Speaker 1: Ripped up.
Speaker 2: News.
Speaker 1: You need advice, who you don't have? Come running to
Speaker 1: sustass as we can. Shooter's gonna help coming man, This is.
Speaker 3: The Troubleshooter Show. No Tom Martinez, you know here.
Speaker 4: Welcome to the show. Three oh three seven one three
Speaker 4: talks seven one three eight two five five. We have
Speaker 4: uh calls out the nose. We're gonna go right to
Speaker 4: the phone. Today is insurance. They have Brian Burns from
Speaker 4: Compass Insurance. We'll be talking about insurance, the smart things
Speaker 4: to do, the stupid things to do, what people are
Speaker 4: running into. Also, you know what to do with adults
Speaker 4: living in your home, what to do with children living
Speaker 4: in your home, what to do with new the with
Speaker 4: the condos and town homes. We got so much on
Speaker 4: the on the forefront here with insurance. And I believe
Speaker 4: I'm going to get Mark ups soon here on video.
Speaker 4: But I believe he's in the studio. Mark are you there? Yeah, yeah, gosh, okay,
Speaker 4: just time in. I'll send you that link in a minute.
Speaker 5: Here.
Speaker 4: I got behind. I'm sorry, April, April, what is going
Speaker 4: on with you? Let's start right out with you. April. Hello, Hey,
Speaker 4: what's happening?
Speaker 6: Oh well, we have a situation with a vehicle that
Speaker 6: I have a son that is now seventeen, almost eighteen,
Speaker 6: will be. He's in college right now doing the aviation
Speaker 6: program at Metro.
Speaker 4: Oh cool.
Speaker 6: This has been a two year battle that we don't like.
Speaker 4: Now, is it your son's car?
Speaker 5: It is?
Speaker 4: Okay? What kind of car?
Speaker 6: Well, it was a nineteen sixty five Carmen Ghia that
Speaker 6: his dad helped him to purchase two years ago.
Speaker 4: I had one of those. I had one of those.
Speaker 4: I love. Oh my god. It was orange, by the way,
Speaker 4: they of them were orange in that time. So what happened?
Speaker 6: Yeah, So we we purchased it knowing it was going
Speaker 6: to need work obviously a vehicle of that age.
Speaker 4: How long ago?
Speaker 6: Two over two years ago?
Speaker 4: Now, okay, and you were going to restore it?
Speaker 7: Correct?
Speaker 5: Correct?
Speaker 4: Okay?
Speaker 6: So we went to this shop they were recommended. I
Speaker 6: think my ex husband is actually kind of the one
Speaker 6: that did this. So I don't know how we ended
Speaker 6: up specifically at this shop, but they had promised all
Speaker 6: of this work to it.
Speaker 4: What shop did you take it to?
Speaker 6: Took a automotive in north wind and you don't know
Speaker 6: how they found it?
Speaker 4: Okay, Advanced automotive and what happened.
Speaker 6: They had told us that it needed a full engine
Speaker 6: swap because of the age of it, and likely a
Speaker 6: body swap that they were going to have to put
Speaker 6: it on.
Speaker 4: Then what did you there's nothing left of the car.
Speaker 4: They bought a frame. Wait wait wait, seriously, they needed
Speaker 4: to swap the body and the motor.
Speaker 8: That's the whole car.
Speaker 6: Well, the body needed to the body needed to go
Speaker 6: on a different frame. From my understanding, I'm not the
Speaker 6: most mechanically inclined I like I said, my ex husband
Speaker 6: is the one that kind of set this up. But
Speaker 6: they agreed to the work so that the car was
Speaker 6: purchased for around six thousand as is, and then we
Speaker 6: have paid this shop over ten thousand in the last
Speaker 6: two years with promises.
Speaker 4: Wait wait wait you spent how much you spent? How much?
Speaker 6: The original purchase of the car was about six thousand, right,
Speaker 6: and then the stop has been paid around ten thousand for.
Speaker 4: Wait wait wait wait, ken, you're sixteen thousand dollars in
Speaker 4: a sixty five carman Gia. Yes, that's now. Have they done? Wait?
Speaker 4: Have they done? Have they done any work?
Speaker 6: The engine slop was complete, but then when they got
Speaker 6: the engine slopped done. They said they decided against the
Speaker 6: new frame they were going to put it on.
Speaker 9: But now it.
Speaker 6: Supposedly has rhast problem. There's a whole list of new
Speaker 6: problems that they've now come up with, saying that it
Speaker 6: needs an excess.
Speaker 4: Of Okay, is your husband, is your ex around that
Speaker 4: we can talk to or your son?
Speaker 6: Us?
Speaker 10: My son?
Speaker 6: Yes, I'm driving right now, but I can get both
Speaker 6: of them. I can try to get them on the phone.
Speaker 4: All right, because really we'll try to help you, We
Speaker 4: really will.
Speaker 8: We have our.
Speaker 4: Deputies listening right now, but I'm going to put you
Speaker 4: on hold because we truly do need to know more
Speaker 4: about this. Okay, Now do you feel let me just
Speaker 4: ask you some gut questions. Do you think advanced automotive
Speaker 4: is trying to cheat you?
Speaker 6: Well, we're not sure. First, my son, he was in
Speaker 6: high school at the time. He gets straight a's, he's
Speaker 6: a good student. He worked two jobs to try to
Speaker 6: fund this fix of this car that was kind of
Speaker 6: his little dream fix up car because he wanted something
Speaker 6: as a young kid, unusual, and you know, he excited
Speaker 6: about finding this cop that was going to stand out
Speaker 6: from your typical Honda that a sixteen year old kid
Speaker 6: would drive, and he worked his butt off while still
Speaker 6: pulling great grades, paying his own money, working at Taco Bell.
Speaker 5: To do this, So, okay.
Speaker 6: Drug out for two years is problematic enough.
Speaker 4: But then well, well that's not unusual for this kind
Speaker 4: of a project.
Speaker 6: Yeah. So we get to the point that it's supposed
Speaker 6: to be done, and now they're saying it needs about
Speaker 6: fifty thousand dollars more of work.
Speaker 4: Wait, wait, you're not saying fifty as in five to
Speaker 4: Oh oh no, I am okay, wait a minute. Who
Speaker 4: are you working with.
Speaker 9: That advanced I'm the owner.
Speaker 6: Alex Kuba Suck or something like that is his name.
Speaker 4: Yeah, and I'm not assuming. I'm not assuming he's doing
Speaker 4: anything wrong. I don't have any I mean basically, you
Speaker 4: bought a car and you're replacing everyone for fifty grand.
Speaker 4: I mean, my god, almighty. You buy a brand new car.
Speaker 4: You all know that, right, You can buy a Tesla.
Speaker 6: Oh yeah, yeah, that's why when it came back with
Speaker 6: you know, the original ten thousand, we figure in older car.
Speaker 6: It's an investment. You know, you're going to spend the money.
Speaker 4: You might be able to sell what you have and
Speaker 4: at least recoup some of the money. Obviously, what is
Speaker 4: your son an ex inclined to do right now? Do
Speaker 4: you know?
Speaker 6: Well, so what they have offered us, and this is
Speaker 6: where it takes another weird turn. What they have offered.
Speaker 6: They've admitted now that they spit off more than they
Speaker 6: can chew.
Speaker 9: The scope is out of their work.
Speaker 6: And so this fifty thousand they're wanting us to spend,
Speaker 6: they would be sending it to a Volkswagen specialist.
Speaker 4: For fifty Come on, this is did no? Come on? Did? Okay?
Speaker 4: Am I hearing this right? I'm almost feeling like I'm
Speaker 4: in the Twilight Zone. I swear to God, there's something
Speaker 4: wrong here. There really is something totally wrong, totally wrong. Yeah,
Speaker 4: what I'm hearing is I mean, come on, it's just
Speaker 4: too crazy. I mean, fifty thousand? Do they think that
Speaker 4: you're crazy? All right? I want to talk to your son. Okay,
Speaker 4: let's hold on three h three seven or three talk
Speaker 4: Just wait, KITCHENA get a hold of get Maybe Mark
Speaker 4: can call the sun off the ear. I don't know, Mark,
Speaker 4: Is this the craziest story we've heard now for restoration?
Speaker 4: Yet here's something wrong with it?
Speaker 5: Man?
Speaker 1: Yeah?
Speaker 4: Okay, David's turn, David, what's going on? David?
Speaker 9: Hi, David, what's happening in a parking scam?
Speaker 5: Uh?
Speaker 4: What do you? What do you mean by a parking
Speaker 4: were you let me ask you this? Were you toad?
Speaker 11: No?
Speaker 10: I was not.
Speaker 4: Okay, tell me about it then go ahead?
Speaker 8: Okay.
Speaker 9: Several weeks back, I went to a restaurant on South
Speaker 9: Colorado Boulevard with a friend of mine. We sat there
Speaker 9: and talked for just a shade over three hours.
Speaker 4: Which restaurant it was?
Speaker 9: Actually the Kava Restaurant in South Colorado, got it and
Speaker 9: we left. We thought no more of it. Just yesterday
Speaker 9: I got a bill in the mail from a parking
Speaker 9: company they're called Parking Revenue Recovery Services, for eighty two
Speaker 9: dollars for parking in the parking lot of that restaurant.
Speaker 9: The problem is when we drove in there was no gate.
Speaker 9: Saying you know there was no gate? We didn't.
Speaker 4: Well, first of all, is it parking for the restaurant
Speaker 4: or not?
Speaker 10: Yes, it is.
Speaker 4: What's the restaurant called again, Kava?
Speaker 9: Tava?
Speaker 4: How do you spell it?
Speaker 11: C a va?
Speaker 4: Okaykava? Now you got a ticket, You got a ticket
Speaker 4: for parking there. Now, now what I want to know
Speaker 4: is this was it? It was the designated parking for
Speaker 4: the restaurant, right, yes it was. And I don't get
Speaker 4: this part. Why did you get a ticket for it?
Speaker 4: I don't get it. Were you supposed to put money somewhere?
Speaker 4: What were you supposed to do to not get a ticket?
Speaker 11: You were not?
Speaker 9: There was nowhere to put money. It turns out there
Speaker 9: was a QR code you could scan to pay electronically.
Speaker 4: Okay, Now, I've seen that before, where there's a little
Speaker 4: sign on the pole that says scan this blah blah blah.
Speaker 4: I've done this before, and Cherry created the same thing
Speaker 4: where yep, yep. Now are you claiming are you wait? Wait,
Speaker 4: are you claiming there is absolutely no way to pay?
Speaker 4: And they do this to everyone.
Speaker 9: No, there is a way to pay. I'm claiming the
Speaker 9: sign is so small that you're okay, aware.
Speaker 11: That you have got it?
Speaker 4: Okay, got it? Now. I don't think it's a scam.
Speaker 4: I think it's a scam. I don't think think. I
Speaker 4: think it kind of is. It's weird. Now here's what
Speaker 4: I want to know. First of all, let me explain
Speaker 4: a few things to you. Okay, this is nothing more
Speaker 4: than a collection notice from a private entity in order
Speaker 4: for you for them to collect a dime from you.
Speaker 4: They can't do anything to your license. They can't do
Speaker 4: anything to your car. They can't do anything. It is
Speaker 4: a private collection notice. I used to own parking lots
Speaker 4: and we would put up a notice. It looks a
Speaker 4: lot like a ticket. It's a private thing. They'd have
Speaker 4: to take you to court and get a judgment where
Speaker 4: you can tell your story and tell them to go
Speaker 4: shove it. Until then you can do that. They can't
Speaker 4: do anything to you. It's private, Okay, I mean, does
Speaker 4: that make sense? So I'm not telling you not to
Speaker 4: pay it. I'm telling you that if you feel it
Speaker 4: was not right, then you write them a letter saying
Speaker 4: you had no idea. You'd be happy to pay for
Speaker 4: what would have been the parking. You might do that,
Speaker 4: or you might ignore it altogether. Do they have a
Speaker 4: picture of your car in the lot?
Speaker 9: They have a picture of my car entering and leaving
Speaker 9: the lot.
Speaker 4: Okay, good? And what I would say now now, did
Speaker 4: you go back to the lot to see the QR code? Yes?
Speaker 9: I did?
Speaker 4: And and are you looking at it mark on Google Maps?
Speaker 4: If I know you. I I'm trying to find this Kava.
Speaker 4: I just Brian, did you look at it? Brian Burns
Speaker 4: here with compass and church? Were you looking at it? Brian?
Speaker 4: Did you? Did you find it? Dmitri? Did you see
Speaker 4: the sign anywhere?
Speaker 12: Just found their website and their address and I haven't
Speaker 12: been able to get an image of the of the street.
Speaker 4: All right, so tell me about the sign. How big
Speaker 4: is it? All?
Speaker 13: I see there is a five guys, a Zoe's Kitchen
Speaker 13: and red Wing. Is this the same place or what?
Speaker 9: No, it's not. It's almost directly across the street from
Speaker 9: Dave and Busters.
Speaker 13: Yeah, okay, Oh wait, is it the parking garage by
Speaker 13: Dave and Busters?
Speaker 9: A parking garage? It's a parking lot. It's the parking
Speaker 9: lot of a strip mall. This is in a strip mall,
Speaker 9: and it's just the normal parking lot of a strip mall.
Speaker 8: Is there a natural Grocer's there?
Speaker 9: I think there is?
Speaker 4: Yeah? Okay?
Speaker 12: Are you ninth in Colorado?
Speaker 9: No, it's actually about twentieth in Colorado. It's on the
Speaker 9: west side of Colorado at about twentieth Oh sorry, two
Speaker 9: zero something something. It's South Colorado. It's twenty blocks South Colorado.
Speaker 13: Well, I see, I see signs in this parking lot.
Speaker 13: And it's not just one. I see quite a few
Speaker 13: of them. What I don't understand is it says it
Speaker 13: looks like most of them are it's just for patrons.
Speaker 13: In other words, if you're there shopping, you should be
Speaker 13: able to park there.
Speaker 8: So I don't get it.
Speaker 4: Just look at man. Here's what I would do. I
Speaker 4: would take my if you feel confident about your argument.
Speaker 4: What by the way, there is no requirement for the
Speaker 4: size of sign except for the towing sign. There's a
Speaker 4: requirement for that side eyes. What I would do is
Speaker 4: is that that's the law that would probably apply, because
Speaker 4: they probably tell you you're subject to towing. Probably. But what
Speaker 4: you should do is do what I said, offer and
Speaker 4: then tell them to stick it unless you may lose.
Speaker 4: And you may lose because that sign does. I don't
Speaker 4: know how big is it, David, How big is the sign?
Speaker 9: Actually I went back and looked. The sign is about
Speaker 9: three feet by three feet wide. But the lettering on
Speaker 9: the sign is now an inch high.
Speaker 4: Wait wait, wait, now, come on, the lettering on the
Speaker 4: sign telling you to pay is one half inch.
Speaker 9: That is correct. I have David the sign to prove.
Speaker 4: It, send it to us, send us a picture.
Speaker 13: Oh, I see it. It's a big red sign. Correct, Yeah,
Speaker 13: I'm looking at it. I mean, wait a minute, is
Speaker 13: it a half inch letters? Come on, man, there're half
Speaker 13: inch letters.
Speaker 4: It's it. Come on, man, Marcus Well familiar with a
Speaker 4: half inch? Mark?
Speaker 5: Mark?
Speaker 4: A half inch? Really? Come on, it's pretty small man.
Speaker 9: Actually, if you'd like, I'll go back with a ruler.
Speaker 4: Okay, David, that David, because I would challenge it, Okay,
Speaker 4: I mean I would what would Mark? Wouldn't you think
Speaker 4: of half an inch? Would you? David?
Speaker 13: I wouldn't. I just wouldn't pay it. There's I wouldn't
Speaker 13: challenge it. I wouldn't do it.
Speaker 4: I want you to, David. I will take you literally,
Speaker 4: I will take your video and put it up for
Speaker 4: people to see. Would you can you get over there
Speaker 4: today before the show ends?
Speaker 5: Yes?
Speaker 9: I can.
Speaker 4: Okay, Kachina talk to him. I want to get that video,
Speaker 4: I swear to you. Hold on, I'm gonna mark this pending.
Speaker 4: This is crazy stuff we're dealing with today, and I
Speaker 4: am way over time, by the way. Oh my goodness,
Speaker 4: gracious me, oh my okay, So hang on Please, we
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Speaker 13: So there's free parking there, he said, the only time
Speaker 13: there'd ever be an issue if someone was parked there
Speaker 13: for a long period of time and weren't in the restaurant.
Speaker 13: So I don't think this has anything to do with
Speaker 13: signage being a half inch or whatever. I think it's
Speaker 13: got to do what the guy was there forever and
Speaker 13: it got towed.
Speaker 4: You really think so? Hum?
Speaker 14: Hm?
Speaker 5: Well?
Speaker 13: I called the restaurant. I said, you have free parking, No, I.
Speaker 4: Get you, I get you, And he said there was
Speaker 4: free parking. My god, absolutely free parking.
Speaker 13: Now if you're if you're parked in front of us
Speaker 13: for ever and you're not here, the landlord might tow it,
Speaker 13: but we wouldn't toe it.
