WEBVTT 1 00:00:00.480 --> 00:00:03.879 Kf I am six forty. You're listening to Dean Sharp 2 00:00:03.960 --> 00:00:07.679 the house Whisper on demand on the iHeartRadio app. 3 00:00:09.800 --> 00:00:12.359 Hey follow us on social media. We only do the 4 00:00:12.359 --> 00:00:17.359 good stuff, uplifting, informative, inspiring social media. We're on all 5 00:00:17.359 --> 00:00:22.879 the usual suspects Instagram, TikTok, Facebook, X, you know whatever, tender, Grinder, 6 00:00:22.920 --> 00:00:25.879 I don't know. I don't know whatever it is out there. 7 00:00:26.280 --> 00:00:30.000 I'm sure we're there. Just find us home. No, we're 8 00:00:30.039 --> 00:00:34.719 not on grinder. Home with Dean is the handle for 9 00:00:34.799 --> 00:00:37.280 them all and again, if your home is in need 10 00:00:37.320 --> 00:00:40.119 of some personal house Whisper attention, you can book an 11 00:00:40.159 --> 00:00:43.039 in home design console with me and the tea. You 12 00:00:43.200 --> 00:00:47.240 just go to house Whisper dot Design. All right, We've 13 00:00:47.280 --> 00:00:50.840 got a cooker of a show going today because I've 14 00:00:50.880 --> 00:00:54.240 got two very very important guests in studio with me, 15 00:00:54.560 --> 00:00:58.399 the founding partners of Damage Law, Aria Shack and A 16 00:00:58.520 --> 00:00:58.920 Dear B. 17 00:00:59.520 --> 00:01:00.000 They are here. 18 00:01:00.159 --> 00:01:04.840 We're having a conversation about insurance claims on property damage 19 00:01:04.879 --> 00:01:07.200 on your home, what to do, how to do it, 20 00:01:07.280 --> 00:01:10.079 what to expect, sayings that a lot of you have 21 00:01:10.519 --> 00:01:14.439 just never heard or been told before. So don't go 22 00:01:14.560 --> 00:01:18.840 anywhere because we are going to dive back into that conversation. 23 00:01:18.920 --> 00:01:19.799 Very very shortly. 24 00:01:19.840 --> 00:01:23.040 But right now, you know what, it is the top 25 00:01:23.079 --> 00:01:26.040 of the hour, which means, as promised, it's time to 26 00:01:26.120 --> 00:01:29.719 go to the phones. Let's see here. I want to 27 00:01:29.760 --> 00:01:34.719 talk to Sammy. Hey Sammy, welcome. 28 00:01:34.359 --> 00:01:36.959 Home, Hey Jan how are you? 29 00:01:37.079 --> 00:01:42.719 Good morning, Good morning, sir. How can we help great I've. 30 00:01:42.599 --> 00:01:46.680 Seen their billboards and advertising all over on the West side. 31 00:01:46.840 --> 00:01:48.319 I just want to say thank you for what you 32 00:01:48.359 --> 00:01:51.319 guys been doing. I have a couple of clients who 33 00:01:51.359 --> 00:01:53.719 have been affected by the fires and they said they've 34 00:01:53.760 --> 00:01:56.239 reached out to them and you guys help them place 35 00:01:56.280 --> 00:01:59.719 them in temporary homes. Guys are doing amazing things. 36 00:02:00.319 --> 00:02:00.680 Thank you. 37 00:02:01.000 --> 00:02:01.719 Question thank you. 38 00:02:02.319 --> 00:02:06.159 As as a landlord, are you guys working with landlord 39 00:02:06.280 --> 00:02:09.680 to see if there's any more space available where you 40 00:02:09.759 --> 00:02:12.240 could place upcoming clients. 41 00:02:13.360 --> 00:02:15.240 You know, at the end of the day, whenever these 42 00:02:15.960 --> 00:02:19.400 clients have been affected, we're helping them get into homes 43 00:02:19.520 --> 00:02:22.599 that are comfortable for the time during the time of rebuild, 44 00:02:22.599 --> 00:02:25.680 because this could take a couple of months, maybe eight months, 45 00:02:25.759 --> 00:02:29.080 So it's not right where the insurance companies are putting 46 00:02:29.120 --> 00:02:31.639 them into hotels when there's a family of four, We're 47 00:02:31.639 --> 00:02:35.080 getting them into comfortable housing, something comparable to what they 48 00:02:35.080 --> 00:02:37.599 had before. So if you had a four bedroom house 49 00:02:37.680 --> 00:02:40.120 with three bats, we're going to help them find that 50 00:02:40.199 --> 00:02:43.240 four bedroom house, three bats and the same square footage 51 00:02:43.479 --> 00:02:46.479 so everyone could be comfortable during this time of repair. 