WEBVTT 1 00:00:05.639 --> 00:00:13.880 Ripped news, need advice? Who you don't have? Come run 2 00:00:13.919 --> 00:00:18.280 anxious as fast as we can. Shooter's gonna help me. 3 00:00:18.480 --> 00:00:25.519 Come, man, this is the Troubleshooter Show. No Tom Martinez, Welcome, 4 00:00:25.679 --> 00:00:27.920 Welcome to the only show of it's kind. We're here 5 00:00:27.960 --> 00:00:31.600 to solve problems, answer questions, take your complaints. My goal 6 00:00:32.000 --> 00:00:34.399 and our goal is to make your life a little 7 00:00:34.399 --> 00:00:36.719 bit better. You've been ripped off or taking advantage of 8 00:00:36.799 --> 00:00:38.759 I want to hear from you. That is what this 9 00:00:38.880 --> 00:00:42.920 shows about. I love sinking my teeth into the bad guys, 10 00:00:42.960 --> 00:00:46.679 maybe a bad contractor maybe a bad landlord, a bad doctor, 11 00:00:47.119 --> 00:00:49.840 you name it. I want to help you. And on 12 00:00:49.880 --> 00:00:52.520 top of that, we got a list of experts at 13 00:00:52.640 --> 00:00:55.759 referral list dot com that are better than anybody out there. 14 00:00:55.799 --> 00:00:57.479 I'll just say it. In fact, if you're looking for 15 00:00:57.520 --> 00:01:00.240 a vendor, if you're looking for an a turn need 16 00:01:00.280 --> 00:01:03.079 to use, if you're looking for anything along those lines, 17 00:01:03.880 --> 00:01:06.480 you go to referral list dot com. I'll simply say 18 00:01:06.519 --> 00:01:08.560 that I'm also going to add the worst of the worst. 19 00:01:09.079 --> 00:01:11.400 You know where that is? Where is that, Suzanne? Where 20 00:01:11.439 --> 00:01:13.920 do we list the worst of the worst? 21 00:01:13.959 --> 00:01:16.000 Sleez Brigade dot com. 22 00:01:15.719 --> 00:01:20.840 By the way, Don Ailey, does anybody remember Don Iiley? 23 00:01:21.239 --> 00:01:24.959 Don Iiley screwed over not only some of our people, 24 00:01:25.079 --> 00:01:29.359 meaning people on referral list and people around the state 25 00:01:29.359 --> 00:01:34.319 of Colorado, small businesses. He was an accountant that would 26 00:01:34.359 --> 00:01:40.719 file bogus tax returns and basically the business got held, 27 00:01:40.760 --> 00:01:42.920 but the business got left hold in the bag. That 28 00:01:43.040 --> 00:01:45.840 was the bottom line. He would basically tell the Feds 29 00:01:46.120 --> 00:01:49.040 that a small business had zero employees, but he would 30 00:01:49.040 --> 00:01:52.959 take the payroll proceeds each month out of that business's 31 00:01:53.079 --> 00:01:56.359 bank account and tell them that they paid the Feds. 32 00:01:56.680 --> 00:01:59.799 After five or ten years, the Feds figured out what 33 00:01:59.879 --> 00:02:02.200 was going on. They came after him, and they went 34 00:02:02.280 --> 00:02:06.319 after the businesses. He got twelve and a half years 35 00:02:06.359 --> 00:02:10.199 in federal in the federal pen. Why am I talking 36 00:02:10.240 --> 00:02:12.199 about him? You know what I heard? I got an 37 00:02:12.240 --> 00:02:16.080 email from somebody. Oh yeah, you remember that. Oh yeah, 38 00:02:16.120 --> 00:02:22.960 he's dead. Apparently he died. He met his maker somewhere 39 00:02:22.960 --> 00:02:26.080 in prison. Of course, he's only been in four or 40 00:02:26.080 --> 00:02:28.280 five years. I don't know if he was murdered. I 41 00:02:28.280 --> 00:02:30.680 don't know if he hung himself, but quite honestly, I 42 00:02:30.680 --> 00:02:31.080 don't care. 43 00:02:31.240 --> 00:02:35.599 He ruined a lot of lives, mark marriages, divorces, suicide, 44 00:02:35.800 --> 00:02:37.240 suicides is terrible. 45 00:02:37.599 --> 00:02:39.599 We had one guy own a business ended up blowing 46 00:02:39.599 --> 00:02:42.400 his head off after Di Niley destroyed the entire business. 47 00:02:42.520 --> 00:02:44.919 So quite frankly, I'm glad he's six feet in the ground. 48 00:02:44.960 --> 00:02:45.639 Good riddance. 49 00:02:45.840 --> 00:02:46.039 Yeah. 50 00:02:46.080 --> 00:02:48.080 We tried to look up what happened, but when you're 51 00:02:48.080 --> 00:02:50.800 in a federal prison and you die, it's not exactly 52 00:02:50.840 --> 00:02:53.560 easy to find information. So I don't know what else 53 00:02:53.639 --> 00:02:56.199 to say. But if anybody out there does know how 54 00:02:56.240 --> 00:02:58.680 he died, I'd love to hear it. I would love 55 00:02:58.759 --> 00:03:01.639 to hear how that man died. He screwed so many people, 56 00:03:01.879 --> 00:03:05.680 He caused deaths, and he destroyed families. So that's it. 57 00:03:05.960 --> 00:03:08.840 And there's still ten million dollars missing. I don't know 58 00:03:08.879 --> 00:03:10.759 who has it, no idea, but. 59 00:03:11.080 --> 00:03:13.159 Here's what the folks he took money from, they still 60 00:03:13.199 --> 00:03:14.960 were left holding the bag, paying not. 61 00:03:15.000 --> 00:03:17.759 Money before he went to court. Oh they're still paying 62 00:03:17.879 --> 00:03:18.479 til this day. 63 00:03:18.599 --> 00:03:19.120 That's sad. 64 00:03:19.840 --> 00:03:22.360 I went down there. In fact, on our Facebook page, 65 00:03:22.719 --> 00:03:26.319 I went down to his office. This is way pre COVID, 66 00:03:26.960 --> 00:03:28.840 and he was the only one in this office. It 67 00:03:28.960 --> 00:03:31.159 was like half a floor of a big building. It 68 00:03:31.280 --> 00:03:36.319 had to be five thousand square feet, twenty thirty forty offices, 69 00:03:36.360 --> 00:03:39.879 big conference room, big reception area, the whole bit. I 70 00:03:39.960 --> 00:03:42.520 walked in there not one person in there, and I'm 71 00:03:42.560 --> 00:03:45.680 Facebook Live at the time. One guy walks out of 72 00:03:45.719 --> 00:03:48.800 one office and the entire thing. It was Don Eiley, 73 00:03:49.120 --> 00:03:51.599 and I confronted him. He had nothing to say, of course, 74 00:03:52.080 --> 00:03:54.199 and basically at some point told me I had to 75 00:03:54.240 --> 00:03:57.000 get out. I was stresspassing. But anyhow, that's what we 76 00:03:57.080 --> 00:03:59.319 do here. I love going after the bad guys. I'll 77 00:03:59.360 --> 00:04:01.280 always let you know when lines are open. Right now, 78 00:04:01.319 --> 00:04:03.560 we have two open three oh three seven to one, 79 00:04:03.680 --> 00:04:06.680 three eight two five five in the studio with me, 80 00:04:07.639 --> 00:04:11.639 my beautiful wife Suzanne, Deputy dollar counting background. We have 81 00:04:11.719 --> 00:04:15.360 Deputy Dmitri. He's our trash man. What do you think 82 00:04:15.400 --> 00:04:16.160 of that, Deputy? 83 00:04:16.560 --> 00:04:17.360 Yeah, I really like that. 84 00:04:17.360 --> 00:04:21.560 I like to he's in the recycling business. He makes 85 00:04:21.639 --> 00:04:25.800 problems disappear good. You like that, yeah, okay. And then 86 00:04:25.800 --> 00:04:28.279 of course we have Kelly on the other side of 87 00:04:28.319 --> 00:04:31.399 the glass and Shannon running the board. We'd love to 88 00:04:31.399 --> 00:04:33.839 hear from you three oh three seven to one, three eight, 89 00:04:33.879 --> 00:04:37.000 two five five before I go to Clayton he's got 90 00:04:37.040 --> 00:04:39.600 a problem with the roofing contractor Clayton. You'll be first, 91 00:04:39.639 --> 00:04:42.800 and then Ray has got a question on wills and probate. 92 00:04:43.040 --> 00:04:45.199 We might get one of our attorneys on at refralist 93 00:04:45.240 --> 00:04:48.399 dot com. But doctor Joel Cherdak is in with me. 94 00:04:48.800 --> 00:04:52.240 He's the owner of Denver regen dot com. What's going on, doc? 95 00:04:52.519 --> 00:04:55.560 Hey Marko morning, Good morning, sir. We're gonna dive into 96 00:04:55.560 --> 00:04:58.040 something I'm doing through you guys. I'm not going to 97 00:04:58.120 --> 00:05:00.759 do it right now, but it's very exciting. I can't 98 00:05:00.839 --> 00:05:03.000 wait to talk about it. And I also want to 99 00:05:03.040 --> 00:05:06.279 dive into a study with you that I was reading yesterday. 100 00:05:06.319 --> 00:05:08.560 I think it came out over the weekend, and it's 101 00:05:08.600 --> 00:05:12.160 basically saying, if you drink any amount of alcohol at all, 102 00:05:12.560 --> 00:05:15.360 your risk of getting cancer is high. That is how 103 00:05:15.399 --> 00:05:19.279 I have read it on CBS, NBC, ABC, CNN, Fox 104 00:05:19.360 --> 00:05:21.720 had a little different take on it, and then some 105 00:05:21.800 --> 00:05:24.720 other articles. But I assume you know what I'm talking 106 00:05:24.720 --> 00:05:25.680 about on this study. 107 00:05:26.000 --> 00:05:27.680 Yeah, I'm pretty familiar with it. 108 00:05:27.959 --> 00:05:30.000 I can't wait to dig into that because there's a 109 00:05:30.000 --> 00:05:31.800 lot of people out there going see you tell me 110 00:05:31.839 --> 00:05:34.480 I have a glass of wine at dinner on Friday. 111 00:05:34.519 --> 00:05:36.759 I'm going to die of cancer. I really do want 112 00:05:36.800 --> 00:05:39.639 to get into that. But before we dive into that, Hey, 113 00:05:39.680 --> 00:05:46.000 what's going on, Clayton, Clayton, you're up, sir? 114 00:05:47.199 --> 00:05:47.360 Hi? 115 00:05:47.639 --> 00:05:53.040 Hey, yes, I do have a problem with a riffing companies. 116 00:05:55.120 --> 00:05:58.480 They came in, did my roof would didn't do a 117 00:05:58.519 --> 00:06:00.959 good job. When I try to add to repeat on 118 00:06:01.120 --> 00:06:03.480 me to redo it, all you want to do is 119 00:06:03.600 --> 00:06:04.199 argue with me. 120 00:06:04.360 --> 00:06:07.160 Hey, Clayton, let's start. Let's start with some basics. When 121 00:06:07.279 --> 00:06:08.279 was the roof done? 122 00:06:12.319 --> 00:06:15.120 Just roughlyly in July? 123 00:06:15.360 --> 00:06:18.079 So in July you hired these roofers, Like after a 124 00:06:18.079 --> 00:06:21.079 hailstorm or was it a cash deal? Why were they 125 00:06:21.120 --> 00:06:25.439 there after a healthstorm? Okay, so you had heal damage, 126 00:06:25.480 --> 00:06:29.120 you contacted your insurance or a roofer. It got approved, 127 00:06:29.120 --> 00:06:31.600 The roofer comes out, they do the roof. Now, when 128 00:06:31.639 --> 00:06:35.279 you said you didn't like what was not done or 129 00:06:35.319 --> 00:06:38.399 how it was done, get a little more specific for me, 130 00:06:38.560 --> 00:06:41.319 like when they were finished or thought they were finished. 131 00:06:41.560 --> 00:06:44.480 What was wrong with it? 132 00:06:44.480 --> 00:06:47.759 It looked like it was an old job though, what 133 00:06:47.800 --> 00:06:50.399 does that mean? One of the one of the employees, 134 00:06:51.000 --> 00:06:54.240 he told me that the shingles was old, but he said, 135 00:06:55.360 --> 00:06:56.319 so that he don't. 136 00:06:56.120 --> 00:06:56.759 Get in trouble. 137 00:06:56.839 --> 00:06:59.199 He said, if I bring that up to his boss, 138 00:06:59.240 --> 00:06:59.759 he would not. 139 00:07:01.319 --> 00:07:04.600 Wait a second, agreed. I'm trying to understand what you're saying. 140 00:07:04.759 --> 00:07:07.720 So tell me if I've got this right. One of 141 00:07:07.759 --> 00:07:10.879 the subcontractors, or I assume is the sub someone that 142 00:07:11.040 --> 00:07:14.160 was working on your roof, said that the shingles were old. 143 00:07:14.360 --> 00:07:16.920 When you say old, you mean they were still new, 144 00:07:17.319 --> 00:07:19.480 but they were old, or you saying they were using 145 00:07:19.560 --> 00:07:21.040 like used shingles. 146 00:07:21.920 --> 00:07:26.639 He didn't say pacific. Only thing he What he did 147 00:07:26.680 --> 00:07:28.959 is he came and replaced a couple of with like 148 00:07:29.079 --> 00:07:32.639 five shingles, and he said that those shingles were not 149 00:07:32.720 --> 00:07:33.079 too good. 150 00:07:33.160 --> 00:07:35.160 Oh wait a second, wait a second, I'm sorry. I 151 00:07:35.560 --> 00:07:38.480 I thought the entire claim would cover the whole roof. 152 00:07:38.839 --> 00:07:40.759 Was it just a small section of the roof? 153 00:07:40.920 --> 00:07:42.879 No, No, they covered the whole roof. They did the 154 00:07:42.920 --> 00:07:43.480 whole room. 155 00:07:43.600 --> 00:07:45.560 So wait a minute, and what do you mean by 156 00:07:45.600 --> 00:07:47.639 he put a few on there that looked old? I 157 00:07:47.639 --> 00:07:48.240 don't get that. 158 00:07:49.160 --> 00:07:51.439 Uh So what he did was when I told him 159 00:07:51.480 --> 00:07:52.839 that the shingles wasn't right. 160 00:07:54.600 --> 00:07:57.720 And so wait wait wait, Clayton, Clayton, I'm sorry, to 161 00:07:58.000 --> 00:08:00.959 keep interrupting, but I really got to understand. So when 162 00:08:01.000 --> 00:08:03.319 you looked up when the roof was done, and you're 163 00:08:03.360 --> 00:08:05.800 telling me it's not right, what do you mean by 164 00:08:05.800 --> 00:08:08.560 that it was the wrong color? They looked old? What 165 00:08:08.759 --> 00:08:11.160 when you said they're not right? What did you mean. 166 00:08:12.920 --> 00:08:14.000 It was the right color? 167 00:08:14.199 --> 00:08:18.319 But what happened is it looked like. 168 00:08:18.279 --> 00:08:19.399 The tip of it was like. 169 00:08:21.000 --> 00:08:21.040 It. 170 00:08:21.399 --> 00:08:25.079 It looked like the chinger would be in there for 171 00:08:25.120 --> 00:08:28.199 a long time. I mean it was like the lift up. 172 00:08:28.240 --> 00:08:30.720 It would kind of like up. And he said, that's 173 00:08:30.759 --> 00:08:32.799 the way the chingo's supposed to look and supposed to 174 00:08:32.840 --> 00:08:35.399 give it the old look instead of a new. 175 00:08:35.919 --> 00:08:38.279 It's supposed to That's really what he said. It's supposed 176 00:08:38.279 --> 00:08:40.240 to give an old look instead of a new look. 177 00:08:40.440 --> 00:08:41.720 That's exactly what he told me. 178 00:08:41.759 --> 00:08:43.759 What was this company called? Who was it? 179 00:08:45.240 --> 00:08:46.720 Robin Hood Roofing? 180 00:08:48.080 --> 00:08:50.039 In What area are you at? 181 00:08:50.360 --> 00:08:53.039 I mean Denver, the Mombella area. 182 00:08:53.360 --> 00:08:55.279 Okay, hold on a second, let me get on hold. 183 00:08:55.320 --> 00:08:56.840 I got to take this break. I'm going to come 184 00:08:56.840 --> 00:08:59.279 back to you right after this. Ray Hold on two 185 00:08:59.279 --> 00:09:02.960 lines open three seven, one, three eight, two five five, 186 00:09:03.200 --> 00:09:06.879 and Kelly, I would like you to get Jay brats 187 00:09:06.919 --> 00:09:10.159 On or Henry brats I would appreciate that. Everybody, hold tight. 188 00:09:10.320 --> 00:09:12.120 We're gonna get to the bottom of this. I mean, 189 00:09:12.320 --> 00:09:15.399 I've never heard of this. You've had some roofing experience, 190 00:09:15.480 --> 00:09:18.600 doctor Joel, You've you know, in your past. I mean, 191 00:09:18.639 --> 00:09:20.720 if you ever heard of anything like that. It's supposed 192 00:09:20.759 --> 00:09:23.519 to look old. That's that's what we're selling you. Is 193 00:09:23.559 --> 00:09:25.759 a shingle that's meant to look old. 194 00:09:26.759 --> 00:09:27.799 That seems ridiculous. 195 00:09:27.879 --> 00:09:36.240 I've never heard anything like it. Hold on, man, there 196 00:09:36.320 --> 00:09:36.799 is a lot. 197 00:09:36.919 --> 00:09:40.159 Go with a sure thing Denver's Best Roofer Excel Roofing 198 00:09:40.279 --> 00:09:40.879 dot com. 199 00:09:40.919 --> 00:09:42.919 You don't pay a cent until you're content. 200 00:09:46.279 --> 00:09:49.480 Time for an insurance check up free no obligation comparison 201 00:09:49.600 --> 00:09:53.159 call Compass Insurance paying too much your coverage at dozens 202 00:09:53.200 --> 00:09:55.919 of insurance companies find out now three oh three seven 203 00:09:56.039 --> 00:09:58.840 seven to one help. You'll think you're his only customer 204 00:09:58.879 --> 00:10:01.120 when you choose Frank Durant, the real estate man dot 205 00:10:01.159 --> 00:10:04.480 com to list your home with Remax Alliance three oh 206 00:10:04.519 --> 00:10:06.600 three nine two zero sixteen twenty two. 207 00:10:06.799 --> 00:10:08.559 Going on in the news. By the way, we're going 208 00:10:08.600 --> 00:10:11.519 to dig into some of it, but right now we're 209 00:10:11.519 --> 00:10:13.600 trying to get one of our roofing companies on. But 210 00:10:13.679 --> 00:10:16.200 I don't care what anybody says. Kelly, did you try 211 00:10:16.240 --> 00:10:17.399 to reach out to those guys? 212 00:10:17.639 --> 00:10:19.600 They haven't responded yet, but I'm working on it. 213 00:10:19.679 --> 00:10:21.879 We should hear back the other one. Let's try down 214 00:10:21.919 --> 00:10:25.840 in Colorado Springs. Who are our friends down there, Suzanne? 215 00:10:27.600 --> 00:10:30.360 But trolley? But what's his name? I like, yeah, see 216 00:10:30.360 --> 00:10:32.399 if we can get O'Malley on. He's a great roofer 217 00:10:32.440 --> 00:10:35.720 down in the Springs, really good people. But here's the deal. 218 00:10:35.759 --> 00:10:39.480 If you're just joining this. Clayton hired Robin Hood roofing. 219 00:10:39.879 --> 00:10:41.960 These guys came out, did the roof. He looks up 220 00:10:42.000 --> 00:10:44.840 at it and the roof just simply doesn't look good 221 00:10:44.879 --> 00:10:46.279 to you, right, Clayton. 222 00:10:47.120 --> 00:10:48.000 Right, that's correct. 223 00:10:48.039 --> 00:10:50.679 And the guy says, he's saying. 224 00:10:50.480 --> 00:10:54.360 That that they tore it a siding off the house. 225 00:10:54.440 --> 00:10:56.720 Yeah, if he placed it with the two by four, 226 00:10:57.320 --> 00:10:58.159 they call it good. 227 00:10:58.440 --> 00:11:00.679 Well, So right now, if you said you a picture, 228 00:11:00.720 --> 00:11:02.360 I mean, the side of your house is a two 229 00:11:02.360 --> 00:11:04.679 by four, that's hard to believe. 230 00:11:06.039 --> 00:11:08.039 If you that you would come and see it, you'll 231 00:11:08.039 --> 00:11:10.240 see I couldn't. I was like, why didn't you just 232 00:11:10.360 --> 00:11:13.399 put a regular sighting. But he just put a two 233 00:11:13.480 --> 00:11:17.720 by four on the side in two areas and then 234 00:11:18.000 --> 00:11:18.960 didn't even paint it. 235 00:11:19.240 --> 00:11:22.639 This doesn't wait a minute, Clayton. Sometimes I get calls 236 00:11:22.639 --> 00:11:25.200 where I just start scratching my head. First of all, 237 00:11:25.240 --> 00:11:29.360 you're telling me this roofing company, Robinhood Roofing, they came out, 238 00:11:29.399 --> 00:11:31.639 they did the roof. You look up on it, and 239 00:11:31.759 --> 00:11:34.120 some of the shingles, for lack of a better word, 240 00:11:34.159 --> 00:11:36.879 look old. They're curling up, they look like they've been 241 00:11:36.919 --> 00:11:40.159 sitting in the sun forever. They just look old. So 242 00:11:40.240 --> 00:11:44.120 you ask them about it, and the person there on 243 00:11:44.200 --> 00:11:48.200 their behalf Robin Hood Roofing employees or subcontractors, whatever it is, 244 00:11:48.679 --> 00:11:52.360 tells you those shingles are meant to look old, right. 245 00:11:53.960 --> 00:11:57.519 Right after the manager told me that. 246 00:11:57.720 --> 00:12:00.519 So then after wait a minute, then after the manager 247 00:12:00.639 --> 00:12:03.600 tells you these shingles are made to look old, and 248 00:12:03.639 --> 00:12:06.240 these are just assphold shingles like most roofs. 249 00:12:06.320 --> 00:12:08.799 Right yeah. 250 00:12:08.840 --> 00:12:11.000 So after you bring that up, not only does he 251 00:12:11.080 --> 00:12:13.440 tell you that, but then you point out where some 252 00:12:13.559 --> 00:12:16.200 siding was on your house. Is this a house or 253 00:12:16.279 --> 00:12:20.759 is this like a barn? So on the siding, they 254 00:12:20.879 --> 00:12:23.279 remove the siding when they were doing the roof or 255 00:12:23.279 --> 00:12:26.240 doing some other work, and they replaced it with just 256 00:12:26.399 --> 00:12:31.600 wood that they didn't even paint correct. This is crazy. 257 00:12:32.320 --> 00:12:35.039 Does anybody in this room believe this? I mean, I'm 258 00:12:35.039 --> 00:12:37.279 not calling you a liar by any means, Clayton, I 259 00:12:37.399 --> 00:12:40.320 just can't believe what clowns these people are. In fact, 260 00:12:40.679 --> 00:12:44.120 before I go any further with these guys and let 261 00:12:44.159 --> 00:12:48.679 everybody know what Robin Hood Roofing possibly has done, Kelly, 262 00:12:48.919 --> 00:12:51.720 let's try to reach out to these guys and give 263 00:12:51.799 --> 00:12:55.480 them an opportunity. So here's what I would like, real quick, Clayton, 264 00:12:55.559 --> 00:12:58.279 I'm gonna put you on hold, take another call. You're 265 00:12:58.360 --> 00:13:01.000 gonna give Kelly the information you have. If you have 266 00:13:01.080 --> 00:13:04.159 the sales guy's name, the phone number, the manager, the owner, 267 00:13:04.480 --> 00:13:07.120 give the best information. And if you have a couple 268 00:13:07.240 --> 00:13:09.879 phone numbers, that would be great. Kelly's going to try 269 00:13:09.919 --> 00:13:12.039 to get them to come on the air because I 270 00:13:12.120 --> 00:13:14.120 would love to hear what they have to say about it. 271 00:13:14.120 --> 00:13:17.159 It's going to be one of two things. Number one, 272 00:13:17.879 --> 00:13:21.919 they're total clowns and they actually did all this, and 273 00:13:22.200 --> 00:13:25.320 they don't have much money in their upside down option 274 00:13:25.440 --> 00:13:29.159 number two. Option number two would be Clayton's stretching it. 275 00:13:29.480 --> 00:13:34.200 He really believes the roof doesn't look good and he 276 00:13:34.320 --> 00:13:37.200 wants it redone, and they're saying it is fine. I 277 00:13:37.200 --> 00:13:39.320 do want to ask him one thing, Hey, Clayton, did 278 00:13:39.360 --> 00:13:40.480 it pass inspection? 279 00:13:42.120 --> 00:13:44.919 We never seen the instruction on paper. 280 00:13:45.240 --> 00:13:47.000 You've never seen it at all. Do you know if 281 00:13:47.039 --> 00:13:49.039 they pulled a permit? Did you see a permit on 282 00:13:49.080 --> 00:13:49.559 your house? 283 00:13:50.000 --> 00:13:52.159 They never did a permit either, So there. 284 00:13:52.039 --> 00:13:54.320 Was never a permit anywhere on your house, like on 285 00:13:54.440 --> 00:13:56.320 the garage door or post it anywhere? 286 00:13:56.440 --> 00:13:57.519 Oh? Nothing? 287 00:13:58.120 --> 00:14:05.279 How much did the insurance company pay them, guys? Eighteen 288 00:14:05.960 --> 00:14:09.440 eighteen thousand? Hold on, this is crazy. You know I've 289 00:14:09.480 --> 00:14:13.159 been wanting something to go after. This is driving me nuts, Kelly. 290 00:14:13.159 --> 00:14:16.320 I'm gonna leave them on hold, please, like right now, 291 00:14:16.399 --> 00:14:19.279 try to figure out. Get one of them on. Let's 292 00:14:19.279 --> 00:14:22.240 see if these guys come on this Robin Hood. I mean, 293 00:14:22.320 --> 00:14:25.559 this is this is absolutely insane. Hey, Ray, what's going 294 00:14:25.639 --> 00:14:27.799 on with you? It looks like you got a question 295 00:14:27.879 --> 00:14:28.440 on a will? 296 00:14:29.559 --> 00:14:31.879 Yeah, I just need to know what kind of advice 297 00:14:32.320 --> 00:14:34.720 what to follow. My mom died a couple of weeks ago. 298 00:14:35.399 --> 00:14:37.879 She had a will, complete will or whatever thing she 299 00:14:37.960 --> 00:14:41.840 wanted to done. She has no real estate, it's just 300 00:14:41.960 --> 00:14:44.399 a little bit of cash. It's around one hundred thousand, 301 00:14:45.159 --> 00:14:47.600 so I guess that's the amount has to go through 302 00:14:47.639 --> 00:14:50.320 probate before it's dispersed. 303 00:14:51.000 --> 00:14:53.919 So in the will everything's left to you. I'm asking 304 00:14:53.960 --> 00:14:56.080 you that. Or do you have siblings? How does that look. 305 00:14:57.200 --> 00:14:59.320 If divided among the siblings? 306 00:14:59.519 --> 00:15:03.240 And how many are there? Yeah, I don't think there's 307 00:15:03.279 --> 00:15:07.960 a way to get out of probate. And on the 308 00:15:08.039 --> 00:15:12.919 bank account itself, no one was listed after her if 309 00:15:13.080 --> 00:15:14.919 if she met her demise like she did. 310 00:15:16.480 --> 00:15:20.759 No, huhh, it's the bank. Most of your money's in Nebraska. 311 00:15:21.120 --> 00:15:24.200 But she lived in Colorado, but she moved for Nebraska 312 00:15:24.240 --> 00:15:28.200 and just left her money there. So that's but it's 313 00:15:28.240 --> 00:15:29.000 just in her name. 314 00:15:29.639 --> 00:15:34.679 It's just in her name, one hundred percent. I wonder 315 00:15:34.679 --> 00:15:38.200 why she didn't list a beneficiary I I want to 316 00:15:38.240 --> 00:15:41.039 get I don't think really there's much to do. You 317 00:15:41.120 --> 00:15:43.360 got to go into probate. Who's in charge of the will? 318 00:15:43.399 --> 00:15:45.039 Who did she list? 319 00:15:45.440 --> 00:15:49.720 My brother? Then my sister's next in mine if he 320 00:15:49.759 --> 00:15:51.200 doesn't do it well, and. 321 00:15:51.279 --> 00:15:53.679 Are they simply not doing it? Why are you making 322 00:15:53.679 --> 00:15:55.759 the call today? And I'm going to get Brad O'Brien 323 00:15:55.840 --> 00:15:58.120 on or I'm sorry, I'm going to get mackenzie on 324 00:15:58.240 --> 00:15:59.039 to talk about it. 325 00:16:00.159 --> 00:16:02.720 My brother's gone overwhelmed. He don't know what to do, 326 00:16:02.879 --> 00:16:05.159 he said, he just wants to give it to the 327 00:16:05.240 --> 00:16:07.240 lawyer and handle I. So if you do that, the 328 00:16:07.279 --> 00:16:08.320 money's going to be gone. 329 00:16:08.799 --> 00:16:12.759 It's not you know, well, I don't know about that necessarily. 330 00:16:12.879 --> 00:16:16.320 I'm not exactly sure how much that would cost. But 331 00:16:16.399 --> 00:16:18.320 what I would like to do is we'll get Dan 332 00:16:18.440 --> 00:16:20.639 McKenzie on. Hold on, I'm going to get one of 333 00:16:20.639 --> 00:16:22.600 our experts on. We're going to get Dan McKenzie and 334 00:16:22.639 --> 00:16:24.440 ask them. Not only that, we're going to kind of 335 00:16:24.480 --> 00:16:26.840 ask him how much to go through probate with a 336 00:16:27.399 --> 00:16:30.120 with an attorney and what are the other options. Let's 337 00:16:30.120 --> 00:16:32.559 hear that from them. Is there something your brother can 338 00:16:32.600 --> 00:16:35.000 do or is there something your sister can do or 339 00:16:35.240 --> 00:16:37.960 you can do that would cost a little or next 340 00:16:37.960 --> 00:16:40.840 to nothing. But let's figure out those answers. I'm sure 341 00:16:40.879 --> 00:16:43.799 there is a way for people to do it themselves. 342 00:16:43.919 --> 00:16:46.240 I mean, there's no doubt about it. Whether or not 343 00:16:46.279 --> 00:16:49.279 you guys are capable of that. Maybe you'll decide after 344 00:16:49.519 --> 00:16:53.000 we talked to Dan McKenzie. Now doctor Joel in studio. 