Speaker 1: Gosh.
Speaker 4: I I I just am baffled by this whole thing.
Speaker 4: I just am. I'm baffled. But anyway, three oh three
Speaker 4: seven one three talk three O three seven one three
Speaker 4: eight two five five Mark, I just sent the uh
Speaker 4: the zoom link so you can join us on YouTube,
Speaker 4: and I sent it to help into you two and
Speaker 4: so let's keep going here. Three oh three seven one
Speaker 4: three talk seven one three eight two five to five.
Speaker 4: I went, I guess he's going out to get the
Speaker 4: sign though, because no matter what he'll need that. Let's
Speaker 4: talk to Sue about a construction company. Sue, what's going
Speaker 4: on with you? Sue? You good? What's happening to me?
Speaker 6: Yeah, so you talked to us a while ago.
Speaker 2: This has been an ongoing issue. I live here in
Speaker 2: Westminster at yacht club one.
Speaker 4: How long ago did I talk to you about this?
Speaker 15: Probably almost a year ago?
Speaker 4: Yeah, yeah, yeah, it was a long time.
Speaker 2: Yeah.
Speaker 4: I remember something about the yacht club. I do, So
Speaker 4: tell me what's going on.
Speaker 2: So it's been ongoing. We have one hundred and fifty
Speaker 2: one units, and some of them I will say rental,
Speaker 2: but you know, the owners are fully aware of this.
Speaker 2: So twenty seventeen there was a hailstorm, so.
Speaker 4: We have I'm gonna I'm going to bring up my
Speaker 4: expert here too. I'm going to go to watch it. Am.
Speaker 13: I to understand there's a yacht club in Westminster.
Speaker 4: Yeah, okay, it's fun.
Speaker 2: Oh and we're pretty blessed as a It's called Hidden
Speaker 2: Lake sixty ninth in Sheridan.
Speaker 4: It's okay, I know I know about it. Yeah, So
Speaker 4: tell me what the issue is now. So you have
Speaker 4: one hundred and sixty one units and there was a hailstorm.
Speaker 4: The hailstorm was.
Speaker 2: When twenty seventeen.
Speaker 4: Okay, so what's going on now?
Speaker 2: So we won the litigation. It took years.
Speaker 4: Why was their litigation that part? You got to tell
Speaker 4: me now?
Speaker 6: Why, I'll tell you.
Speaker 2: When I bought the house, I didn't even know that
Speaker 2: we would.
Speaker 4: What was the litigation for the hailstorm?
Speaker 2: Yeah, regarding the repair the roofs so siding.
Speaker 4: Okay, Well, what I mean is who were you? Who
Speaker 4: was the HOA suing.
Speaker 2: The insurance company? Why for funding? Allocations of funding? How
Speaker 2: much money we were to delop to get allocations for
Speaker 2: the repairs?
Speaker 4: In other words, the the it was almost a bad
Speaker 4: faith lawsuit because your your insurance was turning down and what.
Speaker 2: Well, that wasn't the issue. We won that case. Yes,
Speaker 2: that was the issue. We won the amount of the
Speaker 2: money that we.
Speaker 4: Need, Okay, Okay, that's always is.
Speaker 2: We won that. So we had got eight point four
Speaker 2: million dollars, We have that in our We have that
Speaker 2: have or had that money in our HOA?
Speaker 4: Got it find.
Speaker 2: Okay, moving on, We won that. We We were very
Speaker 2: happy about that. He had a board and the board
Speaker 2: we had some people that have been in the.
Speaker 6: Board for quite a while.
Speaker 5: Yeah, and I.
Speaker 2: Don't really want to say the names.
Speaker 4: Did they all take vacations?
Speaker 2: Oh that's exactly it.
Speaker 4: Oh no, wait wait, Sue, Sue, wait wait wait wait
Speaker 4: wait wait wait wait you're not kidding, right, are you
Speaker 4: saying they took the money?
Speaker 2: I'm on my soul? So let me tell you.
Speaker 4: I'm going to no no, wait, wait, where's the eight
Speaker 4: point Hold on? I just have to ask a few questions.
Speaker 4: Where's the eight point four million?
Speaker 2: Okay?
Speaker 4: So wait, no, can you is it there?
Speaker 2: No? We can't find it. So according to.
Speaker 4: Our oh my god. Now, now here's what's funny, Mark,
Speaker 4: as you know Mark, because it's happened to us how
Speaker 4: many times in forty five years. What's going to happen
Speaker 4: is you're going to see this now on TV and
Speaker 4: then if some TV reporter is going to claim that
Speaker 4: he uncovered this. So I want everyone to know, well
Speaker 4: if she ever gets to what happened to it?
Speaker 5: All?
Speaker 4: Right, hold on, I gotta take a break. I want
Speaker 4: to I want to hear this story, I promise you,
Speaker 4: but I want to give you more time. I'm Tom Martino.
Speaker 4: Eight million missing or four wait whatever it's missing? Come on? Three?
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Speaker 4: You'll think you're his only customer when you choose Frank
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Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hey, Tom Martine, I got to go
Speaker 4: back to sue now. According to her, there was an
Speaker 4: insurance lawsuit the HOA was awarded eight point four million
Speaker 4: dollars and it probably if they if it happened in
Speaker 4: twenty seventeen, the money was probably awarded in eighteen. Who knows,
Speaker 4: but that's like nineteen twenty one, six years ago, Sue,
Speaker 4: I need to ask. I know you want to tell
Speaker 4: a story, but I need to ask for you. Is
Speaker 4: the money actually missing?
Speaker 2: So this is what happened. Okay.
Speaker 16: Now, as far as our visit statue, and it's called
Speaker 16: h like in Harry be Is in Bill twelve Best
Speaker 16: twelve thirty seven, it states that they have to give
Speaker 16: us all of our financials as in the HOA.
Speaker 4: Yeah, okay, what is that? I just now? Okay, keep going,
Speaker 4: keep going. I'm never going to get an answer from
Speaker 4: you if the money is in the bank or not.
Speaker 2: No, it's not, it's not. They will not show us anything.
Speaker 4: Well, then hold on, hold on. There's a difference between
Speaker 4: they won't show you and it's not there. I need
Speaker 4: to know, did anyone verify the money is missing?
Speaker 5: Okay?
Speaker 2: So the to the Vice president, we do, we do not.
Speaker 2: We cannot see it. They are not allowing us.
Speaker 4: So I'm going to ask this one more. I'm going
Speaker 4: to ask this one more time, so it has anyone
Speaker 4: verified it is missing.
Speaker 2: Yes, we cannot see it. We are not allowed.
Speaker 4: Okay, Sue, Sue, hold on, Sue, you can't see my
Speaker 4: money and it's not missing.
Speaker 2: It's missing.
Speaker 4: Now how do you know? How do you know it's missing.
Speaker 2: Us residents of the community, the home owners. It's gone.
Speaker 2: We can't see it.
Speaker 4: Okay, meaning what what does that mean? Did you go
Speaker 4: to the bank and the bank said the money is
Speaker 4: not here?
Speaker 5: Okay?
Speaker 2: They will not share financial records about the millions in renovations.
Speaker 4: Okay. Hold on now, So since twenty seventeen, has any
Speaker 4: repairs taken place? Have any repairs taken place?
Speaker 6: All?
Speaker 2: Yes, they have?
Speaker 4: Okay, now hold on, hold on during from twenty seventeen
Speaker 4: till now. Please, I don't want exaggeration or hyperbally or accusations,
Speaker 4: although they all may be true. Trust me, Sue. I
Speaker 4: want to help you, but first I need to know
Speaker 4: this hold on, what major renovations since that twenty seventeen
Speaker 4: lawsuit have been done. Just give me a list of
Speaker 4: what has been done.
Speaker 2: I'll start with the roof, the gutters, the the walls,
Speaker 2: you know, the privacy walls, and the shiding.
Speaker 4: Now now, hold on, so are you are you saying
Speaker 4: that the roof, the gutter, the walls and the siding
Speaker 4: cost zero and the whole eight point four should still
Speaker 4: be in the bank.
Speaker 2: I will rephrase it. They have been done. The financial
Speaker 2: statements haven't been up.
Speaker 4: To par because.
Speaker 2: The materials were poor.
Speaker 13: Materials were from stolen money and vacations too, you know, Sue.
Speaker 4: I want to I want to know something. Are you part?
Speaker 4: Did you guys all go to a meeting and demand information?
Speaker 5: Oh?
Speaker 2: Most definitely?
Speaker 4: And what how many of you? How many of you?
Speaker 6: I have, well some of them?
Speaker 4: Are how many of you? I'm not going to go
Speaker 4: on until you answer one question directly? How many residents
Speaker 4: have been questioning the board at meetings.
Speaker 2: On March twenty seventh through? We're thirty two?
Speaker 4: Okay?
Speaker 2: Yeah?
Speaker 6: I have ok now written down.
Speaker 4: I want to know this again. Are they literally refusing?
Speaker 4: Now before you answer, listen to the whole question. Are
Speaker 4: they literally refusing to show you financials? Or do you
Speaker 4: simply disagree with what they're showing you?
Speaker 2: They are refusing so they.
Speaker 4: Have not shown you anything?
Speaker 10: Nopegerating?
Speaker 4: Okay, So who represents the h A board members? Do
Speaker 4: you want names, Yes, who represents them?
Speaker 2: Julie McLain and Larry J.
Speaker 13: I R.
Speaker 2: And they will not I'm just reading a fly.
Speaker 4: Are they attorneys? Are they attorneys?
Speaker 13: No?
Speaker 4: Do you realize? Okay? First of all, okay, I don't
Speaker 4: understand when you say they will not show you financials.
Speaker 4: So why don't you get a petition to house those
Speaker 4: board members?
Speaker 6: We did, and we have it.
Speaker 4: How many signatures do you have?
Speaker 5: We have the.
Speaker 2: One hundred and fifty, We have the percentage to boost
Speaker 2: them out.
Speaker 4: When are you going to do it?
Speaker 2: Well in January? First, we are supposed to have the
Speaker 2: whole new board member. I'm not on the board. My
Speaker 2: neighbor is. So this lady that's been on the board
Speaker 2: for multiple years think she can kick him off. I
Speaker 2: don't know, you know the of being on the HOA.
Speaker 4: But here's what I want to know, Sue. Why don't
Speaker 4: the people that sign that petition, if they each if
Speaker 4: they each chipped in just one hundred dollars, they can
Speaker 4: retain an attorney to look into this.
Speaker 2: I have one, Actually, well, did.
Speaker 4: You hire him?
Speaker 2: We're doing the steps we want, but we want the
Speaker 2: news to do this because we do not want other
Speaker 2: people to deal with this.
Speaker 4: Well, I know, but you have to do it through
Speaker 4: the courts. I'm going to look into it. But I
Speaker 4: don't think the money is missing. I think they've used
Speaker 4: the money for a lot of this. They might have
Speaker 4: some left. I just don't know why they're not sharing it.
Speaker 4: In other words, I need to know.
Speaker 2: Yes, one one man, and I don't even want to
Speaker 2: say gentlemen, is suing us. And he moved into a
Speaker 2: nine hundred thousand dollars home.
Speaker 13: Now what do you mean, He's, Sue Hells a nice
Speaker 13: hundred thousand dollars home.
Speaker 4: The average is six hundred thousands.
Speaker 2: It's an eerie Okay, So.
Speaker 4: What are you saying? He was on the board. He
Speaker 4: was on the board, and he took money and left, yep, and.
Speaker 2: He tried to run. Can I tell you the name
Speaker 2: of the construction company? Because this guy didn't even know
Speaker 2: how to run a construction company. I have one hundred
Speaker 2: and eighty pitchers of falsified the job. They were trying
Speaker 2: to pour cement over rotted wood.
Speaker 4: Okay, listen, Sue, you were either a genius or a nut.
Speaker 4: There's no in between here. So you are you claiming
Speaker 4: that the current HOA stole the money.
Speaker 2: I'm not saying all of it, but they were in part.
Speaker 2: Instead of getting goodwood, they got third class and this
Speaker 2: guy and this.
Speaker 4: So you're saying, hold on, are you saying though they
Speaker 4: dummied up the bills so they could keep some of them,
Speaker 4: so they exaggerated the bills.
Speaker 2: You think most definitely he paid himself. He sat out
Speaker 2: here in a forget Wait wait, wait, who is he?
Speaker 4: Is he? Hold on? Is he the contract? Just wait, Sue,
Speaker 4: please wait for the question. The person you're talking about.
Speaker 4: Was he the one hired to do the work or
Speaker 4: was he an HOA member HOI member?
Speaker 2: And he owned a private construction company?
Speaker 4: And was that construction company the one to do the repairs?
Speaker 2: Yes, he hired him.
Speaker 4: Wait, so he hired himself to do the repairs.
Speaker 2: She hired Blue Spruce without any of us.
Speaker 4: Okay, I'm asking again, does he own or is he
Speaker 4: part of the construction company?
Speaker 2: No, she found the company he found.
Speaker 4: Do you think he's getting kickbacks from this company?
Speaker 2: Most definitely did Blues.
Speaker 4: Well, you know you better. You know you're on the
Speaker 4: air saying this, by the way, and you're subject to
Speaker 4: a lawsuit. Okay, Now, Blue Spruce. Did they do all
Speaker 4: of the repairs or they just do some of them?
Speaker 2: They subcontracted to some people, Okay.
Speaker 4: I understand, but they were in charge of the whole project. Correct, Okay,
Speaker 4: Hold on a second, Okay, I need to take a break.
Speaker 4: We are going to look into this. Okay. In fact,
Speaker 4: I'm gonna I really mean this sincerely, I'm gonna have
Speaker 4: someone contact you off the air and sue this is
Speaker 4: not an insult to you. But we also need to
Speaker 4: talk to other people involved, not just you. Okay, do
Speaker 4: you think you can give us the names of other
Speaker 4: concerned citizens? There? Did she hang up?
Speaker 12: No?
Speaker 2: I'm right here, I just did.
Speaker 4: Okay, she's on hold good, hold on, Katschina. I want
Speaker 4: to give this to d right here. Please hang on.
Speaker 4: We got more coming up on the Troubleshooter Show. Go
Speaker 4: with a sure Thing Denver's Best Roofer Excel roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: to one. Help you'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino, you're
Speaker 4: a troubleshooter. Three O three seven one three talk seven
Speaker 4: one three eight two five five. Okay, So Troy has
Speaker 4: an issue with Frontier Airlines and uh we still have
Speaker 4: an insurance expert here. Of course you hear Brian Burns
Speaker 4: Compass Insurance Group. This this whole thing has has me crazy,
Speaker 4: This hoa thing. Things going on with that Mark.
Speaker 13: I have no idea, but I don't like how it
Speaker 13: started out. They absconded with the money and went on vacation.
Speaker 13: Then they're buying million dollar homes. I don't see any
Speaker 13: proof of that. We don't see anything. Something's wrong. I
Speaker 13: don't understand why they don't share the books that should
Speaker 13: be done. It looks like you're going through the proper
Speaker 13: sequence too, in order to kick these people out.
Speaker 4: Yeah, okay, now we're now and Deputy D's talking to her. Now,
Speaker 4: let's talk to Troy. Troy, what's going on with Frontier?
Speaker 11: Hey, good morning, Tom, Thank you for saying Troy. Yeah,
Speaker 11: it's interesting because on Sunday I was flying out from
Speaker 11: Dimmer to Little Rock to go visit my daughter grandkids,
Speaker 11: who was gonna throw me my party for me for
Speaker 11: my sixtieth birthday when I turned sixty. On the fourth,
Speaker 11: we had flights on Frontier. We went to the airport well,
Speaker 11: flight was delayed, but when we started the board, we
Speaker 11: were asked to go out on the tarmac and there
Speaker 11: was a three tier ramps smoked ramp to get onto
Speaker 11: the plane. There were three passengers that were on had
Speaker 11: wheelchairs and the first two were put on the plane,
Speaker 11: went up the ramp and buy an attendant of Frontier.
Speaker 11: The third lady in the wheelchair had a friend with her.
Speaker 11: They started to go up the ramp and I noticed
Speaker 11: that she was struggling and.
Speaker 4: All right, you hold on. I want to come back
Speaker 4: to you. I want to hear this story. Please don't
Speaker 4: go anywhere. I'm Tom Martina. We have more coming up.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup, free no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three all three seven seven
Speaker 4: to one help you'll think are his only customer when
Speaker 4: you choose Frank durand the real estate man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two.
Speaker 1: Ripped of new need advice, So you don't help come
Speaker 1: running just as fast as can. Shooter's gonna help. Come man,
Speaker 1: This is.
Speaker 3: The Troubleshooter Show. Now Tom Martinez, Hi.
Speaker 4: Tom Martin here, Welcome to the show. Three oh three
Speaker 4: seven one three talks seven one three eight two five
Speaker 4: five Here to help you solve problems, answer questions, take complaints,
Speaker 4: make your life just a little easier here, and we
Speaker 4: have a lot going on. We have, of course Brian
Speaker 4: Burns here the Insurance Health Center. You can always get
Speaker 4: your quotes at three oh three nine nine six nine
Speaker 4: thousand on Well, it's not just a quote, it's a
Speaker 4: review of what you have and if you have a
Speaker 4: great deal, they're going to honestly let you know. We've
Speaker 4: been very busy this morning. We have to go back
Speaker 4: to the phones. This issue with Frontier Airlines. Troy was
Speaker 4: telling us that he was boarding a plane. There was
Speaker 4: a three level ramp to board the plane. There were
Speaker 4: three people in three passengers and wheelchairs. Continue your story, Troy,
Speaker 4: What was going on then?