52 00:02:46.599 --> 00:02:48.800 Now when you say two to eight months, we're not 53 00:02:48.840 --> 00:02:53.039 talking about the fire stuff necessarily out here. 54 00:02:53.120 --> 00:02:53.919 Just relocation. 55 00:02:54.280 --> 00:02:55.879 Just the relocating, just that. 56 00:02:56.159 --> 00:02:59.599 Yeah, the living expenses of what's associated with living in 57 00:02:59.599 --> 00:03:03.159 an air or VRBO or a property that you found 58 00:03:03.159 --> 00:03:05.680 that you want to short term lease for. We're making 59 00:03:05.719 --> 00:03:08.479 sure the insurance companies are paying for these costs because 60 00:03:08.479 --> 00:03:11.400 it's not fair for you as ensured to pay out 61 00:03:11.439 --> 00:03:12.599 of pocket for these. 62 00:03:13.879 --> 00:03:17.319 Yeah, it's I mean, I have personally no client who 63 00:03:17.479 --> 00:03:21.639 was a mother and a husband with four kids who 64 00:03:21.639 --> 00:03:24.639 are living in a little small hotel room, and she 65 00:03:24.680 --> 00:03:26.360 told me you guys were able to place them in 66 00:03:26.400 --> 00:03:31.319 a house and insurance is actually covering the cost on that. 67 00:03:31.680 --> 00:03:35.520 I was wondering how others can get started with that. 68 00:03:36.520 --> 00:03:38.919 You know, it's as simple as reaching out to us 69 00:03:38.960 --> 00:03:41.960 and making sure that the insurance companies pay for what 70 00:03:42.000 --> 00:03:46.560 you're entitled to. We had that family. They were displaced 71 00:03:46.599 --> 00:03:48.599 for a week and I mean a month in the 72 00:03:48.639 --> 00:03:51.680 shelters and when they contacted us, we called the insurance 73 00:03:51.680 --> 00:03:54.400 company the same day. We told them open your eyes 74 00:03:54.439 --> 00:03:58.120 and your ears. This water is contaminated. They cannot live 75 00:03:58.199 --> 00:04:01.479 at this property. You need to pay for relocation. And 76 00:04:01.520 --> 00:04:04.400 then they ended up approving four months for them. So 77 00:04:04.759 --> 00:04:08.120 and Sammy, just heads up, every policy is different. Every 78 00:04:08.120 --> 00:04:10.800 policy has different provisions as to what the insureds are 79 00:04:10.919 --> 00:04:13.319 entitled to and where they can go or if they 80 00:04:13.319 --> 00:04:15.080 can go, and what the limits are on that. So 81 00:04:15.240 --> 00:04:18.079 just keep that in mind as well, all. 82 00:04:18.040 --> 00:04:21.240 Right, sam got it, got it? 83 00:04:21.319 --> 00:04:21.759 Okay? 84 00:04:22.040 --> 00:04:24.399 All right, Sammy, Hey Bud, thanks for your call. 85 00:04:24.480 --> 00:04:27.120 Appreciate all you're doing out there, and thanks for the 86 00:04:27.160 --> 00:04:29.680 good words and really really good question. 87 00:04:29.879 --> 00:04:32.399 Appreciate it. Man, have a great day. 88 00:04:32.720 --> 00:04:36.079 Thank you, thank you, thank you, thank you. 89 00:04:36.439 --> 00:04:41.040 All right, more of your calls coming up right after. 90 00:04:42.079 --> 00:04:45.360 You're listening to Home with Dean Sharp on demand from 91 00:04:45.480 --> 00:04:47.279 kf I A M six forty. 92 00:04:48.800 --> 00:04:52.160 The Froggy House Whisper at your service, my voice, just 93 00:04:52.279 --> 00:04:54.879 in and out today, in and out, just a little 94 00:04:54.959 --> 00:04:58.839 rough up on the mountain yesterday having some fun and 95 00:04:59.079 --> 00:05:02.959 uh ended up this morning. With a little rasp in 96 00:05:03.000 --> 00:05:06.560 my voice, I apologize for that. We're having a very 97 00:05:06.639 --> 00:05:09.920 very important program today talking to the founding partners of 98 00:05:10.000 --> 00:05:14.319 Damage Law about insurance claims and everything that goes into them. 99 00:05:15.079 --> 00:05:17.600 Very very significant information today, So. 100 00:05:17.560 --> 00:05:18.279 You hang tight. 