345 00:16:53.039 --> 00:16:54.919 We got two lines open three O three seven one 346 00:16:54.960 --> 00:16:57.720 three eight two five five. We're waiting on Kelly to 347 00:16:57.759 --> 00:17:00.919 talk to that roofing company. So doctor Joel, I want 348 00:17:00.960 --> 00:17:03.399 to tell you something. I don't mind talking about this 349 00:17:03.519 --> 00:17:05.759 on air. I talked to Suzanne about it, and I 350 00:17:05.759 --> 00:17:10.440 don't mind it all. I started try try zeppetide. How 351 00:17:10.480 --> 00:17:14.039 do you put it? Tears zepetide, tar zepetide t E 352 00:17:14.200 --> 00:17:17.440 r t I r t I r turs zeppiptide. That's 353 00:17:17.440 --> 00:17:19.799 going to kill me every Why do they name medications 354 00:17:19.799 --> 00:17:22.559 so ridiculous? If you look at cars, most cars are 355 00:17:22.640 --> 00:17:26.680 named very simple, like take Tesla model as model X. 356 00:17:27.279 --> 00:17:32.359 But medications they have like fourteen syllables and no one knows. 357 00:17:32.359 --> 00:17:34.680 They're all made up, right, I mean, it's that's made up. 358 00:17:34.759 --> 00:17:36.119 It's made up. 359 00:17:36.240 --> 00:17:40.160 Yeah, it's crazy. Anyhow, I digress. Here's the bottom line. 360 00:17:40.880 --> 00:17:44.319 I went on it. I started it Wednesday, last Wednesday. 361 00:17:45.119 --> 00:17:47.359 And what it is and I'll have you explain it. 362 00:17:47.640 --> 00:17:49.559 In fact, you explain what it is first. 363 00:17:50.079 --> 00:17:53.400 Well, what it's called is a GLP one. A lot 364 00:17:53.400 --> 00:17:55.960 of people have probably heard that term GLP one medication, 365 00:17:56.079 --> 00:18:00.599 which stands for glucagon like protein and all that is. Glucagon. 366 00:18:00.720 --> 00:18:04.119 Protein is a protein your body makes when you have 367 00:18:04.319 --> 00:18:05.720 enough food, when you feel hungry. 368 00:18:05.920 --> 00:18:07.960 So, the best way that I can describe it, now 369 00:18:07.960 --> 00:18:10.799 that I'm on it, everybody out there has sat down 370 00:18:10.839 --> 00:18:13.640 and had more than they can chew. They've had a 371 00:18:13.680 --> 00:18:16.559 big Thanksgiving dinner, they ate too many slices of pizza. 372 00:18:16.599 --> 00:18:18.519 They ate the pizza then followed it up with a 373 00:18:18.519 --> 00:18:22.400 bag of the ritos. Whatever it is, you're too freaking full, 374 00:18:22.720 --> 00:18:26.079 and your stomach tells your brain you can't get another 375 00:18:26.160 --> 00:18:29.240 bite in. I mean literally, you feel so full it's crazy. 376 00:18:29.279 --> 00:18:33.319 It's like after Thanksgiving dinner. What I have noticed about this? 377 00:18:33.880 --> 00:18:39.960 And I am amazed, amazed. Not even a weekend tomorrow 378 00:18:40.000 --> 00:18:42.359 be a week I've only had one shot last Wednesday morning. 379 00:18:43.799 --> 00:18:46.799 I don't feel hungry. I almost wonder if there's some 380 00:18:47.039 --> 00:18:50.440 form of a placebo effect happening to me, but I 381 00:18:50.559 --> 00:18:55.079 simply don't feel hungry now. I have intermittently fasted along 382 00:18:55.119 --> 00:18:57.400 with my wife for many years. There's been years we 383 00:18:57.480 --> 00:19:00.240 have only eaten once a day. Now. I haven't done 384 00:19:00.279 --> 00:19:03.200 that for a while, but generally we never eat in 385 00:19:03.240 --> 00:19:05.960 the mornings. We just don't. Will end up e for 386 00:19:06.119 --> 00:19:08.440 on a trip or something, we will, but generally we don't. 387 00:19:09.960 --> 00:19:14.279 And I weighed starting at two twenty five. Okay, I 388 00:19:14.319 --> 00:19:18.920 am down under two fifteen. Now I'm down twelve pounds 389 00:19:19.319 --> 00:19:21.119 in six days. But I'll tell you why. There's no 390 00:19:21.240 --> 00:19:24.119 magic about it. I'm not hungry. I have eaten, like 391 00:19:24.519 --> 00:19:26.519 I think to first day, well, the first day I 392 00:19:26.680 --> 00:19:29.240 ate normally, I didn't do anything. The second day, I'd 393 00:19:29.279 --> 00:19:31.400 like six chicken wings. The next day I might have 394 00:19:31.400 --> 00:19:33.640 had a Hamburger, patty, whatever it is. But I've been 395 00:19:33.680 --> 00:19:36.599 eating next to nothing, and I don't feel hungry at all. 396 00:19:36.920 --> 00:19:39.400 I seem to still have the energy level. I was 397 00:19:39.519 --> 00:19:41.920 terrified I wouldn't have the energy level to do yoga 398 00:19:41.920 --> 00:19:44.599 and stuff. But the fact that I've dropped almost twelve 399 00:19:44.640 --> 00:19:49.240 pounds in six days is unbelievable. I can't imagine. Those 400 00:19:49.279 --> 00:19:52.079 are the kind of results most people have. And I'm 401 00:19:52.079 --> 00:19:54.559 on the lowest dose there is, right, five units. 402 00:19:54.599 --> 00:19:57.440 You call it, Well, you're on our standard starter dose, so. 403 00:19:57.480 --> 00:20:01.240 That's the standard. It's crazy. What do you make of that? 404 00:20:01.359 --> 00:20:04.200 I mean, if you heard that kind of outcome before, Uh, 405 00:20:04.240 --> 00:20:04.519 we have. 406 00:20:04.799 --> 00:20:08.079 Actually, you know, everybody responds a little bit differently, but 407 00:20:08.640 --> 00:20:13.720 generally speaking, people lose weight pretty quickly, sometimes remarkable. Sometimes 408 00:20:13.720 --> 00:20:15.119 it's a couple of weeks. I mean with you, it's 409 00:20:15.200 --> 00:20:17.759 it's a week. It's amazing. Uh, but we've seen it's 410 00:20:17.759 --> 00:20:18.400 not unheard of. 411 00:20:18.759 --> 00:20:21.920 It's crazy. You don't. I can't even explain it to 412 00:20:21.960 --> 00:20:24.880 my wife. I can't even explain it to her. It's like, 413 00:20:25.000 --> 00:20:28.799 I don't feel hungry. You know, generally you get hungry 414 00:20:29.119 --> 00:20:32.519 and you start thinking of food. Those thoughts are literally 415 00:20:32.640 --> 00:20:35.720 wiped out. I mean, I just don't feel hungry anymore. 416 00:20:36.000 --> 00:20:38.759 I can't believe it, but I want them inside effects. 417 00:20:38.799 --> 00:20:40.440 I really haven't had any side. 418 00:20:40.359 --> 00:20:43.079 Was forcing yourself to eat, Mark, I mean, really you have. 419 00:20:43.319 --> 00:20:44.440 That's what I've noticed. 420 00:20:44.640 --> 00:20:47.440 I literally had last night we got home. We did 421 00:20:47.519 --> 00:20:50.079 yoga after the show, like between three and four. We 422 00:20:50.160 --> 00:20:52.920 get home. I hadn't eaten all day, and I literally 423 00:20:52.960 --> 00:20:56.440 forced myself to eat maybe uh maybe a quarter pound 424 00:20:56.519 --> 00:20:59.680 of some kind of chicken. That's that's what I ate, 425 00:20:59.720 --> 00:21:02.359 and then a handful of pistachios. And when I was 426 00:21:02.400 --> 00:21:05.400 done with the pistachios, I was like, I overdid it. 427 00:21:05.960 --> 00:21:08.319 I can't believe it. I overdid it. I ate like 428 00:21:08.599 --> 00:21:12.240 calorie wise, we're talking like three for hundred calories. There's 429 00:21:12.279 --> 00:21:14.319 got to be a downside to this. We'll talk about that. 430 00:21:14.599 --> 00:21:17.720 Dan McKenzie's coming up right after this break, So Ray, 431 00:21:17.759 --> 00:21:21.920 we're gonna answer your question for Dan. His wife or 432 00:21:21.920 --> 00:21:24.599 I'm sorry, his mother passed away one hundred thousand dollars 433 00:21:24.680 --> 00:21:28.400 in cash, no real estate, so a small Affidavid's not 434 00:21:28.440 --> 00:21:31.200 going to work a small state Affidavid. But for him 435 00:21:31.200 --> 00:21:34.079 to get the one hundred thousand dollars, Uh, he's going 436 00:21:34.119 --> 00:21:36.400 to have to go to probate Dan. I would assume that, 437 00:21:36.720 --> 00:21:39.119 but can he do it on his own? And if not, Dan, 438 00:21:39.359 --> 00:21:42.680 what would that generally run? Everybody hold tight a lot cooking, 439 00:21:48.880 --> 00:21:52.119 all right? Three three seven, one, three eight two five five. 440 00:21:52.279 --> 00:21:54.480 By the way, this hour brought to you by Frank Dran, 441 00:21:55.160 --> 00:21:57.839 the real estate man. You know, Frank made us a 442 00:21:57.960 --> 00:22:01.559 fortune selling our house in cap So Rock. He actually 443 00:22:01.680 --> 00:22:04.440 listed it lower than the same models in the neighborhood 444 00:22:04.440 --> 00:22:06.880 by quite a bit. I thought he was nuts. If 445 00:22:06.880 --> 00:22:09.359 he's listening, sorry, Frank, but I thought you were crazy. 446 00:22:09.599 --> 00:22:13.839 But ultimately what happened he created a bidding frenzy, and 447 00:22:14.000 --> 00:22:16.000 all said and done, are sold for more than any 448 00:22:16.039 --> 00:22:18.000 of the other ones. I couldn't have been more happy. 449 00:22:18.000 --> 00:22:19.680 It was great. And then he helped us get our 450 00:22:19.720 --> 00:22:22.240 house and negotiate a great price on our house in 451 00:22:22.240 --> 00:22:25.279 frank Town. Frank durand Holmes dot com. Check him out 452 00:22:25.279 --> 00:22:29.160 Frank durand Holmes dot com. Now I want to go 453 00:22:29.240 --> 00:22:32.359 to a referral list member and a really really great 454 00:22:32.400 --> 00:22:36.920 attorney when it comes to Will's probate anything like that. 455 00:22:37.039 --> 00:22:40.880 Trust he can do everything. But Dan McKenzie COO Plans 456 00:22:40.920 --> 00:22:43.279 dot co. By the way, But Dan, first of all, 457 00:22:43.319 --> 00:22:44.720 Happy New Year. How are you doing? 458 00:22:44.799 --> 00:22:45.039 Man? 459 00:22:46.000 --> 00:22:46.400 Very good? 460 00:22:46.559 --> 00:22:46.960 Very good. 461 00:22:47.160 --> 00:22:49.839 So we've got a question. I want to bring Ray up. 462 00:22:49.839 --> 00:22:53.599 But Ray had a pretty basic question. His mom passed away, 463 00:22:53.839 --> 00:22:57.680 I think a couple of weeks ago. Is that correct, Ray, Yes, sir, 464 00:22:58.599 --> 00:23:03.000 his all she had was cash in the bank, and 465 00:23:03.079 --> 00:23:06.000 for whatever reason, there was no beneficiary. But I want 466 00:23:06.000 --> 00:23:08.279 to ask you about that after the fact end. But 467 00:23:08.640 --> 00:23:11.519 what does he have to First of all, he does 468 00:23:11.599 --> 00:23:13.839 have to go through probate, is that correct? 469 00:23:14.599 --> 00:23:17.000 Yeah, she's got more than eighty two thousand bucks, and 470 00:23:17.119 --> 00:23:18.920 you know, I'm sure she has some personal property too, 471 00:23:19.039 --> 00:23:20.640 but just that cash in the bank is more than 472 00:23:20.720 --> 00:23:22.079 eighty two thousands, So yes. 473 00:23:22.119 --> 00:23:24.920 So there it is. And then if it's real estate, 474 00:23:25.119 --> 00:23:28.400 just for other people listening, my understanding is it doesn't 475 00:23:28.440 --> 00:23:31.119 matter if the piece of property or the parcel is 476 00:23:31.160 --> 00:23:34.400 only worth fifteen thousand, it pretty much if it's not 477 00:23:34.519 --> 00:23:37.559 in a trust or something like that, it pretty much 478 00:23:37.599 --> 00:23:39.240 has to go through probate as well. 479 00:23:40.079 --> 00:23:40.400 Correct. 480 00:23:40.799 --> 00:23:44.920 Okay, Now his main question is the person in charge 481 00:23:44.920 --> 00:23:47.400 of the will, is that your brother or sister. Ray 482 00:23:48.440 --> 00:23:52.319 brother has no idea what they're doing. He has too 483 00:23:52.400 --> 00:23:55.559 many things on his mind. He's not doing anything and 484 00:23:56.039 --> 00:23:58.480 he doesn't know what to do. So you know, kind 485 00:23:58.480 --> 00:24:00.359 of pick it up from there. I guess that's really 486 00:24:00.400 --> 00:24:03.160 the question is there something Ray he can do. He's 487 00:24:03.200 --> 00:24:05.440 afraid if they hire an attorney, you know, it's going 488 00:24:05.480 --> 00:24:09.960 to wipe out all the money. Just give me your thoughts, Dan, I. 489 00:24:09.880 --> 00:24:11.839 Mean, that would be a lot of money to wipe out. 490 00:24:12.799 --> 00:24:14.519 I mean, I think you know. 491 00:24:14.640 --> 00:24:17.400 Unfortunately, there is only one probate process, whether we're dealing 492 00:24:17.400 --> 00:24:19.359 with ten million or one hundred thousand, So you've still 493 00:24:19.400 --> 00:24:20.960 got to run the credit or notifications. 494 00:24:21.039 --> 00:24:21.799 You still got to do. 495 00:24:22.519 --> 00:24:25.039 You know a couple things and inventory and stuff like that, 496 00:24:25.119 --> 00:24:29.839 but it probably would be relatively straightforward. So you know, 497 00:24:31.359 --> 00:24:33.680 you're probably looking in the five to ten thousand range 498 00:24:33.680 --> 00:24:37.400 should do a probate typically that is uncontested and relatively straightforward, honest, 499 00:24:37.359 --> 00:24:38.119 say with attorneycy. 500 00:24:38.200 --> 00:24:39.279 So that might be too much. 501 00:24:39.680 --> 00:24:40.880 I understand. 502 00:24:42.079 --> 00:24:44.279 You can go out there. The courts actually do have 503 00:24:44.359 --> 00:24:46.559 a lot of self help resources for people who are 504 00:24:46.559 --> 00:24:49.839 trying to do probates. Your brother, even if he is 505 00:24:49.920 --> 00:24:53.079 nominated in the will, can renounce that position. He does 506 00:24:53.079 --> 00:24:55.359 not have to do it if he's if he understands 507 00:24:55.359 --> 00:24:57.799 he doesn't have time to do it, that's great. But 508 00:24:57.920 --> 00:24:59.839 if you go out there and just google the term 509 00:25:00.279 --> 00:25:06.039 Colorado probate JDF j d F instructions like, you'll probably 510 00:25:06.039 --> 00:25:07.920 pull up this form that the courts have put out 511 00:25:08.799 --> 00:25:10.720 explaining what you need to do to get the probate 512 00:25:10.720 --> 00:25:12.359 going and which forms you need to file. 513 00:25:12.559 --> 00:25:15.440 Could you brother elect anybody he wants or can the 514 00:25:15.480 --> 00:25:17.720 other people listed in the will say no, no, no, we 515 00:25:17.759 --> 00:25:18.799 don't want that person. 516 00:25:20.880 --> 00:25:24.960 Well, if so, it depends on if so, there's a 517 00:25:25.000 --> 00:25:27.799 priority in the in the Colorado Statutes for who gets 518 00:25:27.839 --> 00:25:30.839 to be appointed. If multiple people apply at the same time, 519 00:25:31.359 --> 00:25:33.440 and if obviously they're all brothers and sisters are going 520 00:25:33.519 --> 00:25:36.160 to have the same level of priority. So if they 521 00:25:36.240 --> 00:25:38.519 cannot agree with each other on who should do it, 522 00:25:38.559 --> 00:25:40.279 then yeah, there's going to be a court hearing and 523 00:25:40.359 --> 00:25:42.240 the court will need to decide which one to appoint. 524 00:25:42.960 --> 00:25:45.119 If they can agree, they can all all the ones 525 00:25:45.119 --> 00:25:47.440 who don't want to do it just file those renunciations 526 00:25:47.440 --> 00:25:49.559 that I just mentioned and make it clear to the court, like, 527 00:25:49.599 --> 00:25:51.279 we don't need to have a court hearing. We all 528 00:25:51.319 --> 00:25:52.640 agree it should be this person. 529 00:25:52.680 --> 00:25:54.000 And then the court word points out. 530 00:25:53.839 --> 00:25:55.759 And what was that again, JDF. 531 00:25:55.319 --> 00:26:00.599 What uh Colorado Probate instructions put some combination in Colorado 532 00:26:00.640 --> 00:26:03.920 AP probate instructions JBF, got it. 533 00:26:04.039 --> 00:26:06.039 And that'll be the actually document on it. 534 00:26:06.880 --> 00:26:10.119 Yeah, and then it's there's a bunch of JDF forms 535 00:26:10.440 --> 00:26:12.160 the US fill out yep. 536 00:26:12.480 --> 00:26:14.480 And then how much do you think? Roughly? And I 537 00:26:14.519 --> 00:26:16.880 hate putting you on the spot with pricing, but honestly, 538 00:26:18.000 --> 00:26:20.480 if no one was contesting everything and it was a 539 00:26:20.599 --> 00:26:23.480 straightforward I realize you got to list everything in the 540 00:26:23.519 --> 00:26:27.440 paper to make sure you know different creditors don't come forward. 541 00:26:27.680 --> 00:26:31.319 I mean if everything went smooth, I mean, how many 542 00:26:31.480 --> 00:26:35.640 hours of work is that? How many dollars generally? And 543 00:26:36.000 --> 00:26:38.640 you know, I mean I realize every attorney's a little different, 544 00:26:38.640 --> 00:26:41.480 but give us a generalized because if we're talking five 545 00:26:41.599 --> 00:26:44.240 or ten grand, it could be very well worth it. 546 00:26:44.279 --> 00:26:46.599 But if we're talking fifty grand, that'd be insane. 547 00:26:47.400 --> 00:26:47.720 Yeah. 548 00:26:48.279 --> 00:26:50.119 Yeah, I mean, I think you've made the point there 549 00:26:50.240 --> 00:26:52.440 that you know, you never know if something got to 550 00:26:52.440 --> 00:26:54.960 shop and contest something. It sounds like there is they 551 00:26:55.000 --> 00:26:56.640 will and no one's I mean it said there's one 552 00:26:56.640 --> 00:26:59.240 account and it probably gets split equally to gain of siblings. 553 00:27:00.680 --> 00:27:03.359 You know, Yeah, you're right on the ballpark there. You know, 554 00:27:03.440 --> 00:27:07.319 probably five to ten thousand bucks depending on how they 555 00:27:07.440 --> 00:27:09.680 charge without any context. 556 00:27:09.680 --> 00:27:12.119 So Ray, what are you just listening to Dan and 557 00:27:12.160 --> 00:27:15.519 what he said so far? There's a couple options here. One, 558 00:27:16.079 --> 00:27:17.960 if your brother doesn't want to do it, he can 559 00:27:18.000 --> 00:27:21.799 basically step down and say, well he can say, Ray 560 00:27:21.839 --> 00:27:23.119 can do it, but you're going to have to go 561 00:27:23.200 --> 00:27:26.160 through the court. We've told you what to google, and 562 00:27:26.319 --> 00:27:28.920 you can fill out that paperwork and file it and 563 00:27:29.279 --> 00:27:32.039 that's probably not that big of a deal. But then 564 00:27:32.599 --> 00:27:34.920 you could go in there and figure out how to 565 00:27:34.960 --> 00:27:39.240 do this all yourself. But man, that sounds crazy, whereas 566 00:27:39.279 --> 00:27:42.279 you could hire an attorney. And if you guys aren't fighting, 567 00:27:42.359 --> 00:27:45.480 And by the way, is there any infighting or everybody 568 00:27:45.559 --> 00:27:47.759 just wants to do what was in the will and 569 00:27:47.799 --> 00:27:48.359 get it done. 570 00:27:49.480 --> 00:27:52.200 No, there's no fighting. She laid everything out what she 571 00:27:52.279 --> 00:27:53.119 wanted done. 572 00:27:52.920 --> 00:27:54.559 And everybody respects it. 573 00:27:55.559 --> 00:27:56.079 Yeah. 574 00:27:56.119 --> 00:27:57.799 So there's a couple of ways. 575 00:27:57.839 --> 00:27:58.039 Man. 576 00:27:58.400 --> 00:28:00.920 One you call Dan McKenzie. To be honest, that's what 577 00:28:00.960 --> 00:28:03.119 I would do. I wouldn't even think twice about it. 578 00:28:03.240 --> 00:28:06.880 I mean he's talking if everything's good, I mean smooth sailing. 579 00:28:07.200 --> 00:28:10.559 You're looking at five grand, possibly you know, ten grand, 580 00:28:10.559 --> 00:28:14.000 but somewhere around there, and it's done. It's over the money. 581 00:28:14.039 --> 00:28:16.960 You'll be in everybody's bank account and more importantly, it'll 582 00:28:16.960 --> 00:28:19.720 be done right. You'll make sure you guys split that 583 00:28:19.839 --> 00:28:22.039 money up. Or you don't do something right, And Dan, 584 00:28:22.160 --> 00:28:25.000 tell me if I'm wrong in six months from now, 585 00:28:25.039 --> 00:28:29.160 some creditor and the notice wasn't properly done. That can 586 00:28:29.200 --> 00:28:31.640 come back and bite someone in the ass. 587 00:28:32.160 --> 00:28:34.839 Yeah, that's the big risk that people overlook. And the 588 00:28:34.880 --> 00:28:37.880 family's getting along there just about the family, but the 589 00:28:37.920 --> 00:28:41.279 probate process is about paying anybody who thinks your mother 590 00:28:41.319 --> 00:28:43.240 owed them money as well. And you know there could 591 00:28:43.279 --> 00:28:45.359 be a medical dout there from like a wall. You know, 592 00:28:45.519 --> 00:28:47.440 you just don't know. And it's like if you distribute 593 00:28:47.440 --> 00:28:51.359 the money prematurely, March point is exactly right, like you, 594 00:28:51.440 --> 00:28:54.519 they can come back and now you've got personal liability 595 00:28:54.599 --> 00:28:56.079 because you didn't do it correctly. 596 00:28:56.160 --> 00:28:56.440 Yeah. 597 00:28:56.480 --> 00:28:59.319 So I mean, Ray, it's worth I know people don't 598 00:28:59.359 --> 00:29:02.319 like hearing this. You're talking five or ten percent of 599 00:29:02.359 --> 00:29:05.599 the inheritance in this case, but it's well worth it, man, 600 00:29:05.680 --> 00:29:08.000 because the last thing you want is someone coming after 601 00:29:08.279 --> 00:29:12.720 your assets because you didn't do something right. It's just crazy, man. 602 00:29:12.759 --> 00:29:15.400 So Ray, I'm going to give you Dan's number. You ready. 603 00:29:15.440 --> 00:29:20.000 It's so easy, it's crazy. Eight three three co plans 604 00:29:20.559 --> 00:29:23.480 eight three three co plans. What I would do is 605 00:29:23.480 --> 00:29:26.279 talk to your brother, talk to your other siblings and 606 00:29:26.359 --> 00:29:30.319 basically say, hey, listen, I got some advice today. I 607 00:29:30.400 --> 00:29:32.559 called up to Troubleshooter Show. I talked to one of 608 00:29:32.559 --> 00:29:35.920 their attorneys on referral list dot com, Dan McKenzie, and 609 00:29:36.000 --> 00:29:39.160 here's the bottom line, here's the information I got, And 610 00:29:39.200 --> 00:29:40.920 tell them I think this is the best way to 611 00:29:40.960 --> 00:29:44.079 do it, because a it's gonna get done and we're 612 00:29:44.079 --> 00:29:46.680 not going to risk people coming after us later on. 613 00:29:47.920 --> 00:29:50.160 Okay, I appreciate that you got it, man. 614 00:29:50.200 --> 00:29:53.079 I appreciate your call. Hey, Dan, I appreciate you coming 615 00:29:53.079 --> 00:29:56.160 on as always. Man, have a good New Year's anybody 616 00:29:56.160 --> 00:29:59.119 out there. I mean, you do everything simple. I say 617 00:29:59.119 --> 00:30:02.640 a simple trust. I would assume there's something you know 618 00:30:02.680 --> 00:30:04.720 what there are what I would refer to as a 619 00:30:04.799 --> 00:30:08.640 simple trust, because I know there's very complicated trust. So 620 00:30:08.759 --> 00:30:10.720 you can do either or you can also do a 621 00:30:10.799 --> 00:30:13.160 simple will you can do it all. I mean that's 622 00:30:13.200 --> 00:30:15.880 the bottom line, right, Yeah, we do. 623 00:30:16.000 --> 00:30:18.680 We don't put everyone in the same plan. We don't 624 00:30:18.680 --> 00:30:22.799 put everyone in trust frankly, so yes, there are simple 625 00:30:22.839 --> 00:30:24.319 plans that does happen sometimes. 626 00:30:24.400 --> 00:30:24.599 Yep. 627 00:30:24.759 --> 00:30:26.960 I absolutely love it. And people can call you up 628 00:30:26.960 --> 00:30:30.599 and you'll do generally speaking, they'll tell you what's going on, 629 00:30:30.920 --> 00:30:32.799 what they want done, and you're going to tell them 630 00:30:32.799 --> 00:30:35.240 how much, in other words, flat rate pricing. They're not 631 00:30:35.279 --> 00:30:38.720 going to be surprised at the end. Right, I love it. 632 00:30:38.759 --> 00:30:41.440 Thank you, Dan, and you can find Dan McKenzie at 633 00:30:41.480 --> 00:30:43.880 referral list dot com. Now we're still trying to get 634 00:30:43.880 --> 00:30:46.240 one of our roofers on. That's driving me nuts. Three 635 00:30:46.359 --> 00:30:49.119 oh three seven one three eight two five five. We've 636 00:30:49.119 --> 00:30:51.440 got a couple lines open. You've been ripped off, taken 637 00:30:51.480 --> 00:30:54.000 advantage of, and then, Kelly, before I go to break 638 00:30:54.039 --> 00:30:57.400 real quick, did you get in touch with this robinhood 639 00:30:57.480 --> 00:30:58.359 roofing anything? 640 00:30:58.519 --> 00:30:59.359 Oh I did? 641 00:30:59.599 --> 00:31:02.680 Oh wait, wait, don't tell me now, tell me tell 642 00:31:02.759 --> 00:31:04.359 me after this. 643 00:31:08.720 --> 00:31:11.960 Go with a sure thing Denver's best roofer Excel Roofing 644 00:31:12.079 --> 00:31:16.240 dot com. You don't pay a cent until you're contenth 645 00:31:18.119 --> 00:31:21.680 time for an insurance checkup free, no obligation comparison call 646 00:31:21.759 --> 00:31:25.079 Compass Insurance paying too much your coverage at dozens of 647 00:31:25.119 --> 00:31:27.839 insurance companies find out now three O three seven to 648 00:31:27.839 --> 00:31:30.640 seven to one help. You'll think you're his only customer 649 00:31:30.680 --> 00:31:32.920 when you choose Frank durand the real estate Man dot 650 00:31:32.960 --> 00:31:36.480 com to list your home with Remax Alliance three three 651 00:31:36.559 --> 00:31:39.400 nine two zero sixteen twenty two. 652 00:31:40.640 --> 00:31:43.079 Oh man, we finally got a roofing expert on. But 653 00:31:43.240 --> 00:31:45.920 you know, uh, it's no longer going to be the 654 00:31:45.920 --> 00:31:48.799 Golf of Mexico. Did you guys know that I was 655 00:31:48.880 --> 00:31:52.240 just reading a Trump's newest. 656 00:31:51.960 --> 00:31:53.559 Sounds like you're getting a kick out of it much. 657 00:31:53.599 --> 00:31:55.799 I love it. I know there's people out there pulling 658 00:31:55.839 --> 00:31:58.079 their hair out going he can't do that. I don't 659 00:31:58.079 --> 00:32:01.759 know why he can't. But they're to rename the Golf 660 00:32:01.799 --> 00:32:05.359 of Mexico. Ready for this, the Golf of Trump. No, 661 00:32:05.400 --> 00:32:09.240 I'm kidding, I'm kidding, Golf of America. I love it. 662 00:32:09.240 --> 00:32:13.799 He really said that today we're gonna buy Greenland? Right, 663 00:32:14.559 --> 00:32:16.240 aren't we trying to purchase Greenland? 664 00:32:16.319 --> 00:32:16.480 Yeah? 665 00:32:16.519 --> 00:32:18.279 His son is over there, and I assume he brought 666 00:32:18.359 --> 00:32:19.000 this checkbook. 667 00:32:19.599 --> 00:32:22.279 I assume so. And I doubt Greenland costs that much 668 00:32:22.319 --> 00:32:25.160 these days. I don't know what'd we buy Alaska for someone? 669 00:32:25.200 --> 00:32:27.640 It was crazy. We bought it from Russia for you know, 670 00:32:27.680 --> 00:32:28.400 almost nothing. 671 00:32:28.480 --> 00:32:28.640 Now. 672 00:32:28.839 --> 00:32:32.000 Granted, back then it was nothing. You couldn't drill. You 673 00:32:32.000 --> 00:32:34.680 couldn't back then, you had no idea. The value is 674 00:32:34.680 --> 00:32:35.240 what I'm saying. 675 00:32:35.279 --> 00:32:38.279 Oh yeah, oil wasn't nearly as valuable back then. But no, 676 00:32:38.559 --> 00:32:40.799 got a really good deal on Manhattan if I remember. 677 00:32:41.160 --> 00:32:44.440 Oh yeah, I'm sure Russia's spanking themselves over that one. Hey, 678 00:32:44.559 --> 00:32:47.920 Michael O'Malley, he is on a referral list. A referral 679 00:32:47.960 --> 00:32:50.599 list that Commy's one of the owners of Petrolley Roofing. 680 00:32:50.920 --> 00:32:52.240 First of all, Happy New Year. 681 00:32:52.319 --> 00:32:54.079 Yes, yes, do you want me to give you an 682 00:32:54.160 --> 00:32:55.319 update on Robin Hood? 683 00:32:55.559 --> 00:33:00.200 I don't quite yet. Okay, I don't quite yet. So 684 00:33:00.319 --> 00:33:02.160 Michael O'Malley, First of all, have you ever heard of 685 00:33:02.240 --> 00:33:07.319 Robinhood roofing? I haven't. Okay, So they told this guy, 686 00:33:07.400 --> 00:33:09.799 listen to this. This is the craziest thing I've ever heard. 