WEBVTT 1 00:00:00.400 --> 00:00:10.400 Yea ripped up news need advice so you don't have. 2 00:00:12.599 --> 00:00:18.600 Come running just astas as a cam shooter's gonna help come. 3 00:00:18.839 --> 00:00:21.960 Man Dix is the Troubleshooter Show. 4 00:00:22.559 --> 00:00:29.440 No Tom Martino, Hey. 5 00:00:27.960 --> 00:00:29.600 Tom Martino here, Welcome to the show. 6 00:00:29.679 --> 00:00:32.719 Three oh three seven one three talks seven one three 7 00:00:33.000 --> 00:00:37.439 eight two five five. Joined with my peeps at the studio. 8 00:00:38.000 --> 00:00:41.320 That is Mark and I see some deputies there. 9 00:00:41.799 --> 00:00:44.159 Mark, take it away. Who's there? What's going on today? 10 00:00:44.479 --> 00:00:45.359 Shamadski. 11 00:00:45.560 --> 00:00:50.200 We got Matt Stanford, Paragon, Genesis, Total Exteriors. We're gonna 12 00:00:50.240 --> 00:00:54.079 be talking insurance claims, how insurance companies attempt. 13 00:00:53.560 --> 00:00:54.439 To rip you off. 14 00:00:54.479 --> 00:00:59.159 We got Deputy Bow, Suzanne Kelly, and then some kind 15 00:00:59.159 --> 00:01:02.640 of ugly guy on the other side of the glass. 16 00:01:03.320 --> 00:01:06.480 Hey, it's uh. I want to I want to be 17 00:01:06.519 --> 00:01:09.319 the first one to say, is this legal? 18 00:01:09.439 --> 00:01:11.519 Can you sing? Happy birthday? 19 00:01:12.159 --> 00:01:14.879 Oh gosh, Tom, We've got a birthday grow in the house. 20 00:01:14.959 --> 00:01:16.200 You could do it like they do it. 21 00:01:17.799 --> 00:01:21.359 Let's do it. Let's do Happy Happy birthday to you, 22 00:01:22.079 --> 00:01:23.359 Happy birthday to. 23 00:01:24.760 --> 00:01:26.799 Happy, Happy birthday. 24 00:01:26.640 --> 00:01:35.719 Dear glory to Kelly story, Happy birthday to turn man, 25 00:01:36.040 --> 00:01:42.840 just turning forty, just checking forty fifty five. Actually, thanks 26 00:01:42.840 --> 00:01:48.959 for the crow. All right, Well, anyway, I always round up, 27 00:01:49.079 --> 00:01:52.319 so I actually don't know how old I am. 28 00:01:52.599 --> 00:01:56.480 Well, how well, it's not it's not it's not polite 29 00:01:56.519 --> 00:01:59.640 tasking age. I don't know why it's not polite. I mean, 30 00:01:59.680 --> 00:02:02.239 I really don't and I never did understand that. But 31 00:02:02.319 --> 00:02:07.200 it's like, so anyway, let's go to the phones. But 32 00:02:07.319 --> 00:02:10.680 first talk about actually we should just talk about things 33 00:02:10.719 --> 00:02:14.360 happening in the news and listen. I don't normally talk 34 00:02:14.360 --> 00:02:17.520 about stuff like this, well not in this regard, but 35 00:02:19.120 --> 00:02:21.719 this thing with let me just bring this up. This 36 00:02:21.800 --> 00:02:26.120 news story. It went under the radar. There was actually 37 00:02:27.319 --> 00:02:27.919 listen to this. 38 00:02:29.000 --> 00:02:32.680 Do you know the US AID that took you know, 39 00:02:32.759 --> 00:02:36.039 the us AID was aid all over the world. Yeah, 40 00:02:36.120 --> 00:02:42.159 we were paying for studying the mating habits of tens 41 00:02:43.000 --> 00:02:47.039 in a foreign country. I mean, I'm just exaggerating, But 42 00:02:47.159 --> 00:02:47.759 listen to this. 43 00:02:49.000 --> 00:02:52.800 During all of this investigation going on, they found a 44 00:02:52.919 --> 00:02:58.319 US AID contracting officer, Roderick Watson. 45 00:02:58.319 --> 00:02:58.759 It's real. 46 00:02:59.319 --> 00:03:03.080 He pleaded guilty to running a ten year long bribery 47 00:03:03.199 --> 00:03:08.879 scheme that steered more than five hundred and fifty million 48 00:03:08.919 --> 00:03:12.120 dollars in federal contracts to associates of his. 49 00:03:13.120 --> 00:03:13.719 This is real. 50 00:03:13.800 --> 00:03:17.479 I mean I have not heard one newscast with us 51 00:03:17.479 --> 00:03:20.120 This just happened the other day. And he got more 52 00:03:20.159 --> 00:03:23.599 than a million dollars over the years in cash and gifts. 53 00:03:23.919 --> 00:03:27.719 The contracts were awarded under the you know, the USAID 54 00:03:27.759 --> 00:03:31.759 program to help minority and women own businesses, and it 55 00:03:31.840 --> 00:03:35.560 was supposed to be non competitive set aside contracts. So 56 00:03:35.759 --> 00:03:40.680 the thought with USAID was that these places when it 57 00:03:40.719 --> 00:03:44.120 comes to government contracts, this was specific. There are others 58 00:03:44.159 --> 00:03:47.400 that have to do with charity, with medical research, and 59 00:03:47.840 --> 00:03:50.800 you know, that's where some of the liberals are saying 60 00:03:52.400 --> 00:03:56.840 Conservatives are causing a mass death over their cutbacks. 61 00:03:56.879 --> 00:03:57.159 You know. 62 00:03:57.560 --> 00:04:00.280 And in any case, I'm not talking about USA in 63 00:04:00.360 --> 00:04:03.800 general or all of the wasted money, but this particular one. 64 00:04:04.280 --> 00:04:05.479 Here's what I find shocking. 65 00:04:06.120 --> 00:04:09.000 If this guy was a Republican, If this guy was 66 00:04:09.039 --> 00:04:10.199 doing it under. 67 00:04:11.919 --> 00:04:16.199 A Republican rule. Now, part of it was under Trump, but. 68 00:04:16.120 --> 00:04:20.680 It was mainly you know, I think Clinton, it was 69 00:04:21.920 --> 00:04:24.720 Barack Obama under Bush. 70 00:04:25.040 --> 00:04:26.240 A lot of it took place. 71 00:04:26.879 --> 00:04:29.079 Was Bush just sleeping basically, I mean, what was he 72 00:04:29.160 --> 00:04:33.680 doing anyway? Okay, the scheme started in twenty thirteen and 73 00:04:33.800 --> 00:04:38.160 involved companies putting in contracts and then the bribes were 74 00:04:38.199 --> 00:04:42.279 funneled through various means, including some of the bribes were 75 00:04:42.360 --> 00:04:47.399 jobs for relatives, electronics for his home, home, down payments, 76 00:04:47.439 --> 00:04:53.480 and loans. Prosecutors and DOJ officials condemned the fraud obviously, 77 00:04:53.879 --> 00:04:57.040 But what I don't understand. Does it shock you that 78 00:04:57.120 --> 00:04:58.879 this hasn't been in the news. 79 00:04:59.399 --> 00:04:59.879 I hap. 80 00:05:00.360 --> 00:05:01.720 I happened to run across it. 81 00:05:02.000 --> 00:05:04.519 In one of these fringe sights and then started doing 82 00:05:04.560 --> 00:05:07.519 research and found it's absolutely true. 83 00:05:08.040 --> 00:05:09.600 So if you look them up, you'll find it. 84 00:05:11.160 --> 00:05:15.879 Roderick Wasson, you know Mark, we often talked about taking 85 00:05:15.920 --> 00:05:18.879 the penalty for the crime on purpose. 86 00:05:19.360 --> 00:05:22.360 Do you remember what's the clown's name? He went to 87 00:05:22.439 --> 00:05:24.639 his eyes? What is Don? 88 00:05:24.720 --> 00:05:28.639 Ailey was an accountant who just literally ripped people off. 89 00:05:28.720 --> 00:05:31.439 He would get a client and he'd do their payroll 90 00:05:31.839 --> 00:05:34.720 and instead of paying payroll taxes, he just told the 91 00:05:34.720 --> 00:05:37.519 client he paid them. He told the irs that the 92 00:05:37.560 --> 00:05:40.839 client had no payroll, so the client would pay Ailey. 93 00:05:41.279 --> 00:05:43.959 Iley would just pocket the money and we figured about 94 00:05:44.000 --> 00:05:44.680 twenty million. 95 00:05:44.959 --> 00:05:47.240 Then he went to prison. Is he had a prison yet? 96 00:05:47.240 --> 00:05:47.800 Do you know Mark? 97 00:05:47.920 --> 00:05:50.680 Now I think he hung himself or killed himself or 98 00:05:50.720 --> 00:05:52.680 off himself or whatever you want to. 99 00:05:52.920 --> 00:05:58.120 He Oh, is he deceased, Oh, he's deceased. There were 100 00:05:58.160 --> 00:06:00.480 so many people hurt by him. Let's go to the folks, 101 00:06:01.199 --> 00:06:02.199 jill an issue. 102 00:06:02.240 --> 00:06:04.480 You forgot hold on, hold on, you forgot to finish 103 00:06:04.519 --> 00:06:05.720 the point to conversation. 104 00:06:05.879 --> 00:06:08.920 Yeah, go ahead, go ahead and finish the point with calculations. 105 00:06:09.000 --> 00:06:11.160 When this guy went to federal prison. One of the 106 00:06:11.199 --> 00:06:14.560 reasons they gave him I think they gave them twelve years. 107 00:06:14.600 --> 00:06:17.199 And remember this is an economic crime. That's pretty high 108 00:06:17.240 --> 00:06:21.120 for an economic crime, so they gave him the upper echelon. 109 00:06:21.240 --> 00:06:24.480 But the reason was the twelve million dollars that was 110 00:06:24.560 --> 00:06:28.079 definitely missing. It was probably more like twenty, but twelve 111 00:06:28.120 --> 00:06:31.480 that was definitely missing had never been found. In other words, 112 00:06:31.839 --> 00:06:34.600 none of the cash was there. So I brought up, okay, 113 00:06:35.079 --> 00:06:38.879 ten years in prison. It's federal, so you automatically get 114 00:06:38.920 --> 00:06:41.800 twenty percent. That brings it down to eight years in prison. 115 00:06:42.319 --> 00:06:44.680 Eight years in prison, you get out. You have twelve 116 00:06:44.680 --> 00:06:47.959 million bucks. You make one point two million dollars a 117 00:06:48.079 --> 00:06:50.439 year for sitting your ass in the can? 118 00:06:50.759 --> 00:06:52.879 Would you do it? That was the question. 119 00:06:53.680 --> 00:06:57.920 Yeah, I'm wondering if there are people, I mean, and 120 00:06:57.959 --> 00:07:00.120 now you'd probably even get less time done. 121 00:07:00.319 --> 00:07:03.399 This is Martha Stewart Prison. This ain't someplace in New 122 00:07:03.480 --> 00:07:06.199 York or you know. This is Martha's Stewart Prison. 123 00:07:08.240 --> 00:07:14.040 Yeah, it's it's amazing. So we we were bantering that around. 124 00:07:14.040 --> 00:07:16.319 Would you take a million dollars a year to sit in? 125 00:07:16.319 --> 00:07:16.519 Point? 126 00:07:16.560 --> 00:07:21.319 Do you? Mark Schamansky? A million a year one point 127 00:07:21.360 --> 00:07:22.879 two a year for eight years? 128 00:07:22.959 --> 00:07:25.120 Eight years? That's tough. I don't think I could do. 129 00:07:25.079 --> 00:07:26.439 It now, that's a long time. 130 00:07:26.639 --> 00:07:28.199 The eight years is hard. 131 00:07:28.560 --> 00:07:30.079 Maybe if you got it down to two or three 132 00:07:30.120 --> 00:07:31.800 and then you had a take of five or six. 133 00:07:32.040 --> 00:07:32.519 I don't know. 134 00:07:32.720 --> 00:07:35.759 I I rather have my chances on the outside making money. 135 00:07:37.720 --> 00:07:39.199 What about your deputy. 136 00:07:38.879 --> 00:07:41.120 D Yeah, no chance. I don't want to give up 137 00:07:41.120 --> 00:07:43.639 eight years of my life. Even at Martha Stewart's prison. 138 00:07:43.720 --> 00:07:45.079 It sounds like a really nice place. 139 00:07:45.480 --> 00:07:47.720 I heard that you get free reach arounds. 140 00:07:49.000 --> 00:07:55.399 Dude, Look, hey, Mark, did you did you? Can we sit? Oh? 141 00:07:55.839 --> 00:07:57.639 I don't know, I don't know. I don't know. 142 00:07:57.680 --> 00:08:00.240 I wish I had a delay, but never mind, I'm 143 00:08:00.240 --> 00:08:03.000 not even going to repeat it. But that one right 144 00:08:03.120 --> 00:08:05.560 over Shannon's head unless it doesn't mean anything. 145 00:08:05.600 --> 00:08:06.519 I mean, I guess it doesn't. 146 00:08:06.879 --> 00:08:10.959 You could scratch somebody's back or yeah, okay, So anyway, 147 00:08:11.720 --> 00:08:15.360 let's continue with this worker's compting that we didn't even 148 00:08:15.360 --> 00:08:17.480 start gl talk. 149 00:08:17.360 --> 00:08:18.920 To us about the workers com problem. 150 00:08:19.079 --> 00:08:20.720 What I like you to do is just start and 151 00:08:20.759 --> 00:08:23.040 then I'll ask questions. 152 00:08:23.519 --> 00:08:28.079 All right, Well, here's the deal. My wife fell at 153 00:08:28.120 --> 00:08:29.560 work back to the beginning of the month. 154 00:08:31.120 --> 00:08:34.440 Just this, just at the beginning of June. 155 00:08:34.720 --> 00:08:37.720 Yeah, yeah, okay, good, I'm glad we're getting this early. 156 00:08:38.799 --> 00:08:42.960 Well, yeah, she works at the airport. She slipped and fell. 157 00:08:43.120 --> 00:08:45.960 There's still not one hundred percent sure how she slipped 158 00:08:45.960 --> 00:08:49.679 because she wears flip resistant shoes, but there was multiple 159 00:08:49.720 --> 00:08:55.000 witnesses to it. Anyhow, she was taken to the hospital. 160 00:08:55.279 --> 00:08:56.120 X rays were done. 161 00:08:56.320 --> 00:08:59.840 She has a fractured ankle and left or excuse me, right, 162 00:08:59.840 --> 00:09:07.200 and multiple stress fractures of her right foot. Ctcands have been. 163 00:09:07.080 --> 00:09:09.519 Done the orthopay Mark Mark, do you recall? 164 00:09:09.559 --> 00:09:12.399 I want to ask Major Mark, Major Mark, do you recall? 165 00:09:13.559 --> 00:09:16.759 Does the HL theory apply for workers comp You get 166 00:09:16.799 --> 00:09:18.639 your worker the way you have them, and if they're 167 00:09:18.679 --> 00:09:20.600 weak and more damages happen. 168 00:09:20.919 --> 00:09:23.440 Then No, not really, not not really. 169 00:09:23.480 --> 00:09:25.840 It's a lot different because you give up the right 170 00:09:25.919 --> 00:09:27.200 to sue your employers. 171 00:09:27.200 --> 00:09:28.679 So the rules also. 172 00:09:29.240 --> 00:09:32.000 But what I mean is if his let's just say 173 00:09:32.039 --> 00:09:35.080 his wife was frail and another woman is not free, 174 00:09:35.279 --> 00:09:36.960 I know exactly what you mean it, I know, but 175 00:09:37.519 --> 00:09:40.919 don't they both suffer if they both suffer the same fall, 176 00:09:41.600 --> 00:09:43.679 do you have to pay more because a person was 177 00:09:43.720 --> 00:09:45.799 frail or had pre existing injuries? 178 00:09:45.960 --> 00:09:47.000 I don't know the answer to that. 179 00:09:47.279 --> 00:09:48.720 Work, the injury is going to be it. 180 00:09:48.840 --> 00:09:52.159 Whatever the injuries are is going to be handled, regardless 181 00:09:52.159 --> 00:09:53.639 if they were frailers. 182 00:09:54.159 --> 00:09:56.159 Okay, you can keep going with your story. This is 183 00:09:56.200 --> 00:09:57.879 we're just thinking out lots of other people. 184 00:09:58.039 --> 00:09:59.159 No, no, let's ask. 185 00:09:58.919 --> 00:10:01.600 There's multiple there's multiple. 186 00:10:01.200 --> 00:10:03.600 Parts to this, all right, but let's Lorna get one 187 00:10:03.639 --> 00:10:04.080 at a time. 188 00:10:04.200 --> 00:10:06.840 Go ahead. So so it's the beginning of June. Did 189 00:10:07.039 --> 00:10:08.440 she filed workers comp right? 190 00:10:09.399 --> 00:10:10.240 Right? Right? 191 00:10:11.000 --> 00:10:11.679 Ohkay, got it? 192 00:10:12.039 --> 00:10:14.960 She was taken to the University hospital. They did X 193 00:10:15.080 --> 00:10:17.519 rays and whatnot, determined what what what what the deal was. 194 00:10:18.679 --> 00:10:22.279 Ten days later she saw the orthopedic surgeon and they 195 00:10:22.320 --> 00:10:25.519 took the cast off, did new X rays and then 196 00:10:25.639 --> 00:10:30.000 put a new cast back on center for ct scam. 197 00:10:30.240 --> 00:10:33.679 This past Tuesday, the Workman's comp insurance sent her to 198 00:10:33.720 --> 00:10:37.799 see sent her to Concentra to see the regular workman's 199 00:10:37.840 --> 00:10:38.600 comp doctor. 200 00:10:39.440 --> 00:10:43.399 That's called a that's called an independent medical examiner. They're 201 00:10:43.440 --> 00:10:47.799 they're not independent, They're often not qualified. I I hate 202 00:10:47.840 --> 00:10:50.080 what the imes they call them so well, so she 203 00:10:50.200 --> 00:10:51.720 was sent she was sent to an I M. 204 00:10:53.279 --> 00:10:53.440 Right. 205 00:10:53.559 --> 00:10:57.399 So he said that she is able to go back 206 00:10:57.440 --> 00:11:01.759 to work as of course yesterday on her duty. Sure, 207 00:11:03.279 --> 00:11:07.159 the orthopedic surgeon is on his report. He wants her 208 00:11:07.320 --> 00:11:12.039 off work at least until the end of July, by 209 00:11:12.120 --> 00:11:16.480 his statement or by everything he says. So when she 210 00:11:16.679 --> 00:11:19.600 was there yesterday, saw our Tuesday, saw the other doctor. 211 00:11:21.480 --> 00:11:23.799 One of the things I brought up, it was brought up, 212 00:11:23.879 --> 00:11:26.200 is well number one, since it's her right foot ankle, 213 00:11:26.279 --> 00:11:31.399 she can't drive, she is uncrutches, she's having extreme her Does. 214 00:11:31.240 --> 00:11:34.320 Her surgeon say, yeah, and you don't have to sell 215 00:11:34.360 --> 00:11:36.200 it to us. I mean, we're we take. 216 00:11:35.960 --> 00:11:38.360 You out, you know, so we don't have to waste 217 00:11:38.360 --> 00:11:40.919 that time. We're going to take for argument's sake. Everything 218 00:11:40.960 --> 00:11:43.120 you're saying is true. She still has injury and pain 219 00:11:43.200 --> 00:11:46.759 and misery and on a crutch. And did her surgeon though, 220 00:11:47.320 --> 00:11:50.360 did her surgeon say she could work at all? 221 00:11:50.480 --> 00:11:52.480 Or what? What was his actual recommendation? 222 00:11:53.960 --> 00:12:00.600 He just wants her off her feet period? His recommend Well, 223 00:12:00.879 --> 00:12:02.039 what what to do? 224 00:12:02.080 --> 00:12:04.279 What to do? What to sit at home? What did 225 00:12:04.320 --> 00:12:04.840 he say? 226 00:12:05.279 --> 00:12:05.519 You? 227 00:12:05.519 --> 00:12:07.679 You can't go out, you can't go to the supermarket, 228 00:12:07.759 --> 00:12:08.639 you can't do anything. 229 00:12:10.720 --> 00:12:12.840 I don't have the paperwork in front of me, but 230 00:12:13.080 --> 00:12:16.200 he said it's non weight bearing four to six week. 231 00:12:16.240 --> 00:12:18.559 We got it, okay, So keep going. 232 00:12:18.559 --> 00:12:24.879 Then then what so her employer called yesterday afternoon, late 233 00:12:24.879 --> 00:12:27.000 in the day and said, well, we think we can 234 00:12:27.039 --> 00:12:30.080 make accommodations for you to come to work. She works 235 00:12:30.120 --> 00:12:32.399 in a restaurant. He says, you know, we can get 236 00:12:32.399 --> 00:12:32.759 a chair. 237 00:12:33.159 --> 00:12:37.679 Was she was she a service? Was she a server? No? 238 00:12:37.840 --> 00:12:38.759 She just worked the counter. 239 00:12:39.919 --> 00:12:42.919 All right? So, okay, keep going with the story. So 240 00:12:42.960 --> 00:12:43.840 what's going on now here? 241 00:12:43.960 --> 00:12:48.000 Here's so so, like I said, she cannot negotiate stairs 242 00:12:48.080 --> 00:12:51.159 without assistance. Her employer, okay's for a bus. 243 00:12:50.879 --> 00:12:52.440 Pass, but got it? 244 00:12:52.480 --> 00:12:54.879 No way now to get back and forth to the 245 00:12:54.919 --> 00:12:59.080 bus and on crutches. She's you know, it was one hundreds. 246 00:13:00.000 --> 00:13:02.080 That's not part of the work. That's not part of 247 00:13:02.120 --> 00:13:04.759 the Let me explain something to you. The only thing 248 00:13:04.799 --> 00:13:08.039 that matters is if she can work or not, and 249 00:13:08.080 --> 00:13:10.879 how much work she can do, and if they accommodate her. 250 00:13:11.320 --> 00:13:13.759 Now getting to in front of a bus and all 251 00:13:13.840 --> 00:13:17.639 the other peripherals have nothing to do with the work 252 00:13:17.679 --> 00:13:20.600 comp claim. And you can't say, for example, I can't 253 00:13:20.600 --> 00:13:22.600 get a ride to work, and even though I'm cleared 254 00:13:22.600 --> 00:13:23.720 to work, I can't. 255 00:13:24.080 --> 00:13:25.159 That's not an excuse. 