Speaker 1: Ripped off news need advice.
Speaker 2: So you don't have.
Speaker 3: Come running suscess.
Speaker 4: As we can show, Shooter's gonna help coming man.
Speaker 5: This is the Troubleshooter Show now, Tom Martinez.
Speaker 6: Welcome, Welcome, my friends to the only show of its
Speaker 6: camera here to solve problems, answer questions, take complaints. We
Speaker 6: are here to make your life a little bit better.
Speaker 6: You've been ripped off, maybe a bad contractor a crappy landlord,
Speaker 6: a horrible dennis. You get the idea. That is what
Speaker 6: we deal with day in and day out. To the tune,
Speaker 6: listen to this one. So proud of this number. Three
Speaker 6: hundred million dollars cash merchandise exchange. His refunds directly due
Speaker 6: to this show. Simple as that. So we would love
Speaker 6: to nodch some more money today. I want to hear
Speaker 6: the register. Click click, click, give us call three oh
Speaker 6: three seven one three eight two five five. You got
Speaker 6: any problems out there? We have a list of people
Speaker 6: who refer this dot com as you know, are just
Speaker 6: the best people out there. They help people with problems
Speaker 6: like you. They also go out and do some of
Speaker 6: our dirty work. They'll go out and make sure a
Speaker 6: contractor actually didn't do.
Speaker 1: A good job.
Speaker 6: We get a lot of calls over the years where
Speaker 6: the consumer or the caller, you know, they kind of
Speaker 6: stretch the truth a little bit. But that happens when
Speaker 6: you have a bad experience with the company. Things tend
Speaker 6: to get worse, not better. And that's what we're also
Speaker 6: here to talk about day in and day out. By
Speaker 6: the way, with me today, Brian Burns, Compass Insurance. Hey Brian,
Speaker 6: how are you doing?
Speaker 7: Man?
Speaker 1: Doing good? Thank you?
Speaker 6: You know, I was thinking about insurance in general. Man,
Speaker 6: do we all spend a lot of money on insurance?
Speaker 6: How many I don't know if you know this number
Speaker 6: or not, but how many people don't have a claim
Speaker 6: in your average five year period?
Speaker 2: Oh?
Speaker 1: Man, like ninety percent?
Speaker 8: Oh no, he's not here in Colorado and not here No,
Speaker 8: I definitely not ninety percent. I mean just from the
Speaker 8: influx of people and the renewals coming in, it's it
Speaker 8: seems like it's the abnormality where no one has any
Speaker 8: where someone doesn't have a claim. Really, Yeah, there's that
Speaker 8: many hail claims over the list. Automotive, Yeah, automotive is
Speaker 8: probably less than I'm speaking more from a home insurance standpoint.
Speaker 1: And simply because of hail, wind fire.
Speaker 8: Yeah, well it's almost always hal honestly in Colorado. In Colorado,
Speaker 8: it's like you'll see someone had a new roof put on.
Speaker 8: You'll see in twenty nineteen or twenty twenty one or
Speaker 8: two thousand, you know. I mean, there's just so many
Speaker 8: storms that have hit through the last five years.
Speaker 6: What's the most drastic change you have seen in the
Speaker 6: last seven years, Meaning we've had hail in Colorado forever.
Speaker 6: How come all of a sudden, though, we're getting a
Speaker 6: lot of calls, I'm not getting renewed. I don't remember
Speaker 6: seven years ago getting that. But yet seven years ago
Speaker 6: one of the biggest hailstorms ever in Colorado springs. It
Speaker 6: was like I think the largest at its time at
Speaker 6: topped to billion dollars. But people weren't getting canceled left
Speaker 6: in right. Why all of a sudden are we seeing
Speaker 6: companies pull out of Colorado and companies canceling. Why wasn't
Speaker 6: that happening seven to ten years ago?
Speaker 8: Frequency, So it's no longer having that one big storm
Speaker 8: every few Now it's all the time you're getting I
Speaker 8: mean even last year, there was what five four or
Speaker 8: five storms that were catastrophic not to the level of
Speaker 8: that Colorado springs one necessarily. Yeah, and so it's the
Speaker 8: frequency issue. So now these insurance companies are seeing that
Speaker 8: it's going to be very difficult in their current state
Speaker 8: to be able to make money.
Speaker 6: You were talking auto, and you were saying you were
Speaker 6: really focusing on homes. But when it hal's like that,
Speaker 6: there's got to be auto claims left in.
Speaker 8: Right, Absolutely there is, and there is a lot of
Speaker 8: hail claims on auto.
Speaker 1: Do you get penalized for that?
Speaker 6: If you are let's say you got five grand worth
Speaker 6: of dentless paint repair to be done after a hailstorm.
Speaker 6: If you put that in, do you get penalized for that?
Speaker 6: Because it was an active nature. It's not like you
Speaker 6: caused an accident or hit somebody else or you know,
Speaker 6: ruined your own car driving into a brick. I mean,
Speaker 6: what does that penalize you in Colorado? Because it does
Speaker 6: differ by state. In Colorado, you cannot charge for a comprehensive.
Speaker 1: Loss, So even if you hit a deer.
Speaker 8: So even if you hit a deer, now you can
Speaker 8: be underwritten, like going to a new carrier, if you
Speaker 8: have multiple comprehensive losses.
Speaker 1: I think they might not watch you. They'll just say
Speaker 1: they're not going to write it.
Speaker 6: That's interesting. But yet you can't be penalized for it
Speaker 6: in Colorado. So if it's not your fault, so besides
Speaker 6: like a deer or an animal you hit, and besides
Speaker 6: a hailstorm, I mean pretty much, that would be it.
Speaker 9: Right.
Speaker 1: Well, even a collision loss that is a not at fault.
Speaker 6: Well, so someone hits you, like you're parked in a
Speaker 6: store and you come out, Yes, the front end of
Speaker 6: your car's bash exactly.
Speaker 8: That would be a not at fall taccident and you're
Speaker 8: not going to be charged for it again underwritten.
Speaker 5: So even if you.
Speaker 6: Have one thousand dollars deductible and you have fifteen hundred
Speaker 6: dollars worth of damage to your car, why wouldn't you
Speaker 6: turn it in if you can't be punished for it
Speaker 6: on renewal? Yeah, I mean if five hundred bucks coming
Speaker 6: out of your pocket, no matter how you look at.
Speaker 8: It, other than if you're thinking you want to move
Speaker 8: to another carrier if you have, and even one of
Speaker 8: those is not going to affect you with another carrier.
Speaker 8: But if you have multiple losses, even if they're not
Speaker 8: at falt or they're comprehensive. It depending on the carrier,
Speaker 8: it could limit you if nothing else.
Speaker 6: All right, we're going to talk about savings and under
Speaker 6: insured over insured?
Speaker 1: Is the show? Flows? John? What is going on with
Speaker 1: your HOA John?
Speaker 3: Hey?
Speaker 7: Mark, hey Man, talk to you.
Speaker 1: Nice to talk to you.
Speaker 3: Jay.
Speaker 10: So, Yeah, So I got a letter from my HO
Speaker 10: covenant violation a couple months ago.
Speaker 7: Always violation.
Speaker 10: And I'm like, okay, all right, all right, So it's
Speaker 10: a it's a false accusation.
Speaker 5: What was the.
Speaker 6: Viol What were they claiming you did, whether you did
Speaker 6: it or not? Just playing the stereo too laud what.
Speaker 11: Banging I'm making banging noises late at night. And here's
Speaker 11: the thing, Mark, You know, I work from home.
Speaker 7: I'm an it pro. I work from home.
Speaker 11: I'm at work at night when this is supposedly happens.
Speaker 7: I'm at my computer doing my job.
Speaker 6: Well, what are they saying? What are they guessing it is?
Speaker 6: If I asked, if I asked whoever complained about it?
Speaker 6: What do they what do they think?
Speaker 5: It is?
Speaker 6: Like like you're taking a hammer and hitting something just
Speaker 6: randomly in the middle of the night for no reason.
Speaker 7: That's probably what it is.
Speaker 1: Yeah, how strange?
Speaker 6: As that are these neighbors? Do you know who made
Speaker 6: this allegation.
Speaker 7: Well, here's the thing. I didn't ask. I didn't I
Speaker 7: didn't contact the.
Speaker 11: Management company and ask anything, but I kind of I
Speaker 11: know who it is. It's my it's my downstairs neighbor
Speaker 11: problems with for years.
Speaker 1: Is this a condo or a town home? What is
Speaker 1: this a condo? Downstairs near the condo?
Speaker 3: Mark?
Speaker 7: Okay, it's a condo.
Speaker 1: Keep going.
Speaker 10: So yeah, So I thought, okay, all right, I'll just
Speaker 10: make an effort to be quieter, maybe do the laundry
Speaker 10: earlier or something like that.
Speaker 7: Right, you know, I'll just be a good neighbor.
Speaker 11: And then the other day I got another violation notice
Speaker 11: from our management company. Same thing, banging, making banging noises
Speaker 11: the night. And now there's a fine of two hundred dollars.
Speaker 6: Well that that's crazy, But there's no I mean, is
Speaker 6: there a recording of it? Don't they have any kind
Speaker 6: of evidence or anything.
Speaker 11: Well, you know, in the letter I got, it says,
Speaker 11: you know, I violated the governance and you know I'm
Speaker 11: disrupting the peace and quiet of the of the community.
Speaker 11: And it says the neighbor has a video recording but
Speaker 11: there's nothing about you know, get this marked. There's nothing
Speaker 11: about who, who said it, who the accuser is, what time,
Speaker 11: what date, what it is.
Speaker 1: Were you able to listen to the video or watch
Speaker 1: the video?
Speaker 11: No, no, no, I haven't progressed to that point, and
Speaker 11: I know I probably will not get any video.
Speaker 7: I will not get anything.
Speaker 11: I'm pretty sure the management company won't even tell me
Speaker 11: who my accuser is.
Speaker 1: Well, it's got to be the person below you. I mean,
Speaker 1: who else could it be?
Speaker 6: You said something about washing clothes a little earlier instead
Speaker 6: of later.
Speaker 1: Is it possible?
Speaker 6: I mean, like, you know, I've heard our washer go
Speaker 6: eight before. I mean where it's making noise and things
Speaker 6: bouncing around. Could that have been it?
Speaker 2: You know?
Speaker 7: I think this is.
Speaker 11: More of a neighbor dispute with me and my downstairs neighbors.
Speaker 6: Let's dive into that then a little further. Prior to
Speaker 6: all of this, what happened? How did this become an
Speaker 6: issue between you and the neighbor.
Speaker 11: Well, I've had a problem with this neighbor for years.
Speaker 11: I've had a problem with them with their dogs barking.
Speaker 7: I've had a.
Speaker 11: Problem with them coming home driving drunk. To call the
Speaker 11: police on them, report them, report them for drunk driving the.
Speaker 5: Course parking lot.
Speaker 1: Yeah, I mean this is crazy. I get it. So
Speaker 1: where so where are we at? Now? What's the question?
Speaker 11: Well, the question is is you know I'm at the
Speaker 11: stage here where the letter says, you know, I think
Speaker 11: you know, I have thirty days to pay this two
Speaker 11: hundred dollars or I can request a hearing. And I know,
Speaker 11: I know this isn't going to go well, Mark, And
Speaker 11: I also know that since this is number two, the
Speaker 11: second time this has happened, I have a feeling that
Speaker 11: this is going to start happening on a regular basis. Mark,
Speaker 11: this is going to be where my neighbor has figured
Speaker 11: out like that HUA management company to you know, find
Speaker 11: me two hundred or plus dollar or even more because
Speaker 11: the fines go up.
Speaker 10: Well, I would definitely talk about it.
Speaker 1: I would definitely ask for the hearing.
Speaker 7: Things increasing, and.
Speaker 6: I would definitely ask for the hearing. I mean, I
Speaker 6: wouldn't even think twice about it. And honestly, is there
Speaker 6: dog still barking? Is there anything that you can complain
Speaker 6: and retaliate? And I'm not saying that's the best idea,
Speaker 6: but my god, it's already it's already elevated to the
Speaker 6: level we're talking about. It's crazy. You know what I
Speaker 6: would like to do, Hey, Kelly, let's get Brad O'Brien on.
Speaker 6: I want to ask him something that has to do
Speaker 6: with ho a's he's our attorney for anything real estate.
Speaker 1: Shout, I'm going to put you on hold, hold tight.
Speaker 6: I want to ask Brad a couple questions, but I
Speaker 6: mean the hearing would be the first thing. Three oh
Speaker 6: three seven one, three eight two five five. I want
Speaker 6: to hear from you. We got three lines open three
Speaker 6: zero three Martino.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance. Pay too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three, seven
Speaker 12: to seven to one. Help you'll I think you're his
Speaker 12: only customer when you choose Frank durand the real estate
Speaker 12: man dot com to list your home with Remax Alliance
Speaker 12: three all three nine two zero sixteen twenty two.
Speaker 6: All right, welcome, By the way, Dmitri just walked in.
Speaker 6: We also have Deputy Chopper, Deputy Bow. Everybody here is
Speaker 6: biting what does that say? Chomping on the bit to
Speaker 6: help you to solve your problems, answer your questions. We
Speaker 6: do have two lines open. I got one of our
Speaker 6: experts up at referral list dot com if you're new
Speaker 6: to the show. We have all kinds of attorneys, contractors,
Speaker 6: flooring people, you pretty much name it. We have them
Speaker 6: on referral list dot com and they're always there to
Speaker 6: help us, and this is one of them right here.
Speaker 6: In fact, Brad O'Brien has been our real estate attorney
Speaker 6: for many many years. He comes into studio with us
Speaker 6: and he's the go to guy, whether you're a landlord
Speaker 6: dealing with a bad tenant that maybe you need help
Speaker 6: with an eviction or just writing a lease, or a
Speaker 6: couple buying a house together is a great example, but
Speaker 6: they're not married. I mean, there's certain things you might
Speaker 6: not think about. And then of course we talked about
Speaker 6: this at length, Brad. These these new home contracts like
Speaker 6: Lenar Holmes or KB, how different they are than the
Speaker 6: standard Colorado real estate contract. And you could even have
Speaker 6: a house being built for you that you thinks a
Speaker 6: half a million, and then come closing time they actually
Speaker 6: want to charge you another one hundred thousand. So you
Speaker 6: need a good attorney to look over all these. But
Speaker 6: I got a question for you that I'm going to
Speaker 6: bring John Upsey if he has any questions. But when
Speaker 6: it comes to an HOA, John lives in a condominium
Speaker 6: and the people below him, they just have not been
Speaker 6: getting along. John's called the cops on them. I assume
Speaker 6: they've called the cops on him. He's complained about their
Speaker 6: dog barking. They're complaining he's too loud at night, making
Speaker 6: like hammering sounds. I mean, it's like the hat feel
Speaker 6: in the McCoy's man. It doesn't sound like a good deal.
Speaker 6: I don't think it's going to be fixed. But now
Speaker 6: the HOA sent him a letter. In the first first letter,
Speaker 6: John basically was warning you that you might get a
Speaker 6: fine if you're still breaking the noise ordinance at night.
Speaker 6: Right then you received a second letter with a basically
Speaker 6: a bill for two hundred dollars.
Speaker 1: Do I have that basically correct?
Speaker 7: That's exactly right, Mark.
Speaker 6: So Brad, let me ask you something, how does that
Speaker 6: even work? In other words, if someone accuses me of
Speaker 6: something like a cop and I realize this isn't criminal,
Speaker 6: but I generally have my time in court, I get
Speaker 6: to state my story. And John said he could go
Speaker 6: to a hearing, But do they have to allow him
Speaker 6: if this guy's got like video evidence or audio evidence
Speaker 6: or something.
Speaker 1: I mean, how do these hearings go?
Speaker 6: How does an HOA have the power just to say
Speaker 6: give us two hundred dollars and there's no evidence.
Speaker 1: So just give me some thoughts on that.
Speaker 13: In general, brad Well, many ha residential huas have a
Speaker 13: no nuisance covenant. That's say, one member or tenant can
Speaker 13: not cause nuisance against another tenant. So it's very subjective.
Speaker 13: And you reckon to a noise ordinance, that's that's highly
Speaker 13: it's pretty rare.
Speaker 6: Well, let me take that back. It wasn't actually an ordinance.
Speaker 6: It was a noise complaint. Basically, they were saying he
Speaker 6: was making hammering sounds or some kind of sounds late
Speaker 6: at night. Not not necessarily an ordinance.
Speaker 13: Yeah, very few municipalities actually have something on the books.
Speaker 9: To see this.
Speaker 5: This number of deaths understood.
Speaker 13: So if you have something like that, that's actually very
Speaker 13: helpful because that gives you an objective measures of measure
Speaker 13: of measuring the noise. Yeah, but usually that's not the case.
Speaker 13: Usually it's very subjective, you know. And how much is
Speaker 13: too much dog barking or yelling or walking with heart
Speaker 13: with you know, hard shoes on a hardwood floor.
Speaker 1: Yeah, that's but but that's what I mean.
Speaker 6: So what do you when you have two neighbors And
Speaker 6: I'm not necessarily talking about these guys, but in general
Speaker 6: we get these call all the time. They're just going
Speaker 6: at it. I mean, they don't like each other. It's
Speaker 6: probably not going to be fixed. But all of a
Speaker 6: sudden one of them's getting fined. It's like what does
Speaker 6: he do? Step the pace up and start saying they're
Speaker 6: dogs barking too much?
Speaker 1: Or I mean like, really, what are you supposed to
Speaker 1: do in.
Speaker 6: A case like this when both sides are going at
Speaker 6: each other?
Speaker 13: Well, yeah, colrad A law gives a lot of deference
Speaker 13: to hoa's to self manage themselves. And so if if
Speaker 13: a HOA declaration gives the board the right to levy
Speaker 13: fines for nuisance and excessive noise, then they have that right.
Speaker 13: And if you don't like it, you know, you.
Speaker 6: Should have you should have checked the h You should
Speaker 6: have checked the covenance before you moved in.
Speaker 5: Basically, yeah, but follow.
Speaker 13: The appeal the pill procedures within the HOA itself. Ultimately,
Speaker 13: if you're not satis with that, you'd have to go
Speaker 13: to the court to try to overturn. But then that's
Speaker 13: very expensive.
Speaker 6: Well, for a two hundred dollars fine, that's crazy, But
Speaker 6: I'll be honest, Brad, I didn't even know that was
Speaker 6: a possible remedy. So you're saying, if he goes to
Speaker 6: the hearing and they doesn't go the way he wants,
Speaker 6: they don't allow him to see any evidence. They basically
Speaker 6: just say, hey, you're paying the moneys and just kind
Speaker 6: of end it there. He can actually bring that to
Speaker 6: what to like, the municipality or the county.
Speaker 13: Yeah, go to court and it basically be an abuse
Speaker 13: of discretion claim that the HUA eleven finds where didn't
Speaker 13: have the right to do it. Interesting in a case
Speaker 13: where the fact didn't support it.
Speaker 6: But it's just out of curiosity, Brad, I understand that's
Speaker 6: crazy for a two hundred dollars fine, that could cost
Speaker 6: a fortune and attorney's feast. But let's pretend money is
Speaker 6: no object when you get to the court steps. Is
Speaker 6: their true discovery at that point where they would have
Speaker 6: to prove that this noise, this noise was actually being
Speaker 6: made by John? Would they have to enter into that evidence?
Speaker 6: Is there actual discovery at that point?
Speaker 13: Court cases do have discovery rights?
Speaker 1: Wow?
Speaker 13: That that type of discovery that would be based on
Speaker 13: somebody's oral testimony that they heard these noises.
Speaker 3: Yeah, you wouldn't.
Speaker 13: You wouldn't ahead until you're out of hearing your trial.
Speaker 1: Yeah, that's what I mean. John, Do you have any
Speaker 1: questions for Brad?