Speaker 11: All right? Thanks Tom? Yeah, the main purpose is that
Speaker 11: I was removed from the air the airline that day
Speaker 11: for I didn't know.
Speaker 4: Hold on, how did that happen? I mean you you
Speaker 4: talked about, well, how did that have?
Speaker 13: Talked about three people in wheelchairs going up a ramp.
Speaker 13: Two of them got it, and.
Speaker 4: Now you were removed from the flight. Why were you
Speaker 4: removed from the flight? For goodness sakes?
Speaker 11: Because when I noticed that the third person in the
Speaker 11: wheelchair needed assistance, I went up to the gentleman and said,
Speaker 11: are you not going to help this lading and go
Speaker 11: up to the ram, I said I, And he gave
Speaker 11: motion that I could help her. So I went and
Speaker 11: I took over the wheelchair and I pushed it up
Speaker 11: the ramp. When I got to the entrance of the
Speaker 11: door of the airplane, there were two flight attendants just
Speaker 11: standing inside. They did not recognize that we've got there yet.
Speaker 11: So I tilted the wheelchair back at an angle and
Speaker 11: got the front wheels up into the airplane. I started
Speaker 11: to push it into the plane and I got the
Speaker 11: rear wheels to the small, little six inch ramp. The
Speaker 11: flight attendant then noticed.
Speaker 5: That I was there.
Speaker 11: She walked up in front of the wheelchair and said, sir,
Speaker 11: we can't have the wheelchair come into the into the airplane.
Speaker 11: And I said, well, here, let me just get it
Speaker 11: up level and we can get her out. So I
Speaker 11: picked up the rear of the wheelchair and pushed it
Speaker 11: in another six inches. The wheelchair was level. I helped
Speaker 11: the lady get out of the wheelchair. She stood there
Speaker 11: with her hand on the wall. I removed the wheelchair
Speaker 11: from the airplane. Her friend and her thanked me very much.
Speaker 11: I took the wheelchair down the ramp. When I came out,
Speaker 11: all of the passengers applauded this started copying they did.
Speaker 11: They then allowed us to board the plane. We got
Speaker 11: on the plane. We were sitting on the plane for
Speaker 11: at least thirty minutes with the door not being closed,
Speaker 11: and the staff was up front have being conversation, and
Speaker 11: we knew something was going on. And shortly after I
Speaker 11: thought that they started to talk about me, because I
Speaker 11: saw him pointing at me a couple times. And after
Speaker 11: forty five minutes of delay, one of the supervisors customer
Speaker 11: service walked up to me and said, sir, do you
Speaker 11: have a bag? I need you to talk to you.
Speaker 11: Off the plane. I was traveling with my girlfriend.
Speaker 4: Now, let me ask you something, Troy. Troy, Yeah, I
Speaker 4: understand you're telling me your story. But did you say
Speaker 4: or do anything out of frustration or anger or anything? Now,
Speaker 4: now we all remember story about Terrell Davis being kicked
Speaker 4: off a plane for nothing. I mean, did they was
Speaker 4: there anything that they mistook for aggression or frustration or anger? Okay?
Speaker 11: So since I did not know why I was getting
Speaker 11: removed off the plane. Once I did get off the plane,
Speaker 11: I was told that the flight attendant said that I
Speaker 11: rammed her with the wheelchair.
Speaker 4: Okay, so there was there was a reason. And again,
Speaker 4: like they said, like Terrell Davis was accused on another
Speaker 4: airline of of of attacking someone. I can these these
Speaker 4: flight attendants are overly sensitive. I swear to God they
Speaker 4: are so so they basically punished you. Correct.
Speaker 11: Yeah, So what was so interesting is that if me
Speaker 11: hitting her or ramming her with the wheelchair, it had
Speaker 11: to be at that moment when I lifted the wheelchair up.
Speaker 4: I get it.
Speaker 11: Yeah, And so when we were getting off, I didn't
Speaker 11: want to go off in handcuffs, so I most definitely
Speaker 11: did not say anything. All I said was that when
Speaker 11: I stood up to grab my bag, I turned to
Speaker 11: the passengers and I said, I apologize for this delay.
Speaker 11: Didn't realize I said to the lady that I helped
Speaker 11: in the wheelchair. I hope you can help explain this,
Speaker 11: you know, because she's I think there's two sides.
Speaker 4: I understand. No, Troy, you don't sound like a nuts.
Speaker 4: So what happened then?
Speaker 11: So we went ahead and exit the plane. When we
Speaker 11: got down by the ticket area, the customer service was
Speaker 11: explaining to me the reason, and she said that the
Speaker 11: flight attendant accused me of hitting her with the wheelchair,
Speaker 11: and she felt unsafe for me to travel on the plane.
Speaker 4: This is the Terrell Davis story all over again, all
Speaker 4: over again.
Speaker 11: I never had two words with this lady other than
Speaker 11: can I you know too, Let's get this lady.
Speaker 4: Troy, I believe you. So what happened? Since then?
Speaker 11: Since then I filed a couple of complaints. I have
Speaker 11: received a couple of letters from Frontier, and in my opinion,
Speaker 11: the letter. Most definitely references you know that there was
Speaker 11: obviously the issue.
Speaker 4: Did you ever get the name you need the woman
Speaker 4: you were pushing? Was she aware? Was she alert? Could
Speaker 4: she say he never intentionally touched her or rammed her
Speaker 4: or anything?
Speaker 11: Yes, most definitely tell him that's what I mean.
Speaker 4: Do you have her name and number? Sir? Yeah?
Speaker 11: No, I never got it because they just made me
Speaker 11: exit the plane. I wish I have reached out, and.
Speaker 4: I don't know what you can do about it at
Speaker 4: this point. Does anyone have any suggestion?
Speaker 13: Well, did you get a refund? Did you get on
Speaker 13: another plane? What happened in that aspect?
Speaker 11: They did said that they could refund us and that
Speaker 11: they could get us on the next flight, But the
Speaker 11: next flight they only do it on Sundays and Thursdays.
Speaker 8: And did you get another flo.
Speaker 13: We did not, because I would have got another flight
Speaker 13: then I would assume him.
Speaker 11: So I'm looking for legal counsel advice right now.
Speaker 8: We also know that you don't need legal counsel.
Speaker 4: What you need is a damage.
Speaker 8: I don't know what your damage is.
Speaker 13: You didn't you didn't end up going they gave you
Speaker 13: a refund, You didn't buy another flight that was more expensive.
Speaker 13: Did you cancel a hotel? Did something happen where you
Speaker 13: lost money?
Speaker 4: Yes?
Speaker 8: Yes, that I would assume him.
Speaker 13: For whatever that is in small claim score. You don't
Speaker 13: need an attorney. It sounds like it's under seventy five
Speaker 13: hundred bucks and if it's valid, I would agree with you, right.
Speaker 11: I think, I think Tom. The issue that I have
Speaker 11: is I have two Frontier employees that are basically not
Speaker 11: telling the true story. They said that they asked the
Speaker 11: lady if she needed help, And there is on a
Speaker 11: Reddit response that has now five and response the gentleman
Speaker 11: rights On there he says, the craziest thing happened on
Speaker 11: the flight today. A man was requested to removed from
Speaker 11: the thing for helping a lady in a wheelchair.
Speaker 13: And the stories wonderful and all I'm telling you just
Speaker 13: sue them. Just sue them in small claims court for
Speaker 13: whatever the actual damages are. And if if they're true
Speaker 13: damages and you missed a hotel where you have money
Speaker 13: out of pocket, they'll probably show up and pay for it.
Speaker 11: Okay, Yeah, I think probably the damage is just me
Speaker 11: not getting the ability to go see my granddaughter who
Speaker 11: was sawing me a birthday party, and we would have
Speaker 11: had to buy flights on another airline. And I'm an
Speaker 11: elite member for a Frontier and so I was using
Speaker 11: miles to get there. And so yes, they afterwards yesterday
Speaker 11: and they're on my complaint.
Speaker 8: Roy, I get all that.
Speaker 13: Unfortunately, with small claims court, you're not going to sue
Speaker 13: for missing your birthday party. Your granddaughter was throwing you.
Speaker 13: But if you had a hotel there, if you had
Speaker 13: a rental car, if you truly lost money, or if
Speaker 13: you did buy another ticket, which we already know you
Speaker 13: didn't and did have additional expenses, that would be valid too.
Speaker 13: But you don't have any of that. Sure it does suck, though,
Speaker 13: if you don't know how to fly Frontier.
Speaker 4: It's hard, man, It's really hard.
Speaker 8: I hate.
Speaker 4: But it's not just Frontier. The airlines are getting crazy.
Speaker 8: Yeah, I agree.
Speaker 13: They you know, they kind of became like Nazis over
Speaker 13: a COVID, you know they, I mean really they've become
Speaker 13: I hate throwing that word around. I'm going to take
Speaker 13: that back. They become very hard to deal with since COVID.
Speaker 8: It seems.
Speaker 4: I don't know, man, it's weird. I mean, she didn't
Speaker 4: feel safe with you there, Troy. Were you grumping? Were
Speaker 4: you yelling? Were you causing a scene?
Speaker 11: Not at all, Not at all in that.
Speaker 8: That's the thing.
Speaker 11: If you read the Reddit responses, the customers were blown away.
Speaker 11: They said, this man helped his lady in a wheelchair
Speaker 11: and now he's getting kicked.
Speaker 4: I would I would post and post and post as
Speaker 4: much as I could. I would have gotten the name
Speaker 4: of the lady and I would have you know because
Speaker 4: you needed some witnesses on that flight. What flight number
Speaker 4: was it? And really we should we should put the
Speaker 4: word out in case someone is listening. Weirder things have
Speaker 4: happened on the show.
Speaker 11: Yeah, it was a Frontier flight F nine four seven
Speaker 11: seven six leaving from Denver to Little Rock at two
Speaker 11: point thirty on Sunday.
Speaker 4: It actually on Frontier flight F nine four seven seven six,
Speaker 4: And it was leaving departing for Little.
Speaker 11: Rock YEP when partying Denver, going too Little rock.
Speaker 4: YEP departing four Little Rock.
Speaker 11: Win at two thirty DM, and it wouldn't leave until
Speaker 11: four forty. It was the way two hours and ten minutestosa.
Speaker 4: And it was on Sunday afternoon. Yes, it was this
Speaker 4: just this past Sunday. Yep, Hey, Mark, you've done this before.
Speaker 4: How do you serve Frontier? You know how to do that?
Speaker 13: Yeah, you just look at Yeah you you serve them
Speaker 13: in Littleton to be precise.
Speaker 4: But yeah, well you did lose something, did you? When
Speaker 4: did you end up going or did you skip the
Speaker 4: whole trip?
Speaker 11: You skipped the whole trip just due to that. We
Speaker 11: weren't willing financially and everything to want to buy new
Speaker 11: tickets because I didn't know if I'd ever get refund.
Speaker 4: So then did you? Oh you did get a refund though, Well.
Speaker 11: The thing is a Frontier only flies on Sundays and
Speaker 11: Thursdays to Little Rock, and so they offered.
Speaker 4: But you, but you did get a refund.
Speaker 11: In the letter they said that they would refund my
Speaker 11: forty thousand miles And yes, okay, so I did get
Speaker 11: that refund.
Speaker 4: Yeah, then you'll sign a release, I assured. All right, listen,
Speaker 4: And I think it sucks. I'm sorry it happened to you,
Speaker 4: and I wish week. I don't think it's just uh,
Speaker 4: I don't think it's just Frontier Airlines. Look what happened
Speaker 4: with Terrell Davis, wasn't it Terrell Davis? Right, yes on Frontier.
Speaker 4: I'm excuse me, United, it was terrible. Did you hear
Speaker 4: the story Mark, Yeah?
Speaker 13: I did.
Speaker 4: I just don't remember what airline? Yeah it was United
Speaker 4: and uh anyway, we have more coming up on the
Speaker 4: Troubleshooter Show three oh three seven one three A two
Speaker 4: five five. You know this whole thing, man, people are
Speaker 4: getting crazy by the way, Denverregen dot com. Yes, my
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Speaker 4: com with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the Real Estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 4: your troubleshooter. Three O three seven one three talk seven
Speaker 4: one three eight two five five. All right, let's uh
Speaker 4: talk here Ron. Now this is a big follow up.
Speaker 4: This thing sucks. Is Bo around to talk about this?
Speaker 4: And he is not here today, Sir, I don't know
Speaker 4: if he's listening. Here's what happened. Ron has had a
Speaker 4: leak in his ceiling in his apartment and it was
Speaker 4: coming from a heat exchanger in the ceiling. They claim
Speaker 4: that it froze up because of his air conditioner and
Speaker 4: he tried to make his place too cool.
Speaker 13: Yeah, he dropped a temp on the thermostat too much
Speaker 13: and it froze the.
Speaker 4: Unit, which leaked hot water. And then it's just a
Speaker 4: long story. Bo says, there's no way in hell he
Speaker 4: was responsible for that. Bo, by the way, for years
Speaker 4: and years and years and years and years, was in
Speaker 4: the HVAC system and the supply system and the whole life. Yeah,
Speaker 4: he knows all about it. He went out there and
Speaker 4: looked at it. But they're still charging him for damages
Speaker 4: they were charging Ron. So, Ron, what is the follow
Speaker 4: up that you have? We told you, you have an
Speaker 4: expert defy them. What's going on on now?
Speaker 17: Oh yeah, I try to contact Bo, but I hadn't
Speaker 17: hurt her back. But I tried to pay the rent
Speaker 17: Thursday and she refuses. She returned it and said I
Speaker 17: have to pay the damages along with the rent.
Speaker 13: Well, here's the deal. We already talked to Brad O'Brien
Speaker 13: on this.
Speaker 4: What did he say, Mark, I'm looking up the colt
Speaker 4: go ahead.
Speaker 13: It's pretty straightforward. He's going to have his time in court.
Speaker 13: If they're actually not going to take his money, you
Speaker 13: need to make sure not to spend that money like
Speaker 13: a lot of people do. And then if they actually
Speaker 13: post the eviction notice, you show up to court and
Speaker 13: that's where you will have your time to fight the eviction.
Speaker 4: And in fact, I thought Brad said you had. Brad said,
Speaker 4: you probably have a really good chance of prevailing.
Speaker 13: Really really good chance if everything you're telling us is correct,
Speaker 13: and Bo would be happy to go with you.
Speaker 9: Okay, that's all I needed to know.
Speaker 4: So here's what I want you to do.
Speaker 8: But don't mark money.
Speaker 4: Mark said truer words than if we're ever spoken here.
Speaker 4: Most people when they withhold or when rent's not accepted,
Speaker 4: or they withhold they spend it. You want to show
Speaker 4: the judge a cashier's check for every dime you owe
Speaker 4: the day you show up and said your honor. They
Speaker 4: were trying to evict me for not paying damages. I
Speaker 4: am not responsible for those damages. It was in a
Speaker 4: unit in the ceiling. You'd be very simple. Remember, the
Speaker 4: one who wins is the one who explains their their
Speaker 4: their explains it better. And you'll have an expert with you.
Speaker 4: So if they have an expert saying he calls the
Speaker 4: damage bo is very convincing.
Speaker 17: I'm telling you right, Okay, sound good?
Speaker 13: What the hell was that?
Speaker 4: I didn't do it? I didn't touch anything, Shannon?
Speaker 18: Was that you?
Speaker 4: Shannon? All right? I have a question for Brian Burns
Speaker 4: from Compass. Let me get to my way chat here
Speaker 4: and then okay, so listen, Brian. They want to know
Speaker 4: what do you recommend now? Because we've talked about ACV policies.
Speaker 4: Their condo development has an ACV policy. This person's afraid
Speaker 4: of being socked with big giant bills. What do they
Speaker 4: do to ensure themselves?
Speaker 14: Okay, so on their condo policy, also called an HO
Speaker 14: six policy, make sure you have coverage for loss assessments.
Speaker 14: But that's not even good enough. So first of all,
Speaker 14: for loss assessments, I would carry as high as you
Speaker 14: can go. A lot of carriers will go up to
Speaker 14: fifty thousand, and it's not very expensive right now, at
Speaker 14: least to get that coverage. But then you need to
Speaker 14: read the policy and make sure they don't have a
Speaker 14: limitation if it's as of the result of an HOA deductible.
Speaker 8: There's language in a lot now.
Speaker 4: I explain that, okay, So if you get loss assessment coverage, yep,
Speaker 4: you want to make sure the policy covers the assessments
Speaker 4: for deductibles.
Speaker 14: For an HOA deductible, and they have some of them,
Speaker 14: don't There's language in there that you might on your
Speaker 14: declaration page have a fifty thousand dollars limit for loss assessment,
Speaker 14: but if you read the policy, it says we'll only
Speaker 14: cover up to five thousand if it's the result of
Speaker 14: an HOA deductible.
