WEBVTT 1 00:00:05.400 --> 00:00:06.200 Ripped up. 2 00:00:07.679 --> 00:00:08.400 News. 3 00:00:08.919 --> 00:00:13.839 You need advice, who you don't have? Come running to 4 00:00:14.080 --> 00:00:21.000 sustass as we can. Shooter's gonna help coming man, This is. 5 00:00:20.960 --> 00:00:26.600 The Troubleshooter Show. No Tom Martinez, you know here. 6 00:00:26.600 --> 00:00:28.960 Welcome to the show. Three oh three seven one three 7 00:00:29.039 --> 00:00:31.760 talks seven one three eight two five five. We have 8 00:00:32.000 --> 00:00:35.200 uh calls out the nose. We're gonna go right to 9 00:00:35.240 --> 00:00:37.640 the phone. Today is insurance. They have Brian Burns from 10 00:00:37.679 --> 00:00:40.960 Compass Insurance. We'll be talking about insurance, the smart things 11 00:00:41.000 --> 00:00:43.479 to do, the stupid things to do, what people are 12 00:00:43.560 --> 00:00:49.520 running into. Also, you know what to do with adults 13 00:00:49.560 --> 00:00:51.719 living in your home, what to do with children living 14 00:00:51.719 --> 00:00:53.640 in your home, what to do with new the with 15 00:00:53.759 --> 00:00:56.479 the condos and town homes. We got so much on 16 00:00:56.560 --> 00:01:00.759 the on the forefront here with insurance. And I believe 17 00:01:01.640 --> 00:01:03.880 I'm going to get Mark ups soon here on video. 18 00:01:03.960 --> 00:01:08.120 But I believe he's in the studio. Mark are you there? Yeah, yeah, gosh, okay, 19 00:01:08.159 --> 00:01:09.879 just time in. I'll send you that link in a minute. 20 00:01:09.879 --> 00:01:10.040 Here. 21 00:01:10.079 --> 00:01:15.560 I got behind. I'm sorry, April, April, what is going 22 00:01:15.680 --> 00:01:21.000 on with you? Let's start right out with you. April. Hello, Hey, 23 00:01:21.599 --> 00:01:22.359 what's happening? 24 00:01:23.319 --> 00:01:28.560 Oh well, we have a situation with a vehicle that 25 00:01:29.519 --> 00:01:32.640 I have a son that is now seventeen, almost eighteen, 26 00:01:32.680 --> 00:01:35.159 will be. He's in college right now doing the aviation 27 00:01:35.280 --> 00:01:36.280 program at Metro. 28 00:01:36.879 --> 00:01:37.439 Oh cool. 29 00:01:37.680 --> 00:01:41.120 This has been a two year battle that we don't like. 30 00:01:41.280 --> 00:01:44.079 Now, is it your son's car? 31 00:01:44.680 --> 00:01:45.040 It is? 32 00:01:45.599 --> 00:01:47.239 Okay? What kind of car? 33 00:01:48.280 --> 00:01:51.040 Well, it was a nineteen sixty five Carmen Ghia that 34 00:01:51.120 --> 00:01:53.799 his dad helped him to purchase two years ago. 35 00:01:54.840 --> 00:01:56.879 I had one of those. I had one of those. 36 00:01:57.040 --> 00:01:59.359 I love. Oh my god. It was orange, by the way, 37 00:01:59.439 --> 00:02:02.319 they of them were orange in that time. So what happened? 38 00:02:02.400 --> 00:02:06.799 Yeah, So we we purchased it knowing it was going 39 00:02:06.840 --> 00:02:09.120 to need work obviously a vehicle of that age. 40 00:02:09.360 --> 00:02:10.080 How long ago? 41 00:02:11.639 --> 00:02:12.719 Two over two years ago? 42 00:02:12.800 --> 00:02:16.240 Now, okay, and you were going to restore it? 43 00:02:16.360 --> 00:02:16.759 Correct? 44 00:02:17.280 --> 00:02:17.599 Correct? 45 00:02:17.599 --> 00:02:18.080 Okay? 46 00:02:18.280 --> 00:02:23.520 So we went to this shop they were recommended. I 47 00:02:23.520 --> 00:02:26.159 think my ex husband is actually kind of the one 48 00:02:26.159 --> 00:02:27.639 that did this. So I don't know how we ended 49 00:02:27.680 --> 00:02:30.639 up specifically at this shop, but they had promised all 50 00:02:30.680 --> 00:02:31.960 of this work to it. 51 00:02:32.080 --> 00:02:33.479 What shop did you take it to? 52 00:02:34.680 --> 00:02:38.199 Took a automotive in north wind and you don't know 53 00:02:38.199 --> 00:02:38.879 how they found it? 54 00:02:38.919 --> 00:02:41.560 Okay, Advanced automotive and what happened. 55 00:02:43.719 --> 00:02:45.919 They had told us that it needed a full engine 56 00:02:45.919 --> 00:02:49.919 swap because of the age of it, and likely a 57 00:02:49.960 --> 00:02:51.719 body swap that they were going to have to put 58 00:02:51.759 --> 00:02:52.080 it on. 59 00:02:52.280 --> 00:02:55.680 Then what did you there's nothing left of the car. 60 00:02:58.520 --> 00:03:02.000 They bought a frame. Wait wait wait, seriously, they needed 61 00:03:02.039 --> 00:03:04.599 to swap the body and the motor. 62 00:03:04.800 --> 00:03:05.840 That's the whole car. 63 00:03:06.719 --> 00:03:10.000 Well, the body needed to the body needed to go 64 00:03:10.039 --> 00:03:12.680 on a different frame. From my understanding, I'm not the 65 00:03:12.719 --> 00:03:15.680 most mechanically inclined I like I said, my ex husband 66 00:03:15.680 --> 00:03:17.360 is the one that kind of set this up. But 67 00:03:17.439 --> 00:03:19.639 they agreed to the work so that the car was 68 00:03:20.080 --> 00:03:23.439 purchased for around six thousand as is, and then we 69 00:03:23.560 --> 00:03:26.439 have paid this shop over ten thousand in the last 70 00:03:26.879 --> 00:03:28.919 two years with promises. 71 00:03:29.199 --> 00:03:32.319 Wait wait wait you spent how much you spent? How much? 72 00:03:33.919 --> 00:03:37.000 The original purchase of the car was about six thousand, right, 73 00:03:37.199 --> 00:03:40.400 and then the stop has been paid around ten thousand for. 74 00:03:41.199 --> 00:03:45.479 Wait wait wait wait, ken, you're sixteen thousand dollars in 75 00:03:45.520 --> 00:03:51.400 a sixty five carman Gia. Yes, that's now. Have they done? Wait? 76 00:03:51.479 --> 00:03:54.000 Have they done? Have they done any work? 77 00:03:55.560 --> 00:03:58.080 The engine slop was complete, but then when they got 78 00:03:58.080 --> 00:04:01.120 the engine slopped done. They said they decided against the 79 00:04:01.199 --> 00:04:02.759 new frame they were going to put it on. 80 00:04:03.319 --> 00:04:03.800 But now it. 81 00:04:04.039 --> 00:04:07.319 Supposedly has rhast problem. There's a whole list of new 82 00:04:07.360 --> 00:04:10.240 problems that they've now come up with, saying that it 83 00:04:10.319 --> 00:04:12.199 needs an excess. 84 00:04:11.879 --> 00:04:15.560 Of Okay, is your husband, is your ex around that 85 00:04:15.599 --> 00:04:16.959 we can talk to or your son? 86 00:04:18.199 --> 00:04:18.360 Us? 87 00:04:18.519 --> 00:04:19.279 My son? 88 00:04:19.639 --> 00:04:22.600 Yes, I'm driving right now, but I can get both 89 00:04:22.600 --> 00:04:24.439 of them. I can try to get them on the phone. 90 00:04:24.199 --> 00:04:26.279 All right, because really we'll try to help you, We 91 00:04:26.360 --> 00:04:26.920 really will. 92 00:04:26.959 --> 00:04:27.600 We have our. 93 00:04:27.560 --> 00:04:30.000 Deputies listening right now, but I'm going to put you 94 00:04:30.079 --> 00:04:33.240 on hold because we truly do need to know more 95 00:04:33.319 --> 00:04:36.360 about this. Okay, Now do you feel let me just 96 00:04:36.399 --> 00:04:39.720 ask you some gut questions. Do you think advanced automotive 97 00:04:39.800 --> 00:04:40.800 is trying to cheat you? 98 00:04:42.720 --> 00:04:46.839 Well, we're not sure. First, my son, he was in 99 00:04:46.879 --> 00:04:48.959 high school at the time. He gets straight a's, he's 100 00:04:49.000 --> 00:04:51.160 a good student. He worked two jobs to try to 101 00:04:51.160 --> 00:04:54.160 fund this fix of this car that was kind of 102 00:04:54.199 --> 00:04:57.040 his little dream fix up car because he wanted something 103 00:04:57.480 --> 00:05:00.439 as a young kid, unusual, and you know, he excited 104 00:05:00.439 --> 00:05:02.839 about finding this cop that was going to stand out 105 00:05:02.839 --> 00:05:05.040 from your typical Honda that a sixteen year old kid 106 00:05:05.040 --> 00:05:08.319 would drive, and he worked his butt off while still 107 00:05:08.319 --> 00:05:12.040 pulling great grades, paying his own money, working at Taco Bell. 108 00:05:12.040 --> 00:05:15.079 To do this, So, okay. 109 00:05:15.240 --> 00:05:18.199 Drug out for two years is problematic enough. 110 00:05:18.240 --> 00:05:21.160 But then well, well that's not unusual for this kind 111 00:05:21.199 --> 00:05:21.920 of a project. 112 00:05:23.000 --> 00:05:26.040 Yeah. So we get to the point that it's supposed 113 00:05:26.079 --> 00:05:27.680 to be done, and now they're saying it needs about 114 00:05:27.680 --> 00:05:29.680 fifty thousand dollars more of work. 115 00:05:29.879 --> 00:05:32.319 Wait, wait, you're not saying fifty as in five to 116 00:05:32.360 --> 00:05:36.399 Oh oh no, I am okay, wait a minute. Who 117 00:05:36.439 --> 00:05:37.240 are you working with. 118 00:05:37.279 --> 00:05:39.959 That advanced I'm the owner. 119 00:05:40.079 --> 00:05:43.680 Alex Kuba Suck or something like that is his name. 120 00:05:44.079 --> 00:05:48.160 Yeah, and I'm not assuming. I'm not assuming he's doing 121 00:05:48.199 --> 00:05:52.240 anything wrong. I don't have any I mean basically, you 122 00:05:52.319 --> 00:05:55.279 bought a car and you're replacing everyone for fifty grand. 123 00:05:55.439 --> 00:05:58.279 I mean, my god, almighty. You buy a brand new car. 124 00:05:58.360 --> 00:06:00.560 You all know that, right, You can buy a Tesla. 125 00:06:01.480 --> 00:06:03.399 Oh yeah, yeah, that's why when it came back with 126 00:06:03.639 --> 00:06:06.160 you know, the original ten thousand, we figure in older car. 127 00:06:06.639 --> 00:06:09.120 It's an investment. You know, you're going to spend the money. 128 00:06:09.959 --> 00:06:12.480 You might be able to sell what you have and 129 00:06:12.519 --> 00:06:15.759 at least recoup some of the money. Obviously, what is 130 00:06:15.759 --> 00:06:18.600 your son an ex inclined to do right now? Do 131 00:06:18.680 --> 00:06:18.920 you know? 132 00:06:20.120 --> 00:06:22.240 Well, so what they have offered us, and this is 133 00:06:22.240 --> 00:06:25.199 where it takes another weird turn. What they have offered. 134 00:06:25.240 --> 00:06:28.240 They've admitted now that they spit off more than they 135 00:06:28.279 --> 00:06:28.680 can chew. 136 00:06:28.720 --> 00:06:29.920 The scope is out of their work. 137 00:06:30.000 --> 00:06:32.240 And so this fifty thousand they're wanting us to spend, 138 00:06:32.680 --> 00:06:36.680 they would be sending it to a Volkswagen specialist. 139 00:06:36.439 --> 00:06:40.199 For fifty Come on, this is did no? Come on? Did? Okay? 140 00:06:40.600 --> 00:06:43.560 Am I hearing this right? I'm almost feeling like I'm 141 00:06:43.560 --> 00:06:47.319 in the Twilight Zone. I swear to God, there's something 142 00:06:47.439 --> 00:06:52.199 wrong here. There really is something totally wrong, totally wrong. Yeah, 143 00:06:52.680 --> 00:06:56.639 what I'm hearing is I mean, come on, it's just 144 00:06:56.759 --> 00:07:02.759 too crazy. I mean, fifty thousand? Do they think that 145 00:07:02.879 --> 00:07:10.519 you're crazy? All right? I want to talk to your son. Okay, 146 00:07:10.839 --> 00:07:14.000 let's hold on three h three seven or three talk 147 00:07:14.560 --> 00:07:17.720 Just wait, KITCHENA get a hold of get Maybe Mark 148 00:07:17.759 --> 00:07:19.959 can call the sun off the ear. I don't know, Mark, 149 00:07:20.839 --> 00:07:23.519 Is this the craziest story we've heard now for restoration? 150 00:07:23.759 --> 00:07:25.920 Yet here's something wrong with it? 151 00:07:26.040 --> 00:07:26.199 Man? 152 00:07:27.519 --> 00:07:27.959 Yeah? 153 00:07:28.279 --> 00:07:32.040 Okay, David's turn, David, what's going on? David? 154 00:07:34.079 --> 00:07:37.160 Hi, David, what's happening in a parking scam? 155 00:07:37.560 --> 00:07:37.680 Uh? 156 00:07:37.879 --> 00:07:39.759 What do you? What do you mean by a parking 157 00:07:39.879 --> 00:07:41.920 were you let me ask you this? Were you toad? 158 00:07:43.319 --> 00:07:43.399 No? 159 00:07:43.519 --> 00:07:43.879 I was not. 160 00:07:44.279 --> 00:07:46.000 Okay, tell me about it then go ahead? 161 00:07:47.279 --> 00:07:47.600 Okay. 162 00:07:48.120 --> 00:07:50.800 Several weeks back, I went to a restaurant on South 163 00:07:50.839 --> 00:07:53.079 Colorado Boulevard with a friend of mine. We sat there 164 00:07:53.120 --> 00:07:55.560 and talked for just a shade over three hours. 165 00:07:55.680 --> 00:07:58.240 Which restaurant it was? 166 00:07:58.279 --> 00:08:03.560 Actually the Kava Restaurant in South Colorado, got it and 167 00:08:04.240 --> 00:08:07.839 we left. We thought no more of it. Just yesterday 168 00:08:07.839 --> 00:08:10.399 I got a bill in the mail from a parking 169 00:08:10.399 --> 00:08:14.680 company they're called Parking Revenue Recovery Services, for eighty two 170 00:08:14.720 --> 00:08:20.160 dollars for parking in the parking lot of that restaurant. 171 00:08:21.040 --> 00:08:24.319 The problem is when we drove in there was no gate. 172 00:08:24.399 --> 00:08:26.680 Saying you know there was no gate? We didn't. 173 00:08:26.720 --> 00:08:30.360 Well, first of all, is it parking for the restaurant 174 00:08:30.519 --> 00:08:30.759 or not? 175 00:08:32.039 --> 00:08:32.639 Yes, it is. 176 00:08:33.159 --> 00:08:35.840 What's the restaurant called again, Kava? 177 00:08:36.080 --> 00:08:36.559 Tava? 178 00:08:37.440 --> 00:08:38.240 How do you spell it? 179 00:08:39.919 --> 00:08:41.200 C a va? 180 00:08:42.200 --> 00:08:47.240 Okaykava? Now you got a ticket, You got a ticket 181 00:08:48.000 --> 00:08:50.399 for parking there. Now, now what I want to know 182 00:08:50.519 --> 00:08:54.960 is this was it? It was the designated parking for 183 00:08:55.000 --> 00:08:59.600 the restaurant, right, yes it was. And I don't get 184 00:08:59.639 --> 00:09:04.879 this part. Why did you get a ticket for it? 185 00:09:04.919 --> 00:09:08.200 I don't get it. Were you supposed to put money somewhere? 186 00:09:08.240 --> 00:09:11.279 What were you supposed to do to not get a ticket? 187 00:09:12.519 --> 00:09:13.039 You were not? 188 00:09:13.120 --> 00:09:15.879 There was nowhere to put money. It turns out there 189 00:09:15.919 --> 00:09:19.039 was a QR code you could scan to pay electronically. 190 00:09:19.399 --> 00:09:22.039 Okay, Now, I've seen that before, where there's a little 191 00:09:22.080 --> 00:09:25.519 sign on the pole that says scan this blah blah blah. 192 00:09:25.600 --> 00:09:27.919 I've done this before, and Cherry created the same thing 193 00:09:27.960 --> 00:09:33.120 where yep, yep. Now are you claiming are you wait? Wait, 194 00:09:33.240 --> 00:09:35.759 are you claiming there is absolutely no way to pay? 195 00:09:35.919 --> 00:09:38.320 And they do this to everyone. 196 00:09:38.840 --> 00:09:40.799 No, there is a way to pay. I'm claiming the 197 00:09:40.840 --> 00:09:43.440 sign is so small that you're okay, aware. 198 00:09:43.159 --> 00:09:44.120 That you have got it? 199 00:09:44.480 --> 00:09:47.320 Okay, got it? Now. I don't think it's a scam. 200 00:09:47.360 --> 00:09:51.399 I think it's a scam. I don't think think. I 201 00:09:51.480 --> 00:09:55.399 think it kind of is. It's weird. Now here's what 202 00:09:55.440 --> 00:09:57.200 I want to know. First of all, let me explain 203 00:09:57.240 --> 00:10:01.360 a few things to you. Okay, this is nothing more 204 00:10:01.919 --> 00:10:05.759 than a collection notice from a private entity in order 205 00:10:05.879 --> 00:10:09.200 for you for them to collect a dime from you. 206 00:10:09.240 --> 00:10:11.639 They can't do anything to your license. They can't do 207 00:10:11.639 --> 00:10:14.720 anything to your car. They can't do anything. It is 208 00:10:14.759 --> 00:10:18.240 a private collection notice. I used to own parking lots 209 00:10:18.480 --> 00:10:20.720 and we would put up a notice. It looks a 210 00:10:20.720 --> 00:10:25.159 lot like a ticket. It's a private thing. They'd have 211 00:10:25.240 --> 00:10:27.480 to take you to court and get a judgment where 212 00:10:27.559 --> 00:10:29.919 you can tell your story and tell them to go 213 00:10:29.960 --> 00:10:33.519 shove it. Until then you can do that. They can't 214 00:10:33.519 --> 00:10:40.559 do anything to you. It's private, Okay, I mean, does 215 00:10:40.559 --> 00:10:43.360 that make sense? So I'm not telling you not to 216 00:10:43.399 --> 00:10:45.879 pay it. I'm telling you that if you feel it 217 00:10:45.919 --> 00:10:47.960 was not right, then you write them a letter saying 218 00:10:48.000 --> 00:10:50.480 you had no idea. You'd be happy to pay for 219 00:10:50.559 --> 00:10:53.080 what would have been the parking. You might do that, 220 00:10:53.960 --> 00:10:56.600 or you might ignore it altogether. Do they have a 221 00:10:56.600 --> 00:10:58.320 picture of your car in the lot? 222 00:11:00.159 --> 00:11:02.320 They have a picture of my car entering and leaving 223 00:11:02.360 --> 00:11:02.720 the lot. 224 00:11:02.960 --> 00:11:07.360 Okay, good? And what I would say now now, did 225 00:11:07.399 --> 00:11:11.679 you go back to the lot to see the QR code? Yes? 226 00:11:11.759 --> 00:11:12.120 I did? 227 00:11:12.720 --> 00:11:16.240 And and are you looking at it mark on Google Maps? 228 00:11:16.240 --> 00:11:19.720 If I know you. I I'm trying to find this Kava. 229 00:11:19.840 --> 00:11:22.519 I just Brian, did you look at it? Brian Burns 230 00:11:22.559 --> 00:11:24.639 here with compass and church? Were you looking at it? Brian? 231 00:11:25.960 --> 00:11:29.000 Did you? Did you find it? Dmitri? Did you see 232 00:11:29.000 --> 00:11:29.960 the sign anywhere? 233 00:11:31.320 --> 00:11:34.600 Just found their website and their address and I haven't 234 00:11:34.639 --> 00:11:37.120 been able to get an image of the of the street. 235 00:11:37.240 --> 00:11:39.279 All right, so tell me about the sign. How big 236 00:11:39.360 --> 00:11:39.919 is it? All? 237 00:11:39.960 --> 00:11:43.000 I see there is a five guys, a Zoe's Kitchen 238 00:11:43.360 --> 00:11:45.639 and red Wing. Is this the same place or what? 239 00:11:48.480 --> 00:11:51.399 No, it's not. It's almost directly across the street from 240 00:11:51.799 --> 00:11:52.639 Dave and Busters. 241 00:11:53.000 --> 00:11:57.480 Yeah, okay, Oh wait, is it the parking garage by 242 00:11:57.600 --> 00:11:58.519 Dave and Busters? 243 00:12:00.559 --> 00:12:02.799 A parking garage? It's a parking lot. It's the parking 244 00:12:02.840 --> 00:12:05.120 lot of a strip mall. This is in a strip mall, 245 00:12:05.159 --> 00:12:07.440 and it's just the normal parking lot of a strip mall. 246 00:12:07.799 --> 00:12:09.559 Is there a natural Grocer's there? 247 00:12:11.080 --> 00:12:11.840 I think there is? 248 00:12:11.919 --> 00:12:12.480 Yeah? Okay? 249 00:12:12.919 --> 00:12:14.440 Are you ninth in Colorado? 250 00:12:17.120 --> 00:12:19.279 No, it's actually about twentieth in Colorado. It's on the 251 00:12:19.279 --> 00:12:24.480 west side of Colorado at about twentieth Oh sorry, two 252 00:12:24.559 --> 00:12:28.720 zero something something. It's South Colorado. It's twenty blocks South Colorado. 253 00:12:29.799 --> 00:12:32.559 Well, I see, I see signs in this parking lot. 254 00:12:32.600 --> 00:12:34.679 And it's not just one. I see quite a few 255 00:12:34.720 --> 00:12:38.360 of them. What I don't understand is it says it 256 00:12:38.399 --> 00:12:41.320 looks like most of them are it's just for patrons. 257 00:12:41.320 --> 00:12:43.759 In other words, if you're there shopping, you should be 258 00:12:43.759 --> 00:12:44.559 able to park there. 259 00:12:44.600 --> 00:12:45.519 So I don't get it. 260 00:12:45.600 --> 00:12:49.159 Just look at man. Here's what I would do. I 261 00:12:49.279 --> 00:12:52.759 would take my if you feel confident about your argument. 262 00:12:53.240 --> 00:12:55.600 What by the way, there is no requirement for the 263 00:12:55.639 --> 00:12:58.879 size of sign except for the towing sign. There's a 264 00:12:58.919 --> 00:13:02.039 requirement for that side eyes. What I would do is 265 00:13:02.039 --> 00:13:05.399 is that that's the law that would probably apply, because 266 00:13:05.440 --> 00:13:09.799 they probably tell you you're subject to towing. Probably. But what 267 00:13:09.840 --> 00:13:13.120 you should do is do what I said, offer and 268 00:13:13.159 --> 00:13:16.120 then tell them to stick it unless you may lose. 269 00:13:16.480 --> 00:13:19.919 And you may lose because that sign does. I don't 270 00:13:19.919 --> 00:13:22.240 know how big is it, David, How big is the sign? 271 00:13:23.279 --> 00:13:26.039 Actually I went back and looked. The sign is about 272 00:13:26.279 --> 00:13:28.879 three feet by three feet wide. But the lettering on 273 00:13:28.960 --> 00:13:31.720 the sign is now an inch high. 274 00:13:32.919 --> 00:13:35.960 Wait wait, wait, now, come on, the lettering on the 275 00:13:36.080 --> 00:13:38.360 sign telling you to pay is one half inch. 276 00:13:39.480 --> 00:13:42.600 That is correct. I have David the sign to prove. 277 00:13:42.399 --> 00:13:44.960 It, send it to us, send us a picture. 278 00:13:45.440 --> 00:13:49.440 Oh, I see it. It's a big red sign. Correct, Yeah, 279 00:13:49.480 --> 00:13:53.279 I'm looking at it. I mean, wait a minute, is 280 00:13:53.320 --> 00:13:56.080 it a half inch letters? Come on, man, there're half 281 00:13:56.120 --> 00:13:56.919 inch letters. 282 00:13:57.600 --> 00:14:01.000 It's it. Come on, man, Marcus Well familiar with a 283 00:14:01.039 --> 00:14:01.879 half inch? Mark? 284 00:14:03.840 --> 00:14:04.080 Mark? 285 00:14:05.039 --> 00:14:08.240 A half inch? Really? Come on, it's pretty small man. 286 00:14:09.679 --> 00:14:12.919 Actually, if you'd like, I'll go back with a ruler. 287 00:14:13.960 --> 00:14:18.480 Okay, David, that David, because I would challenge it, Okay, 288 00:14:19.279 --> 00:14:21.639 I mean I would what would Mark? Wouldn't you think 289 00:14:21.679 --> 00:14:23.399 of half an inch? Would you? David? 290 00:14:23.440 --> 00:14:25.919 I wouldn't. I just wouldn't pay it. There's I wouldn't 291 00:14:26.000 --> 00:14:27.120 challenge it. I wouldn't do it. 292 00:14:27.159 --> 00:14:30.320 I want you to, David. I will take you literally, 293 00:14:30.720 --> 00:14:32.840 I will take your video and put it up for 294 00:14:32.919 --> 00:14:35.240 people to see. Would you can you get over there 295 00:14:35.279 --> 00:14:36.720 today before the show ends? 296 00:14:36.799 --> 00:14:37.000 Yes? 297 00:14:37.080 --> 00:14:37.360 I can. 298 00:14:37.840 --> 00:14:41.120 Okay, Kachina talk to him. I want to get that video, 299 00:14:41.200 --> 00:14:43.840 I swear to you. Hold on, I'm gonna mark this pending. 300 00:14:44.240 --> 00:14:47.360 This is crazy stuff we're dealing with today, and I 301 00:14:47.399 --> 00:14:51.240 am way over time, by the way. Oh my goodness, 302 00:14:51.279 --> 00:14:55.639 gracious me, oh my okay, So hang on Please, we 303 00:14:55.759 --> 00:14:59.159 got more coming up on the troubleshooter show. Waterpros dot 304 00:14:59.240 --> 00:15:04.080 net the best water system right now, combination reverse osmosis, 305 00:15:04.159 --> 00:15:07.039 drinking water and softening for the whole house. I swear 306 00:15:07.080 --> 00:15:10.080 to you thirty one ninety five for the entire system. 307 00:15:10.360 --> 00:15:13.240 It would be just at his great prices over five 308 00:15:13.600 --> 00:15:17.679 and and plumbers. Would I promise you would charge fifteen 309 00:15:17.720 --> 00:15:20.559 for this? Waterpros dot Net three O three eight six 310 00:15:20.679 --> 00:15:23.120 two five five five four. Do your family a favor. 311 00:15:26.879 --> 00:15:30.120 Go with a sure thing Denver's best roofer Excel Roofing 312 00:15:30.240 --> 00:15:32.879 dot com. You don't pay a cent until you're content. 313 00:15:36.240 --> 00:15:39.440 Time for an insurance check up free, no obligation. In comparison, 314 00:15:39.559 --> 00:15:43.120 call Compass Insurance paying too much your coverage at dozens 315 00:15:43.159 --> 00:15:45.879 of insurance companies find out now three oh three seven 316 00:15:45.960 --> 00:15:48.799 seven to one help. You'll think you're his only customer 317 00:15:48.840 --> 00:15:51.080 when you choose Frank Durand the real estate Man dot 318 00:15:51.120 --> 00:15:54.440 com to list your home with Remax Alliance three oh 319 00:15:54.480 --> 00:16:06.240 three nine two zero sixteen twenty two. Hi Tom Martino 320 00:16:06.360 --> 00:16:09.480 here three oh three seven one three talk three all 321 00:16:09.519 --> 00:16:12.000 three seven one three eight two five five. 322 00:16:13.159 --> 00:16:15.759 So there's free parking there, he said, the only time 323 00:16:15.799 --> 00:16:18.720 there'd ever be an issue if someone was parked there 324 00:16:18.799 --> 00:16:21.960 for a long period of time and weren't in the restaurant. 325 00:16:21.960 --> 00:16:23.879 So I don't think this has anything to do with 326 00:16:24.360 --> 00:16:28.000 signage being a half inch or whatever. I think it's 327 00:16:28.039 --> 00:16:30.399 got to do what the guy was there forever and 328 00:16:30.440 --> 00:16:31.080 it got towed. 329 00:16:32.200 --> 00:16:33.320 You really think so? Hum? 330 00:16:33.440 --> 00:16:33.559 Hm? 331 00:16:33.879 --> 00:16:34.080 Well? 332 00:16:34.120 --> 00:16:36.840 I called the restaurant. I said, you have free parking, No, I. 333 00:16:36.840 --> 00:16:39.679 Get you, I get you, And he said there was 334 00:16:39.720 --> 00:16:42.519 free parking. My god, absolutely free parking. 335 00:16:42.559 --> 00:16:45.039 Now if you're if you're parked in front of us 336 00:16:45.120 --> 00:16:48.559 for ever and you're not here, the landlord might tow it, 337 00:16:48.600 --> 00:16:49.679 but we wouldn't toe it. 338 00:16:51.440 --> 00:16:53.919 Gosh. 339 00:16:54.080 --> 00:16:56.840 I I I just am baffled by this whole thing. 