Speaker 6: And honestly, I never let you really ask the question
Speaker 6: you had because I just started thinking about an old
Speaker 6: neighbor that I had that we just couldn't until we moved.
Speaker 6: Nothing ever got fixed on it. So what questions do
Speaker 6: you have for Brad?
Speaker 3: Well Mark?
Speaker 7: And Brad?
Speaker 11: You know, I can see we have a hoa that
Speaker 11: likes to make up their own rules and do their
Speaker 11: own enforcements, even things that aren't in the covenants or
Speaker 11: art in policies. So I can see hearing not going
Speaker 11: well for me, and then I can see this neighbor
Speaker 11: now that they've they've caused me pain, I can see
Speaker 11: them starting you know every month with this complaint.
Speaker 1: Well I can see it too, I mean, or.
Speaker 7: Even every week every week.
Speaker 6: Well, I mean, I don't know, like I mean, you're
Speaker 6: asking me to put my shrink hat on. I mean,
Speaker 6: I ended up moving. I'll tell you here. I'll give
Speaker 6: you a real quick story.
Speaker 1: This lady.
Speaker 6: And when you said you're washing or drying machine, you
Speaker 6: started doing clothes a little earlier. They would hate when
Speaker 6: we got home from work and did a load of
Speaker 6: wash anytime like after eight o'clock. They'd go absolutely crazy.
Speaker 6: They started complaining to people and it was just nuts.
Speaker 6: It got really bad. At one point, you know, I
Speaker 6: think her and her and myself were throwing chicken wings
Speaker 6: at each other from the balcony and you think I'm
Speaker 6: you think I'm lying.
Speaker 1: I'm not lying.
Speaker 6: That's how bad it got. But then but then she
Speaker 6: had a baby, and the baby was the most colicky
Speaker 6: thing I've ever seen in my life. And this thing
Speaker 6: cried all the time, and I would complain all the time,
Speaker 6: and it just became this thing back and forth, and
Speaker 6: until we literally moved and bought our first house, it
Speaker 6: wasn't going to end. So John, I would say, you
Speaker 6: probably got to move or you gotta start getting really mean.
Speaker 5: Well, here's a.
Speaker 7: Question for bred how about small plan?
Speaker 1: What would you sue him for?
Speaker 13: Brad Well, scot Clan's court is a place where you
Speaker 13: go to get a little bit of money up to
Speaker 13: seventy five hundred dollars. This is not something that can
Speaker 13: be resolve money. This is something that has resolved with
Speaker 13: an injunctive order and that's something that truly it would
Speaker 13: take a county court, district court or judge to issue.
Speaker 6: Did you ever try just to bury the hatchet? Go
Speaker 6: down there and knock on the door and bring him
Speaker 6: like a pie or something.
Speaker 1: I'm being serious as hell, John, this.
Speaker 11: Neighbor mark, you know, like I said, the drunk driving,
Speaker 11: the dog barking.
Speaker 1: Yeah, yeah, I know.
Speaker 6: But now but now it's starting to cost you money
Speaker 6: and it's costing you time.
Speaker 10: Well, how about if I put okay, let me off
Speaker 10: for this years ago?
Speaker 6: How about if I put one of our deputies on it.
Speaker 6: How about if I put somebody on it like Scott.
Speaker 6: He's got a great demeanor for something like this, to
Speaker 6: see if we can't work something out to where you
Speaker 6: guys aren't always on the offensive. Sure, I love that idea.
Speaker 6: Hold on, I'm gonna put you on hold. Hey, hey,
Speaker 6: Brad O'Brien. Stuff like this is really tough, right, I
Speaker 6: mean everybody, generally, most people in life get a bad neighbor.
Speaker 6: This guy's got a bad neighbor. I'm sure that neighbor
Speaker 6: thinks he's got a bad neighbor. She's got a bad neighbor.
Speaker 6: But I mean, really, there's not much you're gonna do
Speaker 6: about a situation like this. Hopefully I can have Scott
Speaker 6: call up and try to make the peace.
Speaker 1: What do you think of that idea?
Speaker 13: Yeah, this has more of a practical resolution rather than
Speaker 13: a court resolution. Yeah, the courts really are.
Speaker 14: And also, people.
Speaker 13: Don't in an apartment building or condo building don't have
Speaker 13: a right to absolute silence. There's an impride.
Speaker 1: It's impossible, there's a presumption.
Speaker 13: That there's gonna be some noises, abies and people having
Speaker 13: dinner and walking around. It's really when it's successive, like
Speaker 13: something blasting their stereo.
Speaker 5: Here's what I love.
Speaker 13: You can probably do something about it.
Speaker 5: I love this.
Speaker 6: I love that Hopefully Scott can work this out between
Speaker 6: these two so it doesn't go any further.
Speaker 1: And John, don't forget John. I know you're listening.
Speaker 6: Make sure you leave your information for Scott so he
Speaker 6: can start digging into how he wants to.
Speaker 1: Move forward with this. But you do have the hearing
Speaker 1: coming up.
Speaker 6: You might very well win this hearing if there's not
Speaker 6: like crazy evidence or something.
Speaker 5: It's just crazy.
Speaker 6: And when I was at the hearing, I would tell
Speaker 6: them I'd be like, I've seen this guy driving drunk.
Speaker 1: I've seen this. I've seen that.
Speaker 6: Although that might not be the best idea now that
Speaker 6: we're trying to work it out in a different way,
Speaker 6: but you might say, hey, this isn't our first rodeo together.
Speaker 1: We've both been this way.
Speaker 6: I'm trying to reach out to him and come to
Speaker 6: some kind of amends with them, but let's go from there.
Speaker 6: Brad O'Brien, I appreciate it as always, And I'm telling
Speaker 6: you landlords out there in Colorado, if you have not
Speaker 6: updated your lease in a long time, even meaning two
Speaker 6: or three years, so many rules have changed, you better
Speaker 6: make sure you got something that actually is within the law.
Speaker 6: You better call up Brad. He can help you with that.
Speaker 6: Seven two zero three seventy seventy three eighty eight. Brad O'Brien,
Speaker 6: O ls law dot com. Kenny's got an issue with
Speaker 6: a with a service auto shop. We're gonna dive into that,
Speaker 6: Deputy Scott, go get John's information. I really get on
Speaker 6: the mic there. You think you're gonna be good at this.
Speaker 6: I want you to reach out to the neighbor and say,
Speaker 6: how do we make peace here?
Speaker 1: Man?
Speaker 7: Yeah?
Speaker 1: I mean we can definitely look into it.
Speaker 5: Sometimes the hoas are tough, and then if.
Speaker 1: You can't pull it off, I'll give it to Vinnie.
Speaker 12: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three o three seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank Durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: nine two zero sixteen twenty two.
Speaker 6: All right, folks, three oh three seven one three eight
Speaker 6: two five five. Hey, Kelly, make sure we get all
Speaker 6: John's information for Scott. Please three oh three seven one, three, eight, two,
Speaker 6: five five. I want to hear from you you've been
Speaker 6: ripped off or taken advantage of Hey guys, hey Brian
Speaker 6: Brian Burn's Compass insurance. Did you ever have a bad
Speaker 6: neighbor like that? I was telling some bad neighbors stories
Speaker 6: during the break. Unfortunately I have had two in my life.
Speaker 6: I mean generally speaking, we've lived in a lot of homes,
Speaker 6: so you know where we live now.
Speaker 1: I love them. But if you actually experienced a bad neighbor.
Speaker 8: We not necessarily a bad neighbor, but we lived in
Speaker 8: a condo when we first got married. Tough, and yet
Speaker 8: people below and above you and you, Yeah, it's noisy,
Speaker 8: and you hear them, you know, running around, You sear
Speaker 8: kids running around. It a conda's hard because there, especially if.
Speaker 6: You're under Yeah, we were the one over with lady
Speaker 6: and I mean I get it. I mean we were big.
Speaker 6: The washing machine, you know, and dryer makes some noise
Speaker 6: when it's on.
Speaker 1: It's just the way.
Speaker 8: There's nothing you can really do, and so no, I
Speaker 8: mean we didn't like complain about it, but it was noisy.
Speaker 8: We had people above us and it was definitely noisy.
Speaker 6: About that is when her baby was louder than my
Speaker 6: washing machine. You know, everybody was like, oh h was like,
Speaker 6: oh that's different. I'm like, there's nothing different. The noise
Speaker 6: is noise. I mean, it's absurd to say it's different.
Speaker 6: I know there's people out there going it is.
Speaker 1: No, it's not. It's not different.
Speaker 5: Want more annoying.
Speaker 6: The child screaming is more annoying. You ever been on
Speaker 6: a plane with the screaming kid?
Speaker 1: Yes, yeah, it's annoying. As parents, it's.
Speaker 6: Like, my god, Hey, Kenny, what is going on with you?
Speaker 6: Hey Kenny, Ynny? I'm doing good?
Speaker 7: Man?
Speaker 1: How are you doing great? You sound like.
Speaker 6: You're five hundred feet away from Shannon. I don't know
Speaker 6: if you can bring him up a little, but I
Speaker 6: can barely hear him.
Speaker 15: Mark, I have the.
Speaker 9: Phone close to my mouth.
Speaker 1: Now you're good, Go on, man, what's going on?
Speaker 3: Okay?
Speaker 2: So a month ago I took I have a two
Speaker 2: thousand and eight callac Escalade and I had an oil leak,
Speaker 2: and I took it in. I have car Shield, so Cassio.
Speaker 2: I looked on their site and it's a shop they recommended.
Speaker 2: I took it to him. Car Shield took care of everything.
Speaker 2: The shop looked at it and said, okay, it was
Speaker 2: some seals, and they also replaced my transmission. While at wow,
Speaker 2: it's deductible.
Speaker 5: That's awesome.
Speaker 6: How much was it? Take hold on, tell me a
Speaker 6: little bit about it. How much was the deductible? Like
Speaker 6: five hundred one thousand?
Speaker 9: What it was?
Speaker 2: Two hundred dollars deductible?
Speaker 1: Man, you can't beat that.
Speaker 6: And you got a new transmission, and then some like
Speaker 6: seals like maybe an oil pan or something.
Speaker 2: It was it was an upper upper something.
Speaker 9: Sealed and maybe the main locations right.
Speaker 2: And I actually paid additional because there was some heater
Speaker 2: hoses that wasn't covered. But I paid floridose to be replaced.
Speaker 16: No big deal, Hey, out of curiosity?
Speaker 6: How much if you had to pay cash for everything,
Speaker 6: how much was it like five grand or something?
Speaker 2: It would have been like five grand?
Speaker 3: Yes?
Speaker 1: Wow? Okay, So what's going on?
Speaker 2: So I got the car back home end up and
Speaker 2: it's still leaking oil. I took it back today. They
Speaker 2: called me and said, hey, we need to replace two
Speaker 2: more gaskets. Carshield is covering those gaskets, but they want
Speaker 2: to charge me additional deductible. I don't think is right
Speaker 2: because I think they should have called it the first time.
Speaker 6: Well wait, wait, wait, wait, Kenny, Kenny, let me ask
Speaker 6: you something. Is it something different?
Speaker 2: Well it's an oil league is No, it.
Speaker 1: Doesn't matter a car.
Speaker 6: Listen, I'm not My goal in life's not to argue
Speaker 6: with you, but I'm trying to figure something out.
Speaker 2: Good it's it was something.
Speaker 6: It's completely different, right, it's a different seal, a different
Speaker 6: gasket that's leaking oil. Yes, okay, then it's going to
Speaker 6: be a different deductible. Whether the shop should have called
Speaker 6: caught it the first time really doesn't matter. If anything,
Speaker 6: you would blame the shop. I sure wouldn't blame the
Speaker 6: warranty company because the shop never brought it.
Speaker 1: Up to them.
Speaker 6: Did you go to the shop and go, hey, how
Speaker 6: come you didn't see this the first time?
Speaker 1: And here's the other deal. Just going back to my.
Speaker 6: Goodyear days, we did some We did a lot of seals,
Speaker 6: a lot of gaskets, oil pan gaskets, rear mains, all
Speaker 6: kinds of stuff. Some of the problem is this when
Speaker 6: you have like a valve cover gasket leaking, or even
Speaker 6: a rear main leaking or an oil pan, and you're
Speaker 6: driving down the highway that oil just goes everywhere.
Speaker 1: Man.
Speaker 6: You don't know what's leaking and what's not leaking until
Speaker 6: you start fixing them. You don't want to just tell somebody, Hey,
Speaker 6: you know you need a rear maine, you need an
Speaker 6: oil pan seal, you need a valve cover, gasket seal,
Speaker 6: you need an oil change, you need this that. You
Speaker 6: don't want to hit him with everything. So I'm not
Speaker 6: even sure the shop did anything wrong.
Speaker 2: Man, Okay, that's fine. I just wanted to check because,
Speaker 2: like I said, CARSHU was still covering this disrepair, right.
Speaker 2: I was just worried about the second deductible. But what
Speaker 2: you're saying makes sense. Yeah, well it's two hundred dollars.
Speaker 14: I'll take care of it.
Speaker 10: How much is it is understandable?
Speaker 1: How much is the repair.
Speaker 2: The new repair? They replacing an oil pangask.
Speaker 9: In your rear main seal?
Speaker 1: Oh wow?
Speaker 6: Well wait a minute, Wait a minute, wait, I do
Speaker 6: have a question. Then, did you not tell me the
Speaker 6: transmission was replaced?
Speaker 3: Yeah?
Speaker 6: Well wait a second, that rear main I want to
Speaker 6: verify something.
Speaker 1: Hold on, can you get Kevin.
Speaker 6: Colkin or actually, Jeff Vick would be perfect for this
Speaker 6: because he owns a transmission shop. I'm almost positive that
Speaker 6: rear main is replaced when you do that transmission. Hey, Kenny,
Speaker 6: how long ago? How long ago was those initial repairs done?
Speaker 6: The transmission?
Speaker 7: A month?
Speaker 1: A month ago?
Speaker 2: A month, not even a month?
Speaker 1: Hold on a second.
Speaker 6: I want to see if that rear main seal had
Speaker 6: to be done, because that might change my mind. It
Speaker 6: doesn't change my mind on the oil pan, but it
Speaker 6: might on that rear main and the oil pan gasket.
Speaker 6: I would guess is fairly cheap on that, but we'll
Speaker 6: ask Jeff that as well, But that that rear main
Speaker 6: is probably the expensive part. Hold tight, let's take a break.
Speaker 6: Three zero three seven one three eight two five five.
Speaker 6: We've got a couple lines open. I want to hear
Speaker 6: from you. Three oh three Martino, go with a sure
Speaker 6: thing Denver's best roofer Excel roofing dot com.
Speaker 16: You don't pay cent until you're content.
Speaker 12: Time for an insurance check up free no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies.
Speaker 16: Find out now three oh three, seven to seven to one.
Speaker 9: Help.
Speaker 12: You'll think you're his only customer when you choose Frank
Speaker 12: durand the real estate man dot com to list your
Speaker 12: home with Remax Alliance three oh three nine two zero
Speaker 12: sixteen twenty two.
Speaker 6: All right, three oh three seven one three eight two
Speaker 6: five five three oh three Martino, looks like two lines open.
Speaker 6: I'm gonna go up to our expert, Jeff vic Hey, Jeff,
Speaker 6: I got to ask you something a two thousand and
Speaker 6: eight escalade. If you rebuild the transmission on that vehicle,
Speaker 6: are you doing the rear main seal?
Speaker 14: Typically not?
Speaker 3: No?
Speaker 1: H okay, I add it totally wrong? Then what vehicles?
Speaker 6: I mean I always saw when you do a transmission
Speaker 6: you're typically doing the rear main or no.
Speaker 14: No, typically not. I mean, if you see evidence of it,
Speaker 14: you pull a flexplate down and take a look, and
Speaker 14: you'll do the customer favor by changing a while you've
Speaker 14: got the transmission out. Yeah, but as a general rule,
Speaker 14: it's the same old thing.
Speaker 7: You know, if eight.
Speaker 5: Broke, don't fix it if it Yeah.
Speaker 6: So they basically had a transmission done, some other stuff done,
Speaker 6: and then a month later there's still some oil leaks.
Speaker 6: So they're trying to sell them a rear main and
Speaker 6: they're also trying to sell them like I think it
Speaker 6: was an oil pan gasket. And hold on, Kelly, what
Speaker 6: was was that? Kenny on one? Or is it on two?
Speaker 1: Hey? Kenny? Hey, he's on two.
Speaker 6: Hey, Kenny, I was wrong. The rear main wasn't done.
Speaker 6: So yeah, we're right where we started the conversation.
Speaker 9: No, you're good.
Speaker 2: And Carshill covered the seals period.
Speaker 1: Yeah, I know.
Speaker 9: I was just worried about the deductible, which is awesome.
Speaker 1: Hey is Carshield pretty good? Jeff?
Speaker 6: This guy had like a five thousand dollars transmission done,
Speaker 6: they paid forty paid two hundred and fifty dollars deductible
Speaker 6: and now they just did a rear main. This is
Speaker 6: some other shop of course, did a rear main and
Speaker 6: did a either a valve cover oil pan gasket, and
Speaker 6: they covered it again.
Speaker 14: Yeah, they have a short period if you purchased the
Speaker 14: car where they'll stand behind it and do a lot
Speaker 14: of repairs. But they also obviously have the option to
Speaker 14: go the deal, but typically they'll just go forward with
Speaker 14: the repairs. They like the reputation, they want to keep
Speaker 14: it that way.
Speaker 1: Yeah, that's good man.
Speaker 6: It looks like you found one of the good ones
Speaker 6: because a lot of the calls we get Kenny or
Speaker 6: they don't cover anything. So I've got to at least
Speaker 6: give kudos to Carshield. That's a good deal you got.
Speaker 6: You got about seven grand or six grand worth of
Speaker 6: stuff done for five hundred bucks.
Speaker 9: Man. Yeah, I appreciate your time.
Speaker 6: Thank you, guys, I appreciated. Three oh three seven one
Speaker 6: three eight two five five. Jeff vic Kimer Transmission. Here's
Speaker 6: the bottom line. This guy will save you a ton
Speaker 6: and I need a ton of money. If you knew
Speaker 6: to transmission and he rebuilds him right there, he'll give
Speaker 6: you all the different options. Just a great guy. A
Speaker 6: lot of times you might think you need a transmission,
Speaker 6: you bring it over to Kimra Transmissions and Jeff and
Speaker 6: find out you didn't need it, which is probably the
Speaker 6: coolest thing out there. Three oh three seven one three
Speaker 6: eight two five five. So to me, tre guess who
Speaker 6: Trump's talking to right now?
Speaker 5: Guys?
Speaker 6: Do you know does anybody know this is a big flad?
Speaker 6: He's talking to Vladimir?
Speaker 3: HM.
Speaker 6: I wonder how that can you imagine that conversation? And
Speaker 6: I assume all this stuff's recorded. Yeah, it would be
Speaker 6: great if they could replace some of that. But you
Speaker 6: know now that you mentioned it this English.
Speaker 5: I don't know. I don't know either, but I've never
Speaker 5: heard of a conversation that's been recorded between heads of
Speaker 5: state make its way into the media or on the internet.
Speaker 5: Even on the internet. Oh my god.
Speaker 6: There was one with There was one with Trump and
Speaker 6: his first uh administration, and they said it was a
Speaker 6: horrible call. And then finally when they played it for everybody,
Speaker 6: they said it was a perfect call. In fact, that's
Speaker 6: what it was known for. Trump would say it was
Speaker 6: a perfect call, but the Democrats were saying it was like, uh.
Speaker 5: They used that as a basis to impeach him the
Speaker 5: first time. And that was the contents of that call
Speaker 5: where misrepresentative leaked by that boy who was that really
Speaker 5: pudgy colonel who is from the Ukraine, and they released it. Yeah,
Speaker 5: he's the one that leaked it and said it was
Speaker 5: a bad call. Yeah, but they remember Vidman I don't
Speaker 5: vidmun I don't. Yeah, he leaked it to the media.