Speaker 4: Then when would they cover fifty?
Speaker 14: To me, there's very little chance they're ever going out
Speaker 14: to pay the fifty in that case, because I guess
Speaker 14: if the HOA, if the policy doesn't cover it all together,
Speaker 14: In other words, if it's not covered there and it's
Speaker 14: falling to you and it's a covered peril, I guess
Speaker 14: you would. But majority of losses are going to be
Speaker 14: because of the HOA deductible.
Speaker 4: That's very interesting. So you have to make sure you
Speaker 4: have the type of loss assessment coverage that does cover
Speaker 4: you for deductibles.
Speaker 8: For the HOA deductor for the whole amount.
Speaker 4: And of course if you don't have insurance, loss assessment
Speaker 4: coverage will cover your assessment. If if it's a covered peril,
Speaker 4: you got to really be careful. The easiest thing is
Speaker 4: just called compass. Seriously, Yeah, three h three nine ninety
Speaker 4: six nine.
Speaker 13: Hey, real quick. I doubt this would ever happen because
Speaker 13: it's mostly liability, but some property do any umbrellas kick
Speaker 13: in after that?
Speaker 8: Or that's never been done.
Speaker 14: I'm sorry, so say that again. The umbrella to cover
Speaker 14: what if.
Speaker 13: Umbrellas are Yeah, go ahead, if you had some form
Speaker 13: of umbrella coverage, would it actually extend on top of that?
Speaker 4: Umbrellas are only for liability, That's what I started.
Speaker 14: It will ever cover lost assessments coverage. It is purely
Speaker 14: for your liability. If you're if you're getting sued.
Speaker 4: For some reason, Tim had an issue with his son's
Speaker 4: dirt bike. Ee, I think a month ago. Hey, Tim,
Speaker 4: I can't find the call right this second. I'm going
Speaker 4: to look for it. Explain what the situation was with
Speaker 4: that dirt bike.
Speaker 10: Oh yeah, I called you a while back. It's a
Speaker 10: sund I'm that electric dirt bike I called you that
Speaker 10: I got.
Speaker 4: Oh yeah, I remember he saved up his money for that.
Speaker 4: How long ago did you call? Tim?
Speaker 10: God, I'm on say, four or five weeks ago. It's
Speaker 10: been it's been a bit a minute, okay.
Speaker 4: And and what happened?
Speaker 8: Where did you get stolen from?
Speaker 10: I got stolen monument right behind the high school? Because
Speaker 10: didn't you.
Speaker 4: Say you kind of know who took it?
Speaker 10: Yeah, we do, and our hunch was right. We got
Speaker 10: the bike back last night. We we we saw this
Speaker 10: kid riding all over town. We chased him down a
Speaker 10: few times, and we finally caught up to him and
Speaker 10: got an address, and we got it back last night.
Speaker 4: But my question was, now, how'd you get it back?
Speaker 10: Well, we called the police because we know where the
Speaker 10: kid lived, and we said, we chased this kid all
Speaker 10: over town and these things are.
Speaker 4: Yeah, but what did police help you get it back.
Speaker 11: They did it.
Speaker 10: Yes, the police went and knocked on the door and
Speaker 10: interviewed the parents, and then the kid came home and
Speaker 10: then they saw that they scraped the cereal numbers off,
Speaker 10: so they drinded him off completely. So I had a
Speaker 10: hard time proving it was mine. But there is certain
Speaker 10: things on the bike that we did do it and
Speaker 10: it matched the description. So they give it back to us.
Speaker 4: Wow.
Speaker 13: What did the parents have to say about all this?
Speaker 13: They would have known if the kid charged. Was the
Speaker 13: kid charged?
Speaker 10: He's getting charge with the felony. Yes, he repression charges
Speaker 10: absolutely good. And ironically the parents, believe it or not,
Speaker 10: are mad because they put a thousand dollars into upgrades
Speaker 10: on the bike, they said, and they they're asking for
Speaker 10: their money, like, are you kidding me? So that was weird.
Speaker 10: But my question was it does have a lot of
Speaker 10: damage to it, and this bike was brand new, it
Speaker 10: only had two hundred miles on it. And well, the
Speaker 10: home owners told me that since it has wheels, it's
Speaker 10: not covered. It would be a special ATV.
Speaker 8: Okay, Well.
Speaker 4: Is that under your belliwick, Brian, hold on? Go ahead?
Speaker 14: So yeah, I'm sorry, it was a bike, Is that
Speaker 14: what he said? Or a motorcycle, motorcycle? Yeah, anything so
Speaker 14: the way, not.
Speaker 4: A motor kind of like an electric bike, it's.
Speaker 19: Not well it's electric, yeah, an electric dirt bike?
Speaker 14: Okay, well electric bikes, there's some You could have coverage
Speaker 14: underneath your personal property, yes, but if it if it's
Speaker 14: deemed more of a motorcycle or motor vehicle, man, then
Speaker 14: then you wouldn't because you have to get anything you
Speaker 14: can get insurance on its own. That's what I was
Speaker 14: going to have an exclusion on that homeowner policy.
Speaker 13: Can he get tags on this and actually get insurance
Speaker 13: on this motorcycle thing.
Speaker 14: That's what I'm saying. Yeah, I would sure think so.
Speaker 14: If it's a dirt bike, you could, I don't know.
Speaker 14: I'm asking the guy, can.
Speaker 10: You No, we have to get an always be sticker
Speaker 10: to ride it up in the trails and park.
Speaker 13: Yeah, it's just a trail bike, man, it's probably not
Speaker 13: even straight legal.
Speaker 8: Brian, Yeah, I know.
Speaker 14: But the same thing if you had a dirt bike
Speaker 14: like a you know, a Kawasaki two fifty or something
Speaker 14: that's a dirt bike not used for the road, but
Speaker 14: you still can get insurance on it.
Speaker 8: Wow.
Speaker 13: Okay, I get it. I guess I don't see the
Speaker 13: river between that and my tractor.
Speaker 14: Well, tractors, you also need to get insurance on a
Speaker 14: tractor if you're going to get it off of your land.
Speaker 4: Well, you've never told me that.
Speaker 13: Okay, this is thirty thousand dollars tractor and I don't
Speaker 13: have coverage on it.
Speaker 4: You're telling me.
Speaker 14: You got to actually schedule a tractor. Yes, you got
Speaker 14: to cover a tractor.
Speaker 13: Well, Lord, have mercy Tom write this down. I am
Speaker 13: officially mad at Brian.
Speaker 14: I'm actually excited. This is one more thing I get
Speaker 14: to add on a on the mark's insurance.
Speaker 8: Well, sorry about how about a four wheeler, Brian? Same thing,
Speaker 8: same thing you can't cover. No, you can cover. There's
Speaker 8: policies for a four.
Speaker 4: No, no, no, you can't get it as personal property.
Speaker 8: It's not personal property.
Speaker 14: No, your EV bike is a bike is the one
Speaker 14: that's right in that middle. Because it's if you think
Speaker 14: about a regular bike that you have that would be
Speaker 14: covered as personal property on your policy. The EV has
Speaker 14: complicated it because there is some language and policies that
Speaker 14: would exclude it because it's a motor vehicle. A lot
Speaker 14: of them still are saying no, this is still considered a.
Speaker 8: Bike all right.
Speaker 4: By the way, Dan McKenzie is a state planning attorney.
Speaker 4: He can do very creative things to move your assets
Speaker 4: through your state, including LLCs. He can do trust, he
Speaker 4: can do, of course, wills. Anything that you need. Dan
Speaker 4: McKenzie can attend to McKenzie Law. We love having him
Speaker 4: here as our expert for estate planning. Eight three three
Speaker 4: co plans eight three three co plans. Go with a
Speaker 4: sure thing Denver's best roofer Excel Roofing dot com. You
Speaker 4: don't pay a cent until you're content. Time for an
Speaker 4: insurance checkup free, no obligation. In comparison, call Compass Insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out now three O three seven to seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three all three nine
Speaker 4: two zero sixteen twenty two. Hi Tom Martino, your troubleshooter
Speaker 4: three all three seven one three talk seven one three
Speaker 4: eight two five five. Okay, so let's keep going here
Speaker 4: and let's see who's okay, day Uh wait, yeah, I
Speaker 4: have Tim. The wait didn't we take tim? I mean
Speaker 4: we we handled the dirt bike thing. Wait what is
Speaker 4: your question actually you had about yourself. You got the
Speaker 4: dirt bike back, So what is your actual question?
Speaker 10: Well, since the homeowners were uncoverage, I didn't have actual insurance,
Speaker 10: am I is it possible to see the parents for
Speaker 10: allions for damages?
Speaker 4: Well? Yes, how hold on? Hold on? How old is
Speaker 4: the kid? Fifteen? Brian. We go around a round about
Speaker 4: this about parents and the responsibility. John John Fuller said
Speaker 4: parents can be liable for minor children.
Speaker 13: The younger the better. But I don't know, Mark, you said, hell, yes,
Speaker 13: what are you thinking? Oh my god? He said that
Speaker 13: kid damaged the bike. I don't know what he means
Speaker 13: by that, but if it needs new parts, absolutely, the
Speaker 13: kids stole it, he wrecked it. His parents will be
Speaker 13: held responsible through a judge.
Speaker 4: Absolutely, all day long. I want to get look at it.
Speaker 4: I'm not doubt I'm not doubting it. I want to
Speaker 4: get John Fuller's take on it. I just want to
Speaker 4: ask him a couple of questions about it. He knows
Speaker 4: about liability and all that. I just want to ask
Speaker 4: him some questions.
Speaker 13: He might be able to help with the James too,
Speaker 13: if we get to James.
Speaker 4: So let's get him on there. Let's get him and
Speaker 4: I'm going to go to Dale then because we're gonna
Speaker 4: wait for John. He has a question about a roofing company. Hey, Dale,
Speaker 4: what's happening? What's going on?
Speaker 19: Okay, Ba's when we had the big storms. I think
Speaker 19: it was in twenty two, it might have been twenty three.
Speaker 19: It was twenty three, I believe in June of twenty
Speaker 19: three in the south end of town. We had a
Speaker 19: roofing company that we've used in the past, supposed to
Speaker 19: do roofing and painting, and they've done a great job.
Speaker 19: They've always done excellent, excellent work, and they did excellent
Speaker 19: work this time. But with all the debacles between supply
Speaker 19: chains and everything, it took a year to get everything completed.
Speaker 19: So we got the roof paid for and done and
Speaker 19: all the other exterior work, and then when it came
Speaker 19: down to get the paint done, we've never seen the
Speaker 19: bill for the paint. We didn't get an estimate for
Speaker 19: the paint itself, and he's never sent us a bill.
Speaker 19: And I've contacted him three or four times to say, hey,
Speaker 19: what do we wait a minute?
Speaker 4: So he's never collect but he did the paint, right, he.
Speaker 19: Had the paint done, yeah yeah, okay, but he never
Speaker 19: so what do we owe you for the paint? And
Speaker 19: he just he won't get back to me on it, like.
Speaker 4: It's well, why do you care? Then, I'm serious, why
Speaker 4: do you care?
Speaker 19: I just I just don't want to end up in
Speaker 19: a situation And he tries to say, hey, you know,
Speaker 19: I'm going to send you to collections over there.
Speaker 4: Well, first of all, first of all, he's going to
Speaker 4: lose it. He's hold on, hold on, He's going to
Speaker 4: lose his right. He already lost his right to lean
Speaker 4: your house. I'm not suggesting you don't pay him. I'm
Speaker 4: suggesting that until he bills you, you don't pay him.
Speaker 19: Okay, yeah, I mean, I mean I'm fine with that.
Speaker 19: I just don't want to get into a situation where
Speaker 19: I'm in trouble over That's why I wanted to know
Speaker 19: where are we?
Speaker 4: I mean, how what's going through your mind? Like how
Speaker 4: could you be in trouble?
Speaker 19: Well, I just you know, I don't want him to
Speaker 19: try to put a lean on the house or send
Speaker 19: us to collections or anything like that.
Speaker 4: But how can he if how can if he never
Speaker 4: asked for payment?
Speaker 19: Yeah, I get it, I definitely understand.
Speaker 8: That's I just want to make sure I'm on.
Speaker 19: The right page.
Speaker 4: Okay, that's I mean, you're you're a really nice guy.
Speaker 4: But when was the last time he contacted him?
Speaker 19: I haven't been in contact with him probably for two
Speaker 19: months now.
Speaker 4: And when you do, does he say he's going to
Speaker 4: send you a bill?
Speaker 19: He just says he'll get back to me and let
Speaker 19: me know what's going on. And so, you know, I
Speaker 19: asked him, was there was there any other things that
Speaker 19: needed to be done, because the insurance had kind of
Speaker 19: put a few things on this bill, and I wanted
Speaker 19: to make sure that, you know, it wasn't already done
Speaker 19: or if it was, or did we need to still
Speaker 19: have some work done or whatever it is. And he
Speaker 19: said not, I think everything's complete as far as I'm knowing.
Speaker 11: He goes, I'll check out.
Speaker 19: Everything and I'll get back to you. And I mean,
Speaker 19: it's it's been over three months since they painted the house.
Speaker 4: Oh so it's only been three months. It hasn't been
Speaker 4: you said it was back in twenty Okay.
Speaker 19: Yeah, that's when the damage originally occurred.
Speaker 4: Well, then if he if he completed it, he has
Speaker 4: four months to lean after the work. But you haven't
Speaker 4: refused to pay. Look, I would just sit back and wait.
Speaker 4: What the hell's the difference you get? You'll you'll always
Speaker 4: have the money to pay him?
Speaker 8: Right?
Speaker 19: Well, well, I mean did you get paid?
Speaker 4: Wait a minute, let me let me ask you this. No, wait, wait,
Speaker 4: wait wait bro, you got insurance money? Is that right?
Speaker 19: Yes?
Speaker 11: Yes, we got to check for the.
Speaker 4: Insurance and so far you only paid for the roof.
Speaker 4: How much do you have left from the insurance payment?
Speaker 19: We have about ten brands.
Speaker 4: You have ten thousand dollars left above and beyond what he.
Speaker 19: Did well without without I mean that's that doesn't include
Speaker 19: the paint. I mean that this particular I didn't ask.
Speaker 4: Here's what I asked, al. I asked how much you
Speaker 4: paid out? And you said you have ten grand left?
Speaker 4: Is that right at this time?
Speaker 18: Yes?
Speaker 4: How much do you think when you say paint? Was
Speaker 4: the whole house painted? Yes?
Speaker 19: Well, for goodness done important to the insurance.
Speaker 13: Well he's trying to get paid though. Those guy's not
Speaker 13: doing anything wrong, of course he's not.
Speaker 4: But what I'm saying, is is why I can't believe
Speaker 4: that the contractor won't doesn't want to be paid for
Speaker 4: the whole house. How much do you think that's going
Speaker 4: to cost that whole house job of extra.
Speaker 19: I don't have any earth of the idea.
Speaker 4: I mean, it's how big is your house?
Speaker 19: Out on the backside?
Speaker 4: Well, you mean you didn't have a bid, You got
Speaker 4: an insurance checked, you didn't get a bid for it.
Speaker 19: We didn't get an actual bid for just the paint.
Speaker 4: You got a bid for the whole Wait? Wait, Dale, Wait,
Speaker 4: did you get a bid for the whole thing?
Speaker 19: I don't remember the paint being in there, because he
Speaker 19: was trying to do with one thing at a time,
Speaker 19: because he subcontracted paint out.
Speaker 4: Do you have a copy of the contract?
Speaker 19: I do have a copy of the contract for the
Speaker 19: roof and the screens and the gutters and all that.
Speaker 4: Yet, but the paint is absolutely not on there.
Speaker 19: It's done, not that I've seen.
Speaker 4: No.
Speaker 13: Okay, Well, I wonder if he did some kind of
Speaker 13: supplemental and actually got paid on it. Is that a
Speaker 13: possibility it could be.
Speaker 19: I mean between pain and insurance, I mean between I'm sorry,
Speaker 19: between roofs with just the roofing and all of the
Speaker 19: other exterior issues other than paint. I mean he's been
Speaker 19: paid like forty three grands.
Speaker 4: Okay, yeah, but listen, here's the deal. So I would
Speaker 4: just there's nothing you can do about it if he
Speaker 4: hasn't built you, but you will be billed. Come on,
Speaker 4: if he subbed it out, I need to get John
Speaker 4: Fuller on. We're out of time. I got to take
Speaker 4: a break. I hope he can hang on. I have
Speaker 4: a question for him coming up. Go with a sure
Speaker 4: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 4: pay a cent until you're content. Time for an insurance
Speaker 4: check up free, no obligation. In comparison, call Compass Insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out now H three seven seven one help. You'll
Speaker 4: think you're his only customer when you choose Frank Durand
Speaker 4: the real estate Man dot com to list your home
Speaker 4: with Remax Alliance three all three nine two zero sixteen
Speaker 4: twenty two. Hi Tom Martino, your troubleshooter three O three
Speaker 4: seven one three talk three O three seven one three
Speaker 4: eight two five five All right, So I want to
Speaker 4: talk to John Fuller very quickly. John, this is not
Speaker 4: about personal injury, but it's about liability. You deal with
Speaker 4: it all the time. I just want to lay out
Speaker 4: this scenario. If a kid, fifteen year old kids steals
Speaker 4: my kid's electric dirt bike or is dirt bike whatever,
Speaker 4: and he does damage to it, the police retrieved it,
Speaker 4: the kid is charged, he's fifteen. Can I hold the
Speaker 4: parents responsible for the damages to the bike?