340 00:16:58.279 --> 00:17:02.080 I just am. I'm baffled. But anyway, three oh three 341 00:17:02.279 --> 00:17:05.960 seven one three talk three O three seven one three 342 00:17:06.079 --> 00:17:08.240 eight two five five Mark, I just sent the uh 343 00:17:08.799 --> 00:17:11.759 the zoom link so you can join us on YouTube, 344 00:17:11.839 --> 00:17:13.880 and I sent it to help into you two and 345 00:17:13.960 --> 00:17:16.279 so let's keep going here. Three oh three seven one 346 00:17:16.359 --> 00:17:18.279 three talk seven one three eight two five to five. 347 00:17:20.240 --> 00:17:22.440 I went, I guess he's going out to get the 348 00:17:22.640 --> 00:17:25.359 sign though, because no matter what he'll need that. Let's 349 00:17:25.359 --> 00:17:28.640 talk to Sue about a construction company. Sue, what's going 350 00:17:28.680 --> 00:17:32.680 on with you? Sue? You good? What's happening to me? 351 00:17:33.319 --> 00:17:36.200 Yeah, so you talked to us a while ago. 352 00:17:36.599 --> 00:17:39.599 This has been an ongoing issue. I live here in 353 00:17:39.599 --> 00:17:41.880 Westminster at yacht club one. 354 00:17:42.880 --> 00:17:45.240 How long ago did I talk to you about this? 355 00:17:46.119 --> 00:17:47.400 Probably almost a year ago? 356 00:17:47.920 --> 00:17:50.000 Yeah, yeah, yeah, it was a long time. 357 00:17:50.880 --> 00:17:51.119 Yeah. 358 00:17:51.279 --> 00:17:54.400 I remember something about the yacht club. I do, So 359 00:17:54.799 --> 00:17:55.960 tell me what's going on. 360 00:17:56.839 --> 00:18:00.240 So it's been ongoing. We have one hundred and fifty 361 00:18:00.319 --> 00:18:03.720 one units, and some of them I will say rental, 362 00:18:04.119 --> 00:18:07.440 but you know, the owners are fully aware of this. 363 00:18:07.720 --> 00:18:12.839 So twenty seventeen there was a hailstorm, so. 364 00:18:12.880 --> 00:18:14.599 We have I'm gonna I'm going to bring up my 365 00:18:15.039 --> 00:18:17.759 expert here too. I'm going to go to watch it. Am. 366 00:18:17.759 --> 00:18:21.200 I to understand there's a yacht club in Westminster. 367 00:18:21.839 --> 00:18:23.720 Yeah, okay, it's fun. 368 00:18:23.799 --> 00:18:27.960 Oh and we're pretty blessed as a It's called Hidden 369 00:18:28.039 --> 00:18:30.000 Lake sixty ninth in Sheridan. 370 00:18:30.559 --> 00:18:32.759 It's okay, I know I know about it. Yeah, So 371 00:18:33.279 --> 00:18:35.960 tell me what the issue is now. So you have 372 00:18:36.039 --> 00:18:39.319 one hundred and sixty one units and there was a hailstorm. 373 00:18:39.559 --> 00:18:40.440 The hailstorm was. 374 00:18:40.480 --> 00:18:42.920 When twenty seventeen. 375 00:18:43.440 --> 00:18:45.119 Okay, so what's going on now? 376 00:18:46.119 --> 00:18:48.720 So we won the litigation. It took years. 377 00:18:48.880 --> 00:18:51.839 Why was their litigation that part? You got to tell 378 00:18:51.880 --> 00:18:52.200 me now? 379 00:18:52.759 --> 00:18:54.720 Why, I'll tell you. 380 00:18:54.759 --> 00:18:57.000 When I bought the house, I didn't even know that 381 00:18:57.039 --> 00:18:57.359 we would. 382 00:18:57.559 --> 00:18:59.680 What was the litigation for the hailstorm? 383 00:19:00.559 --> 00:19:05.799 Yeah, regarding the repair the roofs so siding. 384 00:19:06.400 --> 00:19:08.680 Okay, Well, what I mean is who were you? Who 385 00:19:08.799 --> 00:19:10.200 was the HOA suing. 386 00:19:11.160 --> 00:19:17.240 The insurance company? Why for funding? Allocations of funding? How 387 00:19:17.319 --> 00:19:20.160 much money we were to delop to get allocations for 388 00:19:20.200 --> 00:19:21.160 the repairs? 389 00:19:21.440 --> 00:19:24.200 In other words, the the it was almost a bad 390 00:19:24.279 --> 00:19:28.279 faith lawsuit because your your insurance was turning down and what. 391 00:19:29.160 --> 00:19:32.000 Well, that wasn't the issue. We won that case. Yes, 392 00:19:32.079 --> 00:19:34.480 that was the issue. We won the amount of the 393 00:19:34.519 --> 00:19:35.359 money that we. 394 00:19:35.640 --> 00:19:38.200 Need, Okay, Okay, that's always is. 395 00:19:38.240 --> 00:19:44.480 We won that. So we had got eight point four 396 00:19:44.720 --> 00:19:47.880 million dollars, We have that in our We have that 397 00:19:48.359 --> 00:19:52.279 have or had that money in our HOA? 398 00:19:52.519 --> 00:19:53.440 Got it find. 399 00:19:53.880 --> 00:19:58.319 Okay, moving on, We won that. We We were very 400 00:19:58.319 --> 00:20:02.759 happy about that. He had a board and the board 401 00:20:04.319 --> 00:20:06.240 we had some people that have been in the. 402 00:20:06.200 --> 00:20:07.519 Board for quite a while. 403 00:20:08.119 --> 00:20:09.559 Yeah, and I. 404 00:20:09.519 --> 00:20:11.240 Don't really want to say the names. 405 00:20:11.480 --> 00:20:13.000 Did they all take vacations? 406 00:20:14.119 --> 00:20:15.799 Oh that's exactly it. 407 00:20:16.119 --> 00:20:18.599 Oh no, wait wait, Sue, Sue, wait wait wait wait 408 00:20:18.640 --> 00:20:21.319 wait wait wait wait you're not kidding, right, are you 409 00:20:21.400 --> 00:20:22.839 saying they took the money? 410 00:20:23.000 --> 00:20:25.960 I'm on my soul? So let me tell you. 411 00:20:26.319 --> 00:20:27.960 I'm going to no no, wait, wait, where's the eight 412 00:20:28.039 --> 00:20:30.359 point Hold on? I just have to ask a few questions. 413 00:20:30.359 --> 00:20:31.839 Where's the eight point four million? 414 00:20:32.640 --> 00:20:33.000 Okay? 415 00:20:33.200 --> 00:20:36.160 So wait, no, can you is it there? 416 00:20:37.519 --> 00:20:39.960 No? We can't find it. So according to. 417 00:20:40.079 --> 00:20:43.920 Our oh my god. Now, now here's what's funny, Mark, 418 00:20:44.000 --> 00:20:46.000 as you know Mark, because it's happened to us how 419 00:20:46.039 --> 00:20:48.839 many times in forty five years. What's going to happen 420 00:20:48.960 --> 00:20:50.920 is you're going to see this now on TV and 421 00:20:50.960 --> 00:20:53.000 then if some TV reporter is going to claim that 422 00:20:53.039 --> 00:20:55.720 he uncovered this. So I want everyone to know, well 423 00:20:55.759 --> 00:20:57.519 if she ever gets to what happened to it? 424 00:20:57.559 --> 00:20:57.680 All? 425 00:20:57.759 --> 00:20:59.519 Right, hold on, I gotta take a break. I want 426 00:20:59.519 --> 00:21:01.400 to I want to hear this story, I promise you, 427 00:21:01.400 --> 00:21:03.920 but I want to give you more time. I'm Tom Martino. 428 00:21:04.759 --> 00:21:09.440 Eight million missing or four wait whatever it's missing? Come on? Three? 429 00:21:09.440 --> 00:21:11.480 Oh three seven one three talks seven one three eight 430 00:21:11.480 --> 00:21:15.200 two fivety five. Frankaranderealestateman dot com will do a free 431 00:21:15.240 --> 00:21:17.960 market valuation of your home for the asking. If you're 432 00:21:17.960 --> 00:21:20.319 looking to sell, if you're looking to buy, he can 433 00:21:20.359 --> 00:21:22.200 tell you what you can net and what you'll buy. 434 00:21:22.279 --> 00:21:25.359 It's all free. It's part of his complementary service of 435 00:21:25.400 --> 00:21:28.400 giving back no obligation three oh three nine two zero 436 00:21:28.599 --> 00:21:32.799 sixteen twenty two. He takes into consideration all elements. Frank 437 00:21:32.920 --> 00:21:36.119 rand the real Estateman dot com. Go with a sure 438 00:21:36.200 --> 00:21:39.640 thing Denver's best roofer Excel Roofing dot com. You don't 439 00:21:39.640 --> 00:21:45.240 pay a cent until you're content. Wait time for an 440 00:21:45.240 --> 00:21:49.480 insurance check up free no obligation. Comparison call Compass Insurance 441 00:21:49.640 --> 00:21:52.680 paying too much your coverage at dozens of insurance companies 442 00:21:52.759 --> 00:21:55.319 find out now three oh three seven seven one help. 443 00:21:55.519 --> 00:21:58.160 You'll think you're his only customer when you choose Frank 444 00:21:58.200 --> 00:22:00.640 Durand the real estate Man dot com to list your 445 00:22:00.680 --> 00:22:03.799 home with Remax Alliance three oh three nine two zero 446 00:22:03.960 --> 00:22:08.799 sixteen twenty two. Hey, Tom Martine, I got to go 447 00:22:08.880 --> 00:22:10.880 back to sue now. According to her, there was an 448 00:22:10.960 --> 00:22:15.240 insurance lawsuit the HOA was awarded eight point four million 449 00:22:15.319 --> 00:22:19.119 dollars and it probably if they if it happened in 450 00:22:19.119 --> 00:22:22.480 twenty seventeen, the money was probably awarded in eighteen. Who knows, 451 00:22:23.119 --> 00:22:28.440 but that's like nineteen twenty one, six years ago, Sue, 452 00:22:28.759 --> 00:22:30.519 I need to ask. I know you want to tell 453 00:22:30.559 --> 00:22:32.279 a story, but I need to ask for you. Is 454 00:22:32.319 --> 00:22:34.079 the money actually missing? 455 00:22:35.039 --> 00:22:36.640 So this is what happened. Okay. 456 00:22:37.039 --> 00:22:42.599 Now, as far as our visit statue, and it's called 457 00:22:42.960 --> 00:22:47.480 h like in Harry be Is in Bill twelve Best 458 00:22:47.680 --> 00:22:54.519 twelve thirty seven, it states that they have to give 459 00:22:54.599 --> 00:22:58.200 us all of our financials as in the HOA. 460 00:22:58.880 --> 00:23:02.079 Yeah, okay, what is that? I just now? Okay, keep going, 461 00:23:02.200 --> 00:23:04.920 keep going. I'm never going to get an answer from 462 00:23:04.960 --> 00:23:06.519 you if the money is in the bank or not. 463 00:23:07.519 --> 00:23:10.960 No, it's not, it's not. They will not show us anything. 464 00:23:11.440 --> 00:23:14.599 Well, then hold on, hold on. There's a difference between 465 00:23:15.200 --> 00:23:19.640 they won't show you and it's not there. I need 466 00:23:19.680 --> 00:23:24.640 to know, did anyone verify the money is missing? 467 00:23:25.359 --> 00:23:25.680 Okay? 468 00:23:25.720 --> 00:23:29.359 So the to the Vice president, we do, we do not. 469 00:23:29.440 --> 00:23:31.839 We cannot see it. They are not allowing us. 470 00:23:32.079 --> 00:23:34.240 So I'm going to ask this one more. I'm going 471 00:23:34.279 --> 00:23:37.000 to ask this one more time, so it has anyone 472 00:23:37.160 --> 00:23:38.680 verified it is missing. 473 00:23:39.960 --> 00:23:42.119 Yes, we cannot see it. We are not allowed. 474 00:23:42.400 --> 00:23:47.400 Okay, Sue, Sue, hold on, Sue, you can't see my 475 00:23:47.640 --> 00:23:49.880 money and it's not missing. 476 00:23:50.839 --> 00:23:51.440 It's missing. 477 00:23:52.359 --> 00:23:55.799 Now how do you know? How do you know it's missing. 478 00:23:57.519 --> 00:24:01.319 Us residents of the community, the home owners. It's gone. 479 00:24:01.400 --> 00:24:02.119 We can't see it. 480 00:24:02.519 --> 00:24:06.279 Okay, meaning what what does that mean? Did you go 481 00:24:06.359 --> 00:24:09.440 to the bank and the bank said the money is 482 00:24:09.480 --> 00:24:10.119 not here? 483 00:24:10.920 --> 00:24:11.279 Okay? 484 00:24:11.680 --> 00:24:16.359 They will not share financial records about the millions in renovations. 485 00:24:16.720 --> 00:24:21.680 Okay. Hold on now, So since twenty seventeen, has any 486 00:24:21.720 --> 00:24:24.400 repairs taken place? Have any repairs taken place? 487 00:24:25.480 --> 00:24:25.799 All? 488 00:24:26.640 --> 00:24:27.400 Yes, they have? 489 00:24:28.039 --> 00:24:32.079 Okay, now hold on, hold on during from twenty seventeen 490 00:24:32.160 --> 00:24:39.240 till now. Please, I don't want exaggeration or hyperbally or accusations, 491 00:24:39.359 --> 00:24:42.039 although they all may be true. Trust me, Sue. I 492 00:24:42.160 --> 00:24:44.359 want to help you, but first I need to know 493 00:24:44.440 --> 00:24:50.720 this hold on, what major renovations since that twenty seventeen 494 00:24:51.000 --> 00:24:54.200 lawsuit have been done. Just give me a list of 495 00:24:54.240 --> 00:24:56.440 what has been done. 496 00:24:56.759 --> 00:25:03.079 I'll start with the roof, the gutters, the the walls, 497 00:25:04.079 --> 00:25:06.039 you know, the privacy walls, and the shiding. 498 00:25:07.640 --> 00:25:11.319 Now now, hold on, so are you are you saying 499 00:25:11.839 --> 00:25:15.480 that the roof, the gutter, the walls and the siding 500 00:25:15.640 --> 00:25:18.880 cost zero and the whole eight point four should still 501 00:25:18.920 --> 00:25:19.519 be in the bank. 502 00:25:22.880 --> 00:25:29.039 I will rephrase it. They have been done. The financial 503 00:25:29.119 --> 00:25:32.359 statements haven't been up. 504 00:25:32.200 --> 00:25:33.400 To par because. 505 00:25:35.279 --> 00:25:37.440 The materials were poor. 506 00:25:37.680 --> 00:25:42.599 Materials were from stolen money and vacations too, you know, Sue. 507 00:25:43.079 --> 00:25:45.960 I want to I want to know something. Are you part? 508 00:25:46.359 --> 00:25:49.440 Did you guys all go to a meeting and demand information? 509 00:25:50.359 --> 00:25:50.519 Oh? 510 00:25:50.559 --> 00:25:51.400 Most definitely? 511 00:25:51.759 --> 00:25:53.839 And what how many of you? How many of you? 512 00:25:55.759 --> 00:25:58.359 I have, well some of them? 513 00:25:58.400 --> 00:26:01.200 Are how many of you? I'm not going to go 514 00:26:01.240 --> 00:26:05.839 on until you answer one question directly? How many residents 515 00:26:06.279 --> 00:26:09.799 have been questioning the board at meetings. 516 00:26:11.039 --> 00:26:13.480 On March twenty seventh through? We're thirty two? 517 00:26:13.920 --> 00:26:15.720 Okay? 518 00:26:15.920 --> 00:26:16.160 Yeah? 519 00:26:16.319 --> 00:26:19.039 I have ok now written down. 520 00:26:19.559 --> 00:26:23.519 I want to know this again. Are they literally refusing? 521 00:26:23.599 --> 00:26:26.640 Now before you answer, listen to the whole question. Are 522 00:26:26.640 --> 00:26:32.279 they literally refusing to show you financials? Or do you 523 00:26:32.400 --> 00:26:34.640 simply disagree with what they're showing you? 524 00:26:37.119 --> 00:26:40.119 They are refusing so they. 525 00:26:39.960 --> 00:26:42.000 Have not shown you anything? 526 00:26:42.880 --> 00:26:45.440 Nopegerating? 527 00:26:46.160 --> 00:26:51.400 Okay, So who represents the h A board members? Do 528 00:26:51.400 --> 00:26:54.039 you want names, Yes, who represents them? 529 00:26:54.839 --> 00:26:58.440 Julie McLain and Larry J. 530 00:26:58.759 --> 00:26:59.319 I R. 531 00:27:00.039 --> 00:27:02.920 And they will not I'm just reading a fly. 532 00:27:03.119 --> 00:27:05.160 Are they attorneys? Are they attorneys? 533 00:27:06.079 --> 00:27:06.319 No? 534 00:27:06.920 --> 00:27:10.839 Do you realize? Okay? First of all, okay, I don't 535 00:27:10.960 --> 00:27:14.960 understand when you say they will not show you financials. 536 00:27:16.440 --> 00:27:19.519 So why don't you get a petition to house those 537 00:27:19.519 --> 00:27:20.440 board members? 538 00:27:21.000 --> 00:27:22.440 We did, and we have it. 539 00:27:24.279 --> 00:27:25.920 How many signatures do you have? 540 00:27:26.880 --> 00:27:27.680 We have the. 541 00:27:29.680 --> 00:27:33.160 One hundred and fifty, We have the percentage to boost 542 00:27:33.160 --> 00:27:33.519 them out. 543 00:27:33.759 --> 00:27:34.759 When are you going to do it? 544 00:27:39.960 --> 00:27:42.519 Well in January? First, we are supposed to have the 545 00:27:42.559 --> 00:27:45.680 whole new board member. I'm not on the board. My 546 00:27:46.680 --> 00:27:50.519 neighbor is. So this lady that's been on the board 547 00:27:50.559 --> 00:27:53.799 for multiple years think she can kick him off. I 548 00:27:53.799 --> 00:27:59.119 don't know, you know the of being on the HOA. 549 00:27:59.680 --> 00:28:02.279 But here's what I want to know, Sue. Why don't 550 00:28:03.039 --> 00:28:06.559 the people that sign that petition, if they each if 551 00:28:06.559 --> 00:28:11.039 they each chipped in just one hundred dollars, they can 552 00:28:11.079 --> 00:28:13.440 retain an attorney to look into this. 553 00:28:14.880 --> 00:28:18.319 I have one, Actually, well, did. 554 00:28:18.240 --> 00:28:20.279 You hire him? 555 00:28:21.759 --> 00:28:25.240 We're doing the steps we want, but we want the 556 00:28:25.279 --> 00:28:28.279 news to do this because we do not want other 557 00:28:28.279 --> 00:28:29.480 people to deal with this. 558 00:28:30.160 --> 00:28:32.839 Well, I know, but you have to do it through 559 00:28:32.880 --> 00:28:35.480 the courts. I'm going to look into it. But I 560 00:28:35.519 --> 00:28:38.720 don't think the money is missing. I think they've used 561 00:28:38.720 --> 00:28:40.960 the money for a lot of this. They might have 562 00:28:41.079 --> 00:28:44.119 some left. I just don't know why they're not sharing it. 563 00:28:44.440 --> 00:28:46.720 In other words, I need to know. 564 00:28:47.680 --> 00:28:51.279 Yes, one one man, and I don't even want to 565 00:28:51.319 --> 00:28:55.839 say gentlemen, is suing us. And he moved into a 566 00:28:56.000 --> 00:28:58.839 nine hundred thousand dollars home. 567 00:29:00.000 --> 00:29:02.039 Now what do you mean, He's, Sue Hells a nice 568 00:29:02.079 --> 00:29:03.519 hundred thousand dollars home. 569 00:29:04.359 --> 00:29:06.279 The average is six hundred thousands. 570 00:29:07.160 --> 00:29:09.440 It's an eerie Okay, So. 571 00:29:09.599 --> 00:29:12.200 What are you saying? He was on the board. He 572 00:29:12.319 --> 00:29:16.440 was on the board, and he took money and left, yep, and. 573 00:29:16.359 --> 00:29:18.640 He tried to run. Can I tell you the name 574 00:29:18.640 --> 00:29:20.839 of the construction company? Because this guy didn't even know 575 00:29:20.839 --> 00:29:23.400 how to run a construction company. I have one hundred 576 00:29:23.480 --> 00:29:27.839 and eighty pitchers of falsified the job. They were trying 577 00:29:27.880 --> 00:29:29.799 to pour cement over rotted wood. 578 00:29:30.720 --> 00:29:35.799 Okay, listen, Sue, you were either a genius or a nut. 579 00:29:36.000 --> 00:29:40.640 There's no in between here. So you are you claiming 580 00:29:41.319 --> 00:29:45.640 that the current HOA stole the money. 581 00:29:45.799 --> 00:29:48.680 I'm not saying all of it, but they were in part. 582 00:29:49.079 --> 00:29:52.319 Instead of getting goodwood, they got third class and this 583 00:29:52.400 --> 00:29:53.319 guy and this. 584 00:29:53.519 --> 00:29:56.000 So you're saying, hold on, are you saying though they 585 00:29:56.079 --> 00:29:59.359 dummied up the bills so they could keep some of them, 586 00:30:00.079 --> 00:30:01.680 so they exaggerated the bills. 587 00:30:01.720 --> 00:30:04.680 You think most definitely he paid himself. He sat out 588 00:30:04.680 --> 00:30:08.119 here in a forget Wait wait, wait, who is he? 589 00:30:08.519 --> 00:30:12.480 Is he? Hold on? Is he the contract? Just wait, Sue, 590 00:30:12.480 --> 00:30:16.839 please wait for the question. The person you're talking about. 591 00:30:17.279 --> 00:30:19.440 Was he the one hired to do the work or 592 00:30:19.599 --> 00:30:23.000 was he an HOA member HOI member? 593 00:30:23.039 --> 00:30:25.200 And he owned a private construction company? 594 00:30:25.480 --> 00:30:29.000 And was that construction company the one to do the repairs? 595 00:30:30.359 --> 00:30:31.400 Yes, he hired him. 596 00:30:32.559 --> 00:30:36.279 Wait, so he hired himself to do the repairs. 597 00:30:38.480 --> 00:30:41.480 She hired Blue Spruce without any of us. 598 00:30:41.880 --> 00:30:45.599 Okay, I'm asking again, does he own or is he 599 00:30:45.720 --> 00:30:47.680 part of the construction company? 600 00:30:48.759 --> 00:30:53.240 No, she found the company he found. 601 00:30:54.400 --> 00:30:56.960 Do you think he's getting kickbacks from this company? 602 00:30:57.839 --> 00:30:59.880 Most definitely did Blues. 603 00:31:00.319 --> 00:31:02.640 Well, you know you better. You know you're on the 604 00:31:02.640 --> 00:31:05.039 air saying this, by the way, and you're subject to 605 00:31:05.079 --> 00:31:09.440 a lawsuit. Okay, Now, Blue Spruce. Did they do all 606 00:31:09.480 --> 00:31:12.359 of the repairs or they just do some of them? 607 00:31:13.039 --> 00:31:16.359 They subcontracted to some people, Okay. 608 00:31:16.359 --> 00:31:21.599 I understand, but they were in charge of the whole project. Correct, Okay, 609 00:31:21.839 --> 00:31:24.279 Hold on a second, Okay, I need to take a break. 610 00:31:25.559 --> 00:31:27.920 We are going to look into this. Okay. In fact, 611 00:31:28.359 --> 00:31:31.319 I'm gonna I really mean this sincerely, I'm gonna have 612 00:31:31.400 --> 00:31:33.799 someone contact you off the air and sue this is 613 00:31:33.839 --> 00:31:36.279 not an insult to you. But we also need to 614 00:31:36.319 --> 00:31:41.279 talk to other people involved, not just you. Okay, do 615 00:31:41.359 --> 00:31:43.599 you think you can give us the names of other 616 00:31:43.680 --> 00:31:48.400 concerned citizens? There? Did she hang up? 617 00:31:49.240 --> 00:31:49.319 No? 618 00:31:49.440 --> 00:31:50.480 I'm right here, I just did. 619 00:31:51.079 --> 00:31:54.559 Okay, she's on hold good, hold on, Katschina. I want 620 00:31:54.559 --> 00:31:56.599 to give this to d right here. Please hang on. 621 00:31:57.000 --> 00:32:03.920 We got more coming up on the Troubleshooter Show. Go 622 00:32:04.079 --> 00:32:07.799 with a sure Thing Denver's Best Roofer Excel roofing dot com. 623 00:32:07.839 --> 00:32:13.559 You don't pay a cent until you're content. Time for 624 00:32:13.599 --> 00:32:16.799 an insurance check up free, no obligation. In comparison, call 625 00:32:16.880 --> 00:32:20.200 Compass insurance paying too much your coverage at dozens of 626 00:32:20.240 --> 00:32:23.160 insurance companies find out now three oh three seven seven 627 00:32:23.160 --> 00:32:25.920 to one. Help you'll think you're his only customer when 628 00:32:26.000 --> 00:32:28.480 you choose Frank durand the real estate man dot com 629 00:32:28.480 --> 00:32:31.599 to list your home with Remax Alliance three oh three 630 00:32:31.680 --> 00:32:38.680 nine two zero sixteen twenty two. Hi Tom Martino, you're 631 00:32:38.720 --> 00:32:42.519 a troubleshooter. Three O three seven one three talk seven 632 00:32:42.559 --> 00:32:46.200 one three eight two five five. Okay, So Troy has 633 00:32:46.240 --> 00:32:50.759 an issue with Frontier Airlines and uh we still have 634 00:32:50.799 --> 00:32:53.640 an insurance expert here. Of course you hear Brian Burns 635 00:32:54.039 --> 00:32:58.079 Compass Insurance Group. This this whole thing has has me crazy, 636 00:32:58.519 --> 00:33:01.359 This hoa thing. Things going on with that Mark. 637 00:33:02.759 --> 00:33:05.079 I have no idea, but I don't like how it 638 00:33:05.200 --> 00:33:08.319 started out. They absconded with the money and went on vacation. 639 00:33:08.519 --> 00:33:11.599 Then they're buying million dollar homes. I don't see any 640 00:33:11.640 --> 00:33:15.000 proof of that. We don't see anything. Something's wrong. I 641 00:33:15.000 --> 00:33:18.079 don't understand why they don't share the books that should 642 00:33:18.160 --> 00:33:21.079 be done. It looks like you're going through the proper 643 00:33:21.160 --> 00:33:23.720 sequence too, in order to kick these people out. 644 00:33:24.880 --> 00:33:28.599 Yeah, okay, now we're now and Deputy D's talking to her. Now, 645 00:33:28.680 --> 00:33:31.519 let's talk to Troy. Troy, what's going on with Frontier? 646 00:33:32.480 --> 00:33:36.599 Hey, good morning, Tom, Thank you for saying Troy. Yeah, 647 00:33:36.640 --> 00:33:40.599 it's interesting because on Sunday I was flying out from 648 00:33:40.599 --> 00:33:44.160 Dimmer to Little Rock to go visit my daughter grandkids, 649 00:33:44.200 --> 00:33:46.559 who was gonna throw me my party for me for 650 00:33:46.680 --> 00:33:50.240 my sixtieth birthday when I turned sixty. On the fourth, 651 00:33:51.039 --> 00:33:57.000 we had flights on Frontier. We went to the airport well, 652 00:33:57.119 --> 00:34:01.039 flight was delayed, but when we started the board, we 653 00:34:01.079 --> 00:34:04.559 were asked to go out on the tarmac and there 654 00:34:04.640 --> 00:34:07.680 was a three tier ramps smoked ramp to get onto 655 00:34:07.720 --> 00:34:12.079 the plane. There were three passengers that were on had 656 00:34:12.119 --> 00:34:16.159 wheelchairs and the first two were put on the plane, 657 00:34:16.719 --> 00:34:19.760 went up the ramp and buy an attendant of Frontier. 658 00:34:20.760 --> 00:34:24.119 The third lady in the wheelchair had a friend with her. 659 00:34:26.480 --> 00:34:29.400 They started to go up the ramp and I noticed 660 00:34:29.400 --> 00:34:31.039 that she was struggling and. 661 00:34:31.000 --> 00:34:32.679 All right, you hold on. I want to come back 662 00:34:32.679 --> 00:34:34.320 to you. I want to hear this story. Please don't 663 00:34:34.320 --> 00:34:36.400 go anywhere. I'm Tom Martina. We have more coming up. 664 00:34:39.320 --> 00:34:42.599 Go with a sure thing Denver's Best Roofer Excel roofing 665 00:34:42.679 --> 00:34:45.360 dot com. You don't pay a cent until you're content. 