Speaker 1: Thank y'all.
Speaker 2: Ripped up new need advice when you don't happen, come
Speaker 2: running's just as fast as we can. Shooter's gonna help com.
Speaker 3: Man Dix is the Troubleshooter Show.
Speaker 4: Now, Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three talk seven one three
Speaker 4: eight two five five who I almost didn't make it.
Speaker 4: I was like, wait a minute, what what's going on here? Anyway,
Speaker 4: welcome to the show. We're here to help you in
Speaker 4: We want to solve problems, answer questions, taking plaints, make.
Speaker 1: Your life a little easier.
Speaker 4: And uh, I think Major Mark Major might be remote today.
Speaker 4: I don't know Demark, I haven't heard are you on?
Speaker 4: And I know I don't see his ugly face on camera.
Speaker 4: So welcome to people to the show. It is the
Speaker 4: Troubleshooter Show where we troubleshoot things. We solve problems, we
Speaker 4: answer questions, we take complaints.
Speaker 1: We really do a lot to help people, if we can. Now.
Speaker 4: Bob Logan's with us from plumb Line Services. They do
Speaker 4: a lot to help people. Of course, people call them
Speaker 4: when they're already in trouble, which is the wrong.
Speaker 1: Thing to do. By the way I always tell people,
Speaker 1: call before you need help, Call before you need help.
Speaker 1: What does that mean?
Speaker 4: That means like, we all know we're gonna have cold snaps,
Speaker 4: call when it's not cold to get things checked. We
Speaker 4: all know we're gonna have a wet season. Make sure
Speaker 4: you're some pumps and everything's working. We all know we're
Speaker 4: gonna have hot season. Make sure your seat's working.
Speaker 1: I mean, Bob, I swear to you if we could
Speaker 1: just get people to do things just away from the crowd,
Speaker 1: the way from the crowd.
Speaker 5: What do you have to say about that? I mean,
Speaker 5: go ahead, sir, You're absolutely right, Tom. And you know
Speaker 5: if people understood this. You know, everybody knows you're supposed
Speaker 5: to take your car in for service every so many miles.
Speaker 5: If they did that with their furnace and AC, their
Speaker 5: plumbing electrical system, it would save every homeowner thousands and thousands.
Speaker 1: And people feel pressured and make dumb decisions, and.
Speaker 4: It's usually when they have not done things ahead of time.
Speaker 1: Is that easy?
Speaker 4: I mean, I don't get it. They just don't do
Speaker 4: things ahead of time. So Bob, right now, what would
Speaker 4: you be doing. I'd be working on my AC. I
Speaker 4: would make sure that you're there's no rush if they
Speaker 4: need anything. You guys aren't rushing around with a heat wave.
Speaker 5: No exactly. And you think, well, it's March, I'm not
Speaker 5: going to use my air conditioner for at least two
Speaker 5: or three months. Well, that's the best time to do anything.
Speaker 5: So like we got a great special seventy nine dollars.
Speaker 5: We'll check out your entire air conditioning system. Make sure
Speaker 5: it's going to be ready so when you do need it,
Speaker 5: you don't have to worry about it. When it gets
Speaker 5: really hot. You won't be fighting the crowds.
Speaker 4: All right, Bob Logan plumb Line Services three h three
Speaker 4: five A six ten eighty six Plumbline Services dot Com.
Speaker 1: We're gonna go to the phones.
Speaker 4: And by the way, people say, Tom, sometimes when you
Speaker 4: have guests on, it sounds like you're doing a commercial. Well,
Speaker 4: it does a lot of things I do here sound
Speaker 4: like a commercial. But what is a commercial. A commercial
Speaker 4: is a paid advertisement to put out a message, right,
Speaker 4: and people have very little choice about paid commercials. On
Speaker 4: this show, we have a lot of choice. We can
Speaker 4: reject them because if they're not good people. But the
Speaker 4: stuff you hear on the show is not a paid commercial.
Speaker 1: There are people we invite here because of expertise and
Speaker 1: things I talk about that I think is a good idea.
Speaker 6: No one's paying me to say that Chris has a
Speaker 6: problem with a trailer. Chris, let's go back to your
Speaker 6: call here and what was your original problem?
Speaker 1: Go ahead, let's continue because I don't see the notes here,
Speaker 1: but let's talk about it.
Speaker 7: Yeah, Hi, Tom, longtime listener. I had a trailer jack
Speaker 7: knife and overturn. I was going to at the trailer
Speaker 7: turned back over, but the storage container I was hauling
Speaker 7: needed to be towed and it's currently sitting in a record.
Speaker 1: When did it? When did when did a jack knife?
Speaker 7: It was the end of January?
Speaker 1: Okay? And was it your fault?
Speaker 7: Yeah? What happened is I had a a tire team
Speaker 7: malfunction and it caused me to slide slide back down
Speaker 7: a hill and and cause the trailer to jack knife
Speaker 7: and then lose the container I was hauling.
Speaker 4: Okay, So when you say you lost the container, what
Speaker 4: do you mean by that?
Speaker 7: It basically over the trailer overturned and the the container
Speaker 7: that I was hauling was then ended up being on
Speaker 7: its side.
Speaker 1: And uh on the mountains so okay, so what is
Speaker 1: your question?
Speaker 7: So question is is that Progressive is uh not covering
Speaker 7: the toe and and the storage fees.
Speaker 4: But they're not covering what part of it? I mean,
Speaker 4: what are they not covering the tow? You mean towing
Speaker 4: your trailer that was overturned?
Speaker 7: Yeah, I was. I was able to get the trailer
Speaker 7: overturned and and hook back up the vehicle, but it
Speaker 7: was a container. I wasn't able to get back on
Speaker 7: the on the trailer and so okay, and.
Speaker 1: Then what is it what is Progressive not paying?
Speaker 7: They're not paying for the towing of the container.
Speaker 1: Okay, so they paid for everything except when you say
Speaker 1: towing of the container. Where was that container towed?
Speaker 7: It's uh, it's currently housed in wrecking yard in Idaho Springs.
Speaker 1: But where was it towed from the scene of the
Speaker 1: accident to a from storage yard?
Speaker 7: Yes, yeah, it's from the scene of the app Okay.
Speaker 4: And that's the part, that's the part you wanted to
Speaker 4: pay for. Was the stuff and the container destroyed.
Speaker 7: There was nothing in the container. It was just an
Speaker 7: empty container.
Speaker 1: Oh okay. So what was that charged to toe that?
Speaker 7: It was five thousand to get it up onto a
Speaker 7: tow truck and then two thousand dollars in storage fees corrently.
Speaker 1: Five thousand plus two thousand.
Speaker 7: Yes, so you.
Speaker 1: Had you had to have it have the container retrieved
Speaker 1: and brought to a like it was an empty container.
Speaker 1: What was the rush.
Speaker 7: The rush was to get it off the mountain road
Speaker 7: so nobody would hit it or get into another accident.
Speaker 1: So you had to have the container retrieved and towed
Speaker 1: to storage.
Speaker 7: Right.
Speaker 4: Okay, Now that's a pretty easy thing to figure out.
Speaker 4: I have Brian burns On with us from Compass Insurance Group.
Speaker 4: Brian is our insurance expert as well as an excellent
Speaker 4: broker for people the Insurance Help Center dot com or
Speaker 4: Compass Insurance. Brian, this is a matter of policy. I mean,
Speaker 4: if you're towing something. Let's just say I'm towing something.
Speaker 4: I'm asking you, Brian, me, not this guy. I'm driving
Speaker 4: down the street and I'm towing something. Let's say I
Speaker 4: rented a U haul and it jackknife and hurts my car.
Speaker 1: What's paid for? What's not? And the U haul trailers destroyed?
Speaker 1: What happens?
Speaker 8: Yeah, So usually a trailer, your car would still be covered,
Speaker 8: you know, because it's insured. Trailers are only covered for
Speaker 8: physical damage for the damage to the trailer themselves. If
Speaker 8: they are insured, they have to actually have insurance for
Speaker 8: physical damage. The liability that comes from the trailer. If
Speaker 8: the trailer runs into another car, that extends from your autopulse,
Speaker 8: so the liability automatically extends while it's attached. The thing
Speaker 8: about this one is a little unique is obviously it's
Speaker 8: it's the container that was being poled. It's not the trailer.
Speaker 8: It's if I understand correctly, it's something that Yeah, so I.
Speaker 1: Was going to go there.
Speaker 4: So he had a trailer, and this is your trailer, right, Chris,
Speaker 4: So your trailer's being covered, your your vehicle's being covered
Speaker 4: rental trailer.
Speaker 7: Yeah, it was a rental trailer that I had a
Speaker 7: damaged waiver on. So that that part's covered through the
Speaker 7: rental company, got it.
Speaker 4: Yeah, and then and then your vehicle's covered. And so
Speaker 4: the only thing not covered is this container. What I
Speaker 4: want to know is this, Why do you feel your
Speaker 4: vehicle insurance should pay for a container that was on
Speaker 4: a rented trailer. I'm curious what brings that up to
Speaker 4: begin with, why do you believe they're responsible for that?
Speaker 1: To begin with, a.
Speaker 7: Part of the accident that happened, and.
Speaker 4: Okay, Brian, it was part of the accident, so he's
Speaker 4: expecting this.
Speaker 1: Can you hold on?
Speaker 4: I'd like to get some explanations on this. Hang on, Chris,
Speaker 4: so what happens? I mean, we are confused about coverage.
Speaker 4: I know I am not on regular coverage, but stuff
Speaker 4: like this.
Speaker 1: What if I had my car.
Speaker 4: And it's hit and I had some expensive tools in
Speaker 4: the car, are they covered? Or I have something in
Speaker 4: the trunk a knee bike I don't know really, or
Speaker 4: on a trailer hitch. We'll examine this and more coming up.
Speaker 4: I'm Tom Martino three zero three, seven to one to
Speaker 4: three Talks seven one three eight two five five.
Speaker 1: Waterpros dot net.
Speaker 4: The best water systems at the lowest prices, the Easter
Speaker 4: Special right now, the whole house system with drinking water Forever,
Speaker 4: Chemical Protection Softening thirty one ninety five. You cannot touch
Speaker 4: these prices anywhere three oh three eighty six two five, five,
Speaker 4: five four. Go with a sure thing Denver's best roofer
Speaker 4: Excel roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation in comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 1: Hi Tom Martino here, Welcome to the show.
Speaker 4: Three O three seven one three talks seven one three
Speaker 4: eight two five five. So going back to this scenario,
Speaker 4: and I'll bring up Mark in the Gang in a minute. Here, Mark,
Speaker 4: you can chime in it in chime. But those streaming
Speaker 4: the show, I don't even want to hear from you,
Speaker 4: you know.
Speaker 1: And whenever we stream this show on YouTube.
Speaker 4: I love my morons, but they have this sneaky suspicion.
Speaker 4: They run the show, and I don't know where the
Speaker 4: hell they got it, but they have all their comments.
Speaker 4: They tell me what to do and how to do it.
Speaker 4: They tell me how I look, if I look better good.
Speaker 4: They complain about my breathing or my sniffling, and I
Speaker 4: do have some sniffles today. But it's amazing to me.
Speaker 4: They're my directors. And they're morons. So I have a
Speaker 4: bunch of morons. And then the downloaders are different. They
Speaker 4: write to me after the fact because we have not hundreds,
Speaker 4: but dozens of thousands, fit out fifty thousand or so
Speaker 4: a month, and they're downloading this show at all different times.
Speaker 4: And markle get comments from something we talked about three
Speaker 4: months ago where we got to figure out what is
Speaker 4: he talking about?
Speaker 1: Anyway?
Speaker 4: To make long story short, anyway, bottom line is this,
Speaker 4: we do the best weekend morons on YouTube.
Speaker 1: Like her or leave it. I'm just kidding. We love you.
Speaker 4: Now for those everyone else listening and on the podcast
Speaker 4: and all of the downloaded podcasts and the iHeartRadio app,
Speaker 4: you can call us twenty four to seven everyone at
Speaker 4: three oh three Martino and.
Speaker 1: We will respond to you so you never have to wait.
Speaker 1: So if you're listening you're wondering, one is this show on?
Speaker 1: How do I catch them on the air? You don't
Speaker 1: have to worry about that. Just call three oh three
Speaker 1: Martino three oh three six, two seven, eight, four sixty six.
Speaker 1: We'll call you back and get you on the live show.
Speaker 4: So no matter when you're listening to this, three oh
Speaker 4: three Martino gets your help. So Brian Burns one of
Speaker 4: our insurance experts we use a lot. In fact, Brian,
Speaker 4: I think I had a question for you over the weekend.
Speaker 4: I wanted to bug you, but I didn't. Anyway, Brian
Speaker 4: Burns has is our expert. He's just our go to person.
Speaker 4: And Brian, what is covered in damn car? When I
Speaker 4: get in an accident or on a trailer I'm towing,
Speaker 4: and what's not covered?
Speaker 8: Okay? So personal property is not going to be covered
Speaker 8: orneath an auto policy. So the vehicle, the auto insurance
Speaker 8: is there to cover the car, anything you're carrying or
Speaker 8: anything inside the car. You're common about an e bike
Speaker 8: or whatever it might be, would be if you're running
Speaker 8: coverage for that, you'd have to look at your property insurance.
Speaker 8: This is a bit different because it's not whatever the container.
Speaker 8: I'm sure the container could be covered by his home insurance,
Speaker 8: but I don't see the home insurance covering for storage
Speaker 8: or retrieval of the of the of this whatever it
Speaker 8: was the container that fell off of the trailer.
Speaker 1: Okay, it's just this container that had nothing in it.
Speaker 1: But they don't have to do ye.
Speaker 8: No, I don't know if they containers got anything.
Speaker 1: I don't know, and even if it was, they don't
Speaker 1: have to cover it.
Speaker 8: Well, the auto policy doesn't, but he could get coverage
Speaker 8: for his home policy potentially if if he owns the
Speaker 8: container his personal property.
Speaker 9: I guess you could look there.
Speaker 10: I don't.
Speaker 8: I obviously don't probably worth a claim.
Speaker 7: On the web side.
Speaker 4: But we're not talking about damage to it. What about
Speaker 4: We're talking about the going of it, the retrieving of it.
Speaker 8: Right, And I don't see, I mean, I'm I don't
Speaker 8: see how that would be covered underneath either policy.
Speaker 4: Okay, so chrishost it was a rented trailer.
Speaker 1: Right, it was rented.
Speaker 7: It was a rented trailer, right?
Speaker 1: Your container?
Speaker 7: Yeah, I owned the the container.
Speaker 1: How long have you owned it?
Speaker 7: I bought it at auction let's see late October.
Speaker 1: How much did you pay for it?
Speaker 7: Maybe a hundred bucks.
Speaker 1: Sixteen hundred? Yeah, and you want them to pay how
Speaker 1: much for retrieval and storage?
Speaker 11: Yeah?
Speaker 7: I think the toe company is charging me is about
Speaker 7: seven thousand?
Speaker 1: Well give it. I think he's screwed.
Speaker 7: Yeah.
Speaker 9: I don't way to get coverage for this.
Speaker 8: I really don't.
Speaker 1: And Mark, why do you what do you? What do youtive?
Speaker 9: Well?
Speaker 12: My perspective, Mark, what's your perspective? The homeowners isn't going
Speaker 12: to cover it. Plus we don't even know if he
Speaker 12: has homeowners. But if he doesn't have homeowners, I don't
Speaker 12: see any coverage coming from the auto because it's a
Speaker 12: content and believe it or not, because it was on
Speaker 12: a trailer, that's the content.
Speaker 4: Yeah, this container, man, it's not even worth They're not
Speaker 4: going to pay more for the towing and storage in
Speaker 4: the cars. Like let's say it was a car, same thing, right, Brian,
Speaker 4: even if there was coverage, WO wouldn't cover it. Even
Speaker 4: if there was coverage, it would be put off at
Speaker 4: the value of the view of the value of the
Speaker 4: thing you lost.
Speaker 1: You're not going to be coverage, Chris.
Speaker 8: Yeah, that's what would be covered, is the actual item.
Speaker 8: I mean, and in this case that's sixteen hundred bucks.
Speaker 9: Uh, they're not going to.