101 00:05:18.480 --> 00:05:21.480 But right now I'm taking calls and I want to 102 00:05:21.519 --> 00:05:25.600 go back to the board. Here, let's talk to and 103 00:05:26.439 --> 00:05:28.759 Hey and welcome. 104 00:05:28.360 --> 00:05:33.560 Home, Hijane, Thank you for taking my call. I have 105 00:05:33.639 --> 00:05:36.879 a flat roof that is leaking and I need to 106 00:05:36.959 --> 00:05:40.680 replace it. I've contacted different companies and they've suggested to 107 00:05:40.720 --> 00:05:43.720 do like an old fashioned hot mop or a peel 108 00:05:43.759 --> 00:05:46.839 and stick with like a couple layers or tar paper 109 00:05:46.920 --> 00:05:50.480 with a double torch. And they're all offering twenty years 110 00:05:51.040 --> 00:05:54.439 like warranty for manufacturers. But I wanted to ask you 111 00:05:54.480 --> 00:05:57.160 which one you think it's the best or if you 112 00:05:57.199 --> 00:05:59.800 know a better method, and then the manufacturer and the 113 00:06:00.000 --> 00:06:02.759 aim of the materials that I could use that would 114 00:06:03.319 --> 00:06:05.160 last longer than twenty years if possible. 115 00:06:07.480 --> 00:06:11.000 Okay, so you've taken how many how many quotes have 116 00:06:11.040 --> 00:06:11.680 you got so far? 117 00:06:12.959 --> 00:06:13.160 Oh? 118 00:06:13.240 --> 00:06:15.439 I've contented like ten different companies. 119 00:06:15.680 --> 00:06:17.839 Oh, so you've got a whole slew of quotes. 120 00:06:19.360 --> 00:06:22.000 Yes, but they're all saying different things, and then they're 121 00:06:22.040 --> 00:06:24.720 contradicting each other. Some say the other method's better, and 122 00:06:24.759 --> 00:06:27.720 then when I ask them this method better, they say no, no, 123 00:06:27.759 --> 00:06:30.279 it's it's not. And so I don't know which is 124 00:06:30.319 --> 00:06:33.399 the best way to go that would last the long astay. 125 00:06:34.439 --> 00:06:39.920 All right, well, okay, so here's the stitch I'm going 126 00:06:39.959 --> 00:06:40.399 to give you. 127 00:06:40.519 --> 00:06:42.240 I'm going to point you in the right direction, because 128 00:06:42.279 --> 00:06:44.240 that's what I can do today is point you in 129 00:06:44.319 --> 00:06:46.560 what I think is the right direction, and I can. 130 00:06:47.199 --> 00:06:49.040 All I'm going to tell you is how I handle 131 00:06:49.079 --> 00:06:51.199 a flat roof When we need a flat roof, and 132 00:06:51.560 --> 00:06:54.319 we need a lot of flat roofs these days because 133 00:06:54.360 --> 00:06:58.639 we're doing more and more custom and contemporary design. I 134 00:06:58.720 --> 00:07:01.680 do a lot of work on on mid century modern 135 00:07:01.720 --> 00:07:05.639 houses that have relatively flat roofs. And so here is 136 00:07:05.680 --> 00:07:08.920 the thing, and this, by the way, applies to everybody's roof. 137 00:07:08.959 --> 00:07:12.040 What I'm about to say, okay, not just the flat ones. 138 00:07:13.839 --> 00:07:21.000 On a flat roof, the underlayment protection is the essentially 139 00:07:21.040 --> 00:07:24.199 the whole roof, as it is that those layers of 140 00:07:25.279 --> 00:07:28.600 waterproofing are the whole roof on a pitched roof that 141 00:07:28.680 --> 00:07:32.079 has shingles or tiles on it, The same material that 142 00:07:32.120 --> 00:07:35.839 I'm talking about here can be applied as an underlayment 143 00:07:35.959 --> 00:07:40.120 underneath the shingles and the tiles. Okay, my preference, and 144 00:07:40.160 --> 00:07:44.839 this is my preference as an estate builder. In other words, 145 00:07:44.920 --> 00:07:47.800 the stuff that we do on the high end. And 146 00:07:47.879 --> 00:07:51.519 I don't mean high end as in, oh, this is 147 00:07:51.600 --> 00:07:54.800 the platinum version that is going to cost you ten 148 00:07:54.879 --> 00:07:57.160 times as much, not at all. I'm just saying this 149 00:07:57.240 --> 00:08:00.680 is the way it's done correctly, okay. And there are 150 00:08:00.680 --> 00:08:03.399 a bunch of materials out there, okay, so please forgive 151 00:08:03.439 --> 00:08:06.600 me for not specifying one, like I don't point you 152 00:08:06.680 --> 00:08:10.439 to an RW grace material versus this or that. 153 00:08:10.639 --> 00:08:10.879 You know. 154 00:08:11.680 --> 00:08:16.560 Here is the thing I believe on any roofing system 155 00:08:17.439 --> 00:08:24.439 that what you want is a flexible, stretchable, multi mill 156 00:08:24.680 --> 00:08:26.959 thick roofing layer. 