Speaker 5: You know, probably in a legal sense, but the can
Speaker 5: is going to be responsible for restitution, which is going
Speaker 5: to have to be paid through the courts, or you
Speaker 5: can you know, you can probably file that against your insurance,
Speaker 5: but I don't know if the parents are going to
Speaker 5: be legally responsible for paying you off for that damnage.
Speaker 4: All Right, we have more coming up. I'd love to
Speaker 4: get some more thoughts on that coming up. I'm Tom
Speaker 4: Martine Go with a sure thing Denver's Best Roofer Excel
Speaker 4: roofing dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup, free no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three O three seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate man dot
Speaker 4: Com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 5: Y Rip.
Speaker 13: News.
Speaker 1: Need advice so you don't have run into Just as
Speaker 1: fast as we can, Shooter's gonna help. Come man, This is.
Speaker 8: The Troubleshooter Show.
Speaker 4: Now, Tom Martine, Hi, Tom Martino here, Welcome to the show. God,
Speaker 4: what a busy day today on the Troubleshooter Show. Multiple
Speaker 4: calls and help and information we're helping. We have UH
Speaker 4: the Insurance Help Center with us. I want to go
Speaker 4: right to John Fuller because we have a thing that
Speaker 4: came up we were all curious of. And John the
Speaker 4: league you know of a personal injury attorney who's always
Speaker 4: looking for damages and responsibility and liabilities. This is not
Speaker 4: necessarily personal injury, but it has to do with liability.
Speaker 4: And you know I, John and I have these conversations
Speaker 4: a lot about UH people and liability for their kids
Speaker 4: and people who live with them. In fact, we had
Speaker 4: one the other day about something I'm doing with my daughter.
Speaker 4: And also people want to know about their minor kids.
Speaker 4: So John, what I thought was that, and Mark thought as.
Speaker 8: Well, I'm gonna I'll go beyond that, I know.
Speaker 4: But just let me, let me explain the situation and
Speaker 4: then you can. Because Mark, Mark thought that the kids,
Speaker 4: that the parents would be responsible for minor children. And
Speaker 4: Mark explained the case.
Speaker 13: Well, the case that we're talking about now is a
Speaker 13: kid willfully steals another kid's dirt bike. When he has it,
Speaker 13: he causes damage to it and basically the parents see
Speaker 13: the kid driving it around, they get with the police,
Speaker 13: The police go over there, they convince and prove to
Speaker 13: the police it was the stolen bike and it's theirs.
Speaker 13: The police give them back the bike, but it's got
Speaker 13: some damage on it. And my contention is quite simple.
Speaker 13: They can take those parents because it's a fifteen year old,
Speaker 13: I believe to small all claims court or to court
Speaker 13: or if the cops actually arrest them, with restitution. But
Speaker 13: the bottom line is, because it's a minor child, those
Speaker 13: parents are going to be responsible for the bills. And
Speaker 13: I'll give one more another analogy. You know, your fifteen
Speaker 13: year old goes over and spray paints your neighbor's house
Speaker 13: or toilet papers it or does something that leaves real
Speaker 13: damage to the paint or something. You are going to
Speaker 13: be libel as the parents of that minor, no matter what,
Speaker 13: at least in Colorado.
Speaker 4: Okay, John Fuller, what are your thoughts on that? Well, Mark,
Speaker 4: what do you say, at least in Colorado? What are
Speaker 4: you basing that on? Are you looking at a law No.
Speaker 13: I'm basing it on a neighbor whose kid did something
Speaker 13: and got in trouble and the parents ended up paying,
Speaker 13: and they didn't want to pay, and it went to
Speaker 13: court and they ended up paying. Oh wait, you actually
Speaker 13: know of a case, Yes, in our old cul de sac.
Speaker 8: Yes, I do.
Speaker 4: Okay, John, Hey.
Speaker 5: You know Mark's probably filed more lawsuits than I have
Speaker 5: over the years, so he listen. I don't know. I
Speaker 5: can tell you that, you know, we're not generally liable
Speaker 5: for the acts of another person unless we have some
Speaker 5: you know, some some responsible relationship over them, and maybe
Speaker 5: a parent is enough to make me legally responsible. I
Speaker 5: don't know. I could look that up, but I do
Speaker 5: know that the kid, if he was charged with taking
Speaker 5: the motorcycle, that as a crime victim, you're entitled to
Speaker 5: restitution through the criminal course, and it doesn't matter if
Speaker 5: he's a juvenile or an adult. The courts are still
Speaker 5: going to impose a restitution order that makes.
Speaker 4: It right, So it becomes a moot point anyway. I bet,
Speaker 4: I bet a Lazari's dealt with this time.
Speaker 5: Hey probably has, you know that would be a But
Speaker 5: I dealt with enough criminal cases to note as well
Speaker 5: that that restitution order, whether the parents paid or the
Speaker 5: kid pays it, it's still going to have to be
Speaker 5: paid before that kid ever gets sought for probation or
Speaker 5: whatever the need.
Speaker 4: Let me put this another way, John, what if while
Speaker 4: he's on this stolen electric bike he hits someone and
Speaker 4: they there, and they come to you with five hundred
Speaker 4: thousand dollars in pain and suffering and medical bills and
Speaker 4: all that. You damn sure well would go after the parents.
Speaker 5: I sure would, And I would do it under some
Speaker 5: theory against their homeowners policy or perhaps their their auto policy.
Speaker 5: But it wouldn't be their personal responsibility. It would still
Speaker 5: and and Tom, I could be wrong on this, don't
Speaker 5: I haven't done this in forever, but it would be
Speaker 5: a theory of either if it was against the parents,
Speaker 5: it would be some sort of negligent entrustment. I mean,
Speaker 5: you can't make the parents liable for something unless they're
Speaker 5: actually negligent of doing something. Maybe there's some contract deal
Speaker 5: that makes them just have to I'm not familiar with it, but.
Speaker 4: Okay, I'm I'm looking it up here and it says
Speaker 4: this criminal responsibility. Parents are not generally criminal libel unless
Speaker 4: they contribute to it, as we've seen in the school shootings. Okay,
Speaker 4: a civil liability parental responsibility law, it's what it's called.
Speaker 4: And they can be held for civil liability for any
Speaker 4: kids under eighteen the result or injury of damage excuse me,
Speaker 4: that result in injury or damage property damage. This is
Speaker 4: typically limited to a certain amount of financial damages, which
Speaker 4: is capped under state oh state law is at thirty
Speaker 4: five hundred, capped at thirty five hundred.
Speaker 5: Got of Colorado's at some AI, General.
Speaker 4: Colorado's no, No, it's my girlfriend AI And it says
Speaker 4: Colorado's parental responsibility law. Again, John, you're well to point
Speaker 4: that out because my girlfriend has been irresponsible at times.
Speaker 4: This is typically limited to I never heard of that
Speaker 4: thirty five hundred dollars limit, but say that, but you.
Speaker 5: Know that, Yeah, that just doesn't seem based in anything
Speaker 5: that makes sense. And again I'm got the expert on that.
Speaker 5: I don't really handle a lot of you know, juvenile cases,
Speaker 5: but if I had one, I'm sure i've you're bonn
Speaker 5: up on it and the uh be able to go
Speaker 5: to town. But again, you know, my, my, my challenge
Speaker 5: all the time on civil cases is getting coverage. You know,
Speaker 5: because nobody has five hundred thousand dollars laying around. We're
Speaker 5: looking for insurance coverage that's going to provide a source
Speaker 5: of revenue to help my clients recover for their damages.
Speaker 5: And so that's always a challenge, and that is a
Speaker 5: little bit different of an analysis than just simply whether
Speaker 5: or not the parents are on the because.
Speaker 4: I did I did look up the CRS. Though now
Speaker 4: I did look up the CRS. This is the actual
Speaker 4: CRS is thirteen twenty one, one oh seven, and it
Speaker 4: does say that any person entitled to recover damages in
Speaker 4: the amount that exceed three thousand and five hundred in
Speaker 4: a court of competent jurisdiction from the parents of a
Speaker 4: minor under eighteen years old living with such parents who
Speaker 4: know only called the blah blah blah blah blah is
Speaker 4: used the recovery shell be actual damages. Uh, and not
Speaker 4: to exceed three thousand and five hundred. I don't I
Speaker 4: don't get it. So Hey, on that same mark three
Speaker 4: thousand and five hundred, it says, is the limit to
Speaker 4: civil damages for a minor?
Speaker 8: Yeah?
Speaker 4: Well, I don't know what it is.
Speaker 13: But the on that same kind of thread, John, if
Speaker 13: someone if a fifteen year old took their parents' car
Speaker 13: for a joy ride and ended up hurting somebody, they
Speaker 13: the parents' insurance would cover whatever if they had insurance
Speaker 13: correct the liability.
Speaker 4: I don't know, Brian, Brian should weigh in on that.
Speaker 14: To be permissive use? So yeah, I mean, I I've
Speaker 14: had this conversation and sorry, John, you're the expert on this,
Speaker 14: but I have had conversations with clients that are sitting
Speaker 14: there saying no, I did not give my kid permission
Speaker 14: to take my car, and said, for insurance purposes, you
Speaker 14: sure better hope you did, because that's permissive use.
Speaker 4: Oh so if you gave permission, even if they're unlicensed,
Speaker 4: they're covered.
Speaker 13: Yeah, but who would give their fifteen year old permission
Speaker 13: to go driving?
Speaker 4: Well, what Brian is saying is is for use for coverage.
Speaker 4: Maybe you'll never be insured again, but if you want
Speaker 4: this covered, you better have given permission.
Speaker 9: So here's an interesting thing, Tom.
Speaker 5: If you look at that statue, the first section of
Speaker 5: it deals with a kid who maliciously or willfully danities
Speaker 5: or destroyed property.
Speaker 11: That's intentional, yeah.
Speaker 8: Or steals it.
Speaker 5: That's not negligence. Okay, that's intentionally. So maybe with the motorcycle,
Speaker 5: yeah you can recover. But now the causing of an accident,
Speaker 5: that's very likely not to be considered an intentional act. Rather,
Speaker 5: it's more likely to be considered a negligent act. The
Speaker 5: next section deals with knowingly causing hodily injury, and I
Speaker 5: think we'd have to really get into the court you know,
Speaker 5: definition knowingly because it kind of impliedly still comes down
Speaker 5: on the side of an intentional act, which is by
Speaker 5: definition not negligence and not covered by any policy that
Speaker 5: you're esteemed guest Brian over there rights. So that gets
Speaker 5: back to the whole permissive use thing. He's if he's
Speaker 5: a permissive user, which you might say, why the hell
Speaker 5: would we ever do that and give our kid permission?
Speaker 5: But you know, maybe that's not a terrible thing because
Speaker 5: you want to have that insurance coverage against an accident
Speaker 5: and it's considered negligence. You want that kid to be
Speaker 5: covered so that it's not coming out of your own
Speaker 5: personal resources.
Speaker 4: Now, while you're on John, listen to James, James, I'm
Speaker 4: not sure if this involves personal injury. Does your car
Speaker 4: accident involve personal injury? James, No, it doesn't. Okay, maybe, okay,
Speaker 4: go ahead. What is it?
Speaker 18: Well, it's a pretty simple case. I was driving out
Speaker 18: of my parking lot and a guy backs up in
Speaker 18: front of me and hits right front of my car,
Speaker 18: in the side of the car. My insurance company. I
Speaker 18: called my insurance company. He called his insurance company. He
Speaker 18: admitted claim to me. He admitted liability for the accident
Speaker 18: because he didn't look moving back.
Speaker 4: Yeah, and.
Speaker 18: I called I didn't just rely you.
Speaker 4: Were both Were you both moving at the time? Yes, Okay, Okay,
Speaker 4: got it. It's going to be fifty to fifty. But
Speaker 4: let me explain something to you. And this is something
Speaker 4: I need to explain because it happens all the time.
Speaker 4: Brian Brian burns us with us with Compass Insurance Group.
Speaker 4: People say he admitted liability. Once you talk to your
Speaker 4: insurance company. Heber sends that I'll guarantee you his insurance
Speaker 4: will say he didn't admit responsibility.
Speaker 8: Right, oh man.
Speaker 14: The story that happens at the scene of the accident
Speaker 14: changes so frequently right after the act.
Speaker 4: He didn't create a contract or liability by saying that
Speaker 4: to you, right r. Nor does he know the actual law.
Speaker 4: So so here's what I'm getting at. It doesn't matter
Speaker 4: what he told you at the scene, Okay, it's what
Speaker 4: can be proven. So tell me where it stands right now.
Speaker 18: Well, they want me to give them a verbal statement,
Speaker 18: and I was reluctant to do that without some kind
Speaker 18: of advice.
Speaker 4: Well, what do you mean, what kind of statement?
Speaker 18: Caliphonic?
Speaker 7: Lay?
Speaker 4: Yeah, here's what they're going to try to do. And
Speaker 4: I think we let John go, didn't we and if
Speaker 4: we did, if we didn't it? Okay, here's what is
Speaker 4: going to happen. They're going to try to trick you
Speaker 4: into either comparative negligence, meaning they're going to ask you
Speaker 4: questions like could you have prevented it had you seen
Speaker 4: it sooner? Or could They're going to ask questions in
Speaker 4: such a way that they're going to turn down the
Speaker 4: claim or they're going to do as Mark mentioned, fifty
Speaker 4: to fifty or sixty forty or whatever it's You know,
Speaker 4: you don't have to talk to them. You understand that, right?
Speaker 11: Oh?
Speaker 18: I didn't know that.
Speaker 4: Well, what tell me what would require you to talk
Speaker 4: to the other insurance? What would require it?
Speaker 13: Well, he just wants to get paid.
Speaker 4: Do you have a do you have a contract claim?
Speaker 4: Do you have a contract with them?
Speaker 20: No?
Speaker 4: Yeah, you're not required to talk to them at all.
Speaker 4: He's required to talk to them. They're not required. You're
Speaker 4: not required to talk to him at all. They can
Speaker 4: look at it. Did you have a police report or not?
Speaker 4: Because it's private, they wouldn't do it.
Speaker 5: No.
Speaker 4: Okay, Now here's the deal. You can sue him for
Speaker 4: the damage directly. If he's admitting fault, then it won't matter.
Speaker 4: You'll get a judgment and then he'll just have to
Speaker 4: get his insurance to pay. Brian chime in on this
Speaker 4: if you want. But I don't see why he has
Speaker 4: to talk to them.
Speaker 14: Well, no, other than to Mark's point, he's trying to
Speaker 14: get paid. He doesn't talk to him, they're not going
Speaker 14: to pay him.
Speaker 4: But there, but hold on, Well, guess what they may
Speaker 4: not pay him, but why wouldn't they?
Speaker 14: Well, because are we still saying that this driver is
Speaker 14: admitting fault. I understand he said he did it at
Speaker 14: the scene. Is that his story still?
Speaker 18: I haven't talked to him.
Speaker 8: I will put money down that his story has changed.
Speaker 20: Now.
Speaker 18: I went to my insurance company and they totaled my car.
Speaker 18: They say, First of all, they said, I can either
Speaker 18: go with his insurance company, just deal with them, or
Speaker 18: I can deal with my insurance company and use my
Speaker 18: deductible or whatever. Yep, they totaled my car after they
Speaker 18: visually assessed it.
Speaker 4: And so what's the point. What is the point? What
Speaker 4: do you need from us right now? What kind of help?
Speaker 18: Well, one thing is understanding how the the totaling process were.
Speaker 4: Okay, that's a whole different topic. Hold on, we'll come
Speaker 4: right back to you. I'm Tom Martino. Three oh three
Speaker 4: seven one three eight two five five. Go with a
Speaker 4: sure thing Denvers Best Roofer, Excel roofing dot com. You
Speaker 4: don't pay a cent until you're content. Time for an
Speaker 4: insurance check up free, no obligation. In comparison, call Compass
Speaker 4: insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out Now three oh three seven seven to one. Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino here three oh three
Speaker 4: seven one three talk seven one three eight two five five.
Speaker 4: So we have a question on a car accident. But James,
Speaker 4: here's the deal. Now you're facing a whole different dilemma.
Speaker 4: You want to know how the totaling process works. Okay,
Speaker 4: here's how it works. When they feel like it's cheaper
Speaker 4: for them to fix your car. I mean to fix
Speaker 4: your car. They're going to fix it or to total it.
Speaker 4: They're going to total it. They just do it, okay.
Speaker 4: And all they have to do, you don't have a choice.
Speaker 4: They just have to put you in a better position
Speaker 4: or the same position you were in before the accident.
Speaker 4: So normally what happens is and I know what's happening here.