Speaker 8: Cover for for you know, the storage or the retrieval
Speaker 8: of it. I just I don't see in a policy
Speaker 8: where you could find language that would would cover that
Speaker 8: kind of loss, not for not for personal property. Right,
Speaker 8: That's what I mean.
Speaker 1: So Chris, you better what what are they saying they're
Speaker 1: going to do if you don't pay this, take the container, let.
Speaker 7: Them have it. Really want to do that?
Speaker 1: Is it container all destroyed? Is it? Is it boogers?
Speaker 7: Yeah, it's it is damaged.
Speaker 1: Yeah, yeah, man, you got a problem.
Speaker 4: But then when you say a container, when you it
Speaker 4: was a container, is it kind of like a u
Speaker 4: stoic container that they put out in front of your
Speaker 4: house that you fill.
Speaker 1: Up or is it like a bed of a truck?
Speaker 1: How big is it?
Speaker 7: It's it's about an eight by thirteen and it's a
Speaker 7: military container that expands out to thirteen by twenty.
Speaker 1: Is it like corrugated steel? Yes, it is like a train,
Speaker 1: like a small train car.
Speaker 7: I wouldn't say it's that big, but it does weigh
Speaker 7: about forty like four thousand pounds forty four.
Speaker 1: Yeah, you're gonna have to negotiate with them. You're you're
Speaker 1: gonna have to negotiate with them. Seriously. You have no
Speaker 1: coverage here from our experts.
Speaker 7: From what I think from auto or homeowners, not for
Speaker 7: what you're looking for, not not for for storage and
Speaker 7: retrieval of personal property. It's just it's it's just a
Speaker 7: very strange loss, Like it's the actual you know, the
Speaker 7: actual container could have coverage possibly, but I wouldn't be
Speaker 7: worth making a claim for sixteen hundred bucks knowing that
Speaker 7: a home policy is I have a much higher deductible.
Speaker 8: And on the auto side, I don't there.
Speaker 7: I don't see anywhere you would get a coverage for it.
Speaker 1: I don't see it either. I don't see it either.
Speaker 4: Listen, I'm sorry about that, Chris three oh three seven
Speaker 4: one three talks seven one three two five five. Brian
Speaker 4: Burns does an insurance check up in like three sentences
Speaker 4: or less.
Speaker 1: Tell us what that is.
Speaker 8: So you send us your declaration pages and a few
Speaker 8: answers to questions. We shop it around and we see
Speaker 8: if we can find a better option for you.
Speaker 1: And listen, here's what I love about this.
Speaker 4: You can't lie because if you say, hey, you got
Speaker 4: a bad deal, then I'd say, okay, Brian, beat it.
Speaker 4: And if you can't beat it, then I can't have
Speaker 4: a very bad deal. So see, these free opinions mean
Speaker 4: something from credible companies because.
Speaker 1: You we can do better unless we can do better.
Speaker 4: So if you want to free insurance check up three
Speaker 4: oh three nine nine six nine thousand. Three oh three
Speaker 4: nine nine six nine thousand, Thanks Brian, appreciate that, and
Speaker 4: it's the Insurance Health Center dot com. A dear friend
Speaker 4: Brian Burns and this family. Okay, so a CMG financial
Speaker 4: do you know what that is? That's a mortgage company. Yeah,
Speaker 4: they're still around. People say, wait, what happened to mortgage company?
Speaker 4: I don't hear anybody advertising or hardly anyone. CMG Financial.
Speaker 4: They do reverse loans, believe it or not. They're doing
Speaker 4: reverse loans. They're also doing the all in one loan.
Speaker 4: That's the loan that's a thirty year line of credit.
Speaker 1: You borrow it up and pay it down at will,
Speaker 1: every dime in the bank accounts against average jelly balance
Speaker 1: three oh three eight eight, two sixty six seventy nine.
Speaker 1: Partner and Lending dot com.
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: Leave time for an insurance check up 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 help. You'll think you're
Speaker 4: his only customer when you choose Frank Durand the real
Speaker 4: estate man dot com to list your home with Remax
Speaker 4: Alliance three all three nine two zero sixteen twenty two.
Speaker 4: Hey Tom Martino, your troubleshooter three all three seven on
Speaker 4: three eight two five five seven on three talks seven
Speaker 4: one three eight two five five. So we aren't we
Speaker 4: were not communicating with the morons today by mistake.
Speaker 1: I'm sorry, morons. You deserve better than this.
Speaker 4: And uh, also for those of you on the apps
Speaker 4: later on listening, remember we're talking about stuff, and I
Speaker 4: know some of you have texted me for follow ups
Speaker 4: because you don't always get to hear the end results.
Speaker 4: So let's go over some of those. And meanwhile, if
Speaker 4: you have a problem, question or complaint, give us a call.
Speaker 4: Three oh three seven one three talks seven one three
Speaker 4: eight two five five. So something happened with a Social
Speaker 4: Security payment mark you took. Someone assessed his debit card
Speaker 4: on Social Security and he was his debit card was closed.
Speaker 4: He was sent another one, but he didn't activate the
Speaker 4: new one and when he checked the balance, I guess
Speaker 4: money had already had been taken down.
Speaker 1: It's way worse than that. DOC is working on that one.
Speaker 4: Okay, Doc, can you give us an update. First of all, doc,
Speaker 4: am I summarizing this correctly? Money kept going missing out
Speaker 4: of his debit card.
Speaker 1: Yeah, here's this.
Speaker 13: Eye spoke to his friend Alice if taking care of it.
Speaker 13: I spoke on Friday and she was going to.
Speaker 1: Get back to me.
Speaker 13: I left two messages. We were not able to get
Speaker 13: in touch over the weekend, so I will try it
Speaker 13: again this afternoon.
Speaker 1: Yeah. I gave us some advice. Clear that it does.
Speaker 1: How can a new card get hacked? The old one
Speaker 1: got hacked, he sent the new one. How does that?
Speaker 13: I'm trying to get all the details, Tom, I don't
Speaker 13: have all the details. So give me a twenty four
Speaker 13: hours and I'll get a lot more.
Speaker 4: No, no, no, no, that's fine. But you know, why
Speaker 4: do people choose the debit card. I don't understand that part, man,
Speaker 4: I don't know.
Speaker 13: Because you can't get hit with late fees or interests.
Speaker 1: You only can take out as much as you have
Speaker 1: in your account. You can't overdraw it. So people rather
Speaker 1: have a debit card for their payment, and that's what
Speaker 1: they live off of.
Speaker 13: Well, if you know that if you have a credit card,
Speaker 13: you can charge more than you can afford. If you
Speaker 13: have a debit card. You can only charge what you
Speaker 13: have in the bank to cover it. You can't overdraw
Speaker 13: your debit card.
Speaker 1: So he has direct deposit and then the debit card
Speaker 1: is his from the account.
Speaker 12: I figure out there, no, no, no, it loads right
Speaker 12: onto that card. Guys, Oh it does, Yes, it loads
Speaker 12: right onto the card. Is my complete understanding.
Speaker 1: I guess I never knew about that option. Okay. They
Speaker 1: do this three so it's like unemployment. It's done a lot.
Speaker 4: Okay, so thanks to somebody wanted to know about that one.
Speaker 4: Then there was an auto shop and uh from Wilma,
Speaker 4: but I don't have many notes on that.
Speaker 1: Anybody recall that?
Speaker 4: Then we have a Tiffany's husband passed away and she
Speaker 4: moved and rented out the house. Rented it for three months,
Speaker 4: and then the tenants said they wanted to move out
Speaker 4: due to toxic mold.
Speaker 1: They filed the lawsuit against her. Anybody knows this Mark?
Speaker 1: Do you recall what happened with that? Was it that Friday?
Speaker 1: He's a widow the sixth? I don't remember that one.
Speaker 1: Say it again, what was it? Tiffany is a widow? Oh?
Speaker 1: I know all about the U Yes, okay, what do
Speaker 1: you want to know about it? Is her hustible Well, her.
Speaker 4: Husband passed away, and her husband passed away, and she
Speaker 4: moved out of their family home and rented it out,
Speaker 4: and now the tenants are suing her for.
Speaker 12: Toxic well, the tenants are shaking her down. Basically, they're
Speaker 12: going to file a lawsuit. I don't know if it's
Speaker 12: been filed yet. We're kind of waiting for them to
Speaker 12: file it. Well, that's not true. They actually did file it,
Speaker 12: but she hasn't received a copy of it yet, so
Speaker 12: we don't know how much they're asking for. Our guesses
Speaker 12: between fifty and one hundred. They're saying because she was
Speaker 12: negligent in her rental house and allowed mold to grow,
Speaker 12: that they have some issues, so they want their rent
Speaker 12: money back and some money for health. But once again,
Speaker 12: until we actually see a copy of the lawsuit. The
Speaker 12: biggest problem was she has no insurance. Typically you would
Speaker 12: hand this over to your homeowners, but the problem was
Speaker 12: when she moved out of that primary residence and rented
Speaker 12: it out, she never changed her coverage to a tenant
Speaker 12: landlord's situation.
Speaker 1: So she's going to be denying. Wait a minute, maybe
Speaker 1: we may we may want to ask we already had
Speaker 1: them on for it. What did he say? He said
Speaker 1: it wouldn't cover they would deny on that behalf.
Speaker 12: And then the second part is there's probably stuff in
Speaker 12: her policy about mold in general. She's gonna be shooken down,
Speaker 12: you know, she's it's a total shakedown in my opinion,
Speaker 12: total shakedown.
Speaker 1: But in telling you that, next little bob Logan on something,
Speaker 1: bob Logan, I'm going to bring you up right now
Speaker 1: in your you're on your can. I just want to
Speaker 1: ask you, guys come across mold a lot, I mean
Speaker 1: lotter mediation and a lot of leak detection and fixing,
Speaker 1: and do you come across mold and.
Speaker 11: What do you do you or not?
Speaker 5: You know, we really don't, Tom Surprisingly, we don't being
Speaker 5: in the in that business opening up walls with leaks
Speaker 5: and everything. Typically when people call us though, it's it's
Speaker 5: because of an active leak and uh, you know, as
Speaker 5: you know mold it needs to after a while, right, yeah,
Speaker 5: And he's the continual, continual drip or leak, usually not
Speaker 5: from a pressurized pipe because you know, it's usually a
Speaker 5: leaky valve or something like that behind the wall and
Speaker 5: h but it also needs oxygen.
Speaker 4: To Okay, well you don't really come across that, which
Speaker 4: we really don't because I was thinking, and I know
Speaker 4: that Genesis Total Exteriors does it.
Speaker 1: They do a great job. They do, you know this
Speaker 1: mold remediation and detection Genesis Tootalexteriors dot Com, by the way,
Speaker 1: and he does that in conjunction with his construction business
Speaker 1: because he does kitchens and baths and basements.
Speaker 4: He does outside siding stucco. So when he comes, he
Speaker 4: was coming across mold and then he'd watch these people
Speaker 4: come in and rip their faces off. So he decided,
Speaker 4: you know what, I'm here anyway, I'm gonna help. And
Speaker 4: what an excellent adjunct. But I believe it would be
Speaker 4: an adjunct to a number of businesses, and one of
Speaker 4: them is plumbing, heat and cooling, electric and draints. It's
Speaker 4: a natural adjunct in my opinion, uh, to that kind
Speaker 4: of business. I'm not suggesting how you run your business.
Speaker 5: There's remediation companies that specialize in you know, fire, smoke, mold,
Speaker 5: water damage, and really they're the companies that take care
Speaker 5: of that after the fact.
Speaker 1: But yeah, but you said, what you're saying is, I
Speaker 1: know what you're saying, but it gets sick to what
Speaker 1: you guys can.
Speaker 5: Do, and we just don't run into it.
Speaker 1: That off, Okay, all right?
Speaker 4: So in any case, bottom line is when it comes
Speaker 4: to this kind of stuff, it really.
Speaker 1: It really gets out of hand, it does.
Speaker 4: I mean, when somebody discovers mold, it's almost like and
Speaker 4: it all happened.
Speaker 1: Do you know when it all started? Do you remember
Speaker 1: the case Mark? I always talk about it.
Speaker 4: You remember who it was? That's right, Ed McMahon. I
Speaker 4: believe he was living It might have been his house
Speaker 4: in California. But Ed McMahon has some mold problems and
Speaker 4: went to court and sued the company and won, and
Speaker 4: then after that all hell broke loose. If you had mold,
Speaker 4: you went and sued. And so that's what this family's doing.
Speaker 4: You know a lot of tenants are I look this up.
Speaker 4: That is one of the number one lawsuits tenants have
Speaker 4: against landlords. I'd like to talk to Brad O'Brien if
Speaker 4: we can get him on next hour, even Kachino, can
Speaker 4: you work on that. I'd like to ask him his
Speaker 4: opinion on liability and how that can be done, and
Speaker 4: he might have an opinion on that.
Speaker 12: All right, we got more to give you a heads up.
Speaker 12: He was on with this for that call, that particular one.
Speaker 1: He was in studio with me.
Speaker 14: And Mark.
Speaker 12: This is bo If you said, we all say the
Speaker 12: same thing. She's pretty much getting the shakedown. I mean,
Speaker 12: that's what it comes down to. She's gonna either have
Speaker 12: to hire an attorney and answer the complaint or negotiate something.
Speaker 1: I mean, it's a shakedown man. She's in the driver's
Speaker 1: seat to Mark.
Speaker 14: If you remember, she had a company to test for
Speaker 14: mold and it came back negative.
Speaker 1: Yeah, bo I agree with all that, but she's wait
Speaker 1: a minute, Wait a.
Speaker 14: Minute, Yeah, she doesn't have She hired an independent company
Speaker 14: after these tennis complained about it, and they tested it
Speaker 14: and they did not find mold. They are shaking her down.
Speaker 14: She just needs to go to court with the proof
Speaker 14: that there was no mold and be done with it.
Speaker 1: But you know what's the problem is even when what
Speaker 1: her homeowners won't even defend her because of it, She's
Speaker 1: got the right insurance.
Speaker 12: You're twenty five to fit. If they keep going forward
Speaker 12: with it just to defend herself, yeah, or she's going
Speaker 12: to lose all the equity in that house. I mean,
Speaker 12: it's ridiculous.
Speaker 1: Mark.
Speaker 14: I was going to suggest that she should maybe just
Speaker 14: send him a letter and offer him ten thousand dollars
Speaker 14: to just make the whole damn thing go away.
Speaker 1: I don't know. Yeah, that negotiation. We got more coming up.
Speaker 4: I'm Tom Martino three oh three seven one three talks
Speaker 4: seven one three eight two five five. 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 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 all three seven 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 Martinez here in
Speaker 4: three all three seven one three talk three oh three
Speaker 4: seven one three eight two five five. So I'm told
Speaker 4: our real estate expert attorney's not available.
Speaker 1: So yes, clue.
Speaker 4: Did somebody say, Hey, okay, so here's the deal. Can
Speaker 4: you turn his mic off, But can you give me
Speaker 4: return just of air please, because I'm hearing behind the scenes.
Speaker 4: Thank you anyway, So what we're talking about is the shakedown.
Speaker 4: What is the shakedown is when a tenant or anyone
Speaker 4: sees the weakness and they go after you, and just
Speaker 4: to defend yourself sometimes is more money than just trying
Speaker 4: to settle with them.
Speaker 1: But doesn't that put a nasty, nasty, nasty taste in
Speaker 1: your mouth? Bob? Have you ever been shooken down, shaken
Speaker 1: down at Plumbline or anywhere?
Speaker 4: You know?
Speaker 5: I feel like I have.
Speaker 1: Yes. You know, we run like you might make a
Speaker 1: legit mistake and you're gonna fix it.
Speaker 15: Right.
Speaker 5: We run over one hundred calls a day, so if
Speaker 5: we're ninety nine percent perfect, you know, I mean we
Speaker 5: run four to five hundred, so ninety nine percent perfect,
Speaker 5: we're messing up four or five times.
Speaker 1: I'm gonna tell you one we can. I'm going to
Speaker 1: tell you one time somebody cashed in. So somebody called
Speaker 1: me and said Plumbline said I need a new furnace.
Speaker 1: And I got a second opinion, and they said plumb
Speaker 1: Line was lying. And I want you to know that,
Speaker 1: Tom Martino, because you endorse them. So I said, Bob,
Speaker 1: here's what's going on. And Bob says, Tom, here's all
Speaker 1: I'll do.