157 00:08:27.120 --> 00:08:27.480 Okay. 158 00:08:27.759 --> 00:08:30.639 Now, that can be achieved, and different roofers are going 159 00:08:30.720 --> 00:08:33.480 to have different opinions about how it can be achieved. 160 00:08:33.840 --> 00:08:35.000 It can be a. 161 00:08:35.159 --> 00:08:38.720 Bitamous material which is kind of like a rubberized material 162 00:08:38.840 --> 00:08:42.759 that then overlaps a good four to six inches on 163 00:08:42.840 --> 00:08:45.200 the seams as you roll out the material and then 164 00:08:45.200 --> 00:08:48.399 those are torched, that seam is torched and it literally 165 00:08:48.440 --> 00:08:52.000 melts one into the other and becomes one solid membrane. 166 00:08:52.679 --> 00:08:56.120 Or these can be lighter weight roll materials that are 167 00:08:56.200 --> 00:08:59.159 kind of rubberized on the backside and self ceiling so 168 00:08:59.200 --> 00:09:03.480 that if anything, even the nails that attach them, they 169 00:09:03.519 --> 00:09:07.639 seal around those nails. Or they can be rolled on 170 00:09:07.919 --> 00:09:13.639 poor in place PVC vinyl layered roofs. But the key 171 00:09:13.759 --> 00:09:17.919 here is that it's thick, that it's thick enough, and 172 00:09:18.559 --> 00:09:21.320 that it's flexible. And so when I say that I'm 173 00:09:21.440 --> 00:09:24.600 ruling out one of the roof styles that you were 174 00:09:25.320 --> 00:09:27.759 that you mentioned that you were described to, and that 175 00:09:27.960 --> 00:09:33.600 is anything involving just built up layers of roofing paper, 176 00:09:33.679 --> 00:09:38.399 of asphalt embedded roofing paper. That is old school. It 177 00:09:38.519 --> 00:09:43.519 is old old school and roofing paper build up and 178 00:09:43.679 --> 00:09:47.519 hot mopping, even though you know, you got some old 179 00:09:47.519 --> 00:09:49.639 guys out there who are like, I've been doing this 180 00:09:49.679 --> 00:09:53.039 for fifty years and I've never had it's all great. 181 00:09:53.159 --> 00:09:53.519 Okay. 182 00:09:54.159 --> 00:09:58.519 Hot mopping is tar being applied to built up layers 183 00:09:58.759 --> 00:10:01.519 of asphalt embedded roofing paper. 184 00:10:02.039 --> 00:10:04.000 The problem with it. 185 00:10:03.519 --> 00:10:06.000 Is not that it makes that it doesn't make a 186 00:10:06.039 --> 00:10:10.639 great seal, now, no problem whatsoever. The problem with it 187 00:10:10.679 --> 00:10:16.159 is asphalt embedded roofing paper systems. They are not flexible. 188 00:10:16.799 --> 00:10:21.840 Age causes them to become brittle. If the roof shifts, 189 00:10:22.240 --> 00:10:25.399 if the house shifts, if an earthquake, rat you know, 190 00:10:25.519 --> 00:10:29.279 just kind of shakes things a little bit. The constant 191 00:10:29.440 --> 00:10:33.679 oppression of UV, sunlight and heat up on top of 192 00:10:33.720 --> 00:10:38.440 the roof, all of that makes asphalt and the hot 193 00:10:38.519 --> 00:10:43.879 mop materials become brittle. Brittle is the enemy of a 194 00:10:43.960 --> 00:10:48.159 flat roof, okay, because as soon as something becomes brittle, 195 00:10:48.840 --> 00:10:52.159 it cracks, and when it cracks, it leaks. 196 00:10:52.519 --> 00:10:52.919 Okay. 197 00:10:53.639 --> 00:10:57.879 So whatever the material is that you are hearing from 198 00:10:58.039 --> 00:11:02.039 these various roofers, what I want from you is to 199 00:11:02.320 --> 00:11:09.919 prioritize the ones that are handing you flexible kind of rubberized, 200 00:11:10.399 --> 00:11:15.559 stretchable material of significant thickness. And then on top of that, 201 00:11:15.720 --> 00:11:17.440 the last thing that I'm going to share with you 202 00:11:17.720 --> 00:11:21.679 is very, very simply the coating that is going to 203 00:11:21.720 --> 00:11:24.679 go on top of the flat roof. Now, your flat roof, 204 00:11:25.200 --> 00:11:28.320 totally flat roof. We don't see it, or do we 205 00:11:28.360 --> 00:11:28.679 see it? 206 00:11:28.799 --> 00:11:33.320 Not completely flat. It's slightly slightly pitched. 