687 00:33:10.000 --> 00:33:12.039 Here's the problem. I'm gonna run out of time because 688 00:33:12.079 --> 00:33:14.839 I'm a blabbermouth. But here's the deal. We've already talked 689 00:33:14.839 --> 00:33:17.119 to him. We're we're gonna go to Kelly and figure 690 00:33:17.119 --> 00:33:19.400 out what they had to say. But according to Clayton, 691 00:33:19.400 --> 00:33:21.559 the caller, here's what they told him. They came out. 692 00:33:21.599 --> 00:33:24.200 They did the roof eighteen thousand dollars. It was a 693 00:33:24.200 --> 00:33:27.319 hail claim. And he looked at it when it was done. 694 00:33:27.359 --> 00:33:29.759 Some of the shingles were kind of curved up. It 695 00:33:29.799 --> 00:33:32.200 looked old. It looked like the shinkles had either been 696 00:33:32.440 --> 00:33:34.799 sitting in the sun or sitting in the warehouse forever. 697 00:33:35.039 --> 00:33:38.319 It looked like crap. The shingles themselves on the siding 698 00:33:38.359 --> 00:33:40.920 that they were supposed to repair. All they did was 699 00:33:40.960 --> 00:33:43.440 take the siding off, put up some two by Ford's 700 00:33:43.680 --> 00:33:46.640 and didn't even paint it. But the shinkles is why 701 00:33:46.720 --> 00:33:49.240 I have you up. Hold on a second, are right, Michael? 702 00:33:49.279 --> 00:33:51.799 I am so sorry we had you up, but we're 703 00:33:51.839 --> 00:33:53.559 going to go back to that. It's crazy. 704 00:33:56.160 --> 00:33:59.400 Go with a sure thing Denver's Best roofer Excel Roofing 705 00:33:59.480 --> 00:34:02.119 dot com. You don't pay a cent until you're content. 706 00:34:05.519 --> 00:34:08.719 Time for an insurance check up free, no obligation. In comparison, 707 00:34:08.840 --> 00:34:12.400 call Compass Insurance paying too much your coverage at dozens 708 00:34:12.400 --> 00:34:15.119 of insurance companies find out now three all three seven 709 00:34:15.159 --> 00:34:17.519 to seven to one help. You'll think you're his only 710 00:34:17.599 --> 00:34:20.079 customer when you choose Frank durand the real estate Man 711 00:34:20.119 --> 00:34:23.559 dot com to list your home with Remax Alliance three 712 00:34:23.559 --> 00:34:25.679 all three nine two zero sixteen twenty two. 713 00:34:26.760 --> 00:34:32.079 Yeah, ripped. 714 00:34:33.719 --> 00:34:36.840 News need so you don't. 715 00:34:36.679 --> 00:34:36.960 Have to. 716 00:34:38.960 --> 00:34:43.960 Come runs as you can. Shooter's gonna help. 717 00:34:44.239 --> 00:34:46.960 Come man, this is. 718 00:34:47.000 --> 00:34:51.880 The Troubleshooter Show Now, Tom Martinez, welcome. 719 00:34:51.559 --> 00:34:53.480 My friends, Welcome to the only show of it'skan. We're 720 00:34:53.480 --> 00:34:57.000 here to soelve problems, answer your questions, take complaints. I've 721 00:34:57.039 --> 00:34:58.559 got a few things I want to talk about as 722 00:34:58.599 --> 00:35:02.239 the show moves on. But right now, I've got one 723 00:35:02.320 --> 00:35:04.239 of our experts up, so we're going to go to 724 00:35:04.360 --> 00:35:06.760 him in a second. But this hour is brought to 725 00:35:06.800 --> 00:35:09.599 you by Paul Doubting. We call him Paul the water Man. 726 00:35:09.639 --> 00:35:12.519 In fact, if you Google listen to this, google Paul 727 00:35:12.639 --> 00:35:16.280 the water Man podcast and you can find his podcast. 728 00:35:16.360 --> 00:35:19.079 But I was telling these guys on our YouTube channel 729 00:35:19.159 --> 00:35:22.159 during the break, my goodness, I have never met anybody 730 00:35:22.239 --> 00:35:24.639 so passionate about a cleaning water. He's got a system 731 00:35:24.760 --> 00:35:28.400 right now, and it's absolutely unbelievable. This is a whole 732 00:35:28.440 --> 00:35:34.400 house system. It removes chlorine, it removes forever chemicals, it's 733 00:35:34.480 --> 00:35:40.239 bacteria resistant, it softens the water. It's one magnificent, beautiful machine. 734 00:35:40.239 --> 00:35:43.039 As Trump would say in this Bad Boys on sale 735 00:35:43.119 --> 00:35:45.960 right now for your whole house. You knock out everything 736 00:35:46.119 --> 00:35:49.679 with one purchase, cheaper than anything I've ever seen. In fact, 737 00:35:49.719 --> 00:35:51.840 I'm a little mad at him because I bought a 738 00:35:51.920 --> 00:35:54.719 water softener from him for about the same price, although 739 00:35:54.760 --> 00:35:56.679 it still was half the price of the other guys. 740 00:35:57.079 --> 00:35:59.960 Thirty six ninety five, three thousand and six on your 741 00:36:00.239 --> 00:36:04.480 ninety five bucks. It does everything check him out. Check 742 00:36:04.559 --> 00:36:07.480 out Paul the water Man, simple as that. Check him out. 743 00:36:07.559 --> 00:36:10.199 Call him at three oh three eight six ' two 744 00:36:10.920 --> 00:36:14.400 fifty five fifty four waterpros dot net. Now I want 745 00:36:14.440 --> 00:36:17.880 to go to Michael O'Malley. I had him up before. Michael. 746 00:36:17.960 --> 00:36:20.400 I think I kind of explained the issue. But in 747 00:36:20.519 --> 00:36:23.480 a nutshell, Clayton's got a problem with Robin hood roofing. 748 00:36:24.000 --> 00:36:27.960 The shingles look old. Now I want to ask you something. 749 00:36:29.159 --> 00:36:30.840 Have you ever seen old shingles? 750 00:36:31.079 --> 00:36:31.119 What? 751 00:36:31.360 --> 00:36:33.440 What do you think? He means? He says, you look 752 00:36:33.519 --> 00:36:36.440 at him and basically they're curling up. In fact, I'm 753 00:36:36.480 --> 00:36:39.599 gonna let him speak, Clayton, they're curling up. Kind of 754 00:36:39.679 --> 00:36:41.440 describe what the shingles look like. 755 00:36:43.280 --> 00:36:47.760 It's like in an angle. It'll not splits down on 756 00:36:47.960 --> 00:36:49.639 regular like the regular roof did. 757 00:36:49.920 --> 00:36:50.760 So they're sticking up. 758 00:36:50.800 --> 00:36:53.400 When did it get installed, Oh my god, installed or 759 00:36:53.519 --> 00:36:53.679 was it. 760 00:36:55.760 --> 00:36:57.360 They were installed in July? 761 00:36:58.800 --> 00:37:01.679 Oh yeah, and there's still that way like it sometimes 762 00:37:01.719 --> 00:37:04.039 in cold weather that happens, just it takes time for 763 00:37:04.119 --> 00:37:08.000 the singles to settle down. But you know it's in July. 764 00:37:08.119 --> 00:37:10.519 If they're installed and they still haven't settled down, you've 765 00:37:10.519 --> 00:37:11.119 got a problem. 766 00:37:13.719 --> 00:37:14.519 So what what what? 767 00:37:14.880 --> 00:37:16.800 What does that mean? Though? Why would they do that? 768 00:37:17.119 --> 00:37:18.800 Is it a manufacturing defect? 769 00:37:19.599 --> 00:37:21.760 Well, and I don't know this company, and I hate 770 00:37:21.800 --> 00:37:23.960 to I hate to speak against any company. You know, 771 00:37:24.079 --> 00:37:28.199 contractors work hard, sure, but some contractors do, uh, they 772 00:37:28.320 --> 00:37:30.920 do use what's called factory seconds. 773 00:37:31.320 --> 00:37:31.400 Uh. 774 00:37:31.440 --> 00:37:34.119 They get them cheaper and they install it, which increases 775 00:37:34.159 --> 00:37:36.719 their margins. I'm not saying that's what this company did 776 00:37:36.800 --> 00:37:39.320 by any means, but you know, you can buy seconds, 777 00:37:39.400 --> 00:37:40.599 you can buy factory discuss. 778 00:37:40.639 --> 00:37:42.639 How would you tell or or you. 779 00:37:42.719 --> 00:37:46.400 Can well, sometimes you tell by the install right if 780 00:37:46.519 --> 00:37:48.719 if the shingle isn't doing what it's supposed to do, 781 00:37:49.519 --> 00:37:54.280 I definitely have specific some suspicions there. The the other 782 00:37:54.360 --> 00:37:58.360 thing is sometimes you know, contractors buy bulk orders of 783 00:37:58.960 --> 00:38:01.239 of shingles and they sit around and they just sit 784 00:38:01.320 --> 00:38:04.119 in their own warehouse. They weren't seconds, They just they 785 00:38:04.199 --> 00:38:08.320 weren't stored properly. And so I mean an asphalt shingle 786 00:38:08.480 --> 00:38:11.239 is going to take the shape of well, you've seen 787 00:38:11.239 --> 00:38:14.679 it right where it's the palette isn't stacked correctly and anything. 788 00:38:15.159 --> 00:38:17.400 The weight, yeah, exactly, I mean you could get that 789 00:38:17.519 --> 00:38:21.519 in uh paper towel. It doesn't matter if something stacked incorrectly, 790 00:38:22.199 --> 00:38:24.840 it's going to take a shape over time, and so uh, 791 00:38:25.039 --> 00:38:27.039 that could be the case. I'd love to see some 792 00:38:27.199 --> 00:38:28.440 pictures before. 793 00:38:28.239 --> 00:38:33.239 I Clayton, do you have any pictures you can send us? Yeah, yes, 794 00:38:34.119 --> 00:38:35.679 and explain that part. 795 00:38:35.880 --> 00:38:38.159 Happy to do an inspection for it too. Mark like 796 00:38:38.239 --> 00:38:40.159 to come out and that it's it's so hard to 797 00:38:40.199 --> 00:38:45.360 give uh, to give information on you know, just just 798 00:38:45.480 --> 00:38:48.400 a story. But I'd love to go out and do 799 00:38:48.480 --> 00:38:50.280 an inspection. We wouldn't do any work because I don't 800 00:38:50.280 --> 00:38:52.679 want to wark void any kind of warranty. But yeah, 801 00:38:52.960 --> 00:38:54.400 what did what did Robin Hood say? 802 00:38:54.480 --> 00:38:56.760 Did Yeah, Clayton, tell them what Robin Hood said? 803 00:38:59.559 --> 00:39:02.199 What do you said? The shingle? They give it that? 804 00:39:03.199 --> 00:39:05.280 Oh look like three d's. 805 00:39:06.440 --> 00:39:10.280 Yeah. See, that's why I can't stand these If they 806 00:39:10.400 --> 00:39:12.800 actually said that, that's the dumbest thing I've heard. 807 00:39:12.920 --> 00:39:13.119 Mark. 808 00:39:13.159 --> 00:39:15.239 What did they tell Kelly? We haven't asked her yet. 809 00:39:15.159 --> 00:39:17.840 Okay, Kelly called up. Let's hear right now, Kelly, you 810 00:39:17.960 --> 00:39:20.840 called up Robin Hood and what did they tell you? 811 00:39:23.280 --> 00:39:26.000 Just put Yeah, she's coming on, hold on, No, I'm 812 00:39:26.079 --> 00:39:27.280 dying to know what they told. 813 00:39:27.920 --> 00:39:29.599 Yeah, here's the story. 814 00:39:30.119 --> 00:39:33.079 I called, and that Dave, the. 815 00:39:33.159 --> 00:39:34.920 Gentleman that they were working with, answered. 816 00:39:35.159 --> 00:39:38.440 I identified myself, and as soon as I got you, Hi, 817 00:39:38.639 --> 00:39:42.360 my name's Kelly. I'm calling from the Tom Martino Troubleshooter Show. 818 00:39:42.679 --> 00:39:46.679 Click dial tone, So I figured, I figured maybe we 819 00:39:46.800 --> 00:39:50.039 got cut off, so I called back, of course, and 820 00:39:50.199 --> 00:39:55.039 then he called. He literally answered and then dial tone. 821 00:39:55.719 --> 00:39:59.000 So then he called the station and his number is 822 00:39:59.159 --> 00:40:03.199 on caller. I d right now, supposedly to verify I 823 00:40:03.400 --> 00:40:07.039 was actually, you know, the Tom Martino Show. And as 824 00:40:07.079 --> 00:40:10.280 soon as I answered, the phone dial tone. So then 825 00:40:10.320 --> 00:40:12.679 I called back a three sis time. So far this 826 00:40:12.800 --> 00:40:13.519 guy's hung up. 827 00:40:13.480 --> 00:40:16.800 On you, correct, And then I called him a fourth time. 828 00:40:17.679 --> 00:40:19.920 I called him a fourth time because he called us, 829 00:40:20.480 --> 00:40:23.719 so he never answered and his mailbox is full. 830 00:40:24.320 --> 00:40:27.519 Oh my god. You know, listen, no one, no one 831 00:40:27.679 --> 00:40:31.280 needs to answer the phone or to come on air 832 00:40:31.400 --> 00:40:33.800 and talk about things, but to hang up on this 833 00:40:33.960 --> 00:40:37.559 four times is absurd. And Clayton, you can't get him 834 00:40:37.559 --> 00:40:41.559 to do anything besides tell you your roof is supposed 835 00:40:41.599 --> 00:40:44.559 to look old. And just to make sure I'm not crazy, 836 00:40:44.920 --> 00:40:48.960 Michael O'Malley, have you ever heard of a assphalt shingle 837 00:40:49.280 --> 00:40:52.119 that's supposed to make your roof look old. 838 00:40:53.599 --> 00:40:57.000 No, No, that's Can you imagine saying eighteen thousand dollars 839 00:40:57.039 --> 00:40:59.519 for a product to be like? Is it Rick Jeans? 840 00:41:00.000 --> 00:41:00.320 Exactly? 841 00:41:00.480 --> 00:41:04.599 That's basically what I said. You know what, what is 842 00:41:04.679 --> 00:41:05.480 this jerk's name? 843 00:41:05.840 --> 00:41:06.360 And you know what? 844 00:41:06.519 --> 00:41:07.519 That is my opinion? 845 00:41:07.719 --> 00:41:08.079 What is it? 846 00:41:08.239 --> 00:41:08.480 Dave? 847 00:41:08.599 --> 00:41:11.119 What the hell was the guy's name, Kelly? Does anybody 848 00:41:11.199 --> 00:41:12.199 remember what she said? 849 00:41:12.719 --> 00:41:12.960 Dave? 850 00:41:13.280 --> 00:41:13.519 Dave? 851 00:41:13.920 --> 00:41:16.599 So Dave? And what phone number? You know what, let's 852 00:41:16.639 --> 00:41:19.039 blow Dave up. We've got a lot of listeners out there. 853 00:41:19.360 --> 00:41:21.519 I would like people to call up and be nice. 854 00:41:21.559 --> 00:41:24.480 That's number one. You have to be nice and you 855 00:41:24.599 --> 00:41:27.559 simply say, hey, Dave, are you the one that told 856 00:41:27.679 --> 00:41:30.199 Clayton is rufe is supposed to look old? Are you 857 00:41:30.440 --> 00:41:33.559 the one that said that? And if so, exactly what 858 00:41:33.840 --> 00:41:36.480 kind of shingle is that that is supposed to make 859 00:41:36.559 --> 00:41:39.079 your house look old? I would love for people to 860 00:41:39.159 --> 00:41:41.960 do that. Then call us up because this guy's a jerk. 861 00:41:42.280 --> 00:41:45.719 This guy's an absolute jerk in my opinion. Michael O'Malley, 862 00:41:45.840 --> 00:41:47.840 I would love for you to go out and do 863 00:41:48.039 --> 00:41:50.559 some research for us at Clayton's property. 864 00:41:51.559 --> 00:41:54.800 Absolutely, I'm sure will this is some snow if you 865 00:41:54.800 --> 00:41:57.960 don't mind. I'm not a fan of rufe and snow. 866 00:41:58.519 --> 00:41:59.920 Come on, no, I'm kidding. 867 00:42:00.519 --> 00:42:01.159 I know, I know. 868 00:42:02.639 --> 00:42:03.119 I would do it. 869 00:42:03.239 --> 00:42:06.639 But hey, Michael, hold on one second. I want you 870 00:42:06.719 --> 00:42:08.719 to hold on. Over the break, I'm gonna let Dmitri 871 00:42:08.840 --> 00:42:11.119 ask whatever he wanted, but I also want you to 872 00:42:11.159 --> 00:42:13.599 hold on because we have another call that might come 873 00:42:13.639 --> 00:42:16.159 into effect for you. Dmitri, go ahead. What were you 874 00:42:16.199 --> 00:42:16.639 going to say? 875 00:42:16.760 --> 00:42:18.719 Hey, Michael, I was wondering if you have a way 876 00:42:18.800 --> 00:42:22.360 to find out if if Robin Hood first of all, 877 00:42:22.519 --> 00:42:25.719 was a licensed roofing contractor in Clayton's jurisdiction. 878 00:42:26.719 --> 00:42:29.079 Also if he pulled a permit. 879 00:42:29.440 --> 00:42:36.400 If notches Yeah, yeah, they might be. Uh it looks 880 00:42:36.480 --> 00:42:39.159 like they're They've got a website, they've got a Facebook page, 881 00:42:39.199 --> 00:42:41.679 so it's not like they're It doesn't seem like they're 882 00:42:41.840 --> 00:42:43.679 fly by night. But it might be somebody else with 883 00:42:43.760 --> 00:42:44.719 that doesn't think. 884 00:42:44.599 --> 00:42:48.239 That's no guarantee that they're actually licensed to do the work. 885 00:42:48.400 --> 00:42:50.960 They pulled a permit, that's those are my questions. 886 00:42:51.719 --> 00:42:53.320 The first thing I would like you to do is 887 00:42:53.400 --> 00:42:55.679 pull the permit. Here's what I want to do, Clayton, 888 00:42:56.159 --> 00:42:59.320 I want you to give Kelly offline your address. We're 889 00:42:59.360 --> 00:43:01.440 gonna set you up with Michael to get him to 890 00:43:01.480 --> 00:43:03.440 come out and look at this and do an inspection. 891 00:43:03.880 --> 00:43:05.840 And he's also going to find out if they pulled 892 00:43:05.880 --> 00:43:08.639 a permit. But Michael, nothing has changed. When there's a 893 00:43:08.679 --> 00:43:11.519 permit pulled, it's usually on your front door, on your 894 00:43:11.559 --> 00:43:16.400 garage somewhere where it's posted. Sure, and there simply wasn't. 895 00:43:16.480 --> 00:43:17.840 Clayton never had one at all. 896 00:43:17.960 --> 00:43:21.800 Yeah, yeah, so I will. But you know, like and again, 897 00:43:22.199 --> 00:43:25.360 I'm maybe too generous with contractors. But the uh, it 898 00:43:25.440 --> 00:43:28.119 could be somebody else was just hijacking the name. It's 899 00:43:28.119 --> 00:43:29.199 not even the real Robin Well. 900 00:43:29.239 --> 00:43:31.199 Wait, listen, we don't know what it is. But what 901 00:43:31.360 --> 00:43:34.159 I do know, Hey, Kelly, did you call the number 902 00:43:34.199 --> 00:43:35.039 on their website? 903 00:43:35.639 --> 00:43:36.000 I did not. 904 00:43:36.199 --> 00:43:37.840 I just called the number that Clayton gave me. 905 00:43:37.960 --> 00:43:39.480 I want to see. I'm going to take a break 906 00:43:39.519 --> 00:43:41.480 hold on and then if you would hold on, Michael, 907 00:43:41.519 --> 00:43:44.320 I'd appreciate that because we might have another question for you. 908 00:43:44.639 --> 00:43:46.880 But bottom line is, let's make sure it's the same 909 00:43:47.000 --> 00:43:50.039 Robin Hood because that's a valid opinion. Michael just said, 910 00:43:50.039 --> 00:43:52.800 and I'll tell you why because in the past people 911 00:43:52.880 --> 00:43:55.719 have used Excel Roofing, one of our members on the 912 00:43:55.840 --> 00:43:59.199 referral list here in Denver, they have used Excel's name 913 00:43:59.239 --> 00:44:02.440 and it wasn't ell. They simply try to piggyback off 914 00:44:02.480 --> 00:44:05.280 the advertising. So we're going to try to actually call 915 00:44:05.639 --> 00:44:08.320 that number if it's different and find out. But if 916 00:44:08.360 --> 00:44:11.599 everything is correct from what Clayton has told is these 917 00:44:11.760 --> 00:44:16.079 clowns at Robinhood Roofing, if it's all correct, are absolute jerks. 918 00:44:16.159 --> 00:44:19.000 In my opinion, How can you tell someone with the 919 00:44:19.119 --> 00:44:23.239 straight face that ass vault shingle is made to look 920 00:44:23.280 --> 00:44:25.239 your house, make Lah look old. 921 00:44:30.480 --> 00:44:33.719 Go with a sure thing Denver's best roofer Excel Roofing 922 00:44:33.840 --> 00:44:36.480 dot com. You don't pay a cent until you're content. 923 00:44:39.840 --> 00:44:43.000 Time for an insurance check up free no obligation comparison 924 00:44:43.159 --> 00:44:46.719 call Compass Insurance. Pay too much your coverage at dozens 925 00:44:46.760 --> 00:44:49.440 of insurance companies find out now three O three seven 926 00:44:49.480 --> 00:44:51.800 to seven to one help. You'll think you're his only 927 00:44:51.920 --> 00:44:54.360 customer when you choose Frank durand the real estate Man 928 00:44:54.440 --> 00:44:57.840 dot com to list your home with Remax Alliance three 929 00:44:57.920 --> 00:44:59.920 oh three nine two zero sixteen twenty two. 930 00:45:03.840 --> 00:45:05.840 All right, three O three seven one three A two 931 00:45:05.960 --> 00:45:10.559 five five Robinhood roofs dot com, Kelly, did we figure 932 00:45:10.559 --> 00:45:19.760 out if that's the same phone number you dialed? Sometimes 933 00:45:20.480 --> 00:45:24.079 sometimes my head's going to explode. We're gonna We're just 934 00:45:24.119 --> 00:45:26.159 gonna have a meeting later. I don't know how else 935 00:45:26.239 --> 00:45:28.960 to put it. I think I'm pretty cool, right am? 936 00:45:29.000 --> 00:45:31.599 I pretty cool? You're cool? I mean, what am I 937 00:45:31.719 --> 00:45:34.239 going to say here? I'm trying to do. It's called 938 00:45:34.280 --> 00:45:37.320 a live show. Three O three seven one three A 939 00:45:37.440 --> 00:45:40.159 two five five. Uh, I'd like to know what we're 940 00:45:40.519 --> 00:45:42.480 I want to make sure it's the same exact people 941 00:45:42.719 --> 00:45:45.559 in the meantime, Sandy, what's going on with you? 942 00:45:49.039 --> 00:45:49.239 High? 943 00:45:49.480 --> 00:45:52.239 Hey, Sandy, so. 944 00:45:52.559 --> 00:45:58.840 COVID, whom do you endorse? Put some cridit guards on 945 00:45:59.039 --> 00:46:01.760 my some they took off my ruin. 946 00:46:01.840 --> 00:46:05.119 I'm sorry, pro Bid pro Bid Energy, the solar company. 947 00:46:05.840 --> 00:46:10.159 Yeah, the third company. They took off my ruined hail, 948 00:46:11.159 --> 00:46:15.159 messed up tritter guards and put new ones on. And 949 00:46:15.280 --> 00:46:19.039 the insurance company safe Go said they used to cover 950 00:46:19.199 --> 00:46:22.159 them all the time, and all of a sudden now 951 00:46:22.239 --> 00:46:24.679 they don't ever cover them. They say they can be 952 00:46:24.800 --> 00:46:29.280 reused Brett and Mark were mad. They said, no, there's 953 00:46:29.400 --> 00:46:32.800 no way we can reuse those, and they refused to pay. 954 00:46:33.480 --> 00:46:35.039 Safe refuses to pay. 955 00:46:36.320 --> 00:46:40.639 Safeg refuses to pay. How much are we talking for 956 00:46:40.760 --> 00:46:43.679 the critter guards? And why can't they be reused? If 957 00:46:43.719 --> 00:46:45.880 you look at them, I mean when you take them 958 00:46:45.960 --> 00:46:47.920 off or they destroyed. 959 00:46:47.400 --> 00:46:51.800 Or what they were destroyed, there's pictures of them bent 960 00:46:52.039 --> 00:46:53.800 up before. 961 00:46:54.199 --> 00:46:56.079 Who were you dealing with it, pro Bid? Are you 962 00:46:56.199 --> 00:46:57.960 dealing with Mark? Who were you dealing with? 963 00:46:58.760 --> 00:46:59.239 Yeah? Mark? 964 00:46:59.440 --> 00:46:59.679 Mark? 965 00:47:00.639 --> 00:47:01.880 Well here's what since that? 966 00:47:02.280 --> 00:47:06.480 That SAFEGO guy a big long email, and you're not 967 00:47:07.599 --> 00:47:08.559 he could never be. 968 00:47:08.679 --> 00:47:11.519 Reused And they're simply saying that. 969 00:47:13.360 --> 00:47:15.320 They're saying, nope, they can be reused. 970 00:47:15.639 --> 00:47:17.760 Well, I would you know what I would do, I'd 971 00:47:17.840 --> 00:47:19.599 stick it to them. And what I mean by that 972 00:47:19.800 --> 00:47:23.280 was safe Co. I would actually call up a public adjuster. 973 00:47:23.400 --> 00:47:26.440 I'd call up Matt. I wouldn't even think twice about it. 974 00:47:26.840 --> 00:47:29.440 I just dealt with SAFEC and I'm going to tell 975 00:47:29.440 --> 00:47:31.599 you something, Sandy, and I'm not kidding. There is no 976 00:47:31.760 --> 00:47:36.599 exaggeration nothing. We had some hail damage. Safeco came out 977 00:47:37.039 --> 00:47:39.679 and said, Nope, we're not going to do anything. I 978 00:47:39.840 --> 00:47:43.159 got Matt involved. I'm going to get fifty thousand dollars. 979 00:47:43.559 --> 00:47:46.000 I went from zero to fifty. Now I'm going to 980 00:47:46.079 --> 00:47:49.159 tell you something else about three years ago, or maybe 981 00:47:49.159 --> 00:47:51.639 even longer, right, Susanne, when we had our roof done 982 00:47:51.760 --> 00:47:55.880 four years they initially said no damage. This was four 983 00:47:55.960 --> 00:47:58.119 years ago. The first one I told you about was 984 00:47:58.239 --> 00:48:00.880 last year, four year years ago. Go same thing. I 985 00:48:00.960 --> 00:48:03.599 got Matt involved. I had to check for eighty five 986 00:48:03.760 --> 00:48:06.760 thousand dollars. What I would do is sick Matt on him. 987 00:48:07.000 --> 00:48:09.519 Not only will he get those critter guards paid for, 988 00:48:10.000 --> 00:48:12.960 that's my assumption. Long as long as you know, pro 989 00:48:13.119 --> 00:48:15.800 Bid is doing everything they're supposed to do. But I 990 00:48:15.880 --> 00:48:19.000 bet he finds other damage. I bet there's certain things 991 00:48:19.079 --> 00:48:22.920 around your house your insurance company owes you for that 992 00:48:23.119 --> 00:48:26.199 you haven't thought of. I'll give you an idea landscaping. 993 00:48:26.320 --> 00:48:29.480 I'll give you another idea railing, like on a wood deck. 994 00:48:29.800 --> 00:48:32.280 How about chipping on any kind of cement. I don't 995 00:48:32.280 --> 00:48:34.480 know how bad the hail was, but I'll tell you this, 996 00:48:35.000 --> 00:48:38.000 Matt will use a fine toothcomb and go around that 997 00:48:38.159 --> 00:48:41.920 house and find every single thing you should have gotten 998 00:48:42.000 --> 00:48:42.320 paid for. 999 00:48:42.559 --> 00:48:44.599 Mark, I have a lot more background in this story 1000 00:48:44.679 --> 00:48:48.360 than we just heard from Sam. Oh please on September twentieth, 1001 00:48:48.840 --> 00:48:52.639 and Tom assigned this case to me. The genesis of 1002 00:48:52.719 --> 00:48:55.239 her call was the fact was had nothing to do 1003 00:48:55.360 --> 00:48:59.599 with hail damage. She had a company called best Way 1004 00:49:00.000 --> 00:49:02.679 approximately seven years ago installed and Sandy, please correct me. 1005 00:49:03.360 --> 00:49:06.519 I'm going from no they installed. I'm going from memory, Sandy, 1006 00:49:06.599 --> 00:49:09.719 so please correct me if I'm wrong. They installed solar 1007 00:49:09.840 --> 00:49:13.239 panels on her roof. Sandy's down in southern Colorado, and 1008 00:49:13.719 --> 00:49:17.440 they installed this product that the installer calls critter Guard. 1009 00:49:17.480 --> 00:49:20.320 There is no product called critter Guard. That's just a 1010 00:49:20.440 --> 00:49:21.320 name that they use. 1011 00:49:21.400 --> 00:49:22.039 It's a steal. 1012 00:49:22.280 --> 00:49:24.719 It's like a chicken wire that they bend into shape. 1013 00:49:24.719 --> 00:49:27.800 They installed around the solar array to keep the squirrels 1014 00:49:27.840 --> 00:49:31.000 of there and other animals geta got getting in there. Now, 1015 00:49:31.079 --> 00:49:33.880 what happened in Sandy's case is squirrels got in there 1016 00:49:34.239 --> 00:49:36.920 and shoot the wiring. And if I remember this right, 1017 00:49:37.000 --> 00:49:39.440 initially they caused about six and a half thousand dollars 1018 00:49:39.519 --> 00:49:43.599 in damage the squirrels. The squirrel's dead, and subsequently Sandy 1019 00:49:43.679 --> 00:49:46.559 sent me another email saying that damage actually cost thirteen 1020 00:49:46.599 --> 00:49:50.519 thousand dollars to repair, and she asked for our assistance 1021 00:49:50.559 --> 00:49:53.840 in getting best way to pay for this damage. 1022 00:49:54.679 --> 00:49:55.800 Now I spoke with both. 1023 00:49:55.880 --> 00:49:57.800 Now, when you say best way, where do they come 1024 00:49:57.880 --> 00:49:58.159 into this. 1025 00:49:58.519 --> 00:50:02.320 They're the original installation contractor. They stild the solar panels 1026 00:50:02.400 --> 00:50:04.800 and the mesh which they call critter guards. 1027 00:50:04.840 --> 00:50:06.920 Okay, so they're not the best way that I know 1028 00:50:07.800 --> 00:50:08.400 on referral. 1029 00:50:08.559 --> 00:50:10.880 Well, in Tom's notes, I'm looking at the call from 1030 00:50:11.000 --> 00:50:12.719 last January says it. 1031 00:50:12.840 --> 00:50:14.599 Was three grand granded dammage. 1032 00:50:14.679 --> 00:50:15.079 January. 1033 00:50:15.320 --> 00:50:18.000 She called back and had a solar system installed by 1034 00:50:18.079 --> 00:50:20.639 Best Way Mechanical. She paid an extra seven fifty for 1035 00:50:20.760 --> 00:50:23.400 critter cards, but squirrels got under it and did three 1036 00:50:23.480 --> 00:50:25.639 thousand dollars in damage to the solar system. 