Speaker 4: Let's send our team out there with that other team
Speaker 4: if they want to go out there, and let's have
Speaker 4: an independent person check this out.
Speaker 1: If it turns out that that furnace is not bad,
Speaker 1: she gets a brand new furnace.
Speaker 4: And if it turns out in his bed she needs
Speaker 4: a brand new furnace anyway, and I'll do it for her.
Speaker 4: And I said, what Yeah, I just want to do
Speaker 4: it just to clear our name. So whether she needs
Speaker 4: it or not, she'll get a new furnace. But at
Speaker 4: least we'll know if our diagnostic was correct. I'll never
Speaker 4: forget it. Sure's crap. They went out there and that
Speaker 4: furnace was bad. In fact, I think the people that
Speaker 4: said it wasn't bad might have been Excel, or might
Speaker 4: have been one of those.
Speaker 5: As one of them. Yes, they had Excel, and they
Speaker 5: also had one or two other companies out and all
Speaker 5: of them dispute to the fact that it had cracks
Speaker 5: in the heat.
Speaker 1: Exchanger, and so in order to tell the crack, Plumbline
Speaker 1: was doing it with testing.
Speaker 4: But they said, no, we don't think there's a crack.
Speaker 4: So they literally took the heat exchanger out, yeah, and
Speaker 4: found the cracks. She got a new furnuce.
Speaker 1: She didn't even say thank you. We were right, Yeah,
Speaker 1: you're right anyway.
Speaker 4: Plumb Line Services dot com. We got more coming up
Speaker 4: on The Troubleshooter Show.
Speaker 1: Get you calls in three all three seven one three
Speaker 1: talk seven one three h two five five or three
Speaker 1: all three Martino.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you whose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three all
Speaker 4: three nine two zero sixteen twenty two.
Speaker 9: Ripped off.
Speaker 16: New need it so you don't have.
Speaker 2: Come running Just as fast as we can. Shooter's gonna help.
Speaker 3: Come man, This is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 4: Tom Martino Here at three oh three, seven one three
Speaker 4: talks seven one three, eight two five five. I think
Speaker 4: I'm catching you a little tiny bit of a cold
Speaker 4: or something. So if I sniffle, I'm sorry, Kayden. There's
Speaker 4: not much I can do about it. I'll turn that
Speaker 4: mic off when I when I have to, uh, flow
Speaker 4: my nose or something.
Speaker 1: Three all three, seven one three talks seven three and
Speaker 1: two five five.
Speaker 4: We solve problems, answer the question taking place, make your
Speaker 4: life a little easier, and we do it style and
Speaker 4: grace and entertainment and all of that.
Speaker 1: And sometimes I'm lucky enough. I really am lucky enough.
Speaker 4: Sometimes when one of my morons not my morons, I'm sorry.
Speaker 4: I don't want to insult my my uh my deputies,
Speaker 4: one of my deputies.
Speaker 1: Solve a problem. You get my dinger now.
Speaker 4: I believe in using a dinger, so guys, get me
Speaker 4: some successes here. Unlet's use a dinger.
Speaker 7: Now.
Speaker 1: If you have any suggestions on how to solve some
Speaker 1: of these problems, give us a call anyway. Three oh
Speaker 1: three seven one three talk three oh three seven to
Speaker 1: one three eight two five five. You know a lot.
Speaker 4: It's funny how many people ask about old cases because
Speaker 4: they're listening to older shows. You see, and remember this one.
Speaker 4: Mark has a new BMW X three and the parking
Speaker 4: sensor stopped working and the warrant you wouldn't cover it.
Speaker 1: Do you know why. I guess he got a rejection
Speaker 1: letter that said or rejection email or something because there
Speaker 1: was debris that caused it. Road debris.
Speaker 6: Come on.
Speaker 1: Parking sensors, by their very nature, are down near the road, right.
Speaker 4: And it stopped working. Doc, we assigned this to you.
Speaker 4: Do you remember this one, Deputy Doc? Do you remember
Speaker 4: this one?
Speaker 1: Anyway?
Speaker 4: The warranty won't cover it because of road debris. Anybody,
Speaker 4: somebody have a mirror can put under his nose if
Speaker 4: he's still there.
Speaker 1: Deputy Doc, I'm here, tom Oh, there you go. Good.
Speaker 1: We were gonna wonder if you could fog the mirror anyway.
Speaker 1: So do you remember that case? Doc?
Speaker 4: All kidding inside the X three with that parking sensor,
Speaker 4: and I'm thinking that's the dumbest excuse I've ever heard.
Speaker 4: Debris getting into the sensor from the road, so therefore that.
Speaker 1: It's not a defect. Do you remember I don't remember
Speaker 1: it was on market.
Speaker 4: Oh okay, I thought I had your name down here,
Speaker 4: and it was Mark, and it was on February twenty eighth.
Speaker 1: But anyway, I digress.
Speaker 4: I just wondered what happened with is somebody was calling
Speaker 4: about it because they were having the same problem with
Speaker 4: their X five.
Speaker 1: And that's that's very curious.
Speaker 4: I wonder if anyone else, maybe not even with beamers,
Speaker 4: but with cars, have had sensor problems.
Speaker 1: With the parking centers.
Speaker 4: Now one thing that I have, and I almost wish
Speaker 4: they stop putting them on cars all together. You want
Speaker 4: to take a guess, Come on, take a guess, Mark,
Speaker 4: I just wish they stop. They don't even have them
Speaker 4: on cars.
Speaker 1: Is. I don't believe I have ever.
Speaker 4: Once used it accurately, or ever once did it tell
Speaker 4: me accurately?
Speaker 1: She's probably seeming real.
Speaker 4: Oh man, we got a comedian now, Doc, don't leave
Speaker 4: your day John.
Speaker 1: Hey, what do you think it is? Bob Logan? What
Speaker 1: do you think it pisses me off? On a car
Speaker 1: that we don't need? Ever?
Speaker 5: Well, I was going to say, the thing that cut
Speaker 5: your car off of the stop light?
Speaker 1: Tops it off? Oh the golf cart mode? Well, yeah,
Speaker 1: the golf car mode. That's a good one. That is
Speaker 1: a good one. That we ought to just do a
Speaker 1: little feature on features you don't need in your car.
Speaker 4: Now, backup cams. I love, yes, I absolutely love them now.
Speaker 4: In fact, without them, I feel lost. But there's the
Speaker 4: one thing.
Speaker 1: Tire pressure sensors.
Speaker 4: I've never had one. You know what, here's what I think.
Speaker 4: I'm driving down a highway.
Speaker 1: And I get.
Speaker 4: On my left tire's low. You know what, I think, Oh,
Speaker 4: that sensors out. I don't think at the left low.
Speaker 4: I just automatically think, oh, that sensor's out.
Speaker 1: Isn't that weird? I don't even think. And there's one
Speaker 1: other thing you don't need, Hey, Tom, I swear to
Speaker 1: God I do.
Speaker 13: It to my see that happens and it gets cold
Speaker 13: and the tire the air gets you know, a little
Speaker 13: more compressed, and you'll get a false sweeting on your tires.
Speaker 1: That's right, Hey, Mark, how do your testas sensors work?
Speaker 1: Are they accurate? Yeah, they're definitely accurate. They're the same
Speaker 1: as anybody's.
Speaker 17: Oh but they so they don't But they don't give
Speaker 17: you false readings, or do they? They don't give me
Speaker 17: false No, I don't think. I don't get false readings
Speaker 17: for any of them. Just the weather fluctuates. I think
Speaker 17: they're the best thing in the world, though, Man, you
Speaker 17: know it's.
Speaker 12: Really if I'm in my RV and pulling a trailer,
Speaker 12: I would never know in a million years if.
Speaker 1: I lost a tire.
Speaker 4: You know, Mark and RV is a different and I
Speaker 4: don't know why they're different. But I loved having those
Speaker 4: sensors on those big But they're not the same with cars.
Speaker 4: The cars are too temperamental. I'm always getting a low
Speaker 4: tire light or this tire, this tire. I mean, I'm serious.
Speaker 4: These sensors never work right. Never, I've never had a
Speaker 4: tire pressure sensor work correctly. In fact, I even was
Speaker 4: was tricked into going into what's the tire shop? I
Speaker 4: was go, oh discount where you pull in and they
Speaker 4: check everything free, you know, you don't even have to
Speaker 4: get out of the car, And and I buy my
Speaker 4: tires there so and I and the other thing my
Speaker 4: wife leaves in. Is the only time I ever buy
Speaker 4: a warranty ever is the roadside that roadside warranty. Man,
Speaker 4: anything goes wrong with that tired, they step up and
Speaker 4: they do not cry. So anyway, I have been duped
Speaker 4: into checking that tire and then I don't even do
Speaker 4: it anymore, so I did. I wasn't kidding when I
Speaker 4: said when I see a low tire pressure, I don't
Speaker 4: even pay attention to it. I may I should, but
Speaker 4: I don't. It's like you cry wolf too many times,
Speaker 4: and I just don't pay attention.
Speaker 1: So what on a car is useless? Hey, Tom, I
Speaker 1: just say something.
Speaker 13: If you go to Discount Tire, they have a free
Speaker 13: tire check to just pull in, no costs. You don't
Speaker 13: even have to be a customer, and they'll check all
Speaker 13: your tires for you for nothing.
Speaker 1: Yeah, and you don't have to get out of your
Speaker 1: car now.
Speaker 4: I'm not sure where you were or if you weren't
Speaker 4: kind of stupor, but I think I mentioned that thirty
Speaker 4: seconds ago.
Speaker 1: But it's okay, Doc, we love having you. But did
Speaker 1: you hear me?
Speaker 4: Honest to goodness, I did say that. I said, you
Speaker 4: can pull into Discount Tire and they'll check out.
Speaker 1: I was just checking some follow ups. Yeah, oh okay,
Speaker 1: and you were just checking me to see if I'm
Speaker 1: on my toast.
Speaker 5: You know one thing that drives me nuts about cars,
Speaker 5: and I don't think it's a safety feature because not
Speaker 5: all cars do it. But when I get out of
Speaker 5: my car and then I, you know, I stop, I
Speaker 5: turn it off, I get on my car, and then
Speaker 5: I go to the back door to get something out
Speaker 5: and it's locked. Why can't all doors unlock it once?
Speaker 5: And then when you leave the car you can lock.
Speaker 4: They don't want you. No, that's safety because and this started,
Speaker 4: this started. I hate to be sexist, but it was,
Speaker 4: you know, like a woman alone in a parking lot, right,
Speaker 4: she unlocks the door. She just wants the door she
Speaker 4: unlocked to get out. She doesn't want the back right
Speaker 4: door open or unlocked, as someone can jump in. Do
Speaker 4: you know what I'm saying.
Speaker 1: So, so I think there was a reason for that. Okay,
Speaker 1: there was also I'm just curious that was an odd statement.
Speaker 1: Well because I didn't say when a man's alone in
Speaker 1: a parking lot, I said a woman. That's what I
Speaker 1: thought of when when they say for security. Yeah, anyway, So.
Speaker 4: I but but if I had to pick stuff, I
Speaker 4: think the golf cart modes a pain in the ass, Okay,
Speaker 4: And I don't I can't even believe that saves that
Speaker 4: much energy, or saves that much air pollution, or saves
Speaker 4: that much in whatever supposed to save gas.
Speaker 12: That's how they get up anyway, Terry, sell all these trucks, man,
Speaker 12: because they're using less gas. All these manufacturers have to
Speaker 12: meet certain regulations and miles per cafe.
Speaker 1: Yep, that's your cafe rule. Yeah, okay, oh I see,
Speaker 1: So when they turn them off in between, they can
Speaker 1: show a higher EPA. Yep, most of us turn it off,
Speaker 1: though probably you do too.
Speaker 4: But remember cafe cafe is measured on what does anyone remember?
Speaker 4: It's the average fleet It's not the highest or the lowest.
Speaker 4: It's the average fleet mileage. You have to have a
Speaker 4: fleet mileage at an you know, there are targets you
Speaker 4: have to hit by the federal government EPA. So now, shoot,
Speaker 4: evs are helping them tremendously because they that doesn't have
Speaker 4: any any miles.
Speaker 1: So so they can list that. I mean, I don't
Speaker 1: even know how they list it, but it definitely affects
Speaker 1: their cafe unless they exclude evs for the calculation in
Speaker 1: their cafe. We ought to find that out. Let's google
Speaker 1: that or ask my boyfriend during a break, Terry, what's
Speaker 1: the issue you're having with a contractor?
Speaker 11: Terry?
Speaker 1: Yes, Hello, what's I what's the issue.
Speaker 15: Okay, it's kind of I'll try to make it quick.
Speaker 15: I hired a contractor to replace a freestanding corner shower
Speaker 15: in my master bathroom, and you know, they were highly recommended.
Speaker 15: Everything was good, and so you know, they told me
Speaker 15: to pick out my tile and my shower pan and
Speaker 15: my shower enclosure, which I did, and I ordered the
Speaker 15: power shower pan and enclosure from home depot and it
Speaker 15: took a couple of weeks to get here, but I
Speaker 15: got it.
Speaker 4: Actually, the contracy, so they wanted you to They wanted
Speaker 4: you to go out and buy that on your own.
Speaker 15: Yes, they wanted me to pick it out.
Speaker 4: Okay, like they didn't make a markup or anything. You
Speaker 4: just went directly to a store to buy it.
Speaker 15: Yes, exactly, okay. And that was the shower pan and
Speaker 15: what else and the shower enclosure.
Speaker 18: It was a.
Speaker 1: Weird because they make a lot of money on those things.
Speaker 1: That's weird. So they said, go out and buy here,
Speaker 1: go out and buy your shower pan and enclosure and
Speaker 1: we'll put it in.
Speaker 15: Yeah. Yeah, okay, they did that. So I did that,
Speaker 15: and they they a crew of three of them came
Speaker 15: out and the shower pan was damaged, so I, you know,
Speaker 15: went back to home Depot and we got another one
Speaker 15: ordered out.
Speaker 4: This problem is this problem with home Depot or is
Speaker 4: it going to turn out to be a problem with
Speaker 4: the contractor?
Speaker 15: I think both actually, and that's the way right.
Speaker 1: Hold on, I'll come right back to you, Terry, all right,
Speaker 1: you hang on and we'll come right back to you.
Speaker 4: I will help you, and I understand how this can
Speaker 4: get weird, especially when you go out and buy your
Speaker 4: own stuff. I'm Tom Martine three h three seven one
Speaker 4: three Talks seven one three eight two five five Frank
Speaker 4: durand real Estateman dot com.
Speaker 1: He's going to help you.
Speaker 4: He'll help you evaluate what your house will sell for
Speaker 4: and it will be free of charge, a complete valuation.
Speaker 4: He can even tell you what you'll probably net from
Speaker 4: it based on all the closing expenses and what you
Speaker 4: can afford to buy.
Speaker 1: It's all free, no obligation, no pressure, just good information.
Speaker 1: Frank durand the real estate Man dot com three oh
Speaker 1: three nine two zero sixteen twenty two.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martine here,
Speaker 4: three oh three seven one three talk three oh three
Speaker 4: seven one three eight two five five. So Terry tell
Speaker 4: me the issue you you got your stuff? There was
Speaker 4: a problem with the base happened?
Speaker 15: Yes, So I went back to home depot and ordered
Speaker 15: a replacement out, and that one I had shipped directly
Speaker 15: to my house so that I could open it and
Speaker 15: look at it and make sure there wasn't any damage
Speaker 15: before the crew came back out.
Speaker 1: And what's the base made of? Is it an acrylic?
Speaker 1: Is it a concrete or light concrete stone?
Speaker 15: You know, I this is my first experience with this stuff,
Speaker 15: so I'm really not I don't know much. I'm just
Speaker 15: looking at it. I would say it's probably a crylic
Speaker 15: of some sort.
Speaker 1: Okay, So now what's going on with that. What's happening?
Speaker 1: I'm curious, So I sent you a new one, go ahead.
Speaker 15: They sent me a new one, and I checked it out.
Speaker 15: I checked all the corners, I checked everything for anything bad,
Speaker 15: and it looked good. So I called the crew and
Speaker 15: they came back out. They installed it and and started
Speaker 15: tiling above it, and you know, it was looking beautiful.