Speaker 4: You don't agree with what they're valueing your car at
Speaker 4: Is that true? Is that true? That's what it is?
Speaker 21: Right?
Speaker 18: I don't know yet, but yeah, okay.
Speaker 4: They're not going to give you what you think it's worth.
Speaker 13: They never do, never, no, but they never give you
Speaker 13: if you if you follow our advice, they will give
Speaker 13: you what it is worth.
Speaker 4: Okay, so Mark, I'm continue continue.
Speaker 13: It's simple as that. We have a company called Petty
Speaker 13: Details on our referral list. So go to referral list
Speaker 13: that time, start typing in Petty. He will give you
Speaker 13: an honest number of what that vehicle's worth, and they
Speaker 13: will give you that much. If they won't give you
Speaker 13: that much, you can hire Petty Details or other companies
Speaker 13: to actually invoke something in your policy that basically creates
Speaker 13: an arbitration and they're gonna come up with that number
Speaker 13: and he'll do all the legwork behind the scenes to
Speaker 13: get that done.
Speaker 4: But well, that's hold on. You invoke you can only
Speaker 4: do you have the appraisal process. You can only invoke
Speaker 4: that with your own company, not with the other party.
Speaker 13: Yeah, well, okay, that's that's you. That's absolutely true. That's
Speaker 13: absolutely true.
Speaker 4: So so if it's the other party, you would have
Speaker 4: to sue that other party directly, not their insurance.
Speaker 8: That's true.
Speaker 13: Well, let me ask you this. Do you have full
Speaker 13: coverage on the vehicle? Yes, Well, then you could go
Speaker 13: through your own company and not even worry about this.
Speaker 18: No, just for a second, when you say full coverage,
Speaker 18: I have a thousand dollars deductible.
Speaker 13: Well you could still go through your own and then
Speaker 13: sue them for the thousand dollars deductible, or your own
Speaker 13: insurance company will will subrogate or not suburgate, but they'll
Speaker 13: go after the other insurance company for your thousand dollars back.
Speaker 14: Oh yeah, subrogate's the right term for that. Okay, the
Speaker 14: first dollar they get back goes to your deductible, just
Speaker 14: so you know that's how it works.
Speaker 13: Yeah, so they will, they'll subrogate for that money and
Speaker 13: then ultimately make you whole.
Speaker 8: That's why you want.
Speaker 13: If the other company is not paying you what the
Speaker 13: vehicle's worth, but you got to figure out truly what
Speaker 13: it's worth, then go through your own company and then
Speaker 13: you can go into that appraisal clause I brought up
Speaker 13: at the beginning.
Speaker 4: Brian, if he goes through his own company, can he
Speaker 4: go directly after that other guy and sue for the
Speaker 4: thousand dollars deducted world? Does he have to wait for
Speaker 4: his company to subrogate?
Speaker 14: Well, no, I believe and that would be a John
Speaker 14: Fuller question more than me. But I believe he can
Speaker 14: sue them directly. But if they're going to subrogate, then
Speaker 14: he'll get that money back. In other words, like I said,
Speaker 14: first dollar back, he'll get. But I I'm based off
Speaker 14: of the conversation or the story behind it, I don't
Speaker 14: see him getting anything back for subrogation. I see this
Speaker 14: being a fifty to fifty. His insurance will pay his
Speaker 14: and the other why because it's on private property. Unless
Speaker 14: the guy continues to say he's at fault. But if
Speaker 14: I heard that correctly, that both were moving, so the
Speaker 14: assurance companies will just throw up their hands.
Speaker 8: Hey, James, is fifty to fifty.
Speaker 4: James, is the guy still claiming uh fault?
Speaker 18: I don't know.
Speaker 13: But even if he is claiming still fault, that I'm
Speaker 13: just arguing, that doesn't even really matter. That guy might
Speaker 13: be at fault, but that doesn't mean he is at fault, right.
Speaker 4: Yeah, that's true, that's true, James. I hope, I hope
Speaker 4: we gave you enough information. Three oh three seven one
Speaker 4: three eight two five five Joe, Yeah, Joe, what is
Speaker 4: going on? You called last week? Let me let me
Speaker 4: bring up your call. And wasn't it about landscaping or something?
Speaker 13: Yeah?
Speaker 4: It was. Uh, you bought your home in Loveland. People
Speaker 4: built a home on the lot next to you, and
Speaker 4: and you started having water problems. They built a retaining
Speaker 4: wall between the properties. Now your property is flooding, and
Speaker 4: uh what happened?
Speaker 21: Well, so yeah, that was the issue. And then Bob
Speaker 21: from La M Landscaping came up.
Speaker 4: That's right, he was going to he was going to
Speaker 4: look at it to see what the issue was because
Speaker 4: I said if they changed the drainage, they could be
Speaker 4: responsible to you. Go ahead. What happened?
Speaker 18: Correct?
Speaker 21: So Bob came up and looked everything over and his
Speaker 21: in agreeance of everything we have said. And he's basically
Speaker 21: saying the house itself is the issue. But he did
Speaker 21: go through all of the landscaping. And is Bob on
Speaker 21: the phone because.
Speaker 4: He can get no, he's wait, wait were we supposed
Speaker 4: to get him? I'm sorry, now, what did you? Can
Speaker 4: you can tell us what he said? Did he say it?
Speaker 4: Did he say it could be fixed the drainage?
Speaker 21: Yeah he can. He said he could fix it, but
Speaker 21: do not the people next door? Awkward to put a
Speaker 21: French strain in he says, a French train is not
Speaker 21: going to fix the issue. It's more complicated than that.
Speaker 4: What did he say it would include? Do you remember
Speaker 4: he's probably listening, and I'm sorry we didn't get him
Speaker 4: on while you were waiting. But what did he basically
Speaker 4: say from what you can remember, that he needed to do.
Speaker 21: Basically, it's going to be totally regrading our whole lot
Speaker 21: on the side, bringing in dirt, doing a swell in
Speaker 21: their backyard which is supposed to be there anyways. It's
Speaker 21: going to be a lot of work.
Speaker 4: Because what he did he give you a price.
Speaker 21: He did not give me a price, but he said
Speaker 21: he would work with me no matter what on this issue.
Speaker 4: Okay, and so he didn't give you any idea. Do
Speaker 4: you know if they'll help pay?
Speaker 21: Well, that's what he's saying, and we're saying it should
Speaker 21: be the neighbor's responsibility, uh, the engineer who signed off
Speaker 21: on it all. They should be compensating us for all
Speaker 21: the damage we've incurred.
Speaker 4: Well, yeah, that's nice. However, he's not an attorney. We
Speaker 4: don't know about that yet, but we do know that
Speaker 4: it wasn't like that before they built. What were you
Speaker 4: going to say, Mark, sorry, did they pull a permit?
Speaker 4: Was the county involved?
Speaker 21: The City of Love?
Speaker 8: Oh, you're going to.
Speaker 4: Have a hell of a time if this was signed
Speaker 4: off by.
Speaker 13: People that how would they possibly go after the neighbor
Speaker 13: or go after the engineer when when the city actually
Speaker 13: signed off on it substance over form.
Speaker 21: Yeah, it's been a long drawn out We've been dealing
Speaker 21: with us for a year over a year now and
Speaker 21: the city is taken out no responsibility, even though they did.
Speaker 21: We have talked to the engineer company and they are
Speaker 21: going to come out on Thursday and two elevations all
Speaker 21: over our property and the other property, and they're offering
Speaker 21: the fix. So we are getting somewhere we.
Speaker 4: Do well instead of their fix, just tell them you
Speaker 4: want your fix exactly.
Speaker 21: We have to file a suit too, because we're already
Speaker 21: in you know, a lot of attorney fees already, which
Speaker 21: our attorney hasn't done a whole lot.
Speaker 4: Wait wait, wait, how much are you into fees right now?
Speaker 21: Nine attorney fees?
Speaker 4: And how much do you think the fix would be?
Speaker 4: Bob didn't tell her.
Speaker 21: He didn't say, but.
Speaker 8: Well, I think Bob would have I listen.
Speaker 13: I like Bob, but it sounds like an engineer asked
Speaker 13: to get out there and get this thing handled.
Speaker 21: Yeah, they're coming out, they're coming back out. But here's
Speaker 21: a deal. I mean, we have to file a suit now,
Speaker 21: which we've contacted our attorney.
Speaker 13: Wait a second, Wait a second. If the engineer company
Speaker 13: that is coming out and they want to fix it,
Speaker 13: and long as everybody signs off on it, why wouldn't
Speaker 13: you just do that?
Speaker 10: Yeah?
Speaker 4: Why do you need a suit? A lawsuit?
Speaker 21: Because we can't repay or recoup our attorney sees without
Speaker 21: a suit.
Speaker 4: Now, hold on, hold on, hold on, you might do
Speaker 4: you understand Wait a minute, Wait a minute, do you
Speaker 4: understand that to try to go after attorney fees will
Speaker 4: incur new attorneys fees? Right?
Speaker 18: Correct?
Speaker 4: So what makes you think you're gonna get attorney fees?
Speaker 4: That this is not a statute that pays attorney s fee.
Speaker 4: I think you're getting bad advice from whatever attorney. I
Speaker 4: think you're getting bad advice too, that's my opinion, Joe.
Speaker 4: What makes you think you'll get attorney fees?
Speaker 21: I'm not saying we're getting attorney sees, but it would
Speaker 21: be nice to get attorney sees.
Speaker 4: But you're going to spend another nine to ten thousand.
Speaker 4: Define hold on, you're going to spend another nine to
Speaker 4: ten to see if you do get them.
Speaker 8: First of all, I would argue with that.
Speaker 13: I mean this, they're going to have to depose all
Speaker 13: these original engineers. This thing could be forty fifty thousand.
Speaker 4: Yeah, yeah, Joe, I would forget you know. First of all,
Speaker 4: I think you prematurely spent attorneys fees and they overcharged you.
Speaker 4: So I don't think you're gonna get attorney's fees. That's
Speaker 4: my humble. I think you ought to try to get
Speaker 4: them to fix it or to pay for the fix,
Speaker 4: and you ought to get a You ought to get
Speaker 4: an engineer to back up what Bob is saying. Maybe
Speaker 4: he knows of some. I'm Tom Martino. We have more
Speaker 4: coming right up. Go with a sure thing Denver's Best
Speaker 4: Roofer Excel roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance checkup free, no obligation.
Speaker 4: In comparison, call Compass insurance paying too much your coverage
Speaker 4: at dozens of insurance companies. Find out now three all
Speaker 4: three seven to seven to one.
Speaker 8: Help.
Speaker 4: You'll think you're his only customer. When you choose Frank
Speaker 4: durand the real estate man dot Com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, your troubleshooter three three
Speaker 4: seven one three talks seven one three eight two five five. Wow.
Speaker 4: Busy day, Keith. What's going on with you? Keith?
Speaker 22: Well, first of all, I want to thank you in
Speaker 22: the past for saving me a lot of money and
Speaker 22: helping me get out of timeshare.
Speaker 4: Oh that's cool.
Speaker 18: Yeah, save me a great deal.
Speaker 22: Now, I'm seventy five years old. I don't have a computer.
Speaker 22: I'm still trying to learn how to use a smartphone.
Speaker 22: So that's kind of my background. I rented a car.
Speaker 22: I'm not positive about the dates to visit my brother
Speaker 22: in Florida in March. They tacked on what they call
Speaker 22: a thrifty toll. I told them I didn't want that.
Speaker 5: They said, what is that?
Speaker 4: What is it? What is it?
Speaker 5: What it is is?
Speaker 22: They tack eleven eighty eight on?
Speaker 4: And then what that does?
Speaker 22: It gives you a discount to go through all the
Speaker 22: toll roads.
Speaker 4: Oh, I get it.
Speaker 18: Words you pay up front and there I get.
Speaker 4: A lot of them down there. Boy, where are you
Speaker 4: by the way, where are you going? Is this Florida?
Speaker 22: Yeah, I'm not there. I was down there in March
Speaker 22: to see my brother, and then the car broke down
Speaker 22: after the second day, and then it took me two
Speaker 22: days to get a new car, and then they charged
Speaker 22: me double and they wouldn't so I couldn't get that
Speaker 22: off my card through thrifty.
Speaker 9: And here again, what.
Speaker 4: Were you trying to get off your card just one day?
Speaker 22: There was two days. I rented the car for a week,
Speaker 22: and there's two days I couldn't use it. And then
Speaker 22: they charged me extra for a new car that worked.
Speaker 22: So I gave up on trying to get that off.
Speaker 22: That was a year ago. But now I see on
Speaker 22: my Discovery card by accident, thrifty toll is charging me
Speaker 22: a reoccurring charge of eleven eighty eight. And when I
Speaker 22: try to call their customer service or try to get
Speaker 22: hold of them, they put me in a phone maze
Speaker 22: and I wind up going back to the first number.
Speaker 18: I went one, two, three.
Speaker 22: Four or five, Okay, I went Keith seven phone mazes
Speaker 22: to get right back Keith.
Speaker 4: I can identify with that frustration. I can One time
Speaker 4: I had to actually literally nix my card I did.
Speaker 4: Recurring charges are almost impossible to get rid of. Your
Speaker 4: credit card company will not get rid of them. They
Speaker 4: will not do it unless you instituted the charge on
Speaker 4: your online portal, which you don't have. No, they won't
Speaker 4: get rid of it. They won't get rid of it.
Speaker 4: So I'm gonna I'm gonna be look at. I know
Speaker 4: you'd like to hear something different, but I'm going to
Speaker 4: tell you the truth instead of just trying to make
Speaker 4: you happy. The truth is, you have to can you
Speaker 4: have to cancel the credit card.
Speaker 7: I did an hour ago.
Speaker 4: Okay, good, get a new card and forget it.
Speaker 13: Oh you should also tell that bank you want it.
Speaker 13: Sounds like they've charged you about one hundred and twenty
Speaker 13: bucks over a year, right, Yeah, you should be able
Speaker 13: to get at least three or four months of that back,
Speaker 13: or you can sue drifty car.
Speaker 7: Oh.
Speaker 22: Yeah, like I said at my age, it's almost not
Speaker 22: worth a hassle. That's why I got rid of the timeshare.
Speaker 22: Now when I called Discover.
Speaker 4: Yeah, you are pretty damn you know I was.
Speaker 8: You took the words out of my mouth.
Speaker 4: My goodness, he's an old fart man man I can't
Speaker 4: believe that. I can't believe that a seventy five year
Speaker 4: old actually could find my number and call me. Benson
Speaker 4: Hurst four four seven. Please Keith, Keith, you're old enough
Speaker 4: to be my friend.
Speaker 18: Bro.
Speaker 4: We're four years apart, so stop.
Speaker 8: Hey, hey, don't lie three years.
Speaker 4: Wait, I'm seventy one. What No, you're seventy two. I'm
Speaker 4: seventy one, seventy two. I just turned seventy one, so
Speaker 4: thank you. But anyway, what is your What year were
Speaker 4: you born June nineteen fifty Yeah, and I was born
Speaker 4: in fifty three. So listen, you are you are, You're
Speaker 4: doing the right thing. You're on the right track, by
Speaker 4: the way, with your credit card, you are. But Keith,
Speaker 4: get a computer.
Speaker 9: Yeah, I'm trying to discover.
Speaker 4: Said what discover? Said what they said?
Speaker 22: Even if they said they're sorry to lose my business,
Speaker 22: they gave me a better They gave me two percent.
Speaker 22: I would get two percent back on all my purchases
Speaker 22: if I didn't cancel my card. They'd lower my interest rate,
Speaker 22: which I don't where because.
Speaker 4: I hold on, hold on, hold on? Did you tell
Speaker 4: them hold on? Did you tell them you would keep
Speaker 4: the account if they would stop that charge.
Speaker 22: They said, they know they want because ongoing things, ongoing things.
Speaker 22: They couldn't promise me that.
Speaker 4: You're right, block it, you're right, and even and by
Speaker 4: the way, by the way, just so you know, even
Speaker 4: if even if you get some kind of a new
Speaker 4: card with them, they can go after your new card.
Speaker 4: So don't do it. We got to take this break.
Speaker 4: We got more coming up. Go with a sure thing
Speaker 4: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 4: a cent until you're content. Time for an insurance check
Speaker 4: up free, no obligation comparison call Compass Insurance Paying too
Speaker 4: much your coverage at dozens of insurance companies find out
Speaker 4: now three oh three seven seven one help. You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate Man dot com to list your home with
Speaker 4: Remax Alliance three nine two zero sixteen twenty two. Hi
Speaker 4: Tom Martino, your troubleshooter three all three seven one three
Speaker 4: talk three oll three seven one three eight two five
Speaker 4: five Okay, So what's going on in your life? And
Speaker 4: how can we help you? My goodness, gracious, So we've
Speaker 4: cleared the calls, we've had a ton of calls. If
Speaker 4: you need to get through, give us a call. But
Speaker 4: I do have a ton of questions for Brian. People
Speaker 4: with condos and town homes are going nuts. One says
Speaker 4: they have no insurance for roofing. What do they do?
Speaker 4: Can they get on a condo their pro rat ashore
Speaker 4: share of roofing insurance in a policy like a homeowner's policy? Brian?