256 00:13:25.519 --> 00:13:27.879 If she can't get there for the light duty, they 257 00:13:27.879 --> 00:13:31.440 can terminate her. Or here's something else people don't realize. 258 00:13:31.480 --> 00:13:33.879 And I hope we get we can get cliff Enton on. 259 00:13:33.960 --> 00:13:36.960 But here's another thing people don't realize, and that is 260 00:13:38.559 --> 00:13:42.440 they can fire her at any time if she can't 261 00:13:42.600 --> 00:13:46.480 do any job and they can't accommodate her, they're not 262 00:13:46.639 --> 00:13:49.879 forced to accommodate her. Hold on a second, Geoe, we're 263 00:13:49.919 --> 00:13:51.759 going to try to connect with this attorney. It gets 264 00:13:51.759 --> 00:13:54.679 you some really good information. And then we have Darryl Rogers, 265 00:13:54.679 --> 00:13:57.240 Shirley and much more coming up, along with a houseful 266 00:13:57.320 --> 00:14:01.440 of deputies and helpers and Major Markmouth to Major Mark 267 00:14:01.600 --> 00:14:04.039 Major and me so stay tuned. 268 00:14:08.679 --> 00:14:11.919 Go with a sure thing Denver's best rufer Excel Roofing 269 00:14:12.039 --> 00:14:14.679 dot com. You don't pay a cent until you're content. 270 00:14:18.039 --> 00:14:21.240 Time for an insurance check up free, no obligation. In comparison, 271 00:14:21.360 --> 00:14:24.919 call Compass Insurance paying too much your coverage at dozens 272 00:14:24.960 --> 00:14:27.679 of insurance companies find out now three O three, seven 273 00:14:27.679 --> 00:14:30.039 to seven to one help. You'll think you're his only 274 00:14:30.120 --> 00:14:32.600 customer when you choose Frank durand the real estate Man 275 00:14:32.639 --> 00:14:36.039 dot com to list your home with Remax Alliance three 276 00:14:36.120 --> 00:14:38.200 oh three nine two zero sixteen twenty two. 277 00:14:39.679 --> 00:14:44.440 Hi Tom Martino here, Welcome to the show Man. We're 278 00:14:44.480 --> 00:14:47.799 starting off with a bang here. Cliffenton, by the way, 279 00:14:47.840 --> 00:14:51.240 our expert for workers comp and he also does personal injury. 280 00:14:51.240 --> 00:14:54.480 I'll give you his contact info, but Cliff recommends you 281 00:14:54.519 --> 00:14:56.840 talk to an attorney, even if you don't hire one 282 00:14:56.879 --> 00:14:58.399 right away. You talk to him and get him on 283 00:14:58.440 --> 00:15:00.759 board so they know what they're talking about and they're 284 00:15:00.799 --> 00:15:03.480 familiar with the case. He'll take a few notes and 285 00:15:03.519 --> 00:15:06.399 then if you need him and call him back, it's there. Hey, Cliff, 286 00:15:06.759 --> 00:15:10.000 this one happens quite a bit. She was injured at 287 00:15:10.000 --> 00:15:12.840 the beginning of March I'll excuse me, June. 288 00:15:13.799 --> 00:15:14.799 It's a simple story. 289 00:15:15.120 --> 00:15:18.320 She was injured and then she went to university hospital, 290 00:15:18.639 --> 00:15:19.840 then to an ime. 291 00:15:20.679 --> 00:15:22.799 The ime says she can return to light. 292 00:15:22.759 --> 00:15:29.039 Duty right now, and her orthopedic surgeon, though, says she 293 00:15:29.120 --> 00:15:33.200 should stay off her feet completely. So I need to 294 00:15:33.279 --> 00:15:39.440 know what about conflicting reports? What does she do? Plus 295 00:15:39.679 --> 00:15:41.879 she has a plethora of other problems that I don't 296 00:15:41.919 --> 00:15:44.759 believe come into the claim, like she can't drive and 297 00:15:45.320 --> 00:15:48.200 her ride would be difficult to get to get even 298 00:15:48.240 --> 00:15:50.840 to the bus station is hard. Just a litany of 299 00:15:50.879 --> 00:15:55.480 problems you hear every day. But Cliff, what about this case? 300 00:15:55.919 --> 00:15:58.720 If one doctor says light to be, the other doctor 301 00:15:58.759 --> 00:15:59.919 says she can't do anything. 302 00:16:01.519 --> 00:16:03.720 Good morning, Tom, How are you good? 303 00:16:03.840 --> 00:16:04.120 Cliff? 304 00:16:04.240 --> 00:16:07.720 Thank you for being here. We certainly miss your voice. 305 00:16:08.519 --> 00:16:10.039 Well, I appreciate that. 306 00:16:10.320 --> 00:16:10.519 You know. 307 00:16:10.600 --> 00:16:12.960 That is a very interesting question. It comes up more 308 00:16:13.000 --> 00:16:20.000 than you would think. Yes, generally speaking, the opinion of 309 00:16:20.080 --> 00:16:24.919 what's called the ATP, which stands for authorized Treating physician, 310 00:16:25.480 --> 00:16:27.919 that's kind of the primary care physician on the work 311 00:16:27.960 --> 00:16:32.080 comp case with Trump, that of a specialist. What I 312 00:16:32.120 --> 00:16:34.919 would recommend and what we would do is we would 313 00:16:34.960 --> 00:16:39.039 contact the adjuster, contact the insurance company and say, hey, listen, 314 00:16:39.559 --> 00:16:45.200 you really need to be listening to the orthopedic doctor, 315 00:16:45.240 --> 00:16:49.039 the expert, rather than the physiatrist or just the authorized 316 00:16:49.519 --> 00:16:55.320 treating physician. Nothing that mandates them to go with the 317 00:16:55.360 --> 00:16:57.279 one that's more favorable to the claimant. 318 00:16:58.639 --> 00:17:00.000 That's not what the law is. 319 00:17:00.080 --> 00:17:04.000 Can rely on the ATP, or if it was vice versa, 320 00:17:04.119 --> 00:17:05.559 they could rely on the ATP. 321 00:17:06.799 --> 00:17:10.799 So right now though that right now, the primary case 322 00:17:10.880 --> 00:17:12.839 care I'll call it not you know, it might not 323 00:17:12.880 --> 00:17:15.440 be his primary care doctor, but this primary doctor for 324 00:17:15.480 --> 00:17:19.039 the case literally trump's the surgeon. 325 00:17:20.839 --> 00:17:26.359 Yes, I mean someone's got a legally yes, as a 326 00:17:26.400 --> 00:17:33.200 practical matter, most of the time, the primary care physician 327 00:17:33.279 --> 00:17:35.880 or the ATP will listen. 328 00:17:36.240 --> 00:17:37.079 To the surgeon. 329 00:17:37.119 --> 00:17:39.680 Okay, now here's what I want to know. 330 00:17:39.759 --> 00:17:42.319 Contact. We'd write a letter to the ATP and say, hey, 331 00:17:42.640 --> 00:17:45.240 why are you disagree with doctor X. He's the board 332 00:17:45.279 --> 00:17:47.559 certified orthopoxic Yeah. 333 00:17:47.440 --> 00:17:50.319 So did your doctor? Did your attorney do anything like this? 334 00:17:50.440 --> 00:17:50.960 Joe? 335 00:17:51.000 --> 00:17:53.839 Did your attorney write a letter to get them to 336 00:17:53.920 --> 00:17:57.000 talk or to find out why there's a discrepancy? 337 00:17:57.680 --> 00:18:03.960 Did or do you not have an attorney yet? Is 338 00:18:04.000 --> 00:18:04.359 he there? 339 00:18:05.319 --> 00:18:10.599 I guess if he's not there, we can just move Geo, Geo, listen, 340 00:18:11.400 --> 00:18:15.119 have you have you talked has your attorney talked to 341 00:18:15.200 --> 00:18:20.440 the doctors? Okay? Now, okay. The fact that you haven't 342 00:18:20.440 --> 00:18:23.599 talked to an attorney, and cliff Enton is one of 343 00:18:23.599 --> 00:18:26.079 our preferred attorneys on referral list, I just want to 344 00:18:26.119 --> 00:18:29.079 make it clear that that what he does here is 345 00:18:29.119 --> 00:18:31.480 free of charge. But if you want to retain him, 346 00:18:31.480 --> 00:18:34.400 that's a separate issue altogether. But he's a great attorney. 347 00:18:34.720 --> 00:18:36.839 I just want to be transparent about that. We're not 348 00:18:36.880 --> 00:18:38.799 on trying to get you to hire him. He's just 349 00:18:38.880 --> 00:18:44.559 giving you information with no obligation. So jeou right now, 350 00:18:45.119 --> 00:18:49.519 you haven't talked to anyone really about the discrepancy. You 351 00:18:49.599 --> 00:18:54.160 didn't ask the surgeon. Hey, my other doctor says she 352 00:18:54.240 --> 00:18:57.480 can do like duty. Did you did you actually have 353 00:18:57.519 --> 00:18:59.200 a conversation with either doc? 354 00:19:00.440 --> 00:19:04.559 So she saw the the iam as you call it, 355 00:19:04.599 --> 00:19:08.440 on tuesday, she saw the orthopedics last week. That's when 356 00:19:08.480 --> 00:19:11.160 he said that she needed to be off of her 357 00:19:11.200 --> 00:19:15.240 feet five four to six weeks, but she needed to 358 00:19:15.240 --> 00:19:15.960 be stay. 359 00:19:15.759 --> 00:19:17.960 Off of it. Now, did you go back to the employer. 360 00:19:18.119 --> 00:19:21.160 Did the employer say that they could give her light 361 00:19:21.279 --> 00:19:22.079 duty off. 362 00:19:21.880 --> 00:19:27.559 Her feet, not until yesterday. And what was the final 363 00:19:27.640 --> 00:19:30.319 word yet? Just get to that, okay, I don't want 364 00:19:30.319 --> 00:19:32.960 to recap everything. What was the final word from the 365 00:19:33.000 --> 00:19:36.480 employer yesterday as far as light duty staying off her feet? 366 00:19:37.640 --> 00:19:40.319 All they said was, well, we can find you a 367 00:19:40.519 --> 00:19:42.559 chair maybe. 368 00:19:43.960 --> 00:19:46.799 Okay, she This is my opinion. I don't know what 369 00:19:46.839 --> 00:19:47.599 Cliff will say. 370 00:19:48.000 --> 00:19:50.960 My opinion is she shows up ready for work, and 371 00:19:51.039 --> 00:19:52.319 if she can do it, she does it. 372 00:19:52.680 --> 00:19:55.119 And if they don't accommodate her, then she can't do it. 373 00:19:55.240 --> 00:19:57.240 Cliff, wouldn't that be the safe thing to do so 374 00:19:57.279 --> 00:19:58.400 she doesn't get terminated? 375 00:19:58.599 --> 00:20:03.160 Yeah, because the real danger is, well, hey, if they're 376 00:20:03.200 --> 00:20:06.319 making a job offer of modified duty, they have to 377 00:20:06.359 --> 00:20:09.200 do that in writing saying hey, you know these are 378 00:20:09.200 --> 00:20:13.480 the restrictions. We can accommodate the restrictions. Well, I don't 379 00:20:13.480 --> 00:20:14.920 know if they've done that yet or not. 380 00:20:15.519 --> 00:20:18.319 But did you get a letter from the employer saying 381 00:20:18.319 --> 00:20:19.559 how they would accommodate her. 382 00:20:20.559 --> 00:20:21.119 Not yet? 383 00:20:21.680 --> 00:20:22.039 Okay. 384 00:20:22.480 --> 00:20:25.160 What you do is have her contact her employer. Have 385 00:20:25.200 --> 00:20:28.279 her contact her employer and say, please give me a 386 00:20:28.359 --> 00:20:32.039 letter noting the light duty accommodation and I will report 387 00:20:32.079 --> 00:20:34.559 for work, okay. 388 00:20:34.279 --> 00:20:36.200 But what about you feel the fact that it's going 389 00:20:36.240 --> 00:20:38.799 to be extremely difficult to get to a same work. 390 00:20:39.279 --> 00:20:42.839 That part doesn't play into to it. It's it's it 391 00:20:43.480 --> 00:20:44.119 really does it. 392 00:20:44.000 --> 00:20:45.960 It would cost us, It would cost us one hundred 393 00:20:45.960 --> 00:20:48.680 and twenty dollars a day for her to get to 394 00:20:48.720 --> 00:20:50.559 and from work. She would have to take an over. 395 00:20:50.880 --> 00:20:55.440 Geo, I can't solve that problem for you. I mean, 396 00:20:55.759 --> 00:20:58.079 could you imagine the mess our system would be in 397 00:20:58.880 --> 00:21:01.559 if our system had to pay for people to get 398 00:21:01.559 --> 00:21:02.400 to and from work. 399 00:21:02.759 --> 00:21:06.119 I mean, it just doesn't work that way. It's not 400 00:21:06.240 --> 00:21:09.559 part of the injury. It's it's not part of the treatment. 401 00:21:10.440 --> 00:21:13.160 What part of her injury prevents her from getting to 402 00:21:13.200 --> 00:21:14.599 work as she only did. 403 00:21:15.880 --> 00:21:18.880 Her right ankle and foot is broken, so she cannot 404 00:21:18.920 --> 00:21:23.160 drive and because having extremely difficult time on crutches navigating 405 00:21:23.279 --> 00:21:25.599 there could cliff what do they do to get on 406 00:21:25.640 --> 00:21:26.200 and off the box? 407 00:21:26.319 --> 00:21:27.720 Well, I mean I get it. 408 00:21:28.359 --> 00:21:31.480 GEO made his case that she's one hundred percent unable 409 00:21:31.519 --> 00:21:35.480 to get to work. There, unable to get to work 410 00:21:35.599 --> 00:21:38.519 without spending one hundred and twenty dollars a day. So 411 00:21:38.559 --> 00:21:40.680 what happens in a case like that, Cliff. I mean, 412 00:21:40.759 --> 00:21:42.359 let's talk about the cold heart system. 413 00:21:42.400 --> 00:21:43.119 How does it work. 414 00:21:43.240 --> 00:21:45.440 Do they say, oh, this woman's she's going to get 415 00:21:45.440 --> 00:21:48.279 one hundred and twenty dollars a day from us because 416 00:21:48.279 --> 00:21:51.680 she's different than Mary Smith down the street who only 417 00:21:51.680 --> 00:21:53.200 needs a five dollars. 418 00:21:54.480 --> 00:21:57.720 No, they don't have to pay for her transportation to work. 419 00:21:57.759 --> 00:22:01.559 You're absolutely correct and that, and for for the reasons 420 00:22:01.599 --> 00:22:10.200 that you uh said. The basically everybody's responsible for getting 421 00:22:10.240 --> 00:22:13.720 to their job. However, let's say that you know you're 422 00:22:13.759 --> 00:22:17.279 on narcotics for your injury and you can't safely drive 423 00:22:18.000 --> 00:22:21.240 that the argument could then be made, hey, I really 424 00:22:21.319 --> 00:22:25.519 can't get to work. That that's a restriction that prevents 425 00:22:25.599 --> 00:22:29.079 me from getting to work. I can't safely do that. 426 00:22:29.279 --> 00:22:32.640 There's it's a very gray area. It's a matter that 427 00:22:32.680 --> 00:22:36.359 you would that we would negotiate with the adjuster. We'd 428 00:22:36.359 --> 00:22:39.680 call the adjuster and say, hey, you know, this isn't reasonable. 429 00:22:40.240 --> 00:22:43.079 The person's on narcotics, they can't get to work, the 430 00:22:43.160 --> 00:22:45.400 person has a broken angle ankle. 431 00:22:46.039 --> 00:22:47.559 I think what they're going to do is fire, and 432 00:22:47.720 --> 00:22:50.240 I think she's going to get fired. And I and 433 00:22:50.279 --> 00:22:53.359 Cliff they have every reason to fire her if she 434 00:22:53.480 --> 00:22:55.640 says I can't get to work, that they're going to 435 00:22:55.680 --> 00:22:56.160 fire her. 436 00:22:57.599 --> 00:23:01.799 So GEO just that the becomes a wrongful discharge thing, 437 00:23:01.839 --> 00:23:04.200 which we don't do. That's a whole different area. 438 00:23:03.920 --> 00:23:08.440 Of the law, guys. I want to steer this a 439 00:23:08.440 --> 00:23:11.200 different direction real quick. Then we'll take a break. But Cliff, 440 00:23:11.880 --> 00:23:16.160 just a couple questions. One, what is the status of 441 00:23:16.319 --> 00:23:20.400 people going at something alone during a workman's comp in 442 00:23:21.559 --> 00:23:25.519 collecting money or getting money compared to someone with an attorney. 443 00:23:25.559 --> 00:23:28.559 Is there stats out there like that for workmen's comp. 444 00:23:30.640 --> 00:23:33.319 You know, I don't know that there's specific stats, but 445 00:23:33.359 --> 00:23:35.759 I've been doing this for thirty years and I can 446 00:23:35.759 --> 00:23:39.519 tell you that it's a rare case where someone's going 447 00:23:39.599 --> 00:23:42.079 to call the insurance company and then all of a 448 00:23:42.119 --> 00:23:44.599 sudden going to say, oh, yeah, you're right, we're wrong. 449 00:23:44.880 --> 00:23:45.640 Here, we're going. 450 00:23:45.640 --> 00:23:47.759 To pay you a temporary to little disability. Hey, we're going 451 00:23:47.839 --> 00:23:49.960 to give you all this all this money. I do 452 00:23:50.200 --> 00:23:53.160 know that statistically, although I don't know the exact stet, 453 00:23:53.480 --> 00:23:56.880 you're much more likely you get a fair impairment rating 454 00:23:57.000 --> 00:24:00.599 fair medical care with an erect protected when you have 455 00:24:00.839 --> 00:24:01.400 well yeah. 456 00:24:01.240 --> 00:24:03.960 Because first of all, they know they know they can't 457 00:24:03.960 --> 00:24:06.680 bs them. Now get I gotta get to this break. 458 00:24:06.680 --> 00:24:08.799 But here's what I want to say, Daryl. You have 459 00:24:08.799 --> 00:24:10.960 a legit issue if she can't get to work. But 460 00:24:11.160 --> 00:24:14.640 remember they don't have to make each and every accommodation. 461 00:24:15.039 --> 00:24:19.359 So as soon as you tell them she can't return 462 00:24:19.440 --> 00:24:23.480 for light duty with restrictions, they're going to fire her. 463 00:24:23.759 --> 00:24:26.039 So it doesn't sound like it's the most stellar job 464 00:24:26.039 --> 00:24:26.480 in the world. 465 00:24:26.519 --> 00:24:29.839 She'll still get this case going, she'll still get what's 466 00:24:29.880 --> 00:24:32.799 coming to her on this case, and she find another job. 467 00:24:33.079 --> 00:24:34.920 I don't know what else to say, Daryl. 468 00:24:34.680 --> 00:24:38.000 Because systems are not set up to accommodate people. We 469 00:24:38.119 --> 00:24:41.519 don't have a nanny government. And again I'm not saying 470 00:24:41.559 --> 00:24:44.720 you're asking for that, Daryl. Trust me, I know you're 471 00:24:44.759 --> 00:24:47.480 in a hard place there, and I'm not making fun 472 00:24:47.519 --> 00:24:48.160 of you or anything. 473 00:24:48.160 --> 00:24:50.640 I'm just saying the system. 474 00:24:50.640 --> 00:24:54.680 The government is not set up for each and every person. Okay, 475 00:24:55.160 --> 00:24:59.319 it's very, very difficult unless you came to the country illegally. 476 00:24:59.559 --> 00:25:01.720 Now we have more coming up on the Troubleshooter Show. 477 00:25:01.799 --> 00:25:05.920 Let me give you Cliff Enton's contact Enton E. N T. E. 478 00:25:06.079 --> 00:25:10.200 N Entin Law dot Com. Three o three three three 479 00:25:10.279 --> 00:25:14.440 three two two two two. That's three oh three three 480 00:25:14.519 --> 00:25:18.799 three three two two two two. 481 00:25:21.400 --> 00:25:24.680 Go with a sure thing Denver's best roofer Excel Roofing 482 00:25:24.759 --> 00:25:27.400 dot com. You don't pay a cent until you're content. 483 00:25:30.759 --> 00:25:33.960 Time for an insurance check up free, no obligation. In comparison, 484 00:25:34.079 --> 00:25:37.640 call Compass Insurance paying too much your coverage at dozens 485 00:25:37.680 --> 00:25:40.400 of insurance companies find out now three oh three seven 486 00:25:40.480 --> 00:25:40.960 seven to one. 487 00:25:41.079 --> 00:25:41.359 Help. 488 00:25:41.519 --> 00:25:44.160 You'll think you're his only customer when you choose Frank 489 00:25:44.200 --> 00:25:46.680 durand the real estate Man dot com to list your 490 00:25:46.680 --> 00:25:49.880 home with Remax Alliance three oh three nine two zero 491 00:25:49.960 --> 00:25:52.200 sixteen twenty two. 492 00:25:52.880 --> 00:25:56.079 Hi Tom Martino here by did I tell you? You 493 00:25:56.119 --> 00:25:59.680 can also text me on the show now iHeart has 494 00:25:59.680 --> 00:26:02.920 a short code five seven seven thirty nine. Just text 495 00:26:02.920 --> 00:26:06.480 me there or I have my private line. And by 496 00:26:06.480 --> 00:26:08.640 the way, it is private. I carry it all the time, 497 00:26:08.720 --> 00:26:10.640 so if you text me at night, I'll get it 498 00:26:10.799 --> 00:26:12.480 and I put it in a folder to call you 499 00:26:12.559 --> 00:26:16.759 back on certain problems. And this number you can even 500 00:26:16.799 --> 00:26:20.720 text me about Wave eight Capital or whatever you want. 501 00:26:20.759 --> 00:26:26.759 Now here it is seven four seven nine fifty two 502 00:26:26.880 --> 00:26:30.039 eighty And the way I remember seven four to seven 503 00:26:30.119 --> 00:26:32.680 is a big giant jumbo jet. I love nine nine 504 00:26:32.799 --> 00:26:35.680 nine is because you can't do ten ten ten and that's. 505 00:26:35.519 --> 00:26:36.680 The closest to perfection. 