Speaker 15: And so then they came out to install the shower door,
Speaker 15: and the shower door didn't fit. And what had happened
Speaker 15: is home Depot sent the wrong size, and.
Speaker 1: I went right, they sent the wrong size.
Speaker 15: What they sent the wrong size shower pan?
Speaker 1: Well, in what way? Is it the wrong size? This part?
Speaker 1: I don't understand the wrong measurements for your entire base. Yes,
Speaker 1: it was so, Wait a minute, I would so the enclosure,
Speaker 1: the enclosure is a different size than the bait than
Speaker 1: than the pan.
Speaker 15: Yes, yes, I had ordered that crew.
Speaker 1: Wait a minute, you have a crew, right, what install
Speaker 1: that base? Is it obviously like can you tell by
Speaker 1: looking at it? Or is it something that's off by
Speaker 1: like an inch?
Speaker 15: It's two inches. I ordered a thirty eight inch neo
Speaker 15: angle shower pan, and they sent a thirty six And
Speaker 15: so the guys installed this, and when I went back
Speaker 15: to Home Depot, now.
Speaker 4: Can't you just get another? Can't you get another shower
Speaker 4: enclosure and maybe return the one.
Speaker 1: You didn't use? That I can do? Or does it
Speaker 1: screw up? Or does that two inches screw up everything?
Speaker 15: You know, it doesn't screw up everything. It just it's
Speaker 15: just smaller and it's a small area to begin.
Speaker 4: Well, what did they offer that as a solution, Terry?
Speaker 4: Did they say, why don't we just get a shower
Speaker 4: enclosure to fit the current pan since they already install
Speaker 4: the pan?
Speaker 15: Well, what they what they had offered is that they
Speaker 15: they would replace it, but they expected Home Depot to.
Speaker 1: To pay for it and Home No, wait a minute,
Speaker 1: they would wait, wait, wait, Terry, they would replace what.
Speaker 15: The shower in the shower pan?
Speaker 1: Wait a minute.
Speaker 4: So instead of doing a new enclosure on a pan
Speaker 4: that's already installed, they would rather tear up the pan
Speaker 4: that's installed.
Speaker 1: That does not make sense to me.
Speaker 15: Okay, well, and see this is where I needed to know.
Speaker 1: I just.
Speaker 4: No, no, here's what I'm asking you. Here's what does
Speaker 4: Home Depot regnize. They made a mistake.
Speaker 15: They kind of made a little apology. Yeah, we we
Speaker 15: sent the wrong thing.
Speaker 4: Sorry, well okay, but your crew had some responsibility to
Speaker 4: see they did send the wrong thing. And the question
Speaker 4: is how much responsibility do they have because they sent
Speaker 4: the wrong pan?
Speaker 1: Okay?
Speaker 4: So now you have a professional crew supposedly on the
Speaker 4: site and they're looking at both an enclosure and a pan.
Speaker 1: What was wrong with the first pan? Do you know.
Speaker 15: It had been dropped?
Speaker 19: The corner of it was okay, got it?
Speaker 1: Okay? No, no, that's good. They found that. Now let's
Speaker 1: move on to this new pan. When it arrived, you
Speaker 1: looked at it, the crew installed it right, yes, yes,
Speaker 1: and they just went ahead and installed it, and then
Speaker 1: when they went to put the enclosure on it, it
Speaker 1: was off about two inches.
Speaker 4: Yes, Before we go on, you need to explore the
Speaker 4: option of replacing the enclosure. Since they didn't use it,
Speaker 4: it's new home Depot should be willing on their dime
Speaker 4: to come and get it and bring you another one
Speaker 4: to match the wrong one they send. If they acknowledge
Speaker 4: they sent the wrong pan, then they should match the
Speaker 4: pan with another enclosure. Doesn't that seem logical to you?
Speaker 20: Well? It does?
Speaker 1: Yeah, okay, hey bo, Yes, I want you to help.
Speaker 1: I want you to. I want you to hold her
Speaker 1: hand through this. Listen.
Speaker 4: We have a deputy that is pretty good. Yeah, yeah,
Speaker 4: that's pretty good at explaining this stuff, and he was
Speaker 4: in the biz. So Terry, we're going to assign this
Speaker 4: to Bo. Okay, you're gonna be hearing from Bo.
Speaker 1: I'm gonna call you this afternoon. Terry Rogan to get
Speaker 1: this work out with Home Depot. But don't let them
Speaker 1: do anything yet. Do not please tell me one thing
Speaker 1: before we move on, because I should have asked this, Terry.
Speaker 1: You didn't already tear out the pan, did you?
Speaker 7: No?
Speaker 1: No? Good?
Speaker 9: Good?
Speaker 4: Hey, let me ask you something. What kind of a
Speaker 4: job does it look like? Is the pan installed? Well?
Speaker 15: You know, yeah, it looks nice.
Speaker 1: Okay, Now, wouldn't it be ashamed? Wouldn't it be ashamed
Speaker 1: and illogical to tear.
Speaker 4: That out and to fight with Home Depot over the
Speaker 4: extra labor when all you have to do is match
Speaker 4: a new enclosure to it.
Speaker 12: Wouldn't it be a lot smaller? I mean, isn't there
Speaker 12: more to it than that? Like maybe the walls don't
Speaker 12: line up?
Speaker 1: Mark?
Speaker 4: Of course, Now when you say a lot, that's why
Speaker 4: I asked her. How much is it off and she
Speaker 4: said a few inches. And then I asked her would
Speaker 4: that matter to you?
Speaker 1: And she said no.
Speaker 4: So Terry, how many inches? I mean, would it make
Speaker 4: your shower substantially smaller?
Speaker 1: When you stand on that pan? Does it feel cramped?
Speaker 15: You know, it's a little tight. It's it is for me,
Speaker 15: it's it'd be fine for me. You know, I am
Speaker 15: thinking resale down the road kind of things.
Speaker 1: Do let me ask you something. You said it was
Speaker 1: just a couple inches. Is it a couple inches or
Speaker 1: is it like a foot?
Speaker 4: What is it?
Speaker 15: No, it's it's actually two inches.
Speaker 1: Because I okay, that can't make that can't make that
Speaker 1: much difference.
Speaker 12: Well, I just got a question. Then what do you
Speaker 12: do with like the walls where the enclosure goes? So
Speaker 12: you build them all out two inches?
Speaker 1: Mark?
Speaker 11: I don't.
Speaker 1: I don't know where what I know? Actually, Terry?
Speaker 9: Did they?
Speaker 1: I can only understand this mark.
Speaker 4: If the pan is in place, it fits, so there's
Speaker 4: no wall to build out. I mean they put they
Speaker 4: put the pan in place. So, Terry, the walls that
Speaker 4: surround the shower, let's say, is it surrounded on three
Speaker 4: sides or is it surrounded on two sides or is
Speaker 4: it surround?
Speaker 1: Is it free standing on any side? Can you explain it?
Speaker 15: It's I'm so bad at this. There's two walls.
Speaker 1: Well, no bad at this.
Speaker 4: You're sitting in the picture yourself, standing in the shower.
Speaker 4: You obviously have an open area that you walk in
Speaker 4: and out of. Okay, that's the open area. Then you
Speaker 4: have either glass or wall on the left, right and back.
Speaker 2: So what is it?
Speaker 1: Is it going to be glass on the left and right,
Speaker 1: wall in the back or is it going to be
Speaker 1: wall on the left and the back? I mean, you
Speaker 1: can visualize that.
Speaker 4: What is it? You're standing in the shower staring out
Speaker 4: what is behind you? Is it glass or is it
Speaker 4: the wall?
Speaker 15: It's the wall, It's okay.
Speaker 1: Then what's to your left? Is it glass or a wall?
Speaker 15: That's glass?
Speaker 1: Okay? And then to your right is the wall.
Speaker 15: Is to the right is also glass? And wait, there's
Speaker 15: three pieces of glass.
Speaker 4: That you have left and right, glass in the front,
Speaker 4: glass right. So you have the front, left and right
Speaker 4: or glass and the only part of the wall is
Speaker 4: the back.
Speaker 9: Part right right.
Speaker 1: Yes, well that's that's why it's gonna fit. Mark. There's
Speaker 1: no walls to move right?
Speaker 4: Can you snap a picture too. Both's gonna want to
Speaker 4: see a picture. Listen, We're going to find a solution
Speaker 4: for you. Two inches can't make that much of a
Speaker 4: difference three h three and and and if you're just
Speaker 4: tuning in, please don't take that the wrong way. We
Speaker 4: go More coming up on the Troubleshooter Show three O
Speaker 4: three seven one three talks seven one three eight two
Speaker 4: five five 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 content. 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 to seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank durand the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Hey Tom Martine here with Bob Logan from Plumbline Services
Speaker 4: dot com. One of our trusted sources for plumbing, heating, cooling,
Speaker 4: electric and drains.
Speaker 1: And I've known them. I've known them almost from their.
Speaker 4: Damn inception and that's the true story, true, and that
Speaker 4: goes back to Jeff the founder, and I remember, I
Speaker 4: remember so many good people. Anyway, do you have any
Speaker 4: questions on anything like that coming up? I'd be concentrating
Speaker 4: on air conditioning right now. Although you need a good
Speaker 4: furnace to run an air people don't know that, Tony.
Speaker 1: What's going on with you?
Speaker 4: Tony, Welcome to the Tom Martine Show or the Troubleshooter Show.
Speaker 4: I should say, since Mark's been here so long, I
Speaker 4: feel like he's I feel like I should give him
Speaker 4: partial credit. So I'm gonna say I'm the I'm the
Speaker 4: brain and the heart and the soul, and he's the ass. Anyway, Tony, Mark,
Speaker 4: I thought that was funny. Yeah, yeah, good Tony, Tony,
Speaker 4: what's going on?
Speaker 10: Well, I'm not gonna give Mark any pooh poop because
Speaker 10: we're we're in a line on our views. But anyhow,
Speaker 10: I just thought i'd tell you that Paul the Waterman's
Speaker 10: coming out tomorrow three to look at my to look
Speaker 10: at some of his upgrades.
Speaker 4: Bro, you will love it, Tony, Tony, you will love it.
Speaker 4: You will really notice, you know, very seldom do you
Speaker 4: buy things that you really notice you know, and and
Speaker 4: one of those things would be the soft water, the
Speaker 4: purified water, the drinking water, the coffee.
Speaker 1: I mean, I just can't go on and on anyway,
Speaker 1: So go ahead. What you wanted to talk about climate change?
Speaker 10: Yeah, so I'm following up on your cafe standards segment
Speaker 10: a little or earlier. And yeah, I want to I
Speaker 10: just want to do whatever I can to push your
Speaker 10: audience that global warming, I e. Climate change is a scam.
Speaker 9: It is a method of control too.
Speaker 10: It's a method to control our means of production.
Speaker 21: But to prove this, hopefully you have the article from
Speaker 21: the Washington Post that shows a g and that graph
Speaker 21: which I always try.
Speaker 10: To look things up and cross cross reference, and you
Speaker 10: can find this.
Speaker 9: You go to the Washington Forest Post.
Speaker 10: You will find this.
Speaker 21: That graph, which hopefully.
Speaker 10: You have in front of you, shows that our average
Speaker 10: surface temperatures are near a record low since the beginning
Speaker 10: of time.
Speaker 4: You have Okay, hold on, I'm not no, no, Tony,
Speaker 4: But I want to bring up one thing very clear.
Speaker 4: I'm not an advocate of.
Speaker 1: Nor a. Do I ever push climate change agendas? Okay?
Speaker 1: The reason they don't call it warming and cooling? No, No,
Speaker 1: I think it's horse crap. But let me explain something.
Speaker 4: I do believe there are things that happen in our
Speaker 4: environment that are anomalies, and things that happen that are regular,
Speaker 4: and things that are happened that are repetitious and cyclical,
Speaker 4: and all kinds of things in nature that that man
Speaker 4: has its part in, like animals do and like volcanoes do.
Speaker 4: And I don't think it is something you can legislate
Speaker 4: or change by behavior. I don't think our behavior can
Speaker 4: change the climate back or make it accelerate the other way.
Speaker 1: It just we are so arrogant to believe that. I
Speaker 1: swear to God, it is so arrogant to believe that that.
Speaker 4: That doesn't mean that we don't have and I'm going
Speaker 4: to let you finish, but I want to say this.
Speaker 4: It doesn't mean we don't have an impact on our environment.
Speaker 4: But people confuse environment with climate. We have like the
Speaker 4: Mile High City, we have that fog cloud, that smog
Speaker 4: that we can control to an extent with our habits
Speaker 4: and our lifestyles. And we have certain things around the world,
Speaker 4: our water quality, all of that stuff.
Speaker 16: But the overall climate, the overall atmosphere, we have very
Speaker 16: very very little impact on that, and this.
Speaker 1: Is where the scientists who truly look into it are aligned.
Speaker 1: And you have what you claim, and I think you are.
Speaker 4: Absolutely correct people who latch onto it for control, Tony.
Speaker 1: I want to give you a small analogy.
Speaker 4: Everyone said that the year two thousand was going to
Speaker 4: rehab it with technology now everyone, So here's.
Speaker 1: What was happening.
Speaker 4: They were hiring experts so they could be y two
Speaker 4: K compliant, and these experts became experts of experts who
Speaker 4: were experts of experts, and there was no one who
Speaker 4: had the balls to say, nothing's going to happen on
Speaker 4: why two K nothing, Nothing is going to happen nothing,
Speaker 4: And everyone who said that they said were a nut.
Speaker 4: And the ones who were advocating for hiring a special
Speaker 4: team and redoing all the software and the date changes
Speaker 4: and all of that were touted as heroes. And it's
Speaker 4: just the biggest joke in the world because nothing did happen.
Speaker 4: And the companies that went through all of this grief
Speaker 4: and trouble to fix something that wasn't broken, it fared
Speaker 4: out exactly the same as other people who did nothing.
Speaker 4: And I liken the why two K scare to climate change?
Speaker 4: Oh it's gonna get you. It's gonna get you, it's
Speaker 4: gonna get you, and then it.
Speaker 1: Doesn't get you.
Speaker 4: And then anything that would happen had very little to
Speaker 4: do with the actual Y two K. They were talking
Speaker 4: like it almost took on a life of its own, Tony.
Speaker 4: There was a run on cash at the banks. Do
Speaker 4: you remember that? Do you remember that New Year's Eve?
Speaker 4: Do you remember the three or five years leading up
Speaker 4: to it? The food stores people were buying, and things
Speaker 4: people were doing because of what was going to happen
Speaker 4: on Y two K. Do you remember that or is
Speaker 4: it so far going?
Speaker 1: People were go ahead.
Speaker 10: I remember at one hundred percent. And I'll tell you why.
Speaker 10: I had a friend I live in Denver. I have
Speaker 10: a friend in Minneapolis that I was having a New
Speaker 10: Year's Eve party. On December thirty one of nineteen ninety nine,
Speaker 10: I flew to Minneapolis on a jet plane. I was
Speaker 10: the only passenger, And on the following day I came
Speaker 10: home on a jet jet plane. I was one of
Speaker 10: two passengers. My wife stayed home and filled the bath
Speaker 10: with water. I remember it very well.
Speaker 1: See, people were so afraid not to do something because
Speaker 1: everyone was selling they should do something. So these people
Speaker 1: started hiring y two K compliant it guys because they
Speaker 1: were told they should, and they were afraid that they didn't,
Speaker 1: they'd be caught with their pants down. It was such
Speaker 1: a scam, such a scam. I like in climate change
Speaker 1: to that. Yeah, climate change might be happening. I'll let
Speaker 1: you finish. Let me take this quick break, Tony, and
Speaker 1: I love where you're going. Hold on right after this, 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 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. Hi Tom Martinez
Speaker 4: here three seven to one three talk Tony, continue with
Speaker 4: your story about climate change.
Speaker 10: Go ahead, Well, look, I don't have anything else to add,
Speaker 10: just that it is a scam. It's meant for control
Speaker 10: and if you do some research on it, you will
Speaker 10: find that all the dates of disaster have passed and
Speaker 10: we're all still breathing just fine.
