Speaker 1: Ripped news, need advice? Who you don't have? Come run
Speaker 1: anxious as fast as we can. Shooter's gonna help me.
Speaker 2: Come, man, this is the Troubleshooter Show. No Tom Martinez, Welcome,
Speaker 2: Welcome to the only show of it's kind. We're here
Speaker 2: to solve problems, answer questions, take your complaints. My goal
Speaker 2: and our goal is to make your life a little
Speaker 2: bit better. You've been ripped off or taking advantage of
Speaker 2: I want to hear from you. That is what this
Speaker 2: shows about. I love sinking my teeth into the bad guys,
Speaker 2: maybe a bad contractor maybe a bad landlord, a bad doctor,
Speaker 2: you name it. I want to help you. And on
Speaker 2: top of that, we got a list of experts at
Speaker 2: referral list dot com that are better than anybody out there.
Speaker 2: I'll just say it. In fact, if you're looking for
Speaker 2: a vendor, if you're looking for an a turn need
Speaker 2: to use, if you're looking for anything along those lines,
Speaker 2: you go to referral list dot com. I'll simply say
Speaker 2: that I'm also going to add the worst of the worst.
Speaker 2: You know where that is? Where is that, Suzanne? Where
Speaker 2: do we list the worst of the worst?
Speaker 3: Sleez Brigade dot com.
Speaker 2: By the way, Don Ailey, does anybody remember Don Iiley?
Speaker 2: Don Iiley screwed over not only some of our people,
Speaker 2: meaning people on referral list and people around the state
Speaker 2: of Colorado, small businesses. He was an accountant that would
Speaker 2: file bogus tax returns and basically the business got held,
Speaker 2: but the business got left hold in the bag. That
Speaker 2: was the bottom line. He would basically tell the Feds
Speaker 2: that a small business had zero employees, but he would
Speaker 2: take the payroll proceeds each month out of that business's
Speaker 2: bank account and tell them that they paid the Feds.
Speaker 2: After five or ten years, the Feds figured out what
Speaker 2: was going on. They came after him, and they went
Speaker 2: after the businesses. He got twelve and a half years
Speaker 2: in federal in the federal pen. Why am I talking
Speaker 2: about him? You know what I heard? I got an
Speaker 2: email from somebody. Oh yeah, you remember that. Oh yeah,
Speaker 2: he's dead. Apparently he died. He met his maker somewhere
Speaker 2: in prison. Of course, he's only been in four or
Speaker 2: five years. I don't know if he was murdered. I
Speaker 2: don't know if he hung himself, but quite honestly, I
Speaker 2: don't care.
Speaker 4: He ruined a lot of lives, mark marriages, divorces, suicide,
Speaker 4: suicides is terrible.
Speaker 2: We had one guy own a business ended up blowing
Speaker 2: his head off after Di Niley destroyed the entire business.
Speaker 2: So quite frankly, I'm glad he's six feet in the ground.
Speaker 3: Good riddance.
Speaker 5: Yeah.
Speaker 2: We tried to look up what happened, but when you're
Speaker 2: in a federal prison and you die, it's not exactly
Speaker 2: easy to find information. So I don't know what else
Speaker 2: to say. But if anybody out there does know how
Speaker 2: he died, I'd love to hear it. I would love
Speaker 2: to hear how that man died. He screwed so many people,
Speaker 2: He caused deaths, and he destroyed families. So that's it.
Speaker 2: And there's still ten million dollars missing. I don't know
Speaker 2: who has it, no idea, but.
Speaker 4: Here's what the folks he took money from, they still
Speaker 4: were left holding the bag, paying not.
Speaker 2: Money before he went to court. Oh they're still paying
Speaker 2: til this day.
Speaker 3: That's sad.
Speaker 2: I went down there. In fact, on our Facebook page,
Speaker 2: I went down to his office. This is way pre COVID,
Speaker 2: and he was the only one in this office. It
Speaker 2: was like half a floor of a big building. It
Speaker 2: had to be five thousand square feet, twenty thirty forty offices,
Speaker 2: big conference room, big reception area, the whole bit. I
Speaker 2: walked in there not one person in there, and I'm
Speaker 2: Facebook Live at the time. One guy walks out of
Speaker 2: one office and the entire thing. It was Don Eiley,
Speaker 2: and I confronted him. He had nothing to say, of course,
Speaker 2: and basically at some point told me I had to
Speaker 2: get out. I was stresspassing. But anyhow, that's what we
Speaker 2: do here. I love going after the bad guys. I'll
Speaker 2: always let you know when lines are open. Right now,
Speaker 2: we have two open three oh three seven to one,
Speaker 2: three eight two five five in the studio with me,
Speaker 2: my beautiful wife Suzanne, Deputy dollar counting background. We have
Speaker 2: Deputy Dmitri. He's our trash man. What do you think
Speaker 2: of that, Deputy?
Speaker 6: Yeah, I really like that.
Speaker 2: I like to he's in the recycling business. He makes
Speaker 2: problems disappear good. You like that, yeah, okay. And then
Speaker 2: of course we have Kelly on the other side of
Speaker 2: the glass and Shannon running the board. We'd love to
Speaker 2: hear from you three oh three seven to one, three eight,
Speaker 2: two five five before I go to Clayton he's got
Speaker 2: a problem with the roofing contractor Clayton. You'll be first,
Speaker 2: and then Ray has got a question on wills and probate.
Speaker 2: We might get one of our attorneys on at refralist
Speaker 2: dot com. But doctor Joel Cherdak is in with me.
Speaker 2: He's the owner of Denver regen dot com. What's going on, doc?
Speaker 2: Hey Marko morning, Good morning, sir. We're gonna dive into
Speaker 2: something I'm doing through you guys. I'm not going to
Speaker 2: do it right now, but it's very exciting. I can't
Speaker 2: wait to talk about it. And I also want to
Speaker 2: dive into a study with you that I was reading yesterday.
Speaker 2: I think it came out over the weekend, and it's
Speaker 2: basically saying, if you drink any amount of alcohol at all,
Speaker 2: your risk of getting cancer is high. That is how
Speaker 2: I have read it on CBS, NBC, ABC, CNN, Fox
Speaker 2: had a little different take on it, and then some
Speaker 2: other articles. But I assume you know what I'm talking
Speaker 2: about on this study.
Speaker 7: Yeah, I'm pretty familiar with it.
Speaker 2: I can't wait to dig into that because there's a
Speaker 2: lot of people out there going see you tell me
Speaker 2: I have a glass of wine at dinner on Friday.
Speaker 2: I'm going to die of cancer. I really do want
Speaker 2: to get into that. But before we dive into that, Hey,
Speaker 2: what's going on, Clayton, Clayton, you're up, sir?
Speaker 8: Hi?
Speaker 9: Hey, yes, I do have a problem with a riffing companies.
Speaker 9: They came in, did my roof would didn't do a
Speaker 9: good job. When I try to add to repeat on
Speaker 9: me to redo it, all you want to do is
Speaker 9: argue with me.
Speaker 2: Hey, Clayton, let's start. Let's start with some basics. When
Speaker 2: was the roof done?
Speaker 10: Just roughlyly in July?
Speaker 2: So in July you hired these roofers, Like after a
Speaker 2: hailstorm or was it a cash deal? Why were they
Speaker 2: there after a healthstorm? Okay, so you had heal damage,
Speaker 2: you contacted your insurance or a roofer. It got approved,
Speaker 2: The roofer comes out, they do the roof. Now, when
Speaker 2: you said you didn't like what was not done or
Speaker 2: how it was done, get a little more specific for me,
Speaker 2: like when they were finished or thought they were finished.
Speaker 2: What was wrong with it?
Speaker 9: It looked like it was an old job though, what
Speaker 9: does that mean? One of the one of the employees,
Speaker 9: he told me that the shingles was old, but he said,
Speaker 9: so that he don't.
Speaker 5: Get in trouble.
Speaker 9: He said, if I bring that up to his boss,
Speaker 9: he would not.
Speaker 2: Wait a second, agreed. I'm trying to understand what you're saying.
Speaker 2: So tell me if I've got this right. One of
Speaker 2: the subcontractors, or I assume is the sub someone that
Speaker 2: was working on your roof, said that the shingles were old.
Speaker 2: When you say old, you mean they were still new,
Speaker 2: but they were old, or you saying they were using
Speaker 2: like used shingles.
Speaker 9: He didn't say pacific. Only thing he What he did
Speaker 9: is he came and replaced a couple of with like
Speaker 9: five shingles, and he said that those shingles were not
Speaker 9: too good.
Speaker 2: Oh wait a second, wait a second, I'm sorry. I
Speaker 2: I thought the entire claim would cover the whole roof.
Speaker 2: Was it just a small section of the roof?
Speaker 5: No, No, they covered the whole roof. They did the
Speaker 5: whole room.
Speaker 2: So wait a minute, and what do you mean by
Speaker 2: he put a few on there that looked old? I
Speaker 2: don't get that.
Speaker 9: Uh So what he did was when I told him
Speaker 9: that the shingles wasn't right.
Speaker 2: And so wait wait wait, Clayton, Clayton, I'm sorry, to
Speaker 2: keep interrupting, but I really got to understand. So when
Speaker 2: you looked up when the roof was done, and you're
Speaker 2: telling me it's not right, what do you mean by
Speaker 2: that it was the wrong color? They looked old? What
Speaker 2: when you said they're not right? What did you mean.
Speaker 5: It was the right color?
Speaker 9: But what happened is it looked like.
Speaker 5: The tip of it was like.
Speaker 11: It.
Speaker 9: It looked like the chinger would be in there for
Speaker 9: a long time. I mean it was like the lift up.
Speaker 9: It would kind of like up. And he said, that's
Speaker 9: the way the chingo's supposed to look and supposed to
Speaker 9: give it the old look instead of a new.
Speaker 2: It's supposed to That's really what he said. It's supposed
Speaker 2: to give an old look instead of a new look.
Speaker 5: That's exactly what he told me.
Speaker 2: What was this company called? Who was it?
Speaker 5: Robin Hood Roofing?
Speaker 2: In What area are you at?
Speaker 5: I mean Denver, the Mombella area.
Speaker 2: Okay, hold on a second, let me get on hold.
Speaker 2: I got to take this break. I'm going to come
Speaker 2: back to you right after this. Ray Hold on two
Speaker 2: lines open three seven, one, three eight, two five five,
Speaker 2: and Kelly, I would like you to get Jay brats
Speaker 2: On or Henry brats I would appreciate that. Everybody, hold tight.
Speaker 2: We're gonna get to the bottom of this. I mean,
Speaker 2: I've never heard of this. You've had some roofing experience,
Speaker 2: doctor Joel, You've you know, in your past. I mean,
Speaker 2: if you ever heard of anything like that. It's supposed
Speaker 2: to look old. That's that's what we're selling you. Is
Speaker 2: a shingle that's meant to look old.
Speaker 7: That seems ridiculous.
Speaker 2: I've never heard anything like it. Hold on, man, there
Speaker 2: is a lot.
Speaker 11: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 11: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank Durant, the real estate man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 2: Going on in the news. By the way, we're going
Speaker 2: to dig into some of it, but right now we're
Speaker 2: trying to get one of our roofing companies on. But
Speaker 2: I don't care what anybody says. Kelly, did you try
Speaker 2: to reach out to those guys?
Speaker 12: They haven't responded yet, but I'm working on it.
Speaker 2: We should hear back the other one. Let's try down
Speaker 2: in Colorado Springs. Who are our friends down there, Suzanne?
Speaker 2: But trolley? But what's his name? I like, yeah, see
Speaker 2: if we can get O'Malley on. He's a great roofer
Speaker 2: down in the Springs, really good people. But here's the deal.
Speaker 2: If you're just joining this. Clayton hired Robin Hood roofing.
Speaker 2: These guys came out, did the roof. He looks up
Speaker 2: at it and the roof just simply doesn't look good
Speaker 2: to you, right, Clayton.
Speaker 5: Right, that's correct.
Speaker 2: And the guy says, he's saying.
Speaker 9: That that they tore it a siding off the house.
Speaker 5: Yeah, if he placed it with the two by four,
Speaker 5: they call it good.
Speaker 2: Well, So right now, if you said you a picture,
Speaker 2: I mean, the side of your house is a two
Speaker 2: by four, that's hard to believe.
Speaker 9: If you that you would come and see it, you'll
Speaker 9: see I couldn't. I was like, why didn't you just
Speaker 9: put a regular sighting. But he just put a two
Speaker 9: by four on the side in two areas and then
Speaker 9: didn't even paint it.
Speaker 2: This doesn't wait a minute, Clayton. Sometimes I get calls
Speaker 2: where I just start scratching my head. First of all,
Speaker 2: you're telling me this roofing company, Robinhood Roofing, they came out,
Speaker 2: they did the roof. You look up on it, and
Speaker 2: some of the shingles, for lack of a better word,
Speaker 2: look old. They're curling up, they look like they've been
Speaker 2: sitting in the sun forever. They just look old. So
Speaker 2: you ask them about it, and the person there on
Speaker 2: their behalf Robin Hood Roofing employees or subcontractors, whatever it is,
Speaker 2: tells you those shingles are meant to look old, right.
Speaker 5: Right after the manager told me that.
Speaker 2: So then after wait a minute, then after the manager
Speaker 2: tells you these shingles are made to look old, and
Speaker 2: these are just assphold shingles like most roofs.
Speaker 5: Right yeah.
Speaker 2: So after you bring that up, not only does he
Speaker 2: tell you that, but then you point out where some
Speaker 2: siding was on your house. Is this a house or
Speaker 2: is this like a barn? So on the siding, they
Speaker 2: remove the siding when they were doing the roof or
Speaker 2: doing some other work, and they replaced it with just
Speaker 2: wood that they didn't even paint correct. This is crazy.
Speaker 2: Does anybody in this room believe this? I mean, I'm
Speaker 2: not calling you a liar by any means, Clayton, I
Speaker 2: just can't believe what clowns these people are. In fact,
Speaker 2: before I go any further with these guys and let
Speaker 2: everybody know what Robin Hood Roofing possibly has done, Kelly,
Speaker 2: let's try to reach out to these guys and give
Speaker 2: them an opportunity. So here's what I would like, real quick, Clayton,
Speaker 2: I'm gonna put you on hold, take another call. You're
Speaker 2: gonna give Kelly the information you have. If you have
Speaker 2: the sales guy's name, the phone number, the manager, the owner,
Speaker 2: give the best information. And if you have a couple
Speaker 2: phone numbers, that would be great. Kelly's going to try
Speaker 2: to get them to come on the air because I
Speaker 2: would love to hear what they have to say about it.
Speaker 2: It's going to be one of two things. Number one,
Speaker 2: they're total clowns and they actually did all this, and
Speaker 2: they don't have much money in their upside down option
Speaker 2: number two. Option number two would be Clayton's stretching it.
Speaker 2: He really believes the roof doesn't look good and he
Speaker 2: wants it redone, and they're saying it is fine. I
Speaker 2: do want to ask him one thing, Hey, Clayton, did
Speaker 2: it pass inspection?
Speaker 5: We never seen the instruction on paper.
Speaker 2: You've never seen it at all. Do you know if
Speaker 2: they pulled a permit? Did you see a permit on
Speaker 2: your house?
Speaker 5: They never did a permit either, So there.
Speaker 2: Was never a permit anywhere on your house, like on
Speaker 2: the garage door or post it anywhere?
Speaker 5: Oh? Nothing?
Speaker 2: How much did the insurance company pay them, guys? Eighteen
Speaker 2: eighteen thousand? Hold on, this is crazy. You know I've
Speaker 2: been wanting something to go after. This is driving me nuts, Kelly.
Speaker 2: I'm gonna leave them on hold, please, like right now,
Speaker 2: try to figure out. Get one of them on. Let's
Speaker 2: see if these guys come on this Robin Hood. I mean,
Speaker 2: this is this is absolutely insane. Hey, Ray, what's going
Speaker 2: on with you? It looks like you got a question
Speaker 2: on a will?
Speaker 13: Yeah, I just need to know what kind of advice
Speaker 13: what to follow. My mom died a couple of weeks ago.
Speaker 13: She had a will, complete will or whatever thing she
Speaker 13: wanted to done. She has no real estate, it's just
Speaker 13: a little bit of cash. It's around one hundred thousand,
Speaker 13: so I guess that's the amount has to go through
Speaker 13: probate before it's dispersed.
Speaker 2: So in the will everything's left to you. I'm asking
Speaker 2: you that. Or do you have siblings? How does that look.
Speaker 13: If divided among the siblings?
Speaker 2: And how many are there? Yeah, I don't think there's
Speaker 2: a way to get out of probate. And on the
Speaker 2: bank account itself, no one was listed after her if
Speaker 2: if she met her demise like she did.
Speaker 13: No, huhh, it's the bank. Most of your money's in Nebraska.
Speaker 13: But she lived in Colorado, but she moved for Nebraska
Speaker 13: and just left her money there. So that's but it's
Speaker 13: just in her name.
Speaker 2: It's just in her name, one hundred percent. I wonder
Speaker 2: why she didn't list a beneficiary I I want to
Speaker 2: get I don't think really there's much to do. You
Speaker 2: got to go into probate. Who's in charge of the will?
Speaker 2: Who did she list?
Speaker 13: My brother? Then my sister's next in mine if he
Speaker 13: doesn't do it well, and.
Speaker 2: Are they simply not doing it? Why are you making
Speaker 2: the call today? And I'm going to get Brad O'Brien
Speaker 2: on or I'm sorry, I'm going to get mackenzie on
Speaker 2: to talk about it.
Speaker 13: My brother's gone overwhelmed. He don't know what to do,
Speaker 13: he said, he just wants to give it to the
Speaker 13: lawyer and handle I. So if you do that, the
Speaker 13: money's going to be gone.
Speaker 2: It's not you know, well, I don't know about that necessarily.
Speaker 2: I'm not exactly sure how much that would cost. But
Speaker 2: what I would like to do is we'll get Dan
Speaker 2: McKenzie on. Hold on, I'm going to get one of
Speaker 2: our experts on. We're going to get Dan McKenzie and
Speaker 2: ask them. Not only that, we're going to kind of
Speaker 2: ask him how much to go through probate with a
Speaker 2: with an attorney and what are the other options. Let's
Speaker 2: hear that from them. Is there something your brother can
Speaker 2: do or is there something your sister can do or
Speaker 2: you can do that would cost a little or next
Speaker 2: to nothing. But let's figure out those answers. I'm sure
Speaker 2: there is a way for people to do it themselves.