Speaker 5: So it was another dastardly trick basically.
Speaker 6: Oh yeah, absolutely, So the call turned out to be
Speaker 6: good though.
Speaker 5: Yeah. It was between Trump and Zelensky, oh really yeah,
Speaker 5: and it was it had something to do with the
Speaker 5: potential investigation of the hunter Biden involved.
Speaker 6: You know, he came back with his tail between his
Speaker 6: legs are Yeah, he sure did. I mean, I mean
Speaker 6: he what other choice did he have though? Yeah, We've
Speaker 6: talked about this off air, and I don't want to
Speaker 6: get into this big Ukraine policy. But a lot of
Speaker 6: the area Russia took back. Those people speak Russian. They
Speaker 6: basically consider themselves Russian, Yeah, and want to be Russian.
Speaker 6: I mean, would you acknowledge that?
Speaker 5: Yeah, that's my understanding of it. I mean there is
Speaker 5: that Poinne too.
Speaker 1: It's not like I live there.
Speaker 5: Yeah, I uh, you know, I spent some summers over there,
Speaker 5: and it certainly was it seemed in Ukraine or Russia. Ukraine.
Speaker 5: You know, we had a summer home.
Speaker 1: I did not know that. Yeah, what region or where?
Speaker 1: Uh you know, I don't remember.
Speaker 5: You know, there's there are thousands of little villages there,
Speaker 5: got it. Yeah, I mean literally, so you were a
Speaker 5: little tight. Yeah, and I wouldn't even recognize the name
Speaker 5: of that village. But it was in the woods, and
Speaker 5: it was a beautiful green, you know, green place full
Speaker 5: of lakes and rivers and animals.
Speaker 6: And they have so many natural resources. It looks like
Speaker 6: basically a gold mine over there.
Speaker 3: Yeah.
Speaker 6: I mean they have the lithium or whatever it is
Speaker 6: for batteries and stuff to make chips, and I mean.
Speaker 5: It's tons of energy, tons of forests.
Speaker 6: And I think that's probably the main reason Russia wanted it.
Speaker 6: I mean, I'm not sure about that, but yeah.
Speaker 5: Well, you know that whole part of the world is
Speaker 5: called the bread basket of Europe. Yeah right, I mean
Speaker 5: that's it's one of the most agriculturally valuable lands in
Speaker 5: the world.
Speaker 6: All right, people three oh three seven one, three eight
Speaker 6: two five five you've been ripped off or taken advantage of.
Speaker 1: This is the troubleshooter Network.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 12: Leave time for an insurance check up free no obligation
Speaker 12: comparison call Compass Insurance paying too much your coverage at
Speaker 12: dozens of insurance companies find out now three oh three
Speaker 12: seven seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine, two zero sixteen twenty two.
Speaker 4: Rip you need you don't have, runs, can shoot us
Speaker 4: gonna help? Come man, this is.
Speaker 1: The Troubleshooter Show.
Speaker 6: No Tom Martinez, Welcome, welcomes to the only show that's kind.
Speaker 6: We're here to solve problems, answer questions, take your complaints.
Speaker 1: We got lines open for the first time.
Speaker 6: If you want to get through to us and try
Speaker 6: to get some of your money recouped for He'd love
Speaker 6: to hear from you. Could be an automotive problem, it
Speaker 6: could be a contractor problem. Any issue you got three
Speaker 6: zero three seven one three eight two five five. Now
Speaker 6: it's time for education section. You're ready for this. Brian
Speaker 6: Burns Compass insurance. Listen, you save us so much money
Speaker 6: each year by shopping our stuff. And it's really amazing
Speaker 6: to me how insurance changes over anybody's lifetime.
Speaker 1: And here's what I mean.
Speaker 6: As our kids were getting close to sixteen and getting
Speaker 6: their license, you took us out of Safeco or whomever
Speaker 6: we hadn't put us with Progressive.
Speaker 1: As the kids got older.
Speaker 6: Into their twenties and that new driver stigma was gone,
Speaker 6: you moved us into a different one.
Speaker 1: When people go through different stages, of life.
Speaker 6: It is absolutely amazing how insurance can change.
Speaker 1: Yeah.
Speaker 8: You know a perfect example of this. My daughter just
Speaker 8: got married and so we split them off onto their
Speaker 8: own because they moved out of the house and they have,
Speaker 8: you know, their own vehicles, and so I worked on
Speaker 8: quotes to just see where we're going to put them,
Speaker 8: and we ended up with a carrier called Travelers Insurance
Speaker 8: for them.
Speaker 1: That's a big one.
Speaker 8: Yeah, And but just to give you an idea, the
Speaker 8: price differed from from Travelers up to the highest carrier.
Speaker 8: It was triple the cost, triple triple, and nothing was different.
Speaker 1: I entered everything, I.
Speaker 6: Did same exact insurance, exact insurance. So it just tells
Speaker 6: you how. And they're not even high risk, right.
Speaker 8: Also, no tickets, no act for twenty five. No, she's okay,
Speaker 8: twenty one. Yeah, they're young.
Speaker 6: Okay, So I mean that's still kind of a stigma.
Speaker 6: But yeah, it's crazy that three times.
Speaker 8: Yeah, but to your point, it's some carriers and you're
Speaker 8: under twenty five, is it's just way more expensive than
Speaker 8: what other carriers are.
Speaker 1: God, that's crazy. Well, here's one for us.
Speaker 6: And we dealt with our house because we're in the woods, right,
Speaker 6: Some companies won't touch us. Yep, period won't touch us.
Speaker 6: Some companies, like I think it was State Farm that
Speaker 6: gave us a bid last year. State Farm wouldn't do
Speaker 6: anything over a million in the woods, which is odd.
Speaker 1: I mean, like in Colorado. It's really odd, honestly.
Speaker 6: And then on top of that, some other companies wouldn't
Speaker 6: do anything but an ach policy or a percentage of
Speaker 6: the main dwelling, which means you're deductible.
Speaker 1: I've argued this before.
Speaker 6: What's the highest one you've seen where the deductible is
Speaker 6: actually a percentage of the dwelling I've seen.
Speaker 8: Now this is an excess policy, so not an omitted carrier,
Speaker 8: but it was ten percent. Well, okay, normal three to
Speaker 8: two two percent. You're seeing is becoming more and more normal.
Speaker 8: One percent is absolutely normal. It is normal wind and
Speaker 8: hail claims. One percent is the norm. There's terriers that
Speaker 8: require two percent. Well, think a two percent guys.
Speaker 6: Let's say you're in Highlands Ranch and you've got one
Speaker 6: of the bigger models track home and it's worth a
Speaker 6: million bucks. I mean, your deductible on a hail claim
Speaker 6: is twenty thousand dollars, which is crazy. Yep, we had
Speaker 6: one caller it was three percent, and Tom was arguing, well,
Speaker 6: my god, you don't even have insurance at that point.
Speaker 1: Yeah, I mean literally think about it.
Speaker 6: You don't even really have insurance because it's the cost
Speaker 6: of the roof was less than the deductible. Right, yeah,
Speaker 6: now you still have insurance if it burned down or
Speaker 6: something exactly.
Speaker 8: Yeah, no, but even at one percent. Yet, what you're
Speaker 8: seeing as insurance companies are going to continue to our
Speaker 8: point earlier, The only way they're going to start making
Speaker 8: money in Colorado is if they either raise rates more
Speaker 8: with is you can't really do much more, people can't
Speaker 8: afford it, or people are going to start participating in
Speaker 8: the losses, specifically when it comes to hale.
Speaker 1: Well, and that just means you're gonna pay more though.
Speaker 8: Yeah, yeah, well when you have losses. I do think
Speaker 8: we got that hail proof roof. Yeah, I don't think
Speaker 8: I'll ever see a hail climb again. Yeah, well, I
Speaker 8: take that back on the roof, right. You might on
Speaker 8: other parts of the house.
Speaker 6: You might on the siding, might on the barn, might
Speaker 6: on the metal building, might on a car, But on
Speaker 6: our main dwelling, I can't imagine. I would ever have
Speaker 6: a hail claim again.
Speaker 8: No, but I do think there was a period of
Speaker 8: time here where people were hoping for hale because it
Speaker 8: was tough for to get a new first days are
Speaker 8: over because they're they're participating so much in it that
Speaker 8: it's it's no longer you're going to pay your thousand
Speaker 8: bucks that the roofer is going to somehow work into
Speaker 8: the deal where you're not going to pay anything.
Speaker 1: Yeah, that those days are over.
Speaker 8: Big because you're you have such big deductible of it's massive.
Speaker 1: Yeah, yeah, it used to be that way, honestly.
Speaker 6: Or they give you a free upgrade to a hail
Speaker 6: resistant roof or a Class four.
Speaker 5: It's really crazy though.
Speaker 6: So the other thing people can do if they do
Speaker 6: have a new roof, if they did get a hell
Speaker 6: resistant roof in the last couple of years, most homeowners
Speaker 6: give a discount for that.
Speaker 8: Yeah, or again it depends on the carrier. I would
Speaker 8: say I have probably half of them have a discount
Speaker 8: for Class four and some don't, and half of them don't.
Speaker 5: That's crazy.
Speaker 8: So now they still get a discount for having a
Speaker 8: brand new roof. But that's why it pays to at
Speaker 8: least shop around when you have these changes, and.
Speaker 6: If you have like a tile roof or a synthetic roof,
Speaker 6: like I do something that is more hal proof, not
Speaker 6: hail resistant.
Speaker 1: What I did is I up the deductible big time. Yeah.
Speaker 6: So now I think are deductibles like five thousand, but
Speaker 6: I'm not even worried that I'll have a claim when
Speaker 6: it comes to that peril.
Speaker 8: Yeah, and that's exactly what I did too. I have
Speaker 8: a tile roof, and so danil me, I'll take the
Speaker 8: much bigger deductible and save the money as far as
Speaker 8: on the annual premium.
Speaker 6: So when people call, I'm gonna give the number out
Speaker 6: typically speaking, is there how much of you saved? People
Speaker 6: our average listener. So they call up, they give you
Speaker 6: the deck page. It could be from State Farm, all State,
Speaker 6: it could be from anybody, it doesn't matter who it's from.
Speaker 6: And then you're going to shop them and you're going
Speaker 6: to shop what twenty to thirty different places depending on
Speaker 6: where they live, and you're going to come up with
Speaker 6: not only the savings, but the other important part. And
Speaker 6: if someone if you can't save money, you're the first
Speaker 6: at absolutely we'll tell them stay put.
Speaker 7: Yeah.
Speaker 6: Yeah, But the other part is And a lot of
Speaker 6: people don't realize this. Anybody that was affected by the
Speaker 6: Boulder fires were but a lot of people are under insured.
Speaker 7: Now.
Speaker 6: If you haven't checked the value of your house to
Speaker 6: rebuild pre COVID, you're absolutely crazy. There was homes that
Speaker 6: sold brand new for three hundred four hundred thousand in
Speaker 6: twenty ten that now could be worth a million bucks.
Speaker 6: And you have that insurance set at you know, three
Speaker 6: or four hundred thousand.
Speaker 5: You have no clue that if.
Speaker 6: That thing burned down or if anything happened, you basically
Speaker 6: can't even rebuild it.
Speaker 8: No, because it's not just even the values, you know,
Speaker 8: the rebuild cost have skyrossts skyrocketed people.
Speaker 6: And now with tariffs possibly on a lot of wood
Speaker 6: coming out of Canada, I mean think about that. There
Speaker 6: are so many people, like, how many people that haven't
Speaker 6: checked are undervalue?
Speaker 8: Well, we know through the boulderfire what it ended up
Speaker 8: being ninety seven percent.
Speaker 6: If you're out there listening and you haven't called Brian up,
Speaker 6: I don't care. If you've had state farm forever, that's
Speaker 6: the big one we hear. Oh they're great. I've never
Speaker 6: been telling you you're paying too much or you're undervalued
Speaker 6: or underinsured, and that could be a numerous different ways.
Speaker 6: We had one listener call up. They were worth three
Speaker 6: or four million. If I recall, they had the lowest
Speaker 6: amount of auto insurance they could get meeting if they
Speaker 6: did cause an accident and they were reliable. No one
Speaker 6: would take twenty five grand from them. They would come
Speaker 6: after their million dollar house and whatever's.
Speaker 5: In the bank.
Speaker 1: Yeah. I mean basically they had no insurance.
Speaker 8: Yet we see that all the time. People that have
Speaker 8: have been with a carrier for thirty years and when
Speaker 8: they started out, they had liability limits of twenty five thousands.
Speaker 5: That's all they needed.
Speaker 8: That's all they needed. But they've never adjusted over time,
Speaker 8: and so they have, you know, this exponential worth and
Speaker 8: yet they're still carrying twenty five thousand.
Speaker 6: All right, listen, I would love any questions you have
Speaker 6: in insurance.
Speaker 1: We got Brian in he's our expert. Anything you got cooking.
Speaker 6: Three zero three seven one three eight two five five
Speaker 6: three zero three Martino, hold tight, go with a sure.
Speaker 12: Thing Denver's Best roofer Excel roofing dot com. You don't
Speaker 12: pay a cent until you're content. Time for an insurance
Speaker 12: check up free no obligation. In comparison, call Compass Insurance
Speaker 12: paying too much your coverage at dozens of insurance companies
Speaker 12: find out now three oh three seven seven to one help.
Speaker 12: You'll think you're his only customer when you choose Frank
Speaker 12: durand the real estate dot com to list your home
Speaker 12: with Remax Alliance three oh three nine two zero sixteen
Speaker 12: twenty two.
Speaker 6: All right, three oh three seven one three eight two
Speaker 6: five five three zero three Martino. We'd love to hear
Speaker 6: from you any questions, complaints. I've got three deputies here
Speaker 6: ready to sink their teeth into whatever problems we got
Speaker 6: h three oh three Martino. Now I want to go
Speaker 6: back to Brian Burns. If you have not done the
Speaker 6: insurance health check, I want you to call these guys up.
Speaker 6: They're answering the phone right now. They can basically just
Speaker 6: ask for some basic information and tell you how much
Speaker 6: they can save you and make sure you rebuild. Brian,
Speaker 6: How does that work? When you put the address in,
Speaker 6: it automatically comes up with what a current value to
Speaker 6: rebuild is.
Speaker 8: No, but we go to you know websites usually Redfinns
Speaker 8: who I use get the details of the house and
Speaker 8: so you get an idea, you have to enter into
Speaker 8: a replacement cost estimator.
Speaker 1: Got it?
Speaker 6: And that, Oh, so you're looking at how many beds,
Speaker 6: bad square footage, custom, not custom, whatever it is.
Speaker 8: Yeah, And the things that we need to hear from
Speaker 8: people that are wanting quotes, We do need to know,
Speaker 8: like when their roof was replaced, what kind of roof
Speaker 8: things that that that might not be accurate onlines.
Speaker 1: Because if it's a newer roof, that's great. Yeah, exactly
Speaker 1: when you have a twenty year old roof, now you
Speaker 1: won't even.
Speaker 5: Get covered here.
Speaker 8: First thing we would say is stay where you're at
Speaker 8: because no one, no one will take it. If it's
Speaker 8: an asphalt roof, tile roof, totally different.
Speaker 1: Yeah.
Speaker 6: Will they come out and inspect the house even after
Speaker 6: you already have them.
Speaker 1: Yes, every carrier will do some sort of inspection.
Speaker 6: At some point. Yeah, some drive by, some might actually walk.
Speaker 6: It depends on the value.
Speaker 8: If it's over a certain value, then they'll they'll have
Speaker 8: to like actually make an appointment with the in they
Speaker 8: want to come inside to. Yeah, but usually it's a
Speaker 8: drive it's just a drive by.
Speaker 6: Yeah, we've had them. I think it was two years ago.
Speaker 6: Safeco came out, and I don't remember that we switched.
Speaker 6: I think we had Safeco prior and they came out
Speaker 6: more or less. They did the inside of the house,
Speaker 6: but they did the outside was more important because of
Speaker 6: the trees. They wanted to make sure we didn't have
Speaker 6: any brush and other stuff. I think it was like
Speaker 6: twenty or twenty five feet from the structure, whatever it is.
Speaker 8: And then they have a certain amount that has to
Speaker 8: be trimmed up off the ground. And yeah, there's all
Speaker 8: sorts of mitigation, all kinds of money stuff.
Speaker 1: Yeah. Yeah, so it gets a little crazy.
Speaker 6: How about people that live like legitimately in the mountains,
Speaker 6: I mean, there's some people probably just can't get coverage.
Speaker 5: Right.
Speaker 8: Well, we were talking I know yesterday for people that
Speaker 8: weren't listening, they have the Colorado Fair Plan coming because
Speaker 8: there are Yeah, but.
Speaker 1: That looked like they were sting.
Speaker 6: You said it only went up to So what he's
Speaker 6: talking about Colorado Fair Plan If you simply can't get
Speaker 6: coverage and I'm not talking you don't like the coverage
Speaker 6: you can get because it's expensive. I'm saying, if you
Speaker 6: can't get coverage, right, I was reading on their website
Speaker 6: three denial letters. Is that really all it needs or
Speaker 6: they're saying at least.
Speaker 8: You have to have from an agent. That's that's trying
Speaker 8: to get the quote from Colorad. A fair plan, you
Speaker 8: have to have three declines from a standard market and
Speaker 8: one decline from an excess.
Speaker 1: An idea of an excess company like Lloyd's of London
Speaker 1: would be one. So a why would they turn down anybody?
Speaker 1: Or they don't. No, they will. They're still companies that
Speaker 1: will thought they only ensured insurance companies.
Speaker 8: No, that's reinsurance, but that's that's separate that. You know,
Speaker 8: there's reinsurance.
Speaker 1: Companies insure my house.
Speaker 8: Yeah, I mean I could go access with Drouse, but
Speaker 8: it'd be more expensive. So there's no reason to you
Speaker 8: can get a standard market a company that is admitted
Speaker 8: through Colorado.
Speaker 6: It's always about I guess I'm not understanding the breakdown.
Speaker 6: So what's the difference between a standard and an excessive
Speaker 6: When you said Lloyd's London, that kind of screwed with
Speaker 6: me because I thought they're one of the largest insurance
Speaker 6: companies in the world.
Speaker 1: If they're not standard, I don't know what is.
Speaker 8: Standard meaning admitted admitted in Colorado. So Lloyd's of London
Speaker 8: is not doesn't go through Colorado Insurance Commissioner to be
Speaker 8: appointed for the state, so they're.
Speaker 6: Not part of I got So how can they sell insurance.
Speaker 8: Here because they can. Well, you have to first of all,
Speaker 8: have the three declines from a standard market even be
Speaker 8: eligible to go access.
Speaker 1: And that's because of our insurance board though.
Speaker 8: Yeah, so you can. You can't just go there, nor
Speaker 8: would you want to, because the policy forms are not
Speaker 8: regulated by the insurance Commissioner here, so they can do
Speaker 8: what they want. So if it write their own policy form,
Speaker 8: they can have crazy high deductibles that the insurance Commissioner
Speaker 8: wouldn't approve for you, your carriers that are admitted here.
Speaker 6: If you have three denials from let's just say State Farm,
Speaker 6: all State, and a SAFEGO whatever. Yeah, so there's three
Speaker 6: standards yep, then you can go to that excessive market. Yeah,
Speaker 6: excess excess excess market and that includes Lloyd's of London. Yeah,
Speaker 6: I means lloyd and who else is in that market?
Speaker 8: I mean tons of carriers you wouldn't know or are
Speaker 8: they shove standard? Yeah, Now they might have an excess
Speaker 8: market if they're if they're admitted market doesn't qualify.
Speaker 6: But do you think insurance would drop if they did
Speaker 6: not have to go through the insurance board here? In
Speaker 6: other words, if you didn't have to have three declines
Speaker 6: just to go to the excess market, do you think
Speaker 6: more companies would come in and actually drive insurance down?