666 00:34:48.719 --> 00:34:52.280 Time for an insurance checkup, free no obligation comparison call 667 00:34:52.360 --> 00:34:55.679 Compass Insurance paying too much your coverage at dozens of 668 00:34:55.719 --> 00:34:58.639 insurance companies find out now three all three seven seven 669 00:34:58.679 --> 00:35:01.440 to one help you'll think are his only customer when 670 00:35:01.480 --> 00:35:03.960 you choose Frank durand the real estate man dot com 671 00:35:04.000 --> 00:35:07.119 to list your home with Remax Alliance three oh three 672 00:35:07.199 --> 00:35:08.880 nine two zero sixteen twenty two. 673 00:35:14.480 --> 00:35:22.320 Ripped of new need advice, So you don't help come 674 00:35:22.480 --> 00:35:29.000 running just as fast as can. Shooter's gonna help. Come man, 675 00:35:29.199 --> 00:35:30.079 This is. 676 00:35:30.039 --> 00:35:36.199 The Troubleshooter Show. Now Tom Martinez, Hi. 677 00:35:36.199 --> 00:35:39.440 Tom Martin here, Welcome to the show. Three oh three 678 00:35:39.719 --> 00:35:43.480 seven one three talks seven one three eight two five 679 00:35:43.639 --> 00:35:46.880 five Here to help you solve problems, answer questions, take complaints, 680 00:35:47.239 --> 00:35:50.360 make your life just a little easier here, and we 681 00:35:50.440 --> 00:35:53.039 have a lot going on. We have, of course Brian 682 00:35:53.079 --> 00:35:55.360 Burns here the Insurance Health Center. You can always get 683 00:35:55.440 --> 00:35:57.559 your quotes at three oh three nine nine six nine 684 00:35:57.599 --> 00:36:01.280 thousand on Well, it's not just a quote, it's a 685 00:36:01.280 --> 00:36:02.599 review of what you have and if you have a 686 00:36:02.599 --> 00:36:05.320 great deal, they're going to honestly let you know. We've 687 00:36:05.320 --> 00:36:07.400 been very busy this morning. We have to go back 688 00:36:07.440 --> 00:36:12.320 to the phones. This issue with Frontier Airlines. Troy was 689 00:36:12.360 --> 00:36:15.280 telling us that he was boarding a plane. There was 690 00:36:15.320 --> 00:36:17.920 a three level ramp to board the plane. There were 691 00:36:17.960 --> 00:36:22.760 three people in three passengers and wheelchairs. Continue your story, Troy, 692 00:36:22.840 --> 00:36:23.760 What was going on then? 693 00:36:24.480 --> 00:36:27.599 All right? Thanks Tom? Yeah, the main purpose is that 694 00:36:27.679 --> 00:36:31.480 I was removed from the air the airline that day 695 00:36:32.440 --> 00:36:33.400 for I didn't know. 696 00:36:33.599 --> 00:36:37.400 Hold on, how did that happen? I mean you you 697 00:36:37.559 --> 00:36:39.840 talked about, well, how did that have? 698 00:36:39.960 --> 00:36:42.760 Talked about three people in wheelchairs going up a ramp. 699 00:36:42.800 --> 00:36:43.800 Two of them got it, and. 700 00:36:43.840 --> 00:36:45.760 Now you were removed from the flight. Why were you 701 00:36:45.800 --> 00:36:47.719 removed from the flight? For goodness sakes? 702 00:36:48.199 --> 00:36:52.159 Because when I noticed that the third person in the 703 00:36:52.199 --> 00:36:56.679 wheelchair needed assistance, I went up to the gentleman and said, 704 00:36:56.760 --> 00:36:58.679 are you not going to help this lading and go 705 00:36:58.760 --> 00:37:00.960 up to the ram, I said I, And he gave 706 00:37:01.199 --> 00:37:03.880 motion that I could help her. So I went and 707 00:37:04.239 --> 00:37:06.119 I took over the wheelchair and I pushed it up 708 00:37:06.760 --> 00:37:10.400 the ramp. When I got to the entrance of the 709 00:37:12.519 --> 00:37:15.480 door of the airplane, there were two flight attendants just 710 00:37:15.519 --> 00:37:19.360 standing inside. They did not recognize that we've got there yet. 711 00:37:19.920 --> 00:37:23.440 So I tilted the wheelchair back at an angle and 712 00:37:23.519 --> 00:37:26.760 got the front wheels up into the airplane. I started 713 00:37:26.800 --> 00:37:28.840 to push it into the plane and I got the 714 00:37:28.880 --> 00:37:32.840 rear wheels to the small, little six inch ramp. The 715 00:37:32.840 --> 00:37:34.800 flight attendant then noticed. 716 00:37:34.480 --> 00:37:35.440 That I was there. 717 00:37:35.519 --> 00:37:37.760 She walked up in front of the wheelchair and said, sir, 718 00:37:38.000 --> 00:37:41.920 we can't have the wheelchair come into the into the airplane. 719 00:37:42.199 --> 00:37:44.400 And I said, well, here, let me just get it 720 00:37:44.480 --> 00:37:46.760 up level and we can get her out. So I 721 00:37:46.800 --> 00:37:48.920 picked up the rear of the wheelchair and pushed it 722 00:37:48.920 --> 00:37:53.039 in another six inches. The wheelchair was level. I helped 723 00:37:53.039 --> 00:37:55.679 the lady get out of the wheelchair. She stood there 724 00:37:55.679 --> 00:37:59.280 with her hand on the wall. I removed the wheelchair 725 00:37:59.320 --> 00:38:02.519 from the airplane. Her friend and her thanked me very much. 726 00:38:03.039 --> 00:38:06.480 I took the wheelchair down the ramp. When I came out, 727 00:38:06.719 --> 00:38:12.079 all of the passengers applauded this started copying they did. 728 00:38:12.559 --> 00:38:15.440 They then allowed us to board the plane. We got 729 00:38:15.440 --> 00:38:17.920 on the plane. We were sitting on the plane for 730 00:38:17.920 --> 00:38:20.719 at least thirty minutes with the door not being closed, 731 00:38:21.320 --> 00:38:25.039 and the staff was up front have being conversation, and 732 00:38:25.960 --> 00:38:29.440 we knew something was going on. And shortly after I 733 00:38:29.519 --> 00:38:31.440 thought that they started to talk about me, because I 734 00:38:31.440 --> 00:38:33.920 saw him pointing at me a couple times. And after 735 00:38:33.960 --> 00:38:39.119 forty five minutes of delay, one of the supervisors customer 736 00:38:39.159 --> 00:38:40.800 service walked up to me and said, sir, do you 737 00:38:40.800 --> 00:38:43.039 have a bag? I need you to talk to you. 738 00:38:43.119 --> 00:38:46.159 Off the plane. I was traveling with my girlfriend. 739 00:38:46.760 --> 00:38:49.639 Now, let me ask you something, Troy. Troy, Yeah, I 740 00:38:49.719 --> 00:38:55.679 understand you're telling me your story. But did you say 741 00:38:55.800 --> 00:38:59.000 or do anything out of frustration or anger or anything? Now, 742 00:38:59.079 --> 00:39:02.320 now we all remember story about Terrell Davis being kicked 743 00:39:02.320 --> 00:39:05.639 off a plane for nothing. I mean, did they was 744 00:39:05.719 --> 00:39:11.360 there anything that they mistook for aggression or frustration or anger? Okay? 745 00:39:11.960 --> 00:39:13.800 So since I did not know why I was getting 746 00:39:13.800 --> 00:39:17.360 removed off the plane. Once I did get off the plane, 747 00:39:17.519 --> 00:39:20.480 I was told that the flight attendant said that I 748 00:39:20.599 --> 00:39:21.960 rammed her with the wheelchair. 749 00:39:22.360 --> 00:39:25.480 Okay, so there was there was a reason. And again, 750 00:39:25.800 --> 00:39:29.000 like they said, like Terrell Davis was accused on another 751 00:39:29.039 --> 00:39:33.599 airline of of of attacking someone. I can these these 752 00:39:33.639 --> 00:39:37.400 flight attendants are overly sensitive. I swear to God they 753 00:39:37.400 --> 00:39:42.199 are so so they basically punished you. Correct. 754 00:39:43.039 --> 00:39:46.239 Yeah, So what was so interesting is that if me 755 00:39:46.440 --> 00:39:49.960 hitting her or ramming her with the wheelchair, it had 756 00:39:49.960 --> 00:39:53.039 to be at that moment when I lifted the wheelchair up. 757 00:39:53.239 --> 00:39:53.719 I get it. 758 00:39:54.840 --> 00:40:01.480 Yeah, And so when we were getting off, I didn't 759 00:40:01.519 --> 00:40:04.000 want to go off in handcuffs, so I most definitely 760 00:40:04.039 --> 00:40:06.599 did not say anything. All I said was that when 761 00:40:06.639 --> 00:40:08.840 I stood up to grab my bag, I turned to 762 00:40:08.880 --> 00:40:11.920 the passengers and I said, I apologize for this delay. 763 00:40:12.480 --> 00:40:15.760 Didn't realize I said to the lady that I helped 764 00:40:15.760 --> 00:40:18.960 in the wheelchair. I hope you can help explain this, 765 00:40:19.440 --> 00:40:21.679 you know, because she's I think there's two sides. 766 00:40:22.199 --> 00:40:25.119 I understand. No, Troy, you don't sound like a nuts. 767 00:40:25.159 --> 00:40:25.960 So what happened then? 768 00:40:27.199 --> 00:40:31.119 So we went ahead and exit the plane. When we 769 00:40:31.159 --> 00:40:34.679 got down by the ticket area, the customer service was 770 00:40:34.719 --> 00:40:38.239 explaining to me the reason, and she said that the 771 00:40:38.280 --> 00:40:43.239 flight attendant accused me of hitting her with the wheelchair, 772 00:40:43.440 --> 00:40:47.360 and she felt unsafe for me to travel on the plane. 773 00:40:47.800 --> 00:40:50.960 This is the Terrell Davis story all over again, all 774 00:40:50.960 --> 00:40:51.519 over again. 775 00:40:51.679 --> 00:40:55.400 I never had two words with this lady other than 776 00:40:55.559 --> 00:40:58.320 can I you know too, Let's get this lady. 777 00:40:58.360 --> 00:41:00.920 Troy, I believe you. So what happened? Since then? 778 00:41:02.599 --> 00:41:05.760 Since then I filed a couple of complaints. I have 779 00:41:06.039 --> 00:41:09.880 received a couple of letters from Frontier, and in my opinion, 780 00:41:09.880 --> 00:41:15.599 the letter. Most definitely references you know that there was 781 00:41:15.639 --> 00:41:16.760 obviously the issue. 782 00:41:19.079 --> 00:41:21.599 Did you ever get the name you need the woman 783 00:41:21.639 --> 00:41:24.679 you were pushing? Was she aware? Was she alert? Could 784 00:41:24.719 --> 00:41:28.639 she say he never intentionally touched her or rammed her 785 00:41:28.760 --> 00:41:29.320 or anything? 786 00:41:30.159 --> 00:41:32.239 Yes, most definitely tell him that's what I mean. 787 00:41:32.880 --> 00:41:35.719 Do you have her name and number? Sir? Yeah? 788 00:41:35.880 --> 00:41:38.400 No, I never got it because they just made me 789 00:41:38.440 --> 00:41:41.880 exit the plane. I wish I have reached out, and. 790 00:41:41.960 --> 00:41:43.639 I don't know what you can do about it at 791 00:41:43.679 --> 00:41:45.679 this point. Does anyone have any suggestion? 792 00:41:45.880 --> 00:41:47.599 Well, did you get a refund? Did you get on 793 00:41:47.639 --> 00:41:49.719 another plane? What happened in that aspect? 794 00:41:50.599 --> 00:41:53.480 They did said that they could refund us and that 795 00:41:53.519 --> 00:41:55.880 they could get us on the next flight, But the 796 00:41:55.880 --> 00:41:58.559 next flight they only do it on Sundays and Thursdays. 797 00:41:58.599 --> 00:42:00.079 And did you get another flo. 798 00:42:01.760 --> 00:42:05.119 We did not, because I would have got another flight 799 00:42:05.199 --> 00:42:07.559 then I would assume him. 800 00:42:07.559 --> 00:42:10.639 So I'm looking for legal counsel advice right now. 801 00:42:11.400 --> 00:42:13.840 We also know that you don't need legal counsel. 802 00:42:13.880 --> 00:42:15.119 What you need is a damage. 803 00:42:15.159 --> 00:42:16.400 I don't know what your damage is. 804 00:42:16.440 --> 00:42:19.320 You didn't you didn't end up going they gave you 805 00:42:19.400 --> 00:42:22.679 a refund, You didn't buy another flight that was more expensive. 806 00:42:23.039 --> 00:42:26.239 Did you cancel a hotel? Did something happen where you 807 00:42:26.320 --> 00:42:27.000 lost money? 808 00:42:27.920 --> 00:42:28.239 Yes? 809 00:42:29.000 --> 00:42:30.599 Yes, that I would assume him. 810 00:42:30.519 --> 00:42:32.880 For whatever that is in small claim score. You don't 811 00:42:32.920 --> 00:42:35.559 need an attorney. It sounds like it's under seventy five 812 00:42:35.639 --> 00:42:39.920 hundred bucks and if it's valid, I would agree with you, right. 813 00:42:40.119 --> 00:42:42.159 I think, I think Tom. The issue that I have 814 00:42:42.320 --> 00:42:47.519 is I have two Frontier employees that are basically not 815 00:42:47.679 --> 00:42:53.400 telling the true story. They said that they asked the 816 00:42:53.519 --> 00:42:57.639 lady if she needed help, And there is on a 817 00:42:57.679 --> 00:43:01.960 Reddit response that has now five and response the gentleman 818 00:43:02.119 --> 00:43:06.159 rights On there he says, the craziest thing happened on 819 00:43:06.320 --> 00:43:10.159 the flight today. A man was requested to removed from 820 00:43:10.199 --> 00:43:13.039 the thing for helping a lady in a wheelchair. 821 00:43:13.880 --> 00:43:16.760 And the stories wonderful and all I'm telling you just 822 00:43:16.840 --> 00:43:19.320 sue them. Just sue them in small claims court for 823 00:43:19.400 --> 00:43:22.679 whatever the actual damages are. And if if they're true 824 00:43:22.760 --> 00:43:25.480 damages and you missed a hotel where you have money 825 00:43:25.480 --> 00:43:28.599 out of pocket, they'll probably show up and pay for it. 826 00:43:29.679 --> 00:43:34.440 Okay, Yeah, I think probably the damage is just me 827 00:43:34.559 --> 00:43:37.400 not getting the ability to go see my granddaughter who 828 00:43:37.440 --> 00:43:40.800 was sawing me a birthday party, and we would have 829 00:43:40.840 --> 00:43:45.039 had to buy flights on another airline. And I'm an 830 00:43:45.039 --> 00:43:48.079 elite member for a Frontier and so I was using 831 00:43:48.199 --> 00:43:52.679 miles to get there. And so yes, they afterwards yesterday 832 00:43:52.719 --> 00:43:54.239 and they're on my complaint. 833 00:43:54.559 --> 00:43:55.440 Roy, I get all that. 834 00:43:55.559 --> 00:43:58.440 Unfortunately, with small claims court, you're not going to sue 835 00:43:58.440 --> 00:44:02.559 for missing your birthday party. Your granddaughter was throwing you. 836 00:44:02.599 --> 00:44:04.599 But if you had a hotel there, if you had 837 00:44:04.599 --> 00:44:08.159 a rental car, if you truly lost money, or if 838 00:44:08.199 --> 00:44:10.760 you did buy another ticket, which we already know you 839 00:44:10.800 --> 00:44:15.000 didn't and did have additional expenses, that would be valid too. 840 00:44:15.039 --> 00:44:19.400 But you don't have any of that. Sure it does suck, though, 841 00:44:20.920 --> 00:44:23.159 if you don't know how to fly Frontier. 842 00:44:23.679 --> 00:44:25.800 It's hard, man, It's really hard. 843 00:44:25.960 --> 00:44:26.280 I hate. 844 00:44:26.280 --> 00:44:29.400 But it's not just Frontier. The airlines are getting crazy. 845 00:44:29.599 --> 00:44:30.199 Yeah, I agree. 846 00:44:30.239 --> 00:44:32.679 They you know, they kind of became like Nazis over 847 00:44:32.760 --> 00:44:36.519 a COVID, you know they, I mean really they've become 848 00:44:36.599 --> 00:44:38.360 I hate throwing that word around. I'm going to take 849 00:44:38.400 --> 00:44:42.280 that back. They become very hard to deal with since COVID. 850 00:44:42.320 --> 00:44:43.159 It seems. 851 00:44:45.599 --> 00:44:50.000 I don't know, man, it's weird. I mean, she didn't 852 00:44:50.039 --> 00:44:54.519 feel safe with you there, Troy. Were you grumping? Were 853 00:44:54.559 --> 00:44:56.920 you yelling? Were you causing a scene? 854 00:44:57.880 --> 00:45:00.000 Not at all, Not at all in that. 855 00:45:00.000 --> 00:45:00.559 That's the thing. 856 00:45:00.599 --> 00:45:04.480 If you read the Reddit responses, the customers were blown away. 857 00:45:04.559 --> 00:45:07.199 They said, this man helped his lady in a wheelchair 858 00:45:07.639 --> 00:45:08.920 and now he's getting kicked. 859 00:45:09.000 --> 00:45:11.840 I would I would post and post and post as 860 00:45:11.920 --> 00:45:14.480 much as I could. I would have gotten the name 861 00:45:14.519 --> 00:45:17.320 of the lady and I would have you know because 862 00:45:17.360 --> 00:45:20.480 you needed some witnesses on that flight. What flight number 863 00:45:20.639 --> 00:45:22.920 was it? And really we should we should put the 864 00:45:22.960 --> 00:45:26.000 word out in case someone is listening. Weirder things have 865 00:45:26.119 --> 00:45:27.119 happened on the show. 866 00:45:28.039 --> 00:45:31.360 Yeah, it was a Frontier flight F nine four seven 867 00:45:31.559 --> 00:45:35.599 seven six leaving from Denver to Little Rock at two 868 00:45:35.599 --> 00:45:37.000 point thirty on Sunday. 869 00:45:38.480 --> 00:45:44.360 It actually on Frontier flight F nine four seven seven six, 870 00:45:44.800 --> 00:45:48.159 And it was leaving departing for Little. 871 00:45:47.960 --> 00:45:52.079 Rock YEP when partying Denver, going too Little rock. 872 00:45:52.000 --> 00:45:54.679 YEP departing four Little Rock. 873 00:45:54.480 --> 00:45:59.599 Win at two thirty DM, and it wouldn't leave until 874 00:45:59.679 --> 00:46:03.719 four forty. It was the way two hours and ten minutestosa. 875 00:46:03.239 --> 00:46:06.960 And it was on Sunday afternoon. Yes, it was this 876 00:46:07.280 --> 00:46:13.800 just this past Sunday. Yep, Hey, Mark, you've done this before. 877 00:46:14.480 --> 00:46:16.960 How do you serve Frontier? You know how to do that? 878 00:46:17.599 --> 00:46:20.000 Yeah, you just look at Yeah you you serve them 879 00:46:20.000 --> 00:46:21.880 in Littleton to be precise. 880 00:46:21.960 --> 00:46:25.920 But yeah, well you did lose something, did you? When 881 00:46:26.000 --> 00:46:27.679 did you end up going or did you skip the 882 00:46:28.159 --> 00:46:28.760 whole trip? 883 00:46:29.840 --> 00:46:32.719 You skipped the whole trip just due to that. We 884 00:46:32.719 --> 00:46:35.360 weren't willing financially and everything to want to buy new 885 00:46:35.400 --> 00:46:37.519 tickets because I didn't know if I'd ever get refund. 886 00:46:37.719 --> 00:46:41.880 So then did you? Oh you did get a refund though, Well. 887 00:46:41.800 --> 00:46:44.000 The thing is a Frontier only flies on Sundays and 888 00:46:44.039 --> 00:46:46.039 Thursdays to Little Rock, and so they offered. 889 00:46:46.159 --> 00:46:47.840 But you, but you did get a refund. 890 00:46:49.400 --> 00:46:52.400 In the letter they said that they would refund my 891 00:46:52.519 --> 00:46:56.159 forty thousand miles And yes, okay, so I did get 892 00:46:56.159 --> 00:46:56.639 that refund. 893 00:46:56.760 --> 00:47:00.000 Yeah, then you'll sign a release, I assured. All right, listen, 894 00:47:00.039 --> 00:47:03.639 And I think it sucks. I'm sorry it happened to you, 895 00:47:03.840 --> 00:47:06.400 and I wish week. I don't think it's just uh, 896 00:47:07.360 --> 00:47:10.480 I don't think it's just Frontier Airlines. Look what happened 897 00:47:10.480 --> 00:47:16.639 with Terrell Davis, wasn't it Terrell Davis? Right, yes on Frontier. 898 00:47:16.760 --> 00:47:20.079 I'm excuse me, United, it was terrible. Did you hear 899 00:47:20.119 --> 00:47:21.079 the story Mark, Yeah? 900 00:47:21.079 --> 00:47:21.320 I did. 901 00:47:21.360 --> 00:47:24.159 I just don't remember what airline? Yeah it was United 902 00:47:24.559 --> 00:47:26.559 and uh anyway, we have more coming up on the 903 00:47:26.559 --> 00:47:29.239 Troubleshooter Show three oh three seven one three A two 904 00:47:29.280 --> 00:47:32.440 five five. You know this whole thing, man, people are 905 00:47:32.440 --> 00:47:36.639 getting crazy by the way, Denverregen dot com. Yes, my 906 00:47:36.719 --> 00:47:39.400 hair is growing. I actually had the you get three 907 00:47:39.440 --> 00:47:44.480 treatments for one price for hair restoration using stem cells, 908 00:47:44.519 --> 00:47:47.719 and it's it's working. It really is. I mean, I'm 909 00:47:47.760 --> 00:47:50.320 amazed by it. But also they can get rid of 910 00:47:50.360 --> 00:47:54.159 your pain. They can do painful joints Denver Regen dot 911 00:47:54.199 --> 00:48:03.039 com with a sure thing Denver's Best roofer Excel Roofing 912 00:48:03.159 --> 00:48:05.800 dot com. You don't pay a cent until you're content. 913 00:48:09.199 --> 00:48:12.360 Time for an insurance check up free no obligation comparison 914 00:48:12.519 --> 00:48:16.079 call Compass Insurance paying too much your coverage at dozens 915 00:48:16.079 --> 00:48:18.800 of insurance companies find out now three oh three seven 916 00:48:18.920 --> 00:48:21.679 seven to one help. You'll think you're his only customer 917 00:48:21.760 --> 00:48:24.000 when you choose Frank durand the Real Estate Man dot 918 00:48:24.039 --> 00:48:27.360 com to list your home with Remax Alliance three oh 919 00:48:27.400 --> 00:48:37.960 three nine two zero sixteen twenty two. Hi Tom Martino, 920 00:48:39.039 --> 00:48:43.480 your troubleshooter. Three O three seven one three talk seven 921 00:48:43.559 --> 00:48:49.960 one three eight two five five. All right, let's uh 922 00:48:50.039 --> 00:48:55.880 talk here Ron. Now this is a big follow up. 923 00:48:55.920 --> 00:48:59.000 This thing sucks. Is Bo around to talk about this? 924 00:49:00.760 --> 00:49:02.599 And he is not here today, Sir, I don't know 925 00:49:02.639 --> 00:49:08.480 if he's listening. Here's what happened. Ron has had a 926 00:49:08.559 --> 00:49:14.119 leak in his ceiling in his apartment and it was 927 00:49:14.159 --> 00:49:17.920 coming from a heat exchanger in the ceiling. They claim 928 00:49:18.559 --> 00:49:21.239 that it froze up because of his air conditioner and 929 00:49:21.320 --> 00:49:23.880 he tried to make his place too cool. 930 00:49:24.000 --> 00:49:26.480 Yeah, he dropped a temp on the thermostat too much 931 00:49:26.480 --> 00:49:27.320 and it froze the. 932 00:49:27.360 --> 00:49:32.039 Unit, which leaked hot water. And then it's just a 933 00:49:32.079 --> 00:49:35.360 long story. Bo says, there's no way in hell he 934 00:49:35.400 --> 00:49:38.760 was responsible for that. Bo, by the way, for years 935 00:49:38.760 --> 00:49:40.440 and years and years and years and years, was in 936 00:49:40.480 --> 00:49:44.719 the HVAC system and the supply system and the whole life. Yeah, 937 00:49:44.840 --> 00:49:46.800 he knows all about it. He went out there and 938 00:49:46.800 --> 00:49:50.320 looked at it. But they're still charging him for damages 939 00:49:50.400 --> 00:49:54.159 they were charging Ron. So, Ron, what is the follow 940 00:49:54.239 --> 00:49:57.079 up that you have? We told you, you have an 941 00:49:57.079 --> 00:50:00.519 expert defy them. What's going on on now? 942 00:50:02.679 --> 00:50:05.400 Oh yeah, I try to contact Bo, but I hadn't 943 00:50:05.440 --> 00:50:07.239 hurt her back. But I tried to pay the rent 944 00:50:07.280 --> 00:50:10.760 Thursday and she refuses. She returned it and said I 945 00:50:10.800 --> 00:50:13.119 have to pay the damages along with the rent. 946 00:50:14.239 --> 00:50:17.159 Well, here's the deal. We already talked to Brad O'Brien 947 00:50:17.239 --> 00:50:17.559 on this. 948 00:50:18.119 --> 00:50:20.400 What did he say, Mark, I'm looking up the colt 949 00:50:20.480 --> 00:50:20.840 go ahead. 950 00:50:20.840 --> 00:50:23.719 It's pretty straightforward. He's going to have his time in court. 951 00:50:23.800 --> 00:50:26.119 If they're actually not going to take his money, you 952 00:50:26.239 --> 00:50:28.400 need to make sure not to spend that money like 953 00:50:28.440 --> 00:50:30.840 a lot of people do. And then if they actually 954 00:50:30.880 --> 00:50:33.559 post the eviction notice, you show up to court and 955 00:50:33.639 --> 00:50:36.079 that's where you will have your time to fight the eviction. 956 00:50:36.159 --> 00:50:39.119 And in fact, I thought Brad said you had. Brad said, 957 00:50:39.159 --> 00:50:42.199 you probably have a really good chance of prevailing. 958 00:50:42.039 --> 00:50:45.960 Really really good chance if everything you're telling us is correct, 959 00:50:46.159 --> 00:50:48.119 and Bo would be happy to go with you. 960 00:50:49.840 --> 00:50:51.239 Okay, that's all I needed to know. 961 00:50:52.000 --> 00:50:53.280 So here's what I want you to do. 962 00:50:53.400 --> 00:50:54.880 But don't mark money. 963 00:50:55.639 --> 00:50:59.639 Mark said truer words than if we're ever spoken here. 964 00:51:00.199 --> 00:51:04.039 Most people when they withhold or when rent's not accepted, 965 00:51:04.159 --> 00:51:07.639 or they withhold they spend it. You want to show 966 00:51:07.679 --> 00:51:12.400 the judge a cashier's check for every dime you owe 967 00:51:12.480 --> 00:51:15.519 the day you show up and said your honor. They 968 00:51:15.519 --> 00:51:19.480 were trying to evict me for not paying damages. I 969 00:51:19.519 --> 00:51:22.599 am not responsible for those damages. It was in a 970 00:51:22.800 --> 00:51:26.199 unit in the ceiling. You'd be very simple. Remember, the 971 00:51:26.239 --> 00:51:29.199 one who wins is the one who explains their their 972 00:51:29.239 --> 00:51:33.599 their explains it better. And you'll have an expert with you. 973 00:51:33.719 --> 00:51:36.039 So if they have an expert saying he calls the 974 00:51:36.119 --> 00:51:38.599 damage bo is very convincing. 975 00:51:39.719 --> 00:51:42.719 I'm telling you right, Okay, sound good? 976 00:51:43.000 --> 00:51:44.199 What the hell was that? 977 00:51:44.760 --> 00:51:49.119 I didn't do it? I didn't touch anything, Shannon? 978 00:51:49.400 --> 00:51:51.360 Was that you? 979 00:51:51.440 --> 00:51:56.800 Shannon? All right? I have a question for Brian Burns 980 00:51:57.480 --> 00:51:59.719 from Compass. Let me get to my way chat here 981 00:51:59.719 --> 00:52:02.480 and then okay, so listen, Brian. They want to know 982 00:52:04.360 --> 00:52:09.199 what do you recommend now? Because we've talked about ACV policies. 983 00:52:09.280 --> 00:52:15.599 Their condo development has an ACV policy. This person's afraid 984 00:52:15.599 --> 00:52:18.360 of being socked with big giant bills. What do they 985 00:52:18.440 --> 00:52:20.440 do to ensure themselves? 986 00:52:20.639 --> 00:52:24.239 Okay, so on their condo policy, also called an HO 987 00:52:24.480 --> 00:52:29.519 six policy, make sure you have coverage for loss assessments. 988 00:52:29.559 --> 00:52:32.119 But that's not even good enough. So first of all, 989 00:52:32.199 --> 00:52:34.400 for loss assessments, I would carry as high as you 990 00:52:34.440 --> 00:52:36.159 can go. A lot of carriers will go up to 991 00:52:36.239 --> 00:52:39.599 fifty thousand, and it's not very expensive right now, at 992 00:52:39.679 --> 00:52:42.440 least to get that coverage. But then you need to 993 00:52:42.480 --> 00:52:46.280 read the policy and make sure they don't have a 994 00:52:46.440 --> 00:52:50.519 limitation if it's as of the result of an HOA deductible. 