Speaker 2: I mean, there's no doubt about it. Whether or not
Speaker 2: you guys are capable of that. Maybe you'll decide after
Speaker 2: we talked to Dan McKenzie. Now doctor Joel in studio.
Speaker 2: We got two lines open three O three seven one
Speaker 2: three eight two five five. We're waiting on Kelly to
Speaker 2: talk to that roofing company. So doctor Joel, I want
Speaker 2: to tell you something. I don't mind talking about this
Speaker 2: on air. I talked to Suzanne about it, and I
Speaker 2: don't mind it all. I started try try zeppetide. How
Speaker 2: do you put it? Tears zepetide, tar zepetide t E
Speaker 2: r t I r t I r turs zeppiptide. That's
Speaker 2: going to kill me every Why do they name medications
Speaker 2: so ridiculous? If you look at cars, most cars are
Speaker 2: named very simple, like take Tesla model as model X.
Speaker 2: But medications they have like fourteen syllables and no one knows.
Speaker 2: They're all made up, right, I mean, it's that's made up.
Speaker 7: It's made up.
Speaker 2: Yeah, it's crazy. Anyhow, I digress. Here's the bottom line.
Speaker 2: I went on it. I started it Wednesday, last Wednesday.
Speaker 2: And what it is and I'll have you explain it.
Speaker 2: In fact, you explain what it is first.
Speaker 7: Well, what it's called is a GLP one. A lot
Speaker 7: of people have probably heard that term GLP one medication,
Speaker 7: which stands for glucagon like protein and all that is. Glucagon.
Speaker 7: Protein is a protein your body makes when you have
Speaker 7: enough food, when you feel hungry.
Speaker 2: So, the best way that I can describe it, now
Speaker 2: that I'm on it, everybody out there has sat down
Speaker 2: and had more than they can chew. They've had a
Speaker 2: big Thanksgiving dinner, they ate too many slices of pizza.
Speaker 2: They ate the pizza then followed it up with a
Speaker 2: bag of the ritos. Whatever it is, you're too freaking full,
Speaker 2: and your stomach tells your brain you can't get another
Speaker 2: bite in. I mean literally, you feel so full it's crazy.
Speaker 2: It's like after Thanksgiving dinner. What I have noticed about this?
Speaker 2: And I am amazed, amazed. Not even a weekend tomorrow
Speaker 2: be a week I've only had one shot last Wednesday morning.
Speaker 2: I don't feel hungry. I almost wonder if there's some
Speaker 2: form of a placebo effect happening to me, but I
Speaker 2: simply don't feel hungry now. I have intermittently fasted along
Speaker 2: with my wife for many years. There's been years we
Speaker 2: have only eaten once a day. Now. I haven't done
Speaker 2: that for a while, but generally we never eat in
Speaker 2: the mornings. We just don't. Will end up e for
Speaker 2: on a trip or something, we will, but generally we don't.
Speaker 2: And I weighed starting at two twenty five. Okay, I
Speaker 2: am down under two fifteen. Now I'm down twelve pounds
Speaker 2: in six days. But I'll tell you why. There's no
Speaker 2: magic about it. I'm not hungry. I have eaten, like
Speaker 2: I think to first day, well, the first day I
Speaker 2: ate normally, I didn't do anything. The second day, I'd
Speaker 2: like six chicken wings. The next day I might have
Speaker 2: had a Hamburger, patty, whatever it is. But I've been
Speaker 2: eating next to nothing, and I don't feel hungry at all.
Speaker 2: I seem to still have the energy level. I was
Speaker 2: terrified I wouldn't have the energy level to do yoga
Speaker 2: and stuff. But the fact that I've dropped almost twelve
Speaker 2: pounds in six days is unbelievable. I can't imagine. Those
Speaker 2: are the kind of results most people have. And I'm
Speaker 2: on the lowest dose there is, right, five units.
Speaker 7: You call it, Well, you're on our standard starter dose, so.
Speaker 2: That's the standard. It's crazy. What do you make of that?
Speaker 2: I mean, if you heard that kind of outcome before, Uh,
Speaker 2: we have.
Speaker 7: Actually, you know, everybody responds a little bit differently, but
Speaker 7: generally speaking, people lose weight pretty quickly, sometimes remarkable. Sometimes
Speaker 7: it's a couple of weeks. I mean with you, it's
Speaker 7: it's a week. It's amazing. Uh, but we've seen it's
Speaker 7: not unheard of.
Speaker 2: It's crazy. You don't. I can't even explain it to
Speaker 2: my wife. I can't even explain it to her. It's like,
Speaker 2: I don't feel hungry. You know, generally you get hungry
Speaker 2: and you start thinking of food. Those thoughts are literally
Speaker 2: wiped out. I mean, I just don't feel hungry anymore.
Speaker 2: I can't believe it, but I want them inside effects.
Speaker 2: I really haven't had any side.
Speaker 3: Was forcing yourself to eat, Mark, I mean, really you have.
Speaker 3: That's what I've noticed.
Speaker 2: I literally had last night we got home. We did
Speaker 2: yoga after the show, like between three and four. We
Speaker 2: get home. I hadn't eaten all day, and I literally
Speaker 2: forced myself to eat maybe uh maybe a quarter pound
Speaker 2: of some kind of chicken. That's that's what I ate,
Speaker 2: and then a handful of pistachios. And when I was
Speaker 2: done with the pistachios, I was like, I overdid it.
Speaker 2: I can't believe it. I overdid it. I ate like
Speaker 2: calorie wise, we're talking like three for hundred calories. There's
Speaker 2: got to be a downside to this. We'll talk about that.
Speaker 2: Dan McKenzie's coming up right after this break, So Ray,
Speaker 2: we're gonna answer your question for Dan. His wife or
Speaker 2: I'm sorry, his mother passed away one hundred thousand dollars
Speaker 2: in cash, no real estate, so a small Affidavid's not
Speaker 2: going to work a small state Affidavid. But for him
Speaker 2: to get the one hundred thousand dollars, Uh, he's going
Speaker 2: to have to go to probate Dan. I would assume that,
Speaker 2: but can he do it on his own? And if not, Dan,
Speaker 2: what would that generally run? Everybody hold tight a lot cooking,
Speaker 2: all right? Three three seven, one, three eight two five five.
Speaker 2: By the way, this hour brought to you by Frank Dran,
Speaker 2: the real estate man. You know, Frank made us a
Speaker 2: fortune selling our house in cap So Rock. He actually
Speaker 2: listed it lower than the same models in the neighborhood
Speaker 2: by quite a bit. I thought he was nuts. If
Speaker 2: he's listening, sorry, Frank, but I thought you were crazy.
Speaker 2: But ultimately what happened he created a bidding frenzy, and
Speaker 2: all said and done, are sold for more than any
Speaker 2: of the other ones. I couldn't have been more happy.
Speaker 2: It was great. And then he helped us get our
Speaker 2: house and negotiate a great price on our house in
Speaker 2: frank Town. Frank durand Holmes dot com. Check him out
Speaker 2: Frank durand Holmes dot com. Now I want to go
Speaker 2: to a referral list member and a really really great
Speaker 2: attorney when it comes to Will's probate anything like that.
Speaker 2: Trust he can do everything. But Dan McKenzie COO Plans
Speaker 2: dot co. By the way, But Dan, first of all,
Speaker 2: Happy New Year. How are you doing?
Speaker 5: Man?
Speaker 14: Very good?
Speaker 5: Very good.
Speaker 2: So we've got a question. I want to bring Ray up.
Speaker 2: But Ray had a pretty basic question. His mom passed away,
Speaker 2: I think a couple of weeks ago. Is that correct, Ray, Yes, sir,
Speaker 2: his all she had was cash in the bank, and
Speaker 2: for whatever reason, there was no beneficiary. But I want
Speaker 2: to ask you about that after the fact end. But
Speaker 2: what does he have to First of all, he does
Speaker 2: have to go through probate, is that correct?
Speaker 15: Yeah, she's got more than eighty two thousand bucks, and
Speaker 15: you know, I'm sure she has some personal property too,
Speaker 15: but just that cash in the bank is more than
Speaker 15: eighty two thousands, So yes.
Speaker 2: So there it is. And then if it's real estate,
Speaker 2: just for other people listening, my understanding is it doesn't
Speaker 2: matter if the piece of property or the parcel is
Speaker 2: only worth fifteen thousand, it pretty much if it's not
Speaker 2: in a trust or something like that, it pretty much
Speaker 2: has to go through probate as well.
Speaker 5: Correct.
Speaker 2: Okay, Now his main question is the person in charge
Speaker 2: of the will, is that your brother or sister. Ray
Speaker 2: brother has no idea what they're doing. He has too
Speaker 2: many things on his mind. He's not doing anything and
Speaker 2: he doesn't know what to do. So you know, kind
Speaker 2: of pick it up from there. I guess that's really
Speaker 2: the question is there something Ray he can do. He's
Speaker 2: afraid if they hire an attorney, you know, it's going
Speaker 2: to wipe out all the money. Just give me your thoughts, Dan, I.
Speaker 15: Mean, that would be a lot of money to wipe out.
Speaker 10: I mean, I think you know.
Speaker 15: Unfortunately, there is only one probate process, whether we're dealing
Speaker 15: with ten million or one hundred thousand, So you've still
Speaker 15: got to run the credit or notifications.
Speaker 10: You still got to do.
Speaker 15: You know a couple things and inventory and stuff like that,
Speaker 15: but it probably would be relatively straightforward. So you know,
Speaker 15: you're probably looking in the five to ten thousand range
Speaker 15: should do a probate typically that is uncontested and relatively straightforward, honest,
Speaker 15: say with attorneycy.
Speaker 8: So that might be too much.
Speaker 5: I understand.
Speaker 15: You can go out there. The courts actually do have
Speaker 15: a lot of self help resources for people who are
Speaker 15: trying to do probates. Your brother, even if he is
Speaker 15: nominated in the will, can renounce that position. He does
Speaker 15: not have to do it if he's if he understands
Speaker 15: he doesn't have time to do it, that's great. But
Speaker 15: if you go out there and just google the term
Speaker 15: Colorado probate JDF j d F instructions like, you'll probably
Speaker 15: pull up this form that the courts have put out
Speaker 15: explaining what you need to do to get the probate
Speaker 15: going and which forms you need to file.
Speaker 2: Could you brother elect anybody he wants or can the
Speaker 2: other people listed in the will say no, no, no, we
Speaker 2: don't want that person.
Speaker 15: Well, if so, it depends on if so, there's a
Speaker 15: priority in the in the Colorado Statutes for who gets
Speaker 15: to be appointed. If multiple people apply at the same time,
Speaker 15: and if obviously they're all brothers and sisters are going
Speaker 15: to have the same level of priority. So if they
Speaker 15: cannot agree with each other on who should do it,
Speaker 15: then yeah, there's going to be a court hearing and
Speaker 15: the court will need to decide which one to appoint.
Speaker 15: If they can agree, they can all all the ones
Speaker 15: who don't want to do it just file those renunciations
Speaker 15: that I just mentioned and make it clear to the court, like,
Speaker 15: we don't need to have a court hearing. We all
Speaker 15: agree it should be this person.
Speaker 3: And then the court word points out.
Speaker 2: And what was that again, JDF.
Speaker 15: What uh Colorado Probate instructions put some combination in Colorado
Speaker 15: AP probate instructions JBF, got it.
Speaker 2: And that'll be the actually document on it.
Speaker 15: Yeah, and then it's there's a bunch of JDF forms
Speaker 15: the US fill out yep.
Speaker 2: And then how much do you think? Roughly? And I
Speaker 2: hate putting you on the spot with pricing, but honestly,
Speaker 2: if no one was contesting everything and it was a
Speaker 2: straightforward I realize you got to list everything in the
Speaker 2: paper to make sure you know different creditors don't come forward.
Speaker 2: I mean if everything went smooth, I mean, how many
Speaker 2: hours of work is that? How many dollars generally? And
Speaker 2: you know, I mean I realize every attorney's a little different,
Speaker 2: but give us a generalized because if we're talking five
Speaker 2: or ten grand, it could be very well worth it.
Speaker 2: But if we're talking fifty grand, that'd be insane.
Speaker 5: Yeah.
Speaker 15: Yeah, I mean, I think you've made the point there
Speaker 15: that you know, you never know if something got to
Speaker 15: shop and contest something. It sounds like there is they
Speaker 15: will and no one's I mean it said there's one
Speaker 15: account and it probably gets split equally to gain of siblings.
Speaker 15: You know, Yeah, you're right on the ballpark there. You know,
Speaker 15: probably five to ten thousand bucks depending on how they
Speaker 15: charge without any context.
Speaker 2: So Ray, what are you just listening to Dan and
Speaker 2: what he said so far? There's a couple options here. One,
Speaker 2: if your brother doesn't want to do it, he can
Speaker 2: basically step down and say, well he can say, Ray
Speaker 2: can do it, but you're going to have to go
Speaker 2: through the court. We've told you what to google, and
Speaker 2: you can fill out that paperwork and file it and
Speaker 2: that's probably not that big of a deal. But then
Speaker 2: you could go in there and figure out how to
Speaker 2: do this all yourself. But man, that sounds crazy, whereas
Speaker 2: you could hire an attorney. And if you guys aren't fighting,
Speaker 2: And by the way, is there any infighting or everybody
Speaker 2: just wants to do what was in the will and
Speaker 2: get it done.
Speaker 13: No, there's no fighting. She laid everything out what she
Speaker 13: wanted done.
Speaker 2: And everybody respects it.
Speaker 13: Yeah.
Speaker 2: So there's a couple of ways.
Speaker 5: Man.
Speaker 2: One you call Dan McKenzie. To be honest, that's what
Speaker 2: I would do. I wouldn't even think twice about it.
Speaker 2: I mean he's talking if everything's good, I mean smooth sailing.
Speaker 2: You're looking at five grand, possibly you know, ten grand,
Speaker 2: but somewhere around there, and it's done. It's over the money.
Speaker 2: You'll be in everybody's bank account and more importantly, it'll
Speaker 2: be done right. You'll make sure you guys split that
Speaker 2: money up. Or you don't do something right, And Dan,
Speaker 2: tell me if I'm wrong in six months from now,
Speaker 2: some creditor and the notice wasn't properly done. That can
Speaker 2: come back and bite someone in the ass.
Speaker 15: Yeah, that's the big risk that people overlook. And the
Speaker 15: family's getting along there just about the family, but the
Speaker 15: probate process is about paying anybody who thinks your mother
Speaker 15: owed them money as well. And you know there could
Speaker 15: be a medical dout there from like a wall. You know,
Speaker 15: you just don't know. And it's like if you distribute
Speaker 15: the money prematurely, March point is exactly right, like you,
Speaker 15: they can come back and now you've got personal liability
Speaker 15: because you didn't do it correctly.
Speaker 6: Yeah.
Speaker 2: So I mean, Ray, it's worth I know people don't
Speaker 2: like hearing this. You're talking five or ten percent of
Speaker 2: the inheritance in this case, but it's well worth it, man,
Speaker 2: because the last thing you want is someone coming after
Speaker 2: your assets because you didn't do something right. It's just crazy, man.
Speaker 2: So Ray, I'm going to give you Dan's number. You ready.
Speaker 2: It's so easy, it's crazy. Eight three three co plans
Speaker 2: eight three three co plans. What I would do is
Speaker 2: talk to your brother, talk to your other siblings and
Speaker 2: basically say, hey, listen, I got some advice today. I
Speaker 2: called up to Troubleshooter Show. I talked to one of
Speaker 2: their attorneys on referral list dot com, Dan McKenzie, and
Speaker 2: here's the bottom line, here's the information I got, And
Speaker 2: tell them I think this is the best way to
Speaker 2: do it, because a it's gonna get done and we're
Speaker 2: not going to risk people coming after us later on.
Speaker 10: Okay, I appreciate that you got it, man.
Speaker 2: I appreciate your call. Hey, Dan, I appreciate you coming
Speaker 2: on as always. Man, have a good New Year's anybody
Speaker 2: out there. I mean, you do everything simple. I say
Speaker 2: a simple trust. I would assume there's something you know
Speaker 2: what there are what I would refer to as a
Speaker 2: simple trust, because I know there's very complicated trust. So
Speaker 2: you can do either or you can also do a
Speaker 2: simple will you can do it all. I mean that's
Speaker 2: the bottom line, right, Yeah, we do.
Speaker 15: We don't put everyone in the same plan. We don't
Speaker 15: put everyone in trust frankly, so yes, there are simple
Speaker 15: plans that does happen sometimes.
Speaker 6: Yep.
Speaker 2: I absolutely love it. And people can call you up
Speaker 2: and you'll do generally speaking, they'll tell you what's going on,
Speaker 2: what they want done, and you're going to tell them
Speaker 2: how much, in other words, flat rate pricing. They're not
Speaker 2: going to be surprised at the end. Right, I love it.
Speaker 2: Thank you, Dan, and you can find Dan McKenzie at
Speaker 2: referral list dot com. Now we're still trying to get
Speaker 2: one of our roofers on. That's driving me nuts. Three
Speaker 2: oh three seven one three eight two five five. We've
Speaker 2: got a couple lines open. You've been ripped off, taken
Speaker 2: advantage of, and then, Kelly, before I go to break
Speaker 2: real quick, did you get in touch with this robinhood
Speaker 2: roofing anything?
Speaker 3: Oh I did?
Speaker 2: Oh wait, wait, don't tell me now, tell me tell
Speaker 2: me after this.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're contenth
Speaker 11: time for an insurance checkup free, no obligation comparison call
Speaker 11: Compass Insurance paying too much your coverage at dozens of
Speaker 11: insurance companies find out now three O three seven to
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three three
Speaker 11: nine two zero sixteen twenty two.
Speaker 2: Oh man, we finally got a roofing expert on. But
Speaker 2: you know, uh, it's no longer going to be the
Speaker 2: Golf of Mexico. Did you guys know that I was
Speaker 2: just reading a Trump's newest.
Speaker 3: Sounds like you're getting a kick out of it much.
Speaker 2: I love it. I know there's people out there pulling
Speaker 2: their hair out going he can't do that. I don't
Speaker 2: know why he can't. But they're to rename the Golf
Speaker 2: of Mexico. Ready for this, the Golf of Trump. No,
Speaker 2: I'm kidding, I'm kidding, Golf of America. I love it.
Speaker 2: He really said that today we're gonna buy Greenland? Right,
Speaker 2: aren't we trying to purchase Greenland?
Speaker 5: Yeah?
Speaker 6: His son is over there, and I assume he brought
Speaker 6: this checkbook.
