to get it because there's no questions asked, right, 2953 02:18:24.120 --> 02:18:26.479 But understand, the worst thing you can do is give 2954 02:18:26.479 --> 02:18:29.079 the er that money. The worst thing that money should 2955 02:18:29.079 --> 02:18:33.280 be for Cairo practors. That money should be going for 2956 02:18:33.280 --> 02:18:36.040 for going to care going forward. And that's where you 2957 02:18:36.120 --> 02:18:38.600 hire an attorney to figure out where the money goes. 2958 02:18:38.600 --> 02:18:40.600 But you're right, you walk into the er, they're like, 2959 02:18:41.360 --> 02:18:44.200 they're trying to see that money. Yep, No, they're evil, 2960 02:18:44.239 --> 02:18:44.840 they're evil. 2961 02:18:44.840 --> 02:18:47.360 What are you supposed to do? Refuse to give them 2962 02:18:47.360 --> 02:18:48.000 that information? 2963 02:18:48.120 --> 02:18:50.079 Should just say, hey, I'm in the emergency room, I 2964 02:18:50.079 --> 02:18:51.719 got to get going in. I don't know what kind 2965 02:18:51.719 --> 02:18:54.000 of insurance I have. I mean, you do whatever you 2966 02:18:54.079 --> 02:18:57.440 can to be seen, but don't talk about Medpay my God. 2967 02:18:57.440 --> 02:19:00.879 If you can get away from it, hey listen. Help 2968 02:19:00.920 --> 02:19:03.959 at troubleshooter dot com. Three or three Martino, See you tomorrow.