Speaker 4: Can they do that? Sir?
Speaker 14: Most of the people that have lost roof coverage or
Speaker 14: where the HOA is basic. We just said they're not
Speaker 14: going to have insurance for the property itself. There's a
Speaker 14: letter that goes out and informs them they need to
Speaker 14: get what's called an HO three policy. You know, a
Speaker 14: condo policy is inn HO six, which means it is
Speaker 14: just covering the walls in basically is what a co.
Speaker 4: Can they buy? If you have a condo and the
Speaker 4: condo place has no roof insurance, will they be covered
Speaker 4: for their own portion?
Speaker 14: Well, it's going to fall again. If it's truly a
Speaker 14: condo where you have people above and below you, then
Speaker 14: you can't get an HO three. So in those cases
Speaker 14: you can get Here's the problem, and this is horrible
Speaker 14: advice for you. But the fact of the matter is
Speaker 14: you have to read your policy. You can get on
Speaker 14: an HO six policy, you can get dwelling coverage. Now
Speaker 14: usually dwelling coverage is just going to cover the interior
Speaker 14: of the unit, but there are policies that will extend
Speaker 14: to what you're responsible for, meaning the exterior or the
Speaker 14: roof in that case. So there are policies you can get.
Speaker 4: Here's the short answer. Call you guys.
Speaker 8: Yeah, this series it gets too complicated.
Speaker 4: Are you facing a lot of this lately?
Speaker 15: Time?
Speaker 8: I even have an example of someone that's called today.
Speaker 4: Okay, I want to go over that. Three oh three
Speaker 4: nine nine six nine thousand is a Compass insurance. We
Speaker 4: are three oh three Martino coming back with you right
Speaker 4: after this. Go with a sure thing Denver's Best roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're contenth time for an insurance check up free no
Speaker 4: obligation comparison call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies. Find out now three oh
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer. When you choose Frank durand the Real Estate
Speaker 4: man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty.
Speaker 1: Two new you come running just as.
Speaker 8: Fast as we can.
Speaker 1: Shooter's gonna help come Man.
Speaker 3: Dix is the Troubleshooter Show. Now, Tom Martine.
Speaker 4: Hello, Tom here, Welcome to the show. Three oh three
Speaker 4: seven one three Talk seven one three eight two five five.
Speaker 4: I don't know why it says standby for the troubleshoot there.
Speaker 4: I am okay. Anyway, We are here to help you,
Speaker 4: solve your problems, answer your questions, take your complaints, make
Speaker 4: your life just a little easier. All you have to
Speaker 4: do is tune in and call three oh three seven
Speaker 4: one three talk or call three oh three Martino three
Speaker 4: oh three six two seven eight four sixty six. Let's
Speaker 4: talk and see what's on your mind. And we have
Speaker 4: Chris who wants to talk about shipping a tractor, and uh,
Speaker 4: go ahead, Chris, what's going on?
Speaker 11: Yeah, I'm looking to get a tractor hauled from Little
Speaker 11: Tin down to Alamosa.
Speaker 7: And I'm wondering if you guys have any shipping company.
Speaker 4: For that kind, for that kind. I don't.
Speaker 13: Actually, I think we had a call similar to this
Speaker 13: recently I would call up Potestio Brothers and Parker or
Speaker 13: one of their locations and ask them who they use
Speaker 13: for shipping.
Speaker 4: They ship tractors all over the country. That was yeah,
Speaker 4: they man, have they been around a long time and
Speaker 4: they've got locations everywhere.
Speaker 13: I happen to have to go pick up a part
Speaker 13: at one they open one out in Elizabeth.
Speaker 4: Yeah. Yeah, there's all kinds of tractor dealers. Potestio is
Speaker 4: the big one around here, and they can help you,
Speaker 4: probably by referring someone to you. Yeah.
Speaker 8: They literally ship everywhere.
Speaker 9: Man.
Speaker 4: Yeah, that's a great idea. You guys do. All right,
Speaker 4: Thank you, Chris, appreciate you calling three oh three seven
Speaker 4: one three eight two five five. Ricky, what's going on? Ricky? Ricky?
Speaker 9: Hi Tom.
Speaker 23: I just wanted to call in and give K and
Speaker 23: H windows props up and to their salesman, Todd Keefer,
Speaker 23: I bought five windows from this morning.
Speaker 8: Great guys.
Speaker 5: I bought a bay window.
Speaker 18: A while back from I just wanted to give it
Speaker 18: Todd up.
Speaker 4: Hey, I really you know what, I really appreciate that
Speaker 4: because K and H. Here's something amazing about K and
Speaker 4: H Home Solutions. Okay, they've been around sixty five years
Speaker 4: with three owners. And you know what's great about that.
Speaker 4: When Henry sold to Bernie who I knew, and Ted
Speaker 4: I've known him for years. They they and Larry was
Speaker 4: there for a while. They did a great job, and
Speaker 4: then they sold to Lee Diamond. He's doing a great job.
Speaker 4: They keep that tradition going. So they also have that
Speaker 4: beautiful siding and everything. I know a lot of love
Speaker 4: hearing this.
Speaker 13: A lot of the employees, I don't mean from sixty
Speaker 13: five years ago, but from the last few years where
Speaker 13: they sold, they're all still there.
Speaker 4: It's still the same core people, just like the ownership,
Speaker 4: I know it.
Speaker 18: Uh.
Speaker 4: And for those listening, if your if you're looking for
Speaker 4: siding or windows or doors or whatever, they do, they
Speaker 4: do it all. Okay, it's K and H Home Solutions
Speaker 4: and it's three O three four to one seventy one hundred, uh,
Speaker 4: three oh three four to one seventy one hundred Cage
Speaker 4: Windows dot com. And I appreciate you doing taking the
Speaker 4: time to do that. Mark.
Speaker 13: I want to ask Brian something, Brian, this hurricane is
Speaker 13: going to be massive in Florida. And I know you
Speaker 13: guys don't sell in Florida, but let's just pretend we're
Speaker 13: all sitting in Florida. The difference the flood insurance that
Speaker 13: people that do have it generally coming from FEMA. My
Speaker 13: understanding is the maximum they'll get is two hundred and
Speaker 13: fifty thousand.
Speaker 4: So tell me if I'm correct.
Speaker 13: If your house is flooded forget wind damage other stuff,
Speaker 13: but flooded, the most they would get is two hundred
Speaker 13: and fifty if they just had the government backed FEMA insurance.
Speaker 13: But if the wind came through and like bleue the
Speaker 13: off and stuff, then their regular homeowners would step in
Speaker 13: for that coverage as long as it's not.
Speaker 8: Uh to do with flood. Is that how it works?
Speaker 14: Yep, exactly. So those are two different perils. So the
Speaker 14: peril of wind would be covered underneath the home owner policy,
Speaker 14: you know, with whatever appropriate deductible they have, But yes,
Speaker 14: the actual flood would be handled through FEMA. There are
Speaker 14: private insurers, at least here in Colorado. I can't speak
Speaker 14: to Florida if they don't offer it there or something,
Speaker 14: but that you can get higher limits than that two
Speaker 14: hundred and fifty.
Speaker 13: What's amazing to me is there's going to be a
Speaker 13: lot of homes that only have coverage for two hundred
Speaker 13: and fifty thousand dollars with flood and let's say they've
Speaker 13: got a five foot flood certificate and they're looking at
Speaker 13: fifteen feet of water coming in. I mean literally, that
Speaker 13: will wipe their house away with water. And if it's
Speaker 13: a million dollar, two million, three million dollar house in Tampa,
Speaker 13: my god. I mean, I'm not saying those would be
Speaker 13: swept away, because hopefully they have been built recently to
Speaker 13: where they're supposed to withstand quite a bit. But I
Speaker 13: don't know of anything that's got a five year flood
Speaker 13: certificate or a five foot with fifteen feet of water.
Speaker 13: I mean literally, it could wipe it away, and all
Speaker 13: they have is two hundred and fifty thousand dollars to
Speaker 13: deal with it well.
Speaker 14: And you know, FEMA's the policy with FEMA is also
Speaker 14: very limited and what it covers, and so you know,
Speaker 14: like FEMA doesn't the FEMA policy doesn't cover loss of use,
Speaker 14: so you have to live somewhere else. They're not going
Speaker 14: to pay for that. You know, there's like a lot
Speaker 14: of limitations dealing with the basement, like it's below grade. Now,
Speaker 14: that's not an issue there, I understand, but there's all
Speaker 14: sorts of limitations to a flood policy.
Speaker 13: Now, let me ask you this one in California where
Speaker 13: they're having these mud slides and landslides, and you'll see
Speaker 13: an entire house literally just go off into the ocean.
Speaker 4: You know what I'm referring to.
Speaker 13: So I understand the house is gone, and I assume
Speaker 13: they have coverage for the house, But the land's gone.
Speaker 13: That land that was right on the ocean is now
Speaker 13: in the ocean. You don't get anything for that, right,
Speaker 13: I mean, it's just simply gone.
Speaker 14: Yeah, there's no coverage for land on an insurance policy.
Speaker 14: It's you know, that's one of the first exclusions on
Speaker 14: any home owner policy as the land itself.
Speaker 13: So some of these smaller islands, it maybe I mean
Speaker 13: it truly, an entire island could be wiped out with
Speaker 13: something like this. There might not even be a place
Speaker 13: for people to rebuild, nor a way.
Speaker 4: That they could have started way waymark, are they saying
Speaker 4: it's gonna be that this is gonna be to.
Speaker 13: I have a feeling this is gonna be worse than Katrina.
Speaker 13: And let's all remember Katrina. The reason is Chopper actually
Speaker 13: put it to the beginning of the show. When we
Speaker 13: were talking, it was in a toilet bowl. And the
Speaker 13: reason it got so bad is when the levees broke
Speaker 13: the entire town is it's below sea level. Now Florida
Speaker 13: where it's hitting is not below sea level, but they're
Speaker 13: talking fifteen feet of water hitting Tampa. I mean, this
Speaker 13: thing is going to be devastating. People are going to
Speaker 13: be dead left and right. I have no idea how
Speaker 13: long it's going to be for power and internet in
Speaker 13: everything like that. My parents that are in Leesburg, which
Speaker 13: is basically south I think southwest of Orlando, they actually
Speaker 13: have hurricane warnings in the middle of the state. Tom
Speaker 13: It's absolutely insane right now, and trying to get out
Speaker 13: of there looks like an absolute nightmare.
Speaker 8: Everything.
Speaker 4: Well, what are your parents going to do?
Speaker 13: Well, they don't have any kind of evacuation orders, so
Speaker 13: they're just sitting there. God, it's amazing, man, I mean
Speaker 13: it's absolutely amazing. I think this is going.
Speaker 1: To be.
Speaker 8: I don't know about death toll.
Speaker 13: I think over the years, hopefully people get smart and
Speaker 13: when the officials say get the hell out, they get output.
Speaker 13: For some reason, people don't. But I think this could
Speaker 13: be as far as dollars, just absolutely devastating, devastating. I
Speaker 13: think a lot of people are gonna lose everything everything.
Speaker 4: I saw people today leaving saying goodbye to their home,
Speaker 4: knowing it's not going to be there. When you see
Speaker 4: the satellite pictures, God, it looks like a freaking science
Speaker 4: fiction movie.
Speaker 13: And it just went back. One of the things we
Speaker 13: were talking about off air with John Fuller. Folks listening
Speaker 13: out there, picture this. Remember this area just got nailed
Speaker 13: by a hurricane a couple weeks ago. When you get
Speaker 13: hit and saltwater gets into your house on these coastal communities,
Speaker 13: everything's got to come out of your house. Once saltwater's
Speaker 13: in your couch, your carpet, everything comes out, your TVs,
Speaker 13: everything goes in front of your house, and eventually you
Speaker 13: take some pictures for insurance and the dump trucks come
Speaker 13: around and they grab everything. The problem is all of
Speaker 13: that stuff is still sitting in front of the home homes.
Speaker 13: So when this new storm comes through in about thirty
Speaker 13: six hours with one hundred and fifty one hundred and
Speaker 13: twenty five mile hour winds, it's going to be picking
Speaker 13: up couches, televisions, all these trash, all this trash that's
Speaker 13: been put out front from the last hurricane is going
Speaker 13: to be thrown around like nobody's business. So you might
Speaker 13: not get flooded, but you might have a couch come
Speaker 13: through the side of your house. Bad stuff, man, really
Speaker 13: bad stuff. So what are your parents doing?
Speaker 4: Well?
Speaker 8: There?
Speaker 13: Once again, they're very inland I mean or no. But
Speaker 13: are they upset. No, they're not upset. They did look
Speaker 13: up different places to go. So in their town of Leesburg,
Speaker 13: there's three high schools I think they told me I forget,
Speaker 13: but all of them are set up with generators in
Speaker 13: case of powers gone for a while, and water, hopefully
Speaker 13: enough water to where if you if you have no
Speaker 13: electricity you can at least go down there cool off
Speaker 13: in the next couple weeks, get some food stuff like that. So,
Speaker 13: I mean, there's a lot of shelters already set up
Speaker 13: ready to go with generators and everything.
Speaker 4: All right, Brian, I have some insurance stuff coming up
Speaker 4: right after this again from condo and townhome owners.
Speaker 13: Oh hold on, let me let me even bring that
Speaker 13: conversation real quick with Brian into that. I mean, these
Speaker 13: people that have condos that are in a place like
Speaker 13: this in Florida. I mean, how does that work? Their
Speaker 13: possessions are covered by everything what is it, Brian? Everything
Speaker 13: inside of the dry wall if you will, or inside
Speaker 13: of the walls your own insurance covers.
Speaker 4: Oh you're talking about for hurricanes?
Speaker 13: Yeah, but how does that work? I mean, you know,
Speaker 13: let's face it, Tampa, Jacksonville, these places have absolutely gorgeous
Speaker 13: You can find a one two million dollar on the
Speaker 13: ocean town or a condo people own.
Speaker 4: What happens to.
Speaker 14: Those well, again, if you're talking about for their personal
Speaker 14: property or their drywall inside, it depends on what that
Speaker 14: hoa you know, regulation or documents say of who's responsible
Speaker 14: for what. But if you want it to be covered
Speaker 14: for flood, you've got to get flood insurance for that
Speaker 14: as well. They do offer flood insurance for condos for
Speaker 14: ho sixes.
Speaker 4: Wow.
Speaker 14: And so if the damage is caused by the flood,
Speaker 14: then you would have an exclusion there. If it's caused
Speaker 14: by the hurricane, then you have your guess.
Speaker 4: I'm going more to this question. I didn't phrase that right.
Speaker 13: They had one where the pool deck collapsed in Florida
Speaker 13: a couple of years ago, was horrible. A bunch of
Speaker 13: people died. It was a big condo, and they ended
Speaker 13: up shutting the whole thing down. In other words, they
Speaker 13: totaled it. There wasn't enough insurance to fix it. And
Speaker 13: then if if a big condo is hit so hard
Speaker 13: with this storm to where it's unlivable anymore, what does
Speaker 13: someone get that live there? I mean, okay, you get
Speaker 13: your contents, but it might to cost you a million
Speaker 13: bucks for the condo that you can't move back into.
Speaker 8: There is no coverage for that, is there?
Speaker 14: Well, I mean the HOA should have a policy for
Speaker 14: the for the actual exterior that and that would go
Speaker 14: to each of the members of each of the unit owners.
Speaker 13: Well, that's great if they could actually rebuild it, I
Speaker 13: guess if they had enough money.
Speaker 14: Well, but if they can't rebuild it, let's say it's
Speaker 14: not even possible to rebuild, there's gonna be a settlement
Speaker 14: of some kind, whether it be a cash out offer.
Speaker 14: But you're right, they're gonna lose money out of that.
Speaker 14: I totally agree.
Speaker 8: Yeah, I just.
Speaker 4: Yeah, Well you always, you always lose equity and a
Speaker 4: casualty loss always because equity cannot be insured, and that's
Speaker 4: what happened with the fires. You will lose your equity
Speaker 4: even if you're adequately insured, because they do not base
Speaker 4: it on appraised value. They base it on replacement costs.
Speaker 14: Right, So the only reason you wouldn't is if you
Speaker 14: rebuild and the value is still there, give it. Value
Speaker 14: of the house is higher than what the rebuild cost was.
Speaker 4: Yeah, but it's almost impossible. No, you're right, I'm Tom Martino.
Speaker 4: We have more coming up. Go with a sure thing
Speaker 4: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 4: a cent until you're content. Time for an insurance checkup free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three oh three seven seven to one Help. You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate Man dot com to list your home with
Speaker 4: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martino, your troubleshooter three oh three seven to
Speaker 4: one three talk three oh three seven one three eight
Speaker 4: two five five. Brian Burns is with us from Compass
Speaker 4: Insurance Group. We're getting a lot of a lot of
Speaker 4: questions really, and so the main questions we're getting about
Speaker 4: condos and town homes. So what they're saying is are
Speaker 4: you finding that more and more town homes or condos?
Speaker 4: The calls you're getting from people is it because they
Speaker 4: can't get insurance at all, or they're ridiculous deductibles or
Speaker 4: actual cash value? And it's mainly roof we're talking about
Speaker 4: with condos, right, is that the main issue right now?