Speaker 2: I assume so. And I doubt Greenland costs that much
Speaker 2: these days. I don't know what'd we buy Alaska for someone?
Speaker 2: It was crazy. We bought it from Russia for you know,
Speaker 2: almost nothing.
Speaker 13: Now.
Speaker 2: Granted, back then it was nothing. You couldn't drill. You
Speaker 2: couldn't back then, you had no idea. The value is
Speaker 2: what I'm saying.
Speaker 16: Oh yeah, oil wasn't nearly as valuable back then. But no,
Speaker 16: got a really good deal on Manhattan if I remember.
Speaker 2: Oh yeah, I'm sure Russia's spanking themselves over that one. Hey,
Speaker 2: Michael O'Malley, he is on a referral list. A referral
Speaker 2: list that Commy's one of the owners of Petrolley Roofing.
Speaker 2: First of all, Happy New Year.
Speaker 17: Yes, yes, do you want me to give you an
Speaker 17: update on Robin Hood?
Speaker 2: I don't quite yet. Okay, I don't quite yet. So
Speaker 2: Michael O'Malley, First of all, have you ever heard of
Speaker 2: Robinhood roofing? I haven't. Okay, So they told this guy,
Speaker 2: listen to this. This is the craziest thing I've ever heard.
Speaker 2: Here's the problem. I'm gonna run out of time because
Speaker 2: I'm a blabbermouth. But here's the deal. We've already talked
Speaker 2: to him. We're we're gonna go to Kelly and figure
Speaker 2: out what they had to say. But according to Clayton,
Speaker 2: the caller, here's what they told him. They came out.
Speaker 2: They did the roof eighteen thousand dollars. It was a
Speaker 2: hail claim. And he looked at it when it was done.
Speaker 2: Some of the shingles were kind of curved up. It
Speaker 2: looked old. It looked like the shinkles had either been
Speaker 2: sitting in the sun or sitting in the warehouse forever.
Speaker 2: It looked like crap. The shingles themselves on the siding
Speaker 2: that they were supposed to repair. All they did was
Speaker 2: take the siding off, put up some two by Ford's
Speaker 2: and didn't even paint it. But the shinkles is why
Speaker 2: I have you up. Hold on a second, are right, Michael?
Speaker 2: I am so sorry we had you up, but we're
Speaker 2: going to go back to that. It's crazy.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: all three nine two zero sixteen twenty two.
Speaker 1: Yeah, ripped.
Speaker 2: News need so you don't.
Speaker 4: Have to.
Speaker 1: Come runs as you can. Shooter's gonna help.
Speaker 9: Come man, this is.
Speaker 18: The Troubleshooter Show Now, Tom Martinez, welcome.
Speaker 2: My friends, Welcome to the only show of it'skan. We're
Speaker 2: here to soelve problems, answer your questions, take complaints. I've
Speaker 2: got a few things I want to talk about as
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Speaker 2: fifty five fifty four waterpros dot net. Now I want
Speaker 2: to go to Michael O'Malley. I had him up before. Michael.
Speaker 2: I think I kind of explained the issue. But in
Speaker 2: a nutshell, Clayton's got a problem with Robin hood roofing.
Speaker 2: The shingles look old. Now I want to ask you something.
Speaker 2: Have you ever seen old shingles?
Speaker 8: What?
Speaker 2: What do you think? He means? He says, you look
Speaker 2: at him and basically they're curling up. In fact, I'm
Speaker 2: gonna let him speak, Clayton, they're curling up. Kind of
Speaker 2: describe what the shingles look like.
Speaker 5: It's like in an angle. It'll not splits down on
Speaker 5: regular like the regular roof did.
Speaker 2: So they're sticking up.
Speaker 10: When did it get installed, Oh my god, installed or
Speaker 10: was it.
Speaker 2: They were installed in July?
Speaker 10: Oh yeah, and there's still that way like it sometimes
Speaker 10: in cold weather that happens, just it takes time for
Speaker 10: the singles to settle down. But you know it's in July.
Speaker 10: If they're installed and they still haven't settled down, you've
Speaker 10: got a problem.
Speaker 4: So what what what?
Speaker 2: What does that mean? Though? Why would they do that?
Speaker 2: Is it a manufacturing defect?
Speaker 10: Well, and I don't know this company, and I hate
Speaker 10: to I hate to speak against any company. You know,
Speaker 10: contractors work hard, sure, but some contractors do, uh, they
Speaker 10: do use what's called factory seconds.
Speaker 5: Uh.
Speaker 10: They get them cheaper and they install it, which increases
Speaker 10: their margins. I'm not saying that's what this company did
Speaker 10: by any means, but you know, you can buy seconds,
Speaker 10: you can buy factory discuss.
Speaker 2: How would you tell or or you.
Speaker 10: Can well, sometimes you tell by the install right if
Speaker 10: if the shingle isn't doing what it's supposed to do,
Speaker 10: I definitely have specific some suspicions there. The the other
Speaker 10: thing is sometimes you know, contractors buy bulk orders of
Speaker 10: of shingles and they sit around and they just sit
Speaker 10: in their own warehouse. They weren't seconds, They just they
Speaker 10: weren't stored properly. And so I mean an asphalt shingle
Speaker 10: is going to take the shape of well, you've seen
Speaker 10: it right where it's the palette isn't stacked correctly and anything.
Speaker 10: The weight, yeah, exactly, I mean you could get that
Speaker 10: in uh paper towel. It doesn't matter if something stacked incorrectly,
Speaker 10: it's going to take a shape over time, and so uh,
Speaker 10: that could be the case. I'd love to see some
Speaker 10: pictures before.
Speaker 2: I Clayton, do you have any pictures you can send us? Yeah, yes,
Speaker 2: and explain that part.
Speaker 10: Happy to do an inspection for it too. Mark like
Speaker 10: to come out and that it's it's so hard to
Speaker 10: give uh, to give information on you know, just just
Speaker 10: a story. But I'd love to go out and do
Speaker 10: an inspection. We wouldn't do any work because I don't
Speaker 10: want to wark void any kind of warranty. But yeah,
Speaker 10: what did what did Robin Hood say?
Speaker 2: Did Yeah, Clayton, tell them what Robin Hood said?
Speaker 5: What do you said? The shingle? They give it that?
Speaker 5: Oh look like three d's.
Speaker 2: Yeah. See, that's why I can't stand these If they
Speaker 2: actually said that, that's the dumbest thing I've heard.
Speaker 9: Mark.
Speaker 3: What did they tell Kelly? We haven't asked her yet.
Speaker 2: Okay, Kelly called up. Let's hear right now, Kelly, you
Speaker 2: called up Robin Hood and what did they tell you?
Speaker 2: Just put Yeah, she's coming on, hold on, No, I'm
Speaker 2: dying to know what they told.
Speaker 12: Yeah, here's the story.
Speaker 2: I called, and that Dave, the.
Speaker 12: Gentleman that they were working with, answered.
Speaker 17: I identified myself, and as soon as I got you, Hi,
Speaker 17: my name's Kelly. I'm calling from the Tom Martino Troubleshooter Show.
Speaker 17: Click dial tone, So I figured, I figured maybe we
Speaker 17: got cut off, so I called back, of course, and
Speaker 17: then he called. He literally answered and then dial tone.
Speaker 17: So then he called the station and his number is
Speaker 17: on caller. I d right now, supposedly to verify I
Speaker 17: was actually, you know, the Tom Martino Show. And as
Speaker 17: soon as I answered, the phone dial tone. So then
Speaker 17: I called back a three sis time. So far this
Speaker 17: guy's hung up.
Speaker 12: On you, correct, And then I called him a fourth time.
Speaker 17: I called him a fourth time because he called us,
Speaker 17: so he never answered and his mailbox is full.
Speaker 2: Oh my god. You know, listen, no one, no one
Speaker 2: needs to answer the phone or to come on air
Speaker 2: and talk about things, but to hang up on this
Speaker 2: four times is absurd. And Clayton, you can't get him
Speaker 2: to do anything besides tell you your roof is supposed
Speaker 2: to look old. And just to make sure I'm not crazy,
Speaker 2: Michael O'Malley, have you ever heard of a assphalt shingle
Speaker 2: that's supposed to make your roof look old.
Speaker 10: No, No, that's Can you imagine saying eighteen thousand dollars
Speaker 10: for a product to be like? Is it Rick Jeans?
Speaker 6: Exactly?
Speaker 2: That's basically what I said. You know what, what is
Speaker 2: this jerk's name?
Speaker 4: And you know what?
Speaker 2: That is my opinion?
Speaker 14: What is it?
Speaker 16: Dave?
Speaker 2: What the hell was the guy's name, Kelly? Does anybody
Speaker 2: remember what she said?
Speaker 4: Dave?
Speaker 19: Dave?
Speaker 2: So Dave? And what phone number? You know what, let's
Speaker 2: blow Dave up. We've got a lot of listeners out there.
Speaker 2: I would like people to call up and be nice.
Speaker 2: That's number one. You have to be nice and you
Speaker 2: simply say, hey, Dave, are you the one that told
Speaker 2: Clayton is rufe is supposed to look old? Are you
Speaker 2: the one that said that? And if so, exactly what
Speaker 2: kind of shingle is that that is supposed to make
Speaker 2: your house look old? I would love for people to
Speaker 2: do that. Then call us up because this guy's a jerk.
Speaker 2: This guy's an absolute jerk in my opinion. Michael O'Malley,
Speaker 2: I would love for you to go out and do
Speaker 2: some research for us at Clayton's property.
Speaker 10: Absolutely, I'm sure will this is some snow if you
Speaker 10: don't mind. I'm not a fan of rufe and snow.
Speaker 2: Come on, no, I'm kidding.
Speaker 13: I know, I know.
Speaker 5: I would do it.
Speaker 2: But hey, Michael, hold on one second. I want you
Speaker 2: to hold on. Over the break, I'm gonna let Dmitri
Speaker 2: ask whatever he wanted, but I also want you to
Speaker 2: hold on because we have another call that might come
Speaker 2: into effect for you. Dmitri, go ahead. What were you
Speaker 2: going to say?
Speaker 16: Hey, Michael, I was wondering if you have a way
Speaker 16: to find out if if Robin Hood first of all,
Speaker 16: was a licensed roofing contractor in Clayton's jurisdiction.
Speaker 6: Also if he pulled a permit.
Speaker 10: If notches Yeah, yeah, they might be. Uh it looks
Speaker 10: like they're They've got a website, they've got a Facebook page,
Speaker 10: so it's not like they're It doesn't seem like they're
Speaker 10: fly by night. But it might be somebody else with
Speaker 10: that doesn't think.
Speaker 16: That's no guarantee that they're actually licensed to do the work.
Speaker 16: They pulled a permit, that's those are my questions.
Speaker 2: The first thing I would like you to do is
Speaker 2: pull the permit. Here's what I want to do, Clayton,
Speaker 2: I want you to give Kelly offline your address. We're
Speaker 2: gonna set you up with Michael to get him to
Speaker 2: come out and look at this and do an inspection.
Speaker 2: And he's also going to find out if they pulled
Speaker 2: a permit. But Michael, nothing has changed. When there's a
Speaker 2: permit pulled, it's usually on your front door, on your
Speaker 2: garage somewhere where it's posted. Sure, and there simply wasn't.
Speaker 2: Clayton never had one at all.
Speaker 10: Yeah, yeah, so I will. But you know, like and again,
Speaker 10: I'm maybe too generous with contractors. But the uh, it
Speaker 10: could be somebody else was just hijacking the name. It's
Speaker 10: not even the real Robin Well.
Speaker 2: Wait, listen, we don't know what it is. But what
Speaker 2: I do know, Hey, Kelly, did you call the number
Speaker 2: on their website?
Speaker 11: I did not.
Speaker 12: I just called the number that Clayton gave me.
Speaker 2: I want to see. I'm going to take a break
Speaker 2: hold on and then if you would hold on, Michael,
Speaker 2: I'd appreciate that because we might have another question for you.
Speaker 2: But bottom line is, let's make sure it's the same
Speaker 2: Robin Hood because that's a valid opinion. Michael just said,
Speaker 2: and I'll tell you why because in the past people
Speaker 2: have used Excel Roofing, one of our members on the
Speaker 2: referral list here in Denver, they have used Excel's name
Speaker 2: and it wasn't ell. They simply try to piggyback off
Speaker 2: the advertising. So we're going to try to actually call
Speaker 2: that number if it's different and find out. But if
Speaker 2: everything is correct from what Clayton has told is these
Speaker 2: clowns at Robinhood Roofing, if it's all correct, are absolute jerks.
Speaker 2: In my opinion, How can you tell someone with the
Speaker 2: straight face that ass vault shingle is made to look
Speaker 2: your house, make Lah look old.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free no obligation comparison
Speaker 11: call Compass Insurance. Pay too much your coverage at dozens
Speaker 11: of insurance companies find out now three O three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 2: All right, three O three seven one three A two
Speaker 2: five five Robinhood roofs dot com, Kelly, did we figure
Speaker 2: out if that's the same phone number you dialed? Sometimes
Speaker 2: sometimes my head's going to explode. We're gonna We're just
Speaker 2: gonna have a meeting later. I don't know how else
Speaker 2: to put it. I think I'm pretty cool, right am?
Speaker 2: I pretty cool? You're cool? I mean, what am I
Speaker 2: going to say here? I'm trying to do. It's called
Speaker 2: a live show. Three O three seven one three A
Speaker 2: two five five. Uh, I'd like to know what we're
Speaker 2: I want to make sure it's the same exact people
Speaker 2: in the meantime, Sandy, what's going on with you?
Speaker 10: High?
Speaker 2: Hey, Sandy, so.
Speaker 19: COVID, whom do you endorse? Put some cridit guards on
Speaker 19: my some they took off my ruin.
Speaker 2: I'm sorry, pro Bid pro Bid Energy, the solar company.
Speaker 19: Yeah, the third company. They took off my ruined hail,
Speaker 19: messed up tritter guards and put new ones on. And
Speaker 19: the insurance company safe Go said they used to cover
Speaker 19: them all the time, and all of a sudden now
Speaker 19: they don't ever cover them. They say they can be
Speaker 19: reused Brett and Mark were mad. They said, no, there's
Speaker 19: no way we can reuse those, and they refused to pay.
Speaker 19: Safe refuses to pay.
Speaker 2: Safeg refuses to pay. How much are we talking for
Speaker 2: the critter guards? And why can't they be reused? If
Speaker 2: you look at them, I mean when you take them
Speaker 2: off or they destroyed.
Speaker 19: Or what they were destroyed, there's pictures of them bent
Speaker 19: up before.
Speaker 2: Who were you dealing with it, pro Bid? Are you
Speaker 2: dealing with Mark? Who were you dealing with?
Speaker 10: Yeah? Mark?
Speaker 20: Mark?
Speaker 10: Well here's what since that?
Speaker 19: That SAFEGO guy a big long email, and you're not
Speaker 19: he could never be.
Speaker 2: Reused And they're simply saying that.
Speaker 19: They're saying, nope, they can be reused.
Speaker 2: Well, I would you know what I would do, I'd
Speaker 2: stick it to them. And what I mean by that
Speaker 2: was safe Co. I would actually call up a public adjuster.
Speaker 2: I'd call up Matt. I wouldn't even think twice about it.
Speaker 2: I just dealt with SAFEC and I'm going to tell
Speaker 2: you something, Sandy, and I'm not kidding. There is no
Speaker 2: exaggeration nothing. We had some hail damage. Safeco came out
Speaker 2: and said, Nope, we're not going to do anything. I
Speaker 2: got Matt involved. I'm going to get fifty thousand dollars.
Speaker 2: I went from zero to fifty. Now I'm going to
Speaker 2: tell you something else about three years ago, or maybe
Speaker 2: even longer, right, Susanne, when we had our roof done
Speaker 2: four years they initially said no damage. This was four
Speaker 2: years ago. The first one I told you about was
Speaker 2: last year, four year years ago. Go same thing. I
Speaker 2: got Matt involved. I had to check for eighty five
Speaker 2: thousand dollars. What I would do is sick Matt on him.
Speaker 2: Not only will he get those critter guards paid for,
Speaker 2: that's my assumption. Long as long as you know, pro
Speaker 2: Bid is doing everything they're supposed to do. But I
Speaker 2: bet he finds other damage. I bet there's certain things
Speaker 2: around your house your insurance company owes you for that
Speaker 2: you haven't thought of. I'll give you an idea landscaping.
Speaker 2: I'll give you another idea railing, like on a wood deck.
Speaker 2: How about chipping on any kind of cement. I don't
Speaker 2: know how bad the hail was, but I'll tell you this,
Speaker 2: Matt will use a fine toothcomb and go around that
Speaker 2: house and find every single thing you should have gotten
Speaker 2: paid for.
Speaker 16: Mark, I have a lot more background in this story
Speaker 16: than we just heard from Sam. Oh please on September twentieth,
Speaker 16: and Tom assigned this case to me. The genesis of
Speaker 16: her call was the fact was had nothing to do
Speaker 16: with hail damage. She had a company called best Way
Speaker 16: approximately seven years ago installed and Sandy, please correct me.
Speaker 16: I'm going from no they installed. I'm going from memory, Sandy,
Speaker 16: so please correct me if I'm wrong. They installed solar
Speaker 16: panels on her roof. Sandy's down in southern Colorado, and
Speaker 16: they installed this product that the installer calls critter Guard.
Speaker 16: There is no product called critter Guard. That's just a
Speaker 16: name that they use.
Speaker 6: It's a steal.
Speaker 16: It's like a chicken wire that they bend into shape.
Speaker 16: They installed around the solar array to keep the squirrels
Speaker 16: of there and other animals geta got getting in there. Now,
Speaker 16: what happened in Sandy's case is squirrels got in there
Speaker 16: and shoot the wiring. And if I remember this right,
Speaker 16: initially they caused about six and a half thousand dollars
Speaker 16: in damage the squirrels. The squirrel's dead, and subsequently Sandy
Speaker 16: sent me another email saying that damage actually cost thirteen
Speaker 16: thousand dollars to repair, and she asked for our assistance
Speaker 16: in getting best way to pay for this damage.
Speaker 6: Now I spoke with both.
Speaker 2: Now, when you say best way, where do they come
Speaker 2: into this.
Speaker 16: They're the original installation contractor. They stild the solar panels
Speaker 16: and the mesh which they call critter guards.
Speaker 2: Okay, so they're not the best way that I know
Speaker 2: on referral.