207 00:11:33.080 --> 00:11:35.399 Okay, but slightly pitched. But do I see it? Do 208 00:11:35.480 --> 00:11:37.720 I see it from the street? 209 00:11:39.639 --> 00:11:39.759 Right? 210 00:11:40.600 --> 00:11:44.480 So the coating then on top of that, okay, is 211 00:11:45.320 --> 00:11:48.320 is really critical because there's the roofing material itself, and 212 00:11:48.360 --> 00:11:50.200 then there's what we're going to coat the top with, 213 00:11:50.320 --> 00:11:54.000 which is going to be a thick roll on or 214 00:11:54.039 --> 00:12:02.080 spray on layer of bright white alumaflex coating. And that 215 00:12:02.240 --> 00:12:05.840 is basically so I mean, I'm not talking about just 216 00:12:05.879 --> 00:12:09.799 white paint. I'm talking about a coating that has metal 217 00:12:09.840 --> 00:12:14.360 flex built into it that is so light reflective that 218 00:12:14.440 --> 00:12:18.919 it minimizes heat transfer, that it minimizes UV damage. Because 219 00:12:19.000 --> 00:12:21.720 the sun, the sun is the enemy of every roof, 220 00:12:21.799 --> 00:12:25.120 not water. Water doesn't care about roofs. Roofs don't care 221 00:12:25.159 --> 00:12:25.720 about water. 222 00:12:25.840 --> 00:12:26.159 Okay. 223 00:12:26.480 --> 00:12:28.960 Water is the negative effect, you know in the end, 224 00:12:29.039 --> 00:12:31.960 if something goes wrong with the roof, but no amount 225 00:12:32.039 --> 00:12:36.120 of water wears out a roof, the sun UV light 226 00:12:36.440 --> 00:12:40.039 wears out a roof. And so after that roofing, that 227 00:12:40.120 --> 00:12:43.200 flexible roofing system is in place, I want you to 228 00:12:43.519 --> 00:12:48.759 have it coated with a highly reflective coating material. It 229 00:12:48.799 --> 00:12:52.320 won't matter because nobody sees it. So I mean, and 230 00:12:52.360 --> 00:12:54.639 when I say, highly reflective. I mean you literally can't 231 00:12:54.679 --> 00:12:56.919 go up there on a sunny day without your sunglasses 232 00:12:56.919 --> 00:13:00.000 on because it will blind you. That kind of high 233 00:13:00.200 --> 00:13:03.720 reflective material. This is common stuff. This is not anything 234 00:13:04.120 --> 00:13:06.679 bizarre or off the cuff. But these are the kinds 235 00:13:06.679 --> 00:13:09.200 of things that a lot of roofing companies are like, yeah, whatever, 236 00:13:09.320 --> 00:13:11.480 you know, not a big deal for us, it's a 237 00:13:11.480 --> 00:13:14.000 big deal for you. And so that's how I want 238 00:13:14.039 --> 00:13:16.960 you to prioritize those bids. And if you don't have 239 00:13:17.120 --> 00:13:22.279 enough estimates that meet those qualifications, then you know, take 240 00:13:22.360 --> 00:13:24.720 some more, take your time and get some more estimates 241 00:13:24.799 --> 00:13:28.639 until you've got a handful, like a top three roofers 242 00:13:28.639 --> 00:13:32.279 here who are essentially offering you the same kind of equality. 243 00:13:32.600 --> 00:13:36.120 And yeah, there are roofs out there that you can 244 00:13:36.639 --> 00:13:40.200 stretch longer than a twenty year warranty if you do 245 00:13:40.279 --> 00:13:41.440 it this right way. 246 00:13:43.200 --> 00:13:47.000 Can I ask your Jean, is that what they call 247 00:13:47.039 --> 00:13:52.000 a cool roof for the role on LA Yes? 248 00:13:52.080 --> 00:13:55.159 Yeah, sometimes it's called the cool roof. Yeah, yes, exactly. 