506 00:26:37.079 --> 00:26:39.599 And fifty two eighty for the Mile High City seven 507 00:26:39.680 --> 00:26:42.680 four seven nine nine nine fifty two eighty. We have 508 00:26:42.720 --> 00:26:47.599 Mark Schmanski with us, and we'll be talking about issues 509 00:26:47.960 --> 00:26:51.160 with stucco, because I'm getting some questions on stucco. 510 00:26:51.640 --> 00:26:54.839 Some people I believe don't even know if they have stucco. 511 00:26:55.160 --> 00:26:59.160 But I know Mark, along with Genesis Total Exteriors has 512 00:26:59.799 --> 00:27:03.160 just about everything with UH when it comes to stucco 513 00:27:03.319 --> 00:27:07.160 as far as knowledge and execution. Darryl right now has 514 00:27:07.200 --> 00:27:10.720 an issue with an attorney. Darryl, what's going on? 515 00:27:12.680 --> 00:27:12.920 Both? 516 00:27:14.759 --> 00:27:17.559 Yes, I have an issue with an attorney. I acquired 517 00:27:17.640 --> 00:27:24.319 this attorney last November eighteenth, and I spoke with him 518 00:27:24.359 --> 00:27:29.039 about some problems that were going on with me and 519 00:27:29.119 --> 00:27:30.279 my family. 520 00:27:30.359 --> 00:27:33.000 Basically, my mother is, well, give me. 521 00:27:33.000 --> 00:27:34.519 Give me some specifics. 522 00:27:34.559 --> 00:27:38.039 Like you, it's pretty odd to hire an attorney to 523 00:27:38.519 --> 00:27:42.680 go after your family unless there's something going on, like specifically, 524 00:27:43.039 --> 00:27:45.799 was it just was somebody about to die, or did 525 00:27:45.839 --> 00:27:46.440 it have to do. 526 00:27:46.400 --> 00:27:47.279 With an estate or what? 527 00:27:48.480 --> 00:27:50.880 Well it has to do with an estateium and yes, 528 00:27:50.960 --> 00:27:56.279 my mother getting old. What was going on? Was my 529 00:27:56.279 --> 00:28:04.079 my mother? She voice to me years before that her 530 00:28:04.160 --> 00:28:07.640 pension had stopped and she didn't she didn't know why. 531 00:28:07.680 --> 00:28:13.039 This was back in twenty fifteen or twenty sixteen, and iiate, 532 00:28:13.200 --> 00:28:16.799 I immediately thought that my sister had. 533 00:28:16.599 --> 00:28:19.559 Something to do with it, and did you look into it? 534 00:28:20.920 --> 00:28:24.359 Well, I the way I looked into it was I 535 00:28:24.480 --> 00:28:29.319 tried to I did acquire this attorney, and he told me, okay. 536 00:28:29.240 --> 00:28:31.359 So that's one of the reasons you hired the attorney. 537 00:28:31.599 --> 00:28:34.839 You thought the sister somehow might have cashed out that 538 00:28:34.920 --> 00:28:35.799 pension or something. 539 00:28:37.000 --> 00:28:41.480 Yes, yes, okay, okay, I would she. 540 00:28:41.440 --> 00:28:44.000 Have done that without your mom's permission? Did I miss 541 00:28:44.000 --> 00:28:44.920 something or was she? 542 00:28:45.279 --> 00:28:46.440 Well? 543 00:28:47.160 --> 00:28:50.599 What she did was you know, with my mother not 544 00:28:50.640 --> 00:28:57.440 really knowing. Took her to my mother's bank and sat 545 00:28:57.480 --> 00:29:00.079 my mother down. I was there, went up to the 546 00:29:00.359 --> 00:29:04.079 tell her, got some paperwork, brought it back over and 547 00:29:04.519 --> 00:29:08.599 to my mother and basically made like my mother signed 548 00:29:08.599 --> 00:29:11.599 it and took it back to the teller. That was 549 00:29:11.640 --> 00:29:16.960 for her social security. But the pension part, my mother 550 00:29:17.119 --> 00:29:19.000 told me that she was going to have quite as 551 00:29:19.039 --> 00:29:20.960 she said, is no way, I'd spent all this money 552 00:29:21.440 --> 00:29:24.119 and I'm going to have you know X amount of 553 00:29:24.119 --> 00:29:27.720 dollars for you and your sister to split. And I 554 00:29:27.839 --> 00:29:30.640 know it. My sister was going through some things with 555 00:29:31.359 --> 00:29:32.240 her own family. 556 00:29:33.440 --> 00:29:36.240 Yeah, yeah, no, I understand this. It's all circumstantial. But 557 00:29:36.279 --> 00:29:39.039 here's what I want to know. When you hired an attorney, 558 00:29:39.519 --> 00:29:42.960 and remember, this is not an estate right now, this 559 00:29:43.039 --> 00:29:46.279 is not This is a private family matter, and basically 560 00:29:46.319 --> 00:29:48.880 no one has to tell you anything. But there are 561 00:29:49.000 --> 00:29:51.000 things he should have asked. We'll go over that coming 562 00:29:51.079 --> 00:29:52.079 up right after this. 563 00:29:53.359 --> 00:29:59.839 Okay, go with a sure thing Denver's Best Ruffer Excel 564 00:30:00.400 --> 00:30:03.000 dot com. You don't pay a cent until you're content. 565 00:30:04.599 --> 00:30:08.880 Wait time for an insurance check up free, no obligation. 566 00:30:08.920 --> 00:30:12.720 In comparison, call Compass Insurance paying too much your coverage 567 00:30:12.759 --> 00:30:15.400 at dozens of insurance companies find out now three all 568 00:30:15.480 --> 00:30:16.599 three seven seven to one. 569 00:30:16.720 --> 00:30:17.000 Help. 570 00:30:17.160 --> 00:30:19.799 You'll think you're his only customer when you choose Frank 571 00:30:19.839 --> 00:30:22.279 durand the real estate Man dot com to list your 572 00:30:22.319 --> 00:30:25.440 home with Remax Alliance three all three nine two zero 573 00:30:25.599 --> 00:30:26.559 sixteen twenty two. 574 00:30:27.519 --> 00:30:31.319 Hi Tom Martino, be your troubleshooter. Three oh three seven 575 00:30:31.359 --> 00:30:35.200 to one three talk waterpros dot net. The best water 576 00:30:35.240 --> 00:30:37.119 system is the lowest prices. You got to go and 577 00:30:37.200 --> 00:30:39.720 check it out. You'll never get anything better health for 578 00:30:39.759 --> 00:30:42.960 your body. And if you're taking supplements and watching what 579 00:30:43.000 --> 00:30:46.119 you eat and exercising, it's all nothing without good water 580 00:30:46.640 --> 00:30:49.759 waterpros dot net right now, a whole house system under 581 00:30:49.759 --> 00:30:54.039 four grand for everything to keep your water pure, your showers, 582 00:30:54.079 --> 00:30:56.759 you're plumbing everything. So that's three oh three eight six 583 00:30:56.880 --> 00:30:59.440 two five five five four. Darryl has an issue with 584 00:30:59.440 --> 00:31:01.599 the family at you. And you know, here's the thing. 585 00:31:01.839 --> 00:31:07.319 He hired an attorney because he suspected his sister was 586 00:31:07.359 --> 00:31:11.200 somehow or somehow diverted the pension to her, because the 587 00:31:11.240 --> 00:31:15.400 mom said, my pension stopped back in twenty sixteen. But 588 00:31:15.480 --> 00:31:17.759 my god, it's taken you so long to get around 589 00:31:17.799 --> 00:31:21.160 to this. Did you ever did you actually sue your 590 00:31:21.200 --> 00:31:24.920 sister or when you hired an attorney, what action did 591 00:31:24.920 --> 00:31:25.759 the attorney take. 592 00:31:27.119 --> 00:31:30.559 Well, the attorney said, well, the first thing you're going 593 00:31:30.599 --> 00:31:36.119 to have to do is get conservativeship and guardianship over 594 00:31:36.160 --> 00:31:36.559 your mother. 595 00:31:37.200 --> 00:31:38.160 All that's not true. 596 00:31:39.000 --> 00:31:42.000 I mean, in other words, you just wanted to know 597 00:31:42.039 --> 00:31:44.440 what happened with the pension. You can do that with 598 00:31:44.559 --> 00:31:47.079 your mother's permission. Your mother would give you permission to 599 00:31:47.119 --> 00:31:50.680 access her account and work directly with the insurance company 600 00:31:50.279 --> 00:31:54.240 with the pension. You wouldn't. You don't have to do anything. 601 00:31:54.559 --> 00:31:56.319 I don't know why your attorney would tell you that. 602 00:31:57.319 --> 00:31:59.359 Yeah, he told me that. But my mother has dementia 603 00:32:00.359 --> 00:32:03.440 and so. 604 00:32:02.039 --> 00:32:04.799 So she can't grant you. She can't grant you a 605 00:32:04.799 --> 00:32:06.519 power of attorney to look at that account. 606 00:32:07.519 --> 00:32:10.519 Well, my sister she had got in power of attorney 607 00:32:11.119 --> 00:32:13.839 through someone at her job about a year ago. 608 00:32:14.079 --> 00:32:16.680 Just you mean somebody at her job helped her get it. 609 00:32:17.759 --> 00:32:19.559 Yes, she has a notary at her job. 610 00:32:20.319 --> 00:32:23.519 And well, okay, all a notary does is, let's not 611 00:32:23.559 --> 00:32:24.279 even get into it. 612 00:32:24.440 --> 00:32:27.400 A notary just says this person signed this document. They 613 00:32:27.960 --> 00:32:31.200 do nothing about the formation of a document or anything. 614 00:32:31.400 --> 00:32:34.279 Not one thing, not one thing do they do if 615 00:32:34.319 --> 00:32:39.200 there's words spelled wrong and it's totally gobblygook, they do 616 00:32:39.279 --> 00:32:42.480 nothing except certify that or notarized that you signed it. 617 00:32:42.559 --> 00:32:45.680 That's all. That's the only function they have. So who 618 00:32:45.799 --> 00:32:47.880 drew up this document? 619 00:32:49.440 --> 00:32:53.880 Who was a person at her job, a secretary or 620 00:32:54.559 --> 00:32:57.640 do you have a copy of it. No, I don't. 621 00:32:57.720 --> 00:32:59.720 She didn't and that was the problem. I never did 622 00:32:59.799 --> 00:33:02.200 get to see it. When when when she first said that. 623 00:33:02.200 --> 00:33:04.759 You how many siblings are there? When you when you 624 00:33:04.799 --> 00:33:06.200 get it, when your answers. 625 00:33:05.839 --> 00:33:09.400 Get too long, I need to okay, So just you 626 00:33:09.480 --> 00:33:12.680 and her, just you and her? And how much money 627 00:33:12.759 --> 00:33:15.440 do you estimate where it was in the pension? 628 00:33:17.119 --> 00:33:21.000 Well, my father who's deceased, he told me, now none 629 00:33:21.039 --> 00:33:21.680 of that matters. 630 00:33:21.799 --> 00:33:23.400 I need to know what you think was in the 631 00:33:23.559 --> 00:33:25.160 I just need to know how much you think the. 632 00:33:25.079 --> 00:33:29.279 Pension two hundred and fifty thousand dollars, which was that was. 633 00:33:29.240 --> 00:33:32.119 Still in it? That was still in it? 634 00:33:31.160 --> 00:33:32.519 Yeah? 635 00:33:32.680 --> 00:33:33.119 Okay? 636 00:33:33.599 --> 00:33:36.279 Now could you could you in a friendly way stay 637 00:33:36.279 --> 00:33:39.440 to your sister. I'm concerned about this pension and put 638 00:33:39.480 --> 00:33:41.680 it this way. I think maybe the company might have 639 00:33:41.720 --> 00:33:44.720 screwed her. We should look into why it stopped. Can 640 00:33:44.759 --> 00:33:47.640 you help me out? Would she help you? 641 00:33:47.680 --> 00:33:50.119 No, she wouldn't help me because I did ask Well 642 00:33:50.160 --> 00:33:52.920 before I could even ask her, she said, Mom spent 643 00:33:52.960 --> 00:33:55.400 all her money and she's not going to be able 644 00:33:55.440 --> 00:33:56.039 to ford her house. 645 00:33:56.079 --> 00:33:58.720 The the So did she say that she took it? 646 00:33:58.960 --> 00:34:01.079 Did she say she took advanced payments. 647 00:34:01.880 --> 00:34:03.799 No, No, she didn't say anything like that. 648 00:34:03.799 --> 00:34:07.279 Well, there's a reason. There's a reason pensions stop. There's 649 00:34:07.279 --> 00:34:11.239 a reason. Okay, right, they don't just stop. What kind 650 00:34:11.280 --> 00:34:13.519 of a pension was it? 651 00:34:13.519 --> 00:34:16.079 It was a pension from my father's employment. 652 00:34:17.360 --> 00:34:19.000 Okay, all right, it was it was. 653 00:34:19.159 --> 00:34:22.000 It was two hundred and fifty dollars put up in. 654 00:34:22.000 --> 00:34:24.519 The interest off of that was probably fifty maybe a 655 00:34:24.519 --> 00:34:26.239 little over five thousand dollars. 656 00:34:27.159 --> 00:34:29.360 Okay, So how much did she get? How much did 657 00:34:29.400 --> 00:34:30.119 she get each. 658 00:34:30.000 --> 00:34:35.760 Month the pension was I believe it was like fifty 659 00:34:36.320 --> 00:34:39.599 four hundred fifty five hundred. And she also has a 660 00:34:39.639 --> 00:34:42.000 Social Security which is about sixteen hundred. 661 00:34:42.119 --> 00:34:42.800 So okay. 662 00:34:42.840 --> 00:34:43.840 My mother was saying, so. 663 00:34:43.840 --> 00:34:47.000 You think, here's the bottom line, you think your sister 664 00:34:47.159 --> 00:34:50.360 is screwing your mom? Is you think your sister did 665 00:34:50.400 --> 00:34:52.159 away with her pension and kept the money. 666 00:34:52.559 --> 00:34:53.440 Hold on and. 667 00:34:53.400 --> 00:34:56.239 I'm going to see what we can do. I'm just 668 00:34:56.280 --> 00:34:58.320 going to see what we can do. Let's try to 669 00:34:58.320 --> 00:35:02.840 get mackenzie on if we can. Dan would be a 670 00:35:02.880 --> 00:35:05.639 good one if he can talk about this. What do 671 00:35:05.719 --> 00:35:08.519 you do when you think someone's cheating? How do you 672 00:35:08.599 --> 00:35:11.360 open this up? It happens more and more families. 673 00:35:11.400 --> 00:35:11.599 Mark. 674 00:35:11.599 --> 00:35:13.760 I don't know if you've noticed, but man, the calls 675 00:35:13.760 --> 00:35:18.760 have multiplied on families going after families over estates. So 676 00:35:18.880 --> 00:35:21.199 stick around for this and more on The Troubleshooter Show. 677 00:35:23.360 --> 00:35:26.599 Go with a sure thing Denver's Best roofer Excel Roofing 678 00:35:26.719 --> 00:35:27.320 dot com. 679 00:35:27.320 --> 00:35:29.360 You don't pay a cent until you're content. 680 00:35:32.719 --> 00:35:35.920 Time for an insurance checkup free, no obligation in comparison 681 00:35:36.039 --> 00:35:39.599 call Compass Insurance. Pay too much your coverage at dozens 682 00:35:39.639 --> 00:35:42.360 of insurance companies find out now three o three seven 683 00:35:42.360 --> 00:35:44.719 to seven to one help. You'll think you're his only 684 00:35:44.800 --> 00:35:47.280 customer when you choose Frank durand the real estate Man 685 00:35:47.320 --> 00:35:50.719 dot com to list your home with Remax Alliance three 686 00:35:50.800 --> 00:35:53.000 oh three nine two zero sixteen twenty. 687 00:35:52.719 --> 00:35:58.639 Two d. 688 00:36:00.719 --> 00:36:03.320 News needed by so you. 689 00:36:03.360 --> 00:36:03.760 Don't have. 690 00:36:05.960 --> 00:36:06.760 Come running. 691 00:36:07.000 --> 00:36:08.159 Just as fast as. 692 00:36:07.920 --> 00:36:13.719 We can show Shooter's gonna help come Man. 693 00:36:13.119 --> 00:36:15.320 Dix is the Troubleshooter Show. 694 00:36:15.960 --> 00:36:23.159 Now Tom Martino, Tom Martino here, Welcome to the show. 695 00:36:23.239 --> 00:36:26.239 Three zero three seven one three talk three oh three 696 00:36:26.360 --> 00:36:28.360 seven one three eight two five five. 697 00:36:28.760 --> 00:36:30.760 What's going on? How can we help you? We ask 698 00:36:30.800 --> 00:36:32.440 it every day forty. 699 00:36:32.159 --> 00:36:35.360 Five years here fifty years otherwise, but the longest running 700 00:36:35.400 --> 00:36:37.880 show on the radio with the same host currently on 701 00:36:37.920 --> 00:36:40.880 the air, and. 702 00:36:39.800 --> 00:36:42.800 By the way, that does not escape me. Then it 703 00:36:42.840 --> 00:36:44.840 could have been over. 704 00:36:45.679 --> 00:36:47.480 And I'm so happy to be back here, and I'm 705 00:36:47.760 --> 00:36:50.440 over the next few months, just says in a service 706 00:36:50.519 --> 00:36:52.679 note here, I'll be up and down based on my 707 00:36:52.800 --> 00:36:55.559 post surgery chimo, which they're doing. 708 00:36:55.320 --> 00:37:01.840 As a blast for caution, so that today is one 709 00:37:01.880 --> 00:37:02.360 of those days. 710 00:37:02.440 --> 00:37:05.480 Just thought I mentioned it because I usually sound like 711 00:37:05.519 --> 00:37:08.000 one hundred times better than Mark, but today I'm only 712 00:37:08.039 --> 00:37:13.280 fifty times better, so I'm sure you noticed. And Dan 713 00:37:13.360 --> 00:37:15.840 McKenzie is an expert that I wanted to get on because, 714 00:37:16.320 --> 00:37:21.000 oh my god, he's an estate planning attorney and he 715 00:37:21.000 --> 00:37:22.360 helps a lot of people. 716 00:37:22.280 --> 00:37:27.079 And this happens so much. I just it's outside of probate, Okay, 717 00:37:27.119 --> 00:37:31.039 totally outside of probate. Dan. The mom has dementia, the 718 00:37:31.159 --> 00:37:32.920 oldest daughter. There's just two of them. 719 00:37:33.440 --> 00:37:39.039 There's Daryl who called us, and his sister, and back 720 00:37:39.039 --> 00:37:44.840 in twenty sixteen her pension stopped. The mom said, I 721 00:37:44.920 --> 00:37:47.320 thought I had a lot more money in there. She 722 00:37:47.400 --> 00:37:49.159 was getting a lot of money, like five thousand a 723 00:37:49.199 --> 00:37:54.519 month or almost five thousand, and suddenly the payment stopped. 724 00:37:55.000 --> 00:37:58.400 Right around that time, the daughter had a durable power 725 00:37:58.400 --> 00:38:04.039 of attorney. Suspects that his sister got the money somehow, 726 00:38:05.679 --> 00:38:09.559 so he called an attorney and what I'm not clear on, Darryl, 727 00:38:10.199 --> 00:38:13.360 what did your attorney say to do? 728 00:38:13.559 --> 00:38:13.719 What? 729 00:38:14.039 --> 00:38:17.679 Let's check that first. What did your attorney say to do? 730 00:38:19.719 --> 00:38:23.239 He told me there is no way your sister should 731 00:38:23.320 --> 00:38:26.119 be doing that. And he said, what you need to do? 732 00:38:26.519 --> 00:38:28.840 Well, if she wait, if she did do it, if 733 00:38:28.880 --> 00:38:30.880 she did do it, there's no way she should be 734 00:38:30.920 --> 00:38:31.199 doing that. 735 00:38:31.239 --> 00:38:31.760 Of course not. 736 00:38:32.119 --> 00:38:33.519 Yeah, yeah, this way he came in. 737 00:38:33.760 --> 00:38:36.480 But did he say did he say he would he 738 00:38:36.519 --> 00:38:37.960 would find out what she did? 739 00:38:38.039 --> 00:38:43.719 If anything, there's a paper trail somewhere, right right exactly. 740 00:38:43.840 --> 00:38:46.320 He told me there's a paper trail somewhere, and he says, 741 00:38:47.199 --> 00:38:50.519 the best thing you should do is get conservativeship and guardianship, 742 00:38:50.599 --> 00:38:52.159 so you can so you. 743 00:38:52.119 --> 00:38:54.519 Can put Darryl Dryld. 744 00:38:54.599 --> 00:38:57.960 Okay, but but you come out of the blue for guardianship. 745 00:38:58.679 --> 00:39:02.000 Who has guardianship right now? And that's not a power 746 00:39:02.000 --> 00:39:06.239 of attorney, just so you know. Okay, So apparently apparently 747 00:39:06.559 --> 00:39:08.639 then she's not incompetent. 748 00:39:10.800 --> 00:39:11.960 And what if you went over. 749 00:39:11.800 --> 00:39:15.079 There, she only got Why don't you a year A 750 00:39:15.159 --> 00:39:15.840 year ago. 751 00:39:16.360 --> 00:39:17.119 Okay, a year ago? 752 00:39:17.199 --> 00:39:19.440 Okay, Then I don't know what she did back in 753 00:39:19.440 --> 00:39:20.400 twenty sixteen. 