Speaker 1: Does that make sense?
Speaker 8: No, it totally makes sense. It goes both ways. Here's
Speaker 8: the thing. Could prices come down, of course, but your
Speaker 8: coverages would be all over the board. And that's what
Speaker 8: the insurance Commissioner's trying to do, is regulate the insurance
Speaker 8: insurance company.
Speaker 1: Yes, but when it.
Speaker 6: Gets to the point where it is now and they're
Speaker 6: so expensive, and everybody's thinking about well, just like we
Speaker 6: were talking about, what's the.
Speaker 1: Colorado one called again?
Speaker 3: Fair?
Speaker 1: So fair?
Speaker 6: First of all only goes to seven hundred and fifty thousand,
Speaker 6: so a lot of people are in trouble right there.
Speaker 6: But more importantly, more importantly, think about this. Think about this, guys,
Speaker 6: it's actual cash value on everything, no replacement cost.
Speaker 5: Right now.
Speaker 6: If there's a fire and my twenty year old couch
Speaker 6: is gone, I get a new couch. If my house
Speaker 6: that's fifty years is gone, I get a new house.
Speaker 6: It's however much it costs to rebuild that house. Now
Speaker 6: you're talking about I just think of like your typical
Speaker 6: house in Parker or Highland's ranch, a typical track home.
Speaker 6: I mean, my god, if it's thirty years old, the
Speaker 6: argument could be, I mean, it's worth thirty percent, right,
Speaker 6: I mean, I don't even know what it comes in at.
Speaker 8: It's it's you think about it. It's a It's exactly
Speaker 8: how auto policy is is covered.
Speaker 6: Yeah, your new car, your car could sell for a
Speaker 6: fifty thousand dollars brand new right now. But because you're
Speaker 6: is seven years old, that car is worth five grand.
Speaker 6: You're gonna get five grand for your house if it
Speaker 6: burns down.
Speaker 8: Right, I mean, obviously there's a market for it. With
Speaker 8: auto insurance, it's much easier to.
Speaker 1: You think of the home insurance Brian.
Speaker 6: For the life of me, I have never thought, with
Speaker 6: the exception of roofs in Colorado, I have never thought of.
Speaker 1: Actual cash value.
Speaker 6: And how many people out there have an ACV policy
Speaker 6: right now for wind in hail perils that probably don't
Speaker 6: even know it. How many people a year call you
Speaker 6: up after a hailstorm they see the neighbors getting a
Speaker 6: new roof and they call you up and they think
Speaker 6: they have one thousand dollars deductible, which they might, but
Speaker 6: not for hail and not for other perils. How many
Speaker 6: people are in that boat.
Speaker 8: Our customers, very few because you tell them well, or
Speaker 8: we try not to put them with a carrier that
Speaker 8: has ACV at all roof. Yeah, now that's or you
Speaker 8: get the charge exactly. You got to give them a choice.
Speaker 8: But there are more than you can celt that have
Speaker 8: their state farm farm, all state that have no clue
Speaker 8: that at ten years of age it went to ACV.
Speaker 6: You know what, if people call you, let me ask
Speaker 6: you something. If people call you and I'm gonna give
Speaker 6: the number out again, not just for a quote, see
Speaker 6: if they can save money. And also, of course, as
Speaker 6: we talked about, make sure the replacement cost on their
Speaker 6: house is in line for God's sake, because like we
Speaker 6: said in Boulder ninety seven, what was it.
Speaker 8: Yeah, I think it was in ninety eight, it was
Speaker 8: something ridiculous.
Speaker 6: Almost every person was under insured, some of them by
Speaker 6: so much it's crazy. But the other thing, the other
Speaker 6: thing you can tell them, they might not even know
Speaker 6: if they have an ACV policy, right, they might have
Speaker 6: been with State Farm all States, some of these, some
Speaker 6: of these captive agents that don't shop you with anybody else.
Speaker 6: They could have been with those, and when they renewed,
Speaker 6: you know, the guy calls up and says here, yeah,
Speaker 6: just sign there, it's all good.
Speaker 1: You don't even know.
Speaker 8: They don't even have to have them signed. It comes
Speaker 8: up on renewal and people don't look a term, and
Speaker 8: a lot of times it doesn't say ACV. It will
Speaker 8: say root payment schedule, roof payment schedule.
Speaker 6: They have no idea what that means. Hell, I have
Speaker 6: no idea what that means. And it's actual cash value,
Speaker 6: or they have a percentage of the dwelling, which could
Speaker 6: be a twenty thirty forty thousand dollar out of pocket
Speaker 6: new roofs.
Speaker 1: If you have to have a new roof.
Speaker 6: Yeah, God, people are nuts not to call listen. I've
Speaker 6: used Brian for god, what's it been ten plus years?
Speaker 1: Yeah.
Speaker 6: When I bought that Tesla, I about had a heart attack.
Speaker 6: I swear to god, I couldn't believe how much the
Speaker 6: insurance was on that thing.
Speaker 1: And I wonder if it's going to go up even more.
Speaker 8: They're coming down just because they're becoming more and more common,
Speaker 8: so parts are becoming more available to think.
Speaker 6: Oh, that was the big thing with them, was getting
Speaker 6: apart because it was Tesla and Tesla.
Speaker 1: Only and they were hogging the hound.
Speaker 7: All right.
Speaker 6: Three oh, this is Brian's number. Give these guys a call.
Speaker 6: Gary's got an issue with eviction. We have some lines open.
Speaker 6: I promise Gary, I'll come to you hopefully we can
Speaker 6: help you out. Three zero three Martino three oh three
Speaker 6: seven one three eight two five five the Insurance Help Center.
Speaker 6: Please give these guys a call. If you've been putting
Speaker 6: it off, it's it's worth just asking them. They're not
Speaker 6: gonna twist your arm. They're gonna give you nothing.
Speaker 1: But the facts. They're going to tell you if you're
Speaker 1: under insured.
Speaker 6: They're going to tell you, more importantly, what kind of
Speaker 6: insurance you have right now. They're gonna tell you if
Speaker 6: you can save money, and they're gonna tell you anything
Speaker 6: you want to know about insurance. Three oh three nine
Speaker 6: nine six nine thousand three zero three nine nine six
Speaker 6: nine thousand, and then hopefully Brian will get some examples
Speaker 6: for everybody on how much you can save. That's what
Speaker 6: I love about when you're in studio. There was one
Speaker 6: time it was thirty thousand dollars a year. I admit
Speaker 6: it was excessive because you they didn't have an umbrella,
Speaker 6: or they were overpaying for the umbrella.
Speaker 5: It was just forgetted.
Speaker 8: They had a number of cars and homes and that
Speaker 8: kind of thing and all kinds stuff.
Speaker 6: But they were overpaying by thirty thousand. And not only that,
Speaker 6: I remember what it was, they were overpaying by thirty
Speaker 6: and not only did you come in with better insurance,
Speaker 6: better coverage, you got them an umbrella which they didn't have.
Speaker 6: Three oh three nine nine six nine thousand, Gary, You're
Speaker 6: up next, three zero three Martino.
Speaker 12: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're contenth
Speaker 12: time for an insurance check up, free no obligation comparison
Speaker 12: call Compass Insurance Paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
Speaker 12: com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two.
Speaker 6: All right, three oh three seven one three eight two
Speaker 6: five five.
Speaker 5: I had two.
Speaker 6: People ask me for the insurance help some help center
Speaker 6: number three oh three nine nine six nine thousand. By
Speaker 6: the way, this hour brought to you by Paul the
Speaker 6: waterman man the best for less.
Speaker 1: They have a system right now under four grand. Listen
Speaker 1: to this.
Speaker 6: Not only do you get rid of forevery chemicals, so
Speaker 6: and this is in the whole house, not point of use.
Speaker 1: I don't care what fossel you use.
Speaker 6: In the house. You're not going to have that plastic
Speaker 6: in there, which is incredible because it's everywhere. Look up
Speaker 6: for every chemicals. If you don't believe me, it's nuts.
Speaker 6: On top of that, it's going to get rid of chlorine,
Speaker 6: and then on top of that, it's going to soften
Speaker 6: your water.
Speaker 1: It's going to do everything.
Speaker 6: Then he's going to throw in a reverse osmosis for
Speaker 6: your kitchen sink, so you get a point of use
Speaker 6: reverse osmosis, and then the entire system for the house
Speaker 6: that does everything else. We talked about less than four grand.
Speaker 6: The competition is like eight nine ten grand. Call them out.
Speaker 6: They'll test the water for free. They're great people. Waterpros
Speaker 6: dot net. That's waterpros dot net. Now, let's see what's
Speaker 6: going on with this poor guy? Hey Gary, what's going on?
Speaker 13: Man?
Speaker 6: It says you have an issue with eviction. Are you
Speaker 6: getting evicted or are you trying to evict somebody?
Speaker 3: I'm getting I was evicted, you.
Speaker 1: Were a victim. Well it might be a little late
Speaker 1: to call it all start.
Speaker 3: It all started August twenty third of last year.
Speaker 1: What happened my hand?
Speaker 3: My hand went numb when I was on the computer
Speaker 3: and I called VA. I'm a veteran. I called the
Speaker 3: VA twenty four Owners helpline. She said, get to the
Speaker 3: emergency room immediately. So I went to Penrose Emergency in
Speaker 3: Colorado Springs, and in the waiting room in the emergency,
Speaker 3: I suffered a major stroke.
Speaker 6: Oh my god, man, what was your Hey real quick?
Speaker 6: So I just want to understand this. Your your left
Speaker 6: hand went like super numb or tinglely or kind of
Speaker 6: describe it as best as you can.
Speaker 3: My right hand was I couldn't feel the mouse. I
Speaker 3: couldn't feel the mouse anymore. And I picked up the
Speaker 3: TV or moll control and I couldn't feel that. So
Speaker 3: I called the twenty fire inners Helpline.
Speaker 1: I got that part. Did your other hand?
Speaker 6: I'm saying this just for everybody listening to know the
Speaker 6: signs of a major stroke. So your left hand at
Speaker 6: this point though you can feel stuff. Yes, that's amazing.
Speaker 6: So that was really the only sign? Was that right
Speaker 6: hand going super numb? Or was your other signs?
Speaker 3: None? There's told me to get to the emergency room immediately,
Speaker 3: and I did. God, and I'm sitting in the waiting room.
Speaker 3: I'm sitting in the waiting room and a male nurse
Speaker 3: walks into the waiting room looks at me and points
Speaker 3: at me and starts yelling stroke, stroke, stroke, And I
Speaker 3: passed out.
Speaker 1: And that's wow.
Speaker 6: What do you remember? Like when you woke up? How
Speaker 6: long is it? Where are you at?
Speaker 3: I woke up the next morning and intensive care they
Speaker 3: operated on me. They did some sort of section on
Speaker 3: my brain and removed clots, and I couldn't walk and
Speaker 3: I couldn't talk for a couple of months.
Speaker 6: Was it in the main artery? Where was the clot?
Speaker 6: Did they ever tell you?
Speaker 3: No? They never really figured out. They're pretty sure it
Speaker 3: was coming from the heart.
Speaker 1: Oh my god. Something, it's just terrifying.
Speaker 6: Something breaks loose, some piece of plaque, breaks loose and
Speaker 6: all of a sudden, you're having a stroke. You are
Speaker 6: so freaking lucky you got to that hospital.
Speaker 1: You might not be alive.
Speaker 3: Brother, That's true, and what's funny is not funny. When
Speaker 3: I left the tensive care six days later, the doctor
Speaker 3: pulled me aside and said, you did not have one stroke?
Speaker 3: I said, what did I have? He said, you had
Speaker 3: four strokes? Well, MRI when you were passed out. He said,
Speaker 3: we did an MRI when you were out called and
Speaker 3: we found four strokes.
Speaker 1: What do they do afterwards?
Speaker 6: We're going to get to your eviction problem, but I'm
Speaker 6: just fascinated by this. What like, what is the follow up?
Speaker 6: In other words, do you go in for screening?
Speaker 5: Do they put you.
Speaker 6: On some kind of medication so basically the plaque breaks down,
Speaker 6: or what or anything at all?
Speaker 1: What do they do?
Speaker 3: They increased my blood pressure pressure medication to a stronger dosage,
Speaker 3: and they increased my cholesterol medication to a very strong dosage.
Speaker 3: There's about all they can do.
Speaker 6: We just got so just a side note, it terrified
Speaker 6: the hell out of me. Guys, Suzanne and I went in.
Speaker 6: We spent one hundred and seventy nine bucks to have
Speaker 6: this artery scan this full. It was more than that.
Speaker 6: It was like three different things and you just sit there.
Speaker 6: Have you done this, Brian? They put this like, I
Speaker 6: don't even know what it's called. I guess it's like,
Speaker 6: it's not an X ray machine. What do they put
Speaker 6: on a baby a pregnant woman's belly.
Speaker 5: Oh, it's it's it looks like that. It's kind of
Speaker 5: like vassiline.
Speaker 1: No, no, no, but the wand thing.
Speaker 5: Oh yeah, I don't know, thank you.
Speaker 6: And they put it right up on your big arteries
Speaker 6: on both sides and they're squeezing it and they're looking for.
Speaker 1: Any plaque build up.
Speaker 6: And then you know, they tell you what's going on,
Speaker 6: and it just terrifies the hell out of me. I mean,
Speaker 6: we were fine, but I mean just that's how that's
Speaker 6: how bad I am. So when I hear a story
Speaker 6: like this, I'm just like, now, now, if if I
Speaker 6: sleep on my arm wrong in my hand goes numb,
Speaker 6: I'm gonna have Suzanne drive me to the damn hospital. Hey,
Speaker 6: you guys think I'm kidding, I'm not kidding. That stuff
Speaker 6: terrifies me. Let's fast forward. What's going on with the eviction.
Speaker 3: Okay, Well, I was bed ridden for several months. I
Speaker 3: got I got out of the hospital and I called
Speaker 3: the company I was working for out of Florida, their
Speaker 3: Senior Life Services. I was a life insurance salesman. Remote
Speaker 3: got it. I called them and I told him I
Speaker 3: had a stroke and I have to learn how to
Speaker 3: walk again and I couldn't talk. I did a month off.
Speaker 1: See, pretty hard to sell insurance.
Speaker 3: Yeah, well they fired me.
Speaker 1: Oh that sucks, bro. Did you get on unemployment at least?
Speaker 3: No, I haven't done anything.
Speaker 1: When did they fire you.
Speaker 3: A week after the stroke?
Speaker 5: So August? Still? Basically no, it was.
Speaker 3: August twenty third night of the stroke. They fired me
Speaker 3: around September first.
Speaker 6: But would you say you haven't done anything? I'm just curious.
Speaker 6: Why didn't you go apply for unemployment? How long did
Speaker 6: you work for this company? Were you like a ten
Speaker 6: ninety nine commission only or what?
Speaker 3: Yes? Oh, thay nine. I tried to get an attorney
Speaker 3: to go after him for a lawful termination and he said,
Speaker 3: you were ten ninety nine. There's nothing I can do.
Speaker 3: Florida is a right to work state.
Speaker 6: Yeah, well, it's curious you're here though, right in Colorado?
Speaker 3: Yes, from Colorado Spring.
Speaker 5: Did they pay you?
Speaker 1: And I'm just curious, man, totally curious. Did they pay.
Speaker 6: You under a LLC that you owned? Or did they
Speaker 6: pay Gary whatever your last name is?
Speaker 7: My name?
Speaker 6: That's very curious. Did you even try to file for unemployment?
Speaker 9: Gary?
Speaker 3: No? Because I wasn't able to walk or talk.
Speaker 1: Yeah, I got you, all right, let me do this,
Speaker 1: Let me do this.
Speaker 6: I'm fascinated by this and I'm really hoping we can
Speaker 6: help you out, but I got to take this break.
Speaker 6: I promise I'll come back to you. First two open
Speaker 6: lines three zero three seven one three eight two five five.
Speaker 1: We want to hear from you.
Speaker 12: Go with a sure thing Denver's Best Excel roofing dot com.
Speaker 12: You don't pay a cent until you're content. Time for
Speaker 12: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 12: Insurance paying too much your coverage at dozens of insurance
Speaker 12: companies find out now three O three seven to seven
Speaker 12: to one help. You'll think you're his only customer when
Speaker 12: you choose Frank durand the real estate Man dot com
Speaker 12: to list your home with Remax Alliance three oh three
Speaker 12: nine two zero sixteen twenty two.
Speaker 6: You know, this one's a little nuts. We're trying to
Speaker 6: figure out. You know, this poor guy had a stroke
Speaker 6: back in August, and after he had this stroke, he
Speaker 6: basically lost his job. It was a ten ninety nine job.
Speaker 6: I wanted to say something, and why I was saying
Speaker 6: even though it's a ten ninety nine unemployment, I don't
Speaker 6: care where the company's located in Colorado.
Speaker 1: There's a few things.
Speaker 6: If you only represent one company and all you do
Speaker 6: is work for one company, and you work when they
Speaker 6: tell you to work. In other words, you know, Monday
Speaker 6: through Friday, we want you on your computer selling insurance
Speaker 6: between ten and three, and you have a business card
Speaker 6: that says that company's logo on it with your name
Speaker 6: that they provided, and you don't sell anything else for
Speaker 6: anybody else. You only work for that one company. You'd
Speaker 6: be surprised you might get unemployment. So I'm not going
Speaker 6: to be labor that point. Gary or beat a dead
Speaker 6: horse is probably a better one with that. But I
Speaker 6: think a call to unemployment might be worth just you
Speaker 6: collecting some money. So I just wanted to throw that
Speaker 6: out there. But let's keep moving on. So you got
Speaker 6: fired about a week after you wake up from the stroke.
Speaker 6: You've got to learn to walk, you got to learn
Speaker 6: to talk. And the bottom line is you can't sell
Speaker 6: insurance anymore, so the company doesn't have you. And then
Speaker 6: when did the landlord come into this? What happened next?
Speaker 3: Because I couldn't get out of bed. I couldn't walk,
Speaker 3: and uh, I was falling every time I'd get out
Speaker 3: of bed and hurt myself pretty badly a few times.
Speaker 3: And I couldn't work. I couldn't get it work because
Speaker 3: I couldn't talk. I couldn't talk on the telephone to.
Speaker 1: I get it man.
Speaker 3: And so in January I got a notice of eviction
Speaker 3: that they're victim me for non payment of risk?
Speaker 6: How far back at this point? When did you get
Speaker 6: that notice?
Speaker 3: January?
Speaker 6: Was August paid for when you had the stroke? Was
Speaker 6: that month paid or were you already in the rears?
Speaker 3: No? I was paid up to that point, so did you?
Speaker 1: So you didn't pay?
Speaker 11: What?
Speaker 3: September, September, November, October? I just couldn't pay. I couldn't work.
Speaker 6: Yeah, I get you talk. So then they then they
Speaker 6: evicted you for nonpayment.
Speaker 3: Well, as you can tell, I can now talk. Yeah,
Speaker 3: it's taken a while of course, I still walk with
Speaker 3: a cane. I was evicted for non payment of rent. Yeah,
Speaker 3: there should be some of the American Disabilities Act that,
Speaker 3: you know, somebody in my condition should have been protected.
Speaker 6: I don't think so. Is that your question to me? Yes, Yeah,
Speaker 6: I don't think so. For the failure to pay rent
Speaker 6: for three four months, I mean, that's it. I mean,
Speaker 6: they're going to event you. And honestly, I hate to
Speaker 6: say this. I feel for you big time, man, I
Speaker 6: feel for anybody in that case. But you know, the
Speaker 6: landlord has to get paid for all. We know he's
Speaker 6: got a mortgage on that property or anything. Yeah, Brian, what.
Speaker 8: About rents assistance? Did you go that route, because that's possible.
Speaker 3: I tried with the VA and came up with nothing.