995 00:52:51.039 --> 00:52:53.239 There's language in a lot now. 996 00:52:53.000 --> 00:52:57.079 I explain that, okay, So if you get loss assessment coverage, yep, 997 00:52:58.239 --> 00:53:02.559 you want to make sure the policy covers the assessments 998 00:53:03.039 --> 00:53:04.960 for deductibles. 999 00:53:04.199 --> 00:53:06.400 For an HOA deductible, and they have some of them, 1000 00:53:06.440 --> 00:53:09.039 don't There's language in there that you might on your 1001 00:53:09.079 --> 00:53:13.039 declaration page have a fifty thousand dollars limit for loss assessment, 1002 00:53:13.559 --> 00:53:16.079 but if you read the policy, it says we'll only 1003 00:53:16.119 --> 00:53:19.119 cover up to five thousand if it's the result of 1004 00:53:19.159 --> 00:53:20.400 an HOA deductible. 1005 00:53:20.800 --> 00:53:22.320 Then when would they cover fifty? 1006 00:53:22.400 --> 00:53:27.880 To me, there's very little chance they're ever going out 1007 00:53:27.880 --> 00:53:30.199 to pay the fifty in that case, because I guess 1008 00:53:30.239 --> 00:53:32.880 if the HOA, if the policy doesn't cover it all together, 1009 00:53:32.920 --> 00:53:35.360 In other words, if it's not covered there and it's 1010 00:53:35.360 --> 00:53:38.400 falling to you and it's a covered peril, I guess 1011 00:53:38.840 --> 00:53:41.760 you would. But majority of losses are going to be 1012 00:53:41.760 --> 00:53:44.039 because of the HOA deductible. 1013 00:53:45.800 --> 00:53:50.920 That's very interesting. So you have to make sure you 1014 00:53:51.039 --> 00:53:55.800 have the type of loss assessment coverage that does cover 1015 00:53:55.960 --> 00:54:01.519 you for deductibles. 1016 00:54:00.280 --> 00:54:02.599 For the HOA deductor for the whole amount. 1017 00:54:02.920 --> 00:54:07.760 And of course if you don't have insurance, loss assessment 1018 00:54:07.800 --> 00:54:11.559 coverage will cover your assessment. If if it's a covered peril, 1019 00:54:11.800 --> 00:54:14.119 you got to really be careful. The easiest thing is 1020 00:54:14.199 --> 00:54:16.800 just called compass. Seriously, Yeah, three h three nine ninety 1021 00:54:16.800 --> 00:54:17.519 six nine. 1022 00:54:17.280 --> 00:54:19.960 Hey, real quick. I doubt this would ever happen because 1023 00:54:19.960 --> 00:54:23.639 it's mostly liability, but some property do any umbrellas kick 1024 00:54:23.719 --> 00:54:24.320 in after that? 1025 00:54:24.480 --> 00:54:25.800 Or that's never been done. 1026 00:54:26.719 --> 00:54:28.880 I'm sorry, so say that again. The umbrella to cover 1027 00:54:28.960 --> 00:54:29.480 what if. 1028 00:54:29.519 --> 00:54:32.239 Umbrellas are Yeah, go ahead, if you had some form 1029 00:54:32.280 --> 00:54:35.599 of umbrella coverage, would it actually extend on top of that? 1030 00:54:36.199 --> 00:54:39.079 Umbrellas are only for liability, That's what I started. 1031 00:54:39.119 --> 00:54:42.679 It will ever cover lost assessments coverage. It is purely 1032 00:54:42.760 --> 00:54:44.760 for your liability. If you're if you're getting sued. 1033 00:54:44.800 --> 00:54:47.239 For some reason, Tim had an issue with his son's 1034 00:54:47.280 --> 00:54:50.880 dirt bike. Ee, I think a month ago. Hey, Tim, 1035 00:54:50.920 --> 00:54:52.760 I can't find the call right this second. I'm going 1036 00:54:52.800 --> 00:54:55.199 to look for it. Explain what the situation was with 1037 00:54:55.280 --> 00:54:55.920 that dirt bike. 1038 00:54:57.039 --> 00:54:59.599 Oh yeah, I called you a while back. It's a 1039 00:54:59.639 --> 00:55:01.679 sund I'm that electric dirt bike I called you that 1040 00:55:01.760 --> 00:55:02.000 I got. 1041 00:55:02.199 --> 00:55:04.480 Oh yeah, I remember he saved up his money for that. 1042 00:55:04.880 --> 00:55:07.079 How long ago did you call? Tim? 1043 00:55:07.559 --> 00:55:09.760 God, I'm on say, four or five weeks ago. It's 1044 00:55:09.760 --> 00:55:12.119 been it's been a bit a minute, okay. 1045 00:55:12.239 --> 00:55:14.000 And and what happened? 1046 00:55:14.119 --> 00:55:15.800 Where did you get stolen from? 1047 00:55:16.400 --> 00:55:19.480 I got stolen monument right behind the high school? Because 1048 00:55:19.800 --> 00:55:20.199 didn't you. 1049 00:55:20.159 --> 00:55:21.679 Say you kind of know who took it? 1050 00:55:22.800 --> 00:55:24.880 Yeah, we do, and our hunch was right. We got 1051 00:55:24.880 --> 00:55:28.559 the bike back last night. We we we saw this 1052 00:55:28.679 --> 00:55:30.719 kid riding all over town. We chased him down a 1053 00:55:30.760 --> 00:55:32.679 few times, and we finally caught up to him and 1054 00:55:32.719 --> 00:55:35.920 got an address, and we got it back last night. 1055 00:55:35.960 --> 00:55:38.760 But my question was, now, how'd you get it back? 1056 00:55:40.400 --> 00:55:42.039 Well, we called the police because we know where the 1057 00:55:42.079 --> 00:55:45.400 kid lived, and we said, we chased this kid all 1058 00:55:45.400 --> 00:55:46.480 over town and these things are. 1059 00:55:46.400 --> 00:55:48.519 Yeah, but what did police help you get it back. 1060 00:55:49.320 --> 00:55:49.800 They did it. 1061 00:55:49.960 --> 00:55:51.840 Yes, the police went and knocked on the door and 1062 00:55:52.039 --> 00:55:54.599 interviewed the parents, and then the kid came home and 1063 00:55:54.639 --> 00:55:57.679 then they saw that they scraped the cereal numbers off, 1064 00:55:57.719 --> 00:55:59.800 so they drinded him off completely. So I had a 1065 00:55:59.800 --> 00:56:03.280 hard time proving it was mine. But there is certain 1066 00:56:03.320 --> 00:56:04.960 things on the bike that we did do it and 1067 00:56:05.000 --> 00:56:07.199 it matched the description. So they give it back to us. 1068 00:56:07.960 --> 00:56:08.199 Wow. 1069 00:56:08.920 --> 00:56:11.000 What did the parents have to say about all this? 1070 00:56:11.320 --> 00:56:14.760 They would have known if the kid charged. Was the 1071 00:56:14.840 --> 00:56:15.760 kid charged? 1072 00:56:16.599 --> 00:56:20.000 He's getting charge with the felony. Yes, he repression charges 1073 00:56:20.039 --> 00:56:23.840 absolutely good. And ironically the parents, believe it or not, 1074 00:56:23.920 --> 00:56:26.800 are mad because they put a thousand dollars into upgrades 1075 00:56:26.800 --> 00:56:28.760 on the bike, they said, and they they're asking for 1076 00:56:28.840 --> 00:56:33.039 their money, like, are you kidding me? So that was weird. 1077 00:56:33.079 --> 00:56:35.199 But my question was it does have a lot of 1078 00:56:35.280 --> 00:56:37.519 damage to it, and this bike was brand new, it 1079 00:56:37.639 --> 00:56:42.840 only had two hundred miles on it. And well, the 1080 00:56:42.880 --> 00:56:45.239 home owners told me that since it has wheels, it's 1081 00:56:45.239 --> 00:56:48.199 not covered. It would be a special ATV. 1082 00:56:48.000 --> 00:56:48.559 Okay, Well. 1083 00:56:51.360 --> 00:56:54.320 Is that under your belliwick, Brian, hold on? Go ahead? 1084 00:56:54.519 --> 00:56:57.159 So yeah, I'm sorry, it was a bike, Is that 1085 00:56:57.199 --> 00:56:59.719 what he said? Or a motorcycle, motorcycle? Yeah, anything so 1086 00:56:59.760 --> 00:57:00.679 the way, not. 1087 00:57:00.639 --> 00:57:04.039 A motor kind of like an electric bike, it's. 1088 00:57:03.880 --> 00:57:06.960 Not well it's electric, yeah, an electric dirt bike? 1089 00:57:07.159 --> 00:57:11.400 Okay, well electric bikes, there's some You could have coverage 1090 00:57:11.440 --> 00:57:14.320 underneath your personal property, yes, but if it if it's 1091 00:57:14.440 --> 00:57:18.000 deemed more of a motorcycle or motor vehicle, man, then 1092 00:57:18.159 --> 00:57:20.280 then you wouldn't because you have to get anything you 1093 00:57:20.320 --> 00:57:22.679 can get insurance on its own. That's what I was 1094 00:57:22.880 --> 00:57:25.159 going to have an exclusion on that homeowner policy. 1095 00:57:25.159 --> 00:57:27.960 Can he get tags on this and actually get insurance 1096 00:57:28.000 --> 00:57:29.519 on this motorcycle thing. 1097 00:57:30.239 --> 00:57:32.039 That's what I'm saying. Yeah, I would sure think so. 1098 00:57:32.079 --> 00:57:34.039 If it's a dirt bike, you could, I don't know. 1099 00:57:34.079 --> 00:57:35.440 I'm asking the guy, can. 1100 00:57:35.320 --> 00:57:38.199 You No, we have to get an always be sticker 1101 00:57:38.199 --> 00:57:39.559 to ride it up in the trails and park. 1102 00:57:39.679 --> 00:57:42.280 Yeah, it's just a trail bike, man, it's probably not 1103 00:57:42.360 --> 00:57:43.320 even straight legal. 1104 00:57:43.400 --> 00:57:44.480 Brian, Yeah, I know. 1105 00:57:44.559 --> 00:57:46.800 But the same thing if you had a dirt bike 1106 00:57:47.119 --> 00:57:51.199 like a you know, a Kawasaki two fifty or something 1107 00:57:51.239 --> 00:57:53.599 that's a dirt bike not used for the road, but 1108 00:57:53.679 --> 00:57:55.119 you still can get insurance on it. 1109 00:57:56.599 --> 00:57:57.119 Wow. 1110 00:57:57.320 --> 00:57:59.480 Okay, I get it. I guess I don't see the 1111 00:57:59.639 --> 00:58:01.440 river between that and my tractor. 1112 00:58:02.840 --> 00:58:05.639 Well, tractors, you also need to get insurance on a 1113 00:58:05.719 --> 00:58:07.880 tractor if you're going to get it off of your land. 1114 00:58:08.719 --> 00:58:10.159 Well, you've never told me that. 1115 00:58:11.400 --> 00:58:14.760 Okay, this is thirty thousand dollars tractor and I don't 1116 00:58:14.800 --> 00:58:15.599 have coverage on it. 1117 00:58:15.639 --> 00:58:16.360 You're telling me. 1118 00:58:16.519 --> 00:58:19.119 You got to actually schedule a tractor. Yes, you got 1119 00:58:19.159 --> 00:58:20.280 to cover a tractor. 1120 00:58:21.119 --> 00:58:23.800 Well, Lord, have mercy Tom write this down. I am 1121 00:58:23.840 --> 00:58:25.159 officially mad at Brian. 1122 00:58:26.159 --> 00:58:28.239 I'm actually excited. This is one more thing I get 1123 00:58:28.239 --> 00:58:29.920 to add on a on the mark's insurance. 1124 00:58:31.719 --> 00:58:35.360 Well, sorry about how about a four wheeler, Brian? Same thing, 1125 00:58:35.599 --> 00:58:39.039 same thing you can't cover. No, you can cover. There's 1126 00:58:39.159 --> 00:58:40.400 policies for a four. 1127 00:58:40.639 --> 00:58:42.920 No, no, no, you can't get it as personal property. 1128 00:58:43.000 --> 00:58:44.079 It's not personal property. 1129 00:58:44.159 --> 00:58:47.599 No, your EV bike is a bike is the one 1130 00:58:47.599 --> 00:58:49.679 that's right in that middle. Because it's if you think 1131 00:58:49.719 --> 00:58:52.239 about a regular bike that you have that would be 1132 00:58:52.280 --> 00:58:55.800 covered as personal property on your policy. The EV has 1133 00:58:55.920 --> 00:58:59.039 complicated it because there is some language and policies that 1134 00:58:59.079 --> 00:59:02.000 would exclude it because it's a motor vehicle. A lot 1135 00:59:02.039 --> 00:59:04.920 of them still are saying no, this is still considered a. 1136 00:59:04.880 --> 00:59:06.000 Bike all right. 1137 00:59:06.079 --> 00:59:10.079 By the way, Dan McKenzie is a state planning attorney. 1138 00:59:10.159 --> 00:59:13.480 He can do very creative things to move your assets 1139 00:59:14.440 --> 00:59:16.880 through your state, including LLCs. He can do trust, he 1140 00:59:16.880 --> 00:59:19.800 can do, of course, wills. Anything that you need. Dan 1141 00:59:19.880 --> 00:59:23.119 McKenzie can attend to McKenzie Law. We love having him 1142 00:59:23.119 --> 00:59:25.719 here as our expert for estate planning. Eight three three 1143 00:59:26.039 --> 00:59:34.800 co plans eight three three co plans. Go with a 1144 00:59:34.880 --> 00:59:38.400 sure thing Denver's best roofer Excel Roofing dot com. You 1145 00:59:38.440 --> 00:59:44.239 don't pay a cent until you're content. Time for an 1146 00:59:44.239 --> 00:59:48.480 insurance checkup free, no obligation. In comparison, call Compass Insurance 1147 00:59:48.639 --> 00:59:51.639 paying too much your coverage at dozens of insurance companies 1148 00:59:51.719 --> 00:59:53.760 find out now three O three seven to seven to 1149 00:59:53.800 --> 00:59:56.559 one help. You'll think you're his only customer when you 1150 00:59:56.639 --> 00:59:59.079 choose Frank durand the real estate Man dot com to 1151 00:59:59.159 --> 01:00:02.360 list your home with Remax Alliance three all three nine 1152 01:00:02.400 --> 01:00:18.000 two zero sixteen twenty two. Hi Tom Martino, your troubleshooter 1153 01:00:18.079 --> 01:00:20.800 three all three seven one three talk seven one three 1154 01:00:20.920 --> 01:00:25.400 eight two five five. Okay, so let's keep going here 1155 01:00:25.840 --> 01:00:31.360 and let's see who's okay, day Uh wait, yeah, I 1156 01:00:31.400 --> 01:00:37.480 have Tim. The wait didn't we take tim? I mean 1157 01:00:37.519 --> 01:00:40.960 we we handled the dirt bike thing. Wait what is 1158 01:00:41.000 --> 01:00:44.360 your question actually you had about yourself. You got the 1159 01:00:44.440 --> 01:00:46.639 dirt bike back, So what is your actual question? 1160 01:00:47.239 --> 01:00:50.639 Well, since the homeowners were uncoverage, I didn't have actual insurance, 1161 01:00:50.719 --> 01:00:53.480 am I is it possible to see the parents for 1162 01:00:53.559 --> 01:00:55.199 allions for damages? 1163 01:00:55.440 --> 01:00:57.719 Well? Yes, how hold on? Hold on? How old is 1164 01:00:57.760 --> 01:01:04.719 the kid? Fifteen? Brian. We go around a round about 1165 01:01:04.719 --> 01:01:11.199 this about parents and the responsibility. John John Fuller said 1166 01:01:11.679 --> 01:01:13.880 parents can be liable for minor children. 1167 01:01:13.920 --> 01:01:18.400 The younger the better. But I don't know, Mark, you said, hell, yes, 1168 01:01:18.440 --> 01:01:21.239 what are you thinking? Oh my god? He said that 1169 01:01:21.360 --> 01:01:23.599 kid damaged the bike. I don't know what he means 1170 01:01:23.639 --> 01:01:27.000 by that, but if it needs new parts, absolutely, the 1171 01:01:27.119 --> 01:01:29.920 kids stole it, he wrecked it. His parents will be 1172 01:01:30.039 --> 01:01:32.199 held responsible through a judge. 1173 01:01:32.239 --> 01:01:38.719 Absolutely, all day long. I want to get look at it. 1174 01:01:38.719 --> 01:01:40.960 I'm not doubt I'm not doubting it. I want to 1175 01:01:40.960 --> 01:01:44.360 get John Fuller's take on it. I just want to 1176 01:01:44.400 --> 01:01:46.400 ask him a couple of questions about it. He knows 1177 01:01:46.400 --> 01:01:48.760 about liability and all that. I just want to ask 1178 01:01:48.840 --> 01:01:49.679 him some questions. 1179 01:01:50.119 --> 01:01:52.320 He might be able to help with the James too, 1180 01:01:52.320 --> 01:01:53.320 if we get to James. 1181 01:01:54.159 --> 01:01:57.159 So let's get him on there. Let's get him and 1182 01:01:57.239 --> 01:01:59.199 I'm going to go to Dale then because we're gonna 1183 01:01:59.239 --> 01:02:04.320 wait for John. He has a question about a roofing company. Hey, Dale, 1184 01:02:04.320 --> 01:02:05.719 what's happening? What's going on? 1185 01:02:07.159 --> 01:02:10.719 Okay, Ba's when we had the big storms. I think 1186 01:02:10.760 --> 01:02:14.079 it was in twenty two, it might have been twenty three. 1187 01:02:14.800 --> 01:02:16.960 It was twenty three, I believe in June of twenty 1188 01:02:16.960 --> 01:02:19.519 three in the south end of town. We had a 1189 01:02:19.559 --> 01:02:21.920 roofing company that we've used in the past, supposed to 1190 01:02:21.960 --> 01:02:23.840 do roofing and painting, and they've done a great job. 1191 01:02:23.880 --> 01:02:26.239 They've always done excellent, excellent work, and they did excellent 1192 01:02:26.280 --> 01:02:31.239 work this time. But with all the debacles between supply 1193 01:02:31.400 --> 01:02:34.440 chains and everything, it took a year to get everything completed. 1194 01:02:35.440 --> 01:02:37.360 So we got the roof paid for and done and 1195 01:02:37.400 --> 01:02:40.440 all the other exterior work, and then when it came 1196 01:02:40.480 --> 01:02:43.760 down to get the paint done, we've never seen the 1197 01:02:43.760 --> 01:02:45.840 bill for the paint. We didn't get an estimate for 1198 01:02:45.880 --> 01:02:49.679 the paint itself, and he's never sent us a bill. 1199 01:02:49.719 --> 01:02:52.079 And I've contacted him three or four times to say, hey, 1200 01:02:52.119 --> 01:02:53.000 what do we wait a minute? 1201 01:02:53.079 --> 01:02:58.559 So he's never collect but he did the paint, right, he. 1202 01:02:58.559 --> 01:03:03.199 Had the paint done, yeah yeah, okay, but he never 1203 01:03:03.639 --> 01:03:05.519 so what do we owe you for the paint? And 1204 01:03:05.559 --> 01:03:07.440 he just he won't get back to me on it, like. 1205 01:03:07.440 --> 01:03:10.159 It's well, why do you care? Then, I'm serious, why 1206 01:03:10.199 --> 01:03:10.639 do you care? 1207 01:03:11.280 --> 01:03:12.960 I just I just don't want to end up in 1208 01:03:13.039 --> 01:03:15.480 a situation And he tries to say, hey, you know, 1209 01:03:15.559 --> 01:03:17.320 I'm going to send you to collections over there. 1210 01:03:17.760 --> 01:03:19.800 Well, first of all, first of all, he's going to 1211 01:03:19.880 --> 01:03:23.599 lose it. He's hold on, hold on, He's going to 1212 01:03:23.679 --> 01:03:26.320 lose his right. He already lost his right to lean 1213 01:03:26.360 --> 01:03:30.400 your house. I'm not suggesting you don't pay him. I'm 1214 01:03:30.480 --> 01:03:34.800 suggesting that until he bills you, you don't pay him. 1215 01:03:34.880 --> 01:03:37.280 Okay, yeah, I mean, I mean I'm fine with that. 1216 01:03:37.360 --> 01:03:39.280 I just don't want to get into a situation where 1217 01:03:39.280 --> 01:03:41.280 I'm in trouble over That's why I wanted to know 1218 01:03:41.320 --> 01:03:41.679 where are we? 1219 01:03:41.880 --> 01:03:44.920 I mean, how what's going through your mind? Like how 1220 01:03:44.960 --> 01:03:46.000 could you be in trouble? 1221 01:03:47.320 --> 01:03:49.039 Well, I just you know, I don't want him to 1222 01:03:49.039 --> 01:03:50.800 try to put a lean on the house or send 1223 01:03:50.920 --> 01:03:52.519 us to collections or anything like that. 1224 01:03:52.599 --> 01:03:55.960 But how can he if how can if he never 1225 01:03:56.039 --> 01:03:56.920 asked for payment? 1226 01:03:57.800 --> 01:04:00.519 Yeah, I get it, I definitely understand. 1227 01:04:00.559 --> 01:04:01.920 That's I just want to make sure I'm on. 1228 01:04:01.920 --> 01:04:02.840 The right page. 1229 01:04:03.320 --> 01:04:06.440 Okay, that's I mean, you're you're a really nice guy. 1230 01:04:06.480 --> 01:04:09.679 But when was the last time he contacted him? 1231 01:04:09.760 --> 01:04:11.880 I haven't been in contact with him probably for two 1232 01:04:11.920 --> 01:04:12.400 months now. 1233 01:04:13.599 --> 01:04:15.840 And when you do, does he say he's going to 1234 01:04:15.840 --> 01:04:16.599 send you a bill? 1235 01:04:17.519 --> 01:04:19.000 He just says he'll get back to me and let 1236 01:04:19.079 --> 01:04:21.840 me know what's going on. And so, you know, I 1237 01:04:21.840 --> 01:04:24.360 asked him, was there was there any other things that 1238 01:04:24.440 --> 01:04:26.400 needed to be done, because the insurance had kind of 1239 01:04:26.400 --> 01:04:28.800 put a few things on this bill, and I wanted 1240 01:04:28.880 --> 01:04:31.119 to make sure that, you know, it wasn't already done 1241 01:04:31.239 --> 01:04:32.920 or if it was, or did we need to still 1242 01:04:32.960 --> 01:04:35.840 have some work done or whatever it is. And he 1243 01:04:35.880 --> 01:04:38.320 said not, I think everything's complete as far as I'm knowing. 1244 01:04:38.320 --> 01:04:39.400 He goes, I'll check out. 1245 01:04:39.360 --> 01:04:41.400 Everything and I'll get back to you. And I mean, 1246 01:04:41.440 --> 01:04:43.880 it's it's been over three months since they painted the house. 1247 01:04:44.960 --> 01:04:47.400 Oh so it's only been three months. It hasn't been 1248 01:04:47.559 --> 01:04:50.719 you said it was back in twenty Okay. 1249 01:04:51.159 --> 01:04:53.159 Yeah, that's when the damage originally occurred. 1250 01:04:53.360 --> 01:04:56.679 Well, then if he if he completed it, he has 1251 01:04:56.760 --> 01:05:00.280 four months to lean after the work. But you haven't 1252 01:05:00.360 --> 01:05:03.360 refused to pay. Look, I would just sit back and wait. 1253 01:05:03.440 --> 01:05:05.840 What the hell's the difference you get? You'll you'll always 1254 01:05:05.840 --> 01:05:06.760 have the money to pay him? 1255 01:05:06.840 --> 01:05:07.079 Right? 1256 01:05:07.960 --> 01:05:11.679 Well, well, I mean did you get paid? 1257 01:05:11.719 --> 01:05:15.000 Wait a minute, let me let me ask you this. No, wait, wait, 1258 01:05:15.039 --> 01:05:17.880 wait wait bro, you got insurance money? Is that right? 1259 01:05:18.280 --> 01:05:18.760 Yes? 1260 01:05:18.840 --> 01:05:19.920 Yes, we got to check for the. 1261 01:05:19.880 --> 01:05:22.920 Insurance and so far you only paid for the roof. 1262 01:05:22.960 --> 01:05:25.039 How much do you have left from the insurance payment? 1263 01:05:26.079 --> 01:05:27.440 We have about ten brands. 1264 01:05:28.320 --> 01:05:33.239 You have ten thousand dollars left above and beyond what he. 1265 01:05:33.159 --> 01:05:38.719 Did well without without I mean that's that doesn't include 1266 01:05:38.760 --> 01:05:41.280 the paint. I mean that this particular I didn't ask. 1267 01:05:41.559 --> 01:05:44.000 Here's what I asked, al. I asked how much you 1268 01:05:44.119 --> 01:05:47.440 paid out? And you said you have ten grand left? 1269 01:05:47.679 --> 01:05:49.719 Is that right at this time? 1270 01:05:49.800 --> 01:05:50.360 Yes? 1271 01:05:50.800 --> 01:05:53.440 How much do you think when you say paint? Was 1272 01:05:53.480 --> 01:05:56.000 the whole house painted? Yes? 1273 01:05:56.400 --> 01:05:59.400 Well, for goodness done important to the insurance. 1274 01:05:59.400 --> 01:06:01.400 Well he's trying to get paid though. Those guy's not 1275 01:06:01.400 --> 01:06:03.679 doing anything wrong, of course he's not. 1276 01:06:04.199 --> 01:06:07.360 But what I'm saying, is is why I can't believe 1277 01:06:07.880 --> 01:06:11.519 that the contractor won't doesn't want to be paid for 1278 01:06:11.559 --> 01:06:15.519 the whole house. How much do you think that's going 1279 01:06:15.599 --> 01:06:18.880 to cost that whole house job of extra. 1280 01:06:19.840 --> 01:06:21.159 I don't have any earth of the idea. 1281 01:06:21.199 --> 01:06:22.960 I mean, it's how big is your house? 1282 01:06:23.079 --> 01:06:24.079 Out on the backside? 1283 01:06:24.119 --> 01:06:26.199 Well, you mean you didn't have a bid, You got 1284 01:06:26.199 --> 01:06:28.440 an insurance checked, you didn't get a bid for it. 1285 01:06:29.280 --> 01:06:31.320 We didn't get an actual bid for just the paint. 1286 01:06:33.239 --> 01:06:36.159 You got a bid for the whole Wait? Wait, Dale, Wait, 1287 01:06:36.800 --> 01:06:38.440 did you get a bid for the whole thing? 1288 01:06:40.239 --> 01:06:43.239 I don't remember the paint being in there, because he 1289 01:06:43.400 --> 01:06:44.880 was trying to do with one thing at a time, 1290 01:06:44.920 --> 01:06:46.679 because he subcontracted paint out. 1291 01:06:46.800 --> 01:06:48.760 Do you have a copy of the contract? 1292 01:06:49.679 --> 01:06:51.360 I do have a copy of the contract for the 1293 01:06:51.440 --> 01:06:53.840 roof and the screens and the gutters and all that. 1294 01:06:53.760 --> 01:06:56.880 Yet, but the paint is absolutely not on there. 1295 01:06:57.719 --> 01:06:59.000 It's done, not that I've seen. 1296 01:06:59.039 --> 01:06:59.079 No. 1297 01:07:00.440 --> 01:07:02.719 Okay, Well, I wonder if he did some kind of 1298 01:07:02.719 --> 01:07:05.199 supplemental and actually got paid on it. Is that a 1299 01:07:05.239 --> 01:07:07.719 possibility it could be. 1300 01:07:07.880 --> 01:07:11.239 I mean between pain and insurance, I mean between I'm sorry, 1301 01:07:11.239 --> 01:07:14.480 between roofs with just the roofing and all of the 1302 01:07:14.559 --> 01:07:17.679 other exterior issues other than paint. I mean he's been 1303 01:07:17.679 --> 01:07:19.199 paid like forty three grands. 