754 00:39:20.960 --> 00:39:22.159 I don't know, but. 755 00:39:22.239 --> 00:39:26.599 You you can ask your mother, chick, why doesn't your 756 00:39:26.639 --> 00:39:29.920 mom get a full accounting of her pension? And then 757 00:39:29.920 --> 00:39:32.000 we'll see what happened to the balance of the money. 758 00:39:32.760 --> 00:39:35.960 What she well she has to do. Why can't she 759 00:39:36.000 --> 00:39:36.199 do it? 760 00:39:36.199 --> 00:39:38.440 I can't do anything right now because she's eighty seven 761 00:39:38.480 --> 00:39:40.000 with dimension in the last stages. 762 00:39:40.119 --> 00:39:44.199 I mean, okay, okay, you said she's not declared dementia. 763 00:39:44.320 --> 00:39:46.519 She doesn't have a guardian. So here's what you do. 764 00:39:46.599 --> 00:39:48.679 Instead of being assigned I mean, you can be assigned 765 00:39:48.679 --> 00:39:52.440 a guardian, But how about getting her to sign a 766 00:39:52.480 --> 00:39:55.719 power of attorney. Ask your attorney to write something up 767 00:39:55.760 --> 00:39:58.039 for her to sign. Get her to sign it. No 768 00:39:58.079 --> 00:40:01.119 one says she's just you know, if no one's disputing 769 00:40:01.159 --> 00:40:03.800 her mental health right now, get her to sign. And 770 00:40:03.880 --> 00:40:06.800 now listen, you're not talking to Dan McKenzie. Dan, what 771 00:40:06.800 --> 00:40:08.639 do you do in a case like this? The mother 772 00:40:08.679 --> 00:40:11.639 has to mention the sister has a power of attorney, 773 00:40:11.760 --> 00:40:13.440 and I don't even know what the power of attorney 774 00:40:13.519 --> 00:40:13.840 is for? 775 00:40:14.199 --> 00:40:16.360 Is it a durable power? Attorney? For everything? 776 00:40:16.440 --> 00:40:16.679 Darryl? 777 00:40:16.719 --> 00:40:18.000 Does she take care of everything? 778 00:40:19.480 --> 00:40:21.719 She takes it right now because she's off she's a 779 00:40:21.719 --> 00:40:24.360 school teacher. She's off of school right now. She moved 780 00:40:24.440 --> 00:40:25.599 over to Yeah. 781 00:40:25.639 --> 00:40:28.320 I don't care about where she moved. All I want 782 00:40:28.360 --> 00:40:31.320 to know is does she take care of all the books? 783 00:40:33.480 --> 00:40:33.840 Yes? 784 00:40:34.079 --> 00:40:34.320 Yes? 785 00:40:34.519 --> 00:40:35.000 Okay? 786 00:40:35.320 --> 00:40:39.280 Now will she let you say them? Say? Hey, why 787 00:40:39.320 --> 00:40:40.159 don't you put it to her? 788 00:40:40.199 --> 00:40:40.960 This way? Hey? 789 00:40:41.039 --> 00:40:44.800 Mary, you know our mom's pension stopped in twenty sixteen. 790 00:40:45.039 --> 00:40:47.679 There might be money on the table somewhere. We should 791 00:40:47.719 --> 00:40:50.360 look into this. Would she help you look into it? 792 00:40:51.280 --> 00:40:54.440 No, she won't help me look into it. Why she is? 793 00:40:55.039 --> 00:40:58.440 I have no idea. She's just like that. She's so. 794 00:40:58.800 --> 00:40:59.920 Here's what I don't understand. 795 00:41:00.199 --> 00:41:02.519 Why does your attorney feel all you have to do 796 00:41:02.639 --> 00:41:05.920 is become is did he say you should open up probate? 797 00:41:06.360 --> 00:41:09.400 First of all, Dan mackenzie, can you even open probate 798 00:41:09.440 --> 00:41:10.599 when someone's still alive? 799 00:41:11.519 --> 00:41:11.719 Yeah? 800 00:41:12.119 --> 00:41:14.599 Yes, that is a conservative ship. That is a probate case. 801 00:41:15.679 --> 00:41:18.360 And and do you think that's good advice that he 802 00:41:18.480 --> 00:41:22.079 go for that? And the sister's going to object, right, Daryl, 803 00:41:22.280 --> 00:41:24.960 she's going to object. 804 00:41:25.039 --> 00:41:28.320 Right right, Okay, So when she had. 805 00:41:27.960 --> 00:41:31.559 When she had put oh hey, you already filed that, 806 00:41:31.559 --> 00:41:33.480 it would have been nice if you told. 807 00:41:33.119 --> 00:41:35.039 He took me through the like Like I said. 808 00:41:34.840 --> 00:41:38.679 I acquired this attorney on last November and we've gone 809 00:41:38.719 --> 00:41:44.199 through the whole thing. Had uh uh senior was the 810 00:41:44.280 --> 00:41:46.320 senior social caseworker come to the house. 811 00:41:46.400 --> 00:41:49.360 Okay, I'm okay, So you did you did file. 812 00:41:49.760 --> 00:41:52.840 You did file a motion with the courts to open 813 00:41:52.880 --> 00:41:56.320 a probate a conservative ship and take over. Right, So 814 00:41:56.599 --> 00:41:58.800 did your your sister knows you filed it. 815 00:41:59.800 --> 00:42:02.599 Now she does, Yes, she does, and she's got an attorney. 816 00:42:02.719 --> 00:42:05.559 And my attorney hasn't even told me that she has 817 00:42:05.559 --> 00:42:07.719 an attorney, but she has an attorney. 818 00:42:07.719 --> 00:42:12.079 So your attorney, let me get this straight. So your attorney, 819 00:42:12.639 --> 00:42:15.039 you have an attorney. So what was your Let's just 820 00:42:15.079 --> 00:42:17.639 go right to this. What was your question for Dan 821 00:42:17.760 --> 00:42:19.719 McKenzie today? 822 00:42:21.079 --> 00:42:28.400 My question for him is is it possible that I 823 00:42:28.440 --> 00:42:30.639 was trying to get the house not to go into 824 00:42:30.639 --> 00:42:34.480 probate court by applying my name, you know, even my 825 00:42:34.559 --> 00:42:37.360 sister's name on the property. 826 00:42:37.599 --> 00:42:39.719 Do not do, do not do a quit claim. Do 827 00:42:39.840 --> 00:42:41.039 not do a quit claim deed. 828 00:42:41.400 --> 00:42:44.440 I just posted something about that a quit claim deed 829 00:42:44.519 --> 00:42:45.360 is not a good idea. 830 00:42:45.920 --> 00:42:47.880 Okay, I don't want to go into I don't want 831 00:42:47.880 --> 00:42:49.239 to go into all the details. 832 00:42:49.440 --> 00:42:53.880 But it's always best, It's always best. Well, okay, let's 833 00:42:53.920 --> 00:42:55.960 say ninety eight percent of the time. I'm sure as 834 00:42:56.000 --> 00:42:59.119 an attorney, Dan McKenzie will say, you can't say always 835 00:42:59.440 --> 00:43:03.679 because sometimes, but most of the time, it's better to 836 00:43:03.800 --> 00:43:06.599 leave the house in a beneficiary deed or in a 837 00:43:06.599 --> 00:43:10.239 will because then you get the stepped up basement excuse me, 838 00:43:10.320 --> 00:43:16.440 basis of today's of today's value. So don't do stupid 839 00:43:16.519 --> 00:43:18.320 things like a quit claim deed. 840 00:43:18.840 --> 00:43:20.840 All you need to do is a beneficiary deed. 841 00:43:21.000 --> 00:43:24.840 But if you do a beneficiary deed, it's either going 842 00:43:24.880 --> 00:43:26.559 to be to you or your sister or both of you. 843 00:43:26.800 --> 00:43:29.599 So is your sister in favor of a beneficiary deed. 844 00:43:31.519 --> 00:43:32.760 My sister won't talk to me. 845 00:43:33.360 --> 00:43:37.800 Okay, you want talk to Dan, I'm throwing this in 846 00:43:37.880 --> 00:43:38.360 your lap. 847 00:43:38.679 --> 00:43:40.480 They want to make sure the house is preserved, but 848 00:43:40.559 --> 00:43:42.639 they're not even talking to each other. So I don't 849 00:43:42.880 --> 00:43:44.239 I don't know what do you do in a case 850 00:43:44.320 --> 00:43:47.599 like this, Dan, where siblings aren't even talking. Can you 851 00:43:47.639 --> 00:43:49.920 go to the court and say, hey, make her talk 852 00:43:49.960 --> 00:43:51.280 to me. 853 00:43:51.519 --> 00:43:54.639 I mean, that really is the conservatorship route, you know that. 854 00:43:54.719 --> 00:43:57.440 And the issue that is difficult is that when the 855 00:43:57.480 --> 00:43:59.920 mom is alive, she's given power of attorney to the sister, 856 00:44:00.199 --> 00:44:03.440 and really the sister's obligation is to the mom. She 857 00:44:03.440 --> 00:44:05.800 doesn't really have an obligation to her brother at this point. 858 00:44:07.000 --> 00:44:09.719 But Daryl, you can step into the shoes of your 859 00:44:09.760 --> 00:44:12.920 mom by becoming her conservator, and at least that process 860 00:44:13.000 --> 00:44:15.519 might squeeze out some information about exactly what's going on 861 00:44:15.559 --> 00:44:17.199 here because it is a it is. 862 00:44:17.199 --> 00:44:18.159 A core process. 863 00:44:18.559 --> 00:44:21.320 So when he applies for it, she's going to come 864 00:44:21.360 --> 00:44:24.239 and object, and that's where they can have this conversation 865 00:44:24.320 --> 00:44:26.400 about the pension and all of that. Would he be 866 00:44:26.440 --> 00:44:28.920 allowed to say, look, I'm doing this because there was 867 00:44:28.960 --> 00:44:32.199 some questionable activity with that would open it all up. 868 00:44:32.159 --> 00:44:35.559 Right, Yeah, I mean, I suspect you could do that. 869 00:44:35.800 --> 00:44:37.920 Once you're in a court case, You've got some discovery 870 00:44:38.000 --> 00:44:41.159 tower probably and could ask for some documents about exactly 871 00:44:41.199 --> 00:44:41.760 what's going on. 872 00:44:41.840 --> 00:44:48.199 So you're heading in the right direction, Daryl, Yes, But Dan, 873 00:44:48.679 --> 00:44:51.199 as far as the house goes as far as the 874 00:44:51.239 --> 00:44:54.400 house goes. He can't do a beneficiary's deed right now, 875 00:44:54.480 --> 00:44:58.719 unless I mean, if I mean he could, Yeah, I 876 00:44:58.760 --> 00:45:02.400 mean you're the sister would have to sign it, because 877 00:45:02.400 --> 00:45:03.920 she's the power of attorney. 878 00:45:04.760 --> 00:45:06.880 Only if that power of attorney gives her authority to 879 00:45:06.880 --> 00:45:09.320 do estate planning for on the mom's behalf. It's got 880 00:45:09.320 --> 00:45:10.760 to explicitly give her that power. 881 00:45:10.920 --> 00:45:14.719 And okay, so it depends on the power of the 882 00:45:15.039 --> 00:45:16.559 of the attorney, the. 883 00:45:16.519 --> 00:45:17.280 Power of attorney. 884 00:45:18.599 --> 00:45:21.440 Well, right now, the power attorney is just what it 885 00:45:21.639 --> 00:45:26.400 was over her finances because I got my attorney got 886 00:45:26.519 --> 00:45:30.760 through the courts an emergency conservatorship on my behalf so 887 00:45:30.920 --> 00:45:33.320 I could least try to go into the accounts to 888 00:45:33.360 --> 00:45:36.039 figure out what's going on. But the banks started giving 889 00:45:36.039 --> 00:45:38.119 me trouble and they start saying, well, why in your 890 00:45:38.119 --> 00:45:40.599 attorney doing this? You know, why are you doing this? 891 00:45:40.920 --> 00:45:43.320 So I never did get too far with the attorneys. 892 00:45:43.320 --> 00:45:44.760 I didn't get the did. 893 00:45:44.719 --> 00:45:47.440 It expire the temporary expire. 894 00:45:48.199 --> 00:45:50.639 It expired, then it was given back to me and 895 00:45:50.719 --> 00:45:51.599 we go to course. 896 00:45:51.639 --> 00:45:53.760 Okay, so right now, let me get this straight, Darryl. 897 00:45:54.199 --> 00:45:57.599 Right now, you have a temporary conservatorship right now. 898 00:45:58.079 --> 00:45:59.079 Yes, I do, Yes, I do. 899 00:45:59.360 --> 00:46:01.920 Okay, Man, you should have told me that upfront, because 900 00:46:01.960 --> 00:46:04.800 here's why, Dan McKenzie. He can go and get a 901 00:46:04.800 --> 00:46:10.239 complete accounting of that pension right now. Accountyp yep, Darryl, 902 00:46:10.559 --> 00:46:14.440 you can contact the pension company with that, with that conservatorship. 903 00:46:15.239 --> 00:46:17.719 Is there a Dan, how do you approve you have 904 00:46:17.760 --> 00:46:20.679 a conservatorship? Does he have a certificate of something that 905 00:46:20.679 --> 00:46:22.599 he can show the pension company? 906 00:46:23.400 --> 00:46:27.400 Yeah, he gets you should have emergency letters conservatives knowing 907 00:46:27.400 --> 00:46:28.400 that he is the cost. 908 00:46:29.039 --> 00:46:31.559 All right, here's what you do, Darryl or no, I'm 909 00:46:31.559 --> 00:46:34.079 not going to say here's what you do. We can't 910 00:46:34.119 --> 00:46:37.039 give you legal advice. He's on the error as an expert, 911 00:46:37.280 --> 00:46:40.039 and and I'm a host. But here's what we are saying. 912 00:46:40.239 --> 00:46:43.719 If it was me and Dan was advising me, I 913 00:46:43.760 --> 00:46:47.400 would go with that temporary conservatorship and take advantage of it. 914 00:46:47.679 --> 00:46:49.920 I would I would write right away. 915 00:46:50.559 --> 00:46:53.440 I would go back and demand a full accounting of 916 00:46:53.480 --> 00:46:57.519 that pension. That pension is wallpapered by law. They have 917 00:46:57.719 --> 00:47:00.760 every dime going in, every dime coming out. And if 918 00:47:00.760 --> 00:47:03.880 she cashed it out, and if she made herself a beneficiary, 919 00:47:04.760 --> 00:47:07.559 and then she could have done anything. 920 00:47:07.920 --> 00:47:08.480 So that's the. 921 00:47:08.440 --> 00:47:11.679 First thing you do. The second thing I want to 922 00:47:11.679 --> 00:47:15.239 ask Dan McKenzie. Does he have now that he has 923 00:47:15.280 --> 00:47:19.159 a conservatorship, though it be temporary, does he have the 924 00:47:19.239 --> 00:47:21.800 right to use that to do a beneficiary deed? 925 00:47:24.400 --> 00:47:26.039 Oh gosh, I don't know. 926 00:47:26.320 --> 00:47:29.360 Actually, I mean, I think conservativeship probably is limited to 927 00:47:29.719 --> 00:47:32.800 in some way just to do whatever the emergency addressed 928 00:47:32.840 --> 00:47:34.880 the emergency. And I don't know if a beneficiary deed 929 00:47:34.960 --> 00:47:36.320 is really an emergency issue. 930 00:47:37.159 --> 00:47:41.519 Well, but it could be a fiduciary item where he says, 931 00:47:42.079 --> 00:47:44.519 I am leaving this house to my sister and me 932 00:47:45.360 --> 00:47:46.760 for the benefit of the estate. 933 00:47:47.039 --> 00:47:48.159 Who would object to it? 934 00:47:49.119 --> 00:47:52.599 Would Does sister object Daryl to a beneficiary deed naming 935 00:47:52.639 --> 00:47:53.119 both of you? 936 00:47:55.159 --> 00:47:57.199 I don't know. At this point, she's so well, well, well, 937 00:47:57.280 --> 00:47:57.880 let me ask you. 938 00:47:57.960 --> 00:48:00.360 Does she think she's entitled to everything? 939 00:48:01.199 --> 00:48:03.719 Yes, she thinks she's entitled to everything. 940 00:48:04.079 --> 00:48:05.199 Why Why is that. 941 00:48:06.679 --> 00:48:11.440 Because she because she makes more money? I guess. 942 00:48:12.199 --> 00:48:13.800 Okay, listen to harrol Idea. 943 00:48:14.000 --> 00:48:16.559 She's because she said, she said, well, I'm can't afford 944 00:48:16.599 --> 00:48:18.079 this house. I'm going to have to come over there 945 00:48:18.119 --> 00:48:20.960 and and and help out with the with the uh, 946 00:48:21.280 --> 00:48:23.199 with the with the upkeep of the house. 947 00:48:23.440 --> 00:48:26.239 Is the house paid off, Darryl? Is the house? 948 00:48:27.199 --> 00:48:28.239 It is paid off off? 949 00:48:28.519 --> 00:48:30.719 And she was trying to make me pay rent at 950 00:48:30.719 --> 00:48:33.119 the same time. And I moved Why do I moved 951 00:48:33.159 --> 00:48:36.440 into the I moved in five years before she came there. 952 00:48:37.199 --> 00:48:39.599 So how long have you been living with your mom? 953 00:48:40.199 --> 00:48:44.519 I've been living with my mom since two thoy fifteen sixteen. 954 00:48:45.159 --> 00:48:50.199 The same time the pension went missing, right well, and 955 00:48:50.320 --> 00:48:53.719 your sister can blame you. Look at do me a favor, Daryl. 956 00:48:53.880 --> 00:48:57.039 We this just gets getting deeper and deeper, and you 957 00:48:57.159 --> 00:49:00.239 keep telling us new stuff like, for example, I have 958 00:49:00.320 --> 00:49:03.360 led with I have a temporary conservativeship with my mother 959 00:49:03.440 --> 00:49:07.239 that I'm living with. I mean, that's really so ask 960 00:49:07.239 --> 00:49:09.480 your attorney please, because I can't talk to him. I 961 00:49:09.480 --> 00:49:11.559 don't know if your attorney's doing good or bad. But 962 00:49:11.599 --> 00:49:14.000 the attorney did not give you bad advice as far 963 00:49:14.000 --> 00:49:16.639 as opening up a conservatorship. But now you got to 964 00:49:16.760 --> 00:49:20.119 use the powers of that conservatorship to find out one 965 00:49:20.159 --> 00:49:23.079 thing at a time. Find out what happened to the pension. 966 00:49:23.400 --> 00:49:26.639 Contact that company. Your attorney should write a letter to 967 00:49:26.679 --> 00:49:29.800 them and give a copy of the conservatorship and help 968 00:49:29.840 --> 00:49:32.639 you with this. Okay, he needs to help you with 969 00:49:32.679 --> 00:49:35.079 things like this. We got more coming up on the 970 00:49:35.079 --> 00:49:37.679 Troubleshooter Show. Fix at twenty four to seven to deep clean, 971 00:49:37.760 --> 00:49:39.559 tune and check of your furnace if you haven't. 972 00:49:39.360 --> 00:49:41.360 Had it done thirty nine bucks two hours. 973 00:49:41.360 --> 00:49:44.599 They stay at your house and they practic practically refurbish 974 00:49:44.719 --> 00:49:47.440 everything and if you ever need a replacement of anything, 975 00:49:47.559 --> 00:49:50.440 and anyone tells you that they do, free second opinions. 976 00:49:50.920 --> 00:49:53.159 Fix Myhome dot com book now. 977 00:49:57.519 --> 00:50:01.480 Go with a sure thing Denver's best rufer Exelroofing dot com. 978 00:50:01.519 --> 00:50:03.519 You don't pay a cent until you're content. 979 00:50:06.920 --> 00:50:10.480 Time for an insurance checkup free no obligation comparison call 980 00:50:10.559 --> 00:50:13.880 Compass Insurance paying too much your coverage at dozens of 981 00:50:13.920 --> 00:50:16.840 insurance companies find out now three oh three seven seven 982 00:50:16.880 --> 00:50:19.639 to one help. You'll think you're his only customer when 983 00:50:19.679 --> 00:50:22.159 you choose Frank durand the real estate Man dot com 984 00:50:22.159 --> 00:50:25.320 to list your home with Remax Alliance three oh three 985 00:50:25.400 --> 00:50:27.519 nine two zero sixteen twenty two. 986 00:50:28.599 --> 00:50:31.599 Hi Tom Martino here Drew seven one three eight two 987 00:50:32.000 --> 00:50:37.519 five Let's keep going here and surely wants to talk 988 00:50:37.519 --> 00:50:40.360 about service and sales on a Cadillact. 989 00:50:40.760 --> 00:50:42.199 This is a pretty new Cadillact. 990 00:50:42.519 --> 00:50:42.840 Shirley. 991 00:50:42.920 --> 00:50:43.760 Did you buy it new? 992 00:50:45.000 --> 00:50:45.199 Hey? 993 00:50:45.280 --> 00:50:47.280 Yes, I did, Shirley. 994 00:50:47.440 --> 00:50:50.119 Where did you buy it from? 995 00:50:50.239 --> 00:50:54.360 Automation Dodge on Eastern rapa Home? 996 00:50:55.440 --> 00:50:57.679 Okay, man, we get a lot of complaints. Mark, have 997 00:50:57.760 --> 00:50:59.199 you noticed about that dealership? 998 00:51:02.000 --> 00:51:02.360 Really? 999 00:51:02.480 --> 00:51:02.760 Great? 1000 00:51:03.039 --> 00:51:08.519 Well no, no, we get that particular dealership, that particular dealership. 1001 00:51:09.000 --> 00:51:11.639 So tell me the issue. 1002 00:51:11.679 --> 00:51:15.639 You bought a new twenty twenty four Cadillac and what's 1003 00:51:15.679 --> 00:51:16.079 going on? 1004 00:51:16.159 --> 00:51:16.920 They used them? 1005 00:51:17.639 --> 00:51:21.719 It's a used one. It had oh use weet twenty 1006 00:51:21.760 --> 00:51:25.280 one thousand miles on it. It's a twenty twenty four 1007 00:51:27.719 --> 00:51:35.880 traded in a twenty twenty one Grand Jeep Cherokee. The 1008 00:51:36.000 --> 00:51:40.119 price of the car, the Cadillac was thirty seven five. 1009 00:51:41.360 --> 00:51:45.000 They gave us twenty seven five for a tradeing of 1010 00:51:45.039 --> 00:51:48.559 the jeep, so that meant we had to come up 1011 00:51:48.599 --> 00:51:50.920 with thirty or eleven thousand some. 1012 00:51:52.119 --> 00:51:54.239 Which So how much did you get? How much did 1013 00:51:54.280 --> 00:51:55.119 you get for that jeep? 1014 00:51:57.599 --> 00:51:57.800 Oh? 1015 00:51:59.440 --> 00:52:01.719 No, what did we get for originally? 