Speaker 6: Yeah, you know, he's in such bad shape at the time,
Speaker 6: but there's no there is no law that I know
Speaker 6: of that is going to protect you after that amount
Speaker 6: of time.
Speaker 3: Well, right right now, I'm in VA emergency housing, which
Speaker 3: really sucks.
Speaker 1: What is that describe like? Where you live? Tell us
Speaker 1: about it.
Speaker 3: I live at a Salvation Army shelter.
Speaker 7: Geez.
Speaker 3: Part of it has been isolated for veterans only. Yeah,
Speaker 3: and it sucks. It's like a barracks type situation. It
Speaker 3: just sucks.
Speaker 6: Well, what can we do to help you at this point?
Speaker 6: There's no there's nothing we're going to do with that
Speaker 6: landlord or get you back in there.
Speaker 1: Can you work now?
Speaker 6: Maybe someone's listening that could hire you.
Speaker 3: No, I did. American American Family Insurance has given me
Speaker 3: an offer to work for them, nice, which I'm going
Speaker 3: to accept. It's commission only, but take it. Yeah, I'm
Speaker 3: going to go to work for them.
Speaker 1: And how long have you been selling insurance?
Speaker 3: About four years?
Speaker 5: Okay?
Speaker 6: Yeah, I mean let me ask you something, Brian, just
Speaker 6: because you own Compass Insurance, typically when you work for
Speaker 6: American Family or.
Speaker 1: Any of these guys. I didn't realize.
Speaker 6: So American Family, they'll hold you hostage, right, They only
Speaker 6: sell American Family.
Speaker 1: It's a captive company. Yeah.
Speaker 6: So, and most of their agents are generally ten ninety
Speaker 6: nine is a normal.
Speaker 1: Yeah.
Speaker 8: Yeah, absolutely, that's how it was. I worked at all
Speaker 8: State before I started this twenty five years ago. Yeah,
Speaker 8: could you work for other people as well? Nope, the
Speaker 8: captive contract you can only work for them, but they
Speaker 8: still don't consider you an employee. You're not w two
Speaker 8: it is definitely a ten ninety one a contract.
Speaker 6: I wonder if there's a loophole for that just because
Speaker 6: of the insurance board or the commission. I have never
Speaker 6: heard when you worked for the other company who wasn't
Speaker 6: American Family Gary So.
Speaker 3: The company that fired me, Yeah, Senior Life Services out
Speaker 3: of Florida.
Speaker 1: Could you work for other people or just them?
Speaker 3: No? I was a captive.
Speaker 6: See okay, okay, hold on, I'm not you know what.
Speaker 6: I'll talk to you a little after break. I'm not
Speaker 6: sure what else to help you with. I'm very glad
Speaker 6: you got new job. Maybe we can put fielders out
Speaker 6: there for an apartment or something. But three oh three
Speaker 6: seven one three A two five five and give the
Speaker 6: insurance help center a call. Three oh three nine nine
Speaker 6: cents nine thousand. We've got a couple hours to go.
Speaker 1: I want a healer from you.
Speaker 12: Three oh three Martino, go with a sure thing Denver's
Speaker 12: best roofer Excel roofing dot com.
Speaker 16: You don't pay a cent until you're contenth.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot Com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 5: Ris so you don't have.
Speaker 4: Us as we can show.
Speaker 5: Shooter's gonna help.
Speaker 6: Coming man this he is the Troubleshooter Show. No Tom Martinez, Welcome, Welcome,
Speaker 6: my friends to the only show of it's kind.
Speaker 1: We are here to solve problems.
Speaker 6: Answer questions, take complaints, try to make your life a
Speaker 6: little bit better. And that's what we love doing. We
Speaker 6: have recouped over three hundred million dollars UH in forty
Speaker 6: years directly due to this show. Think of that, three
Speaker 6: hundred million dollars in cash and merchandise exchanges, refund services
Speaker 6: directly do At one point, we helped a person actually
Speaker 6: get a liver. We help someone get a liver, We
Speaker 6: found a donor for him years ago. We've helped people
Speaker 6: do all kinds of things over the years. You know,
Speaker 6: one of the things we were talking about during the
Speaker 6: break is this poor guy, he's a veteran. He got evicted.
Speaker 6: He didn't pay for a while. There's nothing we can
Speaker 6: do there for Gary, But right now he finally did
Speaker 6: get a new job, and Gary, I'll finish up with
Speaker 6: you real quick. You didn't happen to opt in? What
Speaker 6: is it referred to?
Speaker 1: Again to me?
Speaker 5: Juree Colorado Family leve Act. It goes by this acronym
Speaker 5: called family. I'm not sure what it stands for.
Speaker 6: So if you're an independent contractor, and by the way,
Speaker 6: I did look up in Colorado, listen to this.
Speaker 1: This is kind of crazy.
Speaker 6: Under most conditions, you would be considered an employee. But
Speaker 6: there are some exemptions. One is for domestic workers like
Speaker 6: a nanny or an no pair. One is for real
Speaker 6: estate brokers and agents like insurance agents with a contract
Speaker 6: working solely on commission. So the industry itself carved out
Speaker 6: a loophole with our legislature. I mean, that's the bottom line.
Speaker 6: So you're not going to go down that road. It
Speaker 6: kind of sucks. So because me paying somebody to give
Speaker 6: you an idea, Kelly is an independent contractor for me,
Speaker 6: she answers the phone when you call. But Kelly also
Speaker 6: works for Dan Kaplis And who else do you work for?
Speaker 5: Kelly?
Speaker 6: Don't you work for Ryan Tump sometimes too. You work
Speaker 6: for numerous different people or your your LLC does.
Speaker 1: Yes, So because she does.
Speaker 6: Because she works for me but does the same thing
Speaker 6: for other people, we all pay her. She's not our employee.
Speaker 6: Plus she owns her own company. What's your company.
Speaker 1: Called in Root Productions?
Speaker 6: Yeah, in Root Productions. So I mean that's what she
Speaker 6: does for a living. She works for herself. Now, Kelly,
Speaker 6: I don't know if you know this, but Dmitri found
Speaker 6: this out for Gary. You can either opt in or
Speaker 6: opt out. No, you don't have to opt out. You're
Speaker 6: automatically out unless you choose to opt in.
Speaker 1: So you have to opt in. You have to the
Speaker 1: Family Leave Act.
Speaker 5: Yeah, if you're self employed, did you know that, Kelly?
Speaker 7: Yes?
Speaker 1: Did you opt in? Or no?
Speaker 17: I have not opted in because Mike kids are.
Speaker 1: It wouldn't matter. It would not matter because they're old
Speaker 1: enough where literally it wouldn't matter.
Speaker 5: But you know, the interesting part about this family is
Speaker 5: it also covers you if you needed to take time off. Oh,
Speaker 5: that's it. That's the prime. So that's why I looked
Speaker 5: it up on behalf of our caller.
Speaker 6: So, Gary, you don't happen to know if you opted
Speaker 6: into the Family Leave Act, did you, because that might
Speaker 6: be another source of money.
Speaker 5: Mark, there's a time on that of one year.
Speaker 1: I think, so you got to opt in for the
Speaker 1: following year.
Speaker 5: Yeah, you have to be with someone for a year.
Speaker 1: Oh how long were you with that other company? Gary?
Speaker 5: Gary?
Speaker 1: I think I hear him talking, but I don't hear him.
Speaker 6: Well, I mean we'll kind of leave it at that,
Speaker 6: but for I'm just going to drop him for people listening, though,
Speaker 6: if you own your own business, you can opt into it.
Speaker 6: And what does it cover? Dmitri Basically, so you're saying
Speaker 6: not only if you had a kid, or if you
Speaker 6: were adopting a child or anything along those lines, if
Speaker 6: you actually had a stroke, it would most likely cover you.
Speaker 5: Yeah, it covers you against stuff like that. It also
Speaker 5: I actually have a friend who just started this Family
Speaker 5: Leave Act a couple of days ago because this person
Speaker 5: was having some stress issues. It's a you know, a
Speaker 5: young single female.
Speaker 6: Now was it an individual like her own company or
Speaker 6: she worked.
Speaker 5: For so she was an employee.
Speaker 1: So while she's on it, how much does she get.
Speaker 5: I don't know if it's like.
Speaker 8: Seventy It is a formula and it's not universal. They
Speaker 8: because I've had employees that have been on this for
Speaker 8: either health related issues.
Speaker 1: So you have to have it now for your employees. Yeah,
Speaker 1: every employee.
Speaker 6: When I had employees, I mean we're going back to
Speaker 6: twenty fifteen, this wasn't a thing.
Speaker 1: Yeah, No, it's newer.
Speaker 5: Yes, it started like a year or two.
Speaker 6: Even if you don't back in the day, I had
Speaker 6: like forty eight employees.
Speaker 1: If I went over fifty.
Speaker 6: To give you an idea, I had to have certain
Speaker 6: health coverage for them under Obamacare, but under fifty I didn't.
Speaker 6: Is it the same way now or it doesn't matter
Speaker 6: if you have one or fifty.
Speaker 8: In Colorado, it's it's just automatic automatic.
Speaker 1: You're doing this.
Speaker 8: Yeah, and and I think it's three months give I
Speaker 8: think is what it is of a payment?
Speaker 1: How much life they get paid?
Speaker 5: Well, it looked so she got approved for nine weeks.
Speaker 7: Now.
Speaker 5: I didn't ask how much, but I did kind of
Speaker 5: quickly glance at their website. There's some there's a formula
Speaker 5: and it depends on your annual income relative to the
Speaker 5: average state income, and then how long you've been working
Speaker 5: and how much you actually.
Speaker 1: Marr So it's a formula.
Speaker 5: Yeah, it's like either six or nine hundred bucks a
Speaker 5: week is kind of like what it looked like to me.
Speaker 5: So it's kind of like unemployment.
Speaker 6: That's yeah, on it. So if you're if you're in it,
Speaker 6: yes you do. I don't like dragging your paycheck from
Speaker 6: my heart. You pay into family leads, that is correct?
Speaker 6: And how much do you know how much you pay in?
Speaker 15: I honestly don't, but I think it's like a half
Speaker 15: a percent or something something like that, as well as
Speaker 15: iHeart kicks in that other half way.
Speaker 6: Have you used it like when you had the grand baby?
Speaker 6: Would you be allowed to use it? I think I
Speaker 6: would be able to, but you didn't.
Speaker 1: I did not know.
Speaker 6: Do you think an employer and I don't. I'm not
Speaker 6: talking just iHeart. It's weird because we're sitting in there building.
Speaker 6: But do you think they frown upon it?
Speaker 15: I don't think the higher ups around here would really
Speaker 15: care so much. It's okay, complicated to work around for sure.
Speaker 15: It's just like taking vacation.
Speaker 1: It'd be harder on your peers and it would be
Speaker 1: on the higher ups. Correct.
Speaker 5: Yeah, And I don't think the employer gets penalized to
Speaker 5: the extent they do for unemployment claims.
Speaker 6: And they can't be fired though, right exactly? Is that
Speaker 6: the main thing? So you get some money, but you're
Speaker 6: paying into it.
Speaker 5: You're paying a little bit into it. So the benefit
Speaker 5: to the employee is you can take this paid time
Speaker 5: off when the need arises, and you can't be fired
Speaker 5: for it, and your employer is required to work.
Speaker 6: God, that'd be so hard, just coming from a small
Speaker 6: business aspect. I don't know if I like it or not. I,
Speaker 6: honest to God, don't know if I like it. We've
Speaker 6: got a friend, listen to this. We've got a friend
Speaker 6: whose wife had a baby, really good friend. We know
Speaker 6: the parents more than we know them. But he's a
Speaker 6: little older than our kids, and we watched him grow
Speaker 6: up and they got married. He works for a company
Speaker 6: in Europe. He works for a big company, but he
Speaker 6: lives in Colorado. He got six months when she had
Speaker 6: a baby. I just sit there and I go back
Speaker 6: to when Suzanne had our kids, you know, twenty three,
Speaker 6: twenty five years ago.
Speaker 1: We had nothing like that. I worked, she was home
Speaker 1: with the kid, and that's just.
Speaker 5: How it was.
Speaker 6: I mean, I don't know how else to put it.
Speaker 6: I find it insane. His company once again, is based
Speaker 6: somewhere in Europe or Germany, somewhere, I don't know exactly where.
Speaker 6: So he got six months, she got three months. Think
Speaker 6: about this. The woman that had the baby could take
Speaker 6: three months off, he could take six months off. But
Speaker 6: I I bet what he found is when he came
Speaker 6: back a lot of his peers were bumped up in
Speaker 6: the ranks while he was gone.
Speaker 1: So that would be a reason not.
Speaker 5: To do it. Yeah, well, that's generally the reason not
Speaker 5: to take a lot of time off from work, because
Speaker 5: you make valuable.
Speaker 6: To just in general, and I don't know if I'm
Speaker 6: like old school this way, I don't think so, But
Speaker 6: just in general, should the man, the guy be able
Speaker 6: to take off the same amount of time as the
Speaker 6: mother of the child?
Speaker 1: I mean that is that. I guess it's just normal.
Speaker 3: Now.
Speaker 6: People are going, ah, you're sexist or whatever, But I'm
Speaker 6: going to me, that's kind of okay, dragon.
Speaker 5: Is it weird to you?
Speaker 1: If you don't mind me asking.
Speaker 15: I would agree that the man should not get more
Speaker 15: time than the woman.
Speaker 6: Well, the more time is absolutely insane, and I tell
Speaker 6: this kid that.
Speaker 1: But if it's there for the taking, it's kind of not.
Speaker 1: I didn't get away with it.
Speaker 6: And Brian, I mean, you're here as a guest with
Speaker 6: Compass insurance. I don't want to get you in trouble. Yeah,
Speaker 6: I'm going to be very delicate about this. I mean,
Speaker 6: but be delicate.
Speaker 8: I do think it's it's becoming more the norm, especially
Speaker 8: with a younger generation. Because I'm with you, whenever I
Speaker 8: had kids, it wasn't an option number when I had
Speaker 8: my own business number two. But I and I think
Speaker 8: there's probably a healthy medium there. I took like two
Speaker 8: days off work and then was back and and you know,
Speaker 8: I probably could have been around a little bit more
Speaker 8: than that. Yeah, but I do think the younger generation,
Speaker 8: I'm seeing both the title people are taking off the
Speaker 8: three months.
Speaker 15: You had made mentioned there, Mark that, Yeah, I have
Speaker 15: a new grandson here and he's about a month and
Speaker 15: a half or so old. The daughter in law is
Speaker 15: a stay at home mom, so she didn't have to
Speaker 15: worry about taking anything off.
Speaker 1: But my son, yeah, he took a month off.
Speaker 6: He took to family leave the whole month, but he
Speaker 6: could have done three months.
Speaker 15: I'm not sure as to how much he could have done,
Speaker 15: but yeah, he was like, eh, I'm going to take
Speaker 15: the whole month. Way twenty twenty five years ago, when
Speaker 15: my kid came around, I took a half a day
Speaker 15: and I was like, all right, I got it back
Speaker 15: to work and put in eighty hours.
Speaker 6: That's the same time I had. We had Miles and
Speaker 6: it's you know what. We went to the hospital and
Speaker 6: once we left the.
Speaker 5: Hospital, I was back to work. Dad day.
Speaker 6: Suzanne was with home with the kids. I mean, but
Speaker 6: now like it's I don't know, Suzanne.
Speaker 1: Actually preferred that, I think is what I've heard. Oh
Speaker 1: shut up, Oh damn.
Speaker 5: That one.
Speaker 17: Stunned by the way, just so everybody knows, I actually
Speaker 17: went to work early. I had six weeks off after
Speaker 17: I had Hayley, and I went to work.
Speaker 6: Were they paid yes, how just because the company worked
Speaker 6: for a paid you.
Speaker 1: Yes? Yeah, there was no family leave or anything nope. Yeah.
Speaker 17: And so but I went to work two weeks earlier
Speaker 17: because she was such a boring baby.
Speaker 1: Ah.
Speaker 17: She basically just slept all the time and it was
Speaker 17: really boring, and I was like, I need to get
Speaker 17: back to work.
Speaker 6: I just said, Okay, how about how about if you
Speaker 6: had the kid now, Kelly, Well, hold one, you had
Speaker 6: a baby now, and Adam could take six months off
Speaker 6: and you could only take three.
Speaker 17: Okay, I could not tolerate six months of Adam being humpy.
Speaker 1: It's it's insane act. Not absolutely not.
Speaker 17: No, I would make him go back after probably a
Speaker 17: couple weeks, which is what happened. He took a couple
Speaker 17: weeks off after Shover was born, a couple weeks off
Speaker 17: after Haley was born, and then he was back to
Speaker 17: work and back to the grind. And like I said,
Speaker 17: I took you know, I had six weeks, but I
Speaker 17: didn't take the whole time.
Speaker 1: So Scott, what do you think, I don't know, you're older.
Speaker 8: Yeah, I think, like Brian, it's becoming more popular.
Speaker 1: That doesn't mean it's right, No, But.
Speaker 6: I liked what Kelly said this her employer paid for it.
Speaker 1: It wasn't isn't some of that tax funded?
Speaker 5: Or no?
Speaker 6: Is a is the family leave funded by our money
Speaker 6: at all?
Speaker 1: Or is it only funded by the employee?
Speaker 17: When yeah, yeah, I already paid into it so I
Speaker 17: could have it.
Speaker 1: Yeah, I got you. Yeah.
Speaker 6: And plus that's a great perk if you work for
Speaker 6: a big company. I mean, that's a hell of a
Speaker 6: nice perk if they give that to you when you
Speaker 6: have a baby six weeks off. But it's just different
Speaker 6: to me. And when you own your own business. I mean, Brian,
Speaker 6: you owned Compass. I mean, when you have someone leave
Speaker 6: and they're going to be gone for eight weeks.
Speaker 1: I want you to be honest.
Speaker 6: Someone comes to you and says, Brian, as you know,
Speaker 6: my wife just had a baby, and or nowadays, hey
Speaker 6: my my husband just had a baby. Whatever it happens
Speaker 6: to be so, and then basically you say, oh, that's great, congratulations.
Speaker 6: You know, we sent her balloons and stuff and blah
Speaker 6: blah blah. And then they learn, by the way, I'm
Speaker 6: taking three months off and they're a key employee.
Speaker 1: Yeah, that's got a bug the hell out of you. Well,
Speaker 1: it's just reality. It's what you do.
Speaker 8: You have to what it is now, and so it's
Speaker 8: happened to us. Yeah, and you know they have that
Speaker 8: right and they're paying in so you know, I don't
Speaker 8: say anything.
Speaker 6: I remember hearing stories from my grandmother that her mother
Speaker 6: had her brother on the kitchen floor in their house
Speaker 6: and made dinner that night. Okay, listen to what I
Speaker 6: just said. Now, people might say, no, way, that didn't happen.
Speaker 6: I don't know why my grandmother would have shared that
Speaker 6: with me. Think about that. I mean, we're going back
Speaker 6: to the late eighteen hundreds. I mean, I don't think
Speaker 6: people went to the hospital to have babies. I think
Speaker 6: a lot of breech babies and a lot of women died,
Speaker 6: probably and a lot of babies died, but because it
Speaker 6: was different back then. But think about that. Have a baby,
Speaker 6: then cook dinner. Now I'm not saying I'm not saying
Speaker 6: I condone that kind of behavior by any means. But
Speaker 6: think of how far we've come in such a small
Speaker 6: amount of time. I noticed how there's no comments on that. Brian,
Speaker 6: what do you think about that? About what about having
Speaker 6: a baby than cooking dinner that same night?
Speaker 5: Dimitri I squirrels.
Speaker 6: It's almost like the deputy Dock has come out in
Speaker 6: me all of a sudden, for the first time in
Speaker 6: my life, I feel like deputy doc, you know, delivering
Speaker 6: a thousand babies, I would be curious. You know what
Speaker 6: that is the biggest part. I bet a lot of
Speaker 6: I bet a lot of babies died back then. You know,
Speaker 6: people talk about how the population has exploded.