Speaker 4: Oh, if you watch that documentary that what you call it,
Speaker 4: Al Gore, did I mean we are past the I
Speaker 4: mean if everything you said was wrong.
Speaker 11: Yeah, no, But that doesn't.
Speaker 4: See And when I say things like this, When I
Speaker 4: say things like this, I always get comments from people say, oh,
Speaker 4: you you know you're destroying the environment.
Speaker 1: Blah blah blah. See I'm not.
Speaker 4: I'm an environmentalist. I believe in taking and being a
Speaker 4: good steward of the earth.
Speaker 1: I really do. I believe in taking care of our earth.
Speaker 4: I believe in doing things that are good for it
Speaker 4: and not to unnecessarily contribute.
Speaker 1: To pollution and all of that. Right, But I'd also
Speaker 1: a one who believes that you can harness all the
Speaker 1: cowfarts you want and it's not going to help you.
Speaker 1: And when you offset credits carbon credits, the atmosphere doesn't
Speaker 1: know that. It's not like you can feel away with
Speaker 1: some carbon over here and get away with it because
Speaker 1: you did something over there. It's just weird.
Speaker 4: And I just wish people would get out of politics
Speaker 4: and just look at real life, real life instead of fantasy.
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 contenth
Speaker 4: time for an insurance check up free, no obligation in comparison,
Speaker 4: call Compass Insurance. Pay 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 nine two
Speaker 4: zero sixteen twenty two.
Speaker 1: Yeah, ripped of what news needed by so you don't have.
Speaker 2: Come running just as fast.
Speaker 3: As we can.
Speaker 2: Shooter's gonna help come.
Speaker 3: Man Dix is the Troubleshooter Show. No Tom Martino Cano.
Speaker 4: Tom Martino here on the air, going on fifty years,
Speaker 4: kicking ass, solving problems, answering questions, taking complaints, listening to consumers.
Speaker 1: So uh unlike these uh climate change advocates. I don't
Speaker 1: just talk about stuff. I experience it. I often. I
Speaker 1: don't know. I don't know how you people feel in
Speaker 1: general about consultants, Mark, how do you feel about consultants?
Speaker 1: In general.
Speaker 12: For what though, consultants for just any kind of constru anything,
Speaker 12: because just the industry, the consultant industry.
Speaker 1: And I know what you're gonna say, I've never given
Speaker 1: a thought.
Speaker 12: I mean, like, if you were going to try to
Speaker 12: get in shape, I would think a consultant would be
Speaker 12: good to tell you what kind of weights to lift,
Speaker 12: how far to run exactly exactly.
Speaker 4: Or if you're doing marketing, you want someone who's familiar
Speaker 4: with the different marketing or your dream. But the point
Speaker 4: I'm trying to make is this, you want consultants who
Speaker 4: know what they're doing. The old joke was this guy
Speaker 4: was giving a seminar on a hundred ways to make
Speaker 4: love and he was not He doesn't have a girlfriend
Speaker 4: and he's not married. You know, there's a joke about
Speaker 4: marriage counselors who aren't married or people who consult on things,
Speaker 4: and they really don't have anything but education, they.
Speaker 1: Don't have the experience.
Speaker 4: And so I often, I swear to God, I can't
Speaker 4: tell you how many times I'm hit up on this show.
Speaker 1: Oh people want to be a guest on this show.
Speaker 1: Or I read about so called experts, you know, being
Speaker 1: in the journal in the in the broadcasting industry, and
Speaker 1: we're always hit up by PR people, Right, here's the
Speaker 1: number one guru and customer sales and service or in
Speaker 1: customer service, and I always I just find it funny.
Speaker 4: And so when I if I ever pre interview one
Speaker 4: of them, I said, what makes you an expert on
Speaker 4: customer service?
Speaker 1: Well, I've worked with the biggest retailers in the country
Speaker 1: blah blah blah.
Speaker 4: And I said, yeah, but what about the customer service part?
Speaker 4: And then what makes you an expert on even a
Speaker 4: consumer a customer? What would make you an expert at that? Well,
Speaker 4: we've done we have this research report, we have this
Speaker 4: white paper, we've done this, we've done that.
Speaker 1: I said, what's your sampling size?
Speaker 4: Usually when you do these, young man, I don't know
Speaker 4: where you're going with this, but I've worked with and
Speaker 4: that's where they start talking about who they work. Would
Speaker 4: I say, Okay, Normally what you find is they do
Speaker 4: samplings of two hundred and they do surveys. Samplings of
Speaker 4: two hundred four hundred is usually giant survey. Yeah, they're random,
Speaker 4: and I'm not talking to I'm not saying these scientific.
Speaker 4: If you do a really good survey, I'm not saying
Speaker 4: you're not going to get useful information, But what if
Speaker 4: you did.
Speaker 1: A survey.
Speaker 4: Five days a week for fifty years, and on every
Speaker 4: one of those days you talk to dozens of consumers
Speaker 4: or read their emails or voicemails and interacted with consumers
Speaker 4: that many times directly directly, not your saff but you
Speaker 4: And so I tried to I tried to put myself.
Speaker 1: In a pigeonhole. Yeah, I am a consultant, you know, Bob.
Speaker 4: I come to your place and I talk to you
Speaker 4: guys about customer service and what the consumer's thinking, don't
Speaker 4: I yes, and what they're thinking when you walk to
Speaker 4: the door. But I'm not doing that based on a
Speaker 4: sampling of two hundred I'm doing that based on a
Speaker 4: sampling of hundreds of thousands of commons. So if you
Speaker 4: talk to me about an industry and what somebody likes
Speaker 4: or doesn't like, or how do you make a consumer
Speaker 4: react to this this or this or this, It doesn't
Speaker 4: matter that I work with large corporations.
Speaker 1: It doesn't matter that I know so and so or
Speaker 1: such and such. It doesn't matter. What matters is do
Speaker 1: I know consumers and how do I know them? And
Speaker 1: I'm going to tell you that that's the strength of
Speaker 1: the show.
Speaker 4: We help people based on information we've gathered from people,
Speaker 4: and we go after bad guys based on information we
Speaker 4: have here, and we go have we get good guys
Speaker 4: based on information we have here. It's based on real data.
Speaker 4: No one, there is no one. You can have the
Speaker 4: capital Jay journalism from Yale. I don't care and why
Speaker 4: you You could be a broadcaster, you know, it doesn't
Speaker 4: matter who you are, But you don't know consumers.
Speaker 2: Like we do.
Speaker 4: You absolutely positively do not. And there's not an organization
Speaker 4: in the world that has done more research than me,
Speaker 4: not one. There is not one consumer expert in the
Speaker 4: world who has directly talked to as many consumers as
Speaker 4: I have and better yet kept track of every.
Speaker 1: Single call an encounter. So if you said, Tom, why
Speaker 1: does this happen in this industry? I can tell you.
Speaker 1: And if you ask me why does that happen in
Speaker 1: that industry? I can tell you. And I don't need
Speaker 1: a high falutin consultant who's done a survey based on
Speaker 1: two hundred respondents to tell me. Although they're not trust me,
Speaker 1: they're not useless. These surveys can be very very good,
Speaker 1: well and very good.
Speaker 4: If that sampling is done scientifically, and if you can
Speaker 4: get them to be honest in their answers, how do
Speaker 4: you do that?
Speaker 1: That's a whole art unto itself.
Speaker 4: How do you know if somebody's being honest with you
Speaker 4: with an answer, and how do you pose the question
Speaker 4: so you get the honest answer.
Speaker 1: So let's just put it out there.
Speaker 4: Mark, We've gone and talked to companies, We've gone and
Speaker 4: talked to employees, We've gone and talked about holes in
Speaker 4: the ship.
Speaker 1: And there's a.
Speaker 4: Reason we know more than anyone else in the industry
Speaker 4: because I live it every single day.
Speaker 1: Now, there's a reason I'm bringing this up. If you
Speaker 1: have a business, We've said this before. I'll do this
Speaker 1: for you.
Speaker 4: I'll help you free. I'm not looking for anything. If
Speaker 4: you want me to evaluate what you're doing, if you
Speaker 4: get a lot of complaints or a lack of reviews
Speaker 4: or this or that. Now, I'm not going to tell
Speaker 4: you I'm going to be your onboard consultant for the
Speaker 4: rest of your life, but I'll give you a consult
Speaker 4: and I'm not looking for anything in the future, by
Speaker 4: the way, So don't think, oh, this is Tom's way
Speaker 4: of getting his foot in the door. Footing the door
Speaker 4: for what I'm seventy one years old.
Speaker 1: My foot's out of the door. My foot's I don't
Speaker 1: want a job. I just want to help people. I
Speaker 1: swear to God.
Speaker 4: I know it sounds weird, but I just love helping people,
Speaker 4: and I love helping young business. So give me a
Speaker 4: call sometime and you can use my Google Voice and
Speaker 4: you can fax me or text me.
Speaker 9: There.
Speaker 1: I'm sorry, I'll see the age came out seven four
Speaker 1: seven nine nine nine fifty eighty seven four seven nine
Speaker 1: nine nine fifty two eighty.
Speaker 4: I can look at an operation, I can look at problems.
Speaker 4: I can look at what's going on in your business
Speaker 4: that you can't figure.
Speaker 1: Out and find it. I can find it. Kelvin? Is
Speaker 1: it Kelvin or Kevin? Does she misspell your name? Is it?
Speaker 1: Or is it Calvin.
Speaker 10: Kelvin?
Speaker 9: Like the temperature? Oh well, yeah, my mom bought My
Speaker 9: mom bought a washing machine appliance factory. She bought to
Speaker 9: extend the warranty theme and the washing machine. The first
Speaker 9: time they came out was two years old. You've had
Speaker 9: a factory warranty up to two years old. And then
Speaker 9: they extend the warranty kicked in.
Speaker 1: What does she buy By the way, did you say, Calvin,
Speaker 1: what did she buy.
Speaker 9: A Samsung washing machine from appliance factory?
Speaker 1: Okay?
Speaker 9: Really?
Speaker 1: And then you said the first time? So what do
Speaker 1: you mean the first time?
Speaker 9: The first time it needed repaired. It was about two
Speaker 9: years old. It needed some screws fell out, so they
Speaker 9: come and replace the screws.
Speaker 1: And this is after she so this is a two
Speaker 1: year old unit that she bought from them. They came
Speaker 1: out to service.
Speaker 9: Yes, with the extended warranty that we purchased for the guy.
Speaker 4: Yeah, but if you buy a brand new Samsung, when
Speaker 4: did she buy the brand new Samsung?
Speaker 9: In twenty twenty two, twenty twenty two, November of twenty
Speaker 9: twenty two, Okay, keep going. And so the repairman come out,
Speaker 9: put the new screws in it, and he said, oh,
Speaker 9: it needs a new tub. So they ordered it to
Speaker 9: replaced the tub. And then in December of last year,
Speaker 9: the repair.
Speaker 1: Man and all of that was paid by all of
Speaker 1: that was paid by the warranty.
Speaker 9: Right, No, that the original the manufacturer warranty. And then
Speaker 9: the second repair was on the extended warranty or yeah,
Speaker 9: the second repair was on.
Speaker 10: The extend okay, warranty.
Speaker 9: Okay, people with the extended warranty said, it's going to
Speaker 9: cost more to fix the w wassher than the washing
Speaker 9: machine's worth. And they offered her one hundred and eighty
Speaker 9: one dollars if she would come and buy a new
Speaker 9: warsher from them.
Speaker 4: But but, but wait a minute, we're talking about twenty
Speaker 4: twenty two, twenty three, twenty four.
Speaker 1: We're not even talking about three years old.
Speaker 9: No, no, we're not.
Speaker 1: Wait a minute.
Speaker 15: Machine.
Speaker 4: They're telling you that this three year old, this this
Speaker 4: three year old appliance factory outlet washing machine, the Samsung
Speaker 4: is so bad in two or three years that she
Speaker 4: should just buy a new one.
Speaker 9: Yes, and they'll give her three hundred and eighty one
Speaker 9: dollars in store credit.
Speaker 1: What is she pay for it? What did she pay
Speaker 1: for it?
Speaker 9: It was like it was with the extend the warranty,
Speaker 9: and that I think it was right at one thousand
Speaker 9: dollars more.
Speaker 1: I don't want to hear about the extended warranty. What
Speaker 1: does she pay for? The appliance.
Speaker 9: Was eight eight ninety nine with tax?
Speaker 4: Okay, now here's what I want to tell you, I'm
Speaker 4: no lover of the factory outlet, a factory appliance factory outlet.
Speaker 4: In fact, Mark has become quite an expert at them,
Speaker 4: he really has. I mean, he's delved into their paperwork
Speaker 4: and exclusions and I'm going to be talking asking him
Speaker 4: about certain things. But the way they operate is totally
Speaker 4: different than any other Applian store. But she bought a
Speaker 4: new Samsung washing machine for eight ninety nine and two
Speaker 4: twenty two from Applians Factory outlet. Now they're offering her
Speaker 4: three hundred and fifty dollars that. I just want to
Speaker 4: say this, and I again, that is not entirely terrible
Speaker 4: in my opinion, not entirely, but but I would be
Speaker 4: pissed that I have to do it. Like, I don't
Speaker 4: even understand how can a Samsung. I mean, I have
Speaker 4: a Samsung washing machine and I bought mine way prior
Speaker 4: to that. I love my Samsung appliance. I love the
Speaker 4: washing machine, right, but what would I don't even understand
Speaker 4: why they would say it's not worth fixing. What's wrong
Speaker 4: with it?
Speaker 9: They the repair man really didn't say what was wrong
Speaker 9: with it. He just said it needed all these parts
Speaker 9: and that he would order the parts. And then next
Speaker 9: thing we know, we get a call from the extended
Speaker 9: warranty people because it fell under them.
Speaker 1: What is the name of the extended warranty? Oh?
Speaker 9: See here, I talked to him a little while ago,
Speaker 9: and they never gave it, gave me their name.
Speaker 11: I have their phone number though.
Speaker 1: Yeah, but wait a minute, you bought the extended warranty.
Speaker 1: Is it called the effect is? Is it the factory
Speaker 1: appliance outlet warranty?
Speaker 9: It's the factory appliance to extend a warranty.
Speaker 1: Yes, it's the one they sell. But you don't know
Speaker 1: who the underwriter is, right, No.
Speaker 9: I don't know the name of the underwriter and company. No,
Speaker 9: I don't Okay, And.
Speaker 1: How much does she pay for that? About?
Speaker 7: You said?
Speaker 15: So?
Speaker 1: She paid approximately one hundred and fifty bucks for it.
Speaker 9: For they extend to warranty. Yeah, two hundred dollars.
Speaker 4: Yeah, okay, so so far, and embrace yourself for this.
Speaker 4: I'm not hearing a big screw job. That's a reasonable
Speaker 4: price for a warranty. It was the reasonable price for
Speaker 4: the washing machine, and it was reasonable even to offer
Speaker 4: that three point fifty one. The only question I have
Speaker 4: is why it doesn't seem it seems weird. But Mark,
Speaker 4: I need to ask you Mark. Oh, no, I gotta
Speaker 4: take a break. I want to know how they operate,
Speaker 4: because Mark will tell you it's not the same as
Speaker 4: if you went out and bought that at Home Depot
Speaker 4: or at best Buy. Okay, So hang on and we'll
Speaker 4: figure out why. Yeah, we'll figure out how. I'm Tom
Speaker 4: Martino more coming up. Go with a sure thing Denver's
Speaker 4: Best roofer Excel Roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance checkup free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three O three seven to seven to 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 three nine two zero sixteen twenty two.
Speaker 1: Hi Tom Martino, your troubleshooter.
Speaker 4: I got a furnace question here and they said, Tom,
Speaker 4: you said you needed a good furnace to make the
Speaker 4: air conditioner work. Does that mean I have to replace
Speaker 4: the furnace when I'm getting my AC. So, Bob, you know,
Speaker 4: do people have to do with them both at the
Speaker 4: same time. I mean, I would imagine they're both about
Speaker 4: the same age, right in most homes. Where have you
Speaker 4: ever found places where maybe the AC is way newer
Speaker 4: than the furnace, of the furnace newer than the AC.