1016 00:52:02.559 --> 00:52:02.639 No? 1017 00:52:02.800 --> 00:52:06.000 What did you what did they give you on your trade? 1018 00:52:05.559 --> 00:52:05.599 You? 1019 00:52:06.000 --> 00:52:07.079 Twenty seven five? 1020 00:52:07.719 --> 00:52:10.079 Okay, yeah, you said that. I didn't get it. So 1021 00:52:10.280 --> 00:52:12.440 then on that twenty seven to five, did you have 1022 00:52:12.480 --> 00:52:12.840 a loan? 1023 00:52:14.360 --> 00:52:15.239 No? 1024 00:52:15.239 --> 00:52:18.679 No, okay, okay, keep. 1025 00:52:18.519 --> 00:52:23.519 Going, okay, So we had to give them in turn 1026 00:52:24.119 --> 00:52:31.719 eleven thousand some odd dollars, which was fine, no problem, right, 1027 00:52:32.039 --> 00:52:35.159 except there were start right from the beginning, there were 1028 00:52:35.199 --> 00:52:37.639 some red flags and I we kind of ignored them. 1029 00:52:37.679 --> 00:52:42.559 But when we first started in on the process, we 1030 00:52:44.400 --> 00:52:45.280 are here, how. 1031 00:52:47.360 --> 00:52:49.039 We give me general start? 1032 00:52:49.639 --> 00:52:53.840 They started the process and in the stack of papers 1033 00:52:53.880 --> 00:52:56.079 to show you what all is going to happen and whatnot, 1034 00:52:56.800 --> 00:53:03.320 in that pile was the warranty and it said no warranty, 1035 00:53:03.679 --> 00:53:08.679 huge letters, no warranty. Well I went, I said, why 1036 00:53:08.719 --> 00:53:12.400 on earth would it have warranty? And he said, oh, 1037 00:53:12.559 --> 00:53:15.199 never mind that, and he just took it, took out 1038 00:53:15.239 --> 00:53:21.119 a new warranty and marked it. Yes, okay, okay, all right, 1039 00:53:21.159 --> 00:53:23.440 So immediately I he marked. 1040 00:53:23.199 --> 00:53:27.480 It on the contract, on the purchase contract where it 1041 00:53:27.559 --> 00:53:30.599 showed thirty seven to five minus twenty seven to five 1042 00:53:31.079 --> 00:53:33.800 a balance due of ten grand, and then on the 1043 00:53:33.840 --> 00:53:40.760 contract it says warranty, yes, yes, yes, okay. You know 1044 00:53:40.840 --> 00:53:42.880 I can talk to your husband if you want me to. 1045 00:53:43.199 --> 00:53:45.039 I can talk to him because I know he's behind 1046 00:53:45.079 --> 00:53:48.679 you or you know, whichever is easier, So go ahead. 1047 00:53:48.840 --> 00:53:52.599 So warranty marked, yes, go ahead, Yes, So. 1048 00:53:52.599 --> 00:53:54.239 They changed it and we did have a warranty. 1049 00:53:54.599 --> 00:53:57.039 So I felt, did you know did you know what 1050 00:53:57.119 --> 00:53:57.800 kind of warranty? 1051 00:53:57.840 --> 00:54:00.920 I mean a warranty could be like five miles. I 1052 00:54:00.920 --> 00:54:04.239 mean when it said warranty, yes, what kind of warranty? 1053 00:54:06.079 --> 00:54:11.519 Five years? No, five days or two hundred and fifty miles. 1054 00:54:11.960 --> 00:54:14.280 Okay, So you know that for sure that's the warranty 1055 00:54:14.320 --> 00:54:15.000 that was giving you. 1056 00:54:15.800 --> 00:54:17.400 Yes, yeah, five. 1057 00:54:17.239 --> 00:54:20.280 Days or two hundred and fifty miles. Okay, So keep 1058 00:54:20.280 --> 00:54:22.440 going with your well, keep going with your story. 1059 00:54:23.320 --> 00:54:23.760 Okay. 1060 00:54:24.039 --> 00:54:28.880 So then I'm thinking, okay, I and originally I thought 1061 00:54:28.920 --> 00:54:33.079 it said five days or two hundred and fifty miles. Well, 1062 00:54:34.360 --> 00:54:37.079 we started having problems from day one, and by the 1063 00:54:37.159 --> 00:54:40.719 time we got it back okay, I'll start back. 1064 00:54:40.840 --> 00:54:43.280 It is it is five days or two hundred and 1065 00:54:43.280 --> 00:54:46.079 fifty miles, whichever is shorter. That's the way it is 1066 00:54:46.119 --> 00:54:48.719 in every warranty in the world. And it would have 1067 00:54:48.760 --> 00:54:50.159 clearly would. 1068 00:54:49.920 --> 00:54:52.320 Have clearly said that in your document, and I'll guarantee 1069 00:54:52.360 --> 00:54:52.719 it does. 1070 00:54:54.559 --> 00:54:58.119 Okay. Well, that's what we kept thinking, and he said No, 1071 00:54:59.239 --> 00:55:02.320 it had to be both. It had to be under 1072 00:55:02.559 --> 00:55:06.440 or on the fifth day. And yeah, only yes, only 1073 00:55:06.480 --> 00:55:07.400 two fifty miles. 1074 00:55:07.440 --> 00:55:09.679 Right, Well, were what a name is? 1075 00:55:09.800 --> 00:55:13.079 Surely surely if it's over two hundred and fifty miles 1076 00:55:13.400 --> 00:55:16.400 and it's the third day, you're out of a warranty. 1077 00:55:16.639 --> 00:55:20.079 It either triggers in five days or it triggers at 1078 00:55:20.079 --> 00:55:21.199 two hundred and fifty. 1079 00:55:20.960 --> 00:55:23.880 Miles, whichever is sooner. You don't have two. 1080 00:55:23.719 --> 00:55:26.679 Deadlines, you have one depending on when it happens. So 1081 00:55:26.960 --> 00:55:31.519 the first five days you have coverage unless you hit 1082 00:55:31.800 --> 00:55:34.519 two hundred and fifty miles. So are you saying you 1083 00:55:34.599 --> 00:55:37.519 had a problem within the first five days but the 1084 00:55:37.559 --> 00:55:38.599 warranty expired. 1085 00:55:39.760 --> 00:55:41.960 Yes, if that's the case. 1086 00:55:42.199 --> 00:55:51.559 Okay, what is the problem that surfaced. 1087 00:55:47.199 --> 00:55:50.519 The day started rattling on our way home? 1088 00:55:50.800 --> 00:55:51.760 What did it? 1089 00:55:51.920 --> 00:55:53.360 What did it end up being? And I want to 1090 00:55:53.360 --> 00:55:55.840 go right to the bad part. What problem did it 1091 00:55:55.920 --> 00:55:56.559 end up having? 1092 00:55:57.880 --> 00:56:00.559 Okay, So when I got home, I called back, can. 1093 00:56:00.559 --> 00:56:02.639 You tell me? Can you tell me what the problem is? 1094 00:56:02.760 --> 00:56:05.000 Get right to the part where it was diagnosed and 1095 00:56:05.039 --> 00:56:05.840 they turned it down. 1096 00:56:06.559 --> 00:56:09.199 What's the problem. 1097 00:56:09.519 --> 00:56:10.519 I don't understand that. 1098 00:56:11.920 --> 00:56:15.239 You don't understand the question it's the most basic question 1099 00:56:15.320 --> 00:56:17.880 in the world. You're calling me because your new car 1100 00:56:17.920 --> 00:56:20.760 had a problem. I'm asking what the problem was that 1101 00:56:20.800 --> 00:56:21.800 they would not cover. 1102 00:56:22.039 --> 00:56:24.280 Did did the warranty turn you down? Let me let 1103 00:56:24.280 --> 00:56:25.800 me start there. Did they turn you down? 1104 00:56:27.039 --> 00:56:27.280 No? 1105 00:56:27.800 --> 00:56:30.920 They had me bring it back, okay, And then we 1106 00:56:31.199 --> 00:56:34.719 did the which I did the very next day, day two, 1107 00:56:36.119 --> 00:56:39.719 we took it back to have have. They said to 1108 00:56:39.719 --> 00:56:42.960 bring it back and we'll fix it, which was fine. 1109 00:56:43.079 --> 00:56:43.440 All right. 1110 00:56:43.480 --> 00:56:46.480 So now we're on day two and. 1111 00:56:46.599 --> 00:56:48.639 I don't I want to try not to go through 1112 00:56:48.639 --> 00:56:51.000 each and every day. Could you just tell me what 1113 00:56:51.039 --> 00:56:54.440 you're calling about. Listen, surely I'm interested in this, trust me. 1114 00:56:54.480 --> 00:56:57.840 I just want to get to the problem, the problem. 1115 00:56:58.039 --> 00:57:01.039 Then we work backwards. What is the problem that had 1116 00:57:01.039 --> 00:57:03.400 you call us today? 1117 00:57:03.440 --> 00:57:06.199 It was still rattling after they said they fixed it. 1118 00:57:06.559 --> 00:57:10.760 Okay. Now the rattling. Is this rattling in the dash itself, 1119 00:57:10.840 --> 00:57:13.360 like a mechanical rattle or does it sound like it's 1120 00:57:13.400 --> 00:57:15.239 coming from the engine. 1121 00:57:15.559 --> 00:57:20.320 No, it came from, of all things, where the sunglass 1122 00:57:20.360 --> 00:57:24.800 holder is on the dash. It was rattling and it 1123 00:57:24.880 --> 00:57:28.119 was making this horrible noise. So we took it back 1124 00:57:28.159 --> 00:57:34.159 and they said, yeah, we fixed it, didn't didn't fix it. 1125 00:57:34.280 --> 00:57:37.639 And the dashlights there were two dashlights that kept coming 1126 00:57:37.679 --> 00:57:43.199 on so while and this was while it was under warranty, 1127 00:57:43.320 --> 00:57:45.679 right absolutely. 1128 00:57:45.159 --> 00:57:49.239 Yes, Okay, good because if they can't fix something under 1129 00:57:49.239 --> 00:57:54.239 warranty and the warranty expires, that one item is still. 1130 00:57:54.039 --> 00:57:56.400 They still have to fix it. But I got to 1131 00:57:56.440 --> 00:57:58.280 give you some bad news. 1132 00:57:58.360 --> 00:58:00.480 And the bad news is that rattle may not have 1133 00:58:00.519 --> 00:58:02.800 been covered to begin with. It may have been an 1134 00:58:02.800 --> 00:58:07.159 exclusion because usually noises and rattles are not covered. 1135 00:58:07.480 --> 00:58:09.719 That's why I asked you if it was. 1136 00:58:11.119 --> 00:58:14.480 A structural thing with the engine or the transmission or 1137 00:58:14.519 --> 00:58:18.400 the drive train, or was it cosmetic like like you said, 1138 00:58:18.400 --> 00:58:20.920 the mirror, the dash None of that will be covered 1139 00:58:21.000 --> 00:58:25.239 under a warranty. 1140 00:58:23.320 --> 00:58:27.199 Even like the light. The lights that flashed on that say. 1141 00:58:28.880 --> 00:58:32.159 Caution, Well, if you have an idiot light come on, 1142 00:58:33.159 --> 00:58:36.280 they should investigate the cause of that. But remember you 1143 00:58:36.280 --> 00:58:38.679 had a right to investigate the cause of that as well. 1144 00:58:39.039 --> 00:58:41.280 So what did it turn out to be? The lights 1145 00:58:41.320 --> 00:58:41.719 going on? 1146 00:58:43.239 --> 00:58:45.960 They never told us. They told us to bring it back. 1147 00:58:46.280 --> 00:58:47.760 D What did you want to say? Go ahead, just 1148 00:58:47.800 --> 00:58:48.840 hold on, de go ahead? 1149 00:58:49.039 --> 00:58:51.519 Sureley? How many miles do you have in this Cadillac. 1150 00:58:53.000 --> 00:58:54.960 Thirty good? 1151 00:58:55.079 --> 00:58:57.559 Okay, good answer, that's okay, okay, you got to keep going. 1152 00:58:57.599 --> 00:59:00.639 According to the Internet, the twenty four Cadillac Acts comes 1153 00:59:00.719 --> 00:59:03.119 with a four year, fifty thousand mile bumper to bumper 1154 00:59:03.159 --> 00:59:04.679 warranty from the manufacturer. 1155 00:59:04.679 --> 00:59:06.519 Well, it may not be transferable in this case. 1156 00:59:06.559 --> 00:59:08.559 Well, I've never heard of a bumper to bumper warranty 1157 00:59:08.599 --> 00:59:09.400 that's not transferable. 1158 00:59:09.400 --> 00:59:10.400 I've heard of plenty of them. 1159 00:59:10.519 --> 00:59:12.159 First of all, if they don't do it in a 1160 00:59:12.199 --> 00:59:15.920 certified fashion acceptable to the manufacturer, the certification does not 1161 00:59:16.000 --> 00:59:19.480 carry through the secondary owner. Also, there's another one, and 1162 00:59:19.519 --> 00:59:22.559 that is if that particular car was a Lemon buyback, 1163 00:59:23.679 --> 00:59:26.719 you don't get the you don't get the extension and mark. 1164 00:59:26.800 --> 00:59:28.920 There are a number of others that Hyundai has. Right 1165 00:59:28.960 --> 00:59:32.360 conditions before bumper to bumper, it's all. It is what 1166 00:59:32.400 --> 00:59:34.519 it is most of the time. On bumper to bumper 1167 00:59:34.559 --> 00:59:36.559 it is what it is, but on the power train. 1168 00:59:36.639 --> 00:59:38.480 But it has to be certified right. 1169 00:59:38.599 --> 00:59:41.800 Well, and I agree with you answering, no, I would love. 1170 00:59:41.679 --> 00:59:45.239 It if she has a manufacturer. Surely he's saying you 1171 00:59:45.239 --> 00:59:46.840 have a manufacturer's warranty, right. 1172 00:59:46.840 --> 00:59:49.519 Now and she can find out for sure whether the 1173 00:59:49.559 --> 00:59:53.159 warranty is an effect and what the dashboard warnings are for, 1174 00:59:53.199 --> 00:59:55.559 because that sounds more serious than a rattle. With a 1175 00:59:55.599 --> 00:59:58.719 simple trip to the Cadillac dealership. Are you are you 1176 00:59:58.840 --> 00:59:59.960 costing nothing to stop? 1177 01:00:01.199 --> 01:00:03.639 Have you gone to a genuine Cadillac dealership? 1178 01:00:04.880 --> 01:00:07.920 No, because we don't have one in our area. Where 1179 01:00:07.920 --> 01:00:11.280 do you live in Yuma, Colorado? 1180 01:00:11.920 --> 01:00:14.400 Okay, Well, it doesn't matter that there isn't one. You 1181 01:00:14.440 --> 01:00:16.440 have to find one, and you have to have them 1182 01:00:16.519 --> 01:00:18.920 take your VIN number. They run your VEN number to 1183 01:00:18.960 --> 01:00:22.559 make sure that there are warranties or not, and and 1184 01:00:22.559 --> 01:00:23.519 and then once you know. 1185 01:00:23.559 --> 01:00:26.119 You can even call up talk to the service department 1186 01:00:26.280 --> 01:00:28.760 and say, hey, I just bought this, tell me about 1187 01:00:28.760 --> 01:00:30.199 the warranty, and then get it right. 1188 01:00:30.320 --> 01:00:32.920 They can look up you're right, Mark, She can do 1189 01:00:32.960 --> 01:00:34.800 that by phone and they can look up your VIN. 1190 01:00:36.199 --> 01:00:38.400 How far is Yuma from Denver's? 1191 01:00:38.400 --> 01:00:38.679 Probably? 1192 01:00:40.880 --> 01:00:41.159 Wow? 1193 01:00:41.400 --> 01:00:45.639 And so okay, would Denver be the closest place? 1194 01:00:48.920 --> 01:00:50.000 Yeah, pretty much. 1195 01:00:52.199 --> 01:00:55.199 Okay, why don't you call a Cadillac dealer to be with, 1196 01:00:55.320 --> 01:00:57.239 given your VIN number and see if it's still under 1197 01:00:57.239 --> 01:00:59.360 warranty and tell them you bought it used. Tell them 1198 01:00:59.360 --> 01:01:02.119 the story. Don't tell the story about your problems. Just 1199 01:01:02.239 --> 01:01:05.159 say I'm looking for a place to service my Cadillac. 1200 01:01:05.519 --> 01:01:09.199 I bought it twenty twenty four with you know how 1201 01:01:09.239 --> 01:01:12.920 many miles on it, and I'm looking to get it serviced. 1202 01:01:13.039 --> 01:01:15.679 Is it's still under factory warranty? And if it is, 1203 01:01:16.000 --> 01:01:17.599 your problems are solved. 1204 01:01:18.039 --> 01:01:20.599 Oh, by the way, there is a Cadillac dealership in Greeley. 1205 01:01:20.880 --> 01:01:22.079 It's called Cadillac. 1206 01:01:22.320 --> 01:01:25.719 Yeah, Greeley the same amount as Dry. 1207 01:01:25.840 --> 01:01:28.199 If it's the same amount, avoid Greeley like you would 1208 01:01:28.239 --> 01:01:31.599 avoid herpes in open sore herpes. 1209 01:01:31.800 --> 01:01:32.599 Avoid Greeley. 1210 01:01:32.920 --> 01:01:36.920 So Tom, Hey, Tom, I'm well familiar with Rickenbaugh Cadillac. 1211 01:01:36.960 --> 01:01:41.719 It is a phenomenal dealership and that would be back Collins, right, No, Rick, Well, 1212 01:01:42.639 --> 01:01:46.079 but they're right downtown Denver office Spear great great dealer, 1213 01:01:46.159 --> 01:01:47.000 Mark Schimanski. 1214 01:01:47.119 --> 01:01:49.159 You've had personal experience with them? Yes? 1215 01:01:49.199 --> 01:01:49.519 I have? 1216 01:01:49.840 --> 01:01:50.559 Okay, good? 1217 01:01:50.960 --> 01:01:53.199 So the warranty Mark just for five days, two hundred 1218 01:01:53.199 --> 01:01:55.360 and fifty miles. The problem with the dash rattling, and 1219 01:01:55.440 --> 01:01:57.320 the dealer took it back and said they fixed it, 1220 01:01:57.360 --> 01:02:00.199 but they didn't. That's it in a nutshell, right, How 1221 01:02:00.199 --> 01:02:02.519 bad is it right now? How bad is it right now? 1222 01:02:03.360 --> 01:02:05.280 Well, if the lights are still coming on and the 1223 01:02:05.360 --> 01:02:09.880 rattle's still there, and we can fix the rattle by 1224 01:02:10.280 --> 01:02:13.320 holding the glasses holder. 1225 01:02:14.320 --> 01:02:16.280 You could just yeah, I'm sure it's one of those 1226 01:02:16.280 --> 01:02:19.039 metal clips. Well then then it has less than thirty 1227 01:02:19.039 --> 01:02:20.400 six thousand miles though. 1228 01:02:20.320 --> 01:02:26.960 Right, yes, absolutely, and we called them on day five. 1229 01:02:27.239 --> 01:02:29.719 Okay, listen, it's we get back. 1230 01:02:30.599 --> 01:02:31.079 We can't. 1231 01:02:31.840 --> 01:02:34.639 You can't return the car. I mean, it's a warranty. 1232 01:02:34.800 --> 01:02:36.880 It's not a guaranteed refund or is it. 1233 01:02:36.920 --> 01:02:40.920 Is it a guaranteed refund for five days? 1234 01:02:40.920 --> 01:02:41.719 For five days? 1235 01:02:41.760 --> 01:02:44.159 It should be no, not if you went over two 1236 01:02:44.239 --> 01:02:46.280 hundred and fifty miles. Did you go over two hundred 1237 01:02:46.280 --> 01:02:50.679 and fifty miles? Yes, Well, then it's not that your 1238 01:02:51.079 --> 01:02:53.760 warranty expired at two hundred and fifty miles. 1239 01:02:54.039 --> 01:02:57.480 It's not five days. Listen. Let me give you an example. 1240 01:02:57.679 --> 01:03:00.000 When you take it from the factory, and let's say 1241 01:03:00.079 --> 01:03:02.400 you get a three year, thirty six thousand mile warranty, 1242 01:03:02.880 --> 01:03:05.760 you don't have if you put two hundred thousand miles 1243 01:03:05.800 --> 01:03:07.920 in that car, you're not going to have a warranty 1244 01:03:07.960 --> 01:03:09.000 for the next three years. 1245 01:03:09.719 --> 01:03:12.519 It doesn't work. That way. Everybody in the world knows that. 1246 01:03:12.960 --> 01:03:14.840 I don't know why you think you have five dais 1247 01:03:15.000 --> 01:03:15.599 retired car. 1248 01:03:15.679 --> 01:03:16.280 Great brother. 1249 01:03:16.719 --> 01:03:19.000 Okay, let's take this break. Then we got more coming up. 1250 01:03:23.440 --> 01:03:26.719 Go with a sure thing Denver's best roofer Excel Roofing 1251 01:03:26.800 --> 01:03:27.400 dot com. 1252 01:03:27.440 --> 01:03:29.480 You don't pay a cent until you're content. 1253 01:03:32.840 --> 01:03:36.400 Time for an insurance checkup free, no obligation comparison call 1254 01:03:36.480 --> 01:03:39.800 Compass Insurance paying too much your coverage at dozens of 1255 01:03:39.840 --> 01:03:42.760 insurance companies find out now three O three seven seven 1256 01:03:42.800 --> 01:03:43.039 to one. 1257 01:03:43.159 --> 01:03:43.440 Help. 1258 01:03:43.559 --> 01:03:46.199 You'll think you're his only customer when you choose Frank 1259 01:03:46.280 --> 01:03:48.719 durand the real estate Man dot com to list your 1260 01:03:48.760 --> 01:03:51.880 home with Remax Alliance three oh three nine two zero 1261 01:03:52.039 --> 01:03:53.000 sixteen twenty two. 1262 01:03:56.079 --> 01:03:58.880 Hi Tom Martino here, Welcome to the show. 1263 01:03:59.400 --> 01:04:03.199 Okay, by the way, somebody did text me about a 1264 01:04:03.239 --> 01:04:07.880 dealership being pretty close to her. Well, I don't know 1265 01:04:07.920 --> 01:04:11.920 if pretty close, but they said Vince's GM Center in Burlington. 