1304 01:07:20.360 --> 01:07:25.119 Okay, yeah, but listen, here's the deal. So I would 1305 01:07:25.159 --> 01:07:27.000 just there's nothing you can do about it if he 1306 01:07:27.000 --> 01:07:29.239 hasn't built you, but you will be billed. Come on, 1307 01:07:29.280 --> 01:07:32.159 if he subbed it out, I need to get John 1308 01:07:32.199 --> 01:07:33.639 Fuller on. We're out of time. I got to take 1309 01:07:33.679 --> 01:07:35.320 a break. I hope he can hang on. I have 1310 01:07:35.360 --> 01:07:42.519 a question for him coming up. Go with a sure 1311 01:07:42.599 --> 01:07:46.039 thing Denver's Best roofer Excel Roofing dot com. You don't 1312 01:07:46.079 --> 01:07:52.079 pay a cent until you're content. Time for an insurance 1313 01:07:52.159 --> 01:07:55.880 check up free, no obligation. In comparison, call Compass Insurance 1314 01:07:56.039 --> 01:07:59.039 paying too much your coverage at dozens of insurance companies 1315 01:07:59.119 --> 01:08:02.119 find out now H three seven seven one help. You'll 1316 01:08:02.159 --> 01:08:04.880 think you're his only customer when you choose Frank Durand 1317 01:08:04.880 --> 01:08:07.360 the real estate Man dot com to list your home 1318 01:08:07.559 --> 01:08:10.719 with Remax Alliance three all three nine two zero sixteen 1319 01:08:10.800 --> 01:08:19.439 twenty two. Hi Tom Martino, your troubleshooter three O three 1320 01:08:19.479 --> 01:08:22.279 seven one three talk three O three seven one three 1321 01:08:22.520 --> 01:08:26.840 eight two five five All right, So I want to 1322 01:08:26.880 --> 01:08:29.600 talk to John Fuller very quickly. John, this is not 1323 01:08:29.680 --> 01:08:32.159 about personal injury, but it's about liability. You deal with 1324 01:08:32.199 --> 01:08:33.680 it all the time. I just want to lay out 1325 01:08:33.680 --> 01:08:37.199 this scenario. If a kid, fifteen year old kids steals 1326 01:08:37.279 --> 01:08:41.359 my kid's electric dirt bike or is dirt bike whatever, 1327 01:08:41.720 --> 01:08:45.239 and he does damage to it, the police retrieved it, 1328 01:08:45.760 --> 01:08:49.800 the kid is charged, he's fifteen. Can I hold the 1329 01:08:49.920 --> 01:08:53.800 parents responsible for the damages to the bike? 1330 01:08:58.520 --> 01:09:02.800 You know, probably in a legal sense, but the can 1331 01:09:03.000 --> 01:09:06.319 is going to be responsible for restitution, which is going 1332 01:09:06.399 --> 01:09:09.600 to have to be paid through the courts, or you 1333 01:09:09.680 --> 01:09:13.079 can you know, you can probably file that against your insurance, 1334 01:09:13.199 --> 01:09:16.039 but I don't know if the parents are going to 1335 01:09:16.119 --> 01:09:20.720 be legally responsible for paying you off for that damnage. 1336 01:09:21.199 --> 01:09:22.920 All Right, we have more coming up. I'd love to 1337 01:09:22.920 --> 01:09:24.920 get some more thoughts on that coming up. I'm Tom 1338 01:09:24.960 --> 01:09:30.840 Martine Go with a sure thing Denver's Best Roofer Excel 1339 01:09:30.960 --> 01:09:34.039 roofing dot com. You don't pay a cent until you're content. 1340 01:09:37.399 --> 01:09:40.960 Time for an insurance checkup, free no obligation comparison call 1341 01:09:41.039 --> 01:09:44.359 Compass Insurance paying too much your coverage at dozens of 1342 01:09:44.399 --> 01:09:47.079 insurance companies find out now three O three seven to 1343 01:09:47.119 --> 01:09:49.920 seven to one help. You'll think you're his only customer 1344 01:09:49.960 --> 01:09:52.199 when you choose Frank durand the real estate man dot 1345 01:09:52.239 --> 01:09:55.600 Com to list your home with Remax Alliance three oh 1346 01:09:55.600 --> 01:10:04.880 three nine two zero sixteen twenty two. 1347 01:09:58.720 --> 01:10:03.720 Y Rip. 1348 01:10:05.680 --> 01:10:06.039 News. 1349 01:10:07.199 --> 01:10:12.279 Need advice so you don't have run into Just as 1350 01:10:12.319 --> 01:10:19.000 fast as we can, Shooter's gonna help. Come man, This is. 1351 01:10:18.960 --> 01:10:20.279 The Troubleshooter Show. 1352 01:10:20.920 --> 01:10:26.039 Now, Tom Martine, Hi, Tom Martino here, Welcome to the show. God, 1353 01:10:26.079 --> 01:10:29.279 what a busy day today on the Troubleshooter Show. Multiple 1354 01:10:29.319 --> 01:10:32.439 calls and help and information we're helping. We have UH 1355 01:10:32.640 --> 01:10:34.600 the Insurance Help Center with us. I want to go 1356 01:10:34.680 --> 01:10:37.199 right to John Fuller because we have a thing that 1357 01:10:37.279 --> 01:10:40.520 came up we were all curious of. And John the 1358 01:10:40.640 --> 01:10:44.159 league you know of a personal injury attorney who's always 1359 01:10:44.199 --> 01:10:48.920 looking for damages and responsibility and liabilities. This is not 1360 01:10:48.960 --> 01:10:51.640 necessarily personal injury, but it has to do with liability. 1361 01:10:52.039 --> 01:10:55.920 And you know I, John and I have these conversations 1362 01:10:56.039 --> 01:10:59.960 a lot about UH people and liability for their kids 1363 01:11:00.199 --> 01:11:02.439 and people who live with them. In fact, we had 1364 01:11:02.439 --> 01:11:05.880 one the other day about something I'm doing with my daughter. 1365 01:11:06.039 --> 01:11:09.720 And also people want to know about their minor kids. 1366 01:11:10.079 --> 01:11:15.720 So John, what I thought was that, and Mark thought as. 1367 01:11:15.560 --> 01:11:18.520 Well, I'm gonna I'll go beyond that, I know. 1368 01:11:18.640 --> 01:11:20.479 But just let me, let me explain the situation and 1369 01:11:20.520 --> 01:11:23.359 then you can. Because Mark, Mark thought that the kids, 1370 01:11:23.479 --> 01:11:26.439 that the parents would be responsible for minor children. And 1371 01:11:26.760 --> 01:11:28.079 Mark explained the case. 1372 01:11:28.560 --> 01:11:31.239 Well, the case that we're talking about now is a 1373 01:11:31.359 --> 01:11:36.079 kid willfully steals another kid's dirt bike. When he has it, 1374 01:11:36.399 --> 01:11:39.880 he causes damage to it and basically the parents see 1375 01:11:39.880 --> 01:11:42.800 the kid driving it around, they get with the police, 1376 01:11:42.880 --> 01:11:45.800 The police go over there, they convince and prove to 1377 01:11:45.880 --> 01:11:48.760 the police it was the stolen bike and it's theirs. 1378 01:11:49.039 --> 01:11:51.520 The police give them back the bike, but it's got 1379 01:11:51.520 --> 01:11:55.119 some damage on it. And my contention is quite simple. 1380 01:11:55.680 --> 01:11:58.720 They can take those parents because it's a fifteen year old, 1381 01:11:58.760 --> 01:12:01.560 I believe to small all claims court or to court 1382 01:12:02.479 --> 01:12:05.880 or if the cops actually arrest them, with restitution. But 1383 01:12:06.000 --> 01:12:08.960 the bottom line is, because it's a minor child, those 1384 01:12:09.119 --> 01:12:11.920 parents are going to be responsible for the bills. And 1385 01:12:12.039 --> 01:12:16.239 I'll give one more another analogy. You know, your fifteen 1386 01:12:16.319 --> 01:12:20.199 year old goes over and spray paints your neighbor's house 1387 01:12:20.279 --> 01:12:23.720 or toilet papers it or does something that leaves real 1388 01:12:23.840 --> 01:12:27.079 damage to the paint or something. You are going to 1389 01:12:27.119 --> 01:12:30.159 be libel as the parents of that minor, no matter what, 1390 01:12:30.399 --> 01:12:31.680 at least in Colorado. 1391 01:12:35.119 --> 01:12:38.520 Okay, John Fuller, what are your thoughts on that? Well, Mark, 1392 01:12:38.560 --> 01:12:40.600 what do you say, at least in Colorado? What are 1393 01:12:40.640 --> 01:12:42.960 you basing that on? Are you looking at a law No. 1394 01:12:43.000 --> 01:12:46.600 I'm basing it on a neighbor whose kid did something 1395 01:12:47.079 --> 01:12:49.600 and got in trouble and the parents ended up paying, 1396 01:12:49.640 --> 01:12:51.640 and they didn't want to pay, and it went to 1397 01:12:51.720 --> 01:12:55.079 court and they ended up paying. Oh wait, you actually 1398 01:12:55.119 --> 01:12:57.479 know of a case, Yes, in our old cul de sac. 1399 01:12:57.600 --> 01:12:58.079 Yes, I do. 1400 01:12:59.520 --> 01:13:02.359 Okay, John, Hey. 1401 01:13:03.039 --> 01:13:06.720 You know Mark's probably filed more lawsuits than I have 1402 01:13:06.920 --> 01:13:14.000 over the years, so he listen. I don't know. I 1403 01:13:14.279 --> 01:13:17.920 can tell you that, you know, we're not generally liable 1404 01:13:18.000 --> 01:13:20.760 for the acts of another person unless we have some 1405 01:13:21.479 --> 01:13:25.920 you know, some some responsible relationship over them, and maybe 1406 01:13:25.960 --> 01:13:29.239 a parent is enough to make me legally responsible. I 1407 01:13:29.279 --> 01:13:31.800 don't know. I could look that up, but I do 1408 01:13:31.920 --> 01:13:34.560 know that the kid, if he was charged with taking 1409 01:13:34.560 --> 01:13:38.359 the motorcycle, that as a crime victim, you're entitled to 1410 01:13:38.399 --> 01:13:41.760 restitution through the criminal course, and it doesn't matter if 1411 01:13:41.760 --> 01:13:44.920 he's a juvenile or an adult. The courts are still 1412 01:13:44.920 --> 01:13:48.079 going to impose a restitution order that makes. 1413 01:13:47.840 --> 01:13:51.239 It right, So it becomes a moot point anyway. I bet, 1414 01:13:51.359 --> 01:13:53.680 I bet a Lazari's dealt with this time. 1415 01:13:54.239 --> 01:13:56.760 Hey probably has, you know that would be a But 1416 01:13:56.880 --> 01:13:59.600 I dealt with enough criminal cases to note as well 1417 01:13:59.640 --> 01:14:02.600 that that restitution order, whether the parents paid or the 1418 01:14:02.680 --> 01:14:04.239 kid pays it, it's still going to have to be 1419 01:14:04.319 --> 01:14:07.399 paid before that kid ever gets sought for probation or 1420 01:14:07.960 --> 01:14:08.560 whatever the need. 1421 01:14:09.239 --> 01:14:12.800 Let me put this another way, John, what if while 1422 01:14:12.800 --> 01:14:17.520 he's on this stolen electric bike he hits someone and 1423 01:14:17.600 --> 01:14:20.000 they there, and they come to you with five hundred 1424 01:14:20.039 --> 01:14:23.079 thousand dollars in pain and suffering and medical bills and 1425 01:14:23.119 --> 01:14:26.479 all that. You damn sure well would go after the parents. 1426 01:14:27.520 --> 01:14:30.880 I sure would, And I would do it under some 1427 01:14:31.159 --> 01:14:35.840 theory against their homeowners policy or perhaps their their auto policy. 1428 01:14:36.359 --> 01:14:40.680 But it wouldn't be their personal responsibility. It would still 1429 01:14:41.119 --> 01:14:43.520 and and Tom, I could be wrong on this, don't 1430 01:14:43.680 --> 01:14:46.199 I haven't done this in forever, but it would be 1431 01:14:46.560 --> 01:14:48.920 a theory of either if it was against the parents, 1432 01:14:48.920 --> 01:14:51.520 it would be some sort of negligent entrustment. I mean, 1433 01:14:51.520 --> 01:14:54.000 you can't make the parents liable for something unless they're 1434 01:14:54.039 --> 01:14:59.000 actually negligent of doing something. Maybe there's some contract deal 1435 01:14:59.039 --> 01:15:02.479 that makes them just have to I'm not familiar with it, but. 1436 01:15:02.880 --> 01:15:05.520 Okay, I'm I'm looking it up here and it says 1437 01:15:05.560 --> 01:15:10.039 this criminal responsibility. Parents are not generally criminal libel unless 1438 01:15:10.039 --> 01:15:13.760 they contribute to it, as we've seen in the school shootings. Okay, 1439 01:15:14.000 --> 01:15:19.960 a civil liability parental responsibility law, it's what it's called. 1440 01:15:20.439 --> 01:15:24.039 And they can be held for civil liability for any 1441 01:15:24.119 --> 01:15:28.800 kids under eighteen the result or injury of damage excuse me, 1442 01:15:28.880 --> 01:15:32.359 that result in injury or damage property damage. This is 1443 01:15:32.359 --> 01:15:36.079 typically limited to a certain amount of financial damages, which 1444 01:15:36.159 --> 01:15:41.359 is capped under state oh state law is at thirty 1445 01:15:41.359 --> 01:15:44.039 five hundred, capped at thirty five hundred. 1446 01:15:45.119 --> 01:15:49.079 Got of Colorado's at some AI, General. 1447 01:15:49.039 --> 01:15:52.479 Colorado's no, No, it's my girlfriend AI And it says 1448 01:15:52.520 --> 01:15:57.399 Colorado's parental responsibility law. Again, John, you're well to point 1449 01:15:57.399 --> 01:16:01.560 that out because my girlfriend has been irresponsible at times. 1450 01:16:02.319 --> 01:16:05.159 This is typically limited to I never heard of that 1451 01:16:05.199 --> 01:16:09.000 thirty five hundred dollars limit, but say that, but you. 1452 01:16:08.960 --> 01:16:12.079 Know that, Yeah, that just doesn't seem based in anything 1453 01:16:12.119 --> 01:16:15.039 that makes sense. And again I'm got the expert on that. 1454 01:16:15.119 --> 01:16:18.279 I don't really handle a lot of you know, juvenile cases, 1455 01:16:18.319 --> 01:16:20.920 but if I had one, I'm sure i've you're bonn 1456 01:16:21.000 --> 01:16:23.840 up on it and the uh be able to go 1457 01:16:23.880 --> 01:16:27.840 to town. But again, you know, my, my, my challenge 1458 01:16:27.920 --> 01:16:31.680 all the time on civil cases is getting coverage. You know, 1459 01:16:32.039 --> 01:16:35.359 because nobody has five hundred thousand dollars laying around. We're 1460 01:16:35.399 --> 01:16:39.359 looking for insurance coverage that's going to provide a source 1461 01:16:39.399 --> 01:16:42.880 of revenue to help my clients recover for their damages. 1462 01:16:42.960 --> 01:16:45.359 And so that's always a challenge, and that is a 1463 01:16:45.399 --> 01:16:48.159 little bit different of an analysis than just simply whether 1464 01:16:48.239 --> 01:16:51.000 or not the parents are on the because. 1465 01:16:51.439 --> 01:16:54.199 I did I did look up the CRS. Though now 1466 01:16:54.239 --> 01:16:58.119 I did look up the CRS. This is the actual 1467 01:16:58.239 --> 01:17:03.239 CRS is thirteen twenty one, one oh seven, and it 1468 01:17:03.439 --> 01:17:07.720 does say that any person entitled to recover damages in 1469 01:17:07.720 --> 01:17:10.560 the amount that exceed three thousand and five hundred in 1470 01:17:10.600 --> 01:17:12.800 a court of competent jurisdiction from the parents of a 1471 01:17:12.920 --> 01:17:16.600 minor under eighteen years old living with such parents who 1472 01:17:16.680 --> 01:17:19.000 know only called the blah blah blah blah blah is 1473 01:17:19.119 --> 01:17:23.279 used the recovery shell be actual damages. Uh, and not 1474 01:17:23.319 --> 01:17:27.039 to exceed three thousand and five hundred. I don't I 1475 01:17:27.039 --> 01:17:30.399 don't get it. So Hey, on that same mark three 1476 01:17:30.399 --> 01:17:32.800 thousand and five hundred, it says, is the limit to 1477 01:17:32.840 --> 01:17:34.319 civil damages for a minor? 1478 01:17:34.520 --> 01:17:34.800 Yeah? 1479 01:17:34.840 --> 01:17:35.920 Well, I don't know what it is. 1480 01:17:36.000 --> 01:17:40.560 But the on that same kind of thread, John, if 1481 01:17:40.920 --> 01:17:45.159 someone if a fifteen year old took their parents' car 1482 01:17:45.640 --> 01:17:50.640 for a joy ride and ended up hurting somebody, they 1483 01:17:51.239 --> 01:17:54.319 the parents' insurance would cover whatever if they had insurance 1484 01:17:54.319 --> 01:17:55.319 correct the liability. 1485 01:17:55.359 --> 01:17:57.279 I don't know, Brian, Brian should weigh in on that. 1486 01:17:57.399 --> 01:18:00.199 To be permissive use? So yeah, I mean, I I've 1487 01:18:00.239 --> 01:18:03.279 had this conversation and sorry, John, you're the expert on this, 1488 01:18:03.439 --> 01:18:07.359 but I have had conversations with clients that are sitting 1489 01:18:07.359 --> 01:18:09.880 there saying no, I did not give my kid permission 1490 01:18:09.880 --> 01:18:12.359 to take my car, and said, for insurance purposes, you 1491 01:18:12.399 --> 01:18:15.079 sure better hope you did, because that's permissive use. 1492 01:18:16.359 --> 01:18:21.960 Oh so if you gave permission, even if they're unlicensed, 1493 01:18:22.199 --> 01:18:22.760 they're covered. 1494 01:18:22.880 --> 01:18:25.239 Yeah, but who would give their fifteen year old permission 1495 01:18:25.279 --> 01:18:25.880 to go driving? 1496 01:18:26.439 --> 01:18:30.640 Well, what Brian is saying is is for use for coverage. 1497 01:18:30.800 --> 01:18:33.239 Maybe you'll never be insured again, but if you want 1498 01:18:33.279 --> 01:18:35.880 this covered, you better have given permission. 1499 01:18:36.840 --> 01:18:38.840 So here's an interesting thing, Tom. 1500 01:18:38.880 --> 01:18:41.319 If you look at that statue, the first section of 1501 01:18:41.359 --> 01:18:45.840 it deals with a kid who maliciously or willfully danities 1502 01:18:45.920 --> 01:18:46.880 or destroyed property. 1503 01:18:46.960 --> 01:18:48.600 That's intentional, yeah. 1504 01:18:48.479 --> 01:18:49.159 Or steals it. 1505 01:18:49.760 --> 01:18:55.600 That's not negligence. Okay, that's intentionally. So maybe with the motorcycle, 1506 01:18:55.880 --> 01:18:59.880 yeah you can recover. But now the causing of an accident, 1507 01:19:00.239 --> 01:19:04.199 that's very likely not to be considered an intentional act. Rather, 1508 01:19:04.279 --> 01:19:09.600 it's more likely to be considered a negligent act. The 1509 01:19:09.640 --> 01:19:14.079 next section deals with knowingly causing hodily injury, and I 1510 01:19:14.119 --> 01:19:18.439 think we'd have to really get into the court you know, 1511 01:19:18.560 --> 01:19:22.399 definition knowingly because it kind of impliedly still comes down 1512 01:19:22.439 --> 01:19:25.239 on the side of an intentional act, which is by 1513 01:19:25.279 --> 01:19:29.880 definition not negligence and not covered by any policy that 1514 01:19:29.920 --> 01:19:34.239 you're esteemed guest Brian over there rights. So that gets 1515 01:19:34.239 --> 01:19:37.239 back to the whole permissive use thing. He's if he's 1516 01:19:37.279 --> 01:19:40.239 a permissive user, which you might say, why the hell 1517 01:19:40.279 --> 01:19:42.800 would we ever do that and give our kid permission? 1518 01:19:42.880 --> 01:19:46.439 But you know, maybe that's not a terrible thing because 1519 01:19:46.439 --> 01:19:50.359 you want to have that insurance coverage against an accident 1520 01:19:50.399 --> 01:19:53.560 and it's considered negligence. You want that kid to be 1521 01:19:53.600 --> 01:19:56.159 covered so that it's not coming out of your own 1522 01:19:56.199 --> 01:19:57.439 personal resources. 1523 01:19:57.720 --> 01:20:01.840 Now, while you're on John, listen to James, James, I'm 1524 01:20:01.880 --> 01:20:04.079 not sure if this involves personal injury. Does your car 1525 01:20:04.600 --> 01:20:10.199 accident involve personal injury? James, No, it doesn't. Okay, maybe, okay, 1526 01:20:10.319 --> 01:20:11.359 go ahead. What is it? 1527 01:20:13.039 --> 01:20:18.159 Well, it's a pretty simple case. I was driving out 1528 01:20:18.159 --> 01:20:22.359 of my parking lot and a guy backs up in 1529 01:20:22.359 --> 01:20:25.000 front of me and hits right front of my car, 1530 01:20:25.119 --> 01:20:28.600 in the side of the car. My insurance company. I 1531 01:20:28.720 --> 01:20:32.159 called my insurance company. He called his insurance company. He 1532 01:20:32.279 --> 01:20:37.439 admitted claim to me. He admitted liability for the accident 1533 01:20:37.520 --> 01:20:39.920 because he didn't look moving back. 1534 01:20:40.520 --> 01:20:41.079 Yeah, and. 1535 01:20:42.760 --> 01:20:45.439 I called I didn't just rely you. 1536 01:20:45.399 --> 01:20:51.399 Were both Were you both moving at the time? Yes, Okay, Okay, 1537 01:20:52.800 --> 01:20:55.279 got it. It's going to be fifty to fifty. But 1538 01:20:55.399 --> 01:20:58.520 let me explain something to you. And this is something 1539 01:20:58.560 --> 01:21:00.840 I need to explain because it happens all the time. 1540 01:21:00.880 --> 01:21:04.079 Brian Brian burns us with us with Compass Insurance Group. 1541 01:21:04.720 --> 01:21:08.720 People say he admitted liability. Once you talk to your 1542 01:21:08.720 --> 01:21:12.199 insurance company. Heber sends that I'll guarantee you his insurance 1543 01:21:12.239 --> 01:21:14.640 will say he didn't admit responsibility. 1544 01:21:14.720 --> 01:21:15.359 Right, oh man. 1545 01:21:15.479 --> 01:21:19.000 The story that happens at the scene of the accident 1546 01:21:19.640 --> 01:21:22.319 changes so frequently right after the act. 1547 01:21:22.399 --> 01:21:25.319 He didn't create a contract or liability by saying that 1548 01:21:25.359 --> 01:21:29.960 to you, right r. Nor does he know the actual law. 1549 01:21:31.319 --> 01:21:34.479 So so here's what I'm getting at. It doesn't matter 1550 01:21:34.520 --> 01:21:37.920 what he told you at the scene, Okay, it's what 1551 01:21:38.039 --> 01:21:41.560 can be proven. So tell me where it stands right now. 1552 01:21:43.119 --> 01:21:46.640 Well, they want me to give them a verbal statement, 1553 01:21:47.479 --> 01:21:50.560 and I was reluctant to do that without some kind 1554 01:21:50.600 --> 01:21:51.199 of advice. 1555 01:21:52.159 --> 01:21:53.960 Well, what do you mean, what kind of statement? 1556 01:21:57.199 --> 01:21:57.840 Caliphonic? 1557 01:21:58.279 --> 01:21:58.560 Lay? 1558 01:21:59.000 --> 01:22:01.560 Yeah, here's what they're going to try to do. And 1559 01:22:01.640 --> 01:22:03.560 I think we let John go, didn't we and if 1560 01:22:03.600 --> 01:22:08.000 we did, if we didn't it? Okay, here's what is 1561 01:22:08.039 --> 01:22:10.960 going to happen. They're going to try to trick you 1562 01:22:11.399 --> 01:22:15.079 into either comparative negligence, meaning they're going to ask you 1563 01:22:15.199 --> 01:22:18.039 questions like could you have prevented it had you seen 1564 01:22:18.079 --> 01:22:20.760 it sooner? Or could They're going to ask questions in 1565 01:22:20.840 --> 01:22:22.920 such a way that they're going to turn down the 1566 01:22:22.960 --> 01:22:26.640 claim or they're going to do as Mark mentioned, fifty 1567 01:22:26.640 --> 01:22:29.640 to fifty or sixty forty or whatever it's You know, 1568 01:22:29.800 --> 01:22:32.279 you don't have to talk to them. You understand that, right? 1569 01:22:33.560 --> 01:22:33.720 Oh? 1570 01:22:33.760 --> 01:22:34.439 I didn't know that. 1571 01:22:35.199 --> 01:22:37.880 Well, what tell me what would require you to talk 1572 01:22:37.920 --> 01:22:40.319 to the other insurance? What would require it? 1573 01:22:41.359 --> 01:22:43.119 Well, he just wants to get paid. 1574 01:22:43.279 --> 01:22:45.039 Do you have a do you have a contract claim? 1575 01:22:45.119 --> 01:22:47.640 Do you have a contract with them? 1576 01:22:47.840 --> 01:22:48.039 No? 1577 01:22:48.680 --> 01:22:50.920 Yeah, you're not required to talk to them at all. 1578 01:22:51.159 --> 01:22:54.079 He's required to talk to them. They're not required. You're 1579 01:22:54.079 --> 01:22:56.439 not required to talk to him at all. They can 1580 01:22:56.479 --> 01:22:58.439 look at it. Did you have a police report or not? 1581 01:22:58.520 --> 01:23:00.039 Because it's private, they wouldn't do it. 1582 01:23:00.920 --> 01:23:01.079 No. 1583 01:23:01.800 --> 01:23:05.640 Okay, Now here's the deal. You can sue him for 1584 01:23:05.680 --> 01:23:09.960 the damage directly. If he's admitting fault, then it won't matter. 1585 01:23:10.039 --> 01:23:12.439 You'll get a judgment and then he'll just have to 1586 01:23:12.439 --> 01:23:14.920 get his insurance to pay. Brian chime in on this 1587 01:23:14.960 --> 01:23:16.880 if you want. But I don't see why he has 1588 01:23:16.960 --> 01:23:17.680 to talk to them. 1589 01:23:17.840 --> 01:23:21.239 Well, no, other than to Mark's point, he's trying to 1590 01:23:21.239 --> 01:23:23.399 get paid. He doesn't talk to him, they're not going 1591 01:23:23.479 --> 01:23:23.960 to pay him. 1592 01:23:24.000 --> 01:23:27.920 But there, but hold on, Well, guess what they may 1593 01:23:27.960 --> 01:23:30.920 not pay him, but why wouldn't they? 1594 01:23:31.119 --> 01:23:33.960 Well, because are we still saying that this driver is 1595 01:23:34.319 --> 01:23:36.800 admitting fault. I understand he said he did it at 1596 01:23:36.840 --> 01:23:38.960 the scene. Is that his story still? 1597 01:23:40.520 --> 01:23:41.640 I haven't talked to him. 1598 01:23:42.119 --> 01:23:45.119 I will put money down that his story has changed. 1599 01:23:48.640 --> 01:23:48.880 Now. 1600 01:23:49.479 --> 01:23:54.199 I went to my insurance company and they totaled my car. 1601 01:23:54.359 --> 01:23:57.000 They say, First of all, they said, I can either 1602 01:23:58.279 --> 01:24:01.199 go with his insurance company, just deal with them, or 1603 01:24:02.560 --> 01:24:07.439 I can deal with my insurance company and use my 1604 01:24:07.600 --> 01:24:14.000 deductible or whatever. Yep, they totaled my car after they 1605 01:24:15.199 --> 01:24:16.479 visually assessed it. 1606 01:24:17.760 --> 01:24:22.319 And so what's the point. What is the point? What 1607 01:24:22.399 --> 01:24:24.680 do you need from us right now? What kind of help? 1608 01:24:26.119 --> 01:24:35.359 Well, one thing is understanding how the the totaling process were. 1609 01:24:35.800 --> 01:24:38.039 Okay, that's a whole different topic. Hold on, we'll come 1610 01:24:38.119 --> 01:24:39.840 right back to you. I'm Tom Martino. Three oh three 1611 01:24:39.960 --> 01:24:47.479 seven one three eight two five five. Go with a 1612 01:24:47.479 --> 01:24:51.039 sure thing Denvers Best Roofer, Excel roofing dot com. You 1613 01:24:51.079 --> 01:24:56.840 don't pay a cent until you're content. Time for an 1614 01:24:56.840 --> 01:25:00.520 insurance check up free, no obligation. In comparison, call Compass 1615 01:25:00.560 --> 01:25:03.840 insurance paying too much your coverage at dozens of insurance 1616 01:25:03.840 --> 01:25:06.960 companies find out Now three oh three seven seven to one. Help. 1617 01:25:07.119 --> 01:25:09.760 You'll think you're his only customer when you choose Frank 1618 01:25:09.800 --> 01:25:12.279 durand the real estate man dot com to list your 1619 01:25:12.279 --> 01:25:15.479 home with Remax Alliance three oh three nine two zero 1620 01:25:15.560 --> 01:25:25.800 sixteen twenty two. Hi Tom Martino here three oh three 1621 01:25:26.000 --> 01:25:30.880 seven one three talk seven one three eight two five five. 1622 01:25:31.039 --> 01:25:36.920 So we have a question on a car accident. But James, 1623 01:25:37.119 --> 01:25:41.079 here's the deal. Now you're facing a whole different dilemma. 