Speaker 5: Just think hospitals and really just just birth well, yeah,
Speaker 5: a huge number of women died in childbirth.
Speaker 1: Oh big time.
Speaker 5: A breach could kill you easily, right, well, even non breach,
Speaker 5: I mean, women would just bleed to death, just bleed
Speaker 5: out on the kitchen floor.
Speaker 6: Yeah, that's crazy, all right. Hey George, what's going on
Speaker 6: with you?
Speaker 9: Also?
Speaker 1: Hey George? Yeah, I can hear me, Yeah, I can
Speaker 1: hear you.
Speaker 6: Go ahead, man, I got to take a break real quick,
Speaker 6: but go ahead. What's your question?
Speaker 9: Basically, the people you used to advertise for, like twelve
Speaker 9: ninet nine or thirty nine nine water eaters, I can't
Speaker 9: find them on your referral list.
Speaker 1: Oh, I'm going to make you hold for that.
Speaker 6: And I hate to do it, but I promised George
Speaker 6: right after it, and I'm doing it for a reason
Speaker 6: because you said something I want to make sure you understand.
Speaker 6: Three zero three Martino.
Speaker 12: Go with a sure thing Denver's best roofer Excel roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three O three seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real Estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 6: All right three o three seven one three eight two
Speaker 6: five five. Hey Frank Durand the real Estate Man. If
Speaker 6: you listen to the show, he's the nicest guy out there.
Speaker 6: And if you need to sell your house and want
Speaker 6: the most money and sell it the quickest, you call Frank.
Speaker 6: If you're looking at buying a house and you want
Speaker 6: to negotiate and get the best deal on it, you
Speaker 6: call Frank. I have used him multiple times. He's a
Speaker 6: great man, nicest guy you're ever gonna meet. He'll also
Speaker 6: do a free evaluation for you just for calling them.
Speaker 6: Not only will you get to meet him, but you're
Speaker 6: gonna find out how much that house is worth right
Speaker 6: now if you haven't had it done. And by the way,
Speaker 6: there's no arm twisting here. He just hopes he gets
Speaker 6: to meet you. And if you decide to sell in
Speaker 6: five years, you're gonna call him. You're gonna love it.
Speaker 6: A free value including the comps and everything. Check him
Speaker 6: out at Frank durand homes dot com. In fact, usually
Speaker 6: when you call up Frank answers Frank Durant Holmes dot com. Now,
Speaker 6: I promised I was going back to you, George. You
Speaker 6: said a company we used to advertise for that sold
Speaker 6: water heaters for thirteen ninety nine.
Speaker 1: It's euro Plumbing.
Speaker 6: And the only thing I wanted to correct you on
Speaker 6: is we still advertise for him. We don't do a
Speaker 6: ton of radio form right now, but they're still on
Speaker 6: our referral list. If you went to our referral list,
Speaker 6: you would have found him right there.
Speaker 9: I'm not really having a hard time with you referral list.
Speaker 9: Just like putting in like water heater, for instance, on
Speaker 9: a skirt or anything like that.
Speaker 6: I'm gonna try it right now. Hold on, I just
Speaker 6: want to see if they even come up. Hold on,
Speaker 6: hold on. We just had some other stuff. I'll tell you. You
Speaker 6: talk about a work in progress. Every time I fix
Speaker 6: something or have our people on the background fix something
Speaker 6: on it, it appears as something breaks, which is just
Speaker 6: mind blowing to me. One aspect of the search, and
Speaker 6: all of a sudden, I have another aspect with it.
Speaker 1: And what did you search water heater?
Speaker 7: Well?
Speaker 9: I couldn't even do it on a computer because it
Speaker 9: keeps on taking me to other websites. But when I
Speaker 9: do it on the phone, well you.
Speaker 5: Never don't Google it.
Speaker 6: You just go to waterheater or waterheater dot com. You
Speaker 6: just go to referral list dot com. The very first
Speaker 6: one that came up was euro Plumbing, then water pros,
Speaker 6: Apple Air, Father and Daughter Plumbing, Prime Plumbing, Time Plumbing,
Speaker 6: Aspen Meadows Plumbing, Done Plumbing, Plumbline fix it.
Speaker 9: I'll try my phone because something's going on my computer.
Speaker 9: It takes it websites not yours. When I say Tom
Speaker 9: like Commartino troubleshooter.
Speaker 6: Yeah, just go literally, just go to referral list dot com.
Speaker 1: One word. You can spell.
Speaker 6: It, however, I mean, just spell it correctly.
Speaker 1: But here's the deal. I'll give you the phone number
Speaker 1: right now. Bet, I have it up.
Speaker 6: Euro Plumbing is at I think it was a seven
Speaker 6: to zero. Oh, I'm on page two. Hold on, I
Speaker 6: feel like Tom all of a sudden, I'm trying to
Speaker 6: I'm trying to do something on the radio I shouldn't
Speaker 6: be doing on the radio.
Speaker 5: Okay, here it is.
Speaker 6: It is three h three six six eight sixty eight
Speaker 6: forty four euro plumbing. Yeah, I think it's thirteen ninety nine.
Speaker 6: It might have went up to fourteen ninety nine. They
Speaker 6: put two in my house last year. They also sell
Speaker 6: high efficiency stuff, fast recovery.
Speaker 5: How big is your house?
Speaker 9: Well, it's actually for the future. I've got five rentals.
Speaker 9: I'm going out of town.
Speaker 1: Oh you just want cheapis at?
Speaker 3: Yeah?
Speaker 9: I mean even preemptively change some of them out before
Speaker 9: there's a problem. But at least I'll have the number
Speaker 9: one I'm out of town.
Speaker 16: Yeah.
Speaker 6: You know what I do is I tell them, Hey, listen,
Speaker 6: I'm looking to get in three at one time. Can
Speaker 6: you do any better? I mean, see if they'll bargain
Speaker 6: with you. They're already so cheap. I don't know if.
Speaker 1: You can do anything.
Speaker 6: But I mean, really they do sell everything, but for rentals.
Speaker 6: I would just get a basic efficiency, get a forty
Speaker 6: gallon or a fifty gallon and call it done.
Speaker 3: Man.
Speaker 9: Yeah, yeah, all right, sounds good. Hey, appreciate it.
Speaker 6: I appreciate you holding so long to get a phone number. George,
Speaker 6: I really do three oh three seven one three eight
Speaker 6: two five five. Brian Compass Insurance, do we have any
Speaker 6: examples of money you guys have saved from listeners. It
Speaker 6: called in to the insurance help center and three oh
Speaker 6: three nine nine six nine thousand.
Speaker 8: Yeah, I have one here that I pulled out just
Speaker 8: because it was one of the things we talked about earlier.
Speaker 8: This person called there with Liberty Mutual and had been
Speaker 8: with them.
Speaker 1: For years at a big company. Yeah, Liberty Mutual is huge,
Speaker 1: got it?
Speaker 8: Uh? And it ended up where we moved them to
Speaker 8: auto owners. But they had home and auto. They had
Speaker 8: minimum liability. They only had what is minimy mind, so
Speaker 8: their liability limit on the auto insurance was twenty five
Speaker 8: thousand dollars per person. Yeah, fifty thousand per accident, fifteen
Speaker 8: thousand for property damage. That means so whatever they hit
Speaker 8: another car that they hit the most, their insurance would
Speaker 8: pay us fifteen thousand dollars.
Speaker 6: My god, you couldn't buy my door for fifteen thousand. Well, yeah,
Speaker 6: there's no cars out there that were There's nothing you
Speaker 6: can get fixed in a body shop for fifteen thousand. Right,
Speaker 6: So what happens in a case like that, I'll tell
Speaker 6: you what happens. If there's a lot of injuries and
Speaker 6: a lot of damage, if they find out you got
Speaker 6: a job and got some equity in your house.
Speaker 8: You're getting sued. You're getting sued. You've got to come
Speaker 8: out of pocket. Your insurance is even going to defend you.
Speaker 8: Because here's what happens. The insurance company looks at the
Speaker 8: damages and says, we'll pay out twenty five thousand max
Speaker 8: payout or fifteen thousand for the product.
Speaker 6: They don't even have to defend you in the lawsuit. No,
Speaker 6: what if they offer full amount.
Speaker 1: That's right.
Speaker 8: And so they pay the fifteen thousand in this case,
Speaker 8: and immediately the person can go and sue the individual out.
Speaker 6: Just think about that, to Matre, think about that shopper
Speaker 6: you run into somebody. I can think of a handful
Speaker 6: of cars, like a nineteen seventy nine Granada. You might
Speaker 6: not do fifteen thousand dollars worth of damage, but if
Speaker 6: you run into anything that's made in the last ten years,
Speaker 6: it's going to be over fifteen grand. I'd sue them
Speaker 6: if I ran in If you ran into May and
Speaker 6: did fifty grand worth of damage to my car or
Speaker 6: totaled it and all you had was fifteen thousand bucks,
Speaker 6: and especially if I had.
Speaker 1: Injuries, I'd call up John fuller.
Speaker 6: And I'll tell you right now, if John knew you
Speaker 6: had assets, he wouldn't take twenty five grand.
Speaker 1: He'd come after you. Oh of course.
Speaker 5: And by the way, there are a lot of insurance
Speaker 5: agents out there who don't explain that to people just
Speaker 5: because they want to be the cheapest option.
Speaker 1: They want to be genet.
Speaker 5: Sounds like the definition of malpractice within that industry.
Speaker 8: Yeah, and this one in particular, I think had been
Speaker 8: with livery mutual for and that's more of a direct type.
Speaker 1: It was twenty years ago. Maybe that was enough.
Speaker 8: It was maybe enough, but you don't have an agent
Speaker 8: with the livery mutual in this case. This was directly
Speaker 8: with the carrier. So you're kind of responsible to be
Speaker 8: checking up on your own insurance.
Speaker 6: What kind of homeowners did they have? Did they have
Speaker 6: ACV through? No, they did have a p sinach deductible,
Speaker 6: but that was the other.
Speaker 1: Part of this.
Speaker 6: How much was a percentage? Yeah it was one percent? Okay,
Speaker 6: so what's the house worth? Roughly it was six hundred thousand,
Speaker 6: So they have a six thousand dollars deductible, right, which
Speaker 6: is not out That's normal, But what ended up happening
Speaker 6: with auto owners normal nowadays.
Speaker 8: Nowadays it's normal auto owners. They moved them and got
Speaker 8: an umbrella, so they had now have one point five
Speaker 8: million of life.
Speaker 1: I mean they.
Speaker 6: Also went up to two fifty five hundred, That's what
Speaker 6: I mean. So they went from twenty five fifty yep
Speaker 6: to two hundred and fifty five hundred, right, and then
Speaker 6: they have an umbrella that picks up from there for
Speaker 6: how much?
Speaker 1: For another million?
Speaker 6: So now they have instead of twenty five thousand dollars
Speaker 6: in coverage, yeah, they have one point five million exactly.
Speaker 1: And did you save the money? A couple thousand is
Speaker 1: what this age?
Speaker 7: God?
Speaker 6: So you also saved so they have the coverage. I
Speaker 6: can't even factor that percentage, I mean, what the hell
Speaker 6: is that? Five thousand to one point five million is
Speaker 6: a butt load percentage A lot more, a lot more.
Speaker 6: So four times ten is forty twenty sixty times to
Speaker 6: the coverage, right, sixty times to coverage.
Speaker 1: And you saved them two grand, that's right?
Speaker 8: And how about the what kind of deductile? Now one
Speaker 8: percent that's the minimum with it's still six thousand deductive?
Speaker 1: What's the house in line?
Speaker 8: As far as evaluation, Well, they had twenty five percent
Speaker 8: extended replacement costs, meaning that if the house burned down,
Speaker 8: they'll go over the dwelling limits seven right now, it's
Speaker 8: fifty percent more.
Speaker 6: So that's even more coverage coverage, the more liability, more
Speaker 6: home coverage yep, better coverage yeah, and less month and
Speaker 6: saving them a couple thousand. See, people don't believe Listen,
Speaker 6: we have Brian in for a reason. This is a
Speaker 6: consumer show. I swear to god. Folks, if you've heard
Speaker 6: it before, just call them up. In fact, what other
Speaker 6: states our podcast is heard everywhere?
Speaker 1: Brian?
Speaker 6: I know you do because you do mile stuff in Nebraska. Yeah,
Speaker 6: and you do why because you do addy stuff yep?
Speaker 6: So where else?
Speaker 1: You know?
Speaker 8: Obviously what's primarily Colorado status? Arizona? Why is that because
Speaker 8: people a lot of people that have second homes there.
Speaker 8: So it's just a natural it just works that way. Yeah,
Speaker 8: we get a ton of business for Arizona.
Speaker 6: You've got Arizona, Wyoming, Nebraska, of course, Colorado, Utah.
Speaker 1: Then we're licensed in Texas. How about New Mexico? We're
Speaker 1: licensed in New Mexico.
Speaker 6: Listen to anybody out there listening, and they're going to
Speaker 6: be the first ones to tell you if they can't
Speaker 6: save you money. I swear to God. I swear to God.
Speaker 6: In fact, last year, Brian knows this. I shop Farmers
Speaker 6: in State farm because mine came up so much higher,
Speaker 6: simply because we live in the woods.
Speaker 5: It's the way it is.
Speaker 6: And I tried the other ones, and I simply couldn't
Speaker 6: get better coverage.
Speaker 1: I simply couldn't get it.
Speaker 6: You still had the best coverage no matter how I
Speaker 6: look at it. Three oh three nine nine six nine thousand.
Speaker 6: We got some lines open, By the way, I'd love
Speaker 6: to hear from you. Three zero three Martino.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com.
Speaker 16: You don't pay a cent until you're contenth.
Speaker 12: Time for an insurance checkup, free no obligation comparison call
Speaker 12: Compass Insurance paying too much your coverage at dozens of
Speaker 12: insurance companies find out now three oh three seven to
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
Speaker 12: com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two all right.
Speaker 6: Three oh three seven one three eight two five five.
Speaker 6: You've been ripped off for taking advantage of We want
Speaker 6: to hear from you. We got lines open now now, Dmitri,
Speaker 6: you said you had some questions for Brian. We already
Speaker 6: had one that he saved two thousand a month and
Speaker 6: got him such.
Speaker 1: Higher coverage year two thousand a year.
Speaker 8: Just two thousand years, two thousand month would be a
Speaker 8: really good Well.
Speaker 6: One was thirty thousand, Yeah, yeah, they were thirty thousand.
Speaker 6: That's over two thousand a month. Yeah, hey, and really
Speaker 6: quick before you go to those questions. We were kind
Speaker 6: of talking during break. Brian said, I'm surprised people didn't
Speaker 6: call up about the Family Leave Act, and I think
Speaker 6: people are just complicit. Now, I actually don't understand something
Speaker 6: Dragon was telling us. He remembers his story from last
Speaker 6: year and how much gets taken out of the check
Speaker 6: point nine percent total.
Speaker 15: So it's point four to five from you, point four
Speaker 15: to five from your employer.
Speaker 6: And then that's what covers you if you're gone for
Speaker 6: up to three months family leave for whatever reason. In fact,
Speaker 6: I think you could have you could say you're having
Speaker 6: a mental breakdown and be able to leave, right.
Speaker 1: I mean, I don't think it's pretty much anything.
Speaker 15: Yeah, if even if your spouse or kid gets sick,
Speaker 15: you can take take the time off.
Speaker 6: So and you get paid for three months. Your company
Speaker 6: can't fire you for that amount of time. Now you
Speaker 6: don't get paid everything. And someone looked up the maximum
Speaker 6: was like eleven hundred a week.
Speaker 8: Yeah, and it was you know, the lower waged people,
Speaker 8: you can make up to ninety percent of your income,
Speaker 8: but no more than that eleven hundred.
Speaker 1: So the dragon said they went broke.
Speaker 15: I'm pretty sure they went broke after a couple of
Speaker 15: months last year in twenty twenty four. According to this
Speaker 15: is family dot Colorado dot gov.
Speaker 1: So where they hell the money goes?
Speaker 15: They paid out almost seven hundred million dollars.
Speaker 1: And they didn't collect close to that. I don't believe
Speaker 1: they collected money.
Speaker 5: So it is our tax money, go of course it
Speaker 5: is mark where else is this state going to get money?
Speaker 6: Okay, they passed the bill for for the kids to
Speaker 6: eat free food, and you know what if the kid's
Speaker 6: parents Okay, de drives me insane.
Speaker 1: People.
Speaker 15: Now, when we voted on it, they did project that
Speaker 15: they would collect somewhere around a billion dollars.
Speaker 6: Yeah, but not in two months. So but here's the
Speaker 6: one with the food that kills me. If a kid
Speaker 6: can't afford food, well, my god, give them free lunch.
Speaker 1: I have no problem with that.
Speaker 6: But to buy free lunch for every kid is the
Speaker 6: dumbest thing I ever heard. Why am I buying Bill
Speaker 6: Gates kids free lunch? Why are you buying my kids
Speaker 6: free lunch when they were in school? Well, actually they
Speaker 6: didn't have it there, but it was another thing the
Speaker 6: Democrats passed here, and of course the damn thing went broke,
Speaker 6: and now the kids it should be getting free lunch
Speaker 6: are probably not going to be getting free lunch because
Speaker 6: you're just stupid here.
Speaker 5: Think about that.
Speaker 1: Why would a rich kid get free lunch?
Speaker 5: Yeah? Well, there isn't really much to think about. I mean,
Speaker 5: there is no logical connection between zero logical free lunch
Speaker 5: for poor kids, which you understand and support, but free
Speaker 5: lunch for everybody really doesn't seem to make much sense.
Speaker 5: What is the justification?
Speaker 6: The only justification I can come up with is do
Speaker 6: I owe.
Speaker 5: You a forty five?
Speaker 1: Or no? No, I do owe you a forty five? Lord,
Speaker 1: have mercy.
Speaker 6: Listen, here's the only justification I can come up with.
Speaker 6: One They don't want the kids that are getting the
Speaker 6: free lunch to be made fun of or feel funny
Speaker 6: about getting a free lunch.
Speaker 5: Yeah, I totally understand that, Like it could be stigmatizing.
Speaker 5: So just have everyone scam their students. That's what they do.
Speaker 5: Everyone should get scammed.
Speaker 6: That's what my kids did. You couldn't tell now. Back
Speaker 6: back in the day when I went, the free lunch
Speaker 6: kids had a punch card. Everybody knew who the free
Speaker 6: lunch kids were because guess what, we didn't have computers
Speaker 6: running the lunchline. We literally had the old lunch lady
Speaker 6: that was mean as go get out, and the free
Speaker 6: lunch people had punch cards. That's how our cafeteria. And
Speaker 6: guess what the popular kids said at one table. Yeah,
Speaker 6: it was all back in the day. I get it's
Speaker 6: different now, but nowadays my kids, we'd have to load
Speaker 6: up a lunch card with cash and everybody used the
Speaker 6: same payment method. It's not like the free lunch kids.
Speaker 6: You could tell everybody had the exact same card. So
Speaker 6: I row that argument of a stigma, stigma stigmatizing. See
Speaker 6: you said it like I was going to say it.
Speaker 6: Brian Mark, You're forgetting stigmatizing.
Speaker 17: Mark, You're also forgetting that. They also provide breakfast.
Speaker 1: Yeah, I know for everybody.
Speaker 5: Oh there's also after school dinner programs too, and if.
Speaker 1: The kids need it, God bless them, they should have it.
Speaker 5: No, No, I totally agree. But now the technology exists
Speaker 5: to keep the poor kids from getting stigmatized with a
Speaker 5: free lunch, they should employ that technology and provide the
Speaker 5: free lunch to them and charge your kids one and
Speaker 5: a half times the regular price.