1266 01:04:12.920 --> 01:04:16.559 How much closer? Is Burlington? Much closer? 1267 01:04:17.440 --> 01:04:22.039 Okay, so they're closer to Huma than Greeley or. 1268 01:04:21.920 --> 01:04:25.280 Denver, So she might want to check that. But we 1269 01:04:25.360 --> 01:04:28.800 have to take this one step at a time. Is 1270 01:04:28.840 --> 01:04:31.880 it under warranty from the factory. That would be great. 1271 01:04:33.159 --> 01:04:36.760 If it's under warranty from the dealer. If the dealer 1272 01:04:36.880 --> 01:04:41.480 never Let's put it this way, if the dealer never 1273 01:04:43.400 --> 01:04:46.400 checked the car and fixed it under warranty, that even 1274 01:04:46.440 --> 01:04:49.239 that five day warranty could be longer. So the argument 1275 01:04:49.280 --> 01:04:54.000 I would make is you never fixed the original problem. 1276 01:04:54.840 --> 01:04:58.000 It's still under warranty. Therefore I want to return the car. 1277 01:04:58.079 --> 01:05:03.519 But here's the problem. We don't know what the problem is. 1278 01:05:04.559 --> 01:05:06.480 She has a rattling in idiot lights. 1279 01:05:07.360 --> 01:05:11.599 So if I was her, I would take it to 1280 01:05:11.719 --> 01:05:15.920 another dealer and find out what's wrong with it. Then 1281 01:05:16.000 --> 01:05:19.800 go back and say, here's what's wrong with it. You 1282 01:05:19.840 --> 01:05:23.920 didn't fix it while it was under warranty, so fix 1283 01:05:23.960 --> 01:05:30.760 it now because that warranty was never satisfied. Okay, Charles, 1284 01:05:31.079 --> 01:05:33.320 you have a question about probate. Go ahead, Charles. 1285 01:05:34.880 --> 01:05:38.199 Oh yeah, Tom, I need a referral for a probat attorney. 1286 01:05:39.000 --> 01:05:42.679 Okay, I can give you one. Dan Mackenzie. He was 1287 01:05:42.719 --> 01:05:46.000 just on the show earlier answering questions. He's a good guy, 1288 01:05:46.800 --> 01:05:50.159 mackenzie law and I'll give you his number in a second. 1289 01:05:50.159 --> 01:05:51.360 Tell me what the problem is. 1290 01:05:54.920 --> 01:06:00.039 My partner passed away and we had a will and 1291 01:06:00.960 --> 01:06:02.199 the judge voided it. 1292 01:06:03.119 --> 01:06:08.119 Now the partner. Was this a conventional marriage or you 1293 01:06:08.239 --> 01:06:09.239 just somebody you lived with? 1294 01:06:11.760 --> 01:06:13.880 We lived together, and you've. 1295 01:06:13.760 --> 01:06:16.920 Held yourself out. Did you hold yourself out as husband 1296 01:06:16.920 --> 01:06:20.119 and wife? Like introduced her as your wife or your husband? 1297 01:06:20.559 --> 01:06:23.280 I don't know, you know, did you do it that way? 1298 01:06:23.480 --> 01:06:25.440 Did you guys consider yourself married? 1299 01:06:27.719 --> 01:06:28.280 Pretty much? 1300 01:06:28.400 --> 01:06:28.719 Yes? 1301 01:06:29.719 --> 01:06:30.159 Okay? 1302 01:06:30.880 --> 01:06:36.039 And why did the court void? And who your partner died? 1303 01:06:36.079 --> 01:06:39.719 I'm sorry about that. When did your partner die? 1304 01:06:40.159 --> 01:06:43.559 September twenty year, twenty twenty three. 1305 01:06:45.440 --> 01:06:48.239 Back in twenty twenty three. And then you tried to 1306 01:06:48.280 --> 01:06:49.119 open a probate? 1307 01:06:50.840 --> 01:06:51.199 Yes? 1308 01:06:52.280 --> 01:06:52.760 Okay? 1309 01:06:53.119 --> 01:06:55.239 And what happened when you tried to open a probate? 1310 01:06:56.119 --> 01:06:58.599 The judge wouldn't let you, or it opened and closed? 1311 01:06:59.239 --> 01:07:00.000 Tell me about that. 1312 01:07:01.880 --> 01:07:04.400 Oh, it opened, we went to trial. 1313 01:07:06.000 --> 01:07:10.320 And you went to trial. So this was for your 1314 01:07:10.360 --> 01:07:15.280 common law wife. You want to open a probate and 1315 01:07:15.320 --> 01:07:17.480 they would not let you. 1316 01:07:17.480 --> 01:07:18.280 No, they let me. 1317 01:07:19.679 --> 01:07:21.440 Why did they will? 1318 01:07:23.599 --> 01:07:25.400 It was a hearing type? 1319 01:07:25.960 --> 01:07:29.320 Yeah, okay, who is contesting it? I want to know 1320 01:07:29.400 --> 01:07:32.480 who is contesting the probate? I mean, usually if you 1321 01:07:32.519 --> 01:07:35.480 want to open a probate for your wife. Who's going 1322 01:07:35.559 --> 01:07:37.880 to protest? I mean, there's got to be someone who 1323 01:07:37.880 --> 01:07:40.639 thinks that they should have got that they should get. 1324 01:07:40.440 --> 01:07:43.760 The estate or something first, first, for discussion purposes, and 1325 01:07:43.800 --> 01:07:46.280 because we live in today's world. Are we talking about 1326 01:07:46.360 --> 01:07:46.880 a wife? 1327 01:07:49.199 --> 01:07:52.480 We were not married, but you're talking. 1328 01:07:52.199 --> 01:07:55.679 About a common law wife, someone that you introduced as 1329 01:07:55.679 --> 01:07:56.199 your wife. 1330 01:07:56.360 --> 01:07:59.280 You guys considered yourselves married. Is that correct? 1331 01:08:00.400 --> 01:08:00.760 Yes? 1332 01:08:01.599 --> 01:08:03.280 Did you co mingle finances? 1333 01:08:06.639 --> 01:08:08.159 We filed taxes together. 1334 01:08:08.679 --> 01:08:11.679 Good, you're married. Now here's the I'm just saying that 1335 01:08:11.719 --> 01:08:13.840 in a quick review. I don't I don't want to 1336 01:08:13.880 --> 01:08:15.719 give you legal advice on that, but I assume that 1337 01:08:15.719 --> 01:08:18.880 you were common law married. Now, your common law wife 1338 01:08:18.960 --> 01:08:19.920 died in. 1339 01:08:19.960 --> 01:08:25.000 Twenty twenty two, twenty three, twenty. 1340 01:08:24.720 --> 01:08:27.279 Twenty three, and then you went to the courts win 1341 01:08:27.680 --> 01:08:29.119 to open probate. 1342 01:08:31.159 --> 01:08:35.359 A week after and then it was opened. Why was 1343 01:08:35.399 --> 01:08:36.239 it challenged? 1344 01:08:38.520 --> 01:08:39.800 The daughter challenged it. 1345 01:08:40.119 --> 01:08:42.720 Okay, that's see. Now That's what I was getting at 1346 01:08:43.720 --> 01:08:46.159 is this is not your daughter. This is her daughter. 1347 01:08:46.279 --> 01:08:48.880 We got a break, brother, Okay, hold on, we'll come 1348 01:08:48.960 --> 01:08:49.479 right back to you. 1349 01:08:49.520 --> 01:08:55.439 Wait a minute, go with a sure thing. Denver's best 1350 01:08:55.520 --> 01:08:58.399 roofer Excel roofing dot com. You don't pay a cent 1351 01:08:58.600 --> 01:09:05.399 until you're content. Time for an insurance checkup free, no obligation. 1352 01:09:05.520 --> 01:09:09.399 Comparison call Compass Insurance paying too much your coverage at 1353 01:09:09.439 --> 01:09:12.199 dozens of insurance companies find out now three oh three 1354 01:09:12.319 --> 01:09:14.920 seven seven to one help. You'll think you're his only 1355 01:09:15.000 --> 01:09:17.479 customer when you choose Frank durand the real estate Man 1356 01:09:17.520 --> 01:09:20.920 dot com to list your home with Remax Alliance three 1357 01:09:21.000 --> 01:09:23.079 oh three nine two zero sixteen twenty two. 1358 01:09:23.960 --> 01:09:27.039 Hi Tom Martino here three O three seven one three 1359 01:09:27.119 --> 01:09:31.319 eight two five five. So, uh, we're uh, let's take 1360 01:09:31.359 --> 01:09:36.600 another problem here, and uh, we're just going to have 1361 01:09:36.680 --> 01:09:42.720 to Charles this probate thing. Why did they close it? 1362 01:09:42.760 --> 01:09:44.439 I'm going to take another problem I should have said 1363 01:09:44.439 --> 01:09:48.680 after the break, Why did they close it when your 1364 01:09:48.760 --> 01:09:49.880 daughter contested it? 1365 01:09:50.239 --> 01:09:55.039 On what grounds? Did your daughter contest it? It was 1366 01:09:55.079 --> 01:10:02.279 her daughter, so she believes she should get everything correct, 1367 01:10:02.520 --> 01:10:05.199 and she probably tried to bring up the fact you're 1368 01:10:05.239 --> 01:10:10.319 not married, right correct? Did the courts recognize you as 1369 01:10:10.359 --> 01:10:10.920 married or not? 1370 01:10:10.960 --> 01:10:17.079 Did they make a decision, no decision, Well, the decision 1371 01:10:17.279 --> 01:10:19.239 was that you couldn't do probate. 1372 01:10:19.279 --> 01:10:20.760 Did they allow her to do probate. 1373 01:10:22.960 --> 01:10:24.960 No, I did probate. It was in the will. 1374 01:10:26.119 --> 01:10:29.560 I understand it was in the will that you opened probate. 1375 01:10:31.520 --> 01:10:34.399 Yes, and they appointed me executor. 1376 01:10:37.840 --> 01:10:42.960 Okay, so why did the court? What did the court do? Exactly? 1377 01:10:43.039 --> 01:10:48.439 You didn't tell me. What did they do? Well? 1378 01:10:48.560 --> 01:10:50.960 My witness? No? 1379 01:10:51.439 --> 01:10:53.760 See, hold on, no, Charles, I don't want to hear about. 1380 01:10:53.520 --> 01:10:56.000 The case at all, not one day, not one utter 1381 01:10:56.079 --> 01:10:56.840 of testimony. 1382 01:10:57.079 --> 01:11:01.520 I want to know what did the judge decide in 1383 01:11:01.600 --> 01:11:06.359 her favor that it was in the door. Did they 1384 01:11:06.680 --> 01:11:08.760 make her the executor? 1385 01:11:10.079 --> 01:11:11.000 Yeah? 1386 01:11:11.159 --> 01:11:14.079 Okay, hold on and we'll get our attorney on about this. 1387 01:11:14.640 --> 01:11:17.159 I'm Tom Martino, and we have a follow up that 1388 01:11:17.479 --> 01:11:20.079 Deputy Dmitri has been working on with a contractor and 1389 01:11:20.119 --> 01:11:24.279 more on the Troubleshooter Show. We're working hard to solve problems. Also, 1390 01:11:24.319 --> 01:11:27.079 we have Genesis Tootalexteriors dot Com in the house. 1391 01:11:27.399 --> 01:11:28.640 More on that coming up. 1392 01:11:30.279 --> 01:11:33.560 Go with a sure thing Denver's Best Roofer Excel Roofing 1393 01:11:33.640 --> 01:11:34.239 dot Com. 1394 01:11:34.279 --> 01:11:36.279 You don't pay a cent until you're content. 1395 01:11:39.680 --> 01:11:43.239 Time for an insurance checkup free, no obligation comparison call 1396 01:11:43.319 --> 01:11:46.640 Compass Insurance paying too much your coverage at dozens of 1397 01:11:46.680 --> 01:11:47.560 insurance companies. 1398 01:11:47.640 --> 01:11:49.680 Find out now three all three seven to seven to 1399 01:11:49.720 --> 01:11:50.279 one help. 1400 01:11:50.399 --> 01:11:53.039 You'll think you're his only customer when you choose Frank 1401 01:11:53.119 --> 01:11:55.560 durand the real estate man dot com to list your 1402 01:11:55.600 --> 01:11:58.720 home with Remax Alliance three all three nine two zero 1403 01:11:58.880 --> 01:11:59.840 sixteen twenty two. 1404 01:12:00.640 --> 01:12:06.159 Y'all ripped up. 1405 01:12:07.600 --> 01:12:10.640 New need advice so you don't have. 1406 01:12:12.840 --> 01:12:13.640 Come running. 1407 01:12:13.880 --> 01:12:17.840 Just as fast as we can shoot is gonna help 1408 01:12:18.119 --> 01:12:22.760 come Man Dix is the Troubleshooter Show. 1409 01:12:22.800 --> 01:12:25.079 Now, Tom Martine, Hi. 1410 01:12:25.000 --> 01:12:27.000 Tom Martino here, welcome to the show. 1411 01:12:27.560 --> 01:12:31.840 Let's answer your questions, try to solve problems and take 1412 01:12:31.880 --> 01:12:36.239 your complaints. And I'm gonna get Charles ready for an 1413 01:12:36.239 --> 01:12:40.079 attorney because and we'll have the attorney on uh, if 1414 01:12:40.119 --> 01:12:43.279 not later today tomorrow. His common law and wife died 1415 01:12:43.279 --> 01:12:47.279 in twenty three. He opened probate one week one week later, 1416 01:12:47.680 --> 01:12:53.239 and her daughter contested it. Now here's the thing. The 1417 01:12:53.359 --> 01:12:56.680 daughter had standing. The course found and they found you 1418 01:12:56.720 --> 01:12:59.520 didn't have standing. So basically the courts were saying you're 1419 01:12:59.520 --> 01:13:02.319 not married because if you were married, how long were 1420 01:13:02.319 --> 01:13:02.800 you married? 1421 01:13:05.199 --> 01:13:07.960 Well, we didn't have paper, No, how. 1422 01:13:07.760 --> 01:13:10.239 Long were you together? I know you didn't have papers. 1423 01:13:10.600 --> 01:13:13.840 Common law marriage doesn't have papers, but you're married just 1424 01:13:13.880 --> 01:13:17.640 the same under certain circumstances. Again, it can be challenged 1425 01:13:17.720 --> 01:13:21.399 very easily. And it was so how long were you together? 1426 01:13:22.920 --> 01:13:23.640 Twenty years? 1427 01:13:24.479 --> 01:13:27.920 Okay? And that whole time you talked about her as 1428 01:13:27.920 --> 01:13:36.199 being your wife. Yeah, okay, exclusive, Now did you live together. 1429 01:13:37.680 --> 01:13:38.479 The whole time? 1430 01:13:39.199 --> 01:13:43.920 Okay, Charles, I don't see why the courts said you 1431 01:13:43.960 --> 01:13:47.560 were not a spouse and we're not entitled to any 1432 01:13:47.720 --> 01:13:50.920 Did they grant you anything at all? Like spousal rites, 1433 01:13:51.119 --> 01:13:57.159 which is half of the estate. It's ten percent a year, No, 1434 01:13:57.279 --> 01:13:59.079 I think it's ten No, it's over ten years. It's 1435 01:13:59.119 --> 01:14:01.600 fifty percent of the year state So however many percent 1436 01:14:01.640 --> 01:14:07.239 that would be per year? So you're saying that they 1437 01:14:07.840 --> 01:14:14.000 you got nothing, and they appointed her daughter, right, and 1438 01:14:14.119 --> 01:14:20.159 her daughter is now the personal representative, right, yes, okay, 1439 01:14:20.199 --> 01:14:23.479 Now that doesn't mean that you lost your rights. It 1440 01:14:23.640 --> 01:14:27.199 just means you're not the personal representative. And frankly, Charles, 1441 01:14:27.199 --> 01:14:30.279 that's a pain in the ass. But can you show 1442 01:14:30.359 --> 01:14:34.119 by will that or by common law it self? But 1443 01:14:34.199 --> 01:14:37.720 can you show by will that she had meant to 1444 01:14:37.800 --> 01:14:38.119 leave you? 1445 01:14:38.159 --> 01:14:38.520 Stuff? 1446 01:14:40.800 --> 01:14:44.640 I found a new will, and when was the new will? 1447 01:14:44.720 --> 01:14:49.079 Drafted two years after the first one. 1448 01:14:49.840 --> 01:14:52.239 Okay, her latest will? 1449 01:14:52.359 --> 01:14:57.039 What does her latest will say. 1450 01:14:56.039 --> 01:14:57.640 That she's leaving me the house? 1451 01:14:58.600 --> 01:15:01.720 And the daughter can and contest that. What is the 1452 01:15:02.039 --> 01:15:03.159 is the daughter saying. 1453 01:15:02.920 --> 01:15:07.039 No, hey, I just got served papers. 1454 01:15:07.760 --> 01:15:09.199 Why would you get served papers? 1455 01:15:11.479 --> 01:15:14.079 She found emotion to dismiss. 1456 01:15:14.039 --> 01:15:19.159 Okay, to just okay? Okay? And what why is she 1457 01:15:19.520 --> 01:15:21.960 what inner motion? Why does she say she wants the 1458 01:15:22.000 --> 01:15:23.319 will contested? 1459 01:15:23.520 --> 01:15:27.760 Because she's doing everything the right way And I'm not 1460 01:15:27.800 --> 01:15:29.199 saying you didn't do things the right way. 1461 01:15:29.359 --> 01:15:31.439 There was really nothing for you to do. You live 1462 01:15:31.520 --> 01:15:34.119 with a woman, and now you just want to get 1463 01:15:34.119 --> 01:15:38.640 the house she said she would leave you. So what 1464 01:15:38.760 --> 01:15:40.640 is in the estate other than the house. 1465 01:15:42.920 --> 01:15:44.600 Personal furnature? 1466 01:15:45.239 --> 01:15:46.239 Is the house paid off? 1467 01:15:47.760 --> 01:15:47.920 Yes? 1468 01:15:49.159 --> 01:15:50.079 How much is it worth? 1469 01:15:52.239 --> 01:15:52.840 Tis hundred? 1470 01:15:54.920 --> 01:15:55.399 Okay? 1471 01:15:55.840 --> 01:15:59.960 And the daughter saying hell no. So what does your 1472 01:16:00.039 --> 01:16:01.840 attorneys say to do at this point? 1473 01:16:03.079 --> 01:16:04.039 I don't have one. 1474 01:16:04.279 --> 01:16:08.800 Okay, you need to find an attorney and fight this. Okay, 1475 01:16:08.960 --> 01:16:09.279 you do. 1476 01:16:10.319 --> 01:16:13.600 They look past your common law marriage, but that was 1477 01:16:13.680 --> 01:16:17.199 only for personal representative. If they made the daughter the 1478 01:16:17.239 --> 01:16:20.600 personal representative, she still has to abide. 1479 01:16:20.520 --> 01:16:21.199 By the will. 1480 01:16:21.520 --> 01:16:26.600 So just because she's personal representative doesn't equal, I get everything. 1481 01:16:30.800 --> 01:16:35.439 So Charles, you really need an attorney, and uh, you know, 1482 01:16:35.560 --> 01:16:38.359 and I do have a I do have one that 1483 01:16:38.399 --> 01:16:40.840 we that you should at least check with, and that's 1484 01:16:40.920 --> 01:16:46.439 Dan McKenzie. Mackenzie law. Let me give you his number. 1485 01:16:47.239 --> 01:16:51.159 He got something to take his number down. Yes, okay, 1486 01:16:51.359 --> 01:16:57.640 three oh three co plans. Just follow the letters on 1487 01:16:57.680 --> 01:17:02.760 your phone A three to three C plans and on 1488 01:17:02.800 --> 01:17:05.439 the on the internet. It's on the net. It's co 1489 01:17:05.800 --> 01:17:12.239 plans dot co. Thank you, all right, thank you very much. 1490 01:17:12.239 --> 01:17:15.520 Three oh three seven one three eight two five five. Now, Dimitri, 1491 01:17:15.640 --> 01:17:17.880 you're working with a guy named Roger. This is a 1492 01:17:17.960 --> 01:17:20.359 follow up and uh what is. 1493 01:17:20.680 --> 01:17:23.159 We get to the camera here? What is this all about? 1494 01:17:23.199 --> 01:17:23.439 Rome? 1495 01:17:23.720 --> 01:17:26.079 Well, you know you may recall that on June ninth, 1496 01:17:26.199 --> 01:17:30.520 Dorothy Roger's wife called because they had contracted with a 1497 01:17:30.600 --> 01:17:34.159 door knocker for some concrete and asphalt work in their driveway. 1498 01:17:34.640 --> 01:17:36.920 And that call was when that was on the ninth. 1499 01:17:37.000 --> 01:17:39.760 Okay, Dorothy called this and I have since began to 1500 01:17:39.800 --> 01:17:43.119 work with with Roger. So they contracted with somebody who 1501 01:17:43.199 --> 01:17:46.399 came to their door and it's called C NJ Concrete 1502 01:17:46.439 --> 01:17:47.399 and Asphalt Repair. 1503 01:17:47.520 --> 01:17:48.399 Yeah, I remember that. 1504 01:17:48.520 --> 01:17:52.399 Yeah, and since then, Dorothy and Roger sent me, excuse it, 1505 01:17:52.399 --> 01:17:55.880 at least a dozen photographs of just an awful looking. 1506 01:17:56.239 --> 01:18:00.640 They put steps on the house and they did a 1507 01:18:00.720 --> 01:18:01.279 terrible job. 1508 01:18:01.319 --> 01:18:04.600 They came back and redid the job, additional work on 1509 01:18:05.159 --> 01:18:10.520 like diamond cutting the driveway, and so the contracted amount 1510 01:18:10.520 --> 01:18:13.520 of forty nine hundred she paid in full. The job 1511 01:18:13.600 --> 01:18:17.960 was completed around Well she's saying it's not complete. 1512 01:18:18.199 --> 01:18:20.680 Well, you know, it's hard to tell from the photos 1513 01:18:20.720 --> 01:18:24.479 the degree of completion, but if it was redone, it really. 1514 01:18:24.319 --> 01:18:27.239 Was done kind of amateur issually in my opinion, and 1515 01:18:27.359 --> 01:18:29.800 so it was really you went out and looked at it. 1516 01:18:30.720 --> 01:18:32.760 They sent me dozens of photo I can't go out 1517 01:18:32.800 --> 01:18:33.199 got it. 1518 01:18:33.399 --> 01:18:38.000 And what Roger wanted was surprisingly only a seven hundred 1519 01:18:38.000 --> 01:18:41.119 dollars refund. Why I'm not sure how he came up 1520 01:18:41.159 --> 01:18:43.119 with that, but that's what he wanted. 