1624 01:25:41.840 --> 01:25:44.399 You want to know how the totaling process works. Okay, 1625 01:25:44.439 --> 01:25:48.640 here's how it works. When they feel like it's cheaper 1626 01:25:48.720 --> 01:25:53.680 for them to fix your car. I mean to fix 1627 01:25:53.680 --> 01:25:55.600 your car. They're going to fix it or to total it. 1628 01:25:55.600 --> 01:25:58.680 They're going to total it. They just do it, okay. 1629 01:25:59.840 --> 01:26:03.640 And all they have to do, you don't have a choice. 1630 01:26:03.880 --> 01:26:06.039 They just have to put you in a better position 1631 01:26:06.119 --> 01:26:09.560 or the same position you were in before the accident. 1632 01:26:10.039 --> 01:26:16.199 So normally what happens is and I know what's happening here. 1633 01:26:16.239 --> 01:26:20.119 You don't agree with what they're valueing your car at 1634 01:26:20.279 --> 01:26:23.159 Is that true? Is that true? That's what it is? 1635 01:26:23.399 --> 01:26:23.520 Right? 1636 01:26:24.239 --> 01:26:27.920 I don't know yet, but yeah, okay. 1637 01:26:27.119 --> 01:26:29.600 They're not going to give you what you think it's worth. 1638 01:26:29.640 --> 01:26:33.560 They never do, never, no, but they never give you 1639 01:26:33.359 --> 01:26:36.439 if you if you follow our advice, they will give 1640 01:26:36.479 --> 01:26:37.720 you what it is worth. 1641 01:26:39.880 --> 01:26:42.439 Okay, so Mark, I'm continue continue. 1642 01:26:42.640 --> 01:26:45.920 It's simple as that. We have a company called Petty 1643 01:26:45.960 --> 01:26:48.279 Details on our referral list. So go to referral list 1644 01:26:48.359 --> 01:26:51.159 that time, start typing in Petty. He will give you 1645 01:26:51.239 --> 01:26:54.600 an honest number of what that vehicle's worth, and they 1646 01:26:54.680 --> 01:26:57.119 will give you that much. If they won't give you 1647 01:26:57.239 --> 01:27:01.000 that much, you can hire Petty Details or other companies 1648 01:27:01.319 --> 01:27:06.439 to actually invoke something in your policy that basically creates 1649 01:27:06.439 --> 01:27:09.479 an arbitration and they're gonna come up with that number 1650 01:27:09.680 --> 01:27:12.159 and he'll do all the legwork behind the scenes to 1651 01:27:12.199 --> 01:27:13.000 get that done. 1652 01:27:13.159 --> 01:27:15.560 But well, that's hold on. You invoke you can only 1653 01:27:16.119 --> 01:27:19.039 do you have the appraisal process. You can only invoke 1654 01:27:19.119 --> 01:27:21.479 that with your own company, not with the other party. 1655 01:27:21.760 --> 01:27:25.560 Yeah, well, okay, that's that's you. That's absolutely true. That's 1656 01:27:25.600 --> 01:27:26.560 absolutely true. 1657 01:27:26.720 --> 01:27:29.199 So so if it's the other party, you would have 1658 01:27:29.279 --> 01:27:32.279 to sue that other party directly, not their insurance. 1659 01:27:32.520 --> 01:27:33.079 That's true. 1660 01:27:33.960 --> 01:27:35.800 Well, let me ask you this. Do you have full 1661 01:27:35.800 --> 01:27:39.760 coverage on the vehicle? Yes, Well, then you could go 1662 01:27:39.840 --> 01:27:42.159 through your own company and not even worry about this. 1663 01:27:43.600 --> 01:27:46.359 No, just for a second, when you say full coverage, 1664 01:27:46.600 --> 01:27:48.920 I have a thousand dollars deductible. 1665 01:27:48.640 --> 01:27:51.000 Well you could still go through your own and then 1666 01:27:51.119 --> 01:27:54.279 sue them for the thousand dollars deductible, or your own 1667 01:27:54.359 --> 01:27:58.079 insurance company will will subrogate or not suburgate, but they'll 1668 01:27:58.079 --> 01:28:01.880 go after the other insurance company for your thousand dollars back. 1669 01:28:03.119 --> 01:28:05.520 Oh yeah, subrogate's the right term for that. Okay, the 1670 01:28:05.560 --> 01:28:08.479 first dollar they get back goes to your deductible, just 1671 01:28:08.479 --> 01:28:09.760 so you know that's how it works. 1672 01:28:09.960 --> 01:28:12.640 Yeah, so they will, they'll subrogate for that money and 1673 01:28:12.680 --> 01:28:14.359 then ultimately make you whole. 1674 01:28:14.520 --> 01:28:15.920 That's why you want. 1675 01:28:16.079 --> 01:28:19.520 If the other company is not paying you what the 1676 01:28:19.640 --> 01:28:21.840 vehicle's worth, but you got to figure out truly what 1677 01:28:21.920 --> 01:28:24.840 it's worth, then go through your own company and then 1678 01:28:24.880 --> 01:28:27.479 you can go into that appraisal clause I brought up 1679 01:28:27.479 --> 01:28:28.239 at the beginning. 1680 01:28:29.079 --> 01:28:32.520 Brian, if he goes through his own company, can he 1681 01:28:32.600 --> 01:28:35.520 go directly after that other guy and sue for the 1682 01:28:35.560 --> 01:28:37.760 thousand dollars deducted world? Does he have to wait for 1683 01:28:37.840 --> 01:28:39.199 his company to subrogate? 1684 01:28:39.680 --> 01:28:41.640 Well, no, I believe and that would be a John 1685 01:28:41.640 --> 01:28:43.680 Fuller question more than me. But I believe he can 1686 01:28:43.800 --> 01:28:46.760 sue them directly. But if they're going to subrogate, then 1687 01:28:46.800 --> 01:28:48.840 he'll get that money back. In other words, like I said, 1688 01:28:48.840 --> 01:28:51.439 first dollar back, he'll get. But I I'm based off 1689 01:28:51.479 --> 01:28:54.560 of the conversation or the story behind it, I don't 1690 01:28:54.560 --> 01:28:57.199 see him getting anything back for subrogation. I see this 1691 01:28:57.279 --> 01:28:59.359 being a fifty to fifty. His insurance will pay his 1692 01:28:59.479 --> 01:29:02.920 and the other why because it's on private property. Unless 1693 01:29:02.920 --> 01:29:05.399 the guy continues to say he's at fault. But if 1694 01:29:05.439 --> 01:29:08.520 I heard that correctly, that both were moving, so the 1695 01:29:08.600 --> 01:29:10.279 assurance companies will just throw up their hands. 1696 01:29:10.319 --> 01:29:12.079 Hey, James, is fifty to fifty. 1697 01:29:11.880 --> 01:29:16.039 James, is the guy still claiming uh fault? 1698 01:29:17.920 --> 01:29:18.560 I don't know. 1699 01:29:18.880 --> 01:29:22.079 But even if he is claiming still fault, that I'm 1700 01:29:22.239 --> 01:29:26.319 just arguing, that doesn't even really matter. That guy might 1701 01:29:26.319 --> 01:29:30.880 be at fault, but that doesn't mean he is at fault, right. 1702 01:29:31.159 --> 01:29:35.399 Yeah, that's true, that's true, James. I hope, I hope 1703 01:29:35.399 --> 01:29:38.079 we gave you enough information. Three oh three seven one 1704 01:29:38.159 --> 01:29:45.640 three eight two five five Joe, Yeah, Joe, what is 1705 01:29:45.720 --> 01:29:49.279 going on? You called last week? Let me let me 1706 01:29:49.319 --> 01:29:53.520 bring up your call. And wasn't it about landscaping or something? 1707 01:29:53.600 --> 01:29:53.800 Yeah? 1708 01:29:53.840 --> 01:29:56.760 It was. Uh, you bought your home in Loveland. People 1709 01:29:56.800 --> 01:29:59.279 built a home on the lot next to you, and 1710 01:29:59.279 --> 01:30:03.520 and you started having water problems. They built a retaining 1711 01:30:03.560 --> 01:30:07.720 wall between the properties. Now your property is flooding, and 1712 01:30:07.880 --> 01:30:09.079 uh what happened? 1713 01:30:10.640 --> 01:30:13.760 Well, so yeah, that was the issue. And then Bob 1714 01:30:13.880 --> 01:30:15.880 from La M Landscaping came up. 1715 01:30:16.479 --> 01:30:18.279 That's right, he was going to he was going to 1716 01:30:18.359 --> 01:30:21.119 look at it to see what the issue was because 1717 01:30:21.159 --> 01:30:23.520 I said if they changed the drainage, they could be 1718 01:30:23.600 --> 01:30:25.720 responsible to you. Go ahead. What happened? 1719 01:30:26.479 --> 01:30:26.920 Correct? 1720 01:30:27.239 --> 01:30:29.319 So Bob came up and looked everything over and his 1721 01:30:29.479 --> 01:30:34.399 in agreeance of everything we have said. And he's basically 1722 01:30:34.399 --> 01:30:38.720 saying the house itself is the issue. But he did 1723 01:30:38.760 --> 01:30:42.239 go through all of the landscaping. And is Bob on 1724 01:30:42.279 --> 01:30:43.319 the phone because. 1725 01:30:43.079 --> 01:30:45.439 He can get no, he's wait, wait were we supposed 1726 01:30:45.439 --> 01:30:47.800 to get him? I'm sorry, now, what did you? Can 1727 01:30:47.920 --> 01:30:49.760 you can tell us what he said? Did he say it? 1728 01:30:49.840 --> 01:30:52.600 Did he say it could be fixed the drainage? 1729 01:30:53.279 --> 01:30:56.039 Yeah he can. He said he could fix it, but 1730 01:30:56.319 --> 01:31:01.279 do not the people next door? Awkward to put a 1731 01:31:01.279 --> 01:31:03.279 French strain in he says, a French train is not 1732 01:31:03.319 --> 01:31:06.439 going to fix the issue. It's more complicated than that. 1733 01:31:06.800 --> 01:31:09.159 What did he say it would include? Do you remember 1734 01:31:09.439 --> 01:31:11.960 he's probably listening, and I'm sorry we didn't get him 1735 01:31:12.000 --> 01:31:14.880 on while you were waiting. But what did he basically 1736 01:31:15.039 --> 01:31:19.279 say from what you can remember, that he needed to do. 1737 01:31:20.760 --> 01:31:25.359 Basically, it's going to be totally regrading our whole lot 1738 01:31:25.479 --> 01:31:31.159 on the side, bringing in dirt, doing a swell in 1739 01:31:31.199 --> 01:31:38.039 their backyard which is supposed to be there anyways. It's 1740 01:31:38.079 --> 01:31:39.399 going to be a lot of work. 1741 01:31:39.439 --> 01:31:41.560 Because what he did he give you a price. 1742 01:31:43.279 --> 01:31:45.960 He did not give me a price, but he said 1743 01:31:45.960 --> 01:31:50.439 he would work with me no matter what on this issue. 1744 01:31:52.000 --> 01:31:58.560 Okay, and so he didn't give you any idea. Do 1745 01:31:58.640 --> 01:32:00.199 you know if they'll help pay? 1746 01:32:01.479 --> 01:32:06.039 Well, that's what he's saying, and we're saying it should 1747 01:32:06.039 --> 01:32:10.880 be the neighbor's responsibility, uh, the engineer who signed off 1748 01:32:10.920 --> 01:32:15.600 on it all. They should be compensating us for all 1749 01:32:15.640 --> 01:32:17.359 the damage we've incurred. 1750 01:32:17.520 --> 01:32:20.760 Well, yeah, that's nice. However, he's not an attorney. We 1751 01:32:20.800 --> 01:32:23.279 don't know about that yet, but we do know that 1752 01:32:23.359 --> 01:32:25.319 it wasn't like that before they built. What were you 1753 01:32:25.359 --> 01:32:27.479 going to say, Mark, sorry, did they pull a permit? 1754 01:32:27.600 --> 01:32:28.720 Was the county involved? 1755 01:32:29.880 --> 01:32:30.680 The City of Love? 1756 01:32:31.159 --> 01:32:31.800 Oh, you're going to. 1757 01:32:31.800 --> 01:32:33.680 Have a hell of a time if this was signed 1758 01:32:33.720 --> 01:32:34.319 off by. 1759 01:32:34.239 --> 01:32:37.560 People that how would they possibly go after the neighbor 1760 01:32:37.680 --> 01:32:40.880 or go after the engineer when when the city actually 1761 01:32:40.960 --> 01:32:44.199 signed off on it substance over form. 1762 01:32:44.960 --> 01:32:47.680 Yeah, it's been a long drawn out We've been dealing 1763 01:32:47.720 --> 01:32:49.600 with us for a year over a year now and 1764 01:32:50.199 --> 01:32:53.520 the city is taken out no responsibility, even though they did. 1765 01:32:53.720 --> 01:32:56.319 We have talked to the engineer company and they are 1766 01:32:56.479 --> 01:33:00.159 going to come out on Thursday and two elevations all 1767 01:33:00.159 --> 01:33:03.359 over our property and the other property, and they're offering 1768 01:33:03.439 --> 01:33:07.119 the fix. So we are getting somewhere we. 1769 01:33:07.119 --> 01:33:09.399 Do well instead of their fix, just tell them you 1770 01:33:09.399 --> 01:33:11.760 want your fix exactly. 1771 01:33:11.800 --> 01:33:13.680 We have to file a suit too, because we're already 1772 01:33:13.760 --> 01:33:16.960 in you know, a lot of attorney fees already, which 1773 01:33:16.960 --> 01:33:18.640 our attorney hasn't done a whole lot. 1774 01:33:18.720 --> 01:33:21.079 Wait wait, wait, how much are you into fees right now? 1775 01:33:22.039 --> 01:33:23.520 Nine attorney fees? 1776 01:33:23.760 --> 01:33:25.560 And how much do you think the fix would be? 1777 01:33:27.720 --> 01:33:28.720 Bob didn't tell her. 1778 01:33:29.840 --> 01:33:31.079 He didn't say, but. 1779 01:33:31.239 --> 01:33:33.159 Well, I think Bob would have I listen. 1780 01:33:33.239 --> 01:33:35.720 I like Bob, but it sounds like an engineer asked 1781 01:33:35.760 --> 01:33:37.600 to get out there and get this thing handled. 1782 01:33:38.439 --> 01:33:41.000 Yeah, they're coming out, they're coming back out. But here's 1783 01:33:41.000 --> 01:33:42.920 a deal. I mean, we have to file a suit now, 1784 01:33:43.000 --> 01:33:45.119 which we've contacted our attorney. 1785 01:33:45.199 --> 01:33:48.079 Wait a second, Wait a second. If the engineer company 1786 01:33:48.079 --> 01:33:50.840 that is coming out and they want to fix it, 1787 01:33:51.399 --> 01:33:53.960 and long as everybody signs off on it, why wouldn't 1788 01:33:54.000 --> 01:33:54.720 you just do that? 1789 01:33:54.840 --> 01:33:55.039 Yeah? 1790 01:33:55.079 --> 01:33:57.319 Why do you need a suit? A lawsuit? 1791 01:33:58.399 --> 01:34:02.279 Because we can't repay or recoup our attorney sees without 1792 01:34:02.319 --> 01:34:02.680 a suit. 1793 01:34:03.239 --> 01:34:05.640 Now, hold on, hold on, hold on, you might do 1794 01:34:05.720 --> 01:34:08.600 you understand Wait a minute, Wait a minute, do you 1795 01:34:08.720 --> 01:34:12.479 understand that to try to go after attorney fees will 1796 01:34:12.520 --> 01:34:14.560 incur new attorneys fees? Right? 1797 01:34:15.800 --> 01:34:16.159 Correct? 1798 01:34:16.920 --> 01:34:19.640 So what makes you think you're gonna get attorney fees? 1799 01:34:20.000 --> 01:34:22.760 That this is not a statute that pays attorney s fee. 1800 01:34:22.840 --> 01:34:26.279 I think you're getting bad advice from whatever attorney. I 1801 01:34:26.319 --> 01:34:29.039 think you're getting bad advice too, that's my opinion, Joe. 1802 01:34:29.479 --> 01:34:31.359 What makes you think you'll get attorney fees? 1803 01:34:32.840 --> 01:34:34.920 I'm not saying we're getting attorney sees, but it would 1804 01:34:34.960 --> 01:34:36.600 be nice to get attorney sees. 1805 01:34:36.800 --> 01:34:39.039 But you're going to spend another nine to ten thousand. 1806 01:34:39.119 --> 01:34:42.000 Define hold on, you're going to spend another nine to 1807 01:34:42.079 --> 01:34:43.319 ten to see if you do get them. 1808 01:34:43.359 --> 01:34:44.880 First of all, I would argue with that. 1809 01:34:45.119 --> 01:34:47.840 I mean this, they're going to have to depose all 1810 01:34:47.880 --> 01:34:52.520 these original engineers. This thing could be forty fifty thousand. 1811 01:34:53.239 --> 01:34:57.039 Yeah, yeah, Joe, I would forget you know. First of all, 1812 01:34:57.079 --> 01:35:00.840 I think you prematurely spent attorneys fees and they overcharged you. 1813 01:35:01.159 --> 01:35:03.239 So I don't think you're gonna get attorney's fees. That's 1814 01:35:03.239 --> 01:35:06.079 my humble. I think you ought to try to get 1815 01:35:06.119 --> 01:35:08.479 them to fix it or to pay for the fix, 1816 01:35:09.159 --> 01:35:10.600 and you ought to get a You ought to get 1817 01:35:10.600 --> 01:35:13.319 an engineer to back up what Bob is saying. Maybe 1818 01:35:13.359 --> 01:35:15.960 he knows of some. I'm Tom Martino. We have more 1819 01:35:15.960 --> 01:35:23.960 coming right up. Go with a sure thing Denver's Best 1820 01:35:24.039 --> 01:35:26.920 Roofer Excel roofing dot com. You don't pay a cent 1821 01:35:27.119 --> 01:35:33.920 until you're content. Time for an insurance checkup free, no obligation. 1822 01:35:33.920 --> 01:35:37.760 In comparison, call Compass insurance paying too much your coverage 1823 01:35:37.800 --> 01:35:40.439 at dozens of insurance companies. Find out now three all 1824 01:35:40.520 --> 01:35:41.640 three seven to seven to one. 1825 01:35:41.760 --> 01:35:42.000 Help. 1826 01:35:42.159 --> 01:35:44.800 You'll think you're his only customer. When you choose Frank 1827 01:35:44.880 --> 01:35:47.319 durand the real estate man dot Com to list your 1828 01:35:47.359 --> 01:35:50.479 home with Remax Alliance three oh three nine two zero 1829 01:35:50.640 --> 01:36:00.119 sixteen twenty two. Hi Tom Martino, your troubleshooter three three 1830 01:36:00.000 --> 01:36:04.079 seven one three talks seven one three eight two five five. Wow. 1831 01:36:04.319 --> 01:36:07.760 Busy day, Keith. What's going on with you? Keith? 1832 01:36:08.960 --> 01:36:11.000 Well, first of all, I want to thank you in 1833 01:36:11.039 --> 01:36:14.000 the past for saving me a lot of money and 1834 01:36:14.039 --> 01:36:15.640 helping me get out of timeshare. 1835 01:36:16.760 --> 01:36:18.520 Oh that's cool. 1836 01:36:19.720 --> 01:36:21.199 Yeah, save me a great deal. 1837 01:36:21.439 --> 01:36:26.000 Now, I'm seventy five years old. I don't have a computer. 1838 01:36:26.640 --> 01:36:29.680 I'm still trying to learn how to use a smartphone. 1839 01:36:29.880 --> 01:36:32.880 So that's kind of my background. I rented a car. 1840 01:36:33.399 --> 01:36:36.399 I'm not positive about the dates to visit my brother 1841 01:36:36.479 --> 01:36:42.399 in Florida in March. They tacked on what they call 1842 01:36:42.439 --> 01:36:45.279 a thrifty toll. I told them I didn't want that. 1843 01:36:45.760 --> 01:36:46.760 They said, what is that? 1844 01:36:46.960 --> 01:36:48.600 What is it? What is it? 1845 01:36:49.840 --> 01:36:50.640 What it is is? 1846 01:36:51.000 --> 01:36:52.880 They tack eleven eighty eight on? 1847 01:36:53.279 --> 01:36:54.399 And then what that does? 1848 01:36:54.439 --> 01:36:57.199 It gives you a discount to go through all the 1849 01:36:57.239 --> 01:36:58.319 toll roads. 1850 01:36:59.039 --> 01:36:59.760 Oh, I get it. 1851 01:37:00.159 --> 01:37:02.960 Words you pay up front and there I get. 1852 01:37:02.800 --> 01:37:05.960 A lot of them down there. Boy, where are you 1853 01:37:06.039 --> 01:37:08.119 by the way, where are you going? Is this Florida? 1854 01:37:09.399 --> 01:37:12.880 Yeah, I'm not there. I was down there in March 1855 01:37:13.159 --> 01:37:16.279 to see my brother, and then the car broke down 1856 01:37:16.359 --> 01:37:19.119 after the second day, and then it took me two 1857 01:37:19.199 --> 01:37:22.000 days to get a new car, and then they charged 1858 01:37:22.039 --> 01:37:26.600 me double and they wouldn't so I couldn't get that 1859 01:37:26.760 --> 01:37:30.199 off my card through thrifty. 1860 01:37:30.560 --> 01:37:31.439 And here again, what. 1861 01:37:31.399 --> 01:37:35.119 Were you trying to get off your card just one day? 1862 01:37:36.119 --> 01:37:39.039 There was two days. I rented the car for a week, 1863 01:37:39.079 --> 01:37:41.640 and there's two days I couldn't use it. And then 1864 01:37:41.680 --> 01:37:44.560 they charged me extra for a new car that worked. 1865 01:37:45.199 --> 01:37:47.800 So I gave up on trying to get that off. 1866 01:37:47.880 --> 01:37:50.840 That was a year ago. But now I see on 1867 01:37:50.880 --> 01:37:55.840 my Discovery card by accident, thrifty toll is charging me 1868 01:37:56.520 --> 01:38:00.520 a reoccurring charge of eleven eighty eight. And when I 1869 01:38:00.560 --> 01:38:03.439 try to call their customer service or try to get 1870 01:38:03.520 --> 01:38:06.840 hold of them, they put me in a phone maze 1871 01:38:07.079 --> 01:38:09.640 and I wind up going back to the first number. 1872 01:38:09.680 --> 01:38:11.399 I went one, two, three. 1873 01:38:11.319 --> 01:38:14.840 Four or five, Okay, I went Keith seven phone mazes 1874 01:38:14.880 --> 01:38:17.000 to get right back Keith. 1875 01:38:17.680 --> 01:38:22.119 I can identify with that frustration. I can One time 1876 01:38:22.199 --> 01:38:25.800 I had to actually literally nix my card I did. 1877 01:38:26.760 --> 01:38:29.920 Recurring charges are almost impossible to get rid of. Your 1878 01:38:29.960 --> 01:38:32.359 credit card company will not get rid of them. They 1879 01:38:32.399 --> 01:38:36.600 will not do it unless you instituted the charge on 1880 01:38:36.840 --> 01:38:40.520 your online portal, which you don't have. No, they won't 1881 01:38:40.520 --> 01:38:42.560 get rid of it. They won't get rid of it. 1882 01:38:42.960 --> 01:38:45.279 So I'm gonna I'm gonna be look at. I know 1883 01:38:45.319 --> 01:38:47.439 you'd like to hear something different, but I'm going to 1884 01:38:47.479 --> 01:38:49.560 tell you the truth instead of just trying to make 1885 01:38:49.600 --> 01:38:53.439 you happy. The truth is, you have to can you 1886 01:38:53.479 --> 01:38:55.159 have to cancel the credit card. 1887 01:38:55.920 --> 01:38:57.479 I did an hour ago. 1888 01:38:58.079 --> 01:39:00.600 Okay, good, get a new card and forget it. 1889 01:39:01.000 --> 01:39:03.960 Oh you should also tell that bank you want it. 1890 01:39:04.079 --> 01:39:06.279 Sounds like they've charged you about one hundred and twenty 1891 01:39:06.279 --> 01:39:09.920 bucks over a year, right, Yeah, you should be able 1892 01:39:09.960 --> 01:39:12.000 to get at least three or four months of that back, 1893 01:39:13.079 --> 01:39:14.600 or you can sue drifty car. 1894 01:39:15.680 --> 01:39:17.279 Oh. 1895 01:39:17.479 --> 01:39:21.439 Yeah, like I said at my age, it's almost not 1896 01:39:21.600 --> 01:39:24.279 worth a hassle. That's why I got rid of the timeshare. 1897 01:39:24.720 --> 01:39:26.520 Now when I called Discover. 1898 01:39:26.760 --> 01:39:29.199 Yeah, you are pretty damn you know I was. 1899 01:39:29.600 --> 01:39:31.239 You took the words out of my mouth. 1900 01:39:31.319 --> 01:39:34.520 My goodness, he's an old fart man man I can't 1901 01:39:34.560 --> 01:39:37.840 believe that. I can't believe that a seventy five year 1902 01:39:37.840 --> 01:39:42.119 old actually could find my number and call me. Benson 1903 01:39:42.199 --> 01:39:47.880 Hurst four four seven. Please Keith, Keith, you're old enough 1904 01:39:47.920 --> 01:39:48.720 to be my friend. 1905 01:39:48.760 --> 01:39:48.920 Bro. 1906 01:39:49.479 --> 01:39:51.880 We're four years apart, so stop. 1907 01:39:52.000 --> 01:39:53.600 Hey, hey, don't lie three years. 1908 01:39:54.760 --> 01:39:59.000 Wait, I'm seventy one. What No, you're seventy two. I'm 1909 01:39:59.079 --> 01:40:03.920 seventy one, seventy two. I just turned seventy one, so 1910 01:40:04.119 --> 01:40:07.079 thank you. But anyway, what is your What year were 1911 01:40:07.079 --> 01:40:13.720 you born June nineteen fifty Yeah, and I was born 1912 01:40:13.720 --> 01:40:19.439 in fifty three. So listen, you are you are, You're 1913 01:40:20.039 --> 01:40:22.079 doing the right thing. You're on the right track, by 1914 01:40:22.119 --> 01:40:25.960 the way, with your credit card, you are. But Keith, 1915 01:40:26.560 --> 01:40:27.319 get a computer. 1916 01:40:30.439 --> 01:40:32.560 Yeah, I'm trying to discover. 1917 01:40:32.680 --> 01:40:36.079 Said what discover? Said what they said? 1918 01:40:36.880 --> 01:40:40.039 Even if they said they're sorry to lose my business, 1919 01:40:40.279 --> 01:40:42.760 they gave me a better They gave me two percent. 1920 01:40:43.960 --> 01:40:46.600 I would get two percent back on all my purchases 1921 01:40:46.640 --> 01:40:49.920 if I didn't cancel my card. They'd lower my interest rate, 1922 01:40:49.960 --> 01:40:52.239 which I don't where because. 1923 01:40:52.000 --> 01:40:54.520 I hold on, hold on, hold on? Did you tell 1924 01:40:54.560 --> 01:40:57.920 them hold on? Did you tell them you would keep 1925 01:40:57.960 --> 01:41:00.000 the account if they would stop that charge. 1926 01:41:02.199 --> 01:41:06.199 They said, they know they want because ongoing things, ongoing things. 1927 01:41:06.239 --> 01:41:07.800 They couldn't promise me that. 1928 01:41:07.800 --> 01:41:11.199 You're right, block it, you're right, and even and by 1929 01:41:11.239 --> 01:41:14.560 the way, by the way, just so you know, even 1930 01:41:14.840 --> 01:41:22.359 if even if you get some kind of a new 1931 01:41:22.439 --> 01:41:24.600 card with them, they can go after your new card. 1932 01:41:24.680 --> 01:41:26.359 So don't do it. We got to take this break. 1933 01:41:26.399 --> 01:41:33.600 We got more coming up. Go with a sure thing 1934 01:41:33.720 --> 01:41:37.039 Denver's Best roofer Excel Roofing dot com. You don't pay 1935 01:41:37.039 --> 01:41:43.119 a cent until you're content. Time for an insurance check 1936 01:41:43.239 --> 01:41:47.239 up free, no obligation comparison call Compass Insurance Paying too 1937 01:41:47.319 --> 01:41:50.359 much your coverage at dozens of insurance companies find out 1938 01:41:50.399 --> 01:41:53.159 now three oh three seven seven one help. You'll think 1939 01:41:53.159 --> 01:41:55.760 you're his only customer when you choose Frank durand the 1940 01:41:55.800 --> 01:41:58.439 real estate Man dot com to list your home with 1941 01:41:58.560 --> 01:42:08.039 Remax Alliance three nine two zero sixteen twenty two. Hi 1942 01:42:08.239 --> 01:42:14.279 Tom Martino, your troubleshooter three all three seven one three 1943 01:42:14.359 --> 01:42:17.760 talk three oll three seven one three eight two five 1944 01:42:18.000 --> 01:42:23.039 five Okay, So what's going on in your life? And 1945 01:42:23.119 --> 01:42:27.560 how can we help you? My goodness, gracious, So we've 1946 01:42:27.600 --> 01:42:30.640 cleared the calls, we've had a ton of calls. If 1947 01:42:30.640 --> 01:42:32.399 you need to get through, give us a call. But 1948 01:42:32.479 --> 01:42:35.239 I do have a ton of questions for Brian. People 1949 01:42:35.319 --> 01:42:38.840 with condos and town homes are going nuts. One says 1950 01:42:39.000 --> 01:42:42.880 they have no insurance for roofing. What do they do? 1951 01:42:43.439 --> 01:42:46.800 Can they get on a condo their pro rat ashore 1952 01:42:47.640 --> 01:42:53.319 share of roofing insurance in a policy like a homeowner's policy? Brian? 