Speaker 4: Well, in Tom's notes, I'm looking at the call from
Speaker 4: last January says it.
Speaker 3: Was three grand granded dammage.
Speaker 6: January.
Speaker 4: She called back and had a solar system installed by
Speaker 4: Best Way Mechanical. She paid an extra seven fifty for
Speaker 4: critter cards, but squirrels got under it and did three
Speaker 4: thousand dollars in damage to the solar system.
Speaker 3: That's Tom's exact notes.
Speaker 6: So that was from a year ago.
Speaker 16: I got involved in this case when she called us
Speaker 16: again on September twentieth, and that's so that's that's the
Speaker 16: story that I'm relating to you.
Speaker 6: And I talked, okay, okay, go ahead, Sandy.
Speaker 19: So here's here's the story up to date. Provid I
Speaker 19: said I can't get the best way to come out,
Speaker 19: La la la, these uh, these solar panels need to
Speaker 19: be repaired.
Speaker 21: The squirrels got to them.
Speaker 19: So Mark Mark talk to his boss and they finally
Speaker 19: came out and they did. They found that they had
Speaker 19: a general contractor come out. Yep, your roof needs to
Speaker 19: be redone.
Speaker 16: So wait, wait, wait those airrel Yeah, they found hail damage.
Speaker 2: That's related to the damage.
Speaker 19: Hail damage on my roof. Okay, Mark and Brett took
Speaker 19: my solar panels and critter guards off so they could
Speaker 19: redo the roof. They repaired what they could, and I
Speaker 19: understand that. I'm I'm I'm responsible for anything that the
Speaker 19: squirrel did on those panels.
Speaker 10: It's in my policy.
Speaker 2: So I bought from Marandy. I'm sorry everybody, everybody involved
Speaker 2: in this. Right now, I've got to understand something basic.
Speaker 2: You first said they approved six thousand or three thousand.
Speaker 2: Did your insurance companies say yes to that?
Speaker 19: Okay, that my insurance company pay is paying for I'm
Speaker 19: got to check. Yet, they're paying for the roof and
Speaker 19: for the the panels to be taken off and.
Speaker 21: Put back on.
Speaker 2: So all they're doing is the hail claim. It has
Speaker 2: nothing to do with the squirrels.
Speaker 16: Correct, And I actually read Sandy's insurance policy and it
Speaker 16: does exclude rodent.
Speaker 2: That's fine. But if she has here, here's what I'm doing.
Speaker 2: I'm just getting ready to pull my hair out here.
Speaker 2: Hold on, I'm going to put her on hold. So
Speaker 2: I'm just going to talk to you, Dimitri. So the
Speaker 2: only thing they're going to pay is the hail claim.
Speaker 2: That's correct, okay, but on her roof as solar panels,
Speaker 2: and there was some kind of critter guard regardless.
Speaker 16: So in addition to the to the hill claim, the
Speaker 16: insurance company paid to remove the solar of course they did,
Speaker 16: and they'll also paid to reinstall them. However, they decline
Speaker 16: to cover the rodent damage.
Speaker 2: Perfect, now hold but now hold on, Sandy? Is that
Speaker 2: is that everything? They're just not paying for that part.
Speaker 20: Right, And they're claiming and how I don't care.
Speaker 2: What they're claiming. They're just not paying to reinstall chicken wire?
Speaker 2: Is that correct.
Speaker 6: As not paying for the damage the squirrels.
Speaker 2: Caused the damage to the solar panels. Yes, but that's
Speaker 2: in the policy, you said.
Speaker 16: Yes, And Sandy said in her last email to me,
Speaker 16: she said that the total damage now between the replacement
Speaker 16: and repairs comes through like thirteen and a half thousand dollars.
Speaker 6: I believe that's her claim.
Speaker 10: Right, Sandy, I don't have the exact number.
Speaker 2: I gotta take a break. I'm going to talk to
Speaker 2: her offline because I've got audiences out there driving into
Speaker 2: trees at this point. If I don't understand what she's saying,
Speaker 2: my god, who who does? I honestly don't get it, Sandy.
Speaker 2: I'm going to talk to you after I do these
Speaker 2: live spots. But here's the bottom line. Here's what I
Speaker 2: need to know. I mean, what are we going after?
Speaker 2: Are we going after Safeco? Am I going after pro Bit?
Speaker 2: Who do I call to solve this problem? If it
Speaker 2: says squirrel damage isn't covered, the insurance company's not gonna
Speaker 2: pay it, Dmitri, it says.
Speaker 6: That, right, I read that in the policy.
Speaker 2: So then why does she think that we're gonna be
Speaker 2: able to get safecoat to pay for that?
Speaker 6: I'm not sure.
Speaker 16: I'm really frankly, I'm it would be great to get
Speaker 16: Sandy to kind of encapsulate the reason for today's fall.
Speaker 11: Ye do that?
Speaker 2: Sandy? Please put together your thoughts on exactly why you're calling.
Speaker 2: If Dmitri already read the policy and pointed out that
Speaker 2: critter damage isn't covered. What is today's call for? I
Speaker 2: simply don't understand.
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Speaker 11: nine two zero sixteen twenty two.
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Speaker 2: Eight eight eight Heating dot Com. Now I'm going to
Speaker 2: go back to Sandy and hopefully just work through this
Speaker 2: real quick. She had a problem. There was no coverage,
Speaker 2: but she had hail damage, Sandy, So what can we
Speaker 2: do for you today? Who should I call to try
Speaker 2: to get this right?
Speaker 19: Okay? The issue that I had with the k Meetria
Speaker 19: in the past has nothing to do with what's going
Speaker 19: on today. It also has nothing to do with squirrels.
Speaker 19: It's the fact that the hail repped the cridit guards
Speaker 19: and so Mark and Brett put new ones on, and
Speaker 19: the insurance companies claiming that they could have been reused
Speaker 19: and Mark and Brett say no way, they were ruined.
Speaker 2: Okay, can we get Matt from Paragon on hold? On
Speaker 2: a second, I'm gonna put you on hold. Sandy, now
Speaker 2: I know who to ask about this. I would assume
Speaker 2: and tell me if I'm crazy, I said this to
Speaker 2: her already, I would call Matt with Paragon. Did I
Speaker 2: not say that? Or did I?
Speaker 6: You certainly did.
Speaker 2: So let's get mad on and get his first blush
Speaker 2: at Sandy's situation. I don't understand when they say reused.
Speaker 2: Do we ever look at any pictures of this? Dmitri?
Speaker 16: Yeah, I have photos of the credit guard? If Sandy,
Speaker 16: how much will it cost? How much did it cost
Speaker 16: you to replace and reinstall the credit guards?
Speaker 19: Twelve hundred?
Speaker 2: All right, so it's an additional twelve hundred. I mean
Speaker 2: that's a lot of Honestly, it's a lot of work
Speaker 2: for that twelve hundred. Did you pay pro bid that money?
Speaker 10: No?
Speaker 19: I haven't gotten a check from the insurance, so I
Speaker 19: haven't paid anything.
Speaker 2: Okay, who did the actual roof? Did I understand that
Speaker 2: pro bid removed the solar panels? Who the roof?
Speaker 10: Oh?
Speaker 19: Shoot, I can't remember. It's three it's one that mark recommended.
Speaker 2: Did they get paid already? Yes, okay, so everybody's been
Speaker 2: paid except for pro bid in the twelve hundred dollars
Speaker 2: for the career guard. All right, I understand hold on
Speaker 2: three oh three seven one, three eight two five five.
Speaker 2: We're gonna we're gonna get that figured out. We're gonna
Speaker 2: see if we can get mad on. Matt's a public adjuster. Basically,
Speaker 2: once an insurance company says you have damage and they
Speaker 2: agree to fault and they they kind of approve your claim.
Speaker 2: I'm not talking about a dollar amount now, but basically
Speaker 2: say yes, we're gonna go ahead and pay for it.
Speaker 2: Then the next step is how much they're gonna give you.
Speaker 2: If they don't give you the amount that you want.
Speaker 2: In fact, I'm gonna bring doctor Joel in on this
Speaker 2: real quick, Doctor Joel in a previous lifetime. In fact,
Speaker 2: I don't know if you still own that company, but
Speaker 2: you have done public adjusting.
Speaker 7: Yeah, I still have a public adjusting license.
Speaker 2: You still do, so listen to this, Sandy. Yeah, well
Speaker 2: you've been listening to this call. But the bottom line
Speaker 2: is the insurance company, Safego approved the roof, okay, and
Speaker 2: they had solar panels, they had to remove the solar panels.
Speaker 2: They paid for that. Around the solar panels. Whoever installed
Speaker 2: the solar panels in the first place put up, for
Speaker 2: lack of a better word, chicken wire around them so
Speaker 2: the critters couldn't get up there and chew all the
Speaker 2: solar panel wiring. Follow So they paid for the roof,
Speaker 2: they paid for the removal of the solar panels, and
Speaker 2: they paid for the solar panels being back on. They're
Speaker 2: saying the company that did that could have reused the
Speaker 2: same chicken wire. That company saying, there's no way. They're saying,
Speaker 2: look at it, it's totally destroyed. There's nothing we're going
Speaker 2: to be able to repair with this. I would say,
Speaker 2: if a public adjuster got involved, I can't imagine they
Speaker 2: wouldn't pay this additional twelve hundred. I mean, I've never
Speaker 2: heard that. I've heard of it. With gutters, you could
Speaker 2: have reused those, But anytime our public adjusters have fought
Speaker 2: them pretty much, you can't reuse them. They get dented,
Speaker 2: they get messed up. I mean, it's just a part
Speaker 2: of doing that. So what's your first opinion on this, Well, my.
Speaker 7: First opinion is that the the the rodent protectors. Is
Speaker 7: that what we're going to call them the.
Speaker 2: Chicken wire they call them critter guards.
Speaker 7: That the critter guards when they were when that was
Speaker 7: removed as part of the whole roof removal. Uh, that
Speaker 7: that should be replaced if it can't be reused period.
Speaker 2: Yeah. And so the insurance company is saying, no, we're
Speaker 2: not going to pay it. That contractor should have reused it.
Speaker 7: Well, they just need to take pictures of it and
Speaker 7: send it to the insurance company.
Speaker 2: And they're claiming they did, Sandy, am I correct in
Speaker 2: that mark over it? They've got them, they have pictures, they.
Speaker 7: Have everything, and they're saying there can they can be
Speaker 7: And why is the contractor saying that they can't be reused?
Speaker 5: Yeah?
Speaker 2: Good question.
Speaker 7: Are they just too damaged?
Speaker 2: Sandy? Why what if they were damaged?
Speaker 19: They were damaged by by hail? They were damaged, Sandy.
Speaker 2: I can't, I can't enter into an argument that hail
Speaker 2: damaged chicken wire. How did they how did hal damaged
Speaker 2: chicken wire?
Speaker 19: Invented vent it out?
Speaker 2: Okay, fair enough, I mean if that's the case, then
Speaker 2: they should cover it. They should cover it now when
Speaker 2: they don't cover something like this, but they already said, yes,
Speaker 2: we're going to accept the claim.
Speaker 7: Your next step is what hire a public adjust.
Speaker 2: Hire a public adjuster, Okay, and they get paid. Here's
Speaker 2: the problem though, Doc, Look, I know you own that business,
Speaker 2: but I'm going to tell everybody out there there's one
Speaker 2: problem with I mean good public adjusters. There's bad ones,
Speaker 2: but you're a good one. Matt's a good one. I'm
Speaker 2: talking about good ones. My goodness, twelve hundred bucks. What
Speaker 2: does that claim mean to you? That means what one
Speaker 2: hundred and twenty dollars?
Speaker 22: Right?
Speaker 2: Think about that? One hundred and twenty dollars to deal
Speaker 2: with an insurance company for how many hours? Think about
Speaker 2: this over twelve hundred.
Speaker 7: Bucks worth the time?
Speaker 2: Not worth the time. You'll lose money, I would argue,
Speaker 2: it's the you would literally lose money. And that's the problem.
Speaker 7: That's, unfortunately why they deny a lot of even entire
Speaker 7: roof clams.
Speaker 2: So, Sandy, what safe Co is doing is basically just
Speaker 2: putting the screws to you because they know you're not
Speaker 2: going to be able to get a public adjuster unless
Speaker 2: if it was simply done out of the kindness of
Speaker 2: their heart. Because it's going to cost them more money
Speaker 2: to actually deal with this. They generally make ten percent,
Speaker 2: maybe twenty percent. But you're still talking driving out to
Speaker 2: your house meeting with the adjuster. I mean you're talking
Speaker 2: hours upon hours. So honestly, I think it's going to
Speaker 2: come out of your pocket. I really do well.
Speaker 7: She can keep asking to speak to a supervisor, keep
Speaker 7: pushing the issue with them. Sometimes I got an idea.
Speaker 2: I got an idea, Kelly, do me a favor. Let's
Speaker 2: get Brian on with Compass Insurance, hold on Sandy. I
Speaker 2: got one more. I got someone that can make a
Speaker 2: direct call the claims department, the back line for insurance
Speaker 2: suggestions from or to Safeco. I want to ask Brian
Speaker 2: or one of those guys about it. Maybe just the
Speaker 2: right person on her behalf, without having to enter into
Speaker 2: an agreement, can make a call. You think that's possible.
Speaker 7: I would recommend something else. I would recommend that you
Speaker 7: file a complaint with the Department of Insurance at Dora.
Speaker 7: We're going to talk about because then they have to respond.
Speaker 2: We're going to talk about that whole one.
Speaker 11: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 11: dot Com. You don't pay a cent until you're content
Speaker 11: than time for an insurance checkup free no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: all three nine two zero sixteen twenty two.
Speaker 2: All right, three O three seven one three A two
Speaker 2: five five uh three oh three Martino, We're gonna be
Speaker 2: diving into stuff next hour. But we've got a lot
Speaker 2: going on. I got some news on Clayton and that roofing.
Speaker 2: I'm sure it is that company. It is Robinhood Roofing.
Speaker 2: And the website is I think, uh, what was it
Speaker 2: Robinhood Roofs dot com or roof I forget, it's one
Speaker 2: of the two. And then that's it. They have the
Speaker 2: actual business card and let me just I want to
Speaker 2: I do want to clean this up right now. Clayton.
Speaker 2: On that business card, it's Robinhood Roofing. And then the
Speaker 2: guy's name is Dave. Is that correct?
Speaker 5: Correct?
Speaker 2: And that's the phone number you gave to Kelly, right,
Speaker 2: and what is what is that phone number for robin
Speaker 2: Hood roofing. I'm getting it right now, Yeah, get it,
Speaker 2: have her get it, because here's what I want. I
Speaker 2: want our listeners to get them a call, honest to goodness,
Speaker 2: I do. I want you to be nice. But these people,
Speaker 2: in my opinion, got totally screwed. The roof looks old.
Speaker 2: We're going to have one of our inspectors go out.
Speaker 2: But Kelly tried to reach over there. A lot of
Speaker 2: times callers call up and they don't know what they're
Speaker 2: talking about. But according to Clayton, there was never a
Speaker 2: permit pulled. There was never one on the side of
Speaker 2: his house. On top of that, when they were done
Speaker 2: with the roof, some of the roof was curling up
Speaker 2: and it just looks old, right, Clayton correct. And then
Speaker 2: here's the crazy part. When he asked about it, they said,
Speaker 2: all that shingle's made to look old, and you're not
Speaker 2: kidding this guy. Dave actually said that, yeah. And then
Speaker 2: the siding that they had to take off to do
Speaker 2: part of the roof, they only put basically a two
Speaker 2: by four or two by six up and they didn't
Speaker 2: even paint it, and now they won't do anything about it.
Speaker 2: I just want everybody to hear it from you. Yeah
Speaker 2: or nay.
Speaker 5: Yeah, that's what they did.
Speaker 2: And what's that phone number for these guys at Robin
Speaker 2: Hood Roofing, Because I'll tell you what, Robin Hood Roofing,
Speaker 2: I'm gonna start doing commercials for you all the time.
Speaker 2: If you're not going to get dis handled, we're going
Speaker 2: to send an expert out, so hopefully we hear from you.
Speaker 2: And why you would hang up on Kelly four times?
Speaker 2: I can't even imagine. She didn't even say what she
Speaker 2: was calling about. Maybe they're used to it, Maybe they're
Speaker 2: used to people calling up with issues. What is that
Speaker 2: phone number?
Speaker 14: Seven two zero.
Speaker 21: Seven two zero seven zero four nine three four or five?
Speaker 2: And Kelly, that is the number we called, right?
Speaker 3: Correct?
Speaker 2: Seven two zero seven oh four nine three four five?
Speaker 7: Correct?
Speaker 2: Yeah, Kelly just said correct, yep. And I'll tell you what.
Speaker 2: Hold on, guys, we're going to free you up, make
Speaker 2: sure we have all their information, and we're gonna get
Speaker 2: him with our folks over at Petrolley Roofing. As soon
Speaker 2: as the snow's gone, they're gonna get over there and
Speaker 2: look at this roof. We're going to try to figure
Speaker 2: out what's going on. We're gonna see if the shingles
Speaker 2: are old or sad, or if the job was done lousy.
Speaker 2: We're going to figure out why they sold them shingles that,
Speaker 2: according to Dave over there, robin hood roofing are supposed
Speaker 2: to look old. It's so weird even saying that, I mean, Dmitri,
Speaker 2: is that not the dumbest thing you've ever heard?
Speaker 13: Yeah?
Speaker 6: You know, I've heard of decorating your house to have
Speaker 6: that lived in look. Yeah, But putting on a roof
Speaker 6: that looks like a used roof, yes, new to me.
Speaker 2: It's like putting on a sweatshirt with a spaghetti stain
Speaker 2: on it. And for these jerks to actually say it
Speaker 2: is amazing. You know what, robin hood roofing. In my opinion,
Speaker 2: according to all the information I have, and we tried
Speaker 2: to reach out to you listen to this, not once,
Speaker 2: not twice, not three times, but four times, robin hood roofing.
Speaker 2: We wanted to reach out just to see what you
Speaker 2: had to say about it. All you do is hang up.
Speaker 2: That's all you do is hang up. It wasn't even
Speaker 2: on air. We don't call people on air unless they
Speaker 2: want to come on air. Once again, Robin Hood Roofing,
Speaker 2: please do me a favor. Be nice. All the YouTube
Speaker 2: people out there that listen, please be nice. Call up
Speaker 2: say what is going on? Did you really sell a
Speaker 2: shingle that's supposed to make their house look old? Is
Speaker 2: that real? Or or is the caller crazy? Ask them?