Speaker 6: Well wait a minute, just you just stopped here. I
Speaker 6: was following you up till that last part. That last
Speaker 6: part I distributed. No, I don't mind helping people eat
Speaker 6: that simply can't eat, especially kids. But you know that's
Speaker 6: a whole other conversation, like are the parents actually working
Speaker 6: or are they drug addicts? Or where are we there
Speaker 6: because maybe the kids, maybe the kids need new parents.
Speaker 12: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 12: dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free no obligation comparison
Speaker 12: call compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three all three seven
Speaker 12: to seven to one. Help you'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate man
Speaker 12: dot Com to list your home with Remax Alliance three
Speaker 12: all three nine two zero sixteen twenty two.
Speaker 6: All right, folks, three oh three seven one three.
Speaker 5: Eight two five five.
Speaker 18: Dave.
Speaker 6: Issue with the dui car accident, Dave, listen, We're going
Speaker 6: to be going to the long break, but I'm gonna
Speaker 6: take plenty of time with you if we got to
Speaker 6: get an attorney on to help you. In fact, I'll
Speaker 6: ask you real quick. I got about twenty seconds. Give me,
Speaker 6: give me in a nutshell with the issue.
Speaker 18: Is I do?
Speaker 9: Mark?
Speaker 18: My wife involved a hit run accident and the guy
Speaker 18: that took him the detox.
Speaker 5: The car was total, So your car was totaled.
Speaker 6: The other guy was drunk and taken to detox. Right right,
Speaker 6: all right, hold tight, we're.
Speaker 1: Gonna dive into it.
Speaker 6: Hopefully the guy at least had insurance, but we're gonna
Speaker 6: find out after the break.
Speaker 1: Look, we got another hour to go.
Speaker 6: I want to hear from you any comments you have,
Speaker 6: any problems you have. Three zero three Martino, don't forget
Speaker 6: that number works on and off the air. Tell your neighbors,
Speaker 6: Tell your friends. We love helping, We love talking to people.
Speaker 1: You can email us at.
Speaker 6: Help or Troubleshooter dot com three oho three Martino.
Speaker 1: See you on the other side of this break.
Speaker 12: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 12: dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation comparison
Speaker 12: call Compass insurance paying too much your coverage. We had
Speaker 12: dozens of insurance companies find out Now three all three
Speaker 12: seven to seven to one Help. You'll think you're his
Speaker 12: only customer when you choose Frank durand the real estate
Speaker 12: Man dot com to list your home with Remax Alliance
Speaker 12: three all three nine two zero sixteen twenty.
Speaker 5: Two ripped up.
Speaker 16: New need that who you don't have?
Speaker 4: Come running as fast as we can shoot. That's gonna help.
Speaker 18: Come man, This is.
Speaker 1: The Troubleshooter Show. No Tom Martina, my friends to the
Speaker 1: only show off.
Speaker 6: It's cand We're here to solve problems, answer questions, take complaints.
Speaker 6: Education is very important. We've been talking insurance today and
Speaker 6: I mean it, folks. If you've been listening to the show,
Speaker 6: it is so important you check that insurance for so
Speaker 6: many different reasons. Brian Burns has been with us. He
Speaker 6: went over a couple examples, and I just to go
Speaker 6: over one real quick.
Speaker 1: Then we're going to go back with Dave.
Speaker 6: But the people called up, they had assets, they have
Speaker 6: a house, they only had twenty five thousand dollars in
Speaker 6: liability coverage, and they didn't have an umbrella. Basically, if
Speaker 6: they hit somebody and they were at fault, they would
Speaker 6: probably get sued and lose everything they have. And seriously, Brian,
Speaker 6: it's crazy. Oh yeah, and now you guys have quoted out,
Speaker 6: they're gonna have better insurance, they're gonna have liability going
Speaker 6: up to one point five million dollars, and they're going
Speaker 6: to have better coverage on their house because it's it'll
Speaker 6: go fifty percent over if it's a total loss instead
Speaker 6: of twenty five percent extended coveragep And you saved them
Speaker 6: two thousand dollars a year, two thousand dollars a year. Yep,
Speaker 6: it's crazy people. If you don't do it, you're nuts.
Speaker 6: He's going to shop thirty companies for you. Call them
Speaker 6: up now. Three oh three nine nine to six nine thousand.
Speaker 6: I get so many calls from people that save so
Speaker 6: much money, but more importantly, it's the people that are
Speaker 6: under insured. I feel bad for because if anything ever happens,
Speaker 6: and the people that have actual cash value on their
Speaker 6: roof that think if there's a hailstorm, they're only going
Speaker 6: to be a couple thousand out of pocket, when in
Speaker 6: reality they could be paying for the entire roof, like literally,
Speaker 6: or people that the replacement cost of their house five
Speaker 6: to eight hundred thousand has a two percent deductible on
Speaker 6: a roof, so you're deductible could be twenty.
Speaker 8: Thousand dollars, right, Yeah, And the actual cash value portion
Speaker 8: is where it really gets them, because people have a
Speaker 8: roof that's twenty years old and they if they have
Speaker 8: actual cash value, they essentially have no coverage because it's
Speaker 8: already lived its life.
Speaker 5: No, it is, because basically that's it.
Speaker 6: If the roof cost twenty and it's twenty years old,
Speaker 6: the roof is deemed useless, right, I mean even though
Speaker 6: it's still covering your house, but there's no value to the.
Speaker 1: Roof, There is no cash value.
Speaker 6: And if it's ten years old in your roof twenty,
Speaker 6: they're gonna cut you check for ten thousand.
Speaker 8: Well, no, because then they assess the deductible you have
Speaker 8: on your policy.
Speaker 6: Tea of course, So I mean you might have zero
Speaker 6: coverage again, right, people, I swear, just do it if
Speaker 6: you haven't done it. Brian shops for Susanne and I
Speaker 6: every single year for our car insurance, are ourv insurance,
Speaker 6: our motorcycle insurance, our business insurance, our homeowner's insurance, our
Speaker 6: kids renters insurance. My god, do I spend a lot
Speaker 6: of money on insurance. Boy, that's depressing just thinking about it.
Speaker 6: That's part of our life though. If something ever happens
Speaker 6: and you don't have the coverage, your entire life changes.
Speaker 8: Yeah, especially those liability losses. I mean you know that
Speaker 8: you just aren't accounting for it.
Speaker 6: A good attorney O come after you. And the umbrella
Speaker 6: you found for us. I think it's a two million
Speaker 6: dollar umbrella and it actually extends a are. Yeah, I
Speaker 6: do have this right are Uninsured driver insurance, unassured motorists,
Speaker 6: uninsured motorists is so important and people, I'm going to
Speaker 6: tell you something. If you don't have it, you're absolutely crazy.
Speaker 6: And I'm going to talk to people that are out there,
Speaker 6: the average person where the family's making one hundred thousand
Speaker 6: or less in Colorado. You have a house, you might
Speaker 6: not even have a lot of equity in it. But
Speaker 6: I want to tell you why it's so important. You
Speaker 6: get hit by Joe Blow, and Joe Blow's only got
Speaker 6: twenty five thousand dollars of insurance. That's going to pay
Speaker 6: for basically your broken leg, your ability to work, your
Speaker 6: life changing brain brain injury you now have. And you
Speaker 6: think you're going to live off twenty five thousand, you're
Speaker 6: absolutely insane. Your life just changed forever and you have
Speaker 6: twenty five thousand dollars to live off of. That's where
Speaker 6: that coverage comes in. That coverage is not for anybody else.
Speaker 6: It's not for your liability. It's for you and your family.
Speaker 6: If someone hits you with no insurance or the or
Speaker 6: the minimal or anything, that's where it kicks in. And
Speaker 6: we have personally, we have two point five million dollars
Speaker 6: of that coverage with the umbrella.
Speaker 8: Yeah, well you have a million because you can only
Speaker 8: get an excess of one million on the umbrella.
Speaker 1: But got it.
Speaker 8: But the point is, I can't tell you how common
Speaker 8: it is to see people, especially like if they're with Geico,
Speaker 8: where they've done their own insurance and they'll pick out
Speaker 8: the cheapest. Well, they go two hundred and fifty thousand,
Speaker 8: let's say on liability, So they're protecting other people or
Speaker 8: a lot themselves, But then they have twenty five thousand
Speaker 8: for uninsured.
Speaker 1: Moment, My god, that's stupid. Yeah, it's I think about that.
Speaker 6: You're you're willing to pay out and protect other people
Speaker 6: up to two hundred and fifty thousand, but you only
Speaker 6: have twenty five thousand if you get hit by somebody
Speaker 6: with no license and no.
Speaker 1: Insurance up or even crappy insurance.
Speaker 6: Right, if they have the general Let me tell you,
Speaker 6: if someone hits you, Dmitri and they pull out a
Speaker 6: card that is proof of insurance and it says a
Speaker 6: general on it. Now, look, I'm being a little overboard here,
Speaker 6: but my guess is they have the state minimal.
Speaker 8: I would say there's a high probability that they have
Speaker 8: the same.
Speaker 5: I bet on it.
Speaker 6: All day long, Yeah, and I win all day long. Hey,
Speaker 6: so Dave, talk about insurance. Your wife was hit by
Speaker 6: a drunk guy hit your car. Does your wife have injuries?
Speaker 5: Yeah?
Speaker 18: I got Roma's law on it, and I have that
Speaker 18: insurance you're talking about okay, and they're going to the card.
Speaker 18: But the guy hit and run, yeah, right, and he
Speaker 18: came back now or later, and he was drown high
Speaker 18: and all that, and.
Speaker 1: Well, what kind of moron?
Speaker 6: Hold on, First of all, it's a hit and run,
Speaker 6: But what kind of moron would come back to the
Speaker 6: scene drunk as hell?
Speaker 1: I mean, why.
Speaker 18: Why he lived right in front of the house that
Speaker 18: right from his house is coming out of his driveway?
Speaker 18: Head on and keep all my wife?
Speaker 1: Oh my god? Did she have injuries?
Speaker 9: Yes?
Speaker 1: So let me ask you something. Did she go to
Speaker 1: the hospital?
Speaker 3: Yeah?
Speaker 1: First nine, did you hire an attorney?
Speaker 18: I got Roma's law almost Roma's law.
Speaker 1: I don't even know Romos. He's the guy.
Speaker 6: He's got like a Ramos. That's why I didn't recognize him.
Speaker 6: He's like a doctor and an attorney or something. Oh okay,
Speaker 6: So what's your question for us?
Speaker 5: Dave?
Speaker 18: While was daring, you're having a conversation about get a lawyer?
Speaker 3: Go after because.
Speaker 18: It's just mom's car. Yeah, I want to see if
Speaker 18: I'll be wheel see if the mom has it. They
Speaker 18: can't put no insurance on the car. I mean, they
Speaker 18: didn't comp and get the report. They just put in
Speaker 18: a detox and heave Dave.
Speaker 6: This is exactly what we were just talking about. So
Speaker 6: I'm going to ask you do you have underinsured coverage
Speaker 6: and how much is it for?
Speaker 18: I got two hundred thousand policy.
Speaker 6: That you're not answering the question though, what is it called?
Speaker 6: Brian YOUM and what.
Speaker 8: M uim so uninsured motors? This is for her damages,
Speaker 8: her injuries. That's what we're talking about.
Speaker 6: So if this guy hits you and he had no insurance,
Speaker 6: and you're saying he had no insurance, right.
Speaker 18: I don't know the content put on the report.
Speaker 1: Well okay, well let's hope they do have insurance.
Speaker 6: But even if they don't, if you guys have uim M,
Speaker 6: you're going to be covered from your own insurance company
Speaker 6: for what he did.
Speaker 18: Right, I've done that. I have another card too out
Speaker 18: of Corbett and I was hit okay T and I
Speaker 18: had injuries that got two stick disk of my neck
Speaker 18: got it. I had to go out to my insurance
Speaker 18: company and they paid out one hundred and forty grand.
Speaker 3: Nice.
Speaker 1: Perfect. That's what exactly what this insurance is for.
Speaker 18: If I fall another claim against them, won't that be
Speaker 18: two claims?
Speaker 8: That can to me, No, because those are not at
Speaker 8: fault claims. ARS claims are not are not chargeable.
Speaker 6: They absolutely can't. I'm going to tell you something else, Dave.
Speaker 6: I'm glad you hired an attorney because some people think,
Speaker 6: because I'm dealing with my own insurance company, I don't
Speaker 6: need an attorney. You're crazy to think that you hire
Speaker 6: an attorney just like you did, even though part of
Speaker 6: it's probably going to be on your own insurance company.
Speaker 6: But like Brian said, and we talked about it first hour,
Speaker 6: for all the new listeners, now listen to this.
Speaker 5: In the state of.
Speaker 6: Colorado, if you put in acclaim and you're not at fault,
Speaker 6: maybe you ran into a deer, maybe it hailed, maybe
Speaker 6: what else, Brian, If it's not your fault, someone ran
Speaker 6: into you and took off, anything like that. If it's
Speaker 6: not your fault, then they cannot penalize you.
Speaker 1: For it, exactly.
Speaker 8: Yeah, you're in other words, if you're if you're getting
Speaker 8: your renewal rate, your rate's not going to go up
Speaker 8: because of this, nor are they going that's a statute, right, Yeah,
Speaker 8: I don't I know Colorado, you can't charge for not
Speaker 8: a tea.
Speaker 6: You simply can't. They're not allowed to, so they can't
Speaker 6: cancel you, Dave, Do you got any other questions?
Speaker 3: No?
Speaker 18: And I swapped the insurance coming and I got my
Speaker 18: first ball in my first acts in my corvette. Uh,
Speaker 18: that went back to Progress and they took me back.
Speaker 18: So now I'm paying like six seven hundred dollars a month.
Speaker 18: Yeah for this accident. I'm I'm going to go.
Speaker 8: Up again or no, no again, this accident it's not
Speaker 8: at falsehood. Your rate won't be won't be. You won't
Speaker 8: be penalized on your rate because of it.
Speaker 6: You will not be at all. Three oh three seven one,
Speaker 6: three eight two five five. Uh, we got a couple
Speaker 6: of lines open three oh three, Martino CHRISTI, you're next.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies. Find out now three oh three, seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the Real Estate man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 6: You know, I was watching Easy Money over the weekend.
Speaker 6: Rodney Dangerfield the funniest line. I mean, this movie's old.
Speaker 6: I mean Rodney Dangerfield died God quite a while back. Honestly,
Speaker 6: I'm such a funny man though, just so funny. His
Speaker 6: favorite line is so, if you haven't seen the movie,
Speaker 6: I suggest you see it.
Speaker 1: But here's the bottom line. His mother in law dies
Speaker 1: and in.
Speaker 6: The will, the will says, you get a buttload of money,
Speaker 6: millions of dollars, but you can't drink, gamble woman eyes,
Speaker 6: smoke and smoke cigarettes or drugs for one year. So
Speaker 6: he's got to be perfectly clean for one year. Then
Speaker 6: he gets millions of dollars, and his first question out
Speaker 6: of his mouth after they say that, he goes and
Speaker 6: they say he can't. During clicker, he goes, yeah, that
Speaker 6: doesn't beer doesn't count, right, that would be my first
Speaker 6: question too. It's like, well, you don't mean beer, right,
Speaker 6: You're talking hard alcohol.
Speaker 5: And so the movie is just.
Speaker 6: Hilarious if you haven't seen it. I'm not going to
Speaker 6: give away the ending. There's a lot of people that
Speaker 6: haven't seen it. And if you haven't gone back and
Speaker 6: visited it, you've seen it.
Speaker 5: Oh, I saw it when it first came out, and
Speaker 5: now that you mentioned, I remember it was hilarious. I
Speaker 5: really want to see it again.
Speaker 6: You've got Joe Peshy. Oh, he's great. He's a little
Speaker 6: guy there.
Speaker 5: He his best friend.
Speaker 6: You add some questions for Brian. What do you got
Speaker 6: to Metri? Hit them between the ice.
Speaker 1: Let's stump. Let's stump the insurance guy, Brian.
Speaker 5: My homeowner's policy covers the interior contents of my personal
Speaker 5: possessions for their replacement value. So if the house god
Speaker 5: forbid burns down, how do I go about proving that
Speaker 5: I had eighteen pair pans or Yeah? And how do
Speaker 5: they know I didn't just sneak in like six rolexes?
Speaker 5: You sure it wasn't eight? Yeah? How does something like
Speaker 5: that work?
Speaker 8: There are limitations for things like jewelry that are not
Speaker 8: covered underneath that personal property limit, or there's limited to
Speaker 8: let's say one thousand dollars or something something with cash and.
Speaker 7: Part.
Speaker 5: But all my regular stuff, the furniture, the clothes, computer, Yeah,
Speaker 5: if I get a TV or something, so I will
Speaker 5: tell people.
Speaker 8: For my recommendation is to choose your phone, go around
Speaker 8: your your quick video, just to it's not just to
Speaker 8: prove it for the insurance company, but I say, when
Speaker 8: you lose everything, it's really hard to remember what you
Speaker 8: had in a lot areas you're you're trying to remember.
Speaker 8: But if you have a video and you just went
Speaker 8: through losing everything, yeah, and so you're not remembering, oh
Speaker 8: I did have this base, this lamp, this, whatever it
Speaker 8: might be.
Speaker 6: To add on to that question, if we just redid
Speaker 6: our master bathroom, so prior to doing that, I mean
Speaker 6: it was, let's just all it builder grade.
Speaker 1: So if someone remodels their kitchen.
Speaker 6: And you know, they go way over the original so
Speaker 6: it's no longer builder grade, it's custom cabinets and granted
Speaker 6: and blah blah blah, Like, how do you prove that
Speaker 6: to the insurance company.
Speaker 8: Well, first off, you need to be having a conversation
Speaker 8: with your insurance company to make sure they're updating the
Speaker 8: twelfth Thank.
Speaker 6: God, I just did everybody marked that. Dad, I just
Speaker 6: told him I never would have thought that that's true.
Speaker 1: Yeah.
Speaker 8: So if you're doing things like upgrading a kitchen, you're
Speaker 8: because as you know, whenever you upgrade a kitchen, you
Speaker 8: could go from something that would have cost one hundred
Speaker 8: thousand replace to five hundred thousands. I mean, you know
Speaker 8: you can. You can really make that big a difference.
Speaker 8: So part of the language of an insurance policy, especially
Speaker 8: for that extended replacement cost, is that you have to
Speaker 8: be up to.
Speaker 1: Date with your home value.
Speaker 8: Do I literally just tell you, yeah, you'd say, hey,
Speaker 8: I'm just having I'm updating my because we've.
Speaker 6: Done like literally we've done every bathroom in the house,
Speaker 6: and we've done the living room or not the living room,
Speaker 6: the laundry room, and as of right now I even
Speaker 6: showed you that picture, we're adding hardwood to a bunch
Speaker 6: of other areas of the.
Speaker 8: House, right and you know, just to distinguish if you
Speaker 8: were just refinishing your hardwood or replacing the hardwood, No,
Speaker 8: we're talking adding, no adding. And that's where you have
Speaker 8: to kind of communicate if it's going to increase the
Speaker 8: cost of reconstruction, that's one thing. If but sometimes people
Speaker 8: will call and they're really not making it. You know,
Speaker 8: they're not changing the value of it other than they're
Speaker 8: replacing with new things that you don't really have to
Speaker 8: do anything with because you're already doing replacement costs.
Speaker 1: How about a new furnace.
Speaker 6: Let's say you add an eighty percent and you go
Speaker 6: crazy and buy the mac Daddy furnace.
Speaker 1: Do you got to report that or no, you wouldn't
Speaker 1: have to go that granular.
Speaker 8: It's really I mean the big things to remember, like
Speaker 8: if you're having your basement finished and it wasn't finished before,
Speaker 8: that's important you communicate that because with a replacement cost customer,
Speaker 8: you have to update your dwelling limits so that you
Speaker 8: can keep that extended replacement coming.