1037 00:50:25.760 --> 00:50:27.239 That's Tom's exact notes. 1038 00:50:27.760 --> 00:50:29.039 So that was from a year ago. 1039 00:50:29.519 --> 00:50:31.559 I got involved in this case when she called us 1040 00:50:31.599 --> 00:50:35.760 again on September twentieth, and that's so that's that's the 1041 00:50:35.840 --> 00:50:37.199 story that I'm relating to you. 1042 00:50:37.760 --> 00:50:40.079 And I talked, okay, okay, go ahead, Sandy. 1043 00:50:41.719 --> 00:50:47.079 So here's here's the story up to date. Provid I 1044 00:50:47.199 --> 00:50:49.639 said I can't get the best way to come out, 1045 00:50:50.159 --> 00:50:54.880 La la la, these uh, these solar panels need to 1046 00:50:54.920 --> 00:50:55.639 be repaired. 1047 00:50:56.119 --> 00:50:57.280 The squirrels got to them. 1048 00:50:57.679 --> 00:51:01.199 So Mark Mark talk to his boss and they finally 1049 00:51:01.280 --> 00:51:05.400 came out and they did. They found that they had 1050 00:51:05.440 --> 00:51:08.840 a general contractor come out. Yep, your roof needs to 1051 00:51:08.920 --> 00:51:09.599 be redone. 1052 00:51:10.000 --> 00:51:14.840 So wait, wait, wait those airrel Yeah, they found hail damage. 1053 00:51:14.880 --> 00:51:16.760 That's related to the damage. 1054 00:51:18.000 --> 00:51:22.480 Hail damage on my roof. Okay, Mark and Brett took 1055 00:51:22.639 --> 00:51:26.320 my solar panels and critter guards off so they could 1056 00:51:26.519 --> 00:51:31.800 redo the roof. They repaired what they could, and I 1057 00:51:32.000 --> 00:51:38.119 understand that. I'm I'm I'm responsible for anything that the 1058 00:51:38.159 --> 00:51:39.880 squirrel did on those panels. 1059 00:51:41.599 --> 00:51:42.599 It's in my policy. 1060 00:51:43.079 --> 00:51:48.920 So I bought from Marandy. I'm sorry everybody, everybody involved 1061 00:51:48.960 --> 00:51:51.480 in this. Right now, I've got to understand something basic. 1062 00:51:51.920 --> 00:51:55.199 You first said they approved six thousand or three thousand. 1063 00:51:55.440 --> 00:51:57.480 Did your insurance companies say yes to that? 1064 00:51:59.559 --> 00:52:03.440 Okay, that my insurance company pay is paying for I'm 1065 00:52:03.440 --> 00:52:06.679 got to check. Yet, they're paying for the roof and 1066 00:52:06.840 --> 00:52:11.079 for the the panels to be taken off and. 1067 00:52:11.199 --> 00:52:11.760 Put back on. 1068 00:52:12.039 --> 00:52:14.639 So all they're doing is the hail claim. It has 1069 00:52:14.719 --> 00:52:16.159 nothing to do with the squirrels. 1070 00:52:16.599 --> 00:52:20.440 Correct, And I actually read Sandy's insurance policy and it 1071 00:52:20.679 --> 00:52:22.320 does exclude rodent. 1072 00:52:22.159 --> 00:52:24.719 That's fine. But if she has here, here's what I'm doing. 1073 00:52:26.079 --> 00:52:28.880 I'm just getting ready to pull my hair out here. 1074 00:52:28.920 --> 00:52:31.280 Hold on, I'm going to put her on hold. So 1075 00:52:31.519 --> 00:52:34.199 I'm just going to talk to you, Dimitri. So the 1076 00:52:34.360 --> 00:52:36.440 only thing they're going to pay is the hail claim. 1077 00:52:36.679 --> 00:52:39.800 That's correct, okay, but on her roof as solar panels, 1078 00:52:39.840 --> 00:52:42.159 and there was some kind of critter guard regardless. 1079 00:52:42.559 --> 00:52:45.599 So in addition to the to the hill claim, the 1080 00:52:45.719 --> 00:52:49.599 insurance company paid to remove the solar of course they did, 1081 00:52:49.679 --> 00:52:53.559 and they'll also paid to reinstall them. However, they decline 1082 00:52:53.840 --> 00:52:56.000 to cover the rodent damage. 1083 00:52:56.000 --> 00:52:58.719 Perfect, now hold but now hold on, Sandy? Is that 1084 00:52:59.000 --> 00:53:02.440 is that everything? They're just not paying for that part. 1085 00:53:04.280 --> 00:53:06.559 Right, And they're claiming and how I don't care. 1086 00:53:06.440 --> 00:53:10.639 What they're claiming. They're just not paying to reinstall chicken wire? 1087 00:53:10.880 --> 00:53:11.840 Is that correct. 1088 00:53:13.039 --> 00:53:15.920 As not paying for the damage the squirrels. 1089 00:53:15.519 --> 00:53:18.760 Caused the damage to the solar panels. Yes, but that's 1090 00:53:18.800 --> 00:53:20.239 in the policy, you said. 1091 00:53:20.119 --> 00:53:22.639 Yes, And Sandy said in her last email to me, 1092 00:53:23.119 --> 00:53:27.039 she said that the total damage now between the replacement 1093 00:53:27.119 --> 00:53:30.440 and repairs comes through like thirteen and a half thousand dollars. 1094 00:53:30.599 --> 00:53:32.719 I believe that's her claim. 1095 00:53:33.039 --> 00:53:39.239 Right, Sandy, I don't have the exact number. 1096 00:53:39.280 --> 00:53:40.719 I gotta take a break. I'm going to talk to 1097 00:53:40.800 --> 00:53:43.760 her offline because I've got audiences out there driving into 1098 00:53:43.840 --> 00:53:46.840 trees at this point. If I don't understand what she's saying, 1099 00:53:46.960 --> 00:53:50.719 my god, who who does? I honestly don't get it, Sandy. 1100 00:53:50.719 --> 00:53:52.280 I'm going to talk to you after I do these 1101 00:53:52.360 --> 00:53:55.079 live spots. But here's the bottom line. Here's what I 1102 00:53:55.159 --> 00:53:57.400 need to know. I mean, what are we going after? 1103 00:53:57.480 --> 00:54:00.239 Are we going after Safeco? Am I going after pro Bit? 1104 00:54:00.440 --> 00:54:02.920 Who do I call to solve this problem? If it 1105 00:54:03.039 --> 00:54:07.039 says squirrel damage isn't covered, the insurance company's not gonna 1106 00:54:07.039 --> 00:54:08.760 pay it, Dmitri, it says. 1107 00:54:08.559 --> 00:54:10.599 That, right, I read that in the policy. 1108 00:54:10.719 --> 00:54:13.280 So then why does she think that we're gonna be 1109 00:54:13.320 --> 00:54:16.480 able to get safecoat to pay for that? 1110 00:54:17.039 --> 00:54:17.760 I'm not sure. 1111 00:54:17.880 --> 00:54:20.400 I'm really frankly, I'm it would be great to get 1112 00:54:20.519 --> 00:54:23.239 Sandy to kind of encapsulate the reason for today's fall. 1113 00:54:23.320 --> 00:54:23.719 Ye do that? 1114 00:54:23.920 --> 00:54:27.599 Sandy? Please put together your thoughts on exactly why you're calling. 1115 00:54:28.000 --> 00:54:31.639 If Dmitri already read the policy and pointed out that 1116 00:54:31.800 --> 00:54:35.360 critter damage isn't covered. What is today's call for? I 1117 00:54:36.079 --> 00:54:37.360 simply don't understand. 1118 00:54:42.480 --> 00:54:45.719 Go with a sure thing Denver's best roofer Excel Roofing 1119 00:54:45.840 --> 00:54:48.440 dot com. You don't pay a cent until you're content. 1120 00:54:51.840 --> 00:54:55.000 Time for an insurance checkup free, no obligation. In comparison, 1121 00:54:55.159 --> 00:54:58.719 call Compass Insurance paying too much your coverage at dozens 1122 00:54:58.719 --> 00:55:01.760 of insurance companies out now three all three seven seven 1123 00:55:01.800 --> 00:55:04.559 to one help. You'll think you're his only customer when 1124 00:55:04.599 --> 00:55:06.880 you choose Frank durand the real estate Man dot com 1125 00:55:07.119 --> 00:55:10.199 to list your home with Remax Alliance three all three 1126 00:55:10.320 --> 00:55:12.079 nine two zero sixteen twenty two. 1127 00:55:15.440 --> 00:55:18.400 A fine three oh three seven one three eight two 1128 00:55:18.880 --> 00:55:22.199 five five. We do have one line open. By the way, 1129 00:55:22.639 --> 00:55:24.760 I want to tell you about eight eight heating dot Com. 1130 00:55:24.880 --> 00:55:29.360 These guys are absolutely a wonderful company. You have any 1131 00:55:29.519 --> 00:55:33.000 problems with that furnace right now, because we're going into 1132 00:55:33.079 --> 00:55:35.119 a cold stretch, I want you to call eight eight 1133 00:55:35.199 --> 00:55:38.280 eight heating dot com. These guys come out. They're not 1134 00:55:38.400 --> 00:55:40.480 going to try to force you into buying a new unit. 1135 00:55:40.519 --> 00:55:43.199 If you have an older unit. They literally will give 1136 00:55:43.239 --> 00:55:46.400 you options on what to fix. They'll give you all 1137 00:55:46.480 --> 00:55:48.480 the options. That's what I love about them. I've known 1138 00:55:48.639 --> 00:55:52.440 Garrett personally for ten fifteen years. I've been talking about 1139 00:55:52.519 --> 00:55:55.559 him at least that long. It's just a great company. 1140 00:55:55.760 --> 00:55:58.000 Eight eight eight Heating dot Com. You want to know 1141 00:55:58.119 --> 00:56:01.159 who to call when something breaks, just give him a call. 1142 00:56:01.280 --> 00:56:03.239 Eight eight eight Heating dot Com. And if you have 1143 00:56:03.360 --> 00:56:05.840 a bit on a furnace out there, if someone gave 1144 00:56:05.880 --> 00:56:07.760 you a bit, I bet they'll beat it. If you 1145 00:56:07.840 --> 00:56:09.880 have them out, they'll give you a free second opinion, 1146 00:56:10.280 --> 00:56:12.159 and I bet they beat it. You'll save some money. 1147 00:56:13.000 --> 00:56:15.360 Eight eight eight Heating dot Com. Now I'm going to 1148 00:56:15.440 --> 00:56:17.559 go back to Sandy and hopefully just work through this 1149 00:56:17.679 --> 00:56:20.719 real quick. She had a problem. There was no coverage, 1150 00:56:20.760 --> 00:56:23.639 but she had hail damage, Sandy, So what can we 1151 00:56:23.800 --> 00:56:26.679 do for you today? Who should I call to try 1152 00:56:26.719 --> 00:56:27.440 to get this right? 1153 00:56:29.280 --> 00:56:31.840 Okay? The issue that I had with the k Meetria 1154 00:56:32.440 --> 00:56:35.280 in the past has nothing to do with what's going 1155 00:56:35.360 --> 00:56:38.480 on today. It also has nothing to do with squirrels. 1156 00:56:39.320 --> 00:56:44.000 It's the fact that the hail repped the cridit guards 1157 00:56:44.679 --> 00:56:48.639 and so Mark and Brett put new ones on, and 1158 00:56:48.880 --> 00:56:52.760 the insurance companies claiming that they could have been reused 1159 00:56:52.960 --> 00:56:55.920 and Mark and Brett say no way, they were ruined. 1160 00:56:57.440 --> 00:57:02.559 Okay, can we get Matt from Paragon on hold? On 1161 00:57:02.679 --> 00:57:04.679 a second, I'm gonna put you on hold. Sandy, now 1162 00:57:04.719 --> 00:57:07.000 I know who to ask about this. I would assume 1163 00:57:07.400 --> 00:57:10.639 and tell me if I'm crazy, I said this to 1164 00:57:10.719 --> 00:57:13.079 her already, I would call Matt with Paragon. Did I 1165 00:57:13.280 --> 00:57:14.280 not say that? Or did I? 1166 00:57:15.199 --> 00:57:16.039 You certainly did. 1167 00:57:16.199 --> 00:57:19.400 So let's get mad on and get his first blush 1168 00:57:19.800 --> 00:57:24.039 at Sandy's situation. I don't understand when they say reused. 1169 00:57:24.079 --> 00:57:26.320 Do we ever look at any pictures of this? Dmitri? 1170 00:57:26.599 --> 00:57:29.079 Yeah, I have photos of the credit guard? If Sandy, 1171 00:57:29.159 --> 00:57:31.199 how much will it cost? How much did it cost 1172 00:57:31.280 --> 00:57:33.519 you to replace and reinstall the credit guards? 1173 00:57:36.000 --> 00:57:36.599 Twelve hundred? 1174 00:57:38.079 --> 00:57:40.360 All right, so it's an additional twelve hundred. I mean 1175 00:57:40.400 --> 00:57:43.280 that's a lot of Honestly, it's a lot of work 1176 00:57:43.320 --> 00:57:45.679 for that twelve hundred. Did you pay pro bid that money? 1177 00:57:50.000 --> 00:57:50.039 No? 1178 00:57:50.320 --> 00:57:52.239 I haven't gotten a check from the insurance, so I 1179 00:57:52.320 --> 00:57:53.159 haven't paid anything. 1180 00:57:53.760 --> 00:57:57.800 Okay, who did the actual roof? Did I understand that 1181 00:57:58.000 --> 00:58:00.480 pro bid removed the solar panels? Who the roof? 1182 00:58:01.920 --> 00:58:02.039 Oh? 1183 00:58:02.159 --> 00:58:07.639 Shoot, I can't remember. It's three it's one that mark recommended. 1184 00:58:07.760 --> 00:58:12.800 Did they get paid already? Yes, okay, so everybody's been 1185 00:58:12.840 --> 00:58:15.199 paid except for pro bid in the twelve hundred dollars 1186 00:58:15.239 --> 00:58:18.239 for the career guard. All right, I understand hold on 1187 00:58:18.400 --> 00:58:20.519 three oh three seven one, three eight two five five. 1188 00:58:22.119 --> 00:58:24.199 We're gonna we're gonna get that figured out. We're gonna 1189 00:58:24.199 --> 00:58:27.679 see if we can get mad on. Matt's a public adjuster. Basically, 1190 00:58:27.800 --> 00:58:30.280 once an insurance company says you have damage and they 1191 00:58:30.320 --> 00:58:33.360 agree to fault and they they kind of approve your claim. 1192 00:58:33.400 --> 00:58:35.639 I'm not talking about a dollar amount now, but basically 1193 00:58:35.760 --> 00:58:37.840 say yes, we're gonna go ahead and pay for it. 1194 00:58:38.039 --> 00:58:40.000 Then the next step is how much they're gonna give you. 1195 00:58:40.519 --> 00:58:43.039 If they don't give you the amount that you want. 1196 00:58:43.199 --> 00:58:45.199 In fact, I'm gonna bring doctor Joel in on this 1197 00:58:45.360 --> 00:58:48.760 real quick, Doctor Joel in a previous lifetime. In fact, 1198 00:58:48.800 --> 00:58:50.960 I don't know if you still own that company, but 1199 00:58:51.119 --> 00:58:52.639 you have done public adjusting. 1200 00:58:53.920 --> 00:58:55.840 Yeah, I still have a public adjusting license. 1201 00:58:55.920 --> 00:58:59.519 You still do, so listen to this, Sandy. Yeah, well 1202 00:58:59.559 --> 00:59:01.559 you've been listening to this call. But the bottom line 1203 00:59:01.679 --> 00:59:05.400 is the insurance company, Safego approved the roof, okay, and 1204 00:59:05.559 --> 00:59:08.199 they had solar panels, they had to remove the solar panels. 1205 00:59:08.239 --> 00:59:11.800 They paid for that. Around the solar panels. Whoever installed 1206 00:59:11.840 --> 00:59:14.800 the solar panels in the first place put up, for 1207 00:59:14.920 --> 00:59:18.280 lack of a better word, chicken wire around them so 1208 00:59:18.440 --> 00:59:20.400 the critters couldn't get up there and chew all the 1209 00:59:20.480 --> 00:59:24.920 solar panel wiring. Follow So they paid for the roof, 1210 00:59:25.159 --> 00:59:28.039 they paid for the removal of the solar panels, and 1211 00:59:28.280 --> 00:59:31.719 they paid for the solar panels being back on. They're 1212 00:59:31.800 --> 00:59:34.360 saying the company that did that could have reused the 1213 00:59:34.440 --> 00:59:37.880 same chicken wire. That company saying, there's no way. They're saying, 1214 00:59:37.960 --> 00:59:40.800 look at it, it's totally destroyed. There's nothing we're going 1215 00:59:40.880 --> 00:59:43.760 to be able to repair with this. I would say, 1216 00:59:44.039 --> 00:59:48.000 if a public adjuster got involved, I can't imagine they 1217 00:59:48.039 --> 00:59:51.719 wouldn't pay this additional twelve hundred. I mean, I've never 1218 00:59:51.800 --> 00:59:54.280 heard that. I've heard of it. With gutters, you could 1219 00:59:54.280 --> 00:59:57.599 have reused those, But anytime our public adjusters have fought 1220 00:59:57.599 --> 00:59:59.639 them pretty much, you can't reuse them. They get dented, 1221 00:59:59.679 --> 01:00:01.840 they get messed up. I mean, it's just a part 1222 01:00:01.880 --> 01:00:05.199 of doing that. So what's your first opinion on this, Well, my. 1223 01:00:05.239 --> 01:00:10.360 First opinion is that the the the rodent protectors. Is 1224 01:00:10.400 --> 01:00:11.360 that what we're going to call them the. 1225 01:00:11.360 --> 01:00:13.480 Chicken wire they call them critter guards. 1226 01:00:13.639 --> 01:00:17.360 That the critter guards when they were when that was 1227 01:00:17.440 --> 01:00:20.920 removed as part of the whole roof removal. Uh, that 1228 01:00:21.400 --> 01:00:25.480 that should be replaced if it can't be reused period. 1229 01:00:25.800 --> 01:00:28.599 Yeah. And so the insurance company is saying, no, we're 1230 01:00:28.599 --> 01:00:32.039 not going to pay it. That contractor should have reused it. 1231 01:00:33.079 --> 01:00:35.320 Well, they just need to take pictures of it and 1232 01:00:35.440 --> 01:00:36.559 send it to the insurance company. 1233 01:00:36.599 --> 01:00:39.000 And they're claiming they did, Sandy, am I correct in 1234 01:00:39.079 --> 01:00:43.079 that mark over it? They've got them, they have pictures, they. 1235 01:00:43.079 --> 01:00:45.519 Have everything, and they're saying there can they can be 1236 01:00:46.119 --> 01:00:48.599 And why is the contractor saying that they can't be reused? 1237 01:00:48.639 --> 01:00:48.840 Yeah? 1238 01:00:48.880 --> 01:00:49.360 Good question. 1239 01:00:51.480 --> 01:00:52.800 Are they just too damaged? 1240 01:00:53.079 --> 01:00:55.000 Sandy? Why what if they were damaged? 1241 01:00:55.840 --> 01:00:59.920 They were damaged by by hail? They were damaged, Sandy. 1242 01:01:00.239 --> 01:01:03.119 I can't, I can't enter into an argument that hail 1243 01:01:03.239 --> 01:01:06.079 damaged chicken wire. How did they how did hal damaged 1244 01:01:06.119 --> 01:01:06.679 chicken wire? 1245 01:01:07.920 --> 01:01:09.280 Invented vent it out? 1246 01:01:09.480 --> 01:01:12.599 Okay, fair enough, I mean if that's the case, then 1247 01:01:12.639 --> 01:01:15.079 they should cover it. They should cover it now when 1248 01:01:15.159 --> 01:01:18.360 they don't cover something like this, but they already said, yes, 1249 01:01:18.719 --> 01:01:20.039 we're going to accept the claim. 1250 01:01:20.400 --> 01:01:23.320 Your next step is what hire a public adjust. 1251 01:01:23.199 --> 01:01:29.119 Hire a public adjuster, Okay, and they get paid. Here's 1252 01:01:29.159 --> 01:01:33.360 the problem though, Doc, Look, I know you own that business, 1253 01:01:33.440 --> 01:01:35.920 but I'm going to tell everybody out there there's one 1254 01:01:36.039 --> 01:01:39.199 problem with I mean good public adjusters. There's bad ones, 1255 01:01:39.559 --> 01:01:41.960 but you're a good one. Matt's a good one. I'm 1256 01:01:42.000 --> 01:01:46.480 talking about good ones. My goodness, twelve hundred bucks. What 1257 01:01:46.599 --> 01:01:49.079 does that claim mean to you? That means what one 1258 01:01:49.159 --> 01:01:50.239 hundred and twenty dollars? 1259 01:01:50.559 --> 01:01:50.679 Right? 1260 01:01:50.840 --> 01:01:54.119 Think about that? One hundred and twenty dollars to deal 1261 01:01:54.239 --> 01:01:58.039 with an insurance company for how many hours? Think about 1262 01:01:58.079 --> 01:01:59.280 this over twelve hundred. 1263 01:01:59.079 --> 01:02:00.800 Bucks worth the time? 1264 01:02:01.320 --> 01:02:03.760 Not worth the time. You'll lose money, I would argue, 1265 01:02:03.800 --> 01:02:08.159 it's the you would literally lose money. And that's the problem. 1266 01:02:08.280 --> 01:02:10.920 That's, unfortunately why they deny a lot of even entire 1267 01:02:11.039 --> 01:02:11.559 roof clams. 1268 01:02:11.760 --> 01:02:14.280 So, Sandy, what safe Co is doing is basically just 1269 01:02:14.360 --> 01:02:16.760 putting the screws to you because they know you're not 1270 01:02:16.840 --> 01:02:19.920 going to be able to get a public adjuster unless 1271 01:02:19.960 --> 01:02:22.079 if it was simply done out of the kindness of 1272 01:02:22.119 --> 01:02:24.639 their heart. Because it's going to cost them more money 1273 01:02:24.719 --> 01:02:27.920 to actually deal with this. They generally make ten percent, 1274 01:02:28.360 --> 01:02:31.840 maybe twenty percent. But you're still talking driving out to 1275 01:02:31.920 --> 01:02:34.920 your house meeting with the adjuster. I mean you're talking 1276 01:02:35.679 --> 01:02:40.280 hours upon hours. So honestly, I think it's going to 1277 01:02:40.320 --> 01:02:42.920 come out of your pocket. I really do well. 1278 01:02:43.039 --> 01:02:46.360 She can keep asking to speak to a supervisor, keep 1279 01:02:46.440 --> 01:02:50.280 pushing the issue with them. Sometimes I got an idea. 1280 01:02:51.039 --> 01:02:54.119 I got an idea, Kelly, do me a favor. Let's 1281 01:02:54.119 --> 01:02:56.719 get Brian on with Compass Insurance, hold on Sandy. I 1282 01:02:56.800 --> 01:02:58.760 got one more. I got someone that can make a 1283 01:02:58.840 --> 01:03:02.840 direct call the claims department, the back line for insurance 1284 01:03:02.840 --> 01:03:07.000 suggestions from or to Safeco. I want to ask Brian 1285 01:03:07.079 --> 01:03:09.440 or one of those guys about it. Maybe just the 1286 01:03:09.599 --> 01:03:13.079 right person on her behalf, without having to enter into 1287 01:03:13.119 --> 01:03:16.000 an agreement, can make a call. You think that's possible. 1288 01:03:16.400 --> 01:03:18.960 I would recommend something else. I would recommend that you 1289 01:03:19.079 --> 01:03:21.840 file a complaint with the Department of Insurance at Dora. 1290 01:03:22.079 --> 01:03:24.360 We're going to talk about because then they have to respond. 1291 01:03:24.519 --> 01:03:25.920 We're going to talk about that whole one. 1292 01:03:29.800 --> 01:03:33.039 Go with a sure thing Denver's Best Roofer Excel roofing 1293 01:03:33.159 --> 01:03:35.760 dot Com. You don't pay a cent until you're content 1294 01:03:36.719 --> 01:03:42.320 than time for an insurance checkup free no obligation. In comparison, 1295 01:03:42.480 --> 01:03:46.000 call Compass Insurance paying too much your coverage at dozens 1296 01:03:46.039 --> 01:03:48.760 of insurance companies find out now three all three seven 1297 01:03:48.800 --> 01:03:51.119 to seven to one help. You'll think you're his only 1298 01:03:51.239 --> 01:03:53.639 customer when you choose Frank durand the real estate Man 1299 01:03:53.760 --> 01:03:57.159 dot com to list your home with Remax Alliance three 1300 01:03:57.199 --> 01:03:59.280 all three nine two zero sixteen twenty two. 1301 01:04:01.760 --> 01:04:04.239 All right, three O three seven one three A two 1302 01:04:04.360 --> 01:04:07.639 five five uh three oh three Martino, We're gonna be 1303 01:04:07.719 --> 01:04:09.920 diving into stuff next hour. But we've got a lot 1304 01:04:10.000 --> 01:04:14.199 going on. I got some news on Clayton and that roofing. 1305 01:04:15.000 --> 01:04:17.639 I'm sure it is that company. It is Robinhood Roofing. 1306 01:04:18.079 --> 01:04:21.679 And the website is I think, uh, what was it 1307 01:04:21.840 --> 01:04:24.440 Robinhood Roofs dot com or roof I forget, it's one 1308 01:04:24.480 --> 01:04:27.000 of the two. And then that's it. They have the 1309 01:04:27.119 --> 01:04:30.320 actual business card and let me just I want to 1310 01:04:30.400 --> 01:04:33.199 I do want to clean this up right now. Clayton. 1311 01:04:33.559 --> 01:04:37.079 On that business card, it's Robinhood Roofing. And then the 1312 01:04:37.159 --> 01:04:38.880 guy's name is Dave. Is that correct? 1313 01:04:40.159 --> 01:04:40.480 Correct? 1314 01:04:40.559 --> 01:04:42.880 And that's the phone number you gave to Kelly, right, 1315 01:04:44.840 --> 01:04:47.599 and what is what is that phone number for robin 1316 01:04:47.960 --> 01:04:56.599 Hood roofing. I'm getting it right now, Yeah, get it, 1317 01:04:57.039 --> 01:04:58.840 have her get it, because here's what I want. I 1318 01:04:58.960 --> 01:05:02.000 want our listeners to get them a call, honest to goodness, 1319 01:05:02.039 --> 01:05:04.519 I do. I want you to be nice. But these people, 1320 01:05:04.639 --> 01:05:07.880 in my opinion, got totally screwed. The roof looks old. 1321 01:05:08.000 --> 01:05:10.000 We're going to have one of our inspectors go out. 1322 01:05:10.320 --> 01:05:12.360 But Kelly tried to reach over there. A lot of 1323 01:05:12.440 --> 01:05:14.719 times callers call up and they don't know what they're 1324 01:05:14.760 --> 01:05:17.280 talking about. But according to Clayton, there was never a 1325 01:05:17.400 --> 01:05:19.880 permit pulled. There was never one on the side of 1326 01:05:19.960 --> 01:05:22.119 his house. On top of that, when they were done 1327 01:05:22.159 --> 01:05:24.719 with the roof, some of the roof was curling up 1328 01:05:24.760 --> 01:05:28.920 and it just looks old, right, Clayton correct. And then 1329 01:05:29.360 --> 01:05:32.400 here's the crazy part. When he asked about it, they said, 1330 01:05:32.480 --> 01:05:34.800 all that shingle's made to look old, and you're not 1331 01:05:34.960 --> 01:05:40.960 kidding this guy. Dave actually said that, yeah. And then 1332 01:05:41.079 --> 01:05:43.199 the siding that they had to take off to do 1333 01:05:43.360 --> 01:05:45.559 part of the roof, they only put basically a two 1334 01:05:45.639 --> 01:05:48.000 by four or two by six up and they didn't 1335 01:05:48.000 --> 01:05:50.599 even paint it, and now they won't do anything about it. 1336 01:05:50.719 --> 01:05:53.320 I just want everybody to hear it from you. Yeah 1337 01:05:53.440 --> 01:05:53.760 or nay. 1338 01:05:55.119 --> 01:05:56.760 Yeah, that's what they did. 1339 01:05:56.960 --> 01:05:59.159 And what's that phone number for these guys at Robin 1340 01:05:59.199 --> 01:06:01.719 Hood Roofing, Because I'll tell you what, Robin Hood Roofing, 1341 01:06:02.039 --> 01:06:04.840 I'm gonna start doing commercials for you all the time. 1342 01:06:05.079 --> 01:06:07.119 If you're not going to get dis handled, we're going 1343 01:06:07.159 --> 01:06:09.960 to send an expert out, so hopefully we hear from you. 1344 01:06:10.199 --> 01:06:13.159 And why you would hang up on Kelly four times? 1345 01:06:13.239 --> 01:06:15.639 I can't even imagine. She didn't even say what she 1346 01:06:15.840 --> 01:06:19.119 was calling about. Maybe they're used to it, Maybe they're 1347 01:06:19.280 --> 01:06:21.960 used to people calling up with issues. What is that 1348 01:06:22.119 --> 01:06:22.679 phone number? 1349 01:06:23.639 --> 01:06:24.559 Seven two zero. 1350 01:06:26.039 --> 01:06:30.760 Seven two zero seven zero four nine three four or five? 1351 01:06:31.920 --> 01:06:34.159 And Kelly, that is the number we called, right? 1352 01:06:34.400 --> 01:06:34.760 Correct? 1353 01:06:35.840 --> 01:06:38.880 Seven two zero seven oh four nine three four five? 1354 01:06:40.320 --> 01:06:40.719 Correct? 1355 01:06:41.119 --> 01:06:43.559 Yeah, Kelly just said correct, yep. And I'll tell you what. 1356 01:06:43.719 --> 01:06:45.599 Hold on, guys, we're going to free you up, make 1357 01:06:45.639 --> 01:06:48.400 sure we have all their information, and we're gonna get 1358 01:06:48.559 --> 01:06:52.840 him with our folks over at Petrolley Roofing. As soon 1359 01:06:52.880 --> 01:06:55.239 as the snow's gone, they're gonna get over there and 1360 01:06:55.280 --> 01:06:56.920 look at this roof. We're going to try to figure 1361 01:06:56.960 --> 01:06:59.199 out what's going on. We're gonna see if the shingles 1362 01:06:59.199 --> 01:07:02.159 are old or sad, or if the job was done lousy. 1363 01:07:02.400 --> 01:07:04.960 We're going to figure out why they sold them shingles that, 1364 01:07:05.079 --> 01:07:09.239 according to Dave over there, robin hood roofing are supposed 1365 01:07:09.320 --> 01:07:13.039 to look old. It's so weird even saying that, I mean, Dmitri, 1366 01:07:13.239 --> 01:07:15.039 is that not the dumbest thing you've ever heard? 1367 01:07:15.239 --> 01:07:15.440 Yeah? 1368 01:07:15.440 --> 01:07:17.559 You know, I've heard of decorating your house to have 1369 01:07:17.679 --> 01:07:20.480 that lived in look. Yeah, But putting on a roof 1370 01:07:20.559 --> 01:07:22.760 that looks like a used roof, yes, new to me. 1371 01:07:22.920 --> 01:07:25.559 It's like putting on a sweatshirt with a spaghetti stain 1372 01:07:25.679 --> 01:07:28.360 on it. And for these jerks to actually say it 1373 01:07:28.480 --> 01:07:31.639 is amazing. You know what, robin hood roofing. In my opinion, 1374 01:07:31.679 --> 01:07:34.480 according to all the information I have, and we tried 1375 01:07:34.519 --> 01:07:36.599 to reach out to you listen to this, not once, 1376 01:07:36.840 --> 01:07:40.400 not twice, not three times, but four times, robin hood roofing. 