Speaker 2: And why won't you do anything about it? Seven to
Speaker 2: zero seven zero four nine three four five seven two
Speaker 2: zero seven oh four nine three four five Robin Hood Roofing, Dave.
Speaker 2: That's that's right. All from the business card that's on
Speaker 2: the business card. That's Clayton's holding in his hand. It's unbelievable.
Speaker 2: We got Brian Burns, Brian Burns, Compass Insurance, Brian. Thanks.
Speaker 2: I got in a little bit of a rant there.
Speaker 2: We got this roofer. We got this Robin Hood roofer
Speaker 2: out there driving me crazy. But listen, this one's driving
Speaker 2: me crazy too. Sad. He's got a problem. Safeco Safego.
Speaker 2: And you know how I feel about Safeco lately, because
Speaker 2: I just went all through this. They came out denied
Speaker 2: my claim. Now they're paying it. But I had to
Speaker 2: get Matt involved. Here's the bottom line. They approved the
Speaker 2: roof with the hail damage anslar panels. They approved removing
Speaker 2: and replacing the solar panels. But the bottom line, and
Speaker 2: I mean this, Brian, is the bottom line is.
Speaker 11: There not go with a sure thing Denver's Best roofer
Speaker 11: Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation comparison
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three oh three seven
Speaker 11: seven to one help. You'll think you're his only customer
Speaker 11: when you choose Frank durand the real estate Man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 23: Rips so you don't have run as fast as we can.
Speaker 1: Shooter's gonna help come.
Speaker 2: This is the Troubleshooter Show.
Speaker 18: Oh no, Tom Martinez, Welcome, Welcome to the show.
Speaker 2: The only show of It's kind of here to self problems,
Speaker 2: answer questions, take complaints. I guess part of the goal
Speaker 2: in life is to rile me up no matter what.
Speaker 2: I can't stand bad contractors and I'm getting sick and
Speaker 2: tired of it. The newest one on my crap list
Speaker 2: is this Robin Hood Roofing. I'm just steaming about it.
Speaker 2: You know, this poor guy they call them up back
Speaker 2: in July they get a new roof. The roof looks
Speaker 2: like crap. Apparently when you look at it and we're
Speaker 2: sending an expert out there, you know, it just looks
Speaker 2: like crap. It's kind of curved up, like the shingles
Speaker 2: are misformed and the whole thing looks bad. Are expert's
Speaker 2: going to take pictures and report back to that soon.
Speaker 2: But the bottom line is this, these guys won't even
Speaker 2: talk to the consumer anymore. We tried to reach out
Speaker 2: for their side of the story off air, of course,
Speaker 2: four times, four different times. We tried to reach out
Speaker 2: to Dave at Robin Hood Roofing, and basically, I'm finally
Speaker 2: giving on their phone number out and I'll tell you why,
Speaker 2: because I need them to know that people out there
Speaker 2: like doing live reviews, so I would like people to
Speaker 2: give them a live review based upon the information from
Speaker 2: the caller. And the information is pretty wild because the
Speaker 2: bottom line is when he brought up how come that's curled.
Speaker 2: And this is according to the caller, how come the
Speaker 2: roof looks old? You know what Dave told him? According
Speaker 2: to Clayton, this part's amazing. He said, it's supposed to
Speaker 2: look old. That kind of shingle's supposed to look coltro Mark, Yeah,
Speaker 2: retroroofing dot com. These jerks, I mean, really unbelievable. I
Speaker 2: can't believe this guy Dave would say that to one
Speaker 2: of his customers at Robinhood Roofing. Dave, I want you
Speaker 2: to call in, my God, just call in right now.
Speaker 2: Three zho three Martino, Dave, call in, I bet by
Speaker 2: added every stretch. You're listening right now. In fact, I
Speaker 2: have no doubt you're listening right now. Why don't you
Speaker 2: Why don't you grow a set and call up and
Speaker 2: explain to him, or just explain to me. Explain to
Speaker 2: me what kind of asphalt shingle you purchase that's supposed
Speaker 2: to look old? I really want to know, because I
Speaker 2: can't find a roof for anybody that's ever heard of it.
Speaker 2: Robinhood Roofing Dave seven two zero seven oh four nine
Speaker 2: three four five. It's the most absurd thing I think
Speaker 2: I've heard. Well, definitely this year. I mean, really, I've
Speaker 2: heard a lot of stuff. I've heard, Hey, the job
Speaker 2: didn't do good. I've heard everything in the world, but
Speaker 2: I have never heard anybody say once again. It's like
Speaker 2: going to Macy's and buying a beautiful new sweater and
Speaker 2: there's spaghetti sauce on it, and the person at macy says, oh,
Speaker 2: it's supposed to have spaghetti sauce on it.
Speaker 3: It's beyond the beyonds mark.
Speaker 2: It's beyond the beyonds now. I got to go to
Speaker 2: Brian Burns. Brian Burns, he's on a referral list Compass Insurance. Brian,
Speaker 2: I got you on for of course, a totally different call.
Speaker 2: But here's the bottom line. Happy New Year, sir. How
Speaker 2: you been doing, man?
Speaker 20: Happy New Year's you guys as well. Oh, I was
Speaker 20: just hearing about this really cool designer sweater you.
Speaker 2: Yeah, and the designer roof. Can you imagine you pay
Speaker 2: eighteen thousand dollars for a roof and when it looks
Speaker 2: like crap, they tell you, oh, it's designed to look
Speaker 2: that way.
Speaker 20: It's like those jeans that have a hole in that.
Speaker 2: Let me tell you, Suzanne. But okay, encourage a little
Speaker 2: side notes Suzanne potted a pair of Jeens years ago
Speaker 2: that had holes in them. They were like one hundred
Speaker 2: and fifty bucks. I almost fainted. So, but here's the deal.
Speaker 2: I want to ask you something. Safeco safe Co is
Speaker 2: refusing to pay for these critter guards. I think I
Speaker 2: kind of explained it, but I got to recap because
Speaker 2: it's a new hour. But bottom line is she had
Speaker 2: roof damage. They agreed they would pay for the hail damage.
Speaker 2: They agreed to pay for the solar panels to be
Speaker 2: removed and replaced. There was some kind of chicken wire
Speaker 2: or critter guard around the solar panels. Everything got put
Speaker 2: back together. The contract said, we can't use these old
Speaker 2: this old chicken wire. It's almost like a gutter that's
Speaker 2: been beat up. We've got to get new ones. We're
Speaker 2: only talking twelve hundred bucks, but safe Co is refusing
Speaker 2: to pay for that last part of the claim. We
Speaker 2: can talk about public adjusters, and we were talking to
Speaker 2: doctor Joel that's also in that business. But the bottom
Speaker 2: line is, for twelve hundred dollars claim, a public adjuster
Speaker 2: would be crazy to get involved because it's like one
Speaker 2: hundred dollars. They're going to have to go out there
Speaker 2: two three times. Just no one would do that in
Speaker 2: their right mind. So, Brian, what do you do in
Speaker 2: a case like that? Doctor Joel said to righte Dora,
Speaker 2: and they're going to have to answer the complaint. But
Speaker 2: I was wondering if you could make a call on
Speaker 2: her behalf to Safeco, because I know you've done that
Speaker 2: for the show a bunch, and see if you can't
Speaker 2: get them to pay the last twelve hundred dollars. It's
Speaker 2: almost like they just they're being jerks.
Speaker 20: Out of TRIOSTI just I had asked if this was
Speaker 20: the case.
Speaker 5: Is this our?
Speaker 20: Is this a customer of Compass?
Speaker 2: Sandy? Who did you get safe go through?
Speaker 21: It's Trailstone?
Speaker 20: Okay?
Speaker 2: No, now hold on, No. Brian brought up a great
Speaker 2: point there that I don't even know if he brought up.
Speaker 2: So when you call up who is it Trailstone?
Speaker 10: Yeah, Trailstone?
Speaker 2: Why aren't they fighting for you? Should they be? Oh
Speaker 2: my god?
Speaker 20: Here's the point is I won't have access to it.
Speaker 20: I don't mind calling them, but they won't legally be
Speaker 20: able to have a conversation with me about her policy
Speaker 20: unless you wants to sign something giving them permission but
Speaker 20: her agent should be able to call and at least
Speaker 20: get more details about what the rationale is here. What
Speaker 20: is it they're saying.
Speaker 2: They're saying they can know. I'll tell you what they're saying.
Speaker 2: They're saying the contractors should reuse the old chicken wire.
Speaker 20: But if the contractor is able to provide proof that
Speaker 20: that's no longer possible.
Speaker 2: They have, and they still refuse. They sent pictures, They've
Speaker 2: done everything, and they still refuse. And here's what I
Speaker 2: hate about this call. We're going on a year without
Speaker 2: getting this handled. I just want to get it handled.
Speaker 2: But Brian, let me revisit with Sandy real quick. Sandy,
Speaker 2: when you call up Timberline or whoever you what's the
Speaker 2: name of it again, your insurance people, Trailstone, Trailstone. Have
Speaker 2: you told them, hey, you help me get paid or anything?
Speaker 6: No?
Speaker 19: I just didn't know that that was a route.
Speaker 2: Well, my god, why okay? Why do you use Trailstone.
Speaker 19: So they could find me a good insurance policy?
Speaker 2: Yeah, I'm gonna well, now hold on, Sandy, I'm gonna
Speaker 2: ask you, Brian, honest to god, how many times do
Speaker 2: you help your clients with Safeco or the other thirty
Speaker 2: plus companies you guys represent.
Speaker 20: Yeah, no, we get involved all the time with claims.
Speaker 20: It's not that we have decision making power, but we
Speaker 20: can put pressure on or at least understand what's going
Speaker 20: on and be able to have some kind of rational conversation.
Speaker 2: So, Sandy, I mean your people, maybe maybe it's not
Speaker 2: Trailstone's issue because you've never even called Is that what
Speaker 2: you're saying, Yeah, I haven't. Oh my god. Okay, here's
Speaker 2: what I want you to do before anything. Here's the
Speaker 2: three steps I want to take. Number One, you're going
Speaker 2: to call it Trailstone. Talk to your your agent and
Speaker 2: say here, this is what's going on, and honestly, the
Speaker 2: way you explained it to me, they're not going to
Speaker 2: understand a damn thing. You tell them, just like this,
Speaker 2: I have this claim number here. They did the roof,
Speaker 2: they did the solar panels back on. They're refusing to
Speaker 2: pay the contractor for the critter guard. The contractor says
Speaker 2: you cannot reuse it. Here's the pictures of it. Just
Speaker 2: keep it that simple, don't get into anything else whatsoever,
Speaker 2: and tell them I need your help and see what
Speaker 2: they can do if they can't pull it off. Step
Speaker 2: Number two is, honestly, I want you to switch over
Speaker 2: to Brian and he'll probably pull it off with Safego.
Speaker 2: I hate to put you on the spot, Brian, but
Speaker 2: twelve hundred dollars on an eighteen hundred dollar claim and
Speaker 2: they have pictures and everything. I think they're just being
Speaker 2: they're just playing hardball. They know they should be paying this.
Speaker 2: I don't even understand the argument, and I can honestly
Speaker 2: say that because Safego tried to screw me last year,
Speaker 2: so I don't mind saying it whatsoever.
Speaker 4: Now.
Speaker 2: The third would be exactly what doctor Joel says. You
Speaker 2: write to Dora and say I can't even get a
Speaker 2: response for this people, Doctor Joel charedact please explain that
Speaker 2: one more time.
Speaker 7: The Department of Insurance is regulated by Dora. Yep, so
Speaker 7: I'm not sure exactly. You have to navigate through the
Speaker 7: DORAS website to find how you complain against the complaint
Speaker 7: to the Department of Insurance. Well, Brian might actually know,
Speaker 7: but yeah, he probably does. But all you do is
Speaker 7: you file that complaint, explain what's going on in detail,
Speaker 7: and they're forced and they have to have somebody responding.
Speaker 7: Oftentimes the person that does respond is a supervisor or
Speaker 7: somebody higher up because they don't want to get in
Speaker 7: trouble with Dora, And a lot of times if the
Speaker 7: claim is legitimate, they'll pay it at that point.
Speaker 2: So listen, this is exactly what I do. Try to
Speaker 2: go through your agent first, Sandy. I figured you already
Speaker 2: did that. I mean, I really did. I don't know
Speaker 2: why we have missed that for over a year's period
Speaker 2: dealing with this, So I want you to do that
Speaker 2: soon as we hang up. And then basically I want
Speaker 2: you to file that complaint with Dora if they can't,
Speaker 2: if your insurance agent give them a few days doesn't
Speaker 2: do anything, and then after that then we can go
Speaker 2: to the route of switching and going to Brian Burns's
Speaker 2: Encompass Insurance, who I have personally used for ten fifteen years.
Speaker 2: When's the last time how long have you had Safego?
Speaker 4: Oh?
Speaker 19: I don't know a long time.
Speaker 2: When's the last time I want to ask you this
Speaker 2: for everybody else out listening, when's the last time someone
Speaker 2: at Trailstone reached out to you and said, Hey, I
Speaker 2: found a cheaper coverage or better coverage through a different
Speaker 2: company instead of Safego.
Speaker 19: They're in touch with me every year. Okay, I'm finding
Speaker 19: the best.
Speaker 2: Very glad to hear that, because a lot of agents
Speaker 2: don't and the people Accompass do that for me every
Speaker 2: year for all mine. So are we on the same page?
Speaker 2: And then I want you to get back with Deputy
Speaker 2: Dimitri and hopefully we put a close to this because
Speaker 2: the twelve hundred bucks is twelve hundred bucks. We need
Speaker 2: to get this handled. I believe you're one hundred percent
Speaker 2: in the right, Brian. Would you agree If everything she's
Speaker 2: say in is gospel, this should be a no brainer
Speaker 2: and they should be paying it.
Speaker 20: I do agree, And I will tell you one other alternative,
Speaker 20: you know, please or instead of would be the appraisal process.
Speaker 20: Oh there, you know you can always go through the
Speaker 20: appraisal process where you are sending it to a umpire
Speaker 20: who will ultimately make a decision.
Speaker 2: And that's what I did.
Speaker 20: It's a pretty common sense saying you're you're gonna get
Speaker 20: it on your side.
Speaker 2: Yeah, but once again we're talking twelve hundred bucks. How
Speaker 2: much does that cost a consumer?
Speaker 20: Very little, because you all you have to do is
Speaker 20: you pay for your professional but in this case, it's
Speaker 20: for rufer. Yeah, and then and then the umpire you
Speaker 20: split the cost, which is pretty cheap, and then they
Speaker 20: decide it.
Speaker 6: Yeah.
Speaker 2: I just went through that with Safeco. Literally, yeah. Whatever,
Speaker 2: I'm not gonna dive into that. Hey, I appreciate it.
Speaker 2: That's Brian Burns Compass Insurance. By the way, just call
Speaker 2: these guys up. If you haven't shopped insurance. I don't care.
Speaker 2: If you have all state State Farms, Safego, Progressive, I
Speaker 2: don't care. If it's a corporate policy like garage keepers
Speaker 2: for a shop, I don't care what it is. The
Speaker 2: bottom line is these guys do the best for insurance,
Speaker 2: and if you have the best already, they're gonna tell
Speaker 2: you they're honest people. Check them out at compassinsurance dot com.
Speaker 2: Let's free up Sandy. Monica's got a problem with a neighbor. Joshua,
Speaker 2: you're gonna be up next. You've been holding the longest.
Speaker 2: And then Jen's got an issue with his septic tank.
Speaker 2: All that and a lot more coming right up.
Speaker 11: Go with a sure thing Denver's best roofer Excel roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check cup free no obligation. In comparison,
Speaker 11: call Compass Insurance pain too much your coverage at dozens
Speaker 11: of insurance companies find out Now three O three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 2: Genesis Total Exteriors. Mark Simanski's the owner. I'm gonna tell
Speaker 2: you something about him. He had his painter come out.
Speaker 2: As painter's been with him like twenty years. He hates
Speaker 2: when I do this because they do everything. They do
Speaker 2: siding and windows, he does, roofs, they do a lot
Speaker 2: of stuff, anything exterior he does. In fact, his stucco
Speaker 2: business is absolutely off the charts. His stucco pricing is great.
Speaker 2: They can even go over whatever you currently have on
Speaker 2: for the most part and make your house with brand
Speaker 2: new at a very reasonable price. They can help with
Speaker 2: insurance companies. But his painter, let me get back to that.
Speaker 2: My goodness, they painted our house the exterior five years ago.
Speaker 2: That thing still looks like they painted it yesterday. They
Speaker 2: helped with They helped Suzanne with the colors. It's just
Speaker 2: the best paint job. The pricing was great. If you
Speaker 2: need that house painted, you need anything with the exterior,
Speaker 2: I want you to check out genesistotalexteriors dot com, genesistotal
Speaker 2: Exteriors dot com or just google it marks the owner
Speaker 2: Great guys now three oh three seven one three A
Speaker 2: two five five. I have one line open. Joshuasben Holding
Speaker 2: forever Joshua. First of all, I really do appreciate you holding.
Speaker 2: You've got props to a contractor. Who is it?
Speaker 24: Yeah, it is a pino from a company called Pursuit
Speaker 24: of Excellence.
Speaker 2: Pursuit of Excellence and what do they do?
Speaker 24: Yeah, So he started out as a framer and then
Speaker 24: in the Southeast built show decks and he's a framer
Speaker 24: up here in Colorado Springs and he is breaking into
Speaker 24: the general contracting world. We had a dishwasher flood and
Speaker 24: completely flutter house, so we decided I had to completely.
Speaker 5: Gut the house.
Speaker 2: And he did everything.
Speaker 13: He did new.
Speaker 24: Floors, new stairs, built hims, Wayne Scotting.
Speaker 2: Wow, and he just did a great job.
Speaker 8: Huh.
Speaker 2: Yeah, you know what I want you to do? Do
Speaker 2: me a favor. I leave your info with Kelly, and
Speaker 2: I'm gonna have Daphne contact him about referral list. All right,
Speaker 2: So I appreciate you telling him that, but I mean
Speaker 2: he's licensed, and I know you had a good deal
Speaker 2: with him, But I mean, is there any bad reviews
Speaker 2: on him? I mean, how's he look online?
Speaker 5: He looked great online.
Speaker 24: He just built a new website and half my house
Speaker 24: is actually on it. Because he used to be a
Speaker 24: framer for somebody that was on your referral list. Oh,
Speaker 24: that individual moved to Florida, so he broke in. Who
Speaker 24: was general contracting folks rob from Affordable Views.