Speaker 14: Yeah, unless it's in a fire risk area, then it's
Speaker 14: the entire you know thing is difficult to find insurance on.
Speaker 4: But yes, it's more than homes.
Speaker 8: Well, so because it's just a big exposure there, you know.
Speaker 14: And yeah, yeah right, yeah, yeah, yeah, So yeah we
Speaker 14: hear from me because that's.
Speaker 4: Like one insured, that's like one company having the entire neighborhood.
Speaker 14: One hailstorm destroys it, all right, and so it's it's
Speaker 14: become you know, very difficult to find insurance for hoa's
Speaker 14: that is affordable for them. And that's the point, you know,
Speaker 14: you'll what they used to pay, you know, a decent
Speaker 14: size HOA would have paid maybe one hundred thousand for
Speaker 14: premium is now being quoted you know, six hundred thousand,
Speaker 14: and they're going to have a deductible of you know,
Speaker 14: two million across the entire thing, and so they just
Speaker 14: they they've got to pass that or that's what they've
Speaker 14: done is pass that on to the individual unit owners
Speaker 14: and said, you know, you need to get insurance to
Speaker 14: cover yourself from these deductibles.
Speaker 8: And that's where that loss assessment comes.
Speaker 4: In at PITDD. You have an insurance question.
Speaker 12: Yeah, Brian, Yeah, Brian, speaking of condos, I just looked
Speaker 12: at the renewal paperwork for my condo policy, and specifically,
Speaker 12: there's an option that I purchased there. It's called Equipment
Speaker 12: Breakdown Coverage and it's from one of the big national carriers.
Speaker 12: And I looked on their website and it says that
Speaker 12: protects my equipment such as air conditioning in my case,
Speaker 12: a heat pump. But then there's also a section that
Speaker 12: says normal wear and tear is not covered.
Speaker 4: I know, right.
Speaker 12: So my question is when things wear out, they break down,
Speaker 12: and so this information seems to be in conflict with
Speaker 12: each other.
Speaker 8: Am I covered or not?
Speaker 14: Yeah, here's the problem, and Tom, you and I have
Speaker 14: talked or it's like warranty service, the home services warranties.
Speaker 4: They suck the home the like the Blue Ribbon policies
Speaker 4: and all that normal wear and tear is not covered.
Speaker 4: Owner abuse not covered, lack of maintenance not covered. Do
Speaker 4: you realize that that's ninety eight percent of everything?
Speaker 8: Yeah, that's why I'm asking what am I covered for?
Speaker 4: For catastrophic failure for no.
Speaker 14: Reason, sudden, direct, and accidental? That's what that's like? What
Speaker 14: which is almost nothing?
Speaker 4: Asking almost nothing? Almost nothing? You're answering the question is
Speaker 4: why I do not recommend home warranties.
Speaker 8: Oh, it's not a warranty, it's actually insurance.
Speaker 4: I know it's not, but it's the same thing.
Speaker 8: This is ridiculous.
Speaker 13: Yeah, but honestly, Brian, give a real example of what
Speaker 13: would be covered under that.
Speaker 4: I don't know. How is my air conditioner?
Speaker 13: Like someone takes a baseball bat to his air conditioner?
Speaker 13: Wouldn't that be covered anyhow? Under normal homeowners?
Speaker 14: Well, and yeah, to your point, like a lightning strike,
Speaker 14: but that that would be lightning and that would be
Speaker 14: covered by the policy.
Speaker 8: Anyways, I really.
Speaker 4: Can't there there aren't many.
Speaker 13: Yeah, I would be covered that wouldn't be covered by
Speaker 13: your astrophic breakdown. Yeah, but that's that's covered by your
Speaker 13: normal homeowners, isn't it.
Speaker 8: Well, let's say no, it's not.
Speaker 14: Let's say a refrigerator just goes out for no reason.
Speaker 14: It's it's not old, it hasn't shown where in tearor
Speaker 14: it's it's sudden and accidental. Something happens. You can put
Speaker 14: a claim in for that, and that could be something
Speaker 14: that could be covered.
Speaker 4: Or the compressor.
Speaker 12: Yeah, so my compressor breaks down, that's covered.
Speaker 8: Well, it breaks down as it just depends on what happens.
Speaker 4: If it's a lack of maintenance, well, there is no
Speaker 4: maintenance for a compressor. So let's say it's normal wear
Speaker 4: in tear. No, if it's just old, no.
Speaker 8: Yeah, if it's ten years old and it goes out
Speaker 8: and it's there.
Speaker 4: Are things, there are things that break. Okay, there are
Speaker 4: things that break, but it could happen, but very seldom.
Speaker 4: That That's why I'm telling people when you pay, And
Speaker 4: what I hate more than that is that pre existing
Speaker 4: conditions normal warrant here, right, So that that means you
Speaker 4: don't know if it's covered or not until it breaks down.
Speaker 4: So they're telling you pay now and find out what
Speaker 4: we cover later.
Speaker 12: Yeah, I think I'm not gonna like that answer.
Speaker 8: If I ever have to find out get it.
Speaker 13: I know someone that would if something did break, I
Speaker 13: know someone that could argue it and most likely get
Speaker 13: you paid.
Speaker 4: Though, who's that, Matt, Oh you mean paragram? Well if you're, yeah,
Speaker 4: but are you gonna call them on a compressor.
Speaker 12: For a refriger it's a ten thousand dollars. My neighbors
Speaker 12: replaced the heat pump. It costs ten thousand dollars.
Speaker 4: It's a bit well that's different the heat pump. And
Speaker 4: but you know what, that sounds a lot like a
Speaker 4: warranty to me. It does not sound like insurance. In fact,
Speaker 4: i'll bet you if you read it, it's not insurance,
Speaker 4: because insurance that's not insurance.
Speaker 14: Isn't well, there is tons of policies that you can
Speaker 14: put an endorsement for equipment breakdown.
Speaker 8: Okay, that is something, but they're actually insurance.
Speaker 14: It will not cover anything other than a sudden, direct
Speaker 14: and accidental loss, and so overall wear and terror is
Speaker 14: always going to be excluded. And that's where the problem
Speaker 14: comes into play. What's what happened?
Speaker 12: That's all I'm worried about. I'm not going to back
Speaker 12: my car into it, it's something.
Speaker 13: Does that line coverage work that same way like what
Speaker 13: I have?
Speaker 8: Brian, No, you mean service line?
Speaker 4: Yeah, because I'm saying it's not sudden.
Speaker 14: Service line is one of those really outliers, one of
Speaker 14: those bizarre coverages and insurance where they do pay wear
Speaker 14: and terror. Okay, it is covered if a route goes
Speaker 14: through it, if it's something that happens, if something happens
Speaker 14: to it, it will cover, you know, replacing that line
Speaker 14: up to whatever that dollar a matter.
Speaker 13: How many times do you see someone actually have a
Speaker 13: claim on line coverage all the time.
Speaker 8: One of the most common claims.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content
Speaker 4: the time for an insurance check up free no obligation
Speaker 4: comparison call Compass insurance paying too much your coverage at
Speaker 4: dozens of insurance companies find out now three all three seven,
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the Real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi'm Tom Martino,
Speaker 4: here three oh three seven one three talk seven one
Speaker 4: three each five five. Melanie, you have a story about
Speaker 4: a condo in Tampa.
Speaker 20: What's going on, Hey, Thomas, Melanie Rince. I just wanted
Speaker 20: to call and give a shout out.
Speaker 4: I have.
Speaker 20: My daughter is a junior at University of Tampa and
Speaker 20: this is the third time they've had to evacuate for
Speaker 20: major storms. This one, this one they were going to
Speaker 20: ride out, you know, they thought, because the other two
Speaker 20: didn't hit. But thankfully they came to their senses. But
Speaker 20: I just wanted to give a shout out. And you know,
Speaker 20: there's a lot of people in need down there.
Speaker 6: But these girls, these four girls.
Speaker 20: Are in this rinkety dank suv headed headed wherever they
Speaker 20: can to high Land. But they actually went and the foster.
Speaker 20: There's a dog foster fostering center near the university and
Speaker 20: they put it out a call if anybody can come
Speaker 20: pick up a dog to foster it. During the story,
Speaker 20: world went yeah, So the girls went and picked up
Speaker 20: one German, beautiful German shepherd. Her name is Maryland and
Speaker 20: she's traveling. But then they called the girls back and
Speaker 20: said that another, uh, another foster person returned Maryland's twin
Speaker 20: sister France. Oh another the other German shepherd, and could
Speaker 20: the girls come back and get Franny too. So we've
Speaker 20: got four girls, four nineteen year old girls in a
Speaker 20: rinketying suv with two giants German shepherds.
Speaker 4: Where are they going?
Speaker 20: Well, they went to Georgia University of Georgia and they
Speaker 20: got there and they were going to stay at another
Speaker 20: friends sorority house. But they can't have the dogs. So
Speaker 20: now they're headed to North Carolina.
Speaker 4: Holy crap, they're really getting out of there.
Speaker 20: Yeah yeah, I mean there's just nowhere. There's no hotels,
Speaker 20: there's no and so they're just driving.
Speaker 6: Anyways.
Speaker 20: I just wanted to share the story.
Speaker 4: Because it is Oh Melanie, my goodness, what good souls
Speaker 4: to go and rescue two dogs. Now are they going
Speaker 4: to bring the dogs back after the storm? What's this?
Speaker 11: Oh?
Speaker 4: Yeah yeah, really what they're going to start loving them? Melanie?
Speaker 4: Thank you, thank you very much. Okay, Ernie has an
Speaker 4: insurance question, Ernie, go ahead, we got compass with us today.
Speaker 4: Go ahead.
Speaker 7: It's Tom.
Speaker 19: I have a stream baller and uh it's a the
Speaker 19: lines that takes the steam up to the radiators.
Speaker 4: Are yeah, yeah, yeah, yeah, insurance those well, well, insurance
Speaker 4: doesn't cover any of that. Well, it depends what happens
Speaker 4: to it. Well, Mark, give me an example of where
Speaker 4: a boiler covered someone breaks in and beats it up
Speaker 4: with a baseball. Come on, Ernie, Ernie, what we're talking
Speaker 4: about is normal insurance does not cover breakdowns. Okay, amazing,
Speaker 4: is that what you're asking about.
Speaker 11: I'm talking about the lines as the leak.
Speaker 14: Okay, if the line breaks, So what would happen with
Speaker 14: insurance is the damage caused by the leak would be covered,
Speaker 14: but they wouldn't cover the actual machinery or the line
Speaker 14: itself to be fixed.
Speaker 8: But they would fix they would have to pay for
Speaker 8: the damage.
Speaker 13: Car of course, that could be something that that other
Speaker 13: person's insurance would cover. Though, right that last caller we
Speaker 13: had where the actual insurance company had a policy on
Speaker 13: his boiler system.
Speaker 4: On an equipment.
Speaker 14: Breakdown, there is specific coverage for boiler insurance, like it's
Speaker 14: a commercial type of policy, got it. And those are
Speaker 14: more comprehensive than talking about like the you know, equipment
Speaker 14: breakdown that way.
Speaker 4: But but even with equipment breakdown, remember it has to
Speaker 4: be such a distinct breakdown. Hey, Charlie, what is your
Speaker 4: question for Compass?
Speaker 9: Charlie, Yes, yes, can you hear can you hear me?
Speaker 4: Yes? Yes we can, sir.
Speaker 7: Okay, So I just had a question. My mom's insurance
Speaker 7: went went from like nineteen hundred dollars a year on
Speaker 7: her house to forty eight hundred what.
Speaker 4: Wait wait wait wait wait wait wait wait wait more
Speaker 4: than doubled. Yes, but but test she had a lot
Speaker 4: of claims.
Speaker 7: I mean she had a water backup claim. I'm back
Speaker 7: two years ago.
Speaker 4: What about a roof?
Speaker 7: Her roof was replaced back in twenty twelve. But it's
Speaker 7: not a.
Speaker 4: Class for that's okay? Did you Ryan shot?
Speaker 7: What's that?
Speaker 4: Did you shop around to other companies?
Speaker 7: I've got a quote from USA, she's with Travelers. They
Speaker 7: got a quote from the USAA and a quote from
Speaker 7: State Farms.
Speaker 4: You better do the insurance checkup.
Speaker 13: By the way, Yeah, it's free, and you're going to
Speaker 13: have like twenty companies.
Speaker 4: Man through Compass, I mean or yeah, it's free, there's
Speaker 4: no obligation.
Speaker 7: Well, but what I'm being told is that the insurance
Speaker 7: companies now are looking at aerial views and if you
Speaker 7: have this house is almost eighty years old.
Speaker 13: That could be true, but it still doesn't matter. They're
Speaker 13: still calculator.
Speaker 4: They're doing aerial views and doing what tell.
Speaker 7: Me what aerial views? And if you have trees over
Speaker 7: your roof that they just basically don't want to ensure.
Speaker 14: They'll just require it be trimp back. I'm guessing is
Speaker 14: what is what would happen if they did earl of
Speaker 14: view they would say these these Yeah, they don't want
Speaker 14: branches touching your roof.
Speaker 18: Yeah, but you shouldn't.
Speaker 13: I mean, that's common sense though, right guys, yes.
Speaker 4: Right, Why don't you call them though? Three oh three
Speaker 4: nine ninety six, nine thousand, for the hell of it.
Speaker 13: And seriously, and let us know.
Speaker 4: Now, coming up, we'll discuss Valencia apartments, which, by the way,
Speaker 4: it's Valencia condos. They believe the Club of Valencia. It's
Speaker 4: it's been the worst thing I have ever heard of
Speaker 4: in my life. And they need to get they truly
Speaker 4: need to get a public adjuster mark. When you hear
Speaker 4: the story, I'll go over it again. It is unbelievable.
Speaker 4: More coming right up, Hi, Tom Martino here three three
Speaker 4: seven on three talk Anastasia. Were you living in Club Valencia?
Speaker 2: Hi?
Speaker 15: No, I was not living there.
Speaker 2: I own a unit there.
Speaker 4: And you were renting it out unit God, I want
Speaker 4: to explain what's going on? Did you guys? Did a
Speaker 4: start with a fire?
Speaker 15: It started with one fire in November of twenty two.
Speaker 4: And then they found asbestos? Is that right?
Speaker 2: That's correct?
Speaker 4: And has in it? Sat that vacant the entire project?
Speaker 4: Didn't they vacate it?
Speaker 18: Yes?
Speaker 4: And how many owners were displaced?
Speaker 15: There were one hundred and sixty four units affected after
Speaker 15: the second fire. The first fire included eighty units. The
Speaker 15: second fire included the balance of the others to be
Speaker 15: boarded up in chain linked. Are you closed up from
Speaker 15: that point forward?
Speaker 4: Now here's the deal. Not only are they displaced, Brian,
Speaker 4: but there's all kinds of lawsuits going on and the
Speaker 4: insurance companies are not paying. Right, you didn't get paid,
Speaker 4: did you? Anastasia correct? No one's paying anything? Did they?
Speaker 4: What is the HOA doing? Did they get together to
Speaker 4: hire a public adjuster or something?
Speaker 15: They did the AKA they had a public adjuster.
Speaker 4: And is the public adjuster? Well, is the public adjuster
Speaker 4: doing anything?
Speaker 15: He's being very proactive on behalf of the HOA and
Speaker 15: the owners. He has good advocated with a Rapo County
Speaker 15: to have the value of the property reflect what has
Speaker 15: happened so that property owners are no longer paying on
Speaker 15: the full value.
Speaker 4: Well, what's going to happen, anaesthesia? Are our insurance company?
Speaker 4: Is the insurance company going to finally pay?
Speaker 15: It depends on the outcome of the current lawsuits.
Speaker 4: Why is the insurance company refusing to pay? To begin with?
Speaker 4: Why did they not pay.
Speaker 15: The master carrier? It's my understanding the master carrier use
Speaker 15: some technicalities in the coverage to deny payment. We like,
Speaker 15: what do you remember something to do with the smoke alarms?
Speaker 13: Oh, like they had to be up to a certain
Speaker 13: criteria in order for the coverage to kick in.
Speaker 4: Yes, Brian, have you ever heard of that their fire
Speaker 4: reduction equipment is not proper? It's or fire prevention whatever.
Speaker 14: It's very hard to imagine that there was a clause
Speaker 14: in there that if you didn't have a smoke alarm
Speaker 14: up to date, that they can Who is who was
Speaker 14: the insurance carrier?
Speaker 15: You know, I'm not sure the name of the carrier.
Speaker 15: They are out of another state.
Speaker 4: Well, what about your individual what about your individual policy?
Speaker 15: Well, in my own case, and I can't speak for others,
Speaker 15: but let's.
Speaker 4: Get her up in the morning. Tom, I want to
Speaker 4: get you back on We got to talk about this issue,
Speaker 4: and I'd like to get Matt's perspective on it as well.
Speaker 4: And maybe you can give us the number of your
Speaker 4: public adjuster. I'm Tom Martine. Don't forget your free insurance
Speaker 4: check up with Compass Insurance Group and that's three h
Speaker 4: three nine nine six nine thousand. Save all your problems
Speaker 4: for me.