1377 01:07:40.599 --> 01:07:42.760 We wanted to reach out just to see what you 1378 01:07:42.840 --> 01:07:45.559 had to say about it. All you do is hang up. 1379 01:07:45.800 --> 01:07:47.960 That's all you do is hang up. It wasn't even 1380 01:07:48.039 --> 01:07:50.480 on air. We don't call people on air unless they 1381 01:07:50.559 --> 01:07:54.039 want to come on air. Once again, Robin Hood Roofing, 1382 01:07:54.400 --> 01:07:57.960 please do me a favor. Be nice. All the YouTube 1383 01:07:57.960 --> 01:08:01.079 people out there that listen, please be nice. Call up 1384 01:08:01.360 --> 01:08:03.760 say what is going on? Did you really sell a 1385 01:08:03.840 --> 01:08:07.400 shingle that's supposed to make their house look old? Is 1386 01:08:07.519 --> 01:08:11.000 that real? Or or is the caller crazy? Ask them? 1387 01:08:11.199 --> 01:08:13.320 And why won't you do anything about it? Seven to 1388 01:08:13.639 --> 01:08:18.199 zero seven zero four nine three four five seven two 1389 01:08:18.840 --> 01:08:23.319 zero seven oh four nine three four five Robin Hood Roofing, Dave. 1390 01:08:23.479 --> 01:08:26.439 That's that's right. All from the business card that's on 1391 01:08:26.560 --> 01:08:31.600 the business card. That's Clayton's holding in his hand. It's unbelievable. 1392 01:08:32.239 --> 01:08:35.880 We got Brian Burns, Brian Burns, Compass Insurance, Brian. Thanks. 1393 01:08:35.920 --> 01:08:37.399 I got in a little bit of a rant there. 1394 01:08:37.439 --> 01:08:40.119 We got this roofer. We got this Robin Hood roofer 1395 01:08:40.159 --> 01:08:43.279 out there driving me crazy. But listen, this one's driving 1396 01:08:43.359 --> 01:08:47.960 me crazy too. Sad. He's got a problem. Safeco Safego. 1397 01:08:48.119 --> 01:08:50.600 And you know how I feel about Safeco lately, because 1398 01:08:50.640 --> 01:08:53.039 I just went all through this. They came out denied 1399 01:08:53.119 --> 01:08:55.119 my claim. Now they're paying it. But I had to 1400 01:08:55.159 --> 01:08:58.319 get Matt involved. Here's the bottom line. They approved the 1401 01:08:58.439 --> 01:09:02.520 roof with the hail damage anslar panels. They approved removing 1402 01:09:02.680 --> 01:09:06.000 and replacing the solar panels. But the bottom line, and 1403 01:09:06.079 --> 01:09:07.880 I mean this, Brian, is the bottom line is. 1404 01:09:07.920 --> 01:09:10.680 There not go with a sure thing Denver's Best roofer 1405 01:09:10.840 --> 01:09:12.199 Excel Roofing dot com. 1406 01:09:12.399 --> 01:09:14.399 You don't pay a cent until you're content. 1407 01:09:17.800 --> 01:09:20.920 Time for an insurance check up free, no obligation comparison 1408 01:09:21.119 --> 01:09:24.640 call Compass Insurance paying too much your coverage at dozens 1409 01:09:24.680 --> 01:09:27.399 of insurance companies find out now three oh three seven 1410 01:09:27.520 --> 01:09:30.319 seven to one help. You'll think you're his only customer 1411 01:09:30.359 --> 01:09:32.520 when you choose Frank durand the real estate Man dot 1412 01:09:32.640 --> 01:09:35.920 com to list your home with Remax Alliance three oh 1413 01:09:36.000 --> 01:09:38.079 three nine two zero sixteen twenty two. 1414 01:09:43.239 --> 01:09:53.239 Rips so you don't have run as fast as we can. 1415 01:09:54.479 --> 01:09:56.399 Shooter's gonna help come. 1416 01:09:57.960 --> 01:09:59.960 This is the Troubleshooter Show. 1417 01:10:00.000 --> 01:10:04.560 Oh no, Tom Martinez, Welcome, Welcome to the show. 1418 01:10:04.399 --> 01:10:06.399 The only show of It's kind of here to self problems, 1419 01:10:06.399 --> 01:10:09.520 answer questions, take complaints. I guess part of the goal 1420 01:10:09.600 --> 01:10:13.000 in life is to rile me up no matter what. 1421 01:10:13.319 --> 01:10:15.840 I can't stand bad contractors and I'm getting sick and 1422 01:10:15.920 --> 01:10:18.640 tired of it. The newest one on my crap list 1423 01:10:19.000 --> 01:10:22.199 is this Robin Hood Roofing. I'm just steaming about it. 1424 01:10:22.520 --> 01:10:24.560 You know, this poor guy they call them up back 1425 01:10:24.640 --> 01:10:27.119 in July they get a new roof. The roof looks 1426 01:10:27.199 --> 01:10:29.439 like crap. Apparently when you look at it and we're 1427 01:10:29.479 --> 01:10:32.720 sending an expert out there, you know, it just looks 1428 01:10:32.840 --> 01:10:35.960 like crap. It's kind of curved up, like the shingles 1429 01:10:35.960 --> 01:10:39.439 are misformed and the whole thing looks bad. Are expert's 1430 01:10:39.479 --> 01:10:41.760 going to take pictures and report back to that soon. 1431 01:10:42.119 --> 01:10:44.760 But the bottom line is this, these guys won't even 1432 01:10:44.840 --> 01:10:47.680 talk to the consumer anymore. We tried to reach out 1433 01:10:47.760 --> 01:10:50.279 for their side of the story off air, of course, 1434 01:10:50.720 --> 01:10:54.279 four times, four different times. We tried to reach out 1435 01:10:54.600 --> 01:10:59.720 to Dave at Robin Hood Roofing, and basically, I'm finally 1436 01:10:59.760 --> 01:11:01.520 giving on their phone number out and I'll tell you why, 1437 01:11:02.239 --> 01:11:05.479 because I need them to know that people out there 1438 01:11:05.680 --> 01:11:08.479 like doing live reviews, so I would like people to 1439 01:11:08.600 --> 01:11:11.920 give them a live review based upon the information from 1440 01:11:12.000 --> 01:11:15.800 the caller. And the information is pretty wild because the 1441 01:11:15.840 --> 01:11:18.920 bottom line is when he brought up how come that's curled. 1442 01:11:18.960 --> 01:11:21.520 And this is according to the caller, how come the 1443 01:11:21.680 --> 01:11:24.359 roof looks old? You know what Dave told him? According 1444 01:11:24.399 --> 01:11:28.399 to Clayton, this part's amazing. He said, it's supposed to 1445 01:11:28.479 --> 01:11:32.479 look old. That kind of shingle's supposed to look coltro Mark, Yeah, 1446 01:11:32.600 --> 01:11:37.760 retroroofing dot com. These jerks, I mean, really unbelievable. I 1447 01:11:37.840 --> 01:11:40.199 can't believe this guy Dave would say that to one 1448 01:11:40.239 --> 01:11:42.880 of his customers at Robinhood Roofing. Dave, I want you 1449 01:11:43.000 --> 01:11:45.600 to call in, my God, just call in right now. 1450 01:11:45.680 --> 01:11:48.800 Three zho three Martino, Dave, call in, I bet by 1451 01:11:49.119 --> 01:11:51.880 added every stretch. You're listening right now. In fact, I 1452 01:11:52.000 --> 01:11:54.560 have no doubt you're listening right now. Why don't you 1453 01:11:54.800 --> 01:11:57.359 Why don't you grow a set and call up and 1454 01:11:57.479 --> 01:12:00.680 explain to him, or just explain to me. Explain to 1455 01:12:00.760 --> 01:12:04.800 me what kind of asphalt shingle you purchase that's supposed 1456 01:12:04.840 --> 01:12:08.279 to look old? I really want to know, because I 1457 01:12:08.399 --> 01:12:10.960 can't find a roof for anybody that's ever heard of it. 1458 01:12:11.520 --> 01:12:17.079 Robinhood Roofing Dave seven two zero seven oh four nine 1459 01:12:17.159 --> 01:12:19.800 three four five. It's the most absurd thing I think 1460 01:12:19.840 --> 01:12:23.039 I've heard. Well, definitely this year. I mean, really, I've 1461 01:12:23.079 --> 01:12:25.159 heard a lot of stuff. I've heard, Hey, the job 1462 01:12:25.239 --> 01:12:28.079 didn't do good. I've heard everything in the world, but 1463 01:12:28.199 --> 01:12:31.920 I have never heard anybody say once again. It's like 1464 01:12:32.359 --> 01:12:35.840 going to Macy's and buying a beautiful new sweater and 1465 01:12:35.920 --> 01:12:39.960 there's spaghetti sauce on it, and the person at macy says, oh, 1466 01:12:40.039 --> 01:12:41.880 it's supposed to have spaghetti sauce on it. 1467 01:12:41.960 --> 01:12:43.319 It's beyond the beyonds mark. 1468 01:12:43.520 --> 01:12:47.079 It's beyond the beyonds now. I got to go to 1469 01:12:47.119 --> 01:12:51.479 Brian Burns. Brian Burns, he's on a referral list Compass Insurance. Brian, 1470 01:12:51.560 --> 01:12:53.920 I got you on for of course, a totally different call. 1471 01:12:54.319 --> 01:12:57.000 But here's the bottom line. Happy New Year, sir. How 1472 01:12:57.079 --> 01:12:57.840 you been doing, man? 1473 01:12:58.399 --> 01:13:00.319 Happy New Year's you guys as well. Oh, I was 1474 01:13:00.399 --> 01:13:03.920 just hearing about this really cool designer sweater you. 1475 01:13:04.560 --> 01:13:07.239 Yeah, and the designer roof. Can you imagine you pay 1476 01:13:07.439 --> 01:13:10.359 eighteen thousand dollars for a roof and when it looks 1477 01:13:10.439 --> 01:13:12.560 like crap, they tell you, oh, it's designed to look 1478 01:13:12.640 --> 01:13:13.000 that way. 1479 01:13:13.479 --> 01:13:15.239 It's like those jeans that have a hole in that. 1480 01:13:16.760 --> 01:13:20.039 Let me tell you, Suzanne. But okay, encourage a little 1481 01:13:20.119 --> 01:13:22.960 side notes Suzanne potted a pair of Jeens years ago 1482 01:13:23.479 --> 01:13:25.840 that had holes in them. They were like one hundred 1483 01:13:25.880 --> 01:13:32.239 and fifty bucks. I almost fainted. So, but here's the deal. 1484 01:13:32.279 --> 01:13:35.640 I want to ask you something. Safeco safe Co is 1485 01:13:35.800 --> 01:13:39.319 refusing to pay for these critter guards. I think I 1486 01:13:39.479 --> 01:13:41.640 kind of explained it, but I got to recap because 1487 01:13:41.680 --> 01:13:44.760 it's a new hour. But bottom line is she had 1488 01:13:44.880 --> 01:13:48.399 roof damage. They agreed they would pay for the hail damage. 1489 01:13:48.640 --> 01:13:50.920 They agreed to pay for the solar panels to be 1490 01:13:51.079 --> 01:13:54.239 removed and replaced. There was some kind of chicken wire 1491 01:13:54.319 --> 01:13:58.079 or critter guard around the solar panels. Everything got put 1492 01:13:58.199 --> 01:14:01.640 back together. The contract said, we can't use these old 1493 01:14:02.000 --> 01:14:04.439 this old chicken wire. It's almost like a gutter that's 1494 01:14:04.479 --> 01:14:06.760 been beat up. We've got to get new ones. We're 1495 01:14:06.800 --> 01:14:10.159 only talking twelve hundred bucks, but safe Co is refusing 1496 01:14:10.239 --> 01:14:12.760 to pay for that last part of the claim. We 1497 01:14:12.920 --> 01:14:15.479 can talk about public adjusters, and we were talking to 1498 01:14:15.600 --> 01:14:19.359 doctor Joel that's also in that business. But the bottom 1499 01:14:19.439 --> 01:14:22.319 line is, for twelve hundred dollars claim, a public adjuster 1500 01:14:22.399 --> 01:14:25.279 would be crazy to get involved because it's like one 1501 01:14:25.359 --> 01:14:27.479 hundred dollars. They're going to have to go out there 1502 01:14:27.600 --> 01:14:30.760 two three times. Just no one would do that in 1503 01:14:30.840 --> 01:14:33.000 their right mind. So, Brian, what do you do in 1504 01:14:33.079 --> 01:14:35.920 a case like that? Doctor Joel said to righte Dora, 1505 01:14:36.279 --> 01:14:38.760 and they're going to have to answer the complaint. But 1506 01:14:39.000 --> 01:14:41.079 I was wondering if you could make a call on 1507 01:14:41.239 --> 01:14:44.399 her behalf to Safeco, because I know you've done that 1508 01:14:44.560 --> 01:14:46.840 for the show a bunch, and see if you can't 1509 01:14:46.880 --> 01:14:49.960 get them to pay the last twelve hundred dollars. It's 1510 01:14:50.079 --> 01:14:53.199 almost like they just they're being jerks. 1511 01:14:54.279 --> 01:14:57.000 Out of TRIOSTI just I had asked if this was 1512 01:14:57.039 --> 01:14:57.560 the case. 1513 01:14:57.560 --> 01:14:58.119 Is this our? 1514 01:14:58.399 --> 01:14:59.520 Is this a customer of Compass? 1515 01:15:00.880 --> 01:15:03.439 Sandy? Who did you get safe go through? 1516 01:15:06.800 --> 01:15:07.880 It's Trailstone? 1517 01:15:09.159 --> 01:15:09.479 Okay? 1518 01:15:09.800 --> 01:15:11.920 No, now hold on, No. Brian brought up a great 1519 01:15:12.159 --> 01:15:14.199 point there that I don't even know if he brought up. 1520 01:15:14.520 --> 01:15:17.159 So when you call up who is it Trailstone? 1521 01:15:18.640 --> 01:15:19.439 Yeah, Trailstone? 1522 01:15:19.520 --> 01:15:26.279 Why aren't they fighting for you? Should they be? Oh 1523 01:15:26.399 --> 01:15:26.880 my god? 1524 01:15:28.079 --> 01:15:30.960 Here's the point is I won't have access to it. 1525 01:15:31.119 --> 01:15:33.960 I don't mind calling them, but they won't legally be 1526 01:15:34.039 --> 01:15:37.840 able to have a conversation with me about her policy 1527 01:15:37.880 --> 01:15:40.159 unless you wants to sign something giving them permission but 1528 01:15:40.399 --> 01:15:43.359 her agent should be able to call and at least 1529 01:15:43.399 --> 01:15:46.319 get more details about what the rationale is here. What 1530 01:15:47.000 --> 01:15:47.680 is it they're saying. 1531 01:15:47.760 --> 01:15:49.800 They're saying they can know. I'll tell you what they're saying. 1532 01:15:49.840 --> 01:15:53.159 They're saying the contractors should reuse the old chicken wire. 1533 01:15:54.359 --> 01:15:56.600 But if the contractor is able to provide proof that 1534 01:15:56.760 --> 01:15:58.560 that's no longer possible. 1535 01:15:58.239 --> 01:16:01.039 They have, and they still refuse. They sent pictures, They've 1536 01:16:01.079 --> 01:16:03.640 done everything, and they still refuse. And here's what I 1537 01:16:03.720 --> 01:16:06.199 hate about this call. We're going on a year without 1538 01:16:06.239 --> 01:16:08.359 getting this handled. I just want to get it handled. 1539 01:16:08.560 --> 01:16:11.319 But Brian, let me revisit with Sandy real quick. Sandy, 1540 01:16:12.119 --> 01:16:15.039 when you call up Timberline or whoever you what's the 1541 01:16:15.159 --> 01:16:19.159 name of it again, your insurance people, Trailstone, Trailstone. Have 1542 01:16:19.319 --> 01:16:22.439 you told them, hey, you help me get paid or anything? 1543 01:16:24.119 --> 01:16:24.159 No? 1544 01:16:24.359 --> 01:16:27.960 I just didn't know that that was a route. 1545 01:16:28.560 --> 01:16:32.600 Well, my god, why okay? Why do you use Trailstone. 1546 01:16:34.760 --> 01:16:39.199 So they could find me a good insurance policy? 1547 01:16:39.279 --> 01:16:41.640 Yeah, I'm gonna well, now hold on, Sandy, I'm gonna 1548 01:16:41.680 --> 01:16:44.920 ask you, Brian, honest to god, how many times do 1549 01:16:45.079 --> 01:16:48.760 you help your clients with Safeco or the other thirty 1550 01:16:48.840 --> 01:16:50.520 plus companies you guys represent. 1551 01:16:51.760 --> 01:16:54.000 Yeah, no, we get involved all the time with claims. 1552 01:16:54.319 --> 01:16:56.640 It's not that we have decision making power, but we 1553 01:16:56.720 --> 01:16:59.760 can put pressure on or at least understand what's going 1554 01:16:59.800 --> 01:17:02.399 on and be able to have some kind of rational conversation. 1555 01:17:03.359 --> 01:17:06.720 So, Sandy, I mean your people, maybe maybe it's not 1556 01:17:06.880 --> 01:17:09.680 Trailstone's issue because you've never even called Is that what 1557 01:17:09.760 --> 01:17:14.800 you're saying, Yeah, I haven't. Oh my god. Okay, here's 1558 01:17:14.840 --> 01:17:16.640 what I want you to do before anything. Here's the 1559 01:17:16.760 --> 01:17:19.159 three steps I want to take. Number One, you're going 1560 01:17:19.199 --> 01:17:21.720 to call it Trailstone. Talk to your your agent and 1561 01:17:21.800 --> 01:17:24.560 say here, this is what's going on, and honestly, the 1562 01:17:24.600 --> 01:17:26.640 way you explained it to me, they're not going to 1563 01:17:26.760 --> 01:17:29.199 understand a damn thing. You tell them, just like this, 1564 01:17:29.640 --> 01:17:32.239 I have this claim number here. They did the roof, 1565 01:17:32.319 --> 01:17:35.319 they did the solar panels back on. They're refusing to 1566 01:17:35.439 --> 01:17:39.000 pay the contractor for the critter guard. The contractor says 1567 01:17:39.119 --> 01:17:41.880 you cannot reuse it. Here's the pictures of it. Just 1568 01:17:42.000 --> 01:17:45.199 keep it that simple, don't get into anything else whatsoever, 1569 01:17:45.560 --> 01:17:47.680 and tell them I need your help and see what 1570 01:17:47.840 --> 01:17:50.720 they can do if they can't pull it off. Step 1571 01:17:50.840 --> 01:17:53.520 Number two is, honestly, I want you to switch over 1572 01:17:53.560 --> 01:17:56.239 to Brian and he'll probably pull it off with Safego. 1573 01:17:56.319 --> 01:17:58.199 I hate to put you on the spot, Brian, but 1574 01:17:58.359 --> 01:18:01.159 twelve hundred dollars on an eighteen hundred dollar claim and 1575 01:18:01.239 --> 01:18:03.800 they have pictures and everything. I think they're just being 1576 01:18:04.119 --> 01:18:06.920 they're just playing hardball. They know they should be paying this. 1577 01:18:07.800 --> 01:18:10.319 I don't even understand the argument, and I can honestly 1578 01:18:10.439 --> 01:18:13.479 say that because Safego tried to screw me last year, 1579 01:18:13.760 --> 01:18:15.520 so I don't mind saying it whatsoever. 1580 01:18:15.880 --> 01:18:16.039 Now. 1581 01:18:16.520 --> 01:18:19.359 The third would be exactly what doctor Joel says. You 1582 01:18:19.479 --> 01:18:21.600 write to Dora and say I can't even get a 1583 01:18:21.680 --> 01:18:25.319 response for this people, Doctor Joel charedact please explain that 1584 01:18:25.439 --> 01:18:26.079 one more time. 1585 01:18:27.199 --> 01:18:31.720 The Department of Insurance is regulated by Dora. Yep, so 1586 01:18:31.760 --> 01:18:34.199 I'm not sure exactly. You have to navigate through the 1587 01:18:35.199 --> 01:18:38.760 DORAS website to find how you complain against the complaint 1588 01:18:38.800 --> 01:18:41.119 to the Department of Insurance. Well, Brian might actually know, 1589 01:18:41.199 --> 01:18:43.239 but yeah, he probably does. But all you do is 1590 01:18:43.319 --> 01:18:46.199 you file that complaint, explain what's going on in detail, 1591 01:18:46.359 --> 01:18:49.079 and they're forced and they have to have somebody responding. 1592 01:18:49.159 --> 01:18:52.199 Oftentimes the person that does respond is a supervisor or 1593 01:18:52.279 --> 01:18:53.800 somebody higher up because they don't want to get in 1594 01:18:53.840 --> 01:18:56.159 trouble with Dora, And a lot of times if the 1595 01:18:56.199 --> 01:18:58.119 claim is legitimate, they'll pay it at that point. 1596 01:18:58.359 --> 01:19:01.000 So listen, this is exactly what I do. Try to 1597 01:19:01.079 --> 01:19:03.359 go through your agent first, Sandy. I figured you already 1598 01:19:03.399 --> 01:19:05.319 did that. I mean, I really did. I don't know 1599 01:19:05.399 --> 01:19:08.319 why we have missed that for over a year's period 1600 01:19:08.439 --> 01:19:09.960 dealing with this, So I want you to do that 1601 01:19:10.079 --> 01:19:12.560 soon as we hang up. And then basically I want 1602 01:19:12.600 --> 01:19:15.000 you to file that complaint with Dora if they can't, 1603 01:19:15.239 --> 01:19:17.720 if your insurance agent give them a few days doesn't 1604 01:19:17.760 --> 01:19:20.880 do anything, and then after that then we can go 1605 01:19:21.239 --> 01:19:23.760 to the route of switching and going to Brian Burns's 1606 01:19:23.800 --> 01:19:27.800 Encompass Insurance, who I have personally used for ten fifteen years. 1607 01:19:28.000 --> 01:19:30.640 When's the last time how long have you had Safego? 1608 01:19:34.079 --> 01:19:34.279 Oh? 1609 01:19:34.600 --> 01:19:35.600 I don't know a long time. 1610 01:19:35.880 --> 01:19:37.720 When's the last time I want to ask you this 1611 01:19:37.880 --> 01:19:40.960 for everybody else out listening, when's the last time someone 1612 01:19:41.039 --> 01:19:44.680 at Trailstone reached out to you and said, Hey, I 1613 01:19:44.920 --> 01:19:49.479 found a cheaper coverage or better coverage through a different 1614 01:19:49.600 --> 01:19:50.880 company instead of Safego. 1615 01:19:54.000 --> 01:19:56.880 They're in touch with me every year. Okay, I'm finding 1616 01:19:56.960 --> 01:19:57.319 the best. 1617 01:20:00.039 --> 01:20:02.399 Very glad to hear that, because a lot of agents 1618 01:20:02.479 --> 01:20:05.199 don't and the people Accompass do that for me every 1619 01:20:05.239 --> 01:20:07.840 year for all mine. So are we on the same page? 1620 01:20:08.079 --> 01:20:10.000 And then I want you to get back with Deputy 1621 01:20:10.079 --> 01:20:13.279 Dimitri and hopefully we put a close to this because 1622 01:20:13.560 --> 01:20:15.880 the twelve hundred bucks is twelve hundred bucks. We need 1623 01:20:15.960 --> 01:20:18.560 to get this handled. I believe you're one hundred percent 1624 01:20:18.640 --> 01:20:21.239 in the right, Brian. Would you agree If everything she's 1625 01:20:21.279 --> 01:20:23.680 say in is gospel, this should be a no brainer 1626 01:20:23.760 --> 01:20:24.680 and they should be paying it. 1627 01:20:25.800 --> 01:20:28.520 I do agree, And I will tell you one other alternative, 1628 01:20:29.680 --> 01:20:34.600 you know, please or instead of would be the appraisal process. 1629 01:20:35.119 --> 01:20:37.439 Oh there, you know you can always go through the 1630 01:20:37.479 --> 01:20:40.439 appraisal process where you are sending it to a umpire 1631 01:20:40.479 --> 01:20:42.199 who will ultimately make a decision. 1632 01:20:42.239 --> 01:20:42.920 And that's what I did. 1633 01:20:43.039 --> 01:20:45.560 It's a pretty common sense saying you're you're gonna get 1634 01:20:45.560 --> 01:20:46.199 it on your side. 1635 01:20:46.279 --> 01:20:48.680 Yeah, but once again we're talking twelve hundred bucks. How 1636 01:20:48.760 --> 01:20:50.199 much does that cost a consumer? 1637 01:20:51.279 --> 01:20:53.159 Very little, because you all you have to do is 1638 01:20:53.239 --> 01:20:55.960 you pay for your professional but in this case, it's 1639 01:20:56.000 --> 01:20:59.159 for rufer. Yeah, and then and then the umpire you 1640 01:20:59.239 --> 01:21:01.520 split the cost, which is pretty cheap, and then they 1641 01:21:01.600 --> 01:21:02.000 decide it. 1642 01:21:02.279 --> 01:21:02.479 Yeah. 1643 01:21:03.039 --> 01:21:06.720 I just went through that with Safeco. Literally, yeah. Whatever, 1644 01:21:06.760 --> 01:21:09.319 I'm not gonna dive into that. Hey, I appreciate it. 1645 01:21:09.560 --> 01:21:12.840 That's Brian Burns Compass Insurance. By the way, just call 1646 01:21:12.960 --> 01:21:15.880 these guys up. If you haven't shopped insurance. I don't care. 1647 01:21:15.880 --> 01:21:18.840 If you have all state State Farms, Safego, Progressive, I 1648 01:21:18.880 --> 01:21:22.560 don't care. If it's a corporate policy like garage keepers 1649 01:21:22.600 --> 01:21:24.399 for a shop, I don't care what it is. The 1650 01:21:24.479 --> 01:21:26.960 bottom line is these guys do the best for insurance, 1651 01:21:27.159 --> 01:21:29.720 and if you have the best already, they're gonna tell 1652 01:21:29.760 --> 01:21:33.079 you they're honest people. Check them out at compassinsurance dot com. 1653 01:21:33.399 --> 01:21:37.199 Let's free up Sandy. Monica's got a problem with a neighbor. Joshua, 1654 01:21:37.319 --> 01:21:39.279 you're gonna be up next. You've been holding the longest. 1655 01:21:39.520 --> 01:21:41.840 And then Jen's got an issue with his septic tank. 1656 01:21:42.159 --> 01:21:44.680 All that and a lot more coming right up. 1657 01:21:49.600 --> 01:21:52.840 Go with a sure thing Denver's best roofer Excel roofing 1658 01:21:52.960 --> 01:21:55.600 dot com. You don't pay a cent until you're content. 1659 01:21:59.000 --> 01:22:02.119 Time for an insurance check cup free no obligation. In comparison, 1660 01:22:02.319 --> 01:22:05.840 call Compass Insurance pain too much your coverage at dozens 1661 01:22:05.880 --> 01:22:08.600 of insurance companies find out Now three O three seven 1662 01:22:08.600 --> 01:22:10.920 to seven to one help. You'll think you're his only 1663 01:22:11.079 --> 01:22:13.479 customer when you choose Frank durand the real estate man 1664 01:22:13.560 --> 01:22:16.960 dot com to list your home with Remax Alliance three 1665 01:22:17.039 --> 01:22:19.279 oh three nine two zero sixteen twenty two. 1666 01:22:26.680 --> 01:22:31.199 Genesis Total Exteriors. Mark Simanski's the owner. I'm gonna tell 1667 01:22:31.199 --> 01:22:33.439 you something about him. He had his painter come out. 1668 01:22:33.479 --> 01:22:36.560 As painter's been with him like twenty years. He hates 1669 01:22:36.600 --> 01:22:38.359 when I do this because they do everything. They do 1670 01:22:38.520 --> 01:22:40.880 siding and windows, he does, roofs, they do a lot 1671 01:22:40.920 --> 01:22:44.039 of stuff, anything exterior he does. In fact, his stucco 1672 01:22:44.159 --> 01:22:48.319 business is absolutely off the charts. His stucco pricing is great. 1673 01:22:48.479 --> 01:22:51.760 They can even go over whatever you currently have on 1674 01:22:51.880 --> 01:22:53.560 for the most part and make your house with brand 1675 01:22:53.600 --> 01:22:56.000 new at a very reasonable price. They can help with 1676 01:22:56.119 --> 01:22:58.800 insurance companies. But his painter, let me get back to that. 1677 01:22:58.960 --> 01:23:02.239 My goodness, they painted our house the exterior five years ago. 1678 01:23:02.279 --> 01:23:05.159 That thing still looks like they painted it yesterday. They 1679 01:23:05.279 --> 01:23:08.239 helped with They helped Suzanne with the colors. It's just 1680 01:23:08.319 --> 01:23:11.319 the best paint job. The pricing was great. If you 1681 01:23:11.399 --> 01:23:14.319 need that house painted, you need anything with the exterior, 1682 01:23:14.640 --> 01:23:19.479 I want you to check out genesistotalexteriors dot com, genesistotal 1683 01:23:19.560 --> 01:23:22.319 Exteriors dot com or just google it marks the owner 1684 01:23:22.399 --> 01:23:25.399 Great guys now three oh three seven one three A 1685 01:23:25.520 --> 01:23:29.439 two five five. I have one line open. Joshuasben Holding 1686 01:23:29.520 --> 01:23:32.800 forever Joshua. First of all, I really do appreciate you holding. 1687 01:23:33.000 --> 01:23:35.159 You've got props to a contractor. Who is it? 1688 01:23:37.079 --> 01:23:40.359 Yeah, it is a pino from a company called Pursuit 1689 01:23:40.399 --> 01:23:41.000 of Excellence. 1690 01:23:41.439 --> 01:23:43.439 Pursuit of Excellence and what do they do? 1691 01:23:45.560 --> 01:23:47.680 Yeah, So he started out as a framer and then 1692 01:23:47.720 --> 01:23:50.159 in the Southeast built show decks and he's a framer 1693 01:23:50.239 --> 01:23:53.039 up here in Colorado Springs and he is breaking into 1694 01:23:53.079 --> 01:23:58.239 the general contracting world. We had a dishwasher flood and 1695 01:23:58.479 --> 01:24:01.399 completely flutter house, so we decided I had to completely. 1696 01:24:00.960 --> 01:24:01.680 Gut the house. 1697 01:24:01.880 --> 01:24:03.199 And he did everything. 1698 01:24:03.319 --> 01:24:05.039 He did new. 1699 01:24:04.960 --> 01:24:09.359 Floors, new stairs, built hims, Wayne Scotting. 