Speaker 2: Oh okay, that's going back away, all right, Hold tight, man,
Speaker 2: give that information. Kelly. Just email me that information and
Speaker 2: we'll see how it works out. You know, on referral
Speaker 2: list dot Com, we do criminal background checks. We have
Speaker 2: them sign our code of ethics. Doctor Joel, you're on there.
Speaker 2: You know that we've done all that. That's why referral
Speaker 2: list dot Com. Not only is it the original list,
Speaker 2: but it's the best. I'm gonna go with Monica next,
Speaker 2: because you've been holding the longest. But I got to
Speaker 2: talk to doctor Joel. I told everybody if you missed it,
Speaker 2: By the way, go to YouTube dot com type in
Speaker 2: Troubleshooter Network. You can hear and see us during the breaks.
Speaker 2: It's a great way to watch and listen to the
Speaker 2: show a little more participation. It's kind of cool. But
Speaker 2: doc I got on. Try Zeppis. I told you, I'm
Speaker 2: going to struggle with that for the rest of my life.
Speaker 2: Try zeppetide urszepetide urszepetite.
Speaker 6: There you go.
Speaker 2: Last Wednesday, my wife's sitting next to me. She'll tell
Speaker 2: you I've literally dropped twelve pounds in six days. We've
Speaker 2: kind of talked about this. It's an incredible drug for
Speaker 2: the main reason and for everybody out there. Basically, I
Speaker 2: started around two hundred and twenty five. Last Wednesday, I
Speaker 2: weighed myself that day. Now I'm down under two fifteen,
Speaker 2: and the bottom line is it's about twelve and a
Speaker 2: half thirteen pounds in six days.
Speaker 5: Now.
Speaker 2: A lot of people are going to say that's water
Speaker 2: weight or whatever. But one of the things I have
Speaker 2: always done is I usually don't eat breakfast and stuff,
Speaker 2: but I'm always hungry. I'm constantly thinking of food. In fact,
Speaker 2: Dragon told me that one time Dragon lost a ton
Speaker 2: of eight years ago, and he's kept it off, but
Speaker 2: he thinks about food a lot, just like all of us.
Speaker 2: I don't think about that candy bar. That's really what
Speaker 2: this drug does, doesn't it. It literally makes you not
Speaker 2: think of food somehow. And then the other thing it does,
Speaker 2: it makes me feel full even after I eat. Like
Speaker 2: last night, I had what was that, maybe a quarter
Speaker 2: pound of chicken.
Speaker 3: Yeah, a little bit of chicken is all you had?
Speaker 3: The night before that, you had two little sliders.
Speaker 2: Yeah, two sliders, no bunter or anything, just the actual meat.
Speaker 2: But think about that, and I feel full afterwards. Unlike
Speaker 2: any other diet. I've ever done a crash diet where
Speaker 2: I'm doing no carbs for a month and I can
Speaker 2: drop weight pretty quick. But I wanted to try this. Generally,
Speaker 2: when I'm on a diet, all I'm thinking about is food.
Speaker 2: The difference between any diet I have ever done, whether
Speaker 2: it's no carb. I had a diet years ago, she
Speaker 2: laughs about, go ahead.
Speaker 14: What was it?
Speaker 3: Yeah, your banana and beer?
Speaker 2: All I had.
Speaker 3: Diet.
Speaker 2: All I had was one michelobe each day, one michelob
Speaker 2: ultra in bananas, and I dropped twenty pounds in a month.
Speaker 2: I mean, you know why, because there's no calorie intake.
Speaker 2: But here's the bottom line. I can't believe I just
Speaker 2: admitted to my homemade diet of bananas and beer.
Speaker 3: It's gonna go viral.
Speaker 2: Mark God, it worked too. It was crazy. I'm not
Speaker 2: suggesting that for people out there. That was many years ago.
Speaker 2: So anyhow, DOC the difference between anything else, I don't
Speaker 2: think of food. It's remarkable, yep.
Speaker 7: And that's what most patients experience. It's because your body
Speaker 7: is literally being told that you have enough, that you're
Speaker 7: fool and that you don't eat to eat anymore. You
Speaker 7: don't think about food. People that have food cravings that
Speaker 7: you know, you've heard the term angry. Yeah, it really
Speaker 7: it helps with that. It cures hanger and you know,
Speaker 7: it's been shown. I'm looking at some statistics here. Thirty
Speaker 7: three percent of people lost more than twenty percent of
Speaker 7: their body weight.
Speaker 2: That's incredible. Yeah, and these kind of drugs through you
Speaker 2: guys at Denver Region. I mean, I know what I pay,
Speaker 2: and I have the I'm not even gonna say it anymore,
Speaker 2: but basically, these these kind of plans start at what
Speaker 2: three ninety five.
Speaker 7: For terms zeppotide we're four seventy five for the other one,
Speaker 7: so magnetize, and that's generally what people use. The same
Speaker 7: drug that's in ozempic's sozepic.
Speaker 2: And how much does that start at, So.
Speaker 7: We're two ninety five for that. That's what most of
Speaker 7: our patients start with. Ye uh, And most of our
Speaker 7: patients are fine with that. If they're not, then oftentimes
Speaker 7: we'll move them up to terms epetite, which is a
Speaker 7: stronger medication. You started with that, which may be a
Speaker 7: reason why you've had such dramatic weight losses.
Speaker 2: It's absolutely unbelievable. And here's how it works, you guys.
Speaker 2: One of your MD's called me up and basically we
Speaker 2: talk on the phone. I fill out a questionnaire and
Speaker 2: basically get the prescription. Next thing I know, the next day,
Speaker 2: FedEx shows up and the meds come. They're like refrigerated,
Speaker 2: They come with the needles, they come with everything you
Speaker 2: need and a full video instruction and there's nothing to it.
Speaker 2: I was a little afraid. I've never given myself a shot.
Speaker 2: I can't even it's not like a flu shot. I
Speaker 2: don't even feel it. Basically, you put the needle in
Speaker 2: just like you see on TV, you pull it up
Speaker 2: to whatever the setting is, five to eight, whatever it is,
Speaker 2: and then you just find a little fat on your belly,
Speaker 2: next to your belly button, and you just put the
Speaker 2: needle in and you put it in.
Speaker 20: That's it.
Speaker 2: There's nothing else to do it.
Speaker 7: It's like a mosquito bite.
Speaker 2: I don't even think it's like a mosquito bite, honestly.
Speaker 2: I mean it's like nothing.
Speaker 7: No, it's like a lot of people don't feel it.
Speaker 2: I had no irritation. I had nothing. You know, I'm
Speaker 2: big on reading side effects and the side effects, maybe
Speaker 2: a little irritation next to it. I had nothing.
Speaker 5: Yeah.
Speaker 2: Yeah, I couldn't even tell I did.
Speaker 7: It's just an insulin. You know, it's really small.
Speaker 2: It's so tiny, the needle is so tiny. You just
Speaker 2: don't feel it. I don't want people to think, oh,
Speaker 2: you're trying to find a vein and you're doing It's
Speaker 2: nothing like that.
Speaker 7: No, not at all.
Speaker 2: It's a remarkable drug. Anybody out there. And who asked
Speaker 2: this last time? Was it you, Dimitri? That last fifty pounds?
Speaker 6: Yeah, I was actually asking you about the last twenty pounds.
Speaker 5: You know.
Speaker 16: The first, however much I lost, was really easy and
Speaker 16: I'm not on that medication that you guys are just disgusting.
Speaker 16: But it's the really it's the most stubborn fat that's
Speaker 16: around the belt line. And then it's also the most dangerous,
Speaker 16: isn't it, Because it's called visceral or man right, and
Speaker 16: it it's somehow harmful to my internal organ well.
Speaker 7: Visceral fat. Higher visceral fat percentage is associated with an
Speaker 7: increased mortality. There's just a correlation, and that's bad, right, Yes,
Speaker 7: being dead is not good. But what I would want
Speaker 7: to mention is that in our clinic, we have a
Speaker 7: lot of our patients who come to us with that
Speaker 7: very problem. They can't get rid of the.
Speaker 2: Last you know, they plateau.
Speaker 7: Ten to twenty pounds that they need to lose.
Speaker 16: And Joe and I haven't asked that question all these
Speaker 16: years because I assume that that medication is for like
Speaker 16: morbidly obest people.
Speaker 6: I didn't realize that I'm pretty close to normal.
Speaker 16: I didn't realize I could benefit maybe from it from
Speaker 16: to the same extent that you're more challenging.
Speaker 7: And what you're talking about is for the insurance carriers
Speaker 7: to cover it, you need to fit criteria that would
Speaker 7: classify you as MORBIDLEO.
Speaker 2: But if you're if you're paying cash and honestly you wondering.
Speaker 7: How I'm let me mention the caveat. Our team is
Speaker 7: still going to go through the process of medically screening
Speaker 7: you to make sure that you're appropriate you have to,
Speaker 7: and that there's not going to be any dangerous side
Speaker 7: effects and that the benefits are going to outweigh the
Speaker 7: risks of taking the medication. Like any medicas, guys.
Speaker 2: I have to break here. I hate to interrupt it,
Speaker 2: but that's Denver Regen dot com. Really just go check
Speaker 2: them out right there, call them up there, great people.
Speaker 2: I'm going to let everybody just constantly know how my
Speaker 2: journey's going well. Hold on uh Janmonica one line open
Speaker 2: three oh three seven one three eight, two five five.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content
Speaker 11: than time for an insurance check up, free no obligation
Speaker 11: comparison call Compass Insurance paying too much your coverage at
Speaker 11: dozens of insurance companies find out now three oh three
Speaker 11: seven seven to one help.
Speaker 2: You'll think you're his only customer.
Speaker 11: When you choose Frank durand the real estate man dot
Speaker 11: com to list your home with Remax Alliance three oh
Speaker 11: three nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seventy one three eight two
Speaker 2: five five three oh three, Martino, you've been ripped off
Speaker 2: or taking advantage of We want to hear from you.
Speaker 2: By the way, just really quick on hop to the phones.
Speaker 2: We were talking doctor Joelan myself. I was telling her,
Speaker 2: you know, people spend that two hundred and ninety five
Speaker 2: bucks a month for that weight loss, and I can't
Speaker 2: talk about it more. It is working so well for me.
Speaker 2: In six days, I'm over ten twelve pounds down, and
Speaker 2: more importantly, I simply just don't I feel full, and
Speaker 2: I don't by any means think of food. It's really incredible,
Speaker 2: unlike any other diet where you might be sticking to it,
Speaker 2: but all you're thinking about is whatever you like eating pizza, sweets,
Speaker 2: whatever it is. But I'm actually saving money on this diet,
Speaker 2: you know how, even though I'm paying you guys four
Speaker 2: hundred and seventy five bucks a month, okay, or two
Speaker 2: ninety five whatever it is, depending on the medication. Here's
Speaker 2: the deal. You know how I'm saving money? Doc, How's
Speaker 2: that we eat out all the time. I'm not kidding,
Speaker 2: Susanna and I eat out, you know, since the kids
Speaker 2: have been gone.
Speaker 3: Yeah, empty nest life five, five, six.
Speaker 2: Times a week, maybe seven, to be quite honest.
Speaker 7: Sometimes, Yeah, you're saving more money than you.
Speaker 2: I'm saving way more money. I mean the average dinner
Speaker 2: maybe I don't know, sixty bucks. I mean, think about that.
Speaker 2: That's two hundred and fifty to three hundred dollars a week,
Speaker 2: and we're not doing it. If we do go out now,
Speaker 2: the bill would be half because I'll just eat a
Speaker 2: little off her plate. I would never order my own
Speaker 2: dinner right now.
Speaker 3: Now, I can go do some extra shopping, Mark.
Speaker 2: Okay, Well, that that whole part's getting mixed. Well, that's
Speaker 2: a great point, Mark, that I'm mixing her whole shopping park,
Speaker 2: I think.
Speaker 7: So yeah, can you.
Speaker 2: Can you imagine it's like when your wife comes back
Speaker 2: saving money and says, hey, it was on sale four
Speaker 2: hundred dollars. Dress was on sale for two hundred. I
Speaker 2: saved you two hundred, Yes, exactly. Okay, So who's been
Speaker 2: holding the longest Monica? First of all, I appreciate you
Speaker 2: holding three zho three Martino. What's going on with your neighbor?
Speaker 2: We have had some neighbor calls over the years that
Speaker 2: are incredible. What's going on with yours?
Speaker 4: Hi?
Speaker 21: Can you hear me?
Speaker 2: I can hear you.
Speaker 25: Monica, Okay, I'm driving to my apology.
Speaker 2: Well be careful it on speakerphone. If you can go ahead, Yes, yes,
Speaker 2: I will.
Speaker 25: It has been quite a journey, to say the least.
Speaker 25: I have lived in my condos for almost three years,
Speaker 25: and for the past year I have had issues with
Speaker 25: my neighbor. But it comes down to the fact that
Speaker 25: she has been renovating her home and doing it sort of,
Speaker 25: you know, by herself, or hiring contractors who don't always
Speaker 25: speak English, so it's difficult to even communicate with them
Speaker 25: as an outsider. And she's done some things that has
Speaker 25: caused water to come through my feelings. Lord, she lives
Speaker 25: on the top and I have I have two water
Speaker 25: claims and then a liability claim that she has put
Speaker 25: onto my insurance. She refuses to take accountability and we
Speaker 25: have we have an HR way and that there's some language,
Speaker 25: Monica sepregation.
Speaker 2: Monica, hold on one second. I want to understand a
Speaker 2: few things. So she did some work. Whatever that work was,
Speaker 2: who knows, but she was messing around with water lines
Speaker 2: or something and it started leaking. It comes through your roof,
Speaker 2: correct or your ceiling? Your ceiling, yes, So then you
Speaker 2: call up your insurance company, is that correct? Or do
Speaker 2: you go talk to her?
Speaker 25: I talked to her and she refused to go through
Speaker 25: her insurance, so I had to.
Speaker 2: So you went through your own insurance, yes, and your
Speaker 2: own insurance. Are you having an issue? That's exactly what
Speaker 2: you should be doing in this case. So do you
Speaker 2: have an issue with your own insurance company not paying.
Speaker 11: Well?
Speaker 25: Now they have handled the water planes, but now I'm
Speaker 25: being dropped by them because of how many I've had
Speaker 25: to do because of her negligence up stating.
Speaker 2: That's very interesting actually.
Speaker 25: And they haven't been and they haven't been able to
Speaker 25: subrogate because there's some language in the HIA documentation that
Speaker 25: prevents that, which is really crazy to me.
Speaker 2: Now what would that what would that language be? Don't
Speaker 2: get that?
Speaker 25: Essentially, it prevents subrogation, So it prevents my insurance company
Speaker 25: from being able.
Speaker 2: To go after in your HOA documents, have you had
Speaker 2: an attorney look at that. I sure have, and the
Speaker 2: attorney literally said, your insurance company according to this, I
Speaker 2: got to get Brad O'Brien on. I've never heard of
Speaker 2: anything like this.
Speaker 16: I heard this a couple of weeks ago for the
Speaker 16: first time, and I'm wondering, why don't we all have
Speaker 16: an anti subrogation clause in our personal life so that
Speaker 16: our insurance companies can't somebody can't go trying.
Speaker 2: We've got too great hold on Monica. You've been holding
Speaker 2: a long time. But I want to get Brad O'Brien on.
Speaker 2: That's that's a very interesting.
Speaker 6: Thought.
Speaker 2: So there's two things here. One, is there anything she
Speaker 2: can do because she got dropped by or an insurance
Speaker 2: because of the multiple claims from the neighbors. Does a
Speaker 2: neighbor have any liability there at all? That's an interesting
Speaker 2: question within itself. My gut says no, but I want
Speaker 2: to talk to an attorney on that. And then the
Speaker 2: other thing is how can they stop an insurance company
Speaker 2: that they do not have an agreement with? In other words,
Speaker 2: the choa does not have an agreement with insurance company
Speaker 2: number one. If insurance company number one wants to go
Speaker 2: after insurance company number two to get reimbursed or subrogate
Speaker 2: to claim. I don't understand how an choa document could
Speaker 2: stop that from happening. I just don't understand that this
Speaker 2: is gonna be good for Brad O'Brien. Everybody holds tight
Speaker 2: three oh three Martino, one line open, three oh three Martino,
Speaker 2: jen I promise your crappy situation will be up after Monica.
Speaker 11: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance checkup free, no obligation. In comparison,
Speaker 11: call Compass Insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three all three, seven
Speaker 11: to seven to one.
Speaker 2: Help.
Speaker 11: You'll think you're his only customer when you choose Frank
Speaker 11: durand the real estate Man dot com to list your
Speaker 11: home with Remax Alliance three all three nine two zero
Speaker 11: sixteen twenty two.
Speaker 2: All right, folks, and we got another hour going. Listen, Monica,
Speaker 2: Kelly's gonna try again over the break to get our
Speaker 2: attorney at Brad O'Brien. It's what's really crazy, though about this, Monic,
Speaker 2: is I still don't understand how your ho WAD document,
Speaker 2: even if you agree to it, I get all that,
Speaker 2: I don't understand how that could dictate to your insurance company.
Speaker 2: They can't subrogate. I just simply don't understand that, and
Speaker 2: I need to understand that from Bradley O'Brien. And then
Speaker 2: the other issue is you could probably go ahead.
Speaker 25: Oh sorry, no, I wish, I wish I understood that
Speaker 25: as well. But when when they attempted to subrogate, because
Speaker 25: they did attempt to subrogate, you know, they were unsuccessful.
Speaker 25: And then her insurance company sent me a denial letter.
Speaker 25: And the only reasoning that they were saying she wasn't
Speaker 25: liable was because of the language in the HUAA that
Speaker 25: prevents subrogation, which is a very convenient loophole for them
Speaker 25: to not be.
Speaker 2: You know, be just about the fact that I have
Speaker 2: never heard of anything like that. Listen, we're gonna we're
Speaker 2: going to continue to try to get them. But you
Speaker 2: know who sells these policies left and right. I knew
Speaker 2: we'd need them again today, Compass. Let's get Brian back up.
Speaker 2: I want to see if he's personally run into this
Speaker 2: on policies he's sold in condos or town homes or
Speaker 2: virtually anything with an HOA. I just I don't understand.
Speaker 2: I get the denial, but I don't think that's a
Speaker 2: legitimate denial. I just don't understand it. I mean, we're
Speaker 2: going to figure that out, and we're going to figure
Speaker 2: it out quick. Hopefully we can get Brad O'Brian jen
Speaker 2: as an issue with se septic tank, a crappy situation.