Speaker 5: Yeah, it's actually quite common. I mean, you know, a
Speaker 5: lot of a lot of homes, even new builds today
Speaker 5: don't have air conditioners to them. It's an option, and
Speaker 5: so a lot of.
Speaker 1: Hard or may they may have added it years later.
Speaker 1: So let's just say so, let's say they added years later.
Speaker 4: So now they got an AC, the AC ten years old,
Speaker 4: let's say, but the furnace is twenty five or twenty six.
Speaker 4: You can just replace that furnace, right.
Speaker 5: You can just replace one component or the other, either
Speaker 5: the furnace or the air conditioner system.
Speaker 1: But if it's that old, if the air conditioner's ten
Speaker 1: years old, let's say, it's not going to be hard
Speaker 1: to find a to matches.
Speaker 5: It's well, it's it's not. But nowadays, the furnace and
Speaker 5: air conditioning systems that they've always worked in conjunction with
Speaker 5: each other. But now with with communicating systems and Wi
Speaker 5: Fi it's and all that, it's it's in an ideal situation,
Speaker 5: you really do want them together, right, but but it
Speaker 5: doesn't necessarily have to be that way. And so that's
Speaker 5: why it's so important to get somebody you can trust
Speaker 5: to explain the differences of you know, what, what your
Speaker 5: needs are, what you're hoping to accomplish, and and the
Speaker 5: thing to keep in mind too, is that the installation
Speaker 5: process is one of the most expensive parts of the
Speaker 5: furnace and air conditioning system, but.
Speaker 1: It's one of the most important too, correct And.
Speaker 5: But but my point is if you if you're replacing one,
Speaker 5: you'll play just a little bit more on installation costs
Speaker 5: to replace both, where if you're doing them separately and.
Speaker 1: Correct correct, furnaces are way cheaper as Yes, that's correct.
Speaker 4: So Kelvin, let's talk about this now, this washer, she
Speaker 4: bought it had some problems with it. Now they're saying
Speaker 4: it's better to just replace it, and they'll give her
Speaker 4: three point fifty Mark.
Speaker 1: What do you remember? Mark says, a lot of their
Speaker 1: stuff's been taken down from their website. Mark, was your
Speaker 1: recollection on how they did bid well, if.
Speaker 12: They sold steep into it, if they sold stuff as
Speaker 12: a second I mean, I'll call it a scratch and dent.
Speaker 12: They would generally warranty it themselves, meaning the manufacturer's warranty
Speaker 12: was void, there wasn't one, so they would fix it.
Speaker 12: But the exclusions they had in their warranties were quite incredible.
Speaker 12: But they're no longer on their website. I'm trying to
Speaker 12: find a copy of them from the past.
Speaker 1: But maybe I remember Mark, didn't you say that?
Speaker 4: Didn't you say that everything they sell they sell direct.
Speaker 4: They buy it and then resell it. They're not everything,
Speaker 4: not everything, okay, but a lot of the stuff you buy,
Speaker 4: you're buying scratch and dents.
Speaker 12: Yeah, some of the scratch and dents, like maybe they
Speaker 12: bought them from a builder that can't use them anymore,
Speaker 12: so they're not buying them from the manufacturer. But I
Speaker 12: do believe they also sell stuff with a manufacturer's warranty.
Speaker 12: But either way, the manufacturer's warranty is going to be
Speaker 12: out on this. Most of them are only one year,
Speaker 12: so they're definitely going to be under that service contract.
Speaker 12: To me, i'd be curious to look at that extended
Speaker 12: warranty to see if there's a dollar amount they'll only.
Speaker 1: Pay up to.
Speaker 12: Because it's kind of odd they're saying, hey, we don't
Speaker 12: want to fix it because it's too expensive, but we'll
Speaker 12: give you four hundred bucks. I mean, if the warranty
Speaker 12: says that, fine, but if it doesn't say it, I
Speaker 12: think they need to fix it.
Speaker 1: Kelvin, did you look at the warranty and their offer
Speaker 1: and how it looks?
Speaker 15: You know?
Speaker 1: And have you looked at it?
Speaker 9: I tried to pull it up online. They told me
Speaker 9: to look up one and I cannot find it online
Speaker 9: through a plant factory.
Speaker 4: So you don't have a cop you don't have a
Speaker 4: copy of it. I don't like that idea of looking
Speaker 4: it up online because it's kind of like saying, I mean,
Speaker 4: they could have changed it since you.
Speaker 1: Bought it, you know what I mean?
Speaker 11: Yeah?
Speaker 1: Yeah, I want to know the terms and conditions of
Speaker 1: the warranty your mom got. What are the terms and conditions?
Speaker 1: Did your mom get any kind of documentation on the warranty?
Speaker 9: The only thing it just says on the bill that
Speaker 9: she got it's a four year single appliant's warranty.
Speaker 1: Oh wait, I'd love to look for it. Do you
Speaker 1: have a copy of it?
Speaker 9: I just have a copy of the bill what we
Speaker 9: got with the numbers they have on it, and that's it.
Speaker 9: That's all she has. I know when she bought it,
Speaker 9: the reason she bought it from, she said with the
Speaker 9: extended warrant. She when she bought it, they told her
Speaker 9: that if she buys the extended warranty that it'll be good,
Speaker 9: she'll have it, she won't have to worry about it,
Speaker 9: and that if anything breaks, they'll fix it, and if
Speaker 9: they can't fix it, they would replay. Is what they
Speaker 9: told her in the store to day she bought it.
Speaker 9: But we never got a copy of the extended warranty
Speaker 9: or anything they said. That was all online, is what
Speaker 9: she told me.
Speaker 1: Okay, so you can't find it? No, and Martin, did
Speaker 1: you find it?
Speaker 19: Now?
Speaker 12: I'm trying to get a copy of the extended warranty.
Speaker 12: I'm chatting with someone on their website. But I have
Speaker 12: a feeling, okay, buy.
Speaker 1: Maybe we can have someone during the show right now.
Speaker 14: Calvin, Tom, Calvin, ahead, this is bo. Your mom bought
Speaker 14: this extended warranty. They're supposed to fix it. I would
Speaker 14: just call over there. You probably got a technician out
Speaker 14: there that didn't really know what he was doing and
Speaker 14: was just going to try to throw parts at it.
Speaker 14: I think you should call up and say, I got
Speaker 14: this extended warranty, you're supposed to fix it. Now, get
Speaker 14: the machine fixed.
Speaker 1: Do you have any notes on the service call as
Speaker 1: to what's wrong with the washer?
Speaker 9: No, he never gave us any notes or anything. He
Speaker 9: just said that he told my mother that he would
Speaker 9: order the party.
Speaker 4: Did the well No, What I'm asking is, did the
Speaker 4: appliance come when she bought it in a new box
Speaker 4: like a new appliance or was it a scratch in dent?
Speaker 1: Do you know?
Speaker 9: It was a brand new appliance that come and they
Speaker 9: delivered it in a box tour.
Speaker 4: But she never used the original She never used the
Speaker 4: original factory warranty.
Speaker 9: No, because that run out and she's only used the
Speaker 9: extended warranty on it.
Speaker 4: Okay, so she did have an actual fact she did
Speaker 4: have an actual warranty though, Yes she did.
Speaker 14: Okay, I think Tom and just tell him to us
Speaker 14: that Calvin, I'll be happy to make a call over
Speaker 14: there for you and just see if we can come.
Speaker 12: Why says right here, guys, here's what I found. It
Speaker 12: says all plans no refunds will be made based on
Speaker 12: the replacement product cost difference. The most we will pay
Speaker 12: and or be liable for on any single repair to
Speaker 12: your covered product or its replacement is the current depreciated
Speaker 12: price you paid for the original product at the time
Speaker 12: of the original purchase, excluding taxes.
Speaker 1: Does that mean that means the most they're going to
Speaker 1: pay for it is the depreciated value.
Speaker 12: It's almost like ACV policy on a roof, so that
Speaker 12: they're saying her fifty They're saying her washing machine right
Speaker 12: now if it was working, is worth three hundred and
Speaker 12: fifty bucks or whatever the amount is, and that's the
Speaker 12: maximum they'll pay out.
Speaker 4: Even so that's why if the repair equals more than
Speaker 4: what it's worth, they're not going to repair it.
Speaker 1: Yeah, which is like, that's just insane. So, I mean,
Speaker 1: why call it a fort mark?
Speaker 4: A lot of like a used car. A used car
Speaker 4: warranty says that in a way. It says when cumulative repairs,
Speaker 4: not just the current repair, but the cumulative cost of
Speaker 4: repairs equals the mark the current market value of the car,
Speaker 4: then you have no more coverage.
Speaker 12: Yeah, but in this case it's it's really crazy because
Speaker 12: it's a freaking washing machine.
Speaker 1: Right, hold on a sect.
Speaker 4: Maybe we'll, uh, we'll we'll explore this some more coming up,
Speaker 4: but I'll take your other calls three h three seven
Speaker 4: one three eight two five five 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: too much your coverage at dozens of insurance companies find
Speaker 4: out now three all three seven seven to one.
Speaker 1: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two.
Speaker 1: Hey, I saw Martino.
Speaker 4: You're a troubleshooter at three O three seven one three
Speaker 4: talk seven one three eight two five five.
Speaker 1: Okay, So how are we going to leave this? What
Speaker 1: are we gonna do for Calvin?
Speaker 14: I think Calvin should get his wash his mom's washing
Speaker 14: machine fixed under the terms of the warranty. Yeah, instead
Speaker 14: of trying to buys, uh, spend more money for a
Speaker 14: new one. The agreement was to get it fit.
Speaker 4: But yes, but Mark said, there's a disclaimer and if
Speaker 4: if it's in the if it's in the agreement, there's
Speaker 4: not much he can do about it, true, unless we
Speaker 4: call it. If they have the choice, if they have
Speaker 4: the choice of buying them out at a ACV value,
Speaker 4: and that's the choice in the warranty, that's what they bought.
Speaker 1: Now, that's true. But if you could hunt that down,
Speaker 1: I mean, you want this one bone.
Speaker 14: Yeah, I mean I met Chuck Ewing one time years ago.
Speaker 14: He's the owner of the place. I mean, it'd be
Speaker 14: worth for me to make a call, maybe make it
Speaker 14: right with these people and just get get her washing
Speaker 14: machine fixed. I'd like to take it on.
Speaker 4: Okay, now did it, hey, Kelvin, did it have a
Speaker 4: lot of problems or just a few problems?
Speaker 1: How many times have has she had to use the warranty?
Speaker 9: In other words, twice?
Speaker 1: Okay, that's not bad. And this is the second one? Wait? Wait,
Speaker 1: so would this be the third one or is this
Speaker 1: the second one?
Speaker 9: The first repair income out? He said it needed some
Speaker 9: and then he said it needed and yeah, but no, what.
Speaker 4: I'm asking what Calvin, I'm asking in the life of
Speaker 4: this appliance. How many different problems has she experienced? Okay,
Speaker 4: this is the second repair. Okay, all right, thank you Calvin.
Speaker 4: So Bo is going to be getting in touch with you,
Speaker 4: be waiting for his call, and again I think there's
Speaker 4: their offer doesn't sound terrible to me?
Speaker 1: Peggy, Hi? What's going on? Peggy?
Speaker 7: Hi?
Speaker 19: Yeah, this is Peggy.
Speaker 1: I'm listening. I'm listening.
Speaker 22: Oh go ahead.
Speaker 1: Are you on a speaker?
Speaker 19: Yes, only because I'm hearing impaired. And when I look,
Speaker 19: I have a I have a captain phone.
Speaker 1: No, No, that's okay, that's okay.
Speaker 9: Okay, okay, what's.
Speaker 10: Okay?
Speaker 19: What I what I'm trying to access is homeowner's insurance.
Speaker 19: My former company canceled me, uh or let me know
Speaker 19: in January that I would be canceled by March sixth,
Speaker 19: which would have been my renewal dates.
Speaker 1: And why are they canceling you? Why are they canceling you?
Speaker 19: And they well, on the letters, they they said that
Speaker 19: they don't have to tell me why they're canceling. But
Speaker 19: I found out later it's because I have three claims
Speaker 19: within five years and that makes me high risk. Therefore
Speaker 19: they canceled me.
Speaker 3: And no one else.
Speaker 4: And they're right about this. They're right about that. They
Speaker 4: don't have to tell you squat and but they are
Speaker 4: also right that I don't know if it's the word
Speaker 4: right or wrong even matters. They can cancel you and
Speaker 4: that's what they're doing. So whether you agree whether it
Speaker 4: or not, that's just the way it is. So now
Speaker 4: you need help finding another policy.
Speaker 9: Right, Yes, I have to read what you said.
Speaker 19: Okay. One thing I want I would like to bring
Speaker 19: out upfront is that one of those claims I was
Speaker 19: told it would not go against me and it would
Speaker 19: not be in my record because they didn't pay anything.
Speaker 19: They wouldn't pay it, and the lady on the phone
Speaker 19: had told me this one will not go against you
Speaker 19: because we're not paying the claim. Well, it's on there
Speaker 19: and it's causing me not to be able to get
Speaker 19: insurance from any other company.
Speaker 1: It comes back. Oh goodness, Wait a minute, Wait a minute, Peggy,
Speaker 1: this is what I need to know.
Speaker 4: What is the nature of this here this non renewal
Speaker 4: or excuse me, no, I mean the nature of the
Speaker 4: previous claims.
Speaker 1: What were the previous claims?
Speaker 19: Okay, two of them were my roof, one was wind
Speaker 19: damage and one was hail damage, but the one they
Speaker 19: did not pay was water in my basement.
Speaker 1: Yeah, but you inquired about it.
Speaker 19: I inquired and the lady said, well, we can't.
Speaker 1: We don't pay that and it.
Speaker 22: Won't go against you.
Speaker 9: But it is going against me.
Speaker 19: I've had I've called every major insurance.
Speaker 4: What they meant, Okay, Yeah, it is going against you,
Speaker 4: and you're not going to do it. Peggy, You're not
Speaker 4: going to do anything about it. I want to be
Speaker 4: honest with you rather than waste your time. You're not
Speaker 4: going to quibble over whether they paid anything or not.
Speaker 4: Because their definition of a claim is acclaim. See a
Speaker 4: claim is a request or an inquiry. It's not necessarily
Speaker 4: a paid or settled claim. It's a claim.
Speaker 1: Do you know I knew I knew someone who inquired
Speaker 1: about lost or stolen jewelry and it turned out to
Speaker 1: be nothing. They didn't pay anything.
Speaker 4: They then put in a claim, not put in a claim,
Speaker 4: but they asked about a claim for.
Speaker 1: Uh, the same household. I forget what it was for.
Speaker 1: I think it was a sewer back up.
Speaker 4: And then the third and they didn't pay on that,
Speaker 4: and then the third because it was a city's problem
Speaker 4: or something.
Speaker 1: The third one had something to do.
Speaker 4: With a broken window from hail and water, and they
Speaker 4: never paid on any of the claims, but they were
Speaker 4: canceled for them.
Speaker 7: Well, I don't want to mess over it.
Speaker 19: I just want to buy new insurance.
Speaker 15: I just want to buy it.
Speaker 1: No, I want to help you. Let's get let's get
Speaker 1: our insurance expert on you hang on. And what I
Speaker 1: meant by quibba, what I meant was we we shouldn't
Speaker 1: waste time with this company. What is the name of
Speaker 1: the company, by the way.
Speaker 19: The company that cancel my policy is SAFECode.
Speaker 4: Uh oh hm. You know what's the problem with that
Speaker 4: is is that they might uh okay, what a safe
Speaker 4: Code is a pretty mainline company. I got to figure
Speaker 4: out what's going on here? Were those other claims? Were
Speaker 4: those other claims? Okay, let's take a break. I'll be
Speaker 4: right back. 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 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 oh
Speaker 4: three seven seven one help. You'll think you're his only
Speaker 4: customer when you is Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 7: Ripped new need.
Speaker 2: Advice so you don't have.
Speaker 21: Come running.
Speaker 2: Just as fast as we can, Shooter's gonna help coming man.
Speaker 3: This is the Troubleshooter Show now, Tom Martino, Hey.
Speaker 1: Tom Martino here, Welcome to the show.