1953 01:42:53.520 --> 01:42:55.199 Can they do that? Sir? 1954 01:42:55.840 --> 01:42:58.640 Most of the people that have lost roof coverage or 1955 01:42:58.680 --> 01:43:01.279 where the HOA is basic. We just said they're not 1956 01:43:01.319 --> 01:43:04.399 going to have insurance for the property itself. There's a 1957 01:43:04.479 --> 01:43:06.560 letter that goes out and informs them they need to 1958 01:43:06.560 --> 01:43:10.560 get what's called an HO three policy. You know, a 1959 01:43:10.640 --> 01:43:13.720 condo policy is inn HO six, which means it is 1960 01:43:13.880 --> 01:43:16.880 just covering the walls in basically is what a co. 1961 01:43:17.119 --> 01:43:19.720 Can they buy? If you have a condo and the 1962 01:43:19.840 --> 01:43:23.399 condo place has no roof insurance, will they be covered 1963 01:43:23.399 --> 01:43:25.039 for their own portion? 1964 01:43:25.640 --> 01:43:27.760 Well, it's going to fall again. If it's truly a 1965 01:43:27.800 --> 01:43:30.079 condo where you have people above and below you, then 1966 01:43:30.079 --> 01:43:32.600 you can't get an HO three. So in those cases 1967 01:43:33.000 --> 01:43:36.600 you can get Here's the problem, and this is horrible 1968 01:43:36.640 --> 01:43:38.560 advice for you. But the fact of the matter is 1969 01:43:38.760 --> 01:43:41.439 you have to read your policy. You can get on 1970 01:43:41.520 --> 01:43:45.439 an HO six policy, you can get dwelling coverage. Now 1971 01:43:45.600 --> 01:43:49.640 usually dwelling coverage is just going to cover the interior 1972 01:43:49.680 --> 01:43:52.800 of the unit, but there are policies that will extend 1973 01:43:53.359 --> 01:43:56.439 to what you're responsible for, meaning the exterior or the 1974 01:43:56.520 --> 01:43:59.960 roof in that case. So there are policies you can get. 1975 01:44:00.359 --> 01:44:02.079 Here's the short answer. Call you guys. 1976 01:44:02.119 --> 01:44:04.359 Yeah, this series it gets too complicated. 1977 01:44:04.800 --> 01:44:07.159 Are you facing a lot of this lately? 1978 01:44:07.279 --> 01:44:07.439 Time? 1979 01:44:07.520 --> 01:44:09.840 I even have an example of someone that's called today. 1980 01:44:09.640 --> 01:44:11.319 Okay, I want to go over that. Three oh three 1981 01:44:11.760 --> 01:44:15.479 nine nine six nine thousand is a Compass insurance. We 1982 01:44:15.640 --> 01:44:18.600 are three oh three Martino coming back with you right 1983 01:44:18.640 --> 01:44:21.840 after this. Go with a sure thing Denver's Best roofer 1984 01:44:21.960 --> 01:44:24.880 Excel Roofing dot com. You don't pay a cent until 1985 01:44:24.880 --> 01:44:30.760 you're contenth time for an insurance check up free no 1986 01:44:30.840 --> 01:44:35.199 obligation comparison call Compass Insurance paying too much your coverage 1987 01:44:35.239 --> 01:44:37.880 at dozens of insurance companies. Find out now three oh 1988 01:44:37.960 --> 01:44:40.439 three seven seven to one help. You'll think you're his 1989 01:44:40.600 --> 01:44:43.199 only customer. When you choose Frank durand the Real Estate 1990 01:44:43.239 --> 01:44:46.479 man dot com to list your home with Remax Alliance 1991 01:44:46.720 --> 01:44:49.159 three oh three nine two zero sixteen twenty. 1992 01:44:48.840 --> 01:45:03.920 Two new you come running just as. 1993 01:45:03.760 --> 01:45:04.800 Fast as we can. 1994 01:45:06.079 --> 01:45:09.960 Shooter's gonna help come Man. 1995 01:45:09.520 --> 01:45:15.079 Dix is the Troubleshooter Show. Now, Tom Martine. 1996 01:45:14.640 --> 01:45:17.119 Hello, Tom here, Welcome to the show. Three oh three 1997 01:45:17.279 --> 01:45:21.640 seven one three Talk seven one three eight two five five. 1998 01:45:22.359 --> 01:45:24.760 I don't know why it says standby for the troubleshoot there. 1999 01:45:24.760 --> 01:45:27.479 I am okay. Anyway, We are here to help you, 2000 01:45:27.520 --> 01:45:30.119 solve your problems, answer your questions, take your complaints, make 2001 01:45:30.159 --> 01:45:32.399 your life just a little easier. All you have to 2002 01:45:32.399 --> 01:45:35.520 do is tune in and call three oh three seven 2003 01:45:35.600 --> 01:45:37.640 one three talk or call three oh three Martino three 2004 01:45:37.680 --> 01:45:40.800 oh three six two seven eight four sixty six. Let's 2005 01:45:40.840 --> 01:45:44.680 talk and see what's on your mind. And we have 2006 01:45:45.840 --> 01:45:49.920 Chris who wants to talk about shipping a tractor, and uh, 2007 01:45:49.960 --> 01:45:51.479 go ahead, Chris, what's going on? 2008 01:45:53.000 --> 01:45:56.359 Yeah, I'm looking to get a tractor hauled from Little 2009 01:45:56.399 --> 01:45:57.800 Tin down to Alamosa. 2010 01:45:57.840 --> 01:46:01.479 And I'm wondering if you guys have any shipping company. 2011 01:46:01.439 --> 01:46:04.800 For that kind, for that kind. I don't. 2012 01:46:05.159 --> 01:46:07.960 Actually, I think we had a call similar to this 2013 01:46:08.079 --> 01:46:11.640 recently I would call up Potestio Brothers and Parker or 2014 01:46:11.680 --> 01:46:13.960 one of their locations and ask them who they use 2015 01:46:14.039 --> 01:46:14.640 for shipping. 2016 01:46:14.840 --> 01:46:21.479 They ship tractors all over the country. That was yeah, 2017 01:46:21.640 --> 01:46:24.119 they man, have they been around a long time and 2018 01:46:24.159 --> 01:46:25.720 they've got locations everywhere. 2019 01:46:25.720 --> 01:46:27.560 I happen to have to go pick up a part 2020 01:46:27.600 --> 01:46:29.479 at one they open one out in Elizabeth. 2021 01:46:30.199 --> 01:46:35.119 Yeah. Yeah, there's all kinds of tractor dealers. Potestio is 2022 01:46:35.119 --> 01:46:38.079 the big one around here, and they can help you, 2023 01:46:38.760 --> 01:46:42.239 probably by referring someone to you. Yeah. 2024 01:46:42.279 --> 01:46:44.000 They literally ship everywhere. 2025 01:46:44.039 --> 01:46:44.279 Man. 2026 01:46:46.039 --> 01:46:49.640 Yeah, that's a great idea. You guys do. All right, 2027 01:46:49.760 --> 01:46:53.840 Thank you, Chris, appreciate you calling three oh three seven 2028 01:46:53.920 --> 01:47:00.119 one three eight two five five. Ricky, what's going on? Ricky? Ricky? 2029 01:47:01.079 --> 01:47:01.680 Hi Tom. 2030 01:47:02.239 --> 01:47:04.920 I just wanted to call in and give K and 2031 01:47:05.039 --> 01:47:09.640 H windows props up and to their salesman, Todd Keefer, 2032 01:47:09.920 --> 01:47:12.359 I bought five windows from this morning. 2033 01:47:12.680 --> 01:47:13.279 Great guys. 2034 01:47:14.119 --> 01:47:15.479 I bought a bay window. 2035 01:47:15.239 --> 01:47:18.199 A while back from I just wanted to give it 2036 01:47:18.399 --> 01:47:18.800 Todd up. 2037 01:47:18.880 --> 01:47:21.560 Hey, I really you know what, I really appreciate that 2038 01:47:21.600 --> 01:47:25.399 because K and H. Here's something amazing about K and 2039 01:47:25.560 --> 01:47:29.239 H Home Solutions. Okay, they've been around sixty five years 2040 01:47:29.239 --> 01:47:31.399 with three owners. And you know what's great about that. 2041 01:47:31.800 --> 01:47:36.039 When Henry sold to Bernie who I knew, and Ted 2042 01:47:36.600 --> 01:47:39.840 I've known him for years. They they and Larry was 2043 01:47:39.840 --> 01:47:41.560 there for a while. They did a great job, and 2044 01:47:41.600 --> 01:47:44.039 then they sold to Lee Diamond. He's doing a great job. 2045 01:47:44.239 --> 01:47:47.960 They keep that tradition going. So they also have that 2046 01:47:48.000 --> 01:47:50.960 beautiful siding and everything. I know a lot of love 2047 01:47:51.079 --> 01:47:51.560 hearing this. 2048 01:47:51.680 --> 01:47:54.039 A lot of the employees, I don't mean from sixty 2049 01:47:54.079 --> 01:47:57.000 five years ago, but from the last few years where 2050 01:47:57.000 --> 01:47:59.159 they sold, they're all still there. 2051 01:47:59.199 --> 01:48:01.960 It's still the same core people, just like the ownership, 2052 01:48:02.479 --> 01:48:03.000 I know it. 2053 01:48:03.359 --> 01:48:03.680 Uh. 2054 01:48:03.760 --> 01:48:05.880 And for those listening, if your if you're looking for 2055 01:48:06.079 --> 01:48:09.840 siding or windows or doors or whatever, they do, they 2056 01:48:09.880 --> 01:48:12.560 do it all. Okay, it's K and H Home Solutions 2057 01:48:13.000 --> 01:48:16.359 and it's three O three four to one seventy one hundred, uh, 2058 01:48:16.399 --> 01:48:18.640 three oh three four to one seventy one hundred Cage 2059 01:48:18.680 --> 01:48:23.479 Windows dot com. And I appreciate you doing taking the 2060 01:48:23.520 --> 01:48:24.600 time to do that. Mark. 2061 01:48:24.640 --> 01:48:26.960 I want to ask Brian something, Brian, this hurricane is 2062 01:48:27.000 --> 01:48:29.239 going to be massive in Florida. And I know you 2063 01:48:29.279 --> 01:48:31.960 guys don't sell in Florida, but let's just pretend we're 2064 01:48:32.000 --> 01:48:36.800 all sitting in Florida. The difference the flood insurance that 2065 01:48:36.920 --> 01:48:39.760 people that do have it generally coming from FEMA. My 2066 01:48:39.920 --> 01:48:43.039 understanding is the maximum they'll get is two hundred and 2067 01:48:43.039 --> 01:48:43.840 fifty thousand. 2068 01:48:43.920 --> 01:48:45.560 So tell me if I'm correct. 2069 01:48:45.640 --> 01:48:49.439 If your house is flooded forget wind damage other stuff, 2070 01:48:49.680 --> 01:48:52.119 but flooded, the most they would get is two hundred 2071 01:48:52.159 --> 01:48:55.960 and fifty if they just had the government backed FEMA insurance. 2072 01:48:56.239 --> 01:48:59.680 But if the wind came through and like bleue the 2073 01:49:00.319 --> 01:49:03.800 off and stuff, then their regular homeowners would step in 2074 01:49:04.119 --> 01:49:05.920 for that coverage as long as it's not. 2075 01:49:06.359 --> 01:49:08.840 Uh to do with flood. Is that how it works? 2076 01:49:09.279 --> 01:49:12.119 Yep, exactly. So those are two different perils. So the 2077 01:49:12.159 --> 01:49:16.640 peril of wind would be covered underneath the home owner policy, 2078 01:49:16.800 --> 01:49:19.640 you know, with whatever appropriate deductible they have, But yes, 2079 01:49:20.039 --> 01:49:23.239 the actual flood would be handled through FEMA. There are 2080 01:49:23.399 --> 01:49:26.199 private insurers, at least here in Colorado. I can't speak 2081 01:49:26.239 --> 01:49:28.640 to Florida if they don't offer it there or something, 2082 01:49:28.640 --> 01:49:31.319 but that you can get higher limits than that two 2083 01:49:31.359 --> 01:49:32.199 hundred and fifty. 2084 01:49:32.279 --> 01:49:34.840 What's amazing to me is there's going to be a 2085 01:49:34.840 --> 01:49:38.399 lot of homes that only have coverage for two hundred 2086 01:49:38.399 --> 01:49:42.239 and fifty thousand dollars with flood and let's say they've 2087 01:49:42.279 --> 01:49:46.159 got a five foot flood certificate and they're looking at 2088 01:49:46.239 --> 01:49:49.479 fifteen feet of water coming in. I mean literally, that 2089 01:49:49.560 --> 01:49:52.520 will wipe their house away with water. And if it's 2090 01:49:52.520 --> 01:49:56.239 a million dollar, two million, three million dollar house in Tampa, 2091 01:49:56.399 --> 01:49:58.439 my god. I mean, I'm not saying those would be 2092 01:49:58.479 --> 01:50:02.039 swept away, because hopefully they have been built recently to 2093 01:50:02.079 --> 01:50:04.760 where they're supposed to withstand quite a bit. But I 2094 01:50:04.840 --> 01:50:07.359 don't know of anything that's got a five year flood 2095 01:50:07.399 --> 01:50:10.800 certificate or a five foot with fifteen feet of water. 2096 01:50:10.920 --> 01:50:13.319 I mean literally, it could wipe it away, and all 2097 01:50:13.359 --> 01:50:15.960 they have is two hundred and fifty thousand dollars to 2098 01:50:16.039 --> 01:50:17.199 deal with it well. 2099 01:50:17.079 --> 01:50:20.560 And you know, FEMA's the policy with FEMA is also 2100 01:50:20.720 --> 01:50:23.680 very limited and what it covers, and so you know, 2101 01:50:23.760 --> 01:50:26.680 like FEMA doesn't the FEMA policy doesn't cover loss of use, 2102 01:50:26.760 --> 01:50:28.560 so you have to live somewhere else. They're not going 2103 01:50:28.600 --> 01:50:32.840 to pay for that. You know, there's like a lot 2104 01:50:32.840 --> 01:50:37.039 of limitations dealing with the basement, like it's below grade. Now, 2105 01:50:37.039 --> 01:50:40.079 that's not an issue there, I understand, but there's all 2106 01:50:40.199 --> 01:50:42.800 sorts of limitations to a flood policy. 2107 01:50:42.840 --> 01:50:46.439 Now, let me ask you this one in California where 2108 01:50:46.439 --> 01:50:49.319 they're having these mud slides and landslides, and you'll see 2109 01:50:49.359 --> 01:50:52.800 an entire house literally just go off into the ocean. 2110 01:50:52.920 --> 01:50:54.119 You know what I'm referring to. 2111 01:50:55.600 --> 01:50:59.800 So I understand the house is gone, and I assume 2112 01:50:59.840 --> 01:51:02.800 they have coverage for the house, But the land's gone. 2113 01:51:02.960 --> 01:51:06.079 That land that was right on the ocean is now 2114 01:51:06.159 --> 01:51:09.119 in the ocean. You don't get anything for that, right, 2115 01:51:09.199 --> 01:51:10.760 I mean, it's just simply gone. 2116 01:51:11.359 --> 01:51:14.960 Yeah, there's no coverage for land on an insurance policy. 2117 01:51:15.039 --> 01:51:17.920 It's you know, that's one of the first exclusions on 2118 01:51:18.479 --> 01:51:20.960 any home owner policy as the land itself. 2119 01:51:21.159 --> 01:51:23.680 So some of these smaller islands, it maybe I mean 2120 01:51:23.960 --> 01:51:27.600 it truly, an entire island could be wiped out with 2121 01:51:27.720 --> 01:51:30.199 something like this. There might not even be a place 2122 01:51:30.239 --> 01:51:33.920 for people to rebuild, nor a way. 2123 01:51:33.720 --> 01:51:36.600 That they could have started way waymark, are they saying 2124 01:51:36.880 --> 01:51:39.880 it's gonna be that this is gonna be to. 2125 01:51:39.960 --> 01:51:43.039 I have a feeling this is gonna be worse than Katrina. 2126 01:51:43.079 --> 01:51:48.319 And let's all remember Katrina. The reason is Chopper actually 2127 01:51:48.359 --> 01:51:49.840 put it to the beginning of the show. When we 2128 01:51:49.840 --> 01:51:52.840 were talking, it was in a toilet bowl. And the 2129 01:51:52.960 --> 01:51:55.479 reason it got so bad is when the levees broke 2130 01:51:55.560 --> 01:51:59.920 the entire town is it's below sea level. Now Florida 2131 01:52:00.239 --> 01:52:02.800 where it's hitting is not below sea level, but they're 2132 01:52:02.840 --> 01:52:06.159 talking fifteen feet of water hitting Tampa. I mean, this 2133 01:52:06.199 --> 01:52:09.159 thing is going to be devastating. People are going to 2134 01:52:09.239 --> 01:52:12.039 be dead left and right. I have no idea how 2135 01:52:12.039 --> 01:52:15.000 long it's going to be for power and internet in 2136 01:52:15.119 --> 01:52:18.680 everything like that. My parents that are in Leesburg, which 2137 01:52:18.760 --> 01:52:24.000 is basically south I think southwest of Orlando, they actually 2138 01:52:24.000 --> 01:52:27.239 have hurricane warnings in the middle of the state. Tom 2139 01:52:27.399 --> 01:52:30.960 It's absolutely insane right now, and trying to get out 2140 01:52:30.960 --> 01:52:33.079 of there looks like an absolute nightmare. 2141 01:52:33.399 --> 01:52:33.840 Everything. 2142 01:52:33.920 --> 01:52:36.119 Well, what are your parents going to do? 2143 01:52:36.479 --> 01:52:39.279 Well, they don't have any kind of evacuation orders, so 2144 01:52:39.319 --> 01:52:45.319 they're just sitting there. God, it's amazing, man, I mean 2145 01:52:45.359 --> 01:52:48.039 it's absolutely amazing. I think this is going. 2146 01:52:47.960 --> 01:52:48.199 To be. 2147 01:52:49.640 --> 01:52:51.680 I don't know about death toll. 2148 01:52:52.119 --> 01:52:55.760 I think over the years, hopefully people get smart and 2149 01:52:55.840 --> 01:52:58.880 when the officials say get the hell out, they get output. 2150 01:52:59.199 --> 01:53:01.640 For some reason, people don't. But I think this could 2151 01:53:01.680 --> 01:53:09.760 be as far as dollars, just absolutely devastating, devastating. I 2152 01:53:09.760 --> 01:53:14.840 think a lot of people are gonna lose everything everything. 2153 01:53:15.479 --> 01:53:18.239 I saw people today leaving saying goodbye to their home, 2154 01:53:18.319 --> 01:53:21.199 knowing it's not going to be there. When you see 2155 01:53:21.199 --> 01:53:24.600 the satellite pictures, God, it looks like a freaking science 2156 01:53:24.640 --> 01:53:25.359 fiction movie. 2157 01:53:25.399 --> 01:53:28.319 And it just went back. One of the things we 2158 01:53:28.319 --> 01:53:31.640 were talking about off air with John Fuller. Folks listening 2159 01:53:31.680 --> 01:53:35.359 out there, picture this. Remember this area just got nailed 2160 01:53:35.359 --> 01:53:38.239 by a hurricane a couple weeks ago. When you get 2161 01:53:38.319 --> 01:53:41.920 hit and saltwater gets into your house on these coastal communities, 2162 01:53:42.239 --> 01:53:44.920 everything's got to come out of your house. Once saltwater's 2163 01:53:44.920 --> 01:53:48.920 in your couch, your carpet, everything comes out, your TVs, 2164 01:53:49.000 --> 01:53:51.760 everything goes in front of your house, and eventually you 2165 01:53:51.840 --> 01:53:54.800 take some pictures for insurance and the dump trucks come 2166 01:53:54.840 --> 01:53:57.840 around and they grab everything. The problem is all of 2167 01:53:57.880 --> 01:54:00.399 that stuff is still sitting in front of the home homes. 2168 01:54:00.600 --> 01:54:03.640 So when this new storm comes through in about thirty 2169 01:54:03.680 --> 01:54:06.319 six hours with one hundred and fifty one hundred and 2170 01:54:06.319 --> 01:54:09.079 twenty five mile hour winds, it's going to be picking 2171 01:54:09.159 --> 01:54:14.039 up couches, televisions, all these trash, all this trash that's 2172 01:54:14.079 --> 01:54:16.880 been put out front from the last hurricane is going 2173 01:54:16.960 --> 01:54:20.720 to be thrown around like nobody's business. So you might 2174 01:54:20.760 --> 01:54:23.000 not get flooded, but you might have a couch come 2175 01:54:23.039 --> 01:54:28.479 through the side of your house. Bad stuff, man, really 2176 01:54:28.560 --> 01:54:31.439 bad stuff. So what are your parents doing? 2177 01:54:32.039 --> 01:54:32.279 Well? 2178 01:54:32.319 --> 01:54:32.520 There? 2179 01:54:32.560 --> 01:54:35.760 Once again, they're very inland I mean or no. But 2180 01:54:35.840 --> 01:54:39.399 are they upset. No, they're not upset. They did look 2181 01:54:39.479 --> 01:54:44.039 up different places to go. So in their town of Leesburg, 2182 01:54:44.840 --> 01:54:47.800 there's three high schools I think they told me I forget, 2183 01:54:48.000 --> 01:54:50.319 but all of them are set up with generators in 2184 01:54:50.399 --> 01:54:53.720 case of powers gone for a while, and water, hopefully 2185 01:54:53.840 --> 01:54:56.239 enough water to where if you if you have no 2186 01:54:56.319 --> 01:54:59.840 electricity you can at least go down there cool off 2187 01:55:00.039 --> 01:55:03.640 in the next couple weeks, get some food stuff like that. So, 2188 01:55:03.680 --> 01:55:06.159 I mean, there's a lot of shelters already set up 2189 01:55:06.199 --> 01:55:08.119 ready to go with generators and everything. 2190 01:55:10.239 --> 01:55:14.800 All right, Brian, I have some insurance stuff coming up 2191 01:55:14.880 --> 01:55:18.399 right after this again from condo and townhome owners. 2192 01:55:19.560 --> 01:55:21.279 Oh hold on, let me let me even bring that 2193 01:55:21.359 --> 01:55:26.119 conversation real quick with Brian into that. I mean, these 2194 01:55:26.119 --> 01:55:29.720 people that have condos that are in a place like 2195 01:55:29.800 --> 01:55:32.920 this in Florida. I mean, how does that work? Their 2196 01:55:33.039 --> 01:55:36.840 possessions are covered by everything what is it, Brian? Everything 2197 01:55:37.079 --> 01:55:40.000 inside of the dry wall if you will, or inside 2198 01:55:40.039 --> 01:55:42.000 of the walls your own insurance covers. 2199 01:55:42.039 --> 01:55:43.640 Oh you're talking about for hurricanes? 2200 01:55:43.760 --> 01:55:46.159 Yeah, but how does that work? I mean, you know, 2201 01:55:46.319 --> 01:55:51.079 let's face it, Tampa, Jacksonville, these places have absolutely gorgeous 2202 01:55:51.239 --> 01:55:53.560 You can find a one two million dollar on the 2203 01:55:53.560 --> 01:55:56.279 ocean town or a condo people own. 2204 01:55:56.800 --> 01:55:57.680 What happens to. 2205 01:55:57.680 --> 01:56:02.479 Those well, again, if you're talking about for their personal 2206 01:56:02.520 --> 01:56:05.399 property or their drywall inside, it depends on what that 2207 01:56:05.640 --> 01:56:10.760 hoa you know, regulation or documents say of who's responsible 2208 01:56:10.800 --> 01:56:13.720 for what. But if you want it to be covered 2209 01:56:13.720 --> 01:56:16.640 for flood, you've got to get flood insurance for that 2210 01:56:16.840 --> 01:56:19.560 as well. They do offer flood insurance for condos for 2211 01:56:19.720 --> 01:56:20.439 ho sixes. 2212 01:56:20.680 --> 01:56:20.960 Wow. 2213 01:56:21.000 --> 01:56:24.039 And so if the damage is caused by the flood, 2214 01:56:24.600 --> 01:56:26.880 then you would have an exclusion there. If it's caused 2215 01:56:26.880 --> 01:56:29.800 by the hurricane, then you have your guess. 2216 01:56:31.159 --> 01:56:34.000 I'm going more to this question. I didn't phrase that right. 2217 01:56:34.279 --> 01:56:37.279 They had one where the pool deck collapsed in Florida 2218 01:56:37.359 --> 01:56:39.560 a couple of years ago, was horrible. A bunch of 2219 01:56:39.600 --> 01:56:42.000 people died. It was a big condo, and they ended 2220 01:56:42.079 --> 01:56:44.359 up shutting the whole thing down. In other words, they 2221 01:56:44.399 --> 01:56:47.399 totaled it. There wasn't enough insurance to fix it. And 2222 01:56:47.439 --> 01:56:51.199 then if if a big condo is hit so hard 2223 01:56:51.239 --> 01:56:55.800 with this storm to where it's unlivable anymore, what does 2224 01:56:55.800 --> 01:56:58.600 someone get that live there? I mean, okay, you get 2225 01:56:58.640 --> 01:57:01.079 your contents, but it might to cost you a million 2226 01:57:01.079 --> 01:57:03.520 bucks for the condo that you can't move back into. 2227 01:57:03.800 --> 01:57:05.720 There is no coverage for that, is there? 2228 01:57:06.640 --> 01:57:08.920 Well, I mean the HOA should have a policy for 2229 01:57:09.000 --> 01:57:11.520 the for the actual exterior that and that would go 2230 01:57:11.600 --> 01:57:14.560 to each of the members of each of the unit owners. 2231 01:57:14.560 --> 01:57:17.239 Well, that's great if they could actually rebuild it, I 2232 01:57:17.279 --> 01:57:19.079 guess if they had enough money. 2233 01:57:19.720 --> 01:57:21.720 Well, but if they can't rebuild it, let's say it's 2234 01:57:21.760 --> 01:57:24.159 not even possible to rebuild, there's gonna be a settlement 2235 01:57:24.159 --> 01:57:26.239 of some kind, whether it be a cash out offer. 2236 01:57:26.720 --> 01:57:28.960 But you're right, they're gonna lose money out of that. 2237 01:57:29.119 --> 01:57:30.399 I totally agree. 2238 01:57:30.560 --> 01:57:31.439 Yeah, I just. 2239 01:57:31.479 --> 01:57:36.000 Yeah, Well you always, you always lose equity and a 2240 01:57:36.079 --> 01:57:41.319 casualty loss always because equity cannot be insured, and that's 2241 01:57:41.359 --> 01:57:44.880 what happened with the fires. You will lose your equity 2242 01:57:45.279 --> 01:57:49.399 even if you're adequately insured, because they do not base 2243 01:57:49.439 --> 01:57:53.439 it on appraised value. They base it on replacement costs. 2244 01:57:53.840 --> 01:57:56.880 Right, So the only reason you wouldn't is if you 2245 01:57:57.000 --> 01:58:00.720 rebuild and the value is still there, give it. Value 2246 01:58:00.760 --> 01:58:03.000 of the house is higher than what the rebuild cost was. 2247 01:58:03.079 --> 01:58:07.319 Yeah, but it's almost impossible. No, you're right, I'm Tom Martino. 2248 01:58:07.680 --> 01:58:15.199 We have more coming up. Go with a sure thing 2249 01:58:15.319 --> 01:58:18.600 Denver's Best roofer Excel Roofing dot com. You don't pay 2250 01:58:18.640 --> 01:58:25.319 a cent until you're content. Time for an insurance checkup free, 2251 01:58:25.399 --> 01:58:29.119 no obligation. In comparison, call Compass Insurance paying too much 2252 01:58:29.239 --> 01:58:32.199 your coverage at dozens of insurance companies find out now 2253 01:58:32.239 --> 01:58:34.760 three oh three seven seven to one Help. You'll think 2254 01:58:34.800 --> 01:58:37.359 you're his only customer when you choose Frank durand the 2255 01:58:37.399 --> 01:58:40.039 real estate Man dot com to list your home with 2256 01:58:40.159 --> 01:58:43.720 Remax Alliance three oh three nine two zero sixteen twenty two. 2257 01:58:46.319 --> 01:58:50.680 Hi Tom Martino, your troubleshooter three oh three seven to 2258 01:58:50.720 --> 01:58:53.840 one three talk three oh three seven one three eight 2259 01:58:53.880 --> 01:58:57.279 two five five. Brian Burns is with us from Compass 2260 01:58:57.319 --> 01:59:01.319 Insurance Group. We're getting a lot of a lot of 2261 01:59:01.399 --> 01:59:08.640 questions really, and so the main questions we're getting about 2262 01:59:08.680 --> 01:59:13.520 condos and town homes. So what they're saying is are 2263 01:59:13.560 --> 01:59:18.119 you finding that more and more town homes or condos? 