Speaker 2: We'll figure that out, and then two lines open three
Speaker 2: oh three Martino, another hour to go three oh three
Speaker 2: seven one, three eight, two five five, and any questions
Speaker 2: you have on the weight loss drug that I'm on
Speaker 2: for Doctor Joel Cherdak He's Denver regi dot com. Please
Speaker 2: call in.
Speaker 11: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 11: dot com. You don't pay a cent until you're contenth
Speaker 11: wait time for an insurance check up free, no obligation.
Speaker 11: In comparison, call Compass Insurance paying too much your coverage
Speaker 11: at dozens of insurance companies find out now three oh three,
Speaker 11: seven seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the Real Estate Man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 6: You don't help, run.
Speaker 11: As just as fast as we can.
Speaker 1: Shooter's gonna help.
Speaker 18: Come man, This is the Troubleshooter Show. No Tom Martino,
Speaker 18: Welcome my.
Speaker 2: Friends to the only show that's kind. We're here to
Speaker 2: solve problems, answer questions, take complaints. Our goals to make
Speaker 2: your life a little little bit better, if not a
Speaker 2: lot better, if possible. We have recooped over three hundred
Speaker 2: million dollars in cash, merchandise exchanges refunds directly due to
Speaker 2: this show. If you have a problem need help, three
Speaker 2: oh three Martino. By the way, that number works on
Speaker 2: and off the air. I try to get it out
Speaker 2: there all the time because if you're you know, at
Speaker 2: a dinner party or talking to a neighbor or a
Speaker 2: brother or sister, even if they're not from around these parts,
Speaker 2: you got to give them that number. Three oh three Martino.
Speaker 2: We try to help out everybody, and we love getting
Speaker 2: educated on the show as well, and we're gonna to
Speaker 2: do that with an attorney. In a minute, we had
Speaker 2: a caller call up Monica and her neighbor flooded her
Speaker 2: in her condo and.
Speaker 3: Multiple times, it sounds like multiple times.
Speaker 2: And she ended up turning everything into her own insurance company,
Speaker 2: and her own insurance company tried to subrogate against the neighbor.
Speaker 2: The neighbor wouldn't give up any of her insurance info,
Speaker 2: didn't want to turn it in, so she turned it
Speaker 2: into her own. When the insurance company went to subrogate,
Speaker 2: she received a denial letter, meaning the caller received a
Speaker 2: denial letter from the lady's insurance company denying the subrogation.
Speaker 2: Which all of this sounds it just doesn't sound right whatsoever,
Speaker 2: But this is what Monica, the caller's telling us. So
Speaker 2: she receives the letter saying we're rejecting the claim because
Speaker 2: of this language in the HOA. So I still don't
Speaker 2: understand how that could happen, but it brings up another question,
Speaker 2: and we're gonna ask John Fuller about it, because he
Speaker 2: deals with insurance companies all the time. And I'm also
Speaker 2: going and asked Brian Burns with Compass Insurance if he
Speaker 2: has seen condo policies that talk about subrogation in the HOA.
Speaker 2: I don't even know that makes sense, but we're going
Speaker 2: to find out or is this other insurance company and
Speaker 2: this lady just giving Monica the run around, which is
Speaker 2: what I think is going on, and she's going to
Speaker 2: need to sue them. But we're going to talk about
Speaker 2: that with an attorney and get some education on that. Meantime,
Speaker 2: I want to talk to Jen. She's got a problem
Speaker 2: with a septic tank. Jen, what's going on with you?
Speaker 2: And welcome to the show.
Speaker 25: Hey, thanks for taking my call.
Speaker 21: Our septic started flooding and so we called Shirley Septic.
Speaker 21: They came out and they pumped it out, and then
Speaker 21: they said that it's actually an electrical problem going to
Speaker 21: the septic pump. So I'm wondering if you have a
Speaker 21: resferral for someone who would know about the septic pump
Speaker 21: but also the electricity.
Speaker 2: Boy, that's that's interesting. I would I would say, off
Speaker 2: the top of my head, probably Master Router. I would
Speaker 2: say Master Router Plumbing. I'm trying to think, does anybody
Speaker 2: remember if plumbline? Maybe we should ask Bob about that
Speaker 2: because I'm thinking more on the pump side. I would like,
Speaker 2: let's see if we can't get Bob on Bob logan,
Speaker 2: hold on a second. I want to get you the
Speaker 2: right company than you what the company that is looking
Speaker 2: at it now. They came out and thought there was
Speaker 2: a clog, but it's actually the pump not working and
Speaker 2: pumping properly.
Speaker 21: We don't know if the pump is working or not
Speaker 21: because they said it's the electrical going to it.
Speaker 2: So they're saying when they test that feed of power,
Speaker 2: they're getting zero right there, right or not?
Speaker 14: The fool or not the folk?
Speaker 2: Maybe it's just a simple electrician needed.
Speaker 3: Then I'm texting Bob Logan right now.
Speaker 2: Yeah, I'm curious about this. And the main thing with
Speaker 2: Bob is do they work on septic systems? I know
Speaker 2: for a fact when we bought our house, they came
Speaker 2: out and inspected mine from top to bottom as part
Speaker 2: of my due diligence to basically check out the house
Speaker 2: I was buying. But whether or not, we're gonna find out.
Speaker 2: Just just hold on Jack.
Speaker 8: You know.
Speaker 21: One other thing is we are in Conifer.
Speaker 14: Yeah.
Speaker 2: I think they go to Conifer, don't they. We'll ask
Speaker 2: them that too. I think they do Conifers. Not how
Speaker 2: far are you from Denver?
Speaker 3: It's like by isn't that by Evergreen?
Speaker 5: Yeah?
Speaker 2: Yeah, I'm pretty sure they go up there. Well, just
Speaker 2: just hold on.
Speaker 3: We're gonna here's the thing.
Speaker 13: Mark.
Speaker 4: Even if Plumbline doesn't do it, one of our listeners
Speaker 4: is going to have a referral for Well.
Speaker 2: Yeah, there's no doubt about it. But it's interesting. The
Speaker 2: company she called when they had a problem with su
Speaker 2: septic system, Well, they probably don't have an electrician working
Speaker 2: for him, is all. I can think. Different sectors possibly.
Speaker 16: The Elwier with the Shirley company. They they they come
Speaker 16: out and they suck out the septic systems.
Speaker 2: They just a pumper base.
Speaker 6: Yeah, that's what they do.
Speaker 2: Oh, I got cha.
Speaker 6: I heard their number one in the number two business.
Speaker 2: Oh that's that's something. They're number one in the number
Speaker 2: two business.
Speaker 6: To meet you.
Speaker 2: That's pretty good. Actually, thank you, that's pretty good.
Speaker 6: I'm going to license it to Shirley.
Speaker 2: Yeah that's crazy. Heyte you guys. While we're waiting, we're
Speaker 2: waiting for a couple experts for gen and Monica. We
Speaker 2: do have a couple of lines hoping three oh three seven,
Speaker 2: one three eight two five five Denver, the mayor, Mayor, Mike,
Speaker 2: let's just call the mayor Mike.
Speaker 6: I saw.
Speaker 2: An excerpt from him talking about he met his goal
Speaker 2: for twenty four and got two thousand people homeless people housed.
Speaker 2: Did you guys see this yesterday or two days ago?
Speaker 2: He met his goal. His goal was to do that.
Speaker 2: In fact, he did better than that. He exceeded his goal.
Speaker 2: He got like two two hundred people. Let's take that
Speaker 2: as gospel. Okay, that happened. Let's say it did happen. Now,
Speaker 2: if there's more homeless people this year in twenty twenty four,
Speaker 2: Let's just say there's six thousand homeless people in Denver
Speaker 2: and two thousand of them you got into a shelter
Speaker 2: of some sort. And by the way, they're not including
Speaker 2: immigrants in these numbers. So these numbers are just so flawed.
Speaker 2: I can't even I guess it depends where you're from
Speaker 2: if you're actually homeless when you're homeless, But that's a
Speaker 2: different story. That's just crap. That's what that is. So
Speaker 2: think about this. Let's say the number was six thousand,
Speaker 2: and he gets two thousand by the end of the year.
Speaker 2: There's six thousand homeless in Denver at the beginning of
Speaker 2: the year, he gets two thousand into homes by the
Speaker 2: end of the year. You would think logically that means
Speaker 2: now there's only four thousand homeless that aren't at least
Speaker 2: living outside there in shelters or something, right. I mean,
Speaker 2: if you do the math like that. The problem with
Speaker 2: this math is there's a lot more homeless people in
Speaker 2: Denver now at the end of the year. So if
Speaker 2: they started at six thousand, now, let's say they have
Speaker 2: nine thousand. They put two thousand into shelter, but they
Speaker 2: still have more people homeless than they did at the
Speaker 2: beginning of the year. It's the craziest argument I've ever
Speaker 2: heard from this guy. But yet somehow he reached and
Speaker 2: exceeded his goal. Am I making sense to people? There's
Speaker 2: more homeless people right now in Denver than there was
Speaker 2: at the beginning of the year. And I'm not talking
Speaker 2: about people in shelters. I'm talking about people in Denver
Speaker 2: walking around without shelter, without a home or anything. Okay,
Speaker 2: now there's more people, more people. Even if he got
Speaker 2: two homes for two thousand, there's more people. Did he
Speaker 2: do anything. I don't think he did a damn thing.
Speaker 3: Mark to play Devil's advocate.
Speaker 4: I think like he's not saying he reduced homelessness, he
Speaker 4: just housed more homeless than he thought he would be
Speaker 4: able to take.
Speaker 2: It's worse than that. He increased homelessness.
Speaker 3: Word trickery or something.
Speaker 2: It is that that's exactly what he's trying to do.
Speaker 2: Oh hey, I pulled off what I wanted to do.
Speaker 4: It.
Speaker 2: It's going back to like saving money. But you bought something,
Speaker 2: something's on sale, so you buy it instead of spending
Speaker 2: the two hundred, you saved the two hundred.
Speaker 16: Well Mark Mayor, the Devi mayor is clearly a glasses
Speaker 16: half full kind of a person.
Speaker 2: Yeah, he's a brain half full in my opinion. How
Speaker 2: about now he's also arguing, So the Aurora mayor, what's
Speaker 2: that or not Roffman. Everybody says he's a Republican.
Speaker 6: He's not. No, he's not.
Speaker 2: You know what he was arguing Finally with the mayor.
Speaker 2: He's saying, you've been dumping The only reason we got
Speaker 2: problems in our buildings out here with gang members is
Speaker 2: because Denver. Now he's blaming the Denver mayor, Mike. They're
Speaker 2: literally in an argument. This is all in the last
Speaker 2: couple of days. So basically he's saying, the only reason
Speaker 2: we have this big crime wave in Aurora is because
Speaker 2: you're secretly sending all these homeless people and drug members
Speaker 2: and gang members over to Aurora. And I think it's true.
Speaker 6: Oh, there's no question.
Speaker 2: But here's what I could care less about him, Kaufman.
Speaker 2: You know why when Trump was in town, he sat
Speaker 2: there and denied that there was any gang members. He
Speaker 2: denied it. He wouldn't go. If he was a Republican,
Speaker 2: he would have been at that rally. He didn't want
Speaker 2: to go. I mean, to me, both these guys are crazy.
Speaker 2: Both of them are crazy. But who's their boss. Let's
Speaker 2: think about it, who's their boss?
Speaker 16: Both of them are the people who are suffering us
Speaker 16: regular citizens and even non citizens of Denver and Aurora.
Speaker 2: Yeah, but our governor should be just ashamed of himself
Speaker 2: accepting any of these buses coming in and this homeless crisis.
Speaker 2: He should be ashamed. We passed some of the laws
Speaker 2: we did, like legalizing drugs. Now that you can go
Speaker 2: do mushrooms, I can't even imagine what's going on.
Speaker 16: Worse, We're going to get even more drug addicts to
Speaker 16: moving here from all over the country.
Speaker 2: From everywhere. It's just crazy. But for him to come
Speaker 2: out and say I met all my goals or not
Speaker 2: all my goals. I'm not going to paraphrase it, but
Speaker 2: he basically said, Hey, my goal was to house two
Speaker 2: thousand people, and I did better than that. I exceeded
Speaker 2: it with twenty two hundred, and that's a rough number.
Speaker 2: But what he's neglecting to say in that same sentence,
Speaker 2: there's more homeless now than there was. I mean, big deal,
Speaker 2: Absolutely big deal, Mike. I mean, my god, do you
Speaker 2: realize what you're saying. What a strange thing to say,
Speaker 2: What a strange thing to brag about. It just drives
Speaker 2: me nuts. Dmitri. You know, I don't like getting into
Speaker 2: politics that often, but when people look you in the
Speaker 2: face and say something so crazy like that, it's like
Speaker 2: twisting real stats. Yeah, big deal, you got two There
Speaker 2: was six thousand homeless, you got two thousand in but
Speaker 2: now there's ten thousand homeless. You did nothing to solve
Speaker 2: the homeless problem. The homeless problem is worse now than
Speaker 2: it was last year. I don't care if you housed
Speaker 2: half of them. I don't care if you house ten
Speaker 2: thousand of them, if forty thousand came in. It's just
Speaker 2: remarkable how he looks people in the face and the
Speaker 2: camera and says that he has no shame. God, he
Speaker 2: has no shame. And I don't think the guys like
Speaker 2: I don't know. He looks like a nice guy, but
Speaker 2: my god, what the hell? Anyhow, I got to take
Speaker 2: a break, and I promise we're gonna have the experts on.
Speaker 2: I got lines full now and just hang tight, you
Speaker 2: know what I wish? Can we try to get somewhat dragon?
Speaker 2: Does he ever come on with Brown or anybody? Does this?
Speaker 2: May or Mike ever come on with anybody? Of course
Speaker 2: not he doesn't, He won't come on. But you guys
Speaker 2: have reached out.
Speaker 9: Brown doesn't typically take many guests, but I know Ross hasn't,
Speaker 9: I know Mandy have, and they just especially with Polist,
Speaker 9: he ain't talking to anybody.
Speaker 2: You know what it it's a shame. These guys sucks
Speaker 2: so bad. It's a shame for you voters out there.
Speaker 2: Shame on you. They've voted for him.
Speaker 11: Go with a sure thing Denver's best roofer Excel roofing
Speaker 11: dot com. You don't pay a cent until you're content.
Speaker 11: Time for an insurance check up free, no obligation. In comparison,
Speaker 11: call Compass insurance paying too much your coverage at dozens
Speaker 11: of insurance companies find out now three O three seven
Speaker 11: to seven to one help. You'll think you're his only
Speaker 11: customer when you choose Frank durand the real estate man
Speaker 11: dot com to list your home with Remax Alliance three
Speaker 11: oh three nine two zero sixteen twenty two.
Speaker 2: You know, I was talking to Dimitri over the break
Speaker 2: and he actually emailed Mike's office. We're talking about the
Speaker 2: mayor of Denver, and it was kind of funny what
Speaker 2: you said. But tell everybody why you emailed him. First
Speaker 2: of all, here's a guy that wants to help the homeless,
Speaker 2: right he ran on the platform of what I think.
Speaker 16: That that was as exclusively his platform was to to
Speaker 16: help all the homeless.
Speaker 2: That was That's what he ran on.
Speaker 6: I can't think of anything else he promised to do.
Speaker 16: And we had a caller that what yeah about You
Speaker 16: remember about three four weeks ago, a homeless guy who
Speaker 16: was living in a deliarated RV got arrested by an
Speaker 16: authority he didn't know for reasons.
Speaker 2: All the charges were dropped, everything was dropped.
Speaker 16: He had he had the rvmpounded, He had the rvmpound,
Speaker 16: and he gave up on ever getting it back. He
Speaker 16: couldn't afford it, but he had his tools in there.
Speaker 16: He had the several thousand dollars worth of tools that
Speaker 16: he uses to eke out a very modest living. And
Speaker 16: all we were trying to do is get access to
Speaker 16: the RV's just so he can retrieve his tools. I
Speaker 16: emailed Mike's office three times with that request, and you know,
Speaker 16: I was willing to go do it myself. I'll put
Speaker 16: on a haz math suit, I'll go into the serv
Speaker 16: I'll get the tools and say get I'm the almost guy.
Speaker 6: Yeah, and I did not hear a peep from Mayor
Speaker 6: Johnson's office.
Speaker 16: Jo no good in my opinion, not even saying, oh,
Speaker 16: you know it's against policy, or you know, we don't
Speaker 16: have time, no nothing, just totally ignored it.
Speaker 6: And I made it clear that's a homeless guy.
Speaker 2: Yeah, that's the platform too, and he ran on so
Speaker 2: and I think he's doing a good job on the
Speaker 2: platform because it's not even arguable. We have more homeless
Speaker 2: now than we ever had before. So even under the
Speaker 2: old mayor, we have more homeless now than we've ever
Speaker 2: had before. I'm gonna say it again, Mike, who just
Speaker 2: patted his own back because he puts them in shelters
Speaker 2: or whatever he did.
Speaker 6: He sent them to Aurora.
Speaker 2: According to Kaufman, damn good point. The reason we have
Speaker 2: less is because now Aurora has them, and Kaufman, you
Speaker 2: know what, you should get on your own parties train. Brother,
Speaker 2: You're on the wrong train. You're on such the wrong train. God,
Speaker 2: it's incredible. People. Just I just don't. I couldn't get
Speaker 2: into politics. Here's the problem. I say what I'm thinking,
Speaker 2: and you just can't do that in politics. You just
Speaker 2: you got to be able to look at people and
Speaker 2: lie go. I'm helping the homeless situation, even though there's
Speaker 2: more homeless now than ever before. I'm helping because I
Speaker 2: did this. What how do you do that with a
Speaker 2: straight face? As again, I was listening to Kyle Clark
Speaker 2: last night, talked about it. You know what, I couldn't
Speaker 2: believe it. Kyle's Kyle didn't go into that part. I
Speaker 2: like his show. I don't agree with the damn thing
Speaker 2: he says. For the most part.
Speaker 3: I hate him Mark.
Speaker 2: I love to hate him, but I don't really hate
Speaker 2: him as a human. I just he's on a different
Speaker 2: side of philosophy as I am. But what it drives
Speaker 2: me crazy sometimes, like when it came to the lady
Speaker 2: that counts the votes, I forget her name. She gave
Speaker 2: out the passwords online to our voting machines. He sent
Speaker 2: off ballots to people that are here illegally. She did
Speaker 2: so many things wrong. When he talked about that, he
Speaker 2: called her out on it. But when he was talking
Speaker 2: about Kaufman last night, when he was talking about Kaufman,
Speaker 2: I don't think he said, and I could be wrong.