Speaker 4: We are here solving problems, answering questions, taking a planks,
Speaker 4: and making your life a little easier. This hour brought
Speaker 4: to you by Renew Home Innovations, who will do the
Speaker 4: most beautiful shower conversions. If you've ever seen sheep porcelain,
Speaker 4: My god, is it beautiful, all different colors and patterns or.
Speaker 1: You can get pure white. Anyway.
Speaker 4: He does these shower conversions with these with this porcelink
Speaker 4: and put porcelain anywhere in your bath to match.
Speaker 1: And you got to check them out.
Speaker 4: Kay. Renew Home Innovations dot Com three oh three nine
Speaker 4: are four two thousand. These shower conversions take two or
Speaker 4: three days, that's it, and then you can have months
Speaker 4: and months to pay. There are so many financing options.
Speaker 4: Renew Home Innovations dot Com three oh three nine are
Speaker 4: a four to two thousand. So we're talking about home insurance.
Speaker 4: We're getting our expert on, so hang on. I'll go
Speaker 4: back to you when we have our expert. But now
Speaker 4: I'm going to talk to Hetty about Sentrylink. Hetty, what's
Speaker 4: going on with Sentrylink?
Speaker 1: Oh?
Speaker 20: Hi, Tom, thank you so much.
Speaker 5: Hi.
Speaker 20: I have macielneration and I can see to dial the phone,
Speaker 20: and my daughter's here right now and she helped me
Speaker 20: dial dial Youth because we were at the hospital at
Speaker 20: University Hospital, so I had them come out Lulan. It
Speaker 20: was for a Century Link. And he looks at the
Speaker 20: phone and he can't find the phone connection around my
Speaker 20: house for the landline.
Speaker 1: I have wait a minute, hold on, hold on. He
Speaker 1: looked at what phone? Dear, what phone did he look
Speaker 1: at that?
Speaker 20: I have a landline at my house and I was
Speaker 20: going to get another phone from the internet that has
Speaker 20: big numbers so I could see the dial out.
Speaker 1: Right.
Speaker 20: You can't see that?
Speaker 18: What?
Speaker 1: So what did he? What did? What did he do?
Speaker 20: He went around looking around the house because there's apparently
Speaker 20: a connection in the wiring on my phone.
Speaker 1: Now I get it.
Speaker 4: What I need to know is this the phone that
Speaker 4: you have. You want to get a bigger number phone.
Speaker 4: But the phone that you have, is it a cordless phone.
Speaker 20: Yes, it's a pan of Sonic's kidless phone. But I
Speaker 20: can't okay now that small numbers.
Speaker 4: Just hold on, hetty, hetty, I understand all this not talking.
Speaker 4: I'm just trying to discern something. You have a cordless phone.
Speaker 4: And do you know where the base is for that phone?
Speaker 4: Where you you set it in the base to charge?
Speaker 20: Yes, on the desk phone charger, got it.
Speaker 1: And then and then that you plug in the base
Speaker 1: station you plug into the jacks on your wall, right correct?
Speaker 4: Yes, So you're telling me that a guy from Sentry
Speaker 4: Link could not tone that line, Well, well here's what
Speaker 4: it is. Well, then he's an idiot. There's no other word.
Speaker 4: He's an absolute idiot.
Speaker 1: And I can't even believe it because if you are
Speaker 1: plugged in somewhere, and you know what I mean. You
Speaker 1: know those plugins, the jacks on the wall, you have
Speaker 1: them at your house, right spoil?
Speaker 4: Yeah, well hold on, but you do have how many
Speaker 4: jacks or or or plug ins are there around your
Speaker 4: house to plug in a phone if you want it.
Speaker 20: To come any street.
Speaker 4: Okay, okay, good Now, now you're telling me you have
Speaker 4: four jacks. You have four jacks or five jacks or whatever,
Speaker 4: it doesn't.
Speaker 1: Matter how many. And this moron, I don't want to
Speaker 1: insult my morons. This idiot from CenturyLink could not find
Speaker 1: your main connection.
Speaker 20: Right he's set outside what's called.
Speaker 1: It's called the central office. He can't find the co
Speaker 1: he can't find the interface.
Speaker 4: What this idiot does not understand is that he can
Speaker 4: plug in what's called a toner to one of those lines,
Speaker 4: to any of those jacks, and he can.
Speaker 1: Go outside and find out where that is.
Speaker 4: I could do it for him in ten minutes. And
Speaker 4: I don't work for CenturyLink. So what kind of a moron,
Speaker 4: I'm sorry, do we even need kind of do?
Speaker 1: Is? Plug in the new phone into the cords that
Speaker 1: she's got right now?
Speaker 20: We tried to plug it in. It works for my
Speaker 20: daughter's house, but for some reason, it doesn't work with
Speaker 20: the wiring we have here.
Speaker 1: I don't wait a minute, wait a minute, it doesn't
Speaker 1: work with the wiring you have. Is it a cordless
Speaker 1: phone as well? The big number phone? Okay, you have
Speaker 1: a big number cordless phone, and you took the base
Speaker 1: station and plugged it into one of the jacks at
Speaker 1: your house, right, and it won't act. You don't hear
Speaker 1: a dial tone, or you don't get a dial tone
Speaker 1: or anything.
Speaker 7: The same jack.
Speaker 1: Now this phone is currently plugged into.
Speaker 4: Yeah, good, good observation. Dragon, it's the same. You plug
Speaker 4: it into the same place this one is plugged into.
Speaker 1: And it won't work.
Speaker 20: Correct, it won't work.
Speaker 1: What happens? What happens when you click it?
Speaker 20: It's stabic?
Speaker 1: No dial tone? No, But you put the other one
Speaker 1: back in and you get dial tone.
Speaker 20: Correct. And when he said we didn't have the right one,
Speaker 20: so he ordered the one he wanted us to order
Speaker 20: off the internet.
Speaker 1: Well, it could be it could be the phone that
Speaker 1: you bought. Do you have a model number and stuff?
Speaker 1: Did you buy it on Amazon?
Speaker 20: The model number on the phone? It's over there. Yeah,
Speaker 20: she has it here.
Speaker 1: Give it to me, Give it to me. I want
Speaker 1: to know the exact phone you bought.
Speaker 20: Okay, she's going to go get it just a second now.
Speaker 20: And he left his cell phone number with me and
Speaker 20: said when we get the new one, he'd come over
Speaker 20: and put it in and we we've called and called
Speaker 20: and left a messine and called.
Speaker 1: Wait wait and he so, did you get it? Did
Speaker 1: you get another one?
Speaker 20: We got another phone? It's the same one. My daughter says,
Speaker 20: here you tell.
Speaker 1: You, okay, give me the model, give me the make
Speaker 1: and model, give me anything you got.
Speaker 20: Okay, just a second, my daughter's going to give.
Speaker 1: It to you. Sure, just a minute, Sure, thank you? Hello, Hi,
Speaker 1: can you tell me what phone that is?
Speaker 23: Yeah, it's a S I think I m p L
Speaker 23: simple Photo dial six.
Speaker 1: Okay, So it's s I m p l U.
Speaker 23: Huh, landline Photo memory and big button phone for.
Speaker 15: Seniors, Landline.
Speaker 4: Okay, done, Landline. I'm looking up Landline. Keep keep going
Speaker 4: with the description. So a simple photo, landline.
Speaker 23: Photo memory, big button phone for seniors. One touch diamos our.
Speaker 1: Simple landline Photo Memory. I got it. I got it, okay,
Speaker 1: and it.
Speaker 23: Will work at my house. It won't And I've tried
Speaker 23: every the.
Speaker 1: One I'm looking at.
Speaker 4: This is not this simple phone I'm looking at as
Speaker 4: a base. It's not a cordless phone. It's a regular phone.
Speaker 4: Is that what you're looking at.
Speaker 23: It's a regular phone. We were trying to It won't matter.
Speaker 23: Whatever outlet, we plug it in, and she has an
Speaker 23: extra landline that she turned off.
Speaker 1: No, I get it.
Speaker 23: Okay, she has an extra lay in her bedroom that
Speaker 23: they could turn on and plug it in. And the
Speaker 23: guy couldn't find the box for the landline connections. That
Speaker 23: it's her wiring. It works in my house, she would.
Speaker 23: They have a cordless one they use right now. It's
Speaker 23: with a base, but she can't dial with it. So
Speaker 23: I'm going to put her back on.
Speaker 1: And I understand. I understand that. But why is that
Speaker 1: phone the old one working and the new one won't.
Speaker 1: We don't know, but it won't. I have a feeling.
Speaker 1: I have a feeling this.
Speaker 4: New big button landline phone that I'm looking at here.
Speaker 4: I'm just trying to see all of the I'm wondering
Speaker 4: if it's truly.
Speaker 1: It says it is partial.
Speaker 4: Well, this one says partial traditional landlines. Okay, I'm telling
Speaker 4: you why.
Speaker 1: This is not a wonky It is a void Dare
Speaker 1: you looking at it? This is a voice machine? Did
Speaker 1: you look at it?
Speaker 7: Dragon? Yeah, I've got a up on the screen over here.
Speaker 11: Yeah, it could be a void phone, so it might
Speaker 11: be a.
Speaker 1: Little It is a void phone. That's exactly what it is.
Speaker 1: It it's it's a landline, but it's a voide. It's
Speaker 1: not what she needs. She needs to I don't know
Speaker 1: if they even make them anymore. But there's nothing wrong
Speaker 1: with her wiring. Okay, and there's nothing wrong with the phone.
Speaker 1: But she should You should return the phone, and you
Speaker 1: need a true what's called pots. It's called pots phone.
Speaker 1: It's called pots pot hot Listen, you know what pots
Speaker 1: and pans, pots and pans. It's the pots part of that.
Speaker 1: That's what you need. It's called pots.
Speaker 7: Now what that stands for.
Speaker 4: This is what it stands for plane old telephone service.
Speaker 4: I know this sounds crazy, but that's what they refer. Well,
Speaker 4: I'm gonna look it up on Amazon. You just need
Speaker 4: a pots landline, okay. Now, because your phone looking for
Speaker 4: an IP or excuse me, it's looking for broadband. Let's
Speaker 4: see pots landline phone. Let me just do some searching
Speaker 4: here and see if we can find one.
Speaker 1: Okay, Well, there's all kinds. Who told you which phone
Speaker 1: to get?
Speaker 15: He did, the.
Speaker 20: Fellow from Luhman from uh, what do you call it?
Speaker 15: Centenary link?
Speaker 1: No? I get it, I get it.
Speaker 11: No, I know it is a good.
Speaker 4: No, I know why he's doing it, because he's not
Speaker 4: thinking of your wiring. He's thinking of the phone itself.
Speaker 4: And it's a voipe phone.
Speaker 1: It's not what you have. VOIPE stands for voice over IP.
Speaker 1: That's not what you're looking for, although technically you could
Speaker 1: do you Do you have internet? Do you use Internet?
Speaker 19: Yes?
Speaker 22: Yes, he doesn't know how to.
Speaker 20: I don't know how. I don't know how to plug
Speaker 20: it in.
Speaker 6: Yeah.
Speaker 1: No, But what I'm asking is do you have internet service?
Speaker 22: And I thought, yeah, just a minute, I'll put her
Speaker 22: back on. We had also used another phone this future
Speaker 22: called FC FC eight eight eight big button phone, and
Speaker 22: that did not either. And I don't know if that
Speaker 22: one had voice over internet too, or the landline they
Speaker 22: don't use.
Speaker 4: Let me ask you something. At her house right there
Speaker 4: where you are, her apartment or whatever it is. Does
Speaker 4: she have Does she have Internet service?
Speaker 10: Yes?
Speaker 1: She does?
Speaker 23: They have a mod.
Speaker 4: They just.
Speaker 1: Okay, never mind, alright, forget that part. Okay. I think
Speaker 1: that it's a very simple thing.
Speaker 4: She needs a big button analog phone, just an old
Speaker 4: fashioned phone.
Speaker 1: That's how old is the building she find that one.
Speaker 22: Year old house.
Speaker 23: It's her house, Yeah, it's her house, and it's forty
Speaker 23: years old, and so you might be onto something because
Speaker 23: it worked in my house, probably because I have a
Speaker 23: voiceover internet, but she doesn't.
Speaker 1: Yeah, and okay, so that's all.
Speaker 4: She just return returned that phone because there's no problem
Speaker 4: with sentry length, no problem with anybody. And let's try
Speaker 4: to source one of those phones who can take this
Speaker 4: case and help her out.
Speaker 1: I uh, I can take care of a looking Amazon
Speaker 1: and the one do DOC. You know, Doc actually coming Doc.
Speaker 4: You're pretty technical here we're gonna get We're gonna have
Speaker 4: somebody contact your mom or you off the air. Probably
Speaker 4: I'd rather talk to you off the air. What we're
Speaker 4: looking for, just so you know, it's a plane old
Speaker 4: we're looking for. It's that's what it's called pots, plain
Speaker 4: old telephone service. So we want a phone that will
Speaker 4: just plug into ACT and not look for IP but
Speaker 4: simply look for dial tone.
Speaker 1: That's what we want.
Speaker 4: And I'm not sure if they make them new anymore.
Speaker 4: I mean maybe they don't even make them new anymore.
Speaker 4: And that's what we're gonna have to figure out. Okay, Uh,
Speaker 4: we that this is challenging. It's challenging for people. We
Speaker 4: have more coming up on the Troubleshooter Show three O three.
Speaker 1: Seven one three eighty five lives, stick around.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three O three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi Tom
Speaker 4: Martina here, All right, let's keep going, and Brian Burns,
Speaker 4: thank you for helping us out again.
Speaker 1: We have a question.
Speaker 4: We have a woman who she's not on right now?
Speaker 4: Did she hang up Kachina? Keep okay, maybe she's listening.
Speaker 4: But her homeowner's insurance Safeco is not renewing her due
Speaker 4: to three claims within five years, two claims for the
Speaker 4: roof and one claim for water in the basement that
Speaker 4: they never ended up actually paying, but still they're done
Speaker 4: with her. What does she do to find new insurance.
Speaker 4: Are you guys good with these kinds of cases or
Speaker 4: just with conventional.
Speaker 8: Cases like exhaust the standard market first, see if we
Speaker 8: can find someone that will take it. I still have
Speaker 8: some carries. Depending on what years those are in, I
Speaker 8: might be able to get someone on a standard market
Speaker 8: for that. If not, we would have to go to
Speaker 8: an excess market. But we could find a solution for her.
Speaker 8: Is it difficult, yes, yeah, three claims in five years
Speaker 8: is a lot only because that's why at least they
Speaker 8: look at they only look at five years. She could
Speaker 8: have She could be clean till the past, you know,
Speaker 8: ten years prior to that, but it doesn't matter. But
Speaker 8: it goes both ways. She also could have you know,
Speaker 8: someone comes in and they have no claims in the
Speaker 8: last five years, but they have you know, five claims
Speaker 8: to ten years before that aren't even looked at. It's
Speaker 8: just it's the only window they're looking at is the
Speaker 8: five years. So three claims in five years is a
Speaker 8: lot of claims.
Speaker 1: And even if the one was just an enquiry, I know.
Speaker 8: And that is easier to explain. Again, that's why it's
Speaker 8: good to work with different carriers, because I have some
Speaker 8: companies that still have underwriters that you can sit and
Speaker 8: talk to underwriters explain the circumstance and you say, this
Speaker 8: was just an inquiry. She was just looking at it.
Speaker 8: She didn't even pay and don't work with you on that.
Speaker 8: That's why I'm wondering if I could get a market
Speaker 8: to take this.
Speaker 1: Yeah, and so.
Speaker 4: That's I mean is but she's automatically going to be
Speaker 4: considered high risk right.
Speaker 8: Well, yeah, even two claims in five years is not easy.
Speaker 8: I mean it's not like it's unheard of, but it's
Speaker 8: not easy. It does disqualify her from a bunch of carriers.
Speaker 8: A lot of carriers are underwriting standards right now. There
Speaker 8: is one claim in five years. That's just what they
Speaker 8: look at and it's almost like a black box. It's like, hey,
Speaker 8: if it is outside of this, it declines. So you know,
Speaker 8: that's when you have to actually go to work and
Speaker 8: try to find have conversations with carriers and underwriters and
Speaker 8: try to try to explain the circumstance.
Speaker 1: Okay, I love having you on.