249 00:13:55.279 --> 00:13:57.480 Cool roofs are not I mean it also applies to 250 00:13:57.559 --> 00:14:01.679 other roofing materials, even like darkrofing materials that go on 251 00:14:01.799 --> 00:14:05.600 as shingles can be cool roofs because they have a 252 00:14:05.679 --> 00:14:09.080 certain reflective material built into them that reduces the amount 253 00:14:09.080 --> 00:14:12.879 of UV penetration. But yeah, it's a cool roof and 254 00:14:13.000 --> 00:14:16.960 yes it is a critical critical component of your flat 255 00:14:17.039 --> 00:14:19.840 roofing bid because that's the thing that's going to protect 256 00:14:19.840 --> 00:14:23.039 the roofing material from aging prematurely. 257 00:14:23.480 --> 00:14:25.039 Okay, Anne, does that help? 258 00:14:26.200 --> 00:14:27.399 Can I ask you one more thing? 259 00:14:27.919 --> 00:14:28.519 Is that rubber? 260 00:14:28.840 --> 00:14:31.600 How thick should the reberized material be the first player 261 00:14:31.600 --> 00:14:32.320 and underlayment? 262 00:14:33.639 --> 00:14:36.720 Well, there are different thicknesses depending on the nature of 263 00:14:36.840 --> 00:14:41.120 the material, but it's got to be several mills thick. 264 00:14:41.200 --> 00:14:45.679 And again I'm not a professional roofer, that's not my specialty. Uh, 265 00:14:45.960 --> 00:14:49.200 but you want to be looking for you ask the 266 00:14:49.279 --> 00:14:53.240 question what product are you using and what manufacturer warranty 267 00:14:53.320 --> 00:14:57.519 comes with the use of that product from its own manufacturer. 268 00:14:57.600 --> 00:15:00.559 So if you end up with something mainline like like 269 00:15:00.919 --> 00:15:04.480 WR Grace or Owen's Corning, you're going to find a 270 00:15:04.639 --> 00:15:06.840 quality roofing membrane material there. 271 00:15:08.320 --> 00:15:10.320 Okay, Okay, thank you so. 272 00:15:10.279 --> 00:15:13.480 Much, Thanks and thanks for the call as always, really 273 00:15:13.519 --> 00:15:17.240 really good question. All right, y'all, we got more coming. 274 00:15:18.360 --> 00:15:21.679 You're listening to Home with Dean Sharp on demand from 275 00:15:21.759 --> 00:15:23.279 KFI AM six forty. 276 00:15:25.159 --> 00:15:27.519 We know you have a choice when you fly, and 277 00:15:27.559 --> 00:15:32.080 we appreciate you flying house Whisper Airlines with us. This 278 00:15:32.159 --> 00:15:34.440 is the point in the show when I would turn 279 00:15:34.480 --> 00:15:38.000 away from calls typically for a bit, take a little break, 280 00:15:38.120 --> 00:15:42.039 get back into my conversation with my in studio guests. 281 00:15:42.080 --> 00:15:44.720 But I've got a couple of calls on the board 282 00:15:45.159 --> 00:15:48.639 that specifically are questions for you, guys. And by the way, 283 00:15:48.639 --> 00:15:51.559 if you're just joining us, we are talking about insurance 284 00:15:51.600 --> 00:15:55.759 claims and for property damage after something has gone wrong. 285 00:15:56.159 --> 00:15:59.080 And I have in studio a very very special guest, 286 00:15:59.080 --> 00:16:02.919 the founding partners of Damage Law right here in Los Angeles, 287 00:16:03.120 --> 00:16:05.399 Aria Shack and the dearb and these guys are just 288 00:16:05.559 --> 00:16:09.519 they are fantastic. They are here to help. And I 289 00:16:09.639 --> 00:16:12.080 mean that with in every sense of the word. So 290 00:16:13.080 --> 00:16:16.039 before we get back into our kind of free, willing conversation, guys, 291 00:16:16.080 --> 00:16:18.320 le's see if we can answer a couple of these questions. 292 00:16:19.159 --> 00:16:23.679 Let's talk to Sean. Hey, Sean, welcome home. 293 00:16:23.519 --> 00:16:25.320 Bud Hi. 294 00:16:25.919 --> 00:16:28.600 Well, a lot of us have been let down by 295 00:16:28.879 --> 00:16:33.159 utilities for lack of maintenance, and that's really my situation. 