Speaker 2: Maybe sitting in the pass and Kyle feel free to
Speaker 2: say it tonight. But my god, there's more homeless walking
Speaker 2: the streets in Denver than ever before. So when we
Speaker 2: talk about Mike and letting them pack them, pat himself
Speaker 2: on the back, let's talk about the reality of it.
Speaker 2: There's more homeless walking around the streets in Denver than
Speaker 2: ever ever before. That's what Mike has done. Mike Johnston,
Speaker 2: mayor of Denver, that's what he's done. And let's tell
Speaker 2: it like it is. Let's not sugarcoat it. Hey Mark
Speaker 2: with Gaddy Electric, Hey Mark used to be gad you
Speaker 2: or I'm sorry.
Speaker 5: Used to be no.
Speaker 2: It's still Gaddy Electric, right.
Speaker 3: Sol though he doesn't own it.
Speaker 19: Anymore.
Speaker 2: Hey, Mark, you don't own Gaddy anymore, do you?
Speaker 5: That's correct?
Speaker 2: And I got to say something, Mark, I loved it
Speaker 2: when you owned him. I don't like him now, no offense.
Speaker 2: I know it's your name and that's what sucks. You
Speaker 2: sold your name, But honestly, I don't like him. But
Speaker 2: when you own the company, you were my favorite electrician.
Speaker 2: You've done a ton of work in my house. You
Speaker 2: guys wired my barn anyhow. But you're you retired. God,
Speaker 2: I wish people. I wish good people would never retire.
Speaker 2: I mean, really, that's what I'm thinking. But Mark, you
Speaker 2: heard that call about Jen who's got a problem with
Speaker 2: the septic. She just had her pumper company come out to,
Speaker 2: you know, get rid of the pooh and get rid
Speaker 2: of everything. And bottom line is apparently there's a problem
Speaker 2: with the power going to the pump. And you called
Speaker 2: in and we called you back. What's going on.
Speaker 22: Probably they need to really have an electrician out there
Speaker 22: because a lot of that gas is he's electrical up
Speaker 22: in those cords right in the tank, and they probably
Speaker 22: need to replace the cord or that outlet that's in there.
Speaker 22: So they actually need electrician more than they need anybody
Speaker 22: that pumps or a handyman or anything.
Speaker 2: Mark. Hey, Mark, I guess I'm trying to think of
Speaker 2: like I don't understand how my system works. I mean,
Speaker 2: as far as the electric and the pump on ours?
Speaker 2: Where where is that pump generally located? Is it in
Speaker 2: the house?
Speaker 16: Is it?
Speaker 2: Where is it generally located? No?
Speaker 20: That pump is it?
Speaker 10: No?
Speaker 22: That pump's in the bottom of the septic tank.
Speaker 2: Oh god. So not only do you have to find
Speaker 2: an electrician, you've got to find an electrician that's going
Speaker 2: to hop down into your septic tank.
Speaker 22: So you can usually pull those out by you know,
Speaker 22: you don't have to actually get in a lot of
Speaker 22: times there's a pipe in or that you can break
Speaker 22: free and bring it out and got it, prsh it
Speaker 22: down and replace the electrical and sometimes.
Speaker 2: Back in the nineties, did you guys do when you
Speaker 2: own the company, did you guys end up doing stuff
Speaker 2: like that? Probably quite a bit.
Speaker 8: Huh, Yeah, we did.
Speaker 22: The guy didn't care for it much, but just one
Speaker 22: of those that it was a service call and we
Speaker 22: would go out and take care of if somebody had.
Speaker 5: To do it.
Speaker 2: Excellent. Who would you who would you suggest Denver Metro area.
Speaker 2: Hold on a second, hold on, hold on, hold on,
Speaker 2: Hey Jen, I'm assuming you're Denver Metro. Where are Oh? No,
Speaker 2: she's Connifer. She's in Connifer, Mark in the Denver area. Mark, Yeah,
Speaker 2: who would you think?
Speaker 22: I don't know anybody up in that Denver area. Oh,
Speaker 22: but I just thought to just give you a heads up. Yeah,
Speaker 22: because that too be a problem if that starts to
Speaker 22: fill back up before they get electrician out there.
Speaker 2: Yeah, I could get worse. Hey, Mark, I really do
Speaker 2: appreciate that, and I agree she needs an electrician like
Speaker 2: no doubt. And by the way, hey Mark, really, how's
Speaker 2: retirement real quick?
Speaker 4: Man?
Speaker 19: Well, I'm doing real well.
Speaker 22: Got some medical problems that's come along real well with me.
Speaker 22: But at the same time, I'm trying to find my
Speaker 22: new normal. I was so busy at work and everything.
Speaker 22: It's been kind of hard to find in my new
Speaker 22: normal here.
Speaker 6: Yeah, I know.
Speaker 2: And my dad basically hung it up. He uh, you know,
Speaker 2: he was going to go fishing every day, and he
Speaker 2: had all these plans, and you know, after three or
Speaker 2: three months he was bored off his ass and started, uh,
Speaker 2: he got into real estate. I mean, isn't that crazy?
Speaker 2: He's selling in his community. He was so bored. But anyhow, Mark,
Speaker 2: I really appreciate it, and stay in touch. I still
Speaker 2: got your cell phone. You got mine, Man, If you
Speaker 2: ever need anything personally, let me know. Three l three
Speaker 2: seven one three eight two five five. Jen, here's the
Speaker 2: bottom line. Plumb Line can definitely do that if it's
Speaker 2: the electrical problem. And I agree with what Mark saying.
Speaker 2: It probably is, so plumb Line services they do go
Speaker 2: to your area.
Speaker 3: Excellent.
Speaker 21: I'll give him a call.
Speaker 2: Yeah, let me know how that turns out. I didn't realize,
Speaker 2: like what I don't get. I'm hoping they don't have
Speaker 2: to go to the pump itself.
Speaker 1: I don't know.
Speaker 2: There's no way a pump like that, guys would be
Speaker 2: a two twenty. That would be nuts, right. I was
Speaker 2: thinking if one leg went out, but I don't think
Speaker 2: that would be the case. But give give Plumbline a
Speaker 2: call straight up. Okay, thank you, Hey, thanks for holding
Speaker 2: so long too, Jen. Three oh three seven one three
Speaker 2: a two five five. Normous got a problem with her
Speaker 2: daughter's eviction and then Monica I got John Fuller up.
Speaker 2: She's got a problem with her neighbor. John. Please hold
Speaker 2: I've got to ask you these questions, and it's just
Speaker 2: the craziest thing. But if anybody has heard about an
Speaker 2: insurance company not being able to subrogate because of an
Speaker 2: HOA document, I want to know from you.
Speaker 11: John hold On, go with a sure thing Denver's best
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Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five. Someone had to correct me on this. Listen
Speaker 2: to this mark. You said in the K and H
Speaker 2: commercial that they were sixty five years old. Well I
Speaker 2: did some research and you're absolutely right. Emailer Sam, they're
Speaker 2: sixty eight.
Speaker 5: Yeah.
Speaker 2: K H Windows Indoors has been in business for sixty
Speaker 2: eight years. They opened in nineteen fifty six. That's pretty amazing.
Speaker 2: In fact, I want to says Henry, I can't think
Speaker 2: of his last name. Henry started in nineteen fifty six.
Speaker 2: And then of course Ted Rowland, who Susanna and I.
Speaker 2: I love Ted. He's got like five hundred jumps toe.
Speaker 2: He's a skydiver, just a very interesting guy. But he
Speaker 2: retired and then Lee Diamond took over and they just
Speaker 2: do a bang up job. Think about that A com
Speaker 2: and he've been around that long. And the windows are
Speaker 2: auping Alpeen and those are the windows made right here
Speaker 2: in Colorado, mister emailer, So simple as that. Check them
Speaker 2: out khwindows dot com. That's the easiest way. I think
Speaker 2: that's exactly where I found out how long khwindows dot com.
Speaker 2: Now I've got two attorneys up, and I'm trying to
Speaker 2: think who I want to go to first. So John,
Speaker 2: do me a favor and just hang real tight, because
Speaker 2: I want to go to Brad O'Brien just on a
Speaker 2: quick HOA issue. Then I want to talk about liability
Speaker 2: with John. Two different things because I know Brad won't
Speaker 2: get into the liability. Hey Brad, this one's pretty simple,
Speaker 2: or I'm going to make it simple. So Monica is
Speaker 2: in inn hoa, She's in a condo, okay, And what
Speaker 2: happened is she was remodeling her house. The lady on
Speaker 2: top of her and I have no idea what happened,
Speaker 2: nor does she, but she had flood damage and she
Speaker 2: had ended up doing two different claims over a period
Speaker 2: of time. And the woman who lived above her would
Speaker 2: not share insurance information, basically told her to pound sand,
Speaker 2: wouldn't do anything. So she turns it into her own
Speaker 2: insurance company. Her own insurance company, according to Monica, who
Speaker 2: I'm going to bring up if you have any questions
Speaker 2: for Brad, her own insurance company basically says this and
Speaker 2: sends her a letter. And what did the letter say? Monica?
Speaker 2: Just just say say what it said again?
Speaker 19: Sure, it basically said that we are denying liability of
Speaker 19: our client. And the reasoning is and I can read
Speaker 19: it to you. Could I have it right here? Yeah,
Speaker 19: read this during our investigations. During our investigation, we found
Speaker 19: that the governing documents contain a waiver of subrogation precluding
Speaker 19: recovery against our insured and so that's why they denied
Speaker 19: the claim.
Speaker 2: So Brad, first of all, have you ever heard this before?
Speaker 2: I don't understand how one insurance company going after another
Speaker 2: insurance company for subrogation would be affected by an HOA document,
Speaker 2: But it sounds like it could very well happen.
Speaker 14: Wait, this is a response from the insurance company of
Speaker 14: the upstairs neighbor who caused the water damage. Yes, okay,
Speaker 14: so not her own insurance company, yeah.
Speaker 2: The one upstairs. So in other words, her insurance company
Speaker 2: paid for everything, and then they apparently tried to subrogate
Speaker 2: the claim, went after the other one. And then here's
Speaker 2: another part I don't understand. Monica receives that letter from
Speaker 2: that insurance company. At that point, I would assume during
Speaker 2: subrogation it's two insurance companies dealing with each other, right, Yeah.
Speaker 14: Without getting into the sebregation stuff just yet, I would
Speaker 14: have to say that primarily this is a dispute between
Speaker 14: the two unit owners. The upstairs unit owner is going
Speaker 14: to be liable for the property damage caused by flooding
Speaker 14: to the downstairs unit owner, and those are the parties
Speaker 14: to a lawsuit. If there's going to be a lawsuit,
Speaker 14: well I think there is going to be but parties.
Speaker 2: But if you ever heard of an HOA document, it's
Speaker 2: going to have any any say in the matter. When
Speaker 2: it comes to subrogation, off top of.
Speaker 14: Head, I can't recall that subrogation is in typically in
Speaker 14: a declaration of an H two A. They could be
Speaker 14: there's nothing. I don't think there's anything prohibiting it.
Speaker 2: Well, okay, then then then why wouldn't we all just
Speaker 2: have a subrogation clause in everything?
Speaker 14: Well, subrogation cause clauses are in a lot of contracts,
Speaker 14: and they basically say that if something is covered by insurance,
Speaker 14: then you can't go after the plum. Yeah, you can't
Speaker 14: go after the individual. You can't go after the other
Speaker 14: parties insurance company.
Speaker 2: So okay, it's just so different in an auto accident.
Speaker 2: And I'm going to talk to John Fuller afterwards, but
Speaker 2: I can't imagine in an auto accident having a policy
Speaker 2: where you agree not to subrogate. So you pay a
Speaker 2: two one thousand dollars deductible or a five thousand dollars deductible,
Speaker 2: whatever it is, you get the money for your Mercedes
Speaker 2: or whatever you're driving, and all of a sudden, your
Speaker 2: insurance company can't go after the other person's insurance company
Speaker 2: and you're the one left holding the bag on everything.
Speaker 14: Yeah, well, keep in mind, this is not the caller's
Speaker 14: own insurance company. This is the other party's insurance company,
Speaker 14: who is not a party to the property damage.
Speaker 2: No, but I guess what I'm saying is, if she
Speaker 2: hired an attorney, Let's say she hired you, and she
Speaker 2: goes after this lady personally above. If now this lady's
Speaker 2: got to defend a lawsuit, I would assume that the
Speaker 2: insurance company would have to step up and try to
Speaker 2: defend her. Now, they might use that, they might use
Speaker 2: that hoa document as some kind of defense, but they're
Speaker 2: still going to probably have to get up there in defender.
Speaker 14: Right, Well, that's kind of irrelevant to the color because
Speaker 14: insurance companies and property damage claims are in the back.
Speaker 14: They're not the principal parties. Right, You don't sue the
Speaker 14: other party's insurance company, you don't typically know.
Speaker 2: What I'm saying is, if Monica actually sued, I'm going
Speaker 2: to call her. I'm going to call her bitch. If
Speaker 2: she actually sued, bitch, and then and then bitch got
Speaker 2: served and had to go to court. And I'm not
Speaker 2: kidding around. I mean, this lady wouldn't give her any
Speaker 2: information or whatever. So now she's got a notice to appear,
Speaker 2: and she's got to appear. If she does have insurance,
Speaker 2: I would assume she would call her insurance company and say, hey,
Speaker 2: you guys got to kick in my liability coverage because
Speaker 2: Monica is suing me and I just got served.
Speaker 14: Yeah, and then that starts an insurance coverage review from
Speaker 14: the other party's insurance company to see if this leak
Speaker 14: or flood is covered under the insurance.
Speaker 2: But you're saying part of the defense might be, and
Speaker 2: I know you haven't read any of these, but part
Speaker 2: of the defense if we go down that road and
Speaker 2: there is a lawsuit and there is a day in
Speaker 2: court and everybody shows up and attorneys are talking and
Speaker 2: all that good stuff you're saying, you think it would
Speaker 2: be possible that in that HOA document there would be
Speaker 2: a reason why, because Monica got paid by her own
Speaker 2: insurance company, that they could not subrogate. In other words,
Speaker 2: the HOA doctrine could actually spell out, no, you can't
Speaker 2: your insurance company can't go after the other one.
Speaker 14: Yeah. I can't speak to that because typically a SEB
Speaker 14: waiver of sebregation is in a contract between two parties.
Speaker 2: And not two insurance companies.
Speaker 8: Right.
Speaker 2: Yeah, That's where I keep going back to. I don't
Speaker 2: know how this outside document, this, this outside HOA document stops,
Speaker 2: for example, only all state subrogating against Safeco. I just
Speaker 2: don't understand how that would work.
Speaker 14: That's what I'm getting to. Declaration is between the HOA
Speaker 14: and its members, and sort of sometimes tangentially has had
Speaker 14: an effect between co members. But I'm just not familiar
Speaker 14: with any kind of having ever seen a waiver of
Speaker 14: sebrogation in a declaration that would apply between two different
Speaker 14: unit owners.
Speaker 24: Go.
Speaker 14: I think I can see how it applied between an
Speaker 14: HUA and each individual member that relationship.
Speaker 2: Yeah, of course. In other words, if there was damage,
Speaker 2: you know, somehow because of the roof or a common
Speaker 2: area or something, you can't subrogate against the HOA and
Speaker 2: you agree to that living in that HOA.
Speaker 14: Yeah, so up there neighbor and downstairs neighbor. I just can't.
Speaker 14: I think it does sound weird that a declaration would
Speaker 14: have a sebrogation waiver between those two different things.
Speaker 2: I think they wrote it to her simply an out
Speaker 2: saying hey, we're not going to pay. I don't even
Speaker 2: know if they dealt with the other company she might, well, no,
Speaker 2: they're they're pointing out the hoa stuff. It's crazy, but it's.
Speaker 14: Quite common for another the other party's insurance company to
Speaker 14: say no and deny it because that's their Sander practice.
Speaker 2: Well because ultimately, and I got to put you on
Speaker 2: the hold by the way, Brad O'Brien. Anything to do
Speaker 2: with property, and that's why we have him on right now.
Speaker 2: Anything to do with property, to look over a lease,
Speaker 2: to create a lease, you name it, this guy does it.
Speaker 2: He's our expert. I'm just running out of time, Brad.
Speaker 2: But seven two zero three seven zero seven three eight eight,
Speaker 2: that's Brad O'Brien and John Fuller really quick. I don't
Speaker 2: know if you've ever you've been listening to this, but John,
Speaker 2: here's the other question I have for you. She got canceled,
Speaker 2: and Brad, keep listening for a second. Her insurance canceled
Speaker 2: her because she had multiple claims, and all the multiple
Speaker 2: claims were due to the lady upstairs not giving the
Speaker 2: insurance information. So she got canceled on her homeowner's policy
Speaker 2: or her condo policy. Could she possibly go after that
Speaker 2: woman for that kind of damage, meaning the reason she
Speaker 2: can't get insured? Right, now is because of her Forget
Speaker 2: about the dollar amount. Let's pretend the new one is
Speaker 2: five thousand dollars more. Could she go after that lady
Speaker 2: for five grand in your opinion?
Speaker 8: Well, probably not. But here's the thing, Mark, I mean, listen,
Speaker 8: you're asking Brad to just, you know, guess on what
Speaker 8: these documents say. Yeah, the answer to your question is
Speaker 8: in these documents. Okay. I don't know if the mistake
Speaker 8: that this lady may was using her own insurance company,
Speaker 8: and perhaps the HOA documents keep. You know, we don't
Speaker 8: want to end up having a leak that ends up
Speaker 8: in seven different lawsuits being filed between the super upstairs
Speaker 8: person to the one below them, to the one below
Speaker 8: them to the one below them. I mean, I could
Speaker 8: see why they would say to each his own you know,
Speaker 8: let's not allow these insurance companies to go declare war
Speaker 8: on each other because it's.
Speaker 14: Just going to be a mess.
Speaker 2: But so that John, listen, John, you fill in for us,
Speaker 2: so you know why I'm doing this. I am up
Speaker 2: against it. If I can get you on in the morning,
Speaker 2: and same with you, Monica. In the meantime, I got
Speaker 2: to take this break. Brad O'Brien I thank you, and
Speaker 2: then Kelly, please get Monica's information. I wanted to send
Speaker 2: over the denial letter, the HOA stuff. Please