1700 01:24:09.600 --> 01:24:11.239 Wow, and he just did a great job. 1701 01:24:11.359 --> 01:24:11.520 Huh. 1702 01:24:13.479 --> 01:24:16.439 Yeah, you know what I want you to do? Do 1703 01:24:16.640 --> 01:24:20.439 me a favor. I leave your info with Kelly, and 1704 01:24:20.640 --> 01:24:25.760 I'm gonna have Daphne contact him about referral list. All right, 1705 01:24:25.920 --> 01:24:28.600 So I appreciate you telling him that, but I mean 1706 01:24:29.000 --> 01:24:31.920 he's licensed, and I know you had a good deal 1707 01:24:32.000 --> 01:24:34.560 with him, But I mean, is there any bad reviews 1708 01:24:34.640 --> 01:24:36.319 on him? I mean, how's he look online? 1709 01:24:38.000 --> 01:24:39.079 He looked great online. 1710 01:24:39.119 --> 01:24:41.359 He just built a new website and half my house 1711 01:24:41.479 --> 01:24:44.279 is actually on it. Because he used to be a 1712 01:24:44.439 --> 01:24:47.479 framer for somebody that was on your referral list. Oh, 1713 01:24:47.680 --> 01:24:50.239 that individual moved to Florida, so he broke in. Who 1714 01:24:50.359 --> 01:24:54.239 was general contracting folks rob from Affordable Views. 1715 01:24:54.640 --> 01:24:58.399 Oh okay, that's going back away, all right, Hold tight, man, 1716 01:24:58.520 --> 01:25:04.159 give that information. Kelly. Just email me that information and 1717 01:25:04.439 --> 01:25:06.479 we'll see how it works out. You know, on referral 1718 01:25:06.520 --> 01:25:10.319 list dot Com, we do criminal background checks. We have 1719 01:25:10.439 --> 01:25:13.399 them sign our code of ethics. Doctor Joel, you're on there. 1720 01:25:13.479 --> 01:25:15.720 You know that we've done all that. That's why referral 1721 01:25:15.720 --> 01:25:18.079 list dot Com. Not only is it the original list, 1722 01:25:18.159 --> 01:25:20.520 but it's the best. I'm gonna go with Monica next, 1723 01:25:20.560 --> 01:25:22.279 because you've been holding the longest. But I got to 1724 01:25:22.319 --> 01:25:25.039 talk to doctor Joel. I told everybody if you missed it, 1725 01:25:25.159 --> 01:25:27.239 By the way, go to YouTube dot com type in 1726 01:25:27.279 --> 01:25:30.279 Troubleshooter Network. You can hear and see us during the breaks. 1727 01:25:30.359 --> 01:25:32.039 It's a great way to watch and listen to the 1728 01:25:32.119 --> 01:25:34.800 show a little more participation. It's kind of cool. But 1729 01:25:34.960 --> 01:25:38.840 doc I got on. Try Zeppis. I told you, I'm 1730 01:25:38.840 --> 01:25:40.520 going to struggle with that for the rest of my life. 1731 01:25:40.760 --> 01:25:43.920 Try zeppetide urszepetide urszepetite. 1732 01:25:44.000 --> 01:25:44.359 There you go. 1733 01:25:44.560 --> 01:25:48.239 Last Wednesday, my wife's sitting next to me. She'll tell 1734 01:25:48.239 --> 01:25:51.560 you I've literally dropped twelve pounds in six days. We've 1735 01:25:51.640 --> 01:25:54.760 kind of talked about this. It's an incredible drug for 1736 01:25:54.840 --> 01:25:57.159 the main reason and for everybody out there. Basically, I 1737 01:25:57.199 --> 01:26:00.319 started around two hundred and twenty five. Last Wednesday, I 1738 01:26:00.439 --> 01:26:04.479 weighed myself that day. Now I'm down under two fifteen, 1739 01:26:05.239 --> 01:26:07.600 and the bottom line is it's about twelve and a 1740 01:26:07.640 --> 01:26:09.880 half thirteen pounds in six days. 1741 01:26:09.920 --> 01:26:10.039 Now. 1742 01:26:10.079 --> 01:26:11.479 A lot of people are going to say that's water 1743 01:26:11.560 --> 01:26:14.159 weight or whatever. But one of the things I have 1744 01:26:14.279 --> 01:26:17.479 always done is I usually don't eat breakfast and stuff, 1745 01:26:18.079 --> 01:26:21.000 but I'm always hungry. I'm constantly thinking of food. In fact, 1746 01:26:21.920 --> 01:26:24.600 Dragon told me that one time Dragon lost a ton 1747 01:26:24.680 --> 01:26:27.039 of eight years ago, and he's kept it off, but 1748 01:26:27.119 --> 01:26:29.239 he thinks about food a lot, just like all of us. 1749 01:26:29.479 --> 01:26:32.039 I don't think about that candy bar. That's really what 1750 01:26:32.199 --> 01:26:34.840 this drug does, doesn't it. It literally makes you not 1751 01:26:35.000 --> 01:26:37.520 think of food somehow. And then the other thing it does, 1752 01:26:37.880 --> 01:26:40.720 it makes me feel full even after I eat. Like 1753 01:26:40.920 --> 01:26:44.800 last night, I had what was that, maybe a quarter 1754 01:26:44.920 --> 01:26:45.760 pound of chicken. 1755 01:26:45.840 --> 01:26:47.439 Yeah, a little bit of chicken is all you had? 1756 01:26:47.560 --> 01:26:50.439 The night before that, you had two little sliders. 1757 01:26:50.560 --> 01:26:53.399 Yeah, two sliders, no bunter or anything, just the actual meat. 1758 01:26:53.479 --> 01:26:57.000 But think about that, and I feel full afterwards. Unlike 1759 01:26:57.119 --> 01:26:59.640 any other diet. I've ever done a crash diet where 1760 01:26:59.640 --> 01:27:01.880 I'm doing no carbs for a month and I can 1761 01:27:02.000 --> 01:27:04.960 drop weight pretty quick. But I wanted to try this. Generally, 1762 01:27:05.079 --> 01:27:08.000 when I'm on a diet, all I'm thinking about is food. 1763 01:27:08.399 --> 01:27:11.840 The difference between any diet I have ever done, whether 1764 01:27:11.920 --> 01:27:14.640 it's no carb. I had a diet years ago, she 1765 01:27:14.800 --> 01:27:16.319 laughs about, go ahead. 1766 01:27:16.079 --> 01:27:16.479 What was it? 1767 01:27:16.760 --> 01:27:17.920 Yeah, your banana and beer? 1768 01:27:18.399 --> 01:27:19.000 All I had. 1769 01:27:19.239 --> 01:27:19.520 Diet. 1770 01:27:19.720 --> 01:27:22.760 All I had was one michelobe each day, one michelob 1771 01:27:22.920 --> 01:27:26.199 ultra in bananas, and I dropped twenty pounds in a month. 1772 01:27:26.279 --> 01:27:29.239 I mean, you know why, because there's no calorie intake. 1773 01:27:29.640 --> 01:27:32.319 But here's the bottom line. I can't believe I just 1774 01:27:32.439 --> 01:27:35.000 admitted to my homemade diet of bananas and beer. 1775 01:27:35.479 --> 01:27:36.479 It's gonna go viral. 1776 01:27:36.600 --> 01:27:39.159 Mark God, it worked too. It was crazy. I'm not 1777 01:27:39.279 --> 01:27:42.720 suggesting that for people out there. That was many years ago. 1778 01:27:43.600 --> 01:27:47.920 So anyhow, DOC the difference between anything else, I don't 1779 01:27:48.199 --> 01:27:51.520 think of food. It's remarkable, yep. 1780 01:27:51.800 --> 01:27:55.600 And that's what most patients experience. It's because your body 1781 01:27:55.680 --> 01:27:58.720 is literally being told that you have enough, that you're 1782 01:27:58.760 --> 01:28:00.439 fool and that you don't eat to eat anymore. You 1783 01:28:00.479 --> 01:28:04.640 don't think about food. People that have food cravings that 1784 01:28:04.840 --> 01:28:08.119 you know, you've heard the term angry. Yeah, it really 1785 01:28:08.720 --> 01:28:13.079 it helps with that. It cures hanger and you know, 1786 01:28:13.159 --> 01:28:18.279 it's been shown. I'm looking at some statistics here. Thirty 1787 01:28:18.319 --> 01:28:20.920 three percent of people lost more than twenty percent of 1788 01:28:20.960 --> 01:28:21.680 their body weight. 1789 01:28:21.840 --> 01:28:25.199 That's incredible. Yeah, and these kind of drugs through you 1790 01:28:25.399 --> 01:28:27.800 guys at Denver Region. I mean, I know what I pay, 1791 01:28:28.279 --> 01:28:30.760 and I have the I'm not even gonna say it anymore, 1792 01:28:31.560 --> 01:28:33.920 but basically, these these kind of plans start at what 1793 01:28:34.079 --> 01:28:35.079 three ninety five. 1794 01:28:35.560 --> 01:28:39.199 For terms zeppotide we're four seventy five for the other one, 1795 01:28:39.359 --> 01:28:42.880 so magnetize, and that's generally what people use. The same 1796 01:28:42.960 --> 01:28:44.479 drug that's in ozempic's sozepic. 1797 01:28:44.560 --> 01:28:46.119 And how much does that start at, So. 1798 01:28:46.199 --> 01:28:48.880 We're two ninety five for that. That's what most of 1799 01:28:48.920 --> 01:28:51.720 our patients start with. Ye uh, And most of our 1800 01:28:51.760 --> 01:28:54.800 patients are fine with that. If they're not, then oftentimes 1801 01:28:54.840 --> 01:28:56.439 we'll move them up to terms epetite, which is a 1802 01:28:56.479 --> 01:28:59.600 stronger medication. You started with that, which may be a 1803 01:28:59.640 --> 01:29:01.880 reason why you've had such dramatic weight losses. 1804 01:29:02.119 --> 01:29:05.359 It's absolutely unbelievable. And here's how it works, you guys. 1805 01:29:05.760 --> 01:29:08.479 One of your MD's called me up and basically we 1806 01:29:08.640 --> 01:29:11.199 talk on the phone. I fill out a questionnaire and 1807 01:29:11.359 --> 01:29:14.960 basically get the prescription. Next thing I know, the next day, 1808 01:29:15.920 --> 01:29:19.479 FedEx shows up and the meds come. They're like refrigerated, 1809 01:29:19.560 --> 01:29:22.119 They come with the needles, they come with everything you 1810 01:29:22.279 --> 01:29:25.239 need and a full video instruction and there's nothing to it. 1811 01:29:25.520 --> 01:29:28.199 I was a little afraid. I've never given myself a shot. 1812 01:29:28.560 --> 01:29:31.279 I can't even it's not like a flu shot. I 1813 01:29:31.319 --> 01:29:34.159 don't even feel it. Basically, you put the needle in 1814 01:29:34.399 --> 01:29:36.439 just like you see on TV, you pull it up 1815 01:29:36.520 --> 01:29:39.319 to whatever the setting is, five to eight, whatever it is, 1816 01:29:39.720 --> 01:29:42.239 and then you just find a little fat on your belly, 1817 01:29:42.319 --> 01:29:44.399 next to your belly button, and you just put the 1818 01:29:44.479 --> 01:29:45.479 needle in and you put it in. 1819 01:29:45.640 --> 01:29:45.880 That's it. 1820 01:29:45.960 --> 01:29:46.960 There's nothing else to do it. 1821 01:29:47.000 --> 01:29:48.199 It's like a mosquito bite. 1822 01:29:48.920 --> 01:29:51.199 I don't even think it's like a mosquito bite, honestly. 1823 01:29:51.279 --> 01:29:52.199 I mean it's like nothing. 1824 01:29:52.479 --> 01:29:54.560 No, it's like a lot of people don't feel it. 1825 01:29:54.840 --> 01:29:58.520 I had no irritation. I had nothing. You know, I'm 1826 01:29:58.560 --> 01:30:01.199 big on reading side effects and the side effects, maybe 1827 01:30:01.199 --> 01:30:03.079 a little irritation next to it. I had nothing. 1828 01:30:03.359 --> 01:30:03.520 Yeah. 1829 01:30:03.560 --> 01:30:04.720 Yeah, I couldn't even tell I did. 1830 01:30:04.720 --> 01:30:06.560 It's just an insulin. You know, it's really small. 1831 01:30:06.840 --> 01:30:09.359 It's so tiny, the needle is so tiny. You just 1832 01:30:09.439 --> 01:30:11.159 don't feel it. I don't want people to think, oh, 1833 01:30:11.199 --> 01:30:13.279 you're trying to find a vein and you're doing It's 1834 01:30:13.439 --> 01:30:14.079 nothing like that. 1835 01:30:14.680 --> 01:30:15.399 No, not at all. 1836 01:30:15.520 --> 01:30:18.720 It's a remarkable drug. Anybody out there. And who asked 1837 01:30:18.760 --> 01:30:21.720 this last time? Was it you, Dimitri? That last fifty pounds? 1838 01:30:22.039 --> 01:30:24.479 Yeah, I was actually asking you about the last twenty pounds. 1839 01:30:24.880 --> 01:30:25.039 You know. 1840 01:30:25.159 --> 01:30:28.960 The first, however much I lost, was really easy and 1841 01:30:29.079 --> 01:30:31.760 I'm not on that medication that you guys are just disgusting. 1842 01:30:32.039 --> 01:30:34.800 But it's the really it's the most stubborn fat that's 1843 01:30:34.880 --> 01:30:37.960 around the belt line. And then it's also the most dangerous, 1844 01:30:38.000 --> 01:30:40.720 isn't it, Because it's called visceral or man right, and 1845 01:30:41.159 --> 01:30:43.680 it it's somehow harmful to my internal organ well. 1846 01:30:43.680 --> 01:30:47.119 Visceral fat. Higher visceral fat percentage is associated with an 1847 01:30:47.119 --> 01:30:50.680 increased mortality. There's just a correlation, and that's bad, right, Yes, 1848 01:30:52.239 --> 01:30:54.920 being dead is not good. But what I would want 1849 01:30:54.960 --> 01:30:57.159 to mention is that in our clinic, we have a 1850 01:30:57.439 --> 01:30:59.880 lot of our patients who come to us with that 1851 01:31:00.199 --> 01:31:02.079 very problem. They can't get rid of the. 1852 01:31:02.199 --> 01:31:04.640 Last you know, they plateau. 1853 01:31:04.439 --> 01:31:06.359 Ten to twenty pounds that they need to lose. 1854 01:31:06.439 --> 01:31:08.520 And Joe and I haven't asked that question all these 1855 01:31:08.640 --> 01:31:11.840 years because I assume that that medication is for like 1856 01:31:12.159 --> 01:31:13.479 morbidly obest people. 1857 01:31:13.560 --> 01:31:15.720 I didn't realize that I'm pretty close to normal. 1858 01:31:16.079 --> 01:31:19.880 I didn't realize I could benefit maybe from it from 1859 01:31:20.880 --> 01:31:23.000 to the same extent that you're more challenging. 1860 01:31:23.239 --> 01:31:26.560 And what you're talking about is for the insurance carriers 1861 01:31:26.640 --> 01:31:29.560 to cover it, you need to fit criteria that would 1862 01:31:29.560 --> 01:31:30.920 classify you as MORBIDLEO. 1863 01:31:31.000 --> 01:31:33.800 But if you're if you're paying cash and honestly you wondering. 1864 01:31:33.600 --> 01:31:38.359 How I'm let me mention the caveat. Our team is 1865 01:31:38.399 --> 01:31:40.800 still going to go through the process of medically screening 1866 01:31:40.840 --> 01:31:42.439 you to make sure that you're appropriate you have to, 1867 01:31:42.520 --> 01:31:44.279 and that there's not going to be any dangerous side 1868 01:31:44.279 --> 01:31:46.359 effects and that the benefits are going to outweigh the 1869 01:31:46.920 --> 01:31:49.520 risks of taking the medication. Like any medicas, guys. 1870 01:31:49.399 --> 01:31:51.119 I have to break here. I hate to interrupt it, 1871 01:31:51.159 --> 01:31:54.000 but that's Denver Regen dot com. Really just go check 1872 01:31:54.079 --> 01:31:56.119 them out right there, call them up there, great people. 1873 01:31:56.319 --> 01:31:59.079 I'm going to let everybody just constantly know how my 1874 01:31:59.239 --> 01:32:02.960 journey's going well. Hold on uh Janmonica one line open 1875 01:32:03.039 --> 01:32:06.079 three oh three seven one three eight, two five five. 1876 01:32:11.640 --> 01:32:14.880 Go with a sure thing Denver's best roofer Excel Roofing 1877 01:32:15.000 --> 01:32:17.640 dot com. You don't pay a cent until you're content 1878 01:32:18.560 --> 01:32:23.439 than time for an insurance check up, free no obligation 1879 01:32:23.600 --> 01:32:27.479 comparison call Compass Insurance paying too much your coverage at 1880 01:32:27.520 --> 01:32:30.239 dozens of insurance companies find out now three oh three 1881 01:32:30.399 --> 01:32:31.560 seven seven to one help. 1882 01:32:31.760 --> 01:32:33.520 You'll think you're his only customer. 1883 01:32:33.560 --> 01:32:35.760 When you choose Frank durand the real estate man dot 1884 01:32:35.880 --> 01:32:39.159 com to list your home with Remax Alliance three oh 1885 01:32:39.199 --> 01:32:41.119 three nine two zero sixteen twenty two. 1886 01:32:47.399 --> 01:32:50.039 All right, three oh three seventy one three eight two 1887 01:32:50.159 --> 01:32:52.560 five five three oh three, Martino, you've been ripped off 1888 01:32:52.640 --> 01:32:55.399 or taking advantage of We want to hear from you. 1889 01:32:56.279 --> 01:32:58.479 By the way, just really quick on hop to the phones. 1890 01:32:58.760 --> 01:33:01.960 We were talking doctor Joelan myself. I was telling her, 1891 01:33:02.239 --> 01:33:04.760 you know, people spend that two hundred and ninety five 1892 01:33:04.800 --> 01:33:06.680 bucks a month for that weight loss, and I can't 1893 01:33:06.720 --> 01:33:09.199 talk about it more. It is working so well for me. 1894 01:33:09.319 --> 01:33:12.039 In six days, I'm over ten twelve pounds down, and 1895 01:33:12.119 --> 01:33:14.920 more importantly, I simply just don't I feel full, and 1896 01:33:15.000 --> 01:33:18.319 I don't by any means think of food. It's really incredible, 1897 01:33:18.399 --> 01:33:21.119 unlike any other diet where you might be sticking to it, 1898 01:33:21.199 --> 01:33:24.880 but all you're thinking about is whatever you like eating pizza, sweets, 1899 01:33:24.960 --> 01:33:29.000 whatever it is. But I'm actually saving money on this diet, 1900 01:33:29.119 --> 01:33:32.560 you know how, even though I'm paying you guys four 1901 01:33:32.640 --> 01:33:35.840 hundred and seventy five bucks a month, okay, or two 1902 01:33:35.960 --> 01:33:38.840 ninety five whatever it is, depending on the medication. Here's 1903 01:33:38.880 --> 01:33:41.720 the deal. You know how I'm saving money? Doc, How's 1904 01:33:41.760 --> 01:33:44.079 that we eat out all the time. I'm not kidding, 1905 01:33:44.439 --> 01:33:47.119 Susanna and I eat out, you know, since the kids 1906 01:33:47.159 --> 01:33:47.680 have been gone. 1907 01:33:47.920 --> 01:33:50.520 Yeah, empty nest life five, five, six. 1908 01:33:50.399 --> 01:33:52.680 Times a week, maybe seven, to be quite honest. 1909 01:33:52.720 --> 01:33:54.640 Sometimes, Yeah, you're saving more money than you. 1910 01:33:54.800 --> 01:33:56.920 I'm saving way more money. I mean the average dinner 1911 01:33:57.039 --> 01:33:59.880 maybe I don't know, sixty bucks. I mean, think about that. 1912 01:34:00.119 --> 01:34:03.039 That's two hundred and fifty to three hundred dollars a week, 1913 01:34:04.000 --> 01:34:06.319 and we're not doing it. If we do go out now, 1914 01:34:06.880 --> 01:34:08.920 the bill would be half because I'll just eat a 1915 01:34:08.960 --> 01:34:11.479 little off her plate. I would never order my own 1916 01:34:11.520 --> 01:34:12.239 dinner right now. 1917 01:34:12.239 --> 01:34:13.960 Now, I can go do some extra shopping, Mark. 1918 01:34:14.439 --> 01:34:17.520 Okay, Well, that that whole part's getting mixed. Well, that's 1919 01:34:17.560 --> 01:34:21.319 a great point, Mark, that I'm mixing her whole shopping park, 1920 01:34:21.520 --> 01:34:21.760 I think. 1921 01:34:21.840 --> 01:34:23.600 So yeah, can you. 1922 01:34:23.760 --> 01:34:26.720 Can you imagine it's like when your wife comes back 1923 01:34:27.319 --> 01:34:30.119 saving money and says, hey, it was on sale four 1924 01:34:30.199 --> 01:34:32.520 hundred dollars. Dress was on sale for two hundred. I 1925 01:34:32.640 --> 01:34:38.279 saved you two hundred, Yes, exactly. Okay, So who's been 1926 01:34:38.319 --> 01:34:40.720 holding the longest Monica? First of all, I appreciate you 1927 01:34:40.840 --> 01:34:44.079 holding three zho three Martino. What's going on with your neighbor? 1928 01:34:44.479 --> 01:34:47.199 We have had some neighbor calls over the years that 1929 01:34:47.319 --> 01:34:49.640 are incredible. What's going on with yours? 1930 01:34:52.199 --> 01:34:52.319 Hi? 1931 01:34:52.479 --> 01:34:52.960 Can you hear me? 1932 01:34:53.159 --> 01:34:53.720 I can hear you. 1933 01:34:53.880 --> 01:34:58.800 Monica, Okay, I'm driving to my apology. 1934 01:34:59.000 --> 01:35:04.319 Well be careful it on speakerphone. If you can go ahead, Yes, yes, 1935 01:35:04.439 --> 01:35:04.760 I will. 1936 01:35:05.720 --> 01:35:08.159 It has been quite a journey, to say the least. 1937 01:35:08.199 --> 01:35:10.439 I have lived in my condos for almost three years, 1938 01:35:11.119 --> 01:35:14.640 and for the past year I have had issues with 1939 01:35:14.720 --> 01:35:17.479 my neighbor. But it comes down to the fact that 1940 01:35:17.800 --> 01:35:22.359 she has been renovating her home and doing it sort of, 1941 01:35:22.520 --> 01:35:27.079 you know, by herself, or hiring contractors who don't always 1942 01:35:27.119 --> 01:35:29.840 speak English, so it's difficult to even communicate with them 1943 01:35:30.000 --> 01:35:32.880 as an outsider. And she's done some things that has 1944 01:35:33.000 --> 01:35:36.880 caused water to come through my feelings. Lord, she lives 1945 01:35:36.920 --> 01:35:40.439 on the top and I have I have two water 1946 01:35:40.560 --> 01:35:43.640 claims and then a liability claim that she has put 1947 01:35:43.680 --> 01:35:48.079 onto my insurance. She refuses to take accountability and we 1948 01:35:48.439 --> 01:35:51.640 have we have an HR way and that there's some language, 1949 01:35:52.760 --> 01:35:53.680 Monica sepregation. 1950 01:35:54.000 --> 01:35:56.239 Monica, hold on one second. I want to understand a 1951 01:35:56.239 --> 01:35:59.880 few things. So she did some work. Whatever that work was, 1952 01:36:00.079 --> 01:36:02.439 who knows, but she was messing around with water lines 1953 01:36:02.520 --> 01:36:05.319 or something and it started leaking. It comes through your roof, 1954 01:36:05.439 --> 01:36:11.720 correct or your ceiling? Your ceiling, yes, So then you 1955 01:36:11.880 --> 01:36:14.520 call up your insurance company, is that correct? Or do 1956 01:36:14.600 --> 01:36:15.439 you go talk to her? 1957 01:36:17.760 --> 01:36:20.399 I talked to her and she refused to go through 1958 01:36:20.479 --> 01:36:22.000 her insurance, so I had to. 1959 01:36:22.399 --> 01:36:27.159 So you went through your own insurance, yes, and your 1960 01:36:27.199 --> 01:36:30.640 own insurance. Are you having an issue? That's exactly what 1961 01:36:30.760 --> 01:36:33.840 you should be doing in this case. So do you 1962 01:36:33.960 --> 01:36:36.720 have an issue with your own insurance company not paying. 1963 01:36:38.760 --> 01:36:38.960 Well? 1964 01:36:39.159 --> 01:36:41.920 Now they have handled the water planes, but now I'm 1965 01:36:41.960 --> 01:36:44.800 being dropped by them because of how many I've had 1966 01:36:44.840 --> 01:36:47.039 to do because of her negligence up stating. 1967 01:36:47.119 --> 01:36:48.880 That's very interesting actually. 1968 01:36:48.760 --> 01:36:51.760 And they haven't been and they haven't been able to 1969 01:36:51.840 --> 01:36:55.600 subrogate because there's some language in the HIA documentation that 1970 01:36:55.680 --> 01:36:57.479 prevents that, which is really crazy to me. 1971 01:36:57.760 --> 01:37:00.239 Now what would that what would that language be? Don't 1972 01:37:00.279 --> 01:37:00.520 get that? 1973 01:37:02.920 --> 01:37:06.279 Essentially, it prevents subrogation, So it prevents my insurance company 1974 01:37:06.359 --> 01:37:07.279 from being able. 1975 01:37:07.159 --> 01:37:11.479 To go after in your HOA documents, have you had 1976 01:37:11.520 --> 01:37:16.199 an attorney look at that. I sure have, and the 1977 01:37:16.279 --> 01:37:20.520 attorney literally said, your insurance company according to this, I 1978 01:37:20.640 --> 01:37:22.840 got to get Brad O'Brien on. I've never heard of 1979 01:37:22.880 --> 01:37:23.600 anything like this. 1980 01:37:24.079 --> 01:37:25.960 I heard this a couple of weeks ago for the 1981 01:37:26.039 --> 01:37:28.800 first time, and I'm wondering, why don't we all have 1982 01:37:28.920 --> 01:37:32.560 an anti subrogation clause in our personal life so that 1983 01:37:32.640 --> 01:37:35.600 our insurance companies can't somebody can't go trying. 1984 01:37:35.760 --> 01:37:37.960 We've got too great hold on Monica. You've been holding 1985 01:37:38.000 --> 01:37:40.079 a long time. But I want to get Brad O'Brien on. 1986 01:37:41.720 --> 01:37:44.439 That's that's a very interesting. 1987 01:37:45.359 --> 01:37:45.640 Thought. 1988 01:37:46.479 --> 01:37:50.119 So there's two things here. One, is there anything she 1989 01:37:50.359 --> 01:37:53.640 can do because she got dropped by or an insurance 1990 01:37:54.039 --> 01:37:56.399 because of the multiple claims from the neighbors. Does a 1991 01:37:56.439 --> 01:38:00.439 neighbor have any liability there at all? That's an interesting 1992 01:38:00.600 --> 01:38:04.000 question within itself. My gut says no, but I want 1993 01:38:04.039 --> 01:38:06.079 to talk to an attorney on that. And then the 1994 01:38:06.239 --> 01:38:10.239 other thing is how can they stop an insurance company 1995 01:38:10.840 --> 01:38:13.560 that they do not have an agreement with? In other words, 1996 01:38:13.880 --> 01:38:18.000 the choa does not have an agreement with insurance company 1997 01:38:18.119 --> 01:38:22.239 number one. If insurance company number one wants to go 1998 01:38:22.439 --> 01:38:27.600 after insurance company number two to get reimbursed or subrogate 1999 01:38:27.680 --> 01:38:33.560 to claim. I don't understand how an choa document could 2000 01:38:33.640 --> 01:38:36.960 stop that from happening. I just don't understand that this 2001 01:38:37.039 --> 01:38:39.239 is gonna be good for Brad O'Brien. Everybody holds tight 2002 01:38:39.279 --> 01:38:42.640 three oh three Martino, one line open, three oh three Martino, 2003 01:38:42.800 --> 01:38:48.079 jen I promise your crappy situation will be up after Monica. 2004 01:38:53.800 --> 01:38:57.039 Go with a sure thing Denver's best roofer Excel Roofing 2005 01:38:57.159 --> 01:38:59.760 dot com. You don't pay a cent until you're content. 2006 01:39:03.159 --> 01:39:06.319 Time for an insurance checkup free, no obligation. In comparison, 2007 01:39:06.479 --> 01:39:10.000 call Compass Insurance paying too much your coverage at dozens 2008 01:39:10.039 --> 01:39:12.760 of insurance companies find out now three all three, seven 2009 01:39:12.800 --> 01:39:13.319 to seven to one. 2010 01:39:13.479 --> 01:39:13.680 Help. 2011 01:39:13.920 --> 01:39:16.520 You'll think you're his only customer when you choose Frank 2012 01:39:16.600 --> 01:39:19.000 durand the real estate Man dot com to list your 2013 01:39:19.079 --> 01:39:22.199 home with Remax Alliance three all three nine two zero 2014 01:39:22.319 --> 01:39:23.279 sixteen twenty two. 2015 01:39:25.039 --> 01:39:27.800 All right, folks, and we got another hour going. Listen, Monica, 2016 01:39:27.960 --> 01:39:29.880 Kelly's gonna try again over the break to get our 2017 01:39:29.920 --> 01:39:35.199 attorney at Brad O'Brien. It's what's really crazy, though about this, Monic, 2018 01:39:35.359 --> 01:39:41.800 is I still don't understand how your ho WAD document, 2019 01:39:42.560 --> 01:39:44.479 even if you agree to it, I get all that, 2020 01:39:44.920 --> 01:39:49.279 I don't understand how that could dictate to your insurance company. 2021 01:39:49.399 --> 01:39:53.479 They can't subrogate. I just simply don't understand that, and 2022 01:39:53.520 --> 01:39:57.039 I need to understand that from Bradley O'Brien. And then 2023 01:39:57.119 --> 01:39:59.800 the other issue is you could probably go ahead. 2024 01:40:01.720 --> 01:40:03.840 Oh sorry, no, I wish, I wish I understood that 2025 01:40:03.920 --> 01:40:06.960 as well. But when when they attempted to subrogate, because 2026 01:40:06.960 --> 01:40:10.520 they did attempt to subrogate, you know, they were unsuccessful. 2027 01:40:10.600 --> 01:40:13.159 And then her insurance company sent me a denial letter. 2028 01:40:13.239 --> 01:40:15.319 And the only reasoning that they were saying she wasn't 2029 01:40:15.359 --> 01:40:17.840 liable was because of the language in the HUAA that 2030 01:40:17.960 --> 01:40:22.079 prevents subrogation, which is a very convenient loophole for them 2031 01:40:22.159 --> 01:40:23.039 to not be. 2032 01:40:23.279 --> 01:40:25.159 You know, be just about the fact that I have 2033 01:40:25.359 --> 01:40:27.960 never heard of anything like that. Listen, we're gonna we're 2034 01:40:28.000 --> 01:40:30.520 going to continue to try to get them. But you 2035 01:40:30.640 --> 01:40:33.319 know who sells these policies left and right. I knew 2036 01:40:33.319 --> 01:40:37.119 we'd need them again today, Compass. Let's get Brian back up. 2037 01:40:37.439 --> 01:40:39.720 I want to see if he's personally run into this 2038 01:40:40.359 --> 01:40:44.000 on policies he's sold in condos or town homes or 2039 01:40:44.119 --> 01:40:47.840 virtually anything with an HOA. I just I don't understand. 