1521 01:18:42.920 --> 01:18:44.319 And that was Roger and Dorothy. 1522 01:18:44.479 --> 01:18:44.760 Yeah. 1523 01:18:44.960 --> 01:18:48.279 Yeah, And so I actually was able to get a 1524 01:18:48.279 --> 01:18:53.560 hold of Grandpa Joe. It's CNJA Concrete and Asphalt repairs. 1525 01:18:54.119 --> 01:18:57.600 And last week, Grandpa Joe, this is really your grandfather. 1526 01:18:57.880 --> 01:18:58.680 Well I don't know. 1527 01:18:58.640 --> 01:19:01.000 About okay, actual status. See, I know he goes by 1528 01:19:01.039 --> 01:19:04.399 Grandpa Joe, and Grandpa Joe told me that he'll come 1529 01:19:04.439 --> 01:19:08.760 by Roger's house this week and give him seven hundred bucks. 1530 01:19:09.159 --> 01:19:12.000 So I talked with Roger. He thought that would be 1531 01:19:12.039 --> 01:19:15.199 pretty cool if that actually happened. And Roger told me 1532 01:19:15.239 --> 01:19:18.119 that he'll call us back and tell us what happens. 1533 01:19:18.159 --> 01:19:20.119 So apparently he's on the line to kind of fill 1534 01:19:20.199 --> 01:19:21.039 us in on the latest. 1535 01:19:21.960 --> 01:19:26.399 Okay, so what's going on with you, sir Dorothy and. 1536 01:19:28.039 --> 01:19:28.399 Roger? 1537 01:19:28.720 --> 01:19:29.359 What's going on? 1538 01:19:29.439 --> 01:19:34.199 Roger, Well, it's Thursday. I have not had any contact 1539 01:19:34.239 --> 01:19:39.079 with Grandpa Joe. And what I've found out who these 1540 01:19:39.119 --> 01:19:42.479 people trying to communicate with him is they will tell 1541 01:19:42.479 --> 01:19:46.840 you exactly what you want to hear and do anything. 1542 01:19:46.560 --> 01:19:50.199 About it, even Grandpa Joe. 1543 01:19:51.760 --> 01:19:55.399 Even Grandpa Joe, you know that's not the owner. 1544 01:19:57.159 --> 01:19:59.039 We don't even know who the owner is. 1545 01:19:59.279 --> 01:19:59.520 Tom. 1546 01:19:59.560 --> 01:20:02.319 What one of the problems is I was unable to 1547 01:20:02.399 --> 01:20:05.840 locate a company called CNJ Concrete and Asphalt Repairs with 1548 01:20:05.960 --> 01:20:11.199 the Secretary of State's office. Furthermore, Roger sent me photocopies 1549 01:20:11.239 --> 01:20:13.880 of at least two checks that they wrote to this company, 1550 01:20:14.199 --> 01:20:16.640 but all the checks and I take that back, all 1551 01:20:16.680 --> 01:20:19.319 the checks were written to individuals. They wrote checks to 1552 01:20:19.399 --> 01:20:22.680 either two or three different indivents. Weird, So I don't 1553 01:20:22.680 --> 01:20:26.319 think there's even a company like that. There is no 1554 01:20:26.520 --> 01:20:28.920 address on their web they don't have a website, there's 1555 01:20:28.920 --> 01:20:30.359 no address on their business card. 1556 01:20:30.399 --> 01:20:31.600 It's just first names. 1557 01:20:31.680 --> 01:20:34.720 That's really This is really an informal door knocking. 1558 01:20:34.840 --> 01:20:35.039 Yeah. 1559 01:20:35.079 --> 01:20:37.159 I think it's just the two or three clowns that 1560 01:20:37.239 --> 01:20:40.920 go around and you know, collect money for amateurist jobs. 1561 01:20:41.520 --> 01:20:43.960 So if Grandpa Joe does not show up today or 1562 01:20:44.000 --> 01:20:47.560 tomorrow with a check, I think Roger and Dorothy are out. 1563 01:20:47.640 --> 01:20:49.439 I mean, there doesn't even seem to be a company 1564 01:20:49.479 --> 01:20:52.840 to go after. So Roger, I'm really sorry to hear 1565 01:20:52.880 --> 01:20:55.840 that he hasn't been there yet. But man, there's I 1566 01:20:55.840 --> 01:20:57.600 don't think there's anything else to be done. 1567 01:20:58.800 --> 01:21:03.159 Well, yeah, I agree with that, and I if I 1568 01:21:03.279 --> 01:21:04.840 knew how to get a hold of them, I would 1569 01:21:04.840 --> 01:21:08.840 have in the meantime, And like you say, you can't 1570 01:21:08.880 --> 01:21:11.520 get a hold of anybody, Well no, I did get. 1571 01:21:11.359 --> 01:21:13.279 A hold of people. I'm just saying that. 1572 01:21:13.359 --> 01:21:16.600 They promised the world. They just keep talking. They just 1573 01:21:16.680 --> 01:21:17.520 make promises. 1574 01:21:18.600 --> 01:21:20.840 Yeah, we have phone numbers for all these guys. 1575 01:21:22.800 --> 01:21:26.079 Yes, the original thing was my front steps leading. 1576 01:21:25.840 --> 01:21:27.680 Up to my house. Right, I remember that. 1577 01:21:28.840 --> 01:21:29.920 They did a terrible job. 1578 01:21:30.000 --> 01:21:34.199 They redid it, right, Yeah, and you're still not happy. Listen, listen, 1579 01:21:34.319 --> 01:21:35.600 Let's wait, let's just do this. 1580 01:21:36.039 --> 01:21:39.079 Let's wait to see if we hear from them, and 1581 01:21:39.119 --> 01:21:41.079 if you hear from them, I mean, and then just 1582 01:21:41.159 --> 01:21:43.399 let us know and we'll take it from there. That's 1583 01:21:43.479 --> 01:21:45.600 that's all I can tell you. Three oh three seven 1584 01:21:45.680 --> 01:21:47.800 one three eight two five five. 1585 01:21:53.359 --> 01:21:56.640 Go with a sure thing Denver's Best roofer Excel Roofing 1586 01:21:56.720 --> 01:21:57.319 dot com. 1587 01:21:57.359 --> 01:21:59.399 You don't pay a cent until you're content. 1588 01:22:02.760 --> 01:22:05.960 Time for an insurance check up, free no obligation comparison 1589 01:22:06.079 --> 01:22:09.640 call Compass Insurance paying too much your coverage at dozens 1590 01:22:09.640 --> 01:22:12.399 of insurance companies find out now three oh three seven 1591 01:22:12.479 --> 01:22:15.279 seven to one help. You'll think you're his only customer 1592 01:22:15.319 --> 01:22:17.560 when you choose Frank durand the real estate Man dot 1593 01:22:17.600 --> 01:22:20.960 com to list your home with Remax Alliance. Three oh 1594 01:22:20.960 --> 01:22:27.119 three nine two zero sixteen twenty two. 1595 01:22:28.520 --> 01:22:31.720 All right, three oh three seven one three A two 1596 01:22:31.880 --> 01:22:34.199 five five We got lines open. You've been ripped off 1597 01:22:34.199 --> 01:22:36.960 for taking advantage of or just need some help? Get 1598 01:22:37.000 --> 01:22:37.880 those calls in. 1599 01:22:37.800 --> 01:22:38.760 Get him in right now. 1600 01:22:38.760 --> 01:22:42.239 Three oh three Martino, three oh three seven one three 1601 01:22:42.279 --> 01:22:45.079 A two five five. I got Deputy bo sitting across 1602 01:22:45.079 --> 01:22:50.039 from me, Deputy D at the remote undercover location. And 1603 01:22:50.239 --> 01:22:52.800 here's the deal. I got to assign him some cases. 1604 01:22:52.800 --> 01:22:55.319 Three oh three Martino. Now I want to jump into 1605 01:22:55.319 --> 01:22:58.680 all the hell we've got and guys, please, and I'm 1606 01:22:58.720 --> 01:23:01.760 talking to Mark uh and I'm talking to Matt So. 1607 01:23:01.880 --> 01:23:07.399 Matt Stanford's with Paragon Services, Mark Schamansky's with Genesis Total Exteriors, 1608 01:23:07.439 --> 01:23:09.560 who we talk about all the time. By the way, 1609 01:23:09.640 --> 01:23:12.199 your guys did a bang up job on our house. Man, 1610 01:23:12.239 --> 01:23:13.680 it looks absolutely great. 1611 01:23:13.840 --> 01:23:14.039 Great. 1612 01:23:14.039 --> 01:23:16.800 In fact, when Omar came and did that last punch list, 1613 01:23:17.560 --> 01:23:19.960 he did some really cool stuff. I'm not gonna I'm 1614 01:23:19.960 --> 01:23:21.760 not gonna tell you about it because I'm afraid you 1615 01:23:21.840 --> 01:23:22.520 might build. 1616 01:23:22.319 --> 01:23:23.439 Me extra That's right. 1617 01:23:23.439 --> 01:23:24.920 I think I have a change art coming. 1618 01:23:24.840 --> 01:23:25.800 Yeah, change order. 1619 01:23:25.960 --> 01:23:30.600 Hey I heard lemon size hail. Did this really happen 1620 01:23:30.760 --> 01:23:33.279 or is that just something? I mean it was out 1621 01:23:33.359 --> 01:23:40.079 east or something baseball size hail that'll go. 1622 01:23:40.039 --> 01:23:42.600 Through you, that'll damage your coffee table. 1623 01:23:42.760 --> 01:23:43.560 So there's nothing. 1624 01:23:43.640 --> 01:23:45.840 I mean, I don't care like I've got a hailproof 1625 01:23:45.960 --> 01:23:49.760 roof and it's thick. Yeah, that's what I'm saying, because 1626 01:23:49.800 --> 01:23:53.279 you gotta think of how quick that stuff just because 1627 01:23:53.399 --> 01:23:55.479 the pure weight of it. Now, when I looked at it, 1628 01:23:55.760 --> 01:23:58.039 Suzanne had some pictures. Here's what I thought. 1629 01:23:58.720 --> 01:23:59.640 It looked like a. 1630 01:23:59.560 --> 01:24:03.399 Bunch of the smaller stuff somehow all got together in 1631 01:24:03.439 --> 01:24:04.359 the atmosphere. 1632 01:24:04.439 --> 01:24:07.000 That's how it happens, is you have you start with 1633 01:24:07.039 --> 01:24:09.960 pea size. Yeah, a rain drop freezes as it's coming down, 1634 01:24:10.239 --> 01:24:12.159 and then wind will push it back up and it 1635 01:24:12.199 --> 01:24:15.439 connects with another it refreezes, and there refreezes and it 1636 01:24:15.439 --> 01:24:17.640 comes down it's melting and gets pushed back up in 1637 01:24:17.680 --> 01:24:19.720 the air and refreezes. That that's how you get the 1638 01:24:19.720 --> 01:24:20.199 bigger head. 1639 01:24:20.279 --> 01:24:23.159 There was holes in houses, like you said, literally holes 1640 01:24:23.159 --> 01:24:25.039 in the roof, sunlight coming in. 1641 01:24:27.319 --> 01:24:29.359 Dogs, you know, I mean livestock. 1642 01:24:29.560 --> 01:24:31.640 So what do you oh, yeah, then you think of 1643 01:24:31.640 --> 01:24:35.439 that like livestock, especially out east. I mean, that's crazy. 1644 01:24:35.840 --> 01:24:38.640 But besides, and this is why I like why you 1645 01:24:38.680 --> 01:24:41.840 guys teamed up. So besides the roof and mark you 1646 01:24:41.880 --> 01:24:44.720 guys do everything you do. If it's stuccoh you can 1647 01:24:44.760 --> 01:24:47.279 redo the stucco, siding, paint. 1648 01:24:47.000 --> 01:24:47.520 Whatever, it is. 1649 01:24:48.439 --> 01:24:50.960 But Matt, you go out there because a lot of 1650 01:24:51.000 --> 01:24:53.920 these insurance companies simply want to say, oh yeah, we'll 1651 01:24:53.920 --> 01:24:56.520 pay for the roof, and then they kind of slime 1652 01:24:56.600 --> 01:24:59.880 ball their way away and what other things. When you've 1653 01:25:00.119 --> 01:25:02.279 at decent sized hel and it doesn't have to be 1654 01:25:02.399 --> 01:25:04.800 hal that comes through your roof like we're talking about. 1655 01:25:05.119 --> 01:25:07.680 But when you get a good hailstorm, what are other 1656 01:25:07.800 --> 01:25:11.600 things you guys are finding on homes a roofers, don't. 1657 01:25:11.399 --> 01:25:13.800 I tell you? I mean, we just had one Elizabeth 1658 01:25:13.880 --> 01:25:16.159 that happened with about three weeks ago, four weeks ago. 1659 01:25:16.239 --> 01:25:18.319 That was a big one that hit our that hit 1660 01:25:18.359 --> 01:25:19.159 frank down. 1661 01:25:18.960 --> 01:25:22.439 Too right, and that one, I mean a home before 1662 01:25:22.560 --> 01:25:24.720 had some hailed image on the roof. But now all 1663 01:25:24.760 --> 01:25:27.439 their windows are getting replaced. Every one of their metal 1664 01:25:27.479 --> 01:25:28.920 clad windows has damaged. 1665 01:25:28.960 --> 01:25:31.199 And listen to this, people, this is one of the 1666 01:25:31.199 --> 01:25:35.880 biggest saying. Insurance companies want to just glance over the window. 1667 01:25:36.159 --> 01:25:38.880 The glass doesn't have to be broke by any means 1668 01:25:39.279 --> 01:25:42.399 that little seal. Explain, the seal on the windows match. 1669 01:25:42.520 --> 01:25:44.840 So if part of the frame of the window is 1670 01:25:44.920 --> 01:25:47.199 damaged not I mean a lot of people just look 1671 01:25:47.199 --> 01:25:49.399 at the glass and say, hey, that's not broken. But 1672 01:25:49.640 --> 01:25:53.960 if the frame is damaged or the plastic beating. 1673 01:25:53.920 --> 01:25:56.520 Or pure MIC's not working, man, we got to get 1674 01:25:56.560 --> 01:25:57.840 you swapped around somewhere. 1675 01:25:57.960 --> 01:25:59.079 Go over to that other sea. 1676 01:25:59.239 --> 01:26:02.000 Is mine working because I think yours is okay because 1677 01:26:02.239 --> 01:26:03.319 my headpines aren't. 1678 01:26:03.399 --> 01:26:05.600 Yeah, go ahead, So pick back up on the seal. 1679 01:26:05.720 --> 01:26:09.000 So even though the glass isn't broke on windows, the 1680 01:26:09.119 --> 01:26:10.199 seal can get broke. 1681 01:26:10.560 --> 01:26:11.680 And you explain what that means. 1682 01:26:11.760 --> 01:26:14.640 Yeah, So basically, your your glass pack is called an 1683 01:26:14.720 --> 01:26:17.439 ig pack, is a sealed piece of glasses, a piece 1684 01:26:17.479 --> 01:26:19.720 of glass with a space rim between and that makes 1685 01:26:19.720 --> 01:26:22.880 a double pine glass or tipple pane or quad paying glass. 1686 01:26:23.239 --> 01:26:26.520 And so that that air gap can get compromised by 1687 01:26:26.520 --> 01:26:31.000 getting hit and if that happens. If that happens, then 1688 01:26:32.279 --> 01:26:35.520 your your window is obviously just defective at that point 1689 01:26:35.560 --> 01:26:37.199 and it needs to be get redone. 1690 01:26:36.760 --> 01:26:40.199 And you can't necessarily see it so unless someone inspects 1691 01:26:40.199 --> 01:26:43.199 it correct. Now, where you see condensation when it gets 1692 01:26:43.199 --> 01:26:43.800 really hot. 1693 01:26:44.239 --> 01:26:45.800 And you know a lot of times in the morning 1694 01:26:45.920 --> 01:26:47.600 or in the evening is when you get to see 1695 01:26:47.600 --> 01:26:48.279 the condensation. 1696 01:26:49.039 --> 01:26:51.319 How many times do you run into that matt all 1697 01:26:51.359 --> 01:26:51.800 the time. 1698 01:26:51.920 --> 01:26:55.399 I mean there's there are people that they slowly see 1699 01:26:55.520 --> 01:26:58.800 fog creeping in between the panes, and that's a broken seal. 1700 01:26:58.960 --> 01:27:01.720 Happens all the time, all the time. And insurance company 1701 01:27:01.800 --> 01:27:03.760 sure as hell, don't point it out right. And I 1702 01:27:03.760 --> 01:27:06.199 gotta say, the four your thieves at some point. Well, 1703 01:27:06.640 --> 01:27:08.640 it's kind of like with a whole warranty. You know, 1704 01:27:08.840 --> 01:27:12.359 you have a whole warranty. They show up trying to 1705 01:27:13.039 --> 01:27:14.520 figure out a way to deny the claim. 1706 01:27:14.640 --> 01:27:16.800 Yeah, that's it, But they don't even they don't even 1707 01:27:16.800 --> 01:27:19.920 point it out right, don't They'll they'll overlook it and 1708 01:27:20.039 --> 01:27:22.199 mark how much your windows Let's say some of these 1709 01:27:22.199 --> 01:27:25.520 homes hit in Elizabeth are up in a monument wherever. 1710 01:27:25.560 --> 01:27:28.399 It is, like, how much your windows in the average 1711 01:27:28.399 --> 01:27:29.640 house you get replaced? 1712 01:27:29.680 --> 01:27:32.520 Oh yeah, I mean you're like twenty thirty grand, Oh 1713 01:27:32.520 --> 01:27:33.000 for sure. 1714 01:27:33.079 --> 01:27:34.880 I mean you know you're looking anywhere from you know, 1715 01:27:35.239 --> 01:27:37.960 fifteen eighteen hundred bucks a hole to three thousand dollars 1716 01:27:37.960 --> 01:27:38.319 a hole. 1717 01:27:38.520 --> 01:27:41.239 What else besides windows? Everybody knows about the roof, how 1718 01:27:41.279 --> 01:27:42.159 about your siding? 1719 01:27:42.439 --> 01:27:42.680 Size? 1720 01:27:42.720 --> 01:27:44.840 Siding? This the same house we're talking at. 1721 01:27:44.640 --> 01:27:47.760 Our house when you did it after the hailstorm We 1722 01:27:47.840 --> 01:27:50.880 didn't actually have damage on the hardy board, but the 1723 01:27:51.000 --> 01:27:54.159 paint was damaged and you got to say full paint 1724 01:27:54.279 --> 01:27:56.039 out on all four exactly. 1725 01:27:56.039 --> 01:27:57.960 And that that that can happen too where just the 1726 01:27:58.000 --> 01:28:00.159 paints damage in the side in itself is okay if 1727 01:28:00.159 --> 01:28:02.640 you have vinyl sighting, it could but holds through that right. 1728 01:28:02.520 --> 01:28:04.800 Through it right Or that happened out by the airport 1729 01:28:04.920 --> 01:28:08.800 years ago. It looked like someone took a baseball shooter. 1730 01:28:09.359 --> 01:28:12.159 It just plused. It looks like Swiss cheese. 1731 01:28:12.159 --> 01:28:14.920 Yeah, like Swiss cheese. And then what else? So like 1732 01:28:15.000 --> 01:28:17.880 my outbuildings, you ended up doing roofside yeah. 1733 01:28:17.760 --> 01:28:20.119 And so that you obviously got even fencing. See your 1734 01:28:20.159 --> 01:28:21.279 fencing go around the house. 1735 01:28:21.760 --> 01:28:24.479 We've got a lot of people have that plastic fence, 1736 01:28:24.560 --> 01:28:26.920 vinyl fence, popholes. 1737 01:28:26.439 --> 01:28:28.000 Right in it, right right into it. 1738 01:28:28.079 --> 01:28:32.439 Yep, your deck saying you got my deck covered that particular, well, well. 1739 01:28:32.239 --> 01:28:34.119 Look at that very often. But that's a big one too. 1740 01:28:34.199 --> 01:28:36.960 So people that don't know Matt's a public adjuster. This 1741 01:28:37.119 --> 01:28:37.920 is really important. 1742 01:28:37.920 --> 01:28:41.520 When your insurance company comes out and like I'm saying, 1743 01:28:41.640 --> 01:28:43.479 all they want to talk about is a roof after 1744 01:28:43.520 --> 01:28:46.399 a hailstorm. There is so many other things they're just 1745 01:28:46.520 --> 01:28:48.640 not going to bring up to you. They're just not 1746 01:28:48.720 --> 01:28:50.399 going to do it. If you have a lot of 1747 01:28:50.439 --> 01:28:52.960 fencing you need to walk around, even if it's a 1748 01:28:53.039 --> 01:28:57.239 six foot picketed privacy fence, if that hail hits, it 1749 01:28:57.319 --> 01:29:00.960 damages the stain and basically makes it anything you get 1750 01:29:01.000 --> 01:29:02.199 that in the claim. 1751 01:29:02.039 --> 01:29:04.960 That's right offences, especially if it's stayed. If it's just 1752 01:29:05.079 --> 01:29:07.760 raw wood, you know, I can get a power washed 1753 01:29:07.800 --> 01:29:10.239 for you if there's broken pickets, obviously at least money 1754 01:29:10.279 --> 01:29:12.760 to power wash it, and then use that money for 1755 01:29:12.880 --> 01:29:14.560 something else if you want. But the bottom line is 1756 01:29:14.560 --> 01:29:15.520 get as much as possible. 1757 01:29:15.600 --> 01:29:16.399 Yeah, get as much. 1758 01:29:16.439 --> 01:29:19.079 What is your average matt like if someone comes out 1759 01:29:19.199 --> 01:29:22.239 and let's say the roof is twenty grand, the insurance 1760 01:29:22.279 --> 01:29:24.840 company cuts them a check for twenty grand, and in 1761 01:29:24.920 --> 01:29:28.000 a bad hailstorm, what do you generally up end up 1762 01:29:28.239 --> 01:29:29.840 getting after you get involved? 1763 01:29:30.039 --> 01:29:32.720 Usually I mean, at a minimum, on an average, probably 1764 01:29:32.720 --> 01:29:35.840 thirty five to forty percent. But some of them have more. 1765 01:29:36.079 --> 01:29:38.319 But some of them I'm able to double. I remember 1766 01:29:38.359 --> 01:29:40.479 that skylight one they offered them. 1767 01:29:40.520 --> 01:29:42.760 It was the most ridiculous thing I've ever is the 1768 01:29:42.800 --> 01:29:45.399 best example I have of why to get a public adjuster. 