2264 01:59:18.119 --> 01:59:21.439 The calls you're getting from people is it because they 2265 01:59:21.439 --> 01:59:25.119 can't get insurance at all, or they're ridiculous deductibles or 2266 01:59:25.159 --> 01:59:28.359 actual cash value? And it's mainly roof we're talking about 2267 01:59:28.359 --> 01:59:30.960 with condos, right, is that the main issue right now? 2268 01:59:31.439 --> 01:59:33.720 Yeah, unless it's in a fire risk area, then it's 2269 01:59:33.760 --> 01:59:37.399 the entire you know thing is difficult to find insurance on. 2270 01:59:37.520 --> 01:59:40.520 But yes, it's more than homes. 2271 01:59:40.680 --> 01:59:44.720 Well, so because it's just a big exposure there, you know. 2272 01:59:44.720 --> 01:59:48.880 And yeah, yeah right, yeah, yeah, yeah, So yeah we 2273 01:59:48.960 --> 01:59:50.239 hear from me because that's. 2274 01:59:50.079 --> 01:59:56.800 Like one insured, that's like one company having the entire neighborhood. 2275 01:59:57.000 --> 02:00:00.359 One hailstorm destroys it, all right, and so it's it's 2276 02:00:00.439 --> 02:00:04.479 become you know, very difficult to find insurance for hoa's 2277 02:00:04.880 --> 02:00:07.560 that is affordable for them. And that's the point, you know, 2278 02:00:07.600 --> 02:00:10.880 you'll what they used to pay, you know, a decent 2279 02:00:11.000 --> 02:00:13.600 size HOA would have paid maybe one hundred thousand for 2280 02:00:13.680 --> 02:00:16.840 premium is now being quoted you know, six hundred thousand, 2281 02:00:17.319 --> 02:00:21.399 and they're going to have a deductible of you know, 2282 02:00:21.479 --> 02:00:25.760 two million across the entire thing, and so they just 2283 02:00:26.399 --> 02:00:28.600 they they've got to pass that or that's what they've 2284 02:00:28.600 --> 02:00:32.359 done is pass that on to the individual unit owners 2285 02:00:32.399 --> 02:00:35.439 and said, you know, you need to get insurance to 2286 02:00:35.479 --> 02:00:37.199 cover yourself from these deductibles. 2287 02:00:37.640 --> 02:00:39.399 And that's where that loss assessment comes. 2288 02:00:39.239 --> 02:00:41.359 In at PITDD. You have an insurance question. 2289 02:00:42.000 --> 02:00:47.119 Yeah, Brian, Yeah, Brian, speaking of condos, I just looked 2290 02:00:47.119 --> 02:00:50.800 at the renewal paperwork for my condo policy, and specifically, 2291 02:00:51.079 --> 02:00:53.680 there's an option that I purchased there. It's called Equipment 2292 02:00:54.279 --> 02:00:57.520 Breakdown Coverage and it's from one of the big national carriers. 2293 02:00:58.119 --> 02:00:59.880 And I looked on their website and it says that 2294 02:01:00.079 --> 02:01:02.600 protects my equipment such as air conditioning in my case, 2295 02:01:02.600 --> 02:01:05.359 a heat pump. But then there's also a section that 2296 02:01:05.439 --> 02:01:07.800 says normal wear and tear is not covered. 2297 02:01:07.880 --> 02:01:08.279 I know, right. 2298 02:01:08.399 --> 02:01:12.199 So my question is when things wear out, they break down, 2299 02:01:13.000 --> 02:01:15.800 and so this information seems to be in conflict with 2300 02:01:15.880 --> 02:01:16.279 each other. 2301 02:01:16.359 --> 02:01:17.319 Am I covered or not? 2302 02:01:17.680 --> 02:01:20.000 Yeah, here's the problem, and Tom, you and I have 2303 02:01:20.039 --> 02:01:25.039 talked or it's like warranty service, the home services warranties. 2304 02:01:25.079 --> 02:01:27.880 They suck the home the like the Blue Ribbon policies 2305 02:01:27.920 --> 02:01:29.960 and all that normal wear and tear is not covered. 2306 02:01:30.000 --> 02:01:32.520 Owner abuse not covered, lack of maintenance not covered. Do 2307 02:01:32.600 --> 02:01:35.319 you realize that that's ninety eight percent of everything? 2308 02:01:35.640 --> 02:01:37.720 Yeah, that's why I'm asking what am I covered for? 2309 02:01:37.720 --> 02:01:39.279 For catastrophic failure for no. 2310 02:01:39.279 --> 02:01:43.560 Reason, sudden, direct, and accidental? That's what that's like? What 2311 02:01:43.680 --> 02:01:44.880 which is almost nothing? 2312 02:01:45.279 --> 02:01:49.640 Asking almost nothing? Almost nothing? You're answering the question is 2313 02:01:49.640 --> 02:01:51.680 why I do not recommend home warranties. 2314 02:01:51.760 --> 02:01:53.800 Oh, it's not a warranty, it's actually insurance. 2315 02:01:54.399 --> 02:01:56.479 I know it's not, but it's the same thing. 2316 02:01:56.920 --> 02:01:57.760 This is ridiculous. 2317 02:01:57.960 --> 02:02:01.199 Yeah, but honestly, Brian, give a real example of what 2318 02:02:01.239 --> 02:02:02.479 would be covered under that. 2319 02:02:03.840 --> 02:02:05.800 I don't know. How is my air conditioner? 2320 02:02:06.600 --> 02:02:10.279 Like someone takes a baseball bat to his air conditioner? 2321 02:02:10.359 --> 02:02:13.439 Wouldn't that be covered anyhow? Under normal homeowners? 2322 02:02:13.479 --> 02:02:16.000 Well, and yeah, to your point, like a lightning strike, 2323 02:02:16.119 --> 02:02:18.399 but that that would be lightning and that would be 2324 02:02:18.439 --> 02:02:19.920 covered by the policy. 2325 02:02:20.000 --> 02:02:22.079 Anyways, I really. 2326 02:02:21.840 --> 02:02:23.520 Can't there there aren't many. 2327 02:02:23.800 --> 02:02:27.399 Yeah, I would be covered that wouldn't be covered by 2328 02:02:27.439 --> 02:02:30.800 your astrophic breakdown. Yeah, but that's that's covered by your 2329 02:02:30.840 --> 02:02:32.159 normal homeowners, isn't it. 2330 02:02:32.479 --> 02:02:33.800 Well, let's say no, it's not. 2331 02:02:34.520 --> 02:02:37.479 Let's say a refrigerator just goes out for no reason. 2332 02:02:37.520 --> 02:02:40.399 It's it's not old, it hasn't shown where in tearor 2333 02:02:40.840 --> 02:02:43.520 it's it's sudden and accidental. Something happens. You can put 2334 02:02:43.560 --> 02:02:45.239 a claim in for that, and that could be something 2335 02:02:45.239 --> 02:02:45.920 that could be covered. 2336 02:02:46.000 --> 02:02:46.760 Or the compressor. 2337 02:02:47.159 --> 02:02:50.520 Yeah, so my compressor breaks down, that's covered. 2338 02:02:50.680 --> 02:02:54.000 Well, it breaks down as it just depends on what happens. 2339 02:02:54.079 --> 02:02:55.920 If it's a lack of maintenance, well, there is no 2340 02:02:55.960 --> 02:02:58.840 maintenance for a compressor. So let's say it's normal wear 2341 02:02:58.840 --> 02:03:00.720 in tear. No, if it's just old, no. 2342 02:03:01.279 --> 02:03:02.960 Yeah, if it's ten years old and it goes out 2343 02:03:02.960 --> 02:03:04.000 and it's there. 2344 02:03:03.800 --> 02:03:06.439 Are things, there are things that break. Okay, there are 2345 02:03:06.479 --> 02:03:10.159 things that break, but it could happen, but very seldom. 2346 02:03:10.319 --> 02:03:13.359 That That's why I'm telling people when you pay, And 2347 02:03:13.399 --> 02:03:17.119 what I hate more than that is that pre existing 2348 02:03:17.159 --> 02:03:20.600 conditions normal warrant here, right, So that that means you 2349 02:03:20.640 --> 02:03:22.880 don't know if it's covered or not until it breaks down. 2350 02:03:23.680 --> 02:03:26.920 So they're telling you pay now and find out what 2351 02:03:26.960 --> 02:03:27.760 we cover later. 2352 02:03:28.640 --> 02:03:30.279 Yeah, I think I'm not gonna like that answer. 2353 02:03:30.319 --> 02:03:31.760 If I ever have to find out get it. 2354 02:03:31.840 --> 02:03:34.159 I know someone that would if something did break, I 2355 02:03:34.199 --> 02:03:36.640 know someone that could argue it and most likely get 2356 02:03:36.680 --> 02:03:37.199 you paid. 2357 02:03:37.239 --> 02:03:43.039 Though, who's that, Matt, Oh you mean paragram? Well if you're, yeah, 2358 02:03:43.039 --> 02:03:45.239 but are you gonna call them on a compressor. 2359 02:03:44.840 --> 02:03:47.239 For a refriger it's a ten thousand dollars. My neighbors 2360 02:03:47.279 --> 02:03:49.880 replaced the heat pump. It costs ten thousand dollars. 2361 02:03:50.119 --> 02:03:52.199 It's a bit well that's different the heat pump. And 2362 02:03:52.600 --> 02:03:56.119 but you know what, that sounds a lot like a 2363 02:03:56.119 --> 02:03:58.640 warranty to me. It does not sound like insurance. In fact, 2364 02:03:58.880 --> 02:04:00.800 i'll bet you if you read it, it's not insurance, 2365 02:04:01.119 --> 02:04:04.079 because insurance that's not insurance. 2366 02:04:03.680 --> 02:04:06.840 Isn't well, there is tons of policies that you can 2367 02:04:07.199 --> 02:04:09.640 put an endorsement for equipment breakdown. 2368 02:04:09.760 --> 02:04:13.239 Okay, that is something, but they're actually insurance. 2369 02:04:13.479 --> 02:04:16.520 It will not cover anything other than a sudden, direct 2370 02:04:16.640 --> 02:04:19.399 and accidental loss, and so overall wear and terror is 2371 02:04:19.439 --> 02:04:21.439 always going to be excluded. And that's where the problem 2372 02:04:21.439 --> 02:04:23.720 comes into play. What's what happened? 2373 02:04:23.760 --> 02:04:25.399 That's all I'm worried about. I'm not going to back 2374 02:04:25.439 --> 02:04:27.680 my car into it, it's something. 2375 02:04:27.159 --> 02:04:29.800 Does that line coverage work that same way like what 2376 02:04:29.920 --> 02:04:30.119 I have? 2377 02:04:30.239 --> 02:04:33.239 Brian, No, you mean service line? 2378 02:04:33.319 --> 02:04:34.960 Yeah, because I'm saying it's not sudden. 2379 02:04:35.279 --> 02:04:39.439 Service line is one of those really outliers, one of 2380 02:04:39.479 --> 02:04:42.239 those bizarre coverages and insurance where they do pay wear 2381 02:04:42.239 --> 02:04:45.239 and terror. Okay, it is covered if a route goes 2382 02:04:45.279 --> 02:04:47.920 through it, if it's something that happens, if something happens 2383 02:04:47.960 --> 02:04:51.640 to it, it will cover, you know, replacing that line 2384 02:04:51.720 --> 02:04:53.239 up to whatever that dollar a matter. 2385 02:04:53.039 --> 02:04:55.920 How many times do you see someone actually have a 2386 02:04:56.000 --> 02:04:58.680 claim on line coverage all the time. 2387 02:04:58.760 --> 02:05:00.239 One of the most common claims. 2388 02:05:00.399 --> 02:05:03.560 Go with a sure thing Denver's Best Roofer Excel Roofing 2389 02:05:03.680 --> 02:05:06.319 dot com. You don't pay a cent until you're content 2390 02:05:09.359 --> 02:05:12.159 the time for an insurance check up free no obligation 2391 02:05:12.279 --> 02:05:16.159 comparison call Compass insurance paying too much your coverage at 2392 02:05:16.199 --> 02:05:19.319 dozens of insurance companies find out now three all three seven, 2393 02:05:19.439 --> 02:05:22.199 seven to one help. You'll think you're his only customer 2394 02:05:22.279 --> 02:05:24.520 when you choose Frank durand the Real estate Man dot 2395 02:05:24.560 --> 02:05:27.880 com to list your home with Remax Alliance three oh 2396 02:05:27.920 --> 02:05:33.680 three nine two zero sixteen twenty two. Hi'm Tom Martino, 2397 02:05:33.800 --> 02:05:36.439 here three oh three seven one three talk seven one 2398 02:05:36.439 --> 02:05:38.760 three each five five. Melanie, you have a story about 2399 02:05:38.760 --> 02:05:39.840 a condo in Tampa. 2400 02:05:39.880 --> 02:05:43.760 What's going on, Hey, Thomas, Melanie Rince. I just wanted 2401 02:05:43.760 --> 02:05:44.760 to call and give a shout out. 2402 02:05:44.760 --> 02:05:44.880 I have. 2403 02:05:45.159 --> 02:05:49.079 My daughter is a junior at University of Tampa and 2404 02:05:49.920 --> 02:05:52.000 this is the third time they've had to evacuate for 2405 02:05:52.239 --> 02:05:54.359 major storms. This one, this one they were going to 2406 02:05:54.439 --> 02:05:56.279 ride out, you know, they thought, because the other two 2407 02:05:56.279 --> 02:05:59.079 didn't hit. But thankfully they came to their senses. But 2408 02:05:59.119 --> 02:06:00.720 I just wanted to give a shout out. And you know, 2409 02:06:00.760 --> 02:06:02.960 there's a lot of people in need down there. 2410 02:06:03.000 --> 02:06:05.079 But these girls, these four girls. 2411 02:06:04.800 --> 02:06:08.960 Are in this rinkety dank suv headed headed wherever they 2412 02:06:09.000 --> 02:06:14.359 can to high Land. But they actually went and the foster. 2413 02:06:14.640 --> 02:06:20.399 There's a dog foster fostering center near the university and 2414 02:06:20.439 --> 02:06:23.640 they put it out a call if anybody can come 2415 02:06:23.640 --> 02:06:25.520 pick up a dog to foster it. During the story, 2416 02:06:26.000 --> 02:06:28.880 world went yeah, So the girls went and picked up 2417 02:06:28.880 --> 02:06:32.640 one German, beautiful German shepherd. Her name is Maryland and 2418 02:06:32.680 --> 02:06:36.239 she's traveling. But then they called the girls back and 2419 02:06:36.479 --> 02:06:43.880 said that another, uh, another foster person returned Maryland's twin 2420 02:06:44.039 --> 02:06:47.720 sister France. Oh another the other German shepherd, and could 2421 02:06:47.720 --> 02:06:50.840 the girls come back and get Franny too. So we've 2422 02:06:50.840 --> 02:06:54.800 got four girls, four nineteen year old girls in a 2423 02:06:54.920 --> 02:06:58.359 rinketying suv with two giants German shepherds. 2424 02:06:58.399 --> 02:06:59.199 Where are they going? 2425 02:07:00.279 --> 02:07:04.079 Well, they went to Georgia University of Georgia and they 2426 02:07:04.119 --> 02:07:06.279 got there and they were going to stay at another 2427 02:07:06.319 --> 02:07:08.560 friends sorority house. But they can't have the dogs. So 2428 02:07:08.680 --> 02:07:11.880 now they're headed to North Carolina. 2429 02:07:12.199 --> 02:07:15.159 Holy crap, they're really getting out of there. 2430 02:07:16.039 --> 02:07:18.359 Yeah yeah, I mean there's just nowhere. There's no hotels, 2431 02:07:18.359 --> 02:07:20.119 there's no and so they're just driving. 2432 02:07:20.319 --> 02:07:20.680 Anyways. 2433 02:07:20.680 --> 02:07:22.079 I just wanted to share the story. 2434 02:07:21.800 --> 02:07:26.439 Because it is Oh Melanie, my goodness, what good souls 2435 02:07:26.520 --> 02:07:29.960 to go and rescue two dogs. Now are they going 2436 02:07:30.000 --> 02:07:32.560 to bring the dogs back after the storm? What's this? 2437 02:07:33.119 --> 02:07:33.279 Oh? 2438 02:07:33.720 --> 02:07:38.079 Yeah yeah, really what they're going to start loving them? Melanie? 2439 02:07:38.119 --> 02:07:41.880 Thank you, thank you very much. Okay, Ernie has an 2440 02:07:41.880 --> 02:07:45.199 insurance question, Ernie, go ahead, we got compass with us today. 2441 02:07:45.199 --> 02:07:45.680 Go ahead. 2442 02:07:46.640 --> 02:07:47.159 It's Tom. 2443 02:07:47.159 --> 02:07:52.600 I have a stream baller and uh it's a the 2444 02:07:52.840 --> 02:07:55.479 lines that takes the steam up to the radiators. 2445 02:07:55.479 --> 02:08:02.000 Are yeah, yeah, yeah, yeah, insurance those well, well, insurance 2446 02:08:02.000 --> 02:08:04.560 doesn't cover any of that. Well, it depends what happens 2447 02:08:04.560 --> 02:08:08.199 to it. Well, Mark, give me an example of where 2448 02:08:08.239 --> 02:08:11.560 a boiler covered someone breaks in and beats it up 2449 02:08:11.600 --> 02:08:14.800 with a baseball. Come on, Ernie, Ernie, what we're talking 2450 02:08:14.840 --> 02:08:18.560 about is normal insurance does not cover breakdowns. Okay, amazing, 2451 02:08:19.399 --> 02:08:20.640 is that what you're asking about. 2452 02:08:21.479 --> 02:08:24.079 I'm talking about the lines as the leak. 2453 02:08:25.000 --> 02:08:28.720 Okay, if the line breaks, So what would happen with 2454 02:08:28.800 --> 02:08:31.880 insurance is the damage caused by the leak would be covered, 2455 02:08:31.880 --> 02:08:35.199 but they wouldn't cover the actual machinery or the line 2456 02:08:35.239 --> 02:08:36.520 itself to be fixed. 2457 02:08:36.680 --> 02:08:38.680 But they would fix they would have to pay for 2458 02:08:38.720 --> 02:08:39.159 the damage. 2459 02:08:39.439 --> 02:08:42.600 Car of course, that could be something that that other 2460 02:08:42.680 --> 02:08:47.039 person's insurance would cover. Though, right that last caller we 2461 02:08:47.119 --> 02:08:50.319 had where the actual insurance company had a policy on 2462 02:08:50.880 --> 02:08:52.079 his boiler system. 2463 02:08:52.399 --> 02:08:53.439 On an equipment. 2464 02:08:53.039 --> 02:08:58.479 Breakdown, there is specific coverage for boiler insurance, like it's 2465 02:08:58.520 --> 02:09:01.359 a commercial type of policy, got it. And those are 2466 02:09:01.399 --> 02:09:04.880 more comprehensive than talking about like the you know, equipment 2467 02:09:04.880 --> 02:09:05.600 breakdown that way. 2468 02:09:05.720 --> 02:09:10.159 But but even with equipment breakdown, remember it has to 2469 02:09:10.199 --> 02:09:14.880 be such a distinct breakdown. Hey, Charlie, what is your 2470 02:09:15.000 --> 02:09:16.159 question for Compass? 2471 02:09:19.600 --> 02:09:22.560 Charlie, Yes, yes, can you hear can you hear me? 2472 02:09:22.600 --> 02:09:24.000 Yes? Yes we can, sir. 2473 02:09:26.399 --> 02:09:31.159 Okay, So I just had a question. My mom's insurance 2474 02:09:31.159 --> 02:09:34.479 went went from like nineteen hundred dollars a year on 2475 02:09:34.520 --> 02:09:37.880 her house to forty eight hundred what. 2476 02:09:39.600 --> 02:09:42.119 Wait wait wait wait wait wait wait wait wait more 2477 02:09:42.119 --> 02:09:47.560 than doubled. Yes, but but test she had a lot 2478 02:09:47.600 --> 02:09:49.479 of claims. 2479 02:09:50.920 --> 02:09:57.600 I mean she had a water backup claim. I'm back 2480 02:09:58.000 --> 02:09:58.760 two years ago. 2481 02:09:59.079 --> 02:09:59.960 What about a roof? 2482 02:10:01.720 --> 02:10:04.840 Her roof was replaced back in twenty twelve. But it's 2483 02:10:04.840 --> 02:10:05.359 not a. 2484 02:10:05.199 --> 02:10:08.479 Class for that's okay? Did you Ryan shot? 2485 02:10:10.199 --> 02:10:10.560 What's that? 2486 02:10:10.800 --> 02:10:13.000 Did you shop around to other companies? 2487 02:10:14.479 --> 02:10:17.960 I've got a quote from USA, she's with Travelers. They 2488 02:10:17.960 --> 02:10:20.560 got a quote from the USAA and a quote from 2489 02:10:20.600 --> 02:10:21.319 State Farms. 2490 02:10:21.319 --> 02:10:23.000 You better do the insurance checkup. 2491 02:10:23.039 --> 02:10:24.840 By the way, Yeah, it's free, and you're going to 2492 02:10:24.920 --> 02:10:26.640 have like twenty companies. 2493 02:10:26.159 --> 02:10:33.720 Man through Compass, I mean or yeah, it's free, there's 2494 02:10:33.720 --> 02:10:34.479 no obligation. 2495 02:10:34.840 --> 02:10:39.319 Well, but what I'm being told is that the insurance 2496 02:10:39.359 --> 02:10:43.039 companies now are looking at aerial views and if you 2497 02:10:43.119 --> 02:10:47.399 have this house is almost eighty years old. 2498 02:10:47.800 --> 02:10:50.079 That could be true, but it still doesn't matter. They're 2499 02:10:50.119 --> 02:10:51.039 still calculator. 2500 02:10:51.359 --> 02:10:54.079 They're doing aerial views and doing what tell. 2501 02:10:53.920 --> 02:10:56.479 Me what aerial views? And if you have trees over 2502 02:10:56.520 --> 02:10:59.880 your roof that they just basically don't want to ensure. 2503 02:11:00.800 --> 02:11:03.479 They'll just require it be trimp back. I'm guessing is 2504 02:11:03.520 --> 02:11:05.880 what is what would happen if they did earl of 2505 02:11:05.960 --> 02:11:07.960 view they would say these these Yeah, they don't want 2506 02:11:08.039 --> 02:11:09.319 branches touching your roof. 2507 02:11:10.880 --> 02:11:11.880 Yeah, but you shouldn't. 2508 02:11:11.920 --> 02:11:15.600 I mean, that's common sense though, right guys, yes. 2509 02:11:15.680 --> 02:11:20.119 Right, Why don't you call them though? Three oh three 2510 02:11:20.239 --> 02:11:22.279 nine ninety six, nine thousand, for the hell of it. 2511 02:11:22.439 --> 02:11:23.760 And seriously, and let us know. 2512 02:11:25.079 --> 02:11:30.479 Now, coming up, we'll discuss Valencia apartments, which, by the way, 2513 02:11:31.520 --> 02:11:35.319 it's Valencia condos. They believe the Club of Valencia. It's 2514 02:11:35.399 --> 02:11:38.079 it's been the worst thing I have ever heard of 2515 02:11:38.800 --> 02:11:42.359 in my life. And they need to get they truly 2516 02:11:42.399 --> 02:11:44.520 need to get a public adjuster mark. When you hear 2517 02:11:44.600 --> 02:11:48.199 the story, I'll go over it again. It is unbelievable. 2518 02:11:48.720 --> 02:11:54.760 More coming right up, Hi, Tom Martino here three three 2519 02:11:54.840 --> 02:12:00.840 seven on three talk Anastasia. Were you living in Club Valencia? 2520 02:12:03.640 --> 02:12:03.800 Hi? 2521 02:12:04.319 --> 02:12:05.680 No, I was not living there. 2522 02:12:05.720 --> 02:12:07.199 I own a unit there. 2523 02:12:07.359 --> 02:12:10.920 And you were renting it out unit God, I want 2524 02:12:10.960 --> 02:12:14.800 to explain what's going on? Did you guys? Did a 2525 02:12:14.920 --> 02:12:15.880 start with a fire? 2526 02:12:17.079 --> 02:12:20.479 It started with one fire in November of twenty two. 2527 02:12:21.079 --> 02:12:23.840 And then they found asbestos? Is that right? 2528 02:12:24.840 --> 02:12:25.600 That's correct? 2529 02:12:26.439 --> 02:12:31.439 And has in it? Sat that vacant the entire project? 2530 02:12:31.520 --> 02:12:32.640 Didn't they vacate it? 2531 02:12:34.000 --> 02:12:34.399 Yes? 2532 02:12:35.039 --> 02:12:37.079 And how many owners were displaced? 2533 02:12:40.159 --> 02:12:44.279 There were one hundred and sixty four units affected after 2534 02:12:44.319 --> 02:12:48.640 the second fire. The first fire included eighty units. The 2535 02:12:48.680 --> 02:12:55.840 second fire included the balance of the others to be 2536 02:12:56.000 --> 02:13:00.279 boarded up in chain linked. Are you closed up from 2537 02:13:00.600 --> 02:13:01.640 that point forward? 2538 02:13:02.319 --> 02:13:06.840 Now here's the deal. Not only are they displaced, Brian, 2539 02:13:07.560 --> 02:13:10.720 but there's all kinds of lawsuits going on and the 2540 02:13:10.800 --> 02:13:14.000 insurance companies are not paying. Right, you didn't get paid, 2541 02:13:14.039 --> 02:13:18.800 did you? Anastasia correct? No one's paying anything? Did they? 2542 02:13:19.520 --> 02:13:21.960 What is the HOA doing? Did they get together to 2543 02:13:22.039 --> 02:13:24.079 hire a public adjuster or something? 2544 02:13:25.119 --> 02:13:28.520 They did the AKA they had a public adjuster. 2545 02:13:28.800 --> 02:13:31.720 And is the public adjuster? Well, is the public adjuster 2546 02:13:31.880 --> 02:13:32.680 doing anything? 2547 02:13:34.960 --> 02:13:39.199 He's being very proactive on behalf of the HOA and 2548 02:13:39.239 --> 02:13:44.119 the owners. He has good advocated with a Rapo County 2549 02:13:44.920 --> 02:13:50.720 to have the value of the property reflect what has 2550 02:13:50.840 --> 02:13:54.800 happened so that property owners are no longer paying on 2551 02:13:55.359 --> 02:13:56.279 the full value. 2552 02:13:56.800 --> 02:14:00.439 Well, what's going to happen, anaesthesia? Are our insurance company? 2553 02:14:00.920 --> 02:14:04.239 Is the insurance company going to finally pay? 2554 02:14:05.000 --> 02:14:11.279 It depends on the outcome of the current lawsuits. 2555 02:14:11.600 --> 02:14:15.000 Why is the insurance company refusing to pay? To begin with? 2556 02:14:15.119 --> 02:14:16.920 Why did they not pay. 2557 02:14:19.479 --> 02:14:25.520 The master carrier? It's my understanding the master carrier use 2558 02:14:25.640 --> 02:14:33.279 some technicalities in the coverage to deny payment. We like, 2559 02:14:33.359 --> 02:14:39.239 what do you remember something to do with the smoke alarms? 2560 02:14:39.239 --> 02:14:41.640 Oh, like they had to be up to a certain 2561 02:14:41.840 --> 02:14:44.279 criteria in order for the coverage to kick in. 2562 02:14:45.279 --> 02:14:48.680 Yes, Brian, have you ever heard of that their fire 2563 02:14:48.760 --> 02:14:53.359 reduction equipment is not proper? It's or fire prevention whatever. 2564 02:14:53.439 --> 02:14:56.319 It's very hard to imagine that there was a clause 2565 02:14:56.359 --> 02:14:58.520 in there that if you didn't have a smoke alarm 2566 02:14:58.640 --> 02:15:00.720 up to date, that they can Who is who was 2567 02:15:00.760 --> 02:15:02.640 the insurance carrier? 2568 02:15:03.960 --> 02:15:07.600 You know, I'm not sure the name of the carrier. 2569 02:15:07.680 --> 02:15:09.960 They are out of another state. 2570 02:15:10.520 --> 02:15:14.640 Well, what about your individual what about your individual policy? 2571 02:15:16.359 --> 02:15:21.319 Well, in my own case, and I can't speak for others, 2572 02:15:21.439 --> 02:15:22.319 but let's. 2573 02:15:22.079 --> 02:15:24.479 Get her up in the morning. Tom, I want to 2574 02:15:24.520 --> 02:15:26.880 get you back on We got to talk about this issue, 2575 02:15:26.880 --> 02:15:29.279 and I'd like to get Matt's perspective on it as well. 2576 02:15:29.600 --> 02:15:31.359 And maybe you can give us the number of your 2577 02:15:31.359 --> 02:15:34.640 public adjuster. I'm Tom Martine. Don't forget your free insurance 2578 02:15:34.680 --> 02:15:37.920 check up with Compass Insurance Group and that's three h 2579 02:15:38.000 --> 02:15:41.399 three nine nine six nine thousand. Save all your problems 2580 02:15:41.439 --> 02:15:41.680 for me.