2040 01:40:48.399 --> 01:40:50.560 I get the denial, but I don't think that's a 2041 01:40:50.840 --> 01:40:54.479 legitimate denial. I just don't understand it. I mean, we're 2042 01:40:54.520 --> 01:40:57.159 going to figure that out, and we're going to figure 2043 01:40:57.199 --> 01:40:59.279 it out quick. Hopefully we can get Brad O'Brian jen 2044 01:40:59.640 --> 01:41:02.439 as an issue with se septic tank, a crappy situation. 2045 01:41:02.600 --> 01:41:05.600 We'll figure that out, and then two lines open three 2046 01:41:05.640 --> 01:41:08.439 oh three Martino, another hour to go three oh three 2047 01:41:08.640 --> 01:41:11.119 seven one, three eight, two five five, and any questions 2048 01:41:11.399 --> 01:41:13.399 you have on the weight loss drug that I'm on 2049 01:41:13.840 --> 01:41:17.880 for Doctor Joel Cherdak He's Denver regi dot com. Please 2050 01:41:17.960 --> 01:41:18.279 call in. 2051 01:41:24.000 --> 01:41:27.279 Go with a sure thing Denver's Best roofer Excel Roofing 2052 01:41:27.359 --> 01:41:30.079 dot com. You don't pay a cent until you're contenth 2053 01:41:31.600 --> 01:41:35.840 wait time for an insurance check up free, no obligation. 2054 01:41:35.920 --> 01:41:39.720 In comparison, call Compass Insurance paying too much your coverage 2055 01:41:39.760 --> 01:41:42.600 at dozens of insurance companies find out now three oh three, 2056 01:41:42.760 --> 01:41:45.359 seven seven to one help. You'll think you're his only 2057 01:41:45.479 --> 01:41:47.880 customer when you choose Frank durand the Real Estate Man 2058 01:41:48.000 --> 01:41:51.399 dot com to list your home with Remax Alliance three 2059 01:41:51.439 --> 01:41:53.520 oh three nine two zero sixteen twenty two. 2060 01:42:04.039 --> 01:42:07.600 You don't help, run. 2061 01:42:07.560 --> 01:42:09.239 As just as fast as we can. 2062 01:42:10.079 --> 01:42:11.840 Shooter's gonna help. 2063 01:42:12.119 --> 01:42:18.199 Come man, This is the Troubleshooter Show. No Tom Martino, 2064 01:42:18.800 --> 01:42:19.359 Welcome my. 2065 01:42:19.439 --> 01:42:21.199 Friends to the only show that's kind. We're here to 2066 01:42:21.239 --> 01:42:24.680 solve problems, answer questions, take complaints. Our goals to make 2067 01:42:24.760 --> 01:42:27.279 your life a little little bit better, if not a 2068 01:42:27.359 --> 01:42:30.439 lot better, if possible. We have recooped over three hundred 2069 01:42:30.479 --> 01:42:34.960 million dollars in cash, merchandise exchanges refunds directly due to 2070 01:42:35.039 --> 01:42:37.359 this show. If you have a problem need help, three 2071 01:42:37.479 --> 01:42:39.880 oh three Martino. By the way, that number works on 2072 01:42:40.000 --> 01:42:41.520 and off the air. I try to get it out 2073 01:42:41.560 --> 01:42:44.000 there all the time because if you're you know, at 2074 01:42:44.000 --> 01:42:46.279 a dinner party or talking to a neighbor or a 2075 01:42:46.399 --> 01:42:50.239 brother or sister, even if they're not from around these parts, 2076 01:42:50.279 --> 01:42:52.560 you got to give them that number. Three oh three Martino. 2077 01:42:52.760 --> 01:42:55.960 We try to help out everybody, and we love getting 2078 01:42:56.079 --> 01:43:00.119 educated on the show as well, and we're gonna to 2079 01:43:00.199 --> 01:43:01.880 do that with an attorney. In a minute, we had 2080 01:43:01.880 --> 01:43:05.520 a caller call up Monica and her neighbor flooded her 2081 01:43:05.600 --> 01:43:07.199 in her condo and. 2082 01:43:07.800 --> 01:43:10.800 Multiple times, it sounds like multiple times. 2083 01:43:11.000 --> 01:43:14.520 And she ended up turning everything into her own insurance company, 2084 01:43:15.159 --> 01:43:19.680 and her own insurance company tried to subrogate against the neighbor. 2085 01:43:19.720 --> 01:43:21.960 The neighbor wouldn't give up any of her insurance info, 2086 01:43:22.079 --> 01:43:24.319 didn't want to turn it in, so she turned it 2087 01:43:24.399 --> 01:43:28.199 into her own. When the insurance company went to subrogate, 2088 01:43:29.199 --> 01:43:32.479 she received a denial letter, meaning the caller received a 2089 01:43:32.560 --> 01:43:37.079 denial letter from the lady's insurance company denying the subrogation. 2090 01:43:37.279 --> 01:43:41.079 Which all of this sounds it just doesn't sound right whatsoever, 2091 01:43:41.199 --> 01:43:43.560 But this is what Monica, the caller's telling us. So 2092 01:43:44.359 --> 01:43:48.439 she receives the letter saying we're rejecting the claim because 2093 01:43:48.640 --> 01:43:52.079 of this language in the HOA. So I still don't 2094 01:43:52.159 --> 01:43:54.840 understand how that could happen, but it brings up another question, 2095 01:43:55.239 --> 01:43:57.079 and we're gonna ask John Fuller about it, because he 2096 01:43:57.159 --> 01:43:59.760 deals with insurance companies all the time. And I'm also 2097 01:43:59.800 --> 01:44:02.720 going and asked Brian Burns with Compass Insurance if he 2098 01:44:02.800 --> 01:44:07.319 has seen condo policies that talk about subrogation in the HOA. 2099 01:44:07.439 --> 01:44:09.399 I don't even know that makes sense, but we're going 2100 01:44:09.479 --> 01:44:12.439 to find out or is this other insurance company and 2101 01:44:12.520 --> 01:44:15.560 this lady just giving Monica the run around, which is 2102 01:44:15.640 --> 01:44:17.640 what I think is going on, and she's going to 2103 01:44:17.720 --> 01:44:19.439 need to sue them. But we're going to talk about 2104 01:44:19.479 --> 01:44:23.079 that with an attorney and get some education on that. Meantime, 2105 01:44:23.560 --> 01:44:26.520 I want to talk to Jen. She's got a problem 2106 01:44:26.600 --> 01:44:29.760 with a septic tank. Jen, what's going on with you? 2107 01:44:29.960 --> 01:44:30.880 And welcome to the show. 2108 01:44:32.399 --> 01:44:33.720 Hey, thanks for taking my call. 2109 01:44:35.720 --> 01:44:41.399 Our septic started flooding and so we called Shirley Septic. 2110 01:44:41.600 --> 01:44:46.520 They came out and they pumped it out, and then 2111 01:44:46.560 --> 01:44:50.359 they said that it's actually an electrical problem going to 2112 01:44:50.560 --> 01:44:54.600 the septic pump. So I'm wondering if you have a 2113 01:44:54.720 --> 01:44:58.079 resferral for someone who would know about the septic pump 2114 01:44:58.239 --> 01:44:59.760 but also the electricity. 2115 01:45:01.159 --> 01:45:06.119 Boy, that's that's interesting. I would I would say, off 2116 01:45:07.560 --> 01:45:13.039 the top of my head, probably Master Router. I would 2117 01:45:13.079 --> 01:45:19.279 say Master Router Plumbing. I'm trying to think, does anybody 2118 01:45:19.399 --> 01:45:24.760 remember if plumbline? Maybe we should ask Bob about that 2119 01:45:25.720 --> 01:45:29.079 because I'm thinking more on the pump side. I would like, 2120 01:45:29.319 --> 01:45:31.880 let's see if we can't get Bob on Bob logan, 2121 01:45:33.439 --> 01:45:35.159 hold on a second. I want to get you the 2122 01:45:35.279 --> 01:45:40.119 right company than you what the company that is looking 2123 01:45:40.199 --> 01:45:42.880 at it now. They came out and thought there was 2124 01:45:42.960 --> 01:45:45.399 a clog, but it's actually the pump not working and 2125 01:45:45.520 --> 01:45:46.840 pumping properly. 2126 01:45:48.399 --> 01:45:50.560 We don't know if the pump is working or not 2127 01:45:50.840 --> 01:45:54.600 because they said it's the electrical going to it. 2128 01:45:54.960 --> 01:45:57.720 So they're saying when they test that feed of power, 2129 01:45:57.800 --> 01:46:01.560 they're getting zero right there, right or not? 2130 01:46:01.720 --> 01:46:03.560 The fool or not the folk? 2131 01:46:03.640 --> 01:46:06.159 Maybe it's just a simple electrician needed. 2132 01:46:06.239 --> 01:46:09.279 Then I'm texting Bob Logan right now. 2133 01:46:09.560 --> 01:46:11.560 Yeah, I'm curious about this. And the main thing with 2134 01:46:11.680 --> 01:46:14.920 Bob is do they work on septic systems? I know 2135 01:46:15.119 --> 01:46:17.520 for a fact when we bought our house, they came 2136 01:46:17.560 --> 01:46:21.640 out and inspected mine from top to bottom as part 2137 01:46:21.720 --> 01:46:24.520 of my due diligence to basically check out the house 2138 01:46:24.600 --> 01:46:28.560 I was buying. But whether or not, we're gonna find out. 2139 01:46:28.720 --> 01:46:30.000 Just just hold on Jack. 2140 01:46:30.159 --> 01:46:30.279 You know. 2141 01:46:31.000 --> 01:46:33.840 One other thing is we are in Conifer. 2142 01:46:35.960 --> 01:46:36.199 Yeah. 2143 01:46:36.319 --> 01:46:39.159 I think they go to Conifer, don't they. We'll ask 2144 01:46:39.239 --> 01:46:42.239 them that too. I think they do Conifers. Not how 2145 01:46:42.279 --> 01:46:43.239 far are you from Denver? 2146 01:46:43.479 --> 01:46:45.199 It's like by isn't that by Evergreen? 2147 01:46:45.680 --> 01:46:45.880 Yeah? 2148 01:46:49.039 --> 01:46:50.920 Yeah, I'm pretty sure they go up there. Well, just 2149 01:46:51.119 --> 01:46:51.520 just hold on. 2150 01:46:51.600 --> 01:46:52.399 We're gonna here's the thing. 2151 01:46:52.479 --> 01:46:52.640 Mark. 2152 01:46:52.680 --> 01:46:55.079 Even if Plumbline doesn't do it, one of our listeners 2153 01:46:55.199 --> 01:46:56.439 is going to have a referral for Well. 2154 01:46:56.560 --> 01:46:59.039 Yeah, there's no doubt about it. But it's interesting. The 2155 01:46:59.119 --> 01:47:01.039 company she called when they had a problem with su 2156 01:47:01.079 --> 01:47:04.680 septic system, Well, they probably don't have an electrician working 2157 01:47:04.760 --> 01:47:09.239 for him, is all. I can think. Different sectors possibly. 2158 01:47:08.840 --> 01:47:11.880 The Elwier with the Shirley company. They they they come 2159 01:47:11.920 --> 01:47:14.119 out and they suck out the septic systems. 2160 01:47:14.479 --> 01:47:15.640 They just a pumper base. 2161 01:47:15.720 --> 01:47:16.439 Yeah, that's what they do. 2162 01:47:16.920 --> 01:47:18.000 Oh, I got cha. 2163 01:47:18.319 --> 01:47:20.239 I heard their number one in the number two business. 2164 01:47:20.399 --> 01:47:23.439 Oh that's that's something. They're number one in the number 2165 01:47:23.479 --> 01:47:24.039 two business. 2166 01:47:24.119 --> 01:47:24.479 To meet you. 2167 01:47:24.600 --> 01:47:27.560 That's pretty good. Actually, thank you, that's pretty good. 2168 01:47:27.800 --> 01:47:29.359 I'm going to license it to Shirley. 2169 01:47:29.920 --> 01:47:33.760 Yeah that's crazy. Heyte you guys. While we're waiting, we're 2170 01:47:33.760 --> 01:47:35.960 waiting for a couple experts for gen and Monica. We 2171 01:47:36.000 --> 01:47:37.600 do have a couple of lines hoping three oh three seven, 2172 01:47:37.640 --> 01:47:48.079 one three eight two five five Denver, the mayor, Mayor, Mike, 2173 01:47:48.239 --> 01:47:49.560 let's just call the mayor Mike. 2174 01:47:50.880 --> 01:47:51.560 I saw. 2175 01:47:53.600 --> 01:47:58.399 An excerpt from him talking about he met his goal 2176 01:47:59.079 --> 01:48:05.880 for twenty four and got two thousand people homeless people housed. 2177 01:48:06.560 --> 01:48:08.880 Did you guys see this yesterday or two days ago? 2178 01:48:10.640 --> 01:48:13.359 He met his goal. His goal was to do that. 2179 01:48:14.000 --> 01:48:18.279 In fact, he did better than that. He exceeded his goal. 2180 01:48:18.600 --> 01:48:22.560 He got like two two hundred people. Let's take that 2181 01:48:22.640 --> 01:48:27.479 as gospel. Okay, that happened. Let's say it did happen. Now, 2182 01:48:28.640 --> 01:48:35.600 if there's more homeless people this year in twenty twenty four, 2183 01:48:36.119 --> 01:48:40.520 Let's just say there's six thousand homeless people in Denver 2184 01:48:41.279 --> 01:48:44.199 and two thousand of them you got into a shelter 2185 01:48:44.319 --> 01:48:46.720 of some sort. And by the way, they're not including 2186 01:48:46.760 --> 01:48:49.840 immigrants in these numbers. So these numbers are just so flawed. 2187 01:48:49.880 --> 01:48:53.000 I can't even I guess it depends where you're from 2188 01:48:53.520 --> 01:48:56.319 if you're actually homeless when you're homeless, But that's a 2189 01:48:56.399 --> 01:49:00.279 different story. That's just crap. That's what that is. So 2190 01:49:01.159 --> 01:49:04.279 think about this. Let's say the number was six thousand, 2191 01:49:04.960 --> 01:49:07.039 and he gets two thousand by the end of the year. 2192 01:49:07.399 --> 01:49:09.800 There's six thousand homeless in Denver at the beginning of 2193 01:49:09.840 --> 01:49:13.319 the year, he gets two thousand into homes by the 2194 01:49:13.439 --> 01:49:16.119 end of the year. You would think logically that means 2195 01:49:16.159 --> 01:49:18.960 now there's only four thousand homeless that aren't at least 2196 01:49:19.000 --> 01:49:21.800 living outside there in shelters or something, right. I mean, 2197 01:49:21.840 --> 01:49:24.119 if you do the math like that. The problem with 2198 01:49:24.279 --> 01:49:28.279 this math is there's a lot more homeless people in 2199 01:49:28.399 --> 01:49:30.199 Denver now at the end of the year. So if 2200 01:49:30.239 --> 01:49:32.479 they started at six thousand, now, let's say they have 2201 01:49:32.640 --> 01:49:35.680 nine thousand. They put two thousand into shelter, but they 2202 01:49:35.840 --> 01:49:39.039 still have more people homeless than they did at the 2203 01:49:39.079 --> 01:49:42.560 beginning of the year. It's the craziest argument I've ever 2204 01:49:42.640 --> 01:49:46.119 heard from this guy. But yet somehow he reached and 2205 01:49:46.239 --> 01:49:49.680 exceeded his goal. Am I making sense to people? There's 2206 01:49:49.840 --> 01:49:52.880 more homeless people right now in Denver than there was 2207 01:49:52.960 --> 01:49:55.279 at the beginning of the year. And I'm not talking 2208 01:49:55.319 --> 01:49:58.199 about people in shelters. I'm talking about people in Denver 2209 01:49:58.960 --> 01:50:02.920 walking around without shelter, without a home or anything. Okay, 2210 01:50:03.680 --> 01:50:08.600 now there's more people, more people. Even if he got 2211 01:50:08.680 --> 01:50:11.199 two homes for two thousand, there's more people. Did he 2212 01:50:11.319 --> 01:50:13.479 do anything. I don't think he did a damn thing. 2213 01:50:13.680 --> 01:50:14.880 Mark to play Devil's advocate. 2214 01:50:14.920 --> 01:50:17.359 I think like he's not saying he reduced homelessness, he 2215 01:50:17.479 --> 01:50:19.399 just housed more homeless than he thought he would be 2216 01:50:19.399 --> 01:50:19.800 able to take. 2217 01:50:19.840 --> 01:50:21.800 It's worse than that. He increased homelessness. 2218 01:50:21.960 --> 01:50:23.039 Word trickery or something. 2219 01:50:23.279 --> 01:50:25.479 It is that that's exactly what he's trying to do. 2220 01:50:25.800 --> 01:50:27.800 Oh hey, I pulled off what I wanted to do. 2221 01:50:28.920 --> 01:50:28.960 It. 2222 01:50:29.359 --> 01:50:31.960 It's going back to like saving money. But you bought something, 2223 01:50:32.239 --> 01:50:35.079 something's on sale, so you buy it instead of spending 2224 01:50:35.159 --> 01:50:36.880 the two hundred, you saved the two hundred. 2225 01:50:37.000 --> 01:50:40.319 Well Mark Mayor, the Devi mayor is clearly a glasses 2226 01:50:40.399 --> 01:50:41.520 half full kind of a person. 2227 01:50:42.199 --> 01:50:44.319 Yeah, he's a brain half full in my opinion. How 2228 01:50:44.319 --> 01:50:48.239 about now he's also arguing, So the Aurora mayor, what's 2229 01:50:48.319 --> 01:50:51.680 that or not Roffman. Everybody says he's a Republican. 2230 01:50:51.760 --> 01:50:52.760 He's not. No, he's not. 2231 01:50:53.600 --> 01:50:56.000 You know what he was arguing Finally with the mayor. 2232 01:50:56.199 --> 01:50:58.640 He's saying, you've been dumping The only reason we got 2233 01:50:58.760 --> 01:51:02.279 problems in our buildings out here with gang members is 2234 01:51:02.439 --> 01:51:06.079 because Denver. Now he's blaming the Denver mayor, Mike. They're 2235 01:51:06.159 --> 01:51:09.119 literally in an argument. This is all in the last 2236 01:51:09.159 --> 01:51:12.800 couple of days. So basically he's saying, the only reason 2237 01:51:12.920 --> 01:51:15.760 we have this big crime wave in Aurora is because 2238 01:51:15.800 --> 01:51:21.000 you're secretly sending all these homeless people and drug members 2239 01:51:21.279 --> 01:51:25.399 and gang members over to Aurora. And I think it's true. 2240 01:51:26.000 --> 01:51:26.960 Oh, there's no question. 2241 01:51:27.239 --> 01:51:29.560 But here's what I could care less about him, Kaufman. 2242 01:51:29.640 --> 01:51:32.119 You know why when Trump was in town, he sat 2243 01:51:32.199 --> 01:51:34.199 there and denied that there was any gang members. He 2244 01:51:34.279 --> 01:51:37.199 denied it. He wouldn't go. If he was a Republican, 2245 01:51:37.239 --> 01:51:39.199 he would have been at that rally. He didn't want 2246 01:51:39.239 --> 01:51:42.079 to go. I mean, to me, both these guys are crazy. 2247 01:51:42.359 --> 01:51:45.520 Both of them are crazy. But who's their boss. Let's 2248 01:51:45.520 --> 01:51:46.760 think about it, who's their boss? 2249 01:51:46.800 --> 01:51:49.159 Both of them are the people who are suffering us 2250 01:51:49.279 --> 01:51:52.640 regular citizens and even non citizens of Denver and Aurora. 2251 01:51:52.880 --> 01:51:57.000 Yeah, but our governor should be just ashamed of himself 2252 01:51:57.119 --> 01:52:00.520 accepting any of these buses coming in and this homeless crisis. 2253 01:52:00.720 --> 01:52:02.720 He should be ashamed. We passed some of the laws 2254 01:52:02.800 --> 01:52:06.079 we did, like legalizing drugs. Now that you can go 2255 01:52:06.239 --> 01:52:08.439 do mushrooms, I can't even imagine what's going on. 2256 01:52:08.840 --> 01:52:11.039 Worse, We're going to get even more drug addicts to 2257 01:52:11.479 --> 01:52:13.159 moving here from all over the country. 2258 01:52:13.079 --> 01:52:16.279 From everywhere. It's just crazy. But for him to come 2259 01:52:16.359 --> 01:52:18.520 out and say I met all my goals or not 2260 01:52:18.640 --> 01:52:20.880 all my goals. I'm not going to paraphrase it, but 2261 01:52:21.000 --> 01:52:23.439 he basically said, Hey, my goal was to house two 2262 01:52:23.520 --> 01:52:26.760 thousand people, and I did better than that. I exceeded 2263 01:52:26.800 --> 01:52:28.960 it with twenty two hundred, and that's a rough number. 2264 01:52:29.239 --> 01:52:31.760 But what he's neglecting to say in that same sentence, 2265 01:52:32.239 --> 01:52:36.279 there's more homeless now than there was. I mean, big deal, 2266 01:52:36.960 --> 01:52:39.800 Absolutely big deal, Mike. I mean, my god, do you 2267 01:52:39.920 --> 01:52:43.439 realize what you're saying. What a strange thing to say, 2268 01:52:43.720 --> 01:52:47.119 What a strange thing to brag about. It just drives 2269 01:52:47.199 --> 01:52:49.640 me nuts. Dmitri. You know, I don't like getting into 2270 01:52:49.680 --> 01:52:53.640 politics that often, but when people look you in the 2271 01:52:53.760 --> 01:52:58.119 face and say something so crazy like that, it's like 2272 01:52:58.319 --> 01:53:01.920 twisting real stats. Yeah, big deal, you got two There 2273 01:53:02.039 --> 01:53:04.800 was six thousand homeless, you got two thousand in but 2274 01:53:04.960 --> 01:53:07.960 now there's ten thousand homeless. You did nothing to solve 2275 01:53:08.000 --> 01:53:12.399 the homeless problem. The homeless problem is worse now than 2276 01:53:12.439 --> 01:53:15.520 it was last year. I don't care if you housed 2277 01:53:15.600 --> 01:53:17.840 half of them. I don't care if you house ten 2278 01:53:17.920 --> 01:53:22.039 thousand of them, if forty thousand came in. It's just 2279 01:53:22.199 --> 01:53:24.960 remarkable how he looks people in the face and the 2280 01:53:25.039 --> 01:53:28.199 camera and says that he has no shame. God, he 2281 01:53:28.319 --> 01:53:30.800 has no shame. And I don't think the guys like 2282 01:53:31.359 --> 01:53:33.640 I don't know. He looks like a nice guy, but 2283 01:53:33.920 --> 01:53:39.159 my god, what the hell? Anyhow, I got to take 2284 01:53:39.159 --> 01:53:41.920 a break, and I promise we're gonna have the experts on. 2285 01:53:42.439 --> 01:53:47.279 I got lines full now and just hang tight, you 2286 01:53:47.399 --> 01:53:50.920 know what I wish? Can we try to get somewhat dragon? 2287 01:53:51.279 --> 01:53:54.399 Does he ever come on with Brown or anybody? Does this? 2288 01:53:54.640 --> 01:53:57.960 May or Mike ever come on with anybody? Of course 2289 01:53:58.039 --> 01:54:01.520 not he doesn't, He won't come on. But you guys 2290 01:54:01.600 --> 01:54:02.319 have reached out. 2291 01:54:03.279 --> 01:54:05.760 Brown doesn't typically take many guests, but I know Ross hasn't, 2292 01:54:05.760 --> 01:54:08.760 I know Mandy have, and they just especially with Polist, 2293 01:54:09.079 --> 01:54:10.119 he ain't talking to anybody. 2294 01:54:10.479 --> 01:54:12.840 You know what it it's a shame. These guys sucks 2295 01:54:12.880 --> 01:54:15.439 so bad. It's a shame for you voters out there. 2296 01:54:15.560 --> 01:54:17.000 Shame on you. They've voted for him. 2297 01:54:22.560 --> 01:54:25.800 Go with a sure thing Denver's best roofer Excel roofing 2298 01:54:25.920 --> 01:54:28.560 dot com. You don't pay a cent until you're content. 2299 01:54:31.960 --> 01:54:35.079 Time for an insurance check up free, no obligation. In comparison, 2300 01:54:35.279 --> 01:54:38.800 call Compass insurance paying too much your coverage at dozens 2301 01:54:38.840 --> 01:54:41.560 of insurance companies find out now three O three seven 2302 01:54:41.560 --> 01:54:43.880 to seven to one help. You'll think you're his only 2303 01:54:44.000 --> 01:54:46.439 customer when you choose Frank durand the real estate man 2304 01:54:46.520 --> 01:54:49.920 dot com to list your home with Remax Alliance three 2305 01:54:50.000 --> 01:54:52.079 oh three nine two zero sixteen twenty two. 2306 01:54:59.399 --> 01:55:01.720 You know, I was talking to Dimitri over the break 2307 01:55:01.800 --> 01:55:05.479 and he actually emailed Mike's office. We're talking about the 2308 01:55:05.560 --> 01:55:08.239 mayor of Denver, and it was kind of funny what 2309 01:55:08.359 --> 01:55:11.159 you said. But tell everybody why you emailed him. First 2310 01:55:11.159 --> 01:55:13.119 of all, here's a guy that wants to help the homeless, 2311 01:55:13.199 --> 01:55:16.359 right he ran on the platform of what I think. 2312 01:55:16.279 --> 01:55:19.319 That that was as exclusively his platform was to to 2313 01:55:19.520 --> 01:55:20.640 help all the homeless. 2314 01:55:20.800 --> 01:55:21.960 That was That's what he ran on. 2315 01:55:22.159 --> 01:55:24.119 I can't think of anything else he promised to do. 2316 01:55:24.359 --> 01:55:26.439 And we had a caller that what yeah about You 2317 01:55:26.439 --> 01:55:29.119 remember about three four weeks ago, a homeless guy who 2318 01:55:29.279 --> 01:55:32.600 was living in a deliarated RV got arrested by an 2319 01:55:32.720 --> 01:55:34.680 authority he didn't know for reasons. 2320 01:55:34.720 --> 01:55:37.079 All the charges were dropped, everything was dropped. 2321 01:55:37.399 --> 01:55:40.560 He had he had the rvmpounded, He had the rvmpound, 2322 01:55:40.640 --> 01:55:42.680 and he gave up on ever getting it back. He 2323 01:55:42.720 --> 01:55:45.279 couldn't afford it, but he had his tools in there. 2324 01:55:45.439 --> 01:55:47.840 He had the several thousand dollars worth of tools that 2325 01:55:47.920 --> 01:55:51.479 he uses to eke out a very modest living. And 2326 01:55:51.600 --> 01:55:54.760 all we were trying to do is get access to 2327 01:55:55.039 --> 01:55:57.720 the RV's just so he can retrieve his tools. I 2328 01:55:58.079 --> 01:56:03.239 emailed Mike's office three times with that request, and you know, 2329 01:56:03.399 --> 01:56:05.199 I was willing to go do it myself. I'll put 2330 01:56:05.239 --> 01:56:07.039 on a haz math suit, I'll go into the serv 2331 01:56:07.159 --> 01:56:10.079 I'll get the tools and say get I'm the almost guy. 2332 01:56:10.319 --> 01:56:14.039 Yeah, and I did not hear a peep from Mayor 2333 01:56:14.159 --> 01:56:15.000 Johnson's office. 2334 01:56:15.319 --> 01:56:18.239 Jo no good in my opinion, not even saying, oh, 2335 01:56:18.279 --> 01:56:20.439 you know it's against policy, or you know, we don't 2336 01:56:20.479 --> 01:56:23.000 have time, no nothing, just totally ignored it. 2337 01:56:23.239 --> 01:56:25.399 And I made it clear that's a homeless guy. 2338 01:56:25.960 --> 01:56:28.880 Yeah, that's the platform too, and he ran on so 2339 01:56:29.079 --> 01:56:30.760 and I think he's doing a good job on the 2340 01:56:30.800 --> 01:56:34.520 platform because it's not even arguable. We have more homeless 2341 01:56:34.600 --> 01:56:37.600 now than we ever had before. So even under the 2342 01:56:37.680 --> 01:56:40.800 old mayor, we have more homeless now than we've ever 2343 01:56:40.880 --> 01:56:43.479 had before. I'm gonna say it again, Mike, who just 2344 01:56:43.720 --> 01:56:47.319 patted his own back because he puts them in shelters 2345 01:56:47.399 --> 01:56:48.279 or whatever he did. 2346 01:56:49.279 --> 01:56:50.399 He sent them to Aurora. 2347 01:56:51.760 --> 01:56:56.079 According to Kaufman, damn good point. The reason we have 2348 01:56:56.279 --> 01:56:59.520 less is because now Aurora has them, and Kaufman, you 2349 01:56:59.640 --> 01:57:02.680 know what, you should get on your own parties train. Brother, 2350 01:57:02.800 --> 01:57:07.279 You're on the wrong train. You're on such the wrong train. God, 2351 01:57:07.439 --> 01:57:11.960 it's incredible. People. Just I just don't. I couldn't get 2352 01:57:11.960 --> 01:57:15.079 into politics. Here's the problem. I say what I'm thinking, 2353 01:57:15.359 --> 01:57:17.640 and you just can't do that in politics. You just 2354 01:57:18.119 --> 01:57:19.840 you got to be able to look at people and 2355 01:57:20.000 --> 01:57:23.079 lie go. I'm helping the homeless situation, even though there's 2356 01:57:23.159 --> 01:57:26.760 more homeless now than ever before. I'm helping because I 2357 01:57:26.960 --> 01:57:29.800 did this. What how do you do that with a 2358 01:57:29.880 --> 01:57:33.600 straight face? As again, I was listening to Kyle Clark 2359 01:57:33.960 --> 01:57:37.319 last night, talked about it. You know what, I couldn't 2360 01:57:37.319 --> 01:57:40.920 believe it. Kyle's Kyle didn't go into that part. I 2361 01:57:41.199 --> 01:57:44.079 like his show. I don't agree with the damn thing 2362 01:57:44.119 --> 01:57:45.199 he says. For the most part. 2363 01:57:45.319 --> 01:57:46.039 I hate him Mark. 2364 01:57:46.560 --> 01:57:48.079 I love to hate him, but I don't really hate 2365 01:57:48.159 --> 01:57:50.479 him as a human. I just he's on a different 2366 01:57:50.640 --> 01:57:53.920 side of philosophy as I am. But what it drives 2367 01:57:54.039 --> 01:57:56.880 me crazy sometimes, like when it came to the lady 2368 01:57:57.239 --> 01:57:59.720 that counts the votes, I forget her name. She gave 2369 01:57:59.760 --> 01:58:04.399 out the passwords online to our voting machines. He sent 2370 01:58:04.479 --> 01:58:07.760 off ballots to people that are here illegally. She did 2371 01:58:07.840 --> 01:58:10.760 so many things wrong. When he talked about that, he 2372 01:58:10.960 --> 01:58:13.199 called her out on it. But when he was talking 2373 01:58:13.239 --> 01:58:16.600 about Kaufman last night, when he was talking about Kaufman, 2374 01:58:17.199 --> 01:58:19.159 I don't think he said, and I could be wrong. 