Speaker 4: That's come US Insurance Group, the Insurance Healthcenter dot com
Speaker 4: or three oh three nine nine Nicks nine nine six
Speaker 4: nine thousand, three oh three nine nine six nine thousand.
Speaker 4: That's for insurance checkups to make sure you know you
Speaker 4: don't get caught like this and you have a good
Speaker 4: company and you have good rates and you're not under
Speaker 4: insured or uh, you're not paying too much. Thank you, Brian,
Speaker 4: And now we uh turn our attention. Somebody wants to
Speaker 4: know about a water heater, Bob. They said that they
Speaker 4: were told one time if they wanted more hot water
Speaker 4: for a bigger home, they could do two water heaters.
Speaker 1: What's the story on two water heaters? Yeah, that's when
Speaker 1: do you use two water here?
Speaker 4: So do you zone them meaning you send only one
Speaker 4: heater to a one area of the house and one
Speaker 4: to another or how does it work?
Speaker 5: Now they're tied in conjunction with each other, So is
Speaker 5: it just double whammy basically yes. So you can either
Speaker 5: increase the size of it or get luck what you
Speaker 5: have with a recovery system or a tankless So there's
Speaker 5: a lot of different options. But yeah, tip, I mean
Speaker 5: typically we would go with a high recovery or a
Speaker 5: tankless system before we we married another water heater with
Speaker 5: with the existing one.
Speaker 1: But that is an option, so it's actually in series
Speaker 1: or is it.
Speaker 5: Yeah, they're in series. They're basically working back and forth
Speaker 5: with each other.
Speaker 4: So the water comes from one side only though right
Speaker 4: at any one point, yes, and then it fills up
Speaker 4: with the one from the other side. Doesn't make it
Speaker 4: twice as hot if you wanted to. I mean, how
Speaker 4: do you use them in conjunction with each other? It
Speaker 4: doesn't just provide more hot water. It just it's simply
Speaker 4: that's the water, but.
Speaker 1: The temperature wise and pressure wise, and it is all normal.
Speaker 5: That's all normal.
Speaker 1: All it does is give you more hot water.
Speaker 5: That's correct.
Speaker 1: Okay, So why would you ever need that? I can't
Speaker 1: even imagine that. So would you do to fifties? Two?
Speaker 1: One hundreds to forties? What do people do when they
Speaker 1: do double? It seems to me you just get one
Speaker 1: big one. Why would you get two other ones?
Speaker 5: Well, I mean there could be a number of reasons,
Speaker 5: but yeah, normally we would go with a higher like
Speaker 5: a seventy five gallon or a fifty five high recovery
Speaker 5: or a tankless system. Okay, very rarely do we put
Speaker 5: two water heaters together.
Speaker 1: Okay, Okay, tell the answer. Very rarely. Yes, I have
Speaker 1: a suggestion for the two water heaters.
Speaker 14: I have one in my small apartment house, and I
Speaker 14: really like having two water heaters.
Speaker 5: I have two forty gallons in series.
Speaker 14: And the reason I have that if one water heater
Speaker 14: goes out, that building still has some residual hot water
Speaker 14: for the rest.
Speaker 1: Of the tenants.
Speaker 5: That's a good point, bow and that is that is
Speaker 5: a good point why you would do it.
Speaker 4: But wait a minute, are you to say that you
Speaker 4: have two forties for an apartment house.
Speaker 14: Well, it's only uh, it's only six units.
Speaker 1: Actually one forty gallons for six units. In the morning,
Speaker 1: somebody's taking a cold shower. Whether eighty gallons that the
Speaker 1: total storage is eighty gallons.
Speaker 14: I've never had a problem.
Speaker 4: You don't think that's that is to me sounds paltry.
Speaker 4: But I don't want to insult your apartment house. No, no,
Speaker 4: really think about it. Six are there?
Speaker 1: Are there six couples in there with kids or just
Speaker 1: couples of the.
Speaker 14: Working class folks? I think people some people work at
Speaker 14: night in the morning, you know. But it's been a.
Speaker 1: Great thing looked out because I just can't believe you
Speaker 1: don't get complaints about people running out of hot water.
Speaker 14: I've never had a complaint, even if the one water
Speaker 14: heater went out and we didn't get to it for.
Speaker 1: It with forty gallons serving six units forty eighty total
Speaker 1: of eighty gallons.
Speaker 13: Tom.
Speaker 1: But yeah, point, I.
Speaker 4: Know you said even when one goes out, you said,
Speaker 4: even when one goes out on complant.
Speaker 14: I will get a complaint. But at least they have
Speaker 14: some hot water for the dishwasher, shower stuff.
Speaker 4: All right, Well, thanks Bo, that has and I have
Speaker 4: some questions for Bob later, Nachelle Love.
Speaker 1: Okay, let's do it after this.
Speaker 4: Knage Home Solutions has your home solutions, whether it be windows, siding, doors,
Speaker 4: and more.
Speaker 1: Knag has what you're looking for.
Speaker 4: They're a great company, been around sixty five years and
Speaker 4: it's a company truly that you can trust. I've known
Speaker 4: all of the owners and they do have heritage. Cage
Speaker 4: Windows dot com through three four to one seventy one
Speaker 4: hundred 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 check up free, no obligation. In comparison,
Speaker 4: call Compass insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: to seven to one.
Speaker 1: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Tom Martine here at three all three
Speaker 4: seven one three talk seven one three eight two five five.
Speaker 1: Dean, you have a comment on water heaters. Go ahead, Dean.
Speaker 4: What is it.
Speaker 1: Yet?
Speaker 11: Hi? Tom?
Speaker 19: The uh?
Speaker 1: Hello?
Speaker 11: Yeah you were. You were talking about how to pipe
Speaker 11: these things to get the most efficiency and the temperature
Speaker 11: that you're after, and there's a recovery. Is that correct?
Speaker 1: Yeah?
Speaker 11: Okay, if you if you pipe them in series, all right,
Speaker 11: So you got let's say, just say you got two
Speaker 11: of them, all right, two water heaters, two forty gallons
Speaker 11: Pipeman series. The first one does the brute force heating
Speaker 11: of the street water, bringing it up to temperature, and
Speaker 11: then it goes through the next one and it comes
Speaker 11: up with a finished temperature to try to regulate. So
Speaker 11: you've pretty much got a good outcome of a finished temperature,
Speaker 11: you see, because the second one is not heating from
Speaker 11: the street from the tap.
Speaker 1: Right, that's right.
Speaker 11: If you fight them in parallel, you're setting that load out,
Speaker 11: but you run out of water quicker and they both
Speaker 11: kind of drain down at the same time. And one
Speaker 11: of the problems if you pay them in series, that
Speaker 11: first one is doing all the work all the time,
Speaker 11: and it wears out pretty quick.
Speaker 4: Makes sense, I understand completely. Yeah, what you're saying makes sense.
Speaker 4: I don't ever see the I think it's folly to
Speaker 4: have two of them.
Speaker 1: The only time I'd have two water heaters is if
Speaker 1: I'm zoning them and making one for one part of
Speaker 1: the house and one for another, two complete different systems.
Speaker 1: I would never use them in parallel, nor would I
Speaker 1: use them in series ever.
Speaker 4: I would just get the biggest one I could get,
Speaker 4: or I would go with constant flow.
Speaker 1: But it makes no sense to me to just have
Speaker 1: two regular water heaters.
Speaker 11: Well, one of the things too, And you got to
Speaker 11: take this consideration, why don't you start upping the BTUs.
Speaker 11: You know, from like a forty to an eighty, you're
Speaker 11: getting up in the commercial step. You've got an exhaust.
Speaker 11: Deducting has to increased also, So you got that problem
Speaker 11: you're gonna have to think about.
Speaker 4: Right, Okay, And do you know many people do you
Speaker 4: know many people that do do water heaters together two
Speaker 4: water heaters.
Speaker 11: I've been I did the I've been in mechanical trade
Speaker 11: for quite a while, and I saw all kinds of
Speaker 11: configurations and apartments and hotels and out hospitals, all kinds
Speaker 11: of stuff.
Speaker 1: And you know one thing that I think, go ahead, well.
Speaker 11: Here here here was a guy. Have you ever heard
Speaker 11: of a guy named Pat bro Now, okay, all right,
Speaker 11: he's one of the Okay, he's one of the Denver's
Speaker 11: multi billionaires. He's real quiet, low profile guy.
Speaker 1: You never actually heard of him.
Speaker 11: Oh, anyway, he's got I got eighteen twenty thousand square
Speaker 11: foot house with all kinds of water eaters and fancy stuff.
Speaker 11: It's in the in the commercial category of mechanical stuff
Speaker 11: in his house. And so we had he had all
Speaker 11: kinds of stuff. So anyway, but you ask, have I
Speaker 11: seen it? Yes, in residential a few in the high
Speaker 11: end side.
Speaker 4: Yeah, okay, So what I what I think is is
Speaker 4: there's another common sense thing that people could do that
Speaker 4: doesn't cost a lot of money, and that is take
Speaker 4: a big holding tank and not two water heaters.
Speaker 1: But like, let's say, a good sized water heater is
Speaker 1: fifty gallons, right, Bob, fifty gallons a good size.
Speaker 5: That's a normal that's a normal size. You have forty fiftiest.
Speaker 4: So when you go into a house, they want a
Speaker 4: big one. Do you have one hundred gallon ones for
Speaker 4: a house?
Speaker 1: Well? Normal?
Speaker 5: I mean like like this color said, you're getting into
Speaker 5: the commercial grade water.
Speaker 1: Okay, so you don't. So that biggest one you get
Speaker 1: for a house is fifty.
Speaker 5: Yeah, we've done seventy five. And again like your's fifty
Speaker 5: five high recovery.
Speaker 1: Right, So let's say fifty five high recovery.
Speaker 4: Or any kind of fifty gallon tank you have, you
Speaker 4: can put in a holding tank that does nothing but
Speaker 4: holds water.
Speaker 1: That's all it does. But it's uninsulated.
Speaker 11: Here's the problem. It sits there unless you've got a
Speaker 11: research between running it back and forth. It just sits
Speaker 11: there and it doesn't get hot.
Speaker 1: Well I'm talking about though.
Speaker 11: You know what I'm saying.
Speaker 1: It's just all the holding tank.
Speaker 4: Is doing is bringing it from ground to almost a
Speaker 4: room temperature, and it's just sitting in a tank without
Speaker 4: any insulation.
Speaker 1: And then it's fed into the water heater, and your
Speaker 1: water heater works less and can produce more.
Speaker 5: Because it's at room temperature close to groundwater.
Speaker 1: Yeah, so it's it's heating up room temperature water as
Speaker 1: opposed to starting from scratch in the ground. Does that
Speaker 1: make sense to you, Dean, Well, how long is.
Speaker 11: It gonna sit there before you need it?
Speaker 1: Well, it sits there forever. You always have a constant
Speaker 1: fifty gallon tank. You know, it's always there.
Speaker 11: But you bring in the street water, you're gonna bring
Speaker 11: it up to room temperature. And maybe unless you're just
Speaker 11: using it in these apartments, God, the demands, it's.
Speaker 1: Like, no, no, I'm talking about for a normal house.
Speaker 7: You're right.
Speaker 4: I mean, you don't know how long it'll sit there.
Speaker 4: But most of the time people aren't you that much.
Speaker 4: You're gonna have a big water tank. All I'm saying
Speaker 4: is it's just a sitting. It's just sitting. It's just
Speaker 4: helping people to have a less burden on their system.
Speaker 4: And again it's not the end all, but it's a
Speaker 4: very common sense solution for some Tom, what question do
Speaker 4: you have on retirement?
Speaker 1: Go ahead, Tom?
Speaker 18: Hey, Tom, how are you hey? I'll be good man,
Speaker 18: I'll be sixty seven July twenty First, I have social
Speaker 18: Security two pensions, and I have entered the drop plan
Speaker 18: at work, which they make a match. I don't know
Speaker 18: enough about it because they just entered and I must retire.
Speaker 18: I must retire by twelve one of twenty seven. I
Speaker 18: will be okay, and I'm I'm doing that just to
Speaker 18: keep my daughter on health insurance.
Speaker 9: Okay, what you have your plan.
Speaker 18: You have retirement center at the Rockies, you have my
Speaker 18: money mind? What direction would you tell me to go?
Speaker 4: Well, it's hard to say in just this short amount
Speaker 4: of time, So hold on, let me take a break.
Speaker 4: I'll come right back to you though, and give you
Speaker 4: a little more time. Okay, hang on, I'm Tom Martino 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 help. You'll think you're
Speaker 4: his only customer when you choose Frank durand the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Hi Tom Martino here, I want to go right to
Speaker 1: uh Tom, So Tom, I need to ask your situation
Speaker 1: bro real quick. He's gone there, Tom. Okay, Tom? What
Speaker 1: is your income a year?
Speaker 18: About eighty?
Speaker 1: Okay? How much debt do you have?
Speaker 18: None?
Speaker 1: Okay, and that's wonderful. And how many what investible funds
Speaker 1: do you have now beyond an emergency fund in your
Speaker 1: checking account?
Speaker 18: I just have my there's money and a pen. Two
Speaker 18: pensions and I have one that is taken care of
Speaker 18: by one of the pension people. Okay, whatever is best
Speaker 18: for me?
Speaker 1: Okay.
Speaker 4: How much cumulatively are all of your pensions and investments?
Speaker 1: How much do they add up to?
Speaker 18: Five hundred thousand?
Speaker 1: Okay?
Speaker 4: Now, so your total estate is about five hundred. You
Speaker 4: have an emergency fund? And then what assets do you
Speaker 4: have on top of the liquid five.
Speaker 1: Hundred I have?
Speaker 18: I'm renting right now, so I have nerdy.
Speaker 1: Okay. So now what is your question? What do you
Speaker 1: do with this? What you do with it? You have
Speaker 1: a lot to work with.
Speaker 10: What I would?
Speaker 1: And how old do you fifty seven? Did you say
Speaker 1: sixty seven? All right?
Speaker 4: If I was sixty seven with the next egg of
Speaker 4: five hundred various accounts as long as I had an
Speaker 4: emergency account set aside that five hundred. I know.
Speaker 1: Let's put it this way.
Speaker 4: There are people that you're going to go to, and
Speaker 4: many of them are all going to say a fixed indextinuity,
Speaker 4: fixed indextinuity.
Speaker 1: That's because you have a lump sum.
Speaker 4: They want part of it, and they want a commission
Speaker 4: on it, and they want you to have guarantee and security.
Speaker 1: Nothing wrong with that, but there are ways to have.
Speaker 4: Guarantees and securities outside of the annuity market and not
Speaker 4: be limited on upside potential and then gradually convert what
Speaker 4: you need for income to a structured bond fund without
Speaker 4: taxes where you don't have to pay tax on the money,
Speaker 4: or you can go to an annuity at any time.
Speaker 4: Remember annuities, it can always be going to later. They
Speaker 4: never have to be done now or never, and because
Speaker 4: they don't grow a lot. So the idea of annuity
Speaker 4: is safety and income and you can always do that
Speaker 4: at the last minute and instantly annuitize it. So if
Speaker 4: I were you, Tom, and I don't mean this really
Speaker 4: as a joke, I mean this sincerely, you should sit
Speaker 4: down with us, and we can take a look at
Speaker 4: everything you're doing and come up with some successions. And
Speaker 4: I don't mean as a client. I don't mean you
Speaker 4: have to hire us. You never have to do anything.
Speaker 4: And we would do that for your complimentary just because
Speaker 4: they don't want you making mistakes.
Speaker 1: Who is investing your money? Write down these various pensions.
Speaker 18: One of the pensions, I invested the money myself twenty
Speaker 18: thirty forty years ago and have never change it, but
Speaker 18: it keeps on making money and my good.
Speaker 1: Well, we would look at that.
Speaker 4: We would look at that and compare that to other models,
Speaker 4: let's say, to see if you're missing out on anything,
Speaker 4: and we would take a look at each and every
Speaker 4: one of those and make suggestions and you can most
Speaker 4: likely do it on your own. If you'd like to
Speaker 4: do that, give me a call off the er or
Speaker 4: text me at three h three seven seven one help.
Speaker 1: We got more.
Speaker 4: Well, we're out of time. Plumbline Services dot com save
Speaker 4: all your problems for me.