296 00:16:34.159 --> 00:16:39.120 I had utility contractor working at my house and they 297 00:16:39.360 --> 00:16:43.440 accidentally cut what turned out to be a shallow water 298 00:16:43.600 --> 00:16:50.759 line and they immediately went to turn off the water valve, 299 00:16:51.000 --> 00:16:55.240 but it didn't work, and that ludding did a lot 300 00:16:55.279 --> 00:16:58.440 of damage to the house, including, by the way, to 301 00:16:59.759 --> 00:17:04.319 our filtered water system from your advertiser, which we love, 302 00:17:04.440 --> 00:17:09.359 by the way, But my question is, I really don't 303 00:17:09.440 --> 00:17:14.759 want to approach my insurance company on this. But if 304 00:17:14.799 --> 00:17:20.279 I try to take the utility to court, you know, 305 00:17:20.319 --> 00:17:23.400 it's probably a small claims action ten thousand, a little 306 00:17:23.440 --> 00:17:26.079 bit under ten thousand. I mean, what is that is 307 00:17:26.119 --> 00:17:30.559 that feasible against kind of the goliath utility or what 308 00:17:30.599 --> 00:17:31.759 should be in my approach on that? 309 00:17:31.839 --> 00:17:33.799 Okay, let me let me just jump in. I just 310 00:17:33.839 --> 00:17:36.799 want clarification on this story. Before these there, I can 311 00:17:36.799 --> 00:17:39.359 see them leaning forward in their chairs. They're ready to 312 00:17:40.079 --> 00:17:42.680 let you know what they want to tell you. But 313 00:17:43.279 --> 00:17:47.160 so this was like, so a big utility company doing 314 00:17:47.240 --> 00:17:49.880 some work in your yard, I mean doing their stuff 315 00:17:49.920 --> 00:17:51.000 in your yard. 316 00:17:52.319 --> 00:17:57.640 It was it was foundational work. And they're cutting into 317 00:17:58.640 --> 00:18:02.599 various places along the front of the house in order 318 00:18:02.640 --> 00:18:06.519 to put deeper footings, and one of these places happened 319 00:18:06.519 --> 00:18:11.480 to be where a shallow PVC water line the mainline 320 00:18:11.519 --> 00:18:15.279 really and it cut and they they immediately noticed water 321 00:18:15.440 --> 00:18:18.200 flooding event began going into the house and you know, 322 00:18:18.240 --> 00:18:20.079 they have utility keys, they know how to do this, 323 00:18:20.599 --> 00:18:27.720 but the valve from the water company was frozen. We 324 00:18:27.759 --> 00:18:32.680 couldn't turn it off. Oh, it brought in a lot 325 00:18:32.720 --> 00:18:37.599 of the excess sand into the filtration system, which is 326 00:18:37.640 --> 00:18:39.759 you know, it's not designed to handle that kind of thing, 327 00:18:40.160 --> 00:18:40.920 and then water. 328 00:18:41.759 --> 00:18:42.759 That's what happened. 329 00:18:42.759 --> 00:18:46.200 All right, guys, what do you think when it comes 330 00:18:46.279 --> 00:18:48.599 down to this, You definitely don't want to go through 331 00:18:48.599 --> 00:18:51.119 your own insurance because then you run the risk of 332 00:18:51.240 --> 00:18:55.519 either being canceled or non renewed or even your premium 333 00:18:55.599 --> 00:18:57.680 is being increased. So you definitely want to go out 334 00:18:57.920 --> 00:19:02.359 after the at fault party. And because it's the city 335 00:19:02.440 --> 00:19:05.160 or a county, you have like limitations on when. 336 00:19:05.039 --> 00:19:06.519 You have to utility. 337 00:19:06.240 --> 00:19:08.279 It's a it's a it's a public utility. 338 00:19:08.480 --> 00:19:13.000 Public Yeah, yeah, I would definitely go and hold them accountable, 339 00:19:13.279 --> 00:19:15.799 you know, make a report to their company, get their 340 00:19:15.799 --> 00:19:17.759 insurance information, and file claim. 341 00:19:17.559 --> 00:19:19.880 Because they denied me. 342 00:19:20.839 --> 00:19:23.759 Okay, so what was the reason for denial. 343 00:19:26.039 --> 00:19:29.160 Just because they give me about. 344 00:19:29.599 --> 00:19:34.759 Yeah, they needed to support their denial with with exactly 345 00:19:34.839 --> 00:19:36.880 why they're denying you for So, if they're telling you 346 00:19:36.920 --> 00:19:39.160 that I don't believe that were the cause, and you 347 00:19:39.400 --> 00:19:41.200 find you need to find an expert that can show 348 00:19:41.279 --> 00:19:43.839 that this was caused by their work. And once you 349 00:19:43.960 --> 00:19:46.599 have that report, then you have enough ammunition to move 350 00:19:46.640 --> 00:19:48.799 forward to establishal liability against them. 351 00:19:49.880 --> 00:19:55.920 How long ago did this happen? A little over a year, okay? 352 00:19:56.000 --> 00:19:58.119 And what part of your home was damaged? Was it 353 00:19:58.160 --> 00:19:59.240 the kitchen area. 354 00:20:00.559 --> 00:20:03.039 That's a part of the garage, and then that filtration 355 00:20:03.160 --> 00:20:05.680 system that's completely okay. 356 00:20:06.200 --> 00:20:09.480 It's really important that you also mitigate because part of 357 00:20:09.519 --> 00:20:12.839 the insurance policies, even on both sides, you have a 358 00:20:12.920 --> 00:20:17.039 duty to prevent further damage. So if necessary, which I'm 359 00:20:17.079 --> 00:20:19.480 sure it is, I would get a restoration company out 360 00:20:19.480 --> 00:20:21.680 there to do a proper dry out so that it 361 00:20:21.720 --> 00:20:23.599 doesn't produce any mold within your home. 362 00:20:25.160 --> 00:20:29.359 So both contractors attested that they took immediate action. 363 00:20:30.039 --> 00:20:33.400 So it sounds to me like this is something This 364 00:20:33.480 --> 00:20:35.559 is a conversation you guys probably need to have a 365 00:20:35.680 --> 00:20:39.440 little little longer length with Sean because it sounds like 366 00:20:39.440 --> 00:20:43.599 there's some some tricky things in there. Hey, Sean, I'm 367 00:20:43.599 --> 00:20:47.119 going to be giving you giving out the contact information 368 00:20:47.240 --> 00:20:52.039 for these guys. And am I overstepping to say you 369 00:20:52.359 --> 00:20:54.319 should get a hold of you and figure it out. 370 00:20:54.400 --> 00:20:56.960 Yeah, reach out and we'll guide you through it and 371 00:20:57.039 --> 00:20:57.599 talk it out. 372 00:20:57.759 --> 00:21:00.640 All right, Bud, I've got to I really appreciate I 373 00:21:00.720 --> 00:21:01.920 got to run. Sean. 374 00:21:01.960 --> 00:21:05.720 Thanks for the call, man, Thanks very very much, appreciate it. 375 00:21:05.759 --> 00:21:13.119 And I think the other question was where, oh contact 376 00:21:13.119 --> 00:21:15.519 you know what, let's just do it. Contact information for 377 00:21:15.559 --> 00:21:17.319 you guys, for everybody who's listening right now. 378 00:21:17.480 --> 00:21:18.799 Of course, where do they find you? 379 00:21:19.000 --> 00:21:21.400 Damage law dot com or they can find us on 380 00:21:21.480 --> 00:21:25.839 Instagram on damage underscore law or outer number eight sixty 381 00:21:25.880 --> 00:21:27.160 six damage Law. 382 00:21:27.359 --> 00:21:31.720 Okay, eight sixty six Damage Law or damage law dot com. 383 00:21:31.839 --> 00:21:34.400 Very very simple, very very simple to get a hold 384 00:21:34.440 --> 00:21:36.039 of you guys. All right, we're going to dive back 385 00:21:36.039 --> 00:21:38.559 into this conversation. When we come back, I want to 386 00:21:38.559 --> 00:21:40.759 talk to you guys. Let's identify all the players on 387 00:21:40.799 --> 00:21:43.799 the field, like who, what are the names? 388 00:21:43.880 --> 00:21:44.319 You know? What? 389 00:21:44.319 --> 00:21:46.079 What are the roles of these people? What is a 390 00:21:46.160 --> 00:21:52.000 public insurance adjuster? The adjuster from my insurance company contractors 391 00:21:52.039 --> 00:21:54.880 that are on the approved list of the insur I mean, 392 00:21:55.000 --> 00:21:57.559 who are all these players and what are they all about? 393 00:21:57.680 --> 00:22:00.559 Because it's a it's a mix of stuff, all right. 394 00:22:01.359 --> 00:22:04.640 You're listening to Home with Dean Sharp on demand from 395 00:22:04.759 --> 00:22:05.960 KFI AM six. 396 00:22:06.000 --> 00:22:12.880 Forty, Heyfi Dean Sharp, the house whisper, Welcome home, Thanks 397 00:22:12.920 --> 00:22:15.240 for joining us on the program today. It is always 398 00:22:15.400 --> 00:22:20.880 a privilege, it truly is to spend time with you, 399 00:22:21.079 --> 00:22:23.759 especially on your weekend. I know how important you. I 400 00:22:23.839 --> 00:22:27.240 know what weekends are, even though I work on them. 401 00:22:27.279 --> 00:22:30.400