Speaker 6: Or like when we built the r V garage, Yeah,
Speaker 6: I mean that's a whole structure.
Speaker 8: Well, and if it's a if it's an RV grudge
Speaker 8: or a separate structure from our home, you absolutely need
Speaker 8: to talk. Because the insurance policy only covers you for
Speaker 8: ten percent.
Speaker 1: Of other ships. You went over that with us, I
Speaker 1: remember that.
Speaker 8: So we actually added the cover GeOH.
Speaker 5: Thanks Brian, so so a video sufficient proof and then
Speaker 5: I would just say, look, see I'm walking through the
Speaker 5: closet that's actually like thirty two shirts.
Speaker 8: Yeah, they're not going to work for that. Yeah, they're
Speaker 8: not good unless they're all our money. Yeah, that's where
Speaker 8: things start getting There can be fraudulent activity if you
Speaker 8: start claiming that everything you have is top of the line,
Speaker 8: yet there's no proof of you buying any of that.
Speaker 8: That's where questions come into play. So if people try
Speaker 8: to abuse it, you'll start seeing that. That's where an
Speaker 8: insurance company.
Speaker 6: Is really in my case, would say, mister Major, every
Speaker 6: shirt in there we've seen at Costco or they just
Speaker 6: show a quick video of every shirt that he's like, literally,
Speaker 6: mister Major, you're wearing that same Hurli shirt today.
Speaker 1: Uh no, So that's a great question. Thought what else?
Speaker 5: Well, you know, I thought it would be really fun
Speaker 5: to hear about some of the scams that you heard about.
Speaker 1: Oh, it is one of your clients ever been caught
Speaker 1: and that?
Speaker 5: Yeah, maybe not necessarily one of your clients if you
Speaker 5: have some confidentiality issues, but if you're really interested to
Speaker 5: hear about how some people try to scam their insurance come, Yeah.
Speaker 6: Like what's the big one? Just lying about the Armani
Speaker 6: suits or something.
Speaker 8: Yeah, I mean you'll have I've had someone that called
Speaker 8: and said they were adding a car and the next
Speaker 8: day made a claim for the entire car being stolen.
Speaker 6: So they are oh my god. So basically they already
Speaker 6: racked it then put insurance on it.
Speaker 8: Yeah, and then or they're saying it was stolen, and
Speaker 8: yet they there's no police report. No, that's gone. The
Speaker 8: car is gone. So they're trying to collect on the
Speaker 8: value of a new CD they collect. Uh, well it
Speaker 8: went underneath this particular case. Uh, it got you know, insurance.
Speaker 8: Uh investigated, Uh, and they found that the that it
Speaker 8: was all fraudulent.
Speaker 1: It was what's the guy's name, Mark Majors.
Speaker 5: Though they so are you saying there was no car.
Speaker 8: No, he had had fictitious paperwork that he had purchased
Speaker 8: this vehicle. It was a private it was purchase, it
Speaker 8: was all. It was all that's elaborate.
Speaker 5: Think about how much.
Speaker 6: Think of how elaborate and honestly, how stupid it is.
Speaker 1: Yeah. Did he literally add it in a day later?
Speaker 1: It was within it was within a week. Can't up. Yeah.
Speaker 6: I would guess if you ever added something within a week,
Speaker 6: they would investigate a little.
Speaker 8: Yeah, they're going to look into it. And when you're
Speaker 8: you can't prove, I mean, you have some paperwork, but
Speaker 8: it's a private seller. Uh, it was pretty quick. That
Speaker 8: they started investigating.
Speaker 1: It's like when the.
Speaker 6: Husband did disappears and the wife just bought life insurance
Speaker 6: on Friday and he he happened to disappear at the
Speaker 6: lake on Wednesday. I mean, it's going to raise some
Speaker 6: eyebrows on that two million dollar life insurance, right ron.
Speaker 5: What about alternative housing? So let's say to continue with
Speaker 5: this example. The place burns down, yep, and I mean
Speaker 5: it might be a couple of years until it's rebuilt.
Speaker 5: What is the insurance company supposed to do in terms
Speaker 5: of paying for where I get to live? What standard?
Speaker 5: What is my living standard?
Speaker 7: Like?
Speaker 5: Are they going to move me into the tiniest, cheapest
Speaker 5: motil s.
Speaker 1: Is it going to be Motel six? Can I get
Speaker 1: a nice house?
Speaker 8: Well, it has to be like value, so nice if
Speaker 8: you're gonna But there is a limitation on your policy
Speaker 8: too that you would have to look, especially on a
Speaker 8: condo or an H six policy. It's a dollar amount
Speaker 8: that you have to add in there, and so you
Speaker 8: might have very little country.
Speaker 1: Give us an idea of one, like what do I
Speaker 1: have to you.
Speaker 8: Know, well, yours is on a home policy, it's usually
Speaker 8: a thousand a day. No, no, no, no, it's usually a
Speaker 8: twenty four month actual loss sustained, so you don't have
Speaker 8: a limitation. In other words, some policies have a ten percent.
Speaker 6: Technically, if my house burned down for two years, I
Speaker 6: could move into a house like mine while my house
Speaker 6: was being rebuilt.
Speaker 8: Well, I'm not looking at your policy, but yeah, that
Speaker 8: could be. You might have a ten percent of your
Speaker 8: dwelling limit. It might be a dollar amount, got it.
Speaker 8: So let's say you have a million dollar house, you're
Speaker 8: going to have ten yeah, to be able to pay
Speaker 8: for your your loss of use. But on a condo
Speaker 8: or an an h Oo six policy, you actually will
Speaker 8: see that a lot of times. It doesn't have as
Speaker 8: much coverage as you think you might have, So you
Speaker 8: got to look at what that dollar amount is.
Speaker 1: But they like an idea though, like maybe only ten grand.
Speaker 8: No, no, I was going to say, I just I
Speaker 8: saw one of these within the last couple of weeks
Speaker 8: where someone's condo policy came in and they had like
Speaker 8: five thousand dollars of loss of year and that's it,
Speaker 8: and that's it. So if something happens, the most they're
Speaker 8: going to pay is five thousand dollars.
Speaker 6: Think about that. So your neighbor on top of you. Yeah,
Speaker 6: it leaks and destroys your unit. Oh yeah, and I
Speaker 6: mean you could literally only be looking at five grand
Speaker 6: to stay somewhere.
Speaker 5: Yeah yeah, all right, Well you and I are going
Speaker 5: to go over my policies yep, with a fine tooth calm,
Speaker 5: because I would like to get an on their critique.
Speaker 5: I have no confidentiality requirements, so just don't tell people
Speaker 5: where I live. But yeah, I would love to, so
Speaker 5: next time you're here, prior to that, I'll provide you
Speaker 5: with my auto own home policies.
Speaker 6: But let's talk business real quick. You found us a
Speaker 6: troubleshooter network. I got to take a break after this,
Speaker 6: but this was crazy. When you think a workman's comp
Speaker 6: almost anybody listening we've heard it Pinnacle. In fact, I
Speaker 6: basically thought they were state run for a while, because
Speaker 6: Pinnacle is huge for a workman's comp. In fact, i'd
Speaker 6: say they probably do what do you think, Brian, eighty
Speaker 6: percent of the business in Colorado.
Speaker 1: Well, and they were quasi state run. I didn't know that.
Speaker 8: Yeah there was a state run that. It's a tax
Speaker 8: issue that they had. Yeah, okay, I didn't know that.
Speaker 8: So but the bottom line was I always thought they'd
Speaker 8: be the cheapest because they were the biggest, and you
Speaker 8: found us. I forget who it was because we don't
Speaker 8: have employees anymore, but it was who.
Speaker 1: The hell was it was? It hart Hartford.
Speaker 6: It was Hartford, so it was way cheaper. But then
Speaker 6: I learned a lot about codes. And what I mean
Speaker 6: by that is, if you have an office building in
Speaker 6: employees that are whatever, salespeople and they stay in the office,
Speaker 6: your workmen's comp has a certain code to that industry,
Speaker 6: and Pinnacle could very well be the cheapest by far
Speaker 6: for that industry. But then if you go over to
Speaker 6: something like my Goodyear stores back in the day or
Speaker 6: my computer stores back in the day, Hartford.
Speaker 1: Might be cheaper than Pinnacle.
Speaker 6: So it's really code driven professional versus like a blue
Speaker 6: collar type thing. I mean, it's kind of remarkable. If
Speaker 6: you have a bunch of accountants working for you, it
Speaker 6: could be way cheaper to go through Pinnacle.
Speaker 1: But if you have a bunch of technicians.
Speaker 8: Or car repair people, it might be cheapers or whatever.
Speaker 8: It might be roofers, those kinds of things. Yeah, you
Speaker 8: got to find you got to be It really matters
Speaker 8: of what that class code is it really does?
Speaker 6: And then like a company like Excel Roofing, great company,
Speaker 6: they did my roof What typically does it roofer.
Speaker 1: Have for insurance? Well, yeah, I mean workers compets, you know.
Speaker 6: I mean more or less for like liability, what is
Speaker 6: that called? In my world in it was called garage keeper.
Speaker 8: Oh yeah, no, you're just talking about a general liability.
Speaker 8: And then there's a professional element. So if they make
Speaker 8: mistakes and you want none of them have to carry this.
Speaker 8: But if they want to provide insurance to protect their
Speaker 8: work like what they do, that's that's a professional liability.
Speaker 6: And they can add their subs onto their policies so
Speaker 6: you know you're protected. So if someone does come, we're
Speaker 6: going to have hail season here. And I know like
Speaker 6: Excel gives every customer everything. Anybody at that house is
Speaker 6: insured one hundred percent if you're dealing with Excel Roofing.
Speaker 1: But if you're not dealing with them, and it's.
Speaker 6: Joe Blow knocking on your door after a healstorm, what
Speaker 6: should people ask for? Like prove to me you have coverage,
Speaker 6: but you also want to make sure the subs have.
Speaker 16: Go with a sure thing.
Speaker 12: Denver's Best Roofer Excel Roofing dot com. You don't pay
Speaker 12: a cent until you're content. Time for an insurance check
Speaker 12: up free, no obligation. Comparison call Compass Insurance paying too
Speaker 12: much your coverage at dozens of insurance companies find out
Speaker 12: now three oh three seven seven to one help. You'll
Speaker 12: think you're his only customer when you choose Frank durand
Speaker 12: the real estate Man dot com to list your home
Speaker 12: with Remax Alliance three oh three nine two zero sixteen
Speaker 12: twenty two.
Speaker 6: All right, three oh three seven one three eight two
Speaker 6: five five. Christy, as it take to go to you?
Speaker 6: You've called a few times. You bought a brand new
Speaker 6: Honda CRV and it was making noise. Your conditioner was broke.
Speaker 6: The guys at Honest Accurate for a very good Note
Speaker 6: actually called up the dealer and explained to him what
Speaker 6: was wrong with DAC and the dealer finally found the problem.
Speaker 6: Why they couldn't find it to begin with is beyond me,
Speaker 6: but they got that fixed. Then it's still making noises.
Speaker 6: You're gonna tell me it's still making noises, aren't you?
Speaker 19: Yes, sir, I wanted to take a fresh listen to it.
Speaker 19: And it took about you know, all of five minutes
Speaker 19: to decide. Yes, If Dimitri is still willing, I'd love
Speaker 19: to have him take a listen. And if he's willing
Speaker 19: to maybe test drive another copy of my car, are.
Speaker 1: You gonna come by this Friday on car Day? Yes, sir?
Speaker 1: All right, well, let's just get it set up.
Speaker 6: Simple as that. Let's get it set up. Hold on,
Speaker 6: Kelly will give you all the details. And I'm not
Speaker 6: going to be labor that one. Are you going to
Speaker 6: be able to go test drive another one?
Speaker 10: Uh?
Speaker 5: Yeah, absolutely. I'll start with Christy's car and we'll see
Speaker 5: how that goes. And Christy, I assume you have a
Speaker 5: safe driving record and your car doesn't smell funny or anything.
Speaker 19: Yeah, yes, sir, it's all good. And if you tell
Speaker 19: me that you think the car is normal, even though
Speaker 19: I drove another one that I thought made no noises,
Speaker 19: I will probably, you know, procede one direction and if you.
Speaker 6: What direction noise canceling headphones? Where would you go from there?
Speaker 6: Let's say let's say he really does think it's all normal.
Speaker 6: How I know it drives you crazy? So what would
Speaker 6: you do?
Speaker 19: I am going to have to do something with it.
Speaker 19: I'll either try to get someone to swap it out
Speaker 19: for a gas engine or I mean not in my car,
Speaker 19: but maybe a trade. I know it'll probably take a
Speaker 19: hit and financially. Another option was we kind of had
Speaker 19: an RV in our future, a small like van based RV,
Speaker 19: that camper van that if someone wanted to trade this
Speaker 19: car for a camper van, you.
Speaker 3: Know I would just got it.
Speaker 1: You're open to anything.
Speaker 6: You just can't stand the noise now, you know she
Speaker 6: has had problem where noises driver crazy.
Speaker 5: Yeah, I mean I won't let that cloud my judgment. Now,
Speaker 5: of course I'll still go for a ride in the car,
Speaker 5: you know, from a fresh person.
Speaker 6: I went out and smelled it. I went out and
Speaker 6: smelled a couch one time. So you listening for a
Speaker 6: noise in a brand new car is nothing. I went
Speaker 6: out to a house. Guy called in and his wife.
Speaker 6: Both of them had a brand new couch from Lazy Boy.
Speaker 6: Brand new is They probably had it well, probably a month,
Speaker 6: and they said it's the worst smelling couch they ever had.
Speaker 5: What did it smell like?
Speaker 6: I went out there. It smelled like a new couch.
Speaker 6: You know how people say a new car.
Speaker 5: Oh yeah, it's like the plastic glue smell.
Speaker 6: It smelled like a new couch. Yeah, and I got
Speaker 6: him a new couch. Oh, I got lazy boy to
Speaker 6: take it back.
Speaker 1: But I mean.
Speaker 6: I would assume the new one smelled the same. But
Speaker 6: I went out and smelled a couch.
Speaker 5: So there. Well, I something top this. Gott it the
Speaker 5: mattress one time?
Speaker 1: Did we send you out to smell a mattress?
Speaker 5: It was a lazy boy thing?
Speaker 7: I think?
Speaker 6: Was it a lazy boy we sent you out to
Speaker 6: smell a mattress?
Speaker 5: Yes?
Speaker 1: Okay, more after this.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation comparison
Speaker 12: call Compass Insurance. Pay too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank Durand the real estate Man dot
Speaker 12: com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two.
Speaker 6: All right three oh three seven one three eight two
Speaker 6: five five. Brian Burns the Insurance Help Center, I do
Speaker 6: want to just get this through to people.
Speaker 1: Do we have any other examples real quick, Brian.
Speaker 8: Well, we just had one call in after our last
Speaker 8: discussion where they realize they look at their deck page
Speaker 8: and found out that, sure enough, they had two hundred
Speaker 8: and fifty thousand of liability. Yeah, twenty five thousand of
Speaker 8: uninsured motorists, and people.
Speaker 6: That uninsured motorists. I don't care if you call Compass
Speaker 6: insurance up, you call everybody. That's the money you get
Speaker 6: if someone hits you that doesn't have good coverage.
Speaker 5: In other words, they're broke.
Speaker 6: All they have is whatever that insurance policy is, which
Speaker 6: is most likely twenty five thousand or zero, And all
Speaker 6: of a sudden you've got two broken legs and you
Speaker 6: can't work for a year. The only money you're going
Speaker 6: to get is out of your own coverage. So to
Speaker 6: protect everybody else and not protect yourself, And that coverage
Speaker 6: isn't that expensive in general?
Speaker 1: Isn't in general? It's not.
Speaker 8: Nope, And you can't have higher uninsured motorists than you
Speaker 8: have bodily injury. In other words, the state's got to
Speaker 8: at you. The most you can get is matching. But
Speaker 8: a lot of times people ensure themselves for uninsured motors
Speaker 8: less than they're insuring other people.
Speaker 6: What's the other biggest mistake you see, either with homeowners
Speaker 6: or auto We've talked about this a lot, like if
Speaker 6: you don't tell them you got a certain kind of dog,
Speaker 6: or a trampoline or a swimming pool. Now, generally speaking,
Speaker 6: if something else happens, like the dog didn't bite anybody,
Speaker 6: but the house burned down.
Speaker 5: You'll still have coverage.
Speaker 6: That's right, yeah, But in general, if you do lie
Speaker 6: about something, I mean, give me some ideas of what
Speaker 6: people No one should lie about anything on the insurance
Speaker 6: app but give me some ideas of things people don't
Speaker 6: think about.
Speaker 8: Well, really, we had this happen. You called me about
Speaker 8: this the other day. But someone that has a home
Speaker 8: and ends up renting it out, they're not doing that.
Speaker 6: Poor woman is now getting sued in her insurance company.
Speaker 6: Unlike if someone is suing me because they got hurt
Speaker 6: in my house, my insurance company they have to protect
Speaker 6: me literally or they have to pay out every nickel
Speaker 6: I have in insurance. So the bottom line is this
Speaker 6: woman had no coverage because thing after a husband died,
Speaker 6: started renting out the house. Never thought to change coverage.
Speaker 6: So if you have Reynolds, you better have the right
Speaker 6: insurance because you have no coverage. And if your renters
Speaker 6: have a problem in your house, they can come directly
Speaker 6: after you because there's no coverage.
Speaker 3: Yep.
Speaker 8: And that's the point. And it's not even you're not
Speaker 8: even thinking about it, because it's a totally different type
Speaker 8: of coverage. If your tenant gets injured or tries to
Speaker 8: sue you and you don't have the right coverage, you're
Speaker 8: not gonna You're not gonna have anything.
Speaker 3: There.
Speaker 6: Another one I'll tell you is dirt cheap. Brian and
Speaker 6: I learned the hard way on this. We only had
Speaker 6: state minimum I think of five thousand. On one of
Speaker 6: the accidents someone else hit us. But medpay, medpay doesn't
Speaker 6: matter what happens, doesn't matter who it happens to, or
Speaker 6: what happens in the car. They automatically pay it, automatically
Speaker 6: pay it. And I think the maximum is like twenty
Speaker 6: five thousand for most policies or most carriers.
Speaker 8: There's some carriers they will go higher than that. But
Speaker 8: I will tell you the vast majority of people have
Speaker 8: five thousand, and it's dirt.
Speaker 6: I know they have the limit, and five thousand now
Speaker 6: doesn't get you an X ray in the er five
Speaker 6: thousand you might as well have no insurance.
Speaker 8: Yeah, and medical payments. There is an argument out there
Speaker 8: because it's it's the easiest money to get easier. So
Speaker 8: when you go, you know, to the hospital or you
Speaker 8: go to your doctors, the first thing they're asking is
Speaker 8: this part of.
Speaker 6: The You don't tell them anything. That's a separate conversation.
Speaker 1: But people try to get it. That's all I'm saying.
Speaker 6: They try to get it because there's no questions asked, right,
Speaker 6: But understand, the worst thing you can do is give
Speaker 6: the er that money. The worst thing that money should
Speaker 6: be for Cairo practors. That money should be going for
Speaker 6: for going to care going forward. And that's where you
Speaker 6: hire an attorney to figure out where the money goes.
Speaker 6: But you're right, you walk into the er, they're like,
Speaker 6: they're trying to see that money. Yep, No, they're evil,
Speaker 6: they're evil.
Speaker 5: What are you supposed to do? Refuse to give them
Speaker 5: that information?
Speaker 6: Should just say, hey, I'm in the emergency room, I
Speaker 6: got to get going in. I don't know what kind
Speaker 6: of insurance I have. I mean, you do whatever you
Speaker 6: can to be seen, but don't talk about Medpay my God.
Speaker 6: If you can get away from it, hey listen. Help
Speaker 6: at troubleshooter dot com. Three or three Martino, See you tomorrow.