2375 01:58:19.239 --> 01:58:21.880 Maybe sitting in the pass and Kyle feel free to 2376 01:58:21.960 --> 01:58:25.880 say it tonight. But my god, there's more homeless walking 2377 01:58:25.960 --> 01:58:29.119 the streets in Denver than ever before. So when we 2378 01:58:29.279 --> 01:58:32.800 talk about Mike and letting them pack them, pat himself 2379 01:58:32.880 --> 01:58:36.600 on the back, let's talk about the reality of it. 2380 01:58:36.960 --> 01:58:41.079 There's more homeless walking around the streets in Denver than 2381 01:58:41.439 --> 01:58:47.359 ever ever before. That's what Mike has done. Mike Johnston, 2382 01:58:47.520 --> 01:58:50.960 mayor of Denver, that's what he's done. And let's tell 2383 01:58:51.039 --> 01:58:54.560 it like it is. Let's not sugarcoat it. Hey Mark 2384 01:58:54.640 --> 01:58:58.920 with Gaddy Electric, Hey Mark used to be gad you 2385 01:58:59.359 --> 01:59:00.159 or I'm sorry. 2386 01:59:00.159 --> 01:59:00.800 Used to be no. 2387 01:59:00.960 --> 01:59:02.520 It's still Gaddy Electric, right. 2388 01:59:02.520 --> 01:59:03.640 Sol though he doesn't own it. 2389 01:59:03.720 --> 01:59:04.159 Anymore. 2390 01:59:04.880 --> 01:59:06.960 Hey, Mark, you don't own Gaddy anymore, do you? 2391 01:59:08.159 --> 01:59:08.760 That's correct? 2392 01:59:08.960 --> 01:59:11.000 And I got to say something, Mark, I loved it 2393 01:59:11.079 --> 01:59:13.479 when you owned him. I don't like him now, no offense. 2394 01:59:13.560 --> 01:59:16.600 I know it's your name and that's what sucks. You 2395 01:59:16.720 --> 01:59:19.560 sold your name, But honestly, I don't like him. But 2396 01:59:19.680 --> 01:59:22.800 when you own the company, you were my favorite electrician. 2397 01:59:22.880 --> 01:59:24.960 You've done a ton of work in my house. You 2398 01:59:25.079 --> 01:59:29.079 guys wired my barn anyhow. But you're you retired. God, 2399 01:59:29.119 --> 01:59:31.840 I wish people. I wish good people would never retire. 2400 01:59:32.279 --> 01:59:34.479 I mean, really, that's what I'm thinking. But Mark, you 2401 01:59:34.640 --> 01:59:38.119 heard that call about Jen who's got a problem with 2402 01:59:38.199 --> 01:59:41.520 the septic. She just had her pumper company come out to, 2403 01:59:42.000 --> 01:59:43.800 you know, get rid of the pooh and get rid 2404 01:59:43.840 --> 01:59:47.119 of everything. And bottom line is apparently there's a problem 2405 01:59:47.199 --> 01:59:50.560 with the power going to the pump. And you called 2406 01:59:50.640 --> 01:59:52.439 in and we called you back. What's going on. 2407 01:59:53.760 --> 01:59:55.920 Probably they need to really have an electrician out there 2408 01:59:55.960 --> 01:59:58.319 because a lot of that gas is he's electrical up 2409 01:59:58.359 --> 02:00:00.760 in those cords right in the tank, and they probably 2410 02:00:00.800 --> 02:00:03.960 need to replace the cord or that outlet that's in there. 2411 02:00:04.319 --> 02:00:07.640 So they actually need electrician more than they need anybody 2412 02:00:07.680 --> 02:00:09.399 that pumps or a handyman or anything. 2413 02:00:09.680 --> 02:00:12.239 Mark. Hey, Mark, I guess I'm trying to think of 2414 02:00:12.399 --> 02:00:15.600 like I don't understand how my system works. I mean, 2415 02:00:15.640 --> 02:00:17.720 as far as the electric and the pump on ours? 2416 02:00:18.399 --> 02:00:21.640 Where where is that pump generally located? Is it in 2417 02:00:21.800 --> 02:00:22.319 the house? 2418 02:00:22.520 --> 02:00:22.640 Is it? 2419 02:00:22.720 --> 02:00:24.439 Where is it generally located? No? 2420 02:00:24.600 --> 02:00:25.199 That pump is it? 2421 02:00:25.399 --> 02:00:25.439 No? 2422 02:00:25.560 --> 02:00:27.279 That pump's in the bottom of the septic tank. 2423 02:00:27.479 --> 02:00:31.680 Oh god. So not only do you have to find 2424 02:00:31.720 --> 02:00:35.239 an electrician, you've got to find an electrician that's going 2425 02:00:35.279 --> 02:00:36.800 to hop down into your septic tank. 2426 02:00:37.680 --> 02:00:40.159 So you can usually pull those out by you know, 2427 02:00:40.239 --> 02:00:41.479 you don't have to actually get in a lot of 2428 02:00:41.520 --> 02:00:43.760 times there's a pipe in or that you can break 2429 02:00:43.840 --> 02:00:45.640 free and bring it out and got it, prsh it 2430 02:00:45.760 --> 02:00:49.239 down and replace the electrical and sometimes. 2431 02:00:50.479 --> 02:00:52.880 Back in the nineties, did you guys do when you 2432 02:00:53.039 --> 02:00:55.399 own the company, did you guys end up doing stuff 2433 02:00:55.479 --> 02:00:56.680 like that? Probably quite a bit. 2434 02:00:56.800 --> 02:00:58.479 Huh, Yeah, we did. 2435 02:00:58.640 --> 02:01:00.479 The guy didn't care for it much, but just one 2436 02:01:00.520 --> 02:01:02.119 of those that it was a service call and we 2437 02:01:02.399 --> 02:01:04.479 would go out and take care of if somebody had. 2438 02:01:04.359 --> 02:01:04.680 To do it. 2439 02:01:05.079 --> 02:01:08.760 Excellent. Who would you who would you suggest Denver Metro area. 2440 02:01:08.840 --> 02:01:11.359 Hold on a second, hold on, hold on, hold on, 2441 02:01:11.640 --> 02:01:14.800 Hey Jen, I'm assuming you're Denver Metro. Where are Oh? No, 2442 02:01:15.039 --> 02:01:21.520 she's Connifer. She's in Connifer, Mark in the Denver area. Mark, Yeah, 2443 02:01:22.199 --> 02:01:23.279 who would you think? 2444 02:01:25.920 --> 02:01:28.159 I don't know anybody up in that Denver area. Oh, 2445 02:01:28.439 --> 02:01:31.000 but I just thought to just give you a heads up. Yeah, 2446 02:01:31.359 --> 02:01:33.359 because that too be a problem if that starts to 2447 02:01:33.399 --> 02:01:35.520 fill back up before they get electrician out there. 2448 02:01:35.600 --> 02:01:37.640 Yeah, I could get worse. Hey, Mark, I really do 2449 02:01:37.800 --> 02:01:41.439 appreciate that, and I agree she needs an electrician like 2450 02:01:41.680 --> 02:01:44.159 no doubt. And by the way, hey Mark, really, how's 2451 02:01:44.239 --> 02:01:45.319 retirement real quick? 2452 02:01:45.399 --> 02:01:45.560 Man? 2453 02:01:46.800 --> 02:01:48.000 Well, I'm doing real well. 2454 02:01:48.640 --> 02:01:51.319 Got some medical problems that's come along real well with me. 2455 02:01:51.479 --> 02:01:53.439 But at the same time, I'm trying to find my 2456 02:01:53.520 --> 02:01:56.399 new normal. I was so busy at work and everything. 2457 02:01:56.439 --> 02:01:58.560 It's been kind of hard to find in my new 2458 02:01:58.640 --> 02:01:59.199 normal here. 2459 02:01:59.439 --> 02:01:59.800 Yeah, I know. 2460 02:02:00.039 --> 02:02:02.720 And my dad basically hung it up. He uh, you know, 2461 02:02:02.840 --> 02:02:04.640 he was going to go fishing every day, and he 2462 02:02:04.720 --> 02:02:07.119 had all these plans, and you know, after three or 2463 02:02:07.199 --> 02:02:10.039 three months he was bored off his ass and started, uh, 2464 02:02:10.119 --> 02:02:12.640 he got into real estate. I mean, isn't that crazy? 2465 02:02:12.640 --> 02:02:15.640 He's selling in his community. He was so bored. But anyhow, Mark, 2466 02:02:15.680 --> 02:02:18.239 I really appreciate it, and stay in touch. I still 2467 02:02:18.279 --> 02:02:20.880 got your cell phone. You got mine, Man, If you 2468 02:02:20.920 --> 02:02:23.119 ever need anything personally, let me know. Three l three 2469 02:02:23.199 --> 02:02:27.800 seven one three eight two five five. Jen, here's the 2470 02:02:27.880 --> 02:02:30.680 bottom line. Plumb Line can definitely do that if it's 2471 02:02:30.720 --> 02:02:35.319 the electrical problem. And I agree with what Mark saying. 2472 02:02:35.359 --> 02:02:38.560 It probably is, so plumb Line services they do go 2473 02:02:38.720 --> 02:02:39.359 to your area. 2474 02:02:41.039 --> 02:02:41.399 Excellent. 2475 02:02:41.399 --> 02:02:42.119 I'll give him a call. 2476 02:02:42.319 --> 02:02:45.119 Yeah, let me know how that turns out. I didn't realize, 2477 02:02:45.199 --> 02:02:47.359 like what I don't get. I'm hoping they don't have 2478 02:02:47.520 --> 02:02:48.800 to go to the pump itself. 2479 02:02:49.239 --> 02:02:49.680 I don't know. 2480 02:02:49.960 --> 02:02:52.000 There's no way a pump like that, guys would be 2481 02:02:52.079 --> 02:02:54.640 a two twenty. That would be nuts, right. I was 2482 02:02:54.680 --> 02:02:56.800 thinking if one leg went out, but I don't think 2483 02:02:56.880 --> 02:02:59.880 that would be the case. But give give Plumbline a 2484 02:03:00.039 --> 02:03:04.000 call straight up. Okay, thank you, Hey, thanks for holding 2485 02:03:04.079 --> 02:03:06.079 so long too, Jen. Three oh three seven one three 2486 02:03:06.359 --> 02:03:08.399 a two five five. Normous got a problem with her 2487 02:03:08.479 --> 02:03:11.640 daughter's eviction and then Monica I got John Fuller up. 2488 02:03:11.840 --> 02:03:14.439 She's got a problem with her neighbor. John. Please hold 2489 02:03:14.760 --> 02:03:17.600 I've got to ask you these questions, and it's just 2490 02:03:17.720 --> 02:03:20.920 the craziest thing. But if anybody has heard about an 2491 02:03:21.039 --> 02:03:25.439 insurance company not being able to subrogate because of an 2492 02:03:25.680 --> 02:03:28.199 HOA document, I want to know from you. 2493 02:03:28.359 --> 02:03:34.800 John hold On, go with a sure thing Denver's best 2494 02:03:34.880 --> 02:03:37.720 rufer Excel Roofing dot com. You don't pay a cent 2495 02:03:37.960 --> 02:03:43.960 until you're content. Time for an insurance check up free, 2496 02:03:44.119 --> 02:03:47.800 no obligation. In comparison, call Compass Insurance paying too much 2497 02:03:47.960 --> 02:03:50.840 your coverage at dozens of insurance companies find out now 2498 02:03:50.960 --> 02:03:53.199 three oh three, seven to seven to one help. You'll 2499 02:03:53.279 --> 02:03:56.000 think you're his only customer when you choose Frank durand 2500 02:03:56.000 --> 02:03:58.439 the real estate Man dot com to list your home 2501 02:03:58.680 --> 02:04:01.840 with Remax Alliance three all three nine two zero sixteen 2502 02:04:01.920 --> 02:04:02.399 twenty two. 2503 02:04:05.479 --> 02:04:07.520 All right, three oh three seven one three eight two 2504 02:04:07.640 --> 02:04:10.000 five five. Someone had to correct me on this. Listen 2505 02:04:10.039 --> 02:04:13.159 to this mark. You said in the K and H 2506 02:04:13.560 --> 02:04:18.560 commercial that they were sixty five years old. Well I 2507 02:04:18.680 --> 02:04:23.560 did some research and you're absolutely right. Emailer Sam, they're 2508 02:04:23.640 --> 02:04:24.199 sixty eight. 2509 02:04:24.840 --> 02:04:25.000 Yeah. 2510 02:04:25.159 --> 02:04:29.840 K H Windows Indoors has been in business for sixty 2511 02:04:29.880 --> 02:04:34.079 eight years. They opened in nineteen fifty six. That's pretty amazing. 2512 02:04:34.560 --> 02:04:40.119 In fact, I want to says Henry, I can't think 2513 02:04:40.119 --> 02:04:42.920 of his last name. Henry started in nineteen fifty six. 2514 02:04:43.239 --> 02:04:45.720 And then of course Ted Rowland, who Susanna and I. 2515 02:04:46.640 --> 02:04:50.399 I love Ted. He's got like five hundred jumps toe. 2516 02:04:50.520 --> 02:04:53.600 He's a skydiver, just a very interesting guy. But he 2517 02:04:53.800 --> 02:04:58.199 retired and then Lee Diamond took over and they just 2518 02:04:58.279 --> 02:04:59.880 do a bang up job. Think about that A com 2519 02:05:00.039 --> 02:05:02.680 and he've been around that long. And the windows are 2520 02:05:02.840 --> 02:05:06.560 auping Alpeen and those are the windows made right here 2521 02:05:06.600 --> 02:05:10.840 in Colorado, mister emailer, So simple as that. Check them 2522 02:05:10.840 --> 02:05:14.079 out khwindows dot com. That's the easiest way. I think 2523 02:05:14.159 --> 02:05:17.840 that's exactly where I found out how long khwindows dot com. 2524 02:05:18.399 --> 02:05:22.359 Now I've got two attorneys up, and I'm trying to 2525 02:05:22.399 --> 02:05:24.560 think who I want to go to first. So John, 2526 02:05:24.640 --> 02:05:27.560 do me a favor and just hang real tight, because 2527 02:05:27.560 --> 02:05:29.199 I want to go to Brad O'Brien just on a 2528 02:05:29.279 --> 02:05:31.960 quick HOA issue. Then I want to talk about liability 2529 02:05:32.000 --> 02:05:34.600 with John. Two different things because I know Brad won't 2530 02:05:34.600 --> 02:05:37.399 get into the liability. Hey Brad, this one's pretty simple, 2531 02:05:37.439 --> 02:05:39.880 or I'm going to make it simple. So Monica is 2532 02:05:39.960 --> 02:05:43.279 in inn hoa, She's in a condo, okay, And what 2533 02:05:43.479 --> 02:05:47.279 happened is she was remodeling her house. The lady on 2534 02:05:47.399 --> 02:05:50.039 top of her and I have no idea what happened, 2535 02:05:50.079 --> 02:05:53.319 nor does she, but she had flood damage and she 2536 02:05:53.479 --> 02:05:56.600 had ended up doing two different claims over a period 2537 02:05:56.640 --> 02:05:59.880 of time. And the woman who lived above her would 2538 02:05:59.880 --> 02:06:03.479 not share insurance information, basically told her to pound sand, 2539 02:06:03.479 --> 02:06:06.640 wouldn't do anything. So she turns it into her own 2540 02:06:06.800 --> 02:06:11.000 insurance company. Her own insurance company, according to Monica, who 2541 02:06:11.039 --> 02:06:12.840 I'm going to bring up if you have any questions 2542 02:06:12.920 --> 02:06:17.079 for Brad, her own insurance company basically says this and 2543 02:06:17.279 --> 02:06:20.000 sends her a letter. And what did the letter say? Monica? 2544 02:06:20.159 --> 02:06:22.720 Just just say say what it said again? 2545 02:06:24.840 --> 02:06:28.880 Sure, it basically said that we are denying liability of 2546 02:06:29.000 --> 02:06:32.560 our client. And the reasoning is and I can read 2547 02:06:32.560 --> 02:06:34.039 it to you. Could I have it right here? Yeah, 2548 02:06:34.079 --> 02:06:37.960 read this during our investigations. During our investigation, we found 2549 02:06:37.960 --> 02:06:41.279 that the governing documents contain a waiver of subrogation precluding 2550 02:06:41.399 --> 02:06:45.039 recovery against our insured and so that's why they denied 2551 02:06:45.039 --> 02:06:45.399 the claim. 2552 02:06:45.560 --> 02:06:47.960 So Brad, first of all, have you ever heard this before? 2553 02:06:48.119 --> 02:06:52.600 I don't understand how one insurance company going after another 2554 02:06:52.800 --> 02:06:57.439 insurance company for subrogation would be affected by an HOA document, 2555 02:06:57.520 --> 02:06:59.479 But it sounds like it could very well happen. 2556 02:07:00.800 --> 02:07:03.199 Wait, this is a response from the insurance company of 2557 02:07:03.279 --> 02:07:06.880 the upstairs neighbor who caused the water damage. Yes, okay, 2558 02:07:06.920 --> 02:07:08.840 so not her own insurance company, yeah. 2559 02:07:08.720 --> 02:07:12.319 The one upstairs. So in other words, her insurance company 2560 02:07:12.399 --> 02:07:16.680 paid for everything, and then they apparently tried to subrogate 2561 02:07:16.760 --> 02:07:19.359 the claim, went after the other one. And then here's 2562 02:07:19.359 --> 02:07:23.399 another part I don't understand. Monica receives that letter from 2563 02:07:23.439 --> 02:07:27.359 that insurance company. At that point, I would assume during 2564 02:07:27.479 --> 02:07:35.159 subrogation it's two insurance companies dealing with each other, right, Yeah. 2565 02:07:36.560 --> 02:07:39.159 Without getting into the sebregation stuff just yet, I would 2566 02:07:39.239 --> 02:07:41.479 have to say that primarily this is a dispute between 2567 02:07:41.479 --> 02:07:45.279 the two unit owners. The upstairs unit owner is going 2568 02:07:45.319 --> 02:07:47.800 to be liable for the property damage caused by flooding 2569 02:07:48.000 --> 02:07:52.279 to the downstairs unit owner, and those are the parties 2570 02:07:52.479 --> 02:07:54.800 to a lawsuit. If there's going to be a lawsuit, 2571 02:07:54.920 --> 02:07:56.840 well I think there is going to be but parties. 2572 02:07:57.000 --> 02:07:59.600 But if you ever heard of an HOA document, it's 2573 02:07:59.600 --> 02:08:02.319 going to have any any say in the matter. When 2574 02:08:02.359 --> 02:08:07.319 it comes to subrogation, off top of. 2575 02:08:07.359 --> 02:08:11.239 Head, I can't recall that subrogation is in typically in 2576 02:08:11.359 --> 02:08:14.279 a declaration of an H two A. They could be 2577 02:08:14.439 --> 02:08:16.279 there's nothing. I don't think there's anything prohibiting it. 2578 02:08:16.760 --> 02:08:20.119 Well, okay, then then then why wouldn't we all just 2579 02:08:20.279 --> 02:08:22.239 have a subrogation clause in everything? 2580 02:08:23.600 --> 02:08:28.199 Well, subrogation cause clauses are in a lot of contracts, 2581 02:08:28.239 --> 02:08:32.159 and they basically say that if something is covered by insurance, 2582 02:08:33.840 --> 02:08:40.319 then you can't go after the plum. Yeah, you can't 2583 02:08:40.319 --> 02:08:43.760 go after the individual. You can't go after the other 2584 02:08:43.800 --> 02:08:45.079 parties insurance company. 2585 02:08:47.319 --> 02:08:50.319 So okay, it's just so different in an auto accident. 2586 02:08:50.560 --> 02:08:53.000 And I'm going to talk to John Fuller afterwards, but 2587 02:08:53.079 --> 02:08:56.680 I can't imagine in an auto accident having a policy 2588 02:08:56.760 --> 02:08:59.680 where you agree not to subrogate. So you pay a 2589 02:08:59.720 --> 02:09:03.520 two one thousand dollars deductible or a five thousand dollars deductible, 2590 02:09:03.600 --> 02:09:06.279 whatever it is, you get the money for your Mercedes 2591 02:09:06.399 --> 02:09:09.399 or whatever you're driving, and all of a sudden, your 2592 02:09:09.479 --> 02:09:13.279 insurance company can't go after the other person's insurance company 2593 02:09:13.520 --> 02:09:16.039 and you're the one left holding the bag on everything. 2594 02:09:16.640 --> 02:09:19.319 Yeah, well, keep in mind, this is not the caller's 2595 02:09:19.399 --> 02:09:22.119 own insurance company. This is the other party's insurance company, 2596 02:09:22.479 --> 02:09:25.199 who is not a party to the property damage. 2597 02:09:25.199 --> 02:09:27.000 No, but I guess what I'm saying is, if she 2598 02:09:27.199 --> 02:09:29.880 hired an attorney, Let's say she hired you, and she 2599 02:09:30.079 --> 02:09:34.439 goes after this lady personally above. If now this lady's 2600 02:09:34.479 --> 02:09:37.720 got to defend a lawsuit, I would assume that the 2601 02:09:37.960 --> 02:09:40.439 insurance company would have to step up and try to 2602 02:09:40.560 --> 02:09:43.800 defend her. Now, they might use that, they might use 2603 02:09:43.880 --> 02:09:48.520 that hoa document as some kind of defense, but they're 2604 02:09:48.560 --> 02:09:52.000 still going to probably have to get up there in defender. 2605 02:09:52.159 --> 02:09:57.239 Right, Well, that's kind of irrelevant to the color because 2606 02:09:57.279 --> 02:09:59.880 insurance companies and property damage claims are in the back. 2607 02:10:00.319 --> 02:10:04.319 They're not the principal parties. Right, You don't sue the 2608 02:10:04.399 --> 02:10:06.439 other party's insurance company, you don't typically know. 2609 02:10:07.039 --> 02:10:10.079 What I'm saying is, if Monica actually sued, I'm going 2610 02:10:10.159 --> 02:10:12.600 to call her. I'm going to call her bitch. If 2611 02:10:12.680 --> 02:10:17.399 she actually sued, bitch, and then and then bitch got 2612 02:10:17.520 --> 02:10:19.920 served and had to go to court. And I'm not 2613 02:10:20.079 --> 02:10:22.199 kidding around. I mean, this lady wouldn't give her any 2614 02:10:22.279 --> 02:10:25.600 information or whatever. So now she's got a notice to appear, 2615 02:10:25.920 --> 02:10:28.319 and she's got to appear. If she does have insurance, 2616 02:10:28.520 --> 02:10:31.920 I would assume she would call her insurance company and say, hey, 2617 02:10:32.199 --> 02:10:34.960 you guys got to kick in my liability coverage because 2618 02:10:35.079 --> 02:10:37.720 Monica is suing me and I just got served. 2619 02:10:40.199 --> 02:10:44.520 Yeah, and then that starts an insurance coverage review from 2620 02:10:44.560 --> 02:10:47.920 the other party's insurance company to see if this leak 2621 02:10:48.159 --> 02:10:50.199 or flood is covered under the insurance. 2622 02:10:50.359 --> 02:10:53.119 But you're saying part of the defense might be, and 2623 02:10:53.239 --> 02:10:55.159 I know you haven't read any of these, but part 2624 02:10:55.199 --> 02:10:57.760 of the defense if we go down that road and 2625 02:10:57.880 --> 02:10:59.880 there is a lawsuit and there is a day in 2626 02:11:00.039 --> 02:11:02.840 court and everybody shows up and attorneys are talking and 2627 02:11:02.880 --> 02:11:06.119 all that good stuff you're saying, you think it would 2628 02:11:06.199 --> 02:11:10.319 be possible that in that HOA document there would be 2629 02:11:10.439 --> 02:11:14.399 a reason why, because Monica got paid by her own 2630 02:11:14.520 --> 02:11:18.760 insurance company, that they could not subrogate. In other words, 2631 02:11:18.800 --> 02:11:23.760 the HOA doctrine could actually spell out, no, you can't 2632 02:11:23.840 --> 02:11:26.199 your insurance company can't go after the other one. 2633 02:11:26.840 --> 02:11:28.960 Yeah. I can't speak to that because typically a SEB 2634 02:11:29.239 --> 02:11:32.399 waiver of sebregation is in a contract between two parties. 2635 02:11:32.840 --> 02:11:34.720 And not two insurance companies. 2636 02:11:35.960 --> 02:11:36.119 Right. 2637 02:11:36.319 --> 02:11:39.319 Yeah, That's where I keep going back to. I don't 2638 02:11:39.319 --> 02:11:44.760 know how this outside document, this, this outside HOA document stops, 2639 02:11:44.840 --> 02:11:50.279 for example, only all state subrogating against Safeco. I just 2640 02:11:50.359 --> 02:11:51.880 don't understand how that would work. 2641 02:11:52.319 --> 02:11:55.199 That's what I'm getting to. Declaration is between the HOA 2642 02:11:55.359 --> 02:11:59.920 and its members, and sort of sometimes tangentially has had 2643 02:12:00.039 --> 02:12:05.439 an effect between co members. But I'm just not familiar 2644 02:12:05.520 --> 02:12:08.319 with any kind of having ever seen a waiver of 2645 02:12:08.439 --> 02:12:12.319 sebrogation in a declaration that would apply between two different 2646 02:12:12.359 --> 02:12:12.840 unit owners. 2647 02:12:13.000 --> 02:12:13.039 Go. 2648 02:12:13.479 --> 02:12:15.720 I think I can see how it applied between an 2649 02:12:15.880 --> 02:12:18.520 HUA and each individual member that relationship. 2650 02:12:18.720 --> 02:12:21.159 Yeah, of course. In other words, if there was damage, 2651 02:12:21.600 --> 02:12:24.319 you know, somehow because of the roof or a common 2652 02:12:24.399 --> 02:12:28.199 area or something, you can't subrogate against the HOA and 2653 02:12:28.319 --> 02:12:30.439 you agree to that living in that HOA. 2654 02:12:31.079 --> 02:12:34.800 Yeah, so up there neighbor and downstairs neighbor. I just can't. 2655 02:12:35.000 --> 02:12:38.359 I think it does sound weird that a declaration would 2656 02:12:38.560 --> 02:12:41.800 have a sebrogation waiver between those two different things. 2657 02:12:41.880 --> 02:12:43.880 I think they wrote it to her simply an out 2658 02:12:43.920 --> 02:12:46.000 saying hey, we're not going to pay. I don't even 2659 02:12:46.079 --> 02:12:49.319 know if they dealt with the other company she might, well, no, 2660 02:12:49.479 --> 02:12:53.600 they're they're pointing out the hoa stuff. It's crazy, but it's. 2661 02:12:53.319 --> 02:12:56.239 Quite common for another the other party's insurance company to 2662 02:12:56.319 --> 02:13:01.560 say no and deny it because that's their Sander practice. 2663 02:13:01.600 --> 02:13:03.319 Well because ultimately, and I got to put you on 2664 02:13:03.359 --> 02:13:06.079 the hold by the way, Brad O'Brien. Anything to do 2665 02:13:06.159 --> 02:13:08.560 with property, and that's why we have him on right now. 2666 02:13:08.920 --> 02:13:11.279 Anything to do with property, to look over a lease, 2667 02:13:11.359 --> 02:13:13.960 to create a lease, you name it, this guy does it. 2668 02:13:14.039 --> 02:13:16.520 He's our expert. I'm just running out of time, Brad. 2669 02:13:16.800 --> 02:13:21.680 But seven two zero three seven zero seven three eight eight, 2670 02:13:21.840 --> 02:13:25.119 that's Brad O'Brien and John Fuller really quick. I don't 2671 02:13:25.119 --> 02:13:27.399 know if you've ever you've been listening to this, but John, 2672 02:13:27.680 --> 02:13:30.920 here's the other question I have for you. She got canceled, 2673 02:13:30.960 --> 02:13:34.439 and Brad, keep listening for a second. Her insurance canceled 2674 02:13:34.479 --> 02:13:37.760 her because she had multiple claims, and all the multiple 2675 02:13:37.920 --> 02:13:41.079 claims were due to the lady upstairs not giving the 2676 02:13:41.199 --> 02:13:45.880 insurance information. So she got canceled on her homeowner's policy 2677 02:13:46.079 --> 02:13:50.439 or her condo policy. Could she possibly go after that 2678 02:13:50.640 --> 02:13:54.720 woman for that kind of damage, meaning the reason she 2679 02:13:54.960 --> 02:13:57.720 can't get insured? Right, now is because of her Forget 2680 02:13:57.800 --> 02:14:00.720 about the dollar amount. Let's pretend the new one is 2681 02:14:00.840 --> 02:14:04.079 five thousand dollars more. Could she go after that lady 2682 02:14:04.199 --> 02:14:06.199 for five grand in your opinion? 2683 02:14:07.680 --> 02:14:12.520 Well, probably not. But here's the thing, Mark, I mean, listen, 2684 02:14:12.640 --> 02:14:15.159 you're asking Brad to just, you know, guess on what 2685 02:14:15.319 --> 02:14:18.439 these documents say. Yeah, the answer to your question is 2686 02:14:18.640 --> 02:14:21.960 in these documents. Okay. I don't know if the mistake 2687 02:14:22.039 --> 02:14:24.680 that this lady may was using her own insurance company, 2688 02:14:25.039 --> 02:14:28.520 and perhaps the HOA documents keep. You know, we don't 2689 02:14:28.560 --> 02:14:30.520 want to end up having a leak that ends up 2690 02:14:30.560 --> 02:14:34.399 in seven different lawsuits being filed between the super upstairs 2691 02:14:34.479 --> 02:14:36.479 person to the one below them, to the one below 2692 02:14:36.560 --> 02:14:38.399 them to the one below them. I mean, I could 2693 02:14:38.439 --> 02:14:41.239 see why they would say to each his own you know, 2694 02:14:41.479 --> 02:14:45.079 let's not allow these insurance companies to go declare war 2695 02:14:45.199 --> 02:14:46.359 on each other because it's. 2696 02:14:46.279 --> 02:14:47.239 Just going to be a mess. 2697 02:14:47.800 --> 02:14:52.239 But so that John, listen, John, you fill in for us, 2698 02:14:52.279 --> 02:14:54.159 so you know why I'm doing this. I am up 2699 02:14:54.239 --> 02:14:56.800 against it. If I can get you on in the morning, 2700 02:14:56.920 --> 02:14:59.399 and same with you, Monica. In the meantime, I got 2701 02:14:59.520 --> 02:15:02.199 to take this break. Brad O'Brien I thank you, and 2702 02:15:02.279 --> 02:15:06.520 then Kelly, please get Monica's information. I wanted to send 2703 02:15:06.600 --> 02:15:10.039 over the denial letter, the HOA stuff. Please