1769 01:29:45.800 --> 01:29:48.640 They offered her eight hundred bucks. Actually they offered her 1770 01:29:48.720 --> 01:29:51.920 eighteen hundred, but she had one thousand dollars deductible, which 1771 01:29:51.960 --> 01:29:54.560 brought down to check eight hundred bucks. I think you 1772 01:29:54.680 --> 01:29:58.399 got her around sixty to one hundred thousand dollars up 1773 01:29:58.479 --> 01:30:01.800 to eighty eighty grand. And then the other big one was. 1774 01:30:01.800 --> 01:30:05.359 A lab laboratory in Wirsville the fires. 1775 01:30:06.119 --> 01:30:08.560 Listen to this, folks. The insurance company came in. It 1776 01:30:08.600 --> 01:30:11.760 was a commercial claim. They offered them how much originally 1777 01:30:12.000 --> 01:30:13.159 for smoke damage? 1778 01:30:13.239 --> 01:30:15.079 They wanted to clean it for sixty grand? 1779 01:30:15.399 --> 01:30:18.560 Sixty grand? What did you end up getting them? Almost 1780 01:30:18.640 --> 01:30:23.119 six million, six million dollars on both of mine. How 1781 01:30:23.199 --> 01:30:24.439 much were my initials? 1782 01:30:24.720 --> 01:30:25.039 Zero? 1783 01:30:25.399 --> 01:30:27.359 Zero on both mine? 1784 01:30:27.399 --> 01:30:30.720 My insurance company said pound sand. As soon as I 1785 01:30:30.760 --> 01:30:33.960 got Matt involved. On the first one eighty grand, it 1786 01:30:34.000 --> 01:30:37.560 went from zero to hero zero to eighty thousand. On 1787 01:30:37.720 --> 01:30:40.760 the second one it went from zero. We're that finish 1788 01:30:40.800 --> 01:30:48.600 out March. I think insurance company adjusters are total thieves. 1789 01:30:48.800 --> 01:30:50.600 That's what I think. That's my opinion. 1790 01:30:50.840 --> 01:30:53.239 I'm sure there's some good ones out there, but when 1791 01:30:53.279 --> 01:30:56.640 there's a big hailstorm like what we're talking about these. 1792 01:30:56.439 --> 01:30:58.319 Guys going to lockdown mode. 1793 01:30:58.399 --> 01:31:01.399 All they're trying to do is basically get away with 1794 01:31:01.520 --> 01:31:05.399 writing zero or the least possible amount. And that's where 1795 01:31:05.439 --> 01:31:07.479 these guys come in. These guys can come out to 1796 01:31:07.520 --> 01:31:10.199 your damaged property and look at more than the roof. 1797 01:31:10.239 --> 01:31:13.239 You got any questions? Three oh three seven one three 1798 01:31:13.279 --> 01:31:16.239 eight two five five, I've got to break. It gets me, actually, 1799 01:31:16.680 --> 01:31:20.000 it truly gets my blood pressure up because both times 1800 01:31:20.039 --> 01:31:23.000 Matt I was literally hit with denials. 1801 01:31:22.560 --> 01:31:25.640 Both times, and how many times does that happen to people? 1802 01:31:25.920 --> 01:31:27.920 But they don't know to call a public. 1803 01:31:27.640 --> 01:31:29.560 They don't know they have rights, they don't know that 1804 01:31:29.640 --> 01:31:30.159 we exist. 1805 01:31:30.239 --> 01:31:32.000 They don't even understand their policy. 1806 01:31:32.119 --> 01:31:34.600 They just go, oh, we don't have any damage good 1807 01:31:34.840 --> 01:31:37.079 and they have no idea. They're sitting on tens of 1808 01:31:37.079 --> 01:31:38.000 thousands and they're like. 1809 01:31:37.960 --> 01:31:40.600 Oh, hell, State Farm or Safeco or whoever told me 1810 01:31:40.640 --> 01:31:41.239 I had none. 1811 01:31:41.279 --> 01:31:42.560 I guess that means I had none. 1812 01:31:42.600 --> 01:31:51.000 Everybody holds my three oh three Martino. 1813 01:31:51.239 --> 01:31:54.520 Go with a sure thing Denver's best roofer Excel roofing 1814 01:31:54.600 --> 01:31:55.199 dot com. 1815 01:31:55.239 --> 01:31:57.279 You don't pay a cent until you're content. 1816 01:32:00.640 --> 01:32:03.840 Time for an insurance check up free no obligation comparison 1817 01:32:03.960 --> 01:32:07.520 call Compass Insurance paying too much your coverage at dozens 1818 01:32:07.520 --> 01:32:10.239 of insurance companies find out now three all three seven 1819 01:32:10.239 --> 01:32:13.159 to seven one help. You'll think you're his only customer 1820 01:32:13.199 --> 01:32:15.439 when you choose Frank durand the real estate man dot 1821 01:32:15.479 --> 01:32:18.800 com to list your home with Remax Alliance three all 1822 01:32:18.840 --> 01:32:23.079 three nine two zero sixteen twenty two. 1823 01:32:23.680 --> 01:32:25.880 All right, three oh three seven one three eight two 1824 01:32:25.960 --> 01:32:26.399 five five. 1825 01:32:26.439 --> 01:32:28.680 We've been talking about all kinds of things, but this 1826 01:32:28.880 --> 01:32:31.439 hailstorm and when it comes to adjusters. We had a 1827 01:32:31.479 --> 01:32:34.359 call during the break someone wanted your phone number, Matt. 1828 01:32:34.399 --> 01:32:37.079 But it is so important to get a public adjuster. 1829 01:32:37.640 --> 01:32:40.920 I just can't stress this enough. I literally would have 1830 01:32:41.039 --> 01:32:44.079 left over one hundred and thirty thousand in the last 1831 01:32:44.159 --> 01:32:47.279 few years on the table if I didn't hire Matt. 1832 01:32:47.600 --> 01:32:50.000 And I'll be straight with you, here's how Matt works. 1833 01:32:50.199 --> 01:32:52.079 What do you charge if they bring you in in 1834 01:32:52.119 --> 01:32:55.680 the beginning twenty percent, It's it's always ten ten percent. 1835 01:32:55.800 --> 01:32:56.359 So listen. 1836 01:32:56.840 --> 01:33:00.239 If they're offering you thirty thousand dollars and you bring 1837 01:33:00.239 --> 01:33:03.039 Matt in and he gets you sixty, you got to 1838 01:33:03.079 --> 01:33:05.399 give him ten percent of that. But a lot of 1839 01:33:05.439 --> 01:33:07.760 the times you kind of get paid by the claim too, 1840 01:33:08.239 --> 01:33:12.760 because because there's things in the language where say the GC, 1841 01:33:13.000 --> 01:33:16.880 the general contractor gets an additional ten percent over the. 1842 01:33:16.880 --> 01:33:21.840 Damage twenty percent, So you're getting overhead and profit is 1843 01:33:21.880 --> 01:33:22.399 what that's called. 1844 01:33:22.680 --> 01:33:24.960 If he comes in and gets you overhead and profit, 1845 01:33:25.279 --> 01:33:29.159 for example, you end up not paying him anything. In fact, 1846 01:33:29.199 --> 01:33:32.159 you end up in some cases making ten percent more 1847 01:33:32.199 --> 01:33:33.119 to put in your boxy. 1848 01:33:33.239 --> 01:33:35.800 Right then, I wouldn't be around very long if it 1849 01:33:35.840 --> 01:33:37.600 wasn't a win win win, No, of course. 1850 01:33:37.880 --> 01:33:39.880 So I mean if you go even if you had 1851 01:33:39.960 --> 01:33:42.399 to pay ten percent of what he gets for you, 1852 01:33:42.520 --> 01:33:45.359 think about it. They offer you thirty thousand, great, you 1853 01:33:45.399 --> 01:33:48.359 get thirty thousand bucks. Matt gets involved, gets you one 1854 01:33:48.439 --> 01:33:51.640 hundred thousand, and you end up giving him ten percent 1855 01:33:51.760 --> 01:33:54.319 of that hundred thousand. And that's always at the end. 1856 01:33:54.399 --> 01:33:56.680 It's not like they pay you up front. They pay 1857 01:33:56.720 --> 01:33:59.279 you based on performance. But even if you got you 1858 01:33:59.319 --> 01:34:01.800 a million, it's still it's going to be ten percent. 1859 01:34:02.079 --> 01:34:05.920 Although I really big claims like that, you negotiate sure 1860 01:34:05.960 --> 01:34:09.279 that one like a six, you're not getting ten percent. 1861 01:34:09.399 --> 01:34:11.359 Gave them a break, yeah, of course. 1862 01:34:11.119 --> 01:34:14.479 But on your typical job too, homeowners, you pay him 1863 01:34:14.520 --> 01:34:17.159 ten percent, But what would you rather have thirty thousand 1864 01:34:17.600 --> 01:34:20.840 or ninety thousand on one hundred thousand dollars claim that 1865 01:34:20.880 --> 01:34:21.720 he gets right? 1866 01:34:21.840 --> 01:34:23.000 I mean, it's ridiculous. 1867 01:34:23.039 --> 01:34:25.720 But once again, I want people to understand how many, 1868 01:34:25.840 --> 01:34:29.720 how many home policies do not have overhead and profit. 1869 01:34:30.199 --> 01:34:32.319 I don't think I've ever seen one that doesn't have it. Now, 1870 01:34:32.439 --> 01:34:34.960 whether or not they want to pay it is a fight. 1871 01:34:35.159 --> 01:34:37.560 Yeah, you got to fight for it. So if he 1872 01:34:37.640 --> 01:34:40.960 gets you overhead in profit, you can he cost you nothing. 1873 01:34:41.239 --> 01:34:44.880 He literally costs you nothing. And let's explain what overhead 1874 01:34:44.880 --> 01:34:48.239 and profit is. Overhead and profit generally you can go 1875 01:34:48.319 --> 01:34:51.760 after if there's more than one thing wrong with the house. 1876 01:34:51.840 --> 01:34:52.279 Is that right? 1877 01:34:52.359 --> 01:34:54.840 Well, it used to be the three trades rule. So 1878 01:34:54.920 --> 01:34:57.319 if they explain the silly trades. Let's say you have 1879 01:34:57.359 --> 01:35:00.680 hail damage and your roof got hit, and you need 1880 01:35:00.760 --> 01:35:03.880 paint on your siding yep, and you've got some windows 1881 01:35:03.920 --> 01:35:04.520 that are broken. 1882 01:35:04.680 --> 01:35:06.239 Yeah, that's three years the trades. 1883 01:35:06.439 --> 01:35:09.319 So that warrants overhead and profit because you need somebody 1884 01:35:09.359 --> 01:35:10.880 to manage those separate trades. 1885 01:35:10.960 --> 01:35:13.199 Yes, So like on my last claim that they told 1886 01:35:13.239 --> 01:35:16.720 me zero, you got me money for the person that 1887 01:35:16.760 --> 01:35:19.960 would put in the sliding door. That was the door company, 1888 01:35:20.319 --> 01:35:23.119 the hardwood people because our hardwood was ruined. 1889 01:35:23.359 --> 01:35:26.199 And then what that brought up was paint because when 1890 01:35:26.199 --> 01:35:28.880 they did the hardwood, you have to remove the base 1891 01:35:29.199 --> 01:35:31.199 and then put the of course the base back in, 1892 01:35:31.239 --> 01:35:34.319 and then repaint whatever walls there were. So those were 1893 01:35:34.359 --> 01:35:35.920 the three and you got me overhead and. 1894 01:35:35.920 --> 01:35:38.680 Profit exactly the perfect example of that. 1895 01:35:38.760 --> 01:35:40.800 And then another one. I'll give you another good one. 1896 01:35:41.119 --> 01:35:43.760 Another thing that's in a lot of these homeowners is 1897 01:35:43.800 --> 01:35:45.520 if you have to be out of the house, Like 1898 01:35:45.600 --> 01:35:48.680 when we were having our hardwood done, we ended up 1899 01:35:48.720 --> 01:35:51.840 just staying in our RV right in our own driveway. 1900 01:35:52.039 --> 01:35:54.119 But a lot of people don't have that. They might 1901 01:35:54.199 --> 01:35:57.079 have to go to a hotel, and that should be 1902 01:35:57.199 --> 01:35:58.359 covered if you. 1903 01:35:58.399 --> 01:36:00.479 Can't be in the house. The only reason we couldn't 1904 01:36:00.479 --> 01:36:03.039 be in the house is all the dust in everything 1905 01:36:03.319 --> 01:36:05.079 from doing all the hardwood in our house. 1906 01:36:05.239 --> 01:36:08.319 Right, they should pay for temporary housing, most of them 1907 01:36:08.399 --> 01:36:09.159 up to two years. 1908 01:36:09.399 --> 01:36:11.039 And then you guys teamed up together. 1909 01:36:11.199 --> 01:36:14.000 This is what I love so kind of Mark in 1910 01:36:14.159 --> 01:36:17.640 Genesis after a hailstorm, you can only be in one place. 1911 01:36:17.960 --> 01:36:19.840 You end up you're the one with the license. 1912 01:36:19.880 --> 01:36:23.840 You end up doing everything with the insurance company, reading 1913 01:36:23.920 --> 01:36:27.399 over the policy that the caller has and making sure 1914 01:36:27.439 --> 01:36:29.920 they get every nickel due to them. But Mark, you 1915 01:36:29.960 --> 01:36:32.399 and your guys get out there on the ground and 1916 01:36:32.439 --> 01:36:34.920 not only check the roof, because of course you do roofing, 1917 01:36:35.159 --> 01:36:38.239 but you're checking the siding, You're checking the decks, you're 1918 01:36:38.319 --> 01:36:40.720 checking the fencing, you're checking everything. 1919 01:36:40.800 --> 01:36:43.000 Yeah, we walk around the whole house, the whole property 1920 01:36:43.079 --> 01:36:45.560 and look for everything that is correct. 1921 01:36:46.720 --> 01:36:48.640 One of the things, we've got a little bridge that 1922 01:36:48.720 --> 01:36:51.359 goes over our water feature leading in our front door. 1923 01:36:51.560 --> 01:36:53.399 I don't know if you remember this, but on that 1924 01:36:53.439 --> 01:36:56.079 one four years ago, part of that eighty thousand, you 1925 01:36:56.159 --> 01:36:59.640 got us standing and restaining on that entire bridge. 1926 01:37:00.319 --> 01:37:02.279 I remember you laughing because you're like, I walk over 1927 01:37:02.359 --> 01:37:05.119 that every day. I never noticed you notice it. But yeah, 1928 01:37:05.159 --> 01:37:05.960 we got some money for that. 1929 01:37:06.159 --> 01:37:06.760 It's funny. 1930 01:37:06.760 --> 01:37:09.000 You got us money for the deck, which I couldn't believe. 1931 01:37:09.000 --> 01:37:11.039 For the bridge, I couldn't believe. Oh, I'll tell you 1932 01:37:11.079 --> 01:37:13.399 the craziest one that he got his money for. 1933 01:37:13.560 --> 01:37:13.760 Mark. 1934 01:37:13.800 --> 01:37:15.279 I bet you can't guess what it was. 1935 01:37:15.520 --> 01:37:16.960 Your concrete patio. 1936 01:37:17.479 --> 01:37:20.159 Well, actually he did get us that, but that's not 1937 01:37:20.239 --> 01:37:23.640 what I'm thinking about, right, Which one landscaping we added? 1938 01:37:24.079 --> 01:37:27.000 They got plummeled and he got us one thousand or 1939 01:37:27.000 --> 01:37:28.520 two thousand bucks for a tree? 1940 01:37:28.760 --> 01:37:31.399 Yeah, to replace the tree. And that's pretty rare that. 1941 01:37:31.560 --> 01:37:33.000 The landscaping one is tough one. 1942 01:37:33.039 --> 01:37:33.800 Yeah it is. 1943 01:37:33.880 --> 01:37:36.079 It really has to be blasted pretty good. But I 1944 01:37:36.119 --> 01:37:38.560 got along with that adjuster if you remember so, uh. 1945 01:37:38.520 --> 01:37:39.760 Oh, he loves that story. 1946 01:37:39.760 --> 01:37:41.560 He loves this is the first one. 1947 01:37:41.600 --> 01:37:45.760 This wasn't the was a guy. Yeah, explain explain adjusters 1948 01:37:45.840 --> 01:37:46.359 real quick. 1949 01:37:46.680 --> 01:37:49.479 I love this conversation because after a hailstorm, this is 1950 01:37:49.560 --> 01:37:51.640 information everybody should know. 1951 01:37:51.720 --> 01:37:54.199 So I apologize to the callers. I promised, I'll get 1952 01:37:54.199 --> 01:37:54.359 to you. 1953 01:37:54.640 --> 01:37:57.600 I promised, But this everybody needs to know this stuff 1954 01:37:57.800 --> 01:38:00.119 because if I have one goal in life, it is 1955 01:38:00.159 --> 01:38:03.159 to go after insurance companies because a lot of people 1956 01:38:03.239 --> 01:38:05.079 all they do is pay more and more and more 1957 01:38:05.159 --> 01:38:08.000 each year and never turn into a claim or they 1958 01:38:08.039 --> 01:38:10.760 get turned down on a claim. And this is where 1959 01:38:10.760 --> 01:38:13.720 a guy like Matt comes in. So adjusters the first 1960 01:38:13.760 --> 01:38:16.640 one we dealt with at my house. I remember he 1961 01:38:16.760 --> 01:38:19.359 didn't work for the insurance company. I had an insurance 1962 01:38:19.399 --> 01:38:22.159 company that I was kind of grandfathered into, and they 1963 01:38:22.199 --> 01:38:25.960 pulled out of Colorado, so they went and hired and independent. 1964 01:38:26.640 --> 01:38:30.640 But a lot of times, someone like Safeco or State Farm, 1965 01:38:30.920 --> 01:38:31.680 they can have an. 1966 01:38:31.600 --> 01:38:33.680 Adjuster that actually works for them. 1967 01:38:33.840 --> 01:38:34.039 Right. 1968 01:38:34.199 --> 01:38:37.000 Most of the big companies have their own staff adjusters 1969 01:38:37.000 --> 01:38:39.079 so they can handle the volume. Most of the time, 1970 01:38:39.119 --> 01:38:40.520 they'll deploy from other states. 1971 01:38:40.560 --> 01:38:43.399 Which ones are better to work with, if that even 1972 01:38:43.439 --> 01:38:44.920 makes sense, or they're all the same. 1973 01:38:45.119 --> 01:38:47.800 Oh no, they're definitely not all the same. The best 1974 01:38:47.800 --> 01:38:52.720 ones that I can rattle off, Amika is really good 1975 01:38:52.760 --> 01:38:54.159 and they're their adjusters. 1976 01:38:54.560 --> 01:38:56.880 Yes, Acuity Acuity. 1977 01:38:57.000 --> 01:39:00.520 I never hear anything negative about that company ever, But 1978 01:39:01.239 --> 01:39:02.920 they cost a crapload a month. 1979 01:39:03.079 --> 01:39:05.479 And these ones I'm mentioning are not cheap. Chubb that's 1980 01:39:05.479 --> 01:39:05.880 another one. 1981 01:39:05.960 --> 01:39:06.520 Hub's great. 1982 01:39:06.640 --> 01:39:09.000 Yeah, but they're expensive policies. 1983 01:39:09.000 --> 01:39:11.319 But use your guys should meet with and they actually 1984 01:39:11.359 --> 01:39:14.600 go over the should They don't fight with yet tooth 1985 01:39:14.640 --> 01:39:15.840 and nail on everything. 1986 01:39:15.880 --> 01:39:18.720 Any supplements or any code upgrade stuff I send to 1987 01:39:18.760 --> 01:39:21.520 them is not even a problem for them to address 1988 01:39:21.560 --> 01:39:22.479 and send money out for. 1989 01:39:22.840 --> 01:39:25.079 So I turned in a claim, and I'll tell this 1990 01:39:25.199 --> 01:39:28.039 story real quick. I turned into claim less than two 1991 01:39:28.159 --> 01:39:31.239 years ago, but we waited like six seven months to 1992 01:39:31.279 --> 01:39:34.239 do it because honestly, what happened is water got in, 1993 01:39:34.600 --> 01:39:37.680 hail piled up on our door, and it melted because 1994 01:39:37.800 --> 01:39:39.479 the time of year, it melted as soon as the 1995 01:39:39.520 --> 01:39:42.439 storm went away and got in and ruined our hardwood. 1996 01:39:42.840 --> 01:39:46.239 But it was remarkable. Hardwood's crazy. When it's wet, it 1997 01:39:46.279 --> 01:39:49.479 can do this wave, but then as it drives over time, 1998 01:39:49.640 --> 01:39:52.680 it can almost look perfectly normal again. So we gave 1999 01:39:52.720 --> 01:39:55.600 a time, didn't think about it, and sure enough it 2000 01:39:55.800 --> 01:39:58.319 just didn't go away. So finally I put the claim in. 2001 01:39:58.680 --> 01:40:03.760 Six months later, they outright denied me. He said, nope, nope, nope. 2002 01:40:03.800 --> 01:40:06.800 First of all, you don't have flood insurance. I said, well, 2003 01:40:06.840 --> 01:40:09.760 funny enough I do, and I sent them the addendum 2004 01:40:09.800 --> 01:40:12.279 where I do have flood insurance and then they still 2005 01:40:12.319 --> 01:40:14.960 said no. And that's when I called you. The second time, 2006 01:40:15.479 --> 01:40:18.920 Matt gets involved. And first thing he did was he 2007 01:40:18.960 --> 01:40:20.960 made him come out to the house. You know, when 2008 01:40:21.000 --> 01:40:23.199 they declined me, they didn't even come out. They just 2009 01:40:23.239 --> 01:40:26.079 said I didn't have the coverage for what I was describing. 2010 01:40:26.239 --> 01:40:28.880 Didn't even look at it, think about that, didn't even 2011 01:40:28.880 --> 01:40:29.279 look at it. 2012 01:40:29.439 --> 01:40:31.439 They at least tell you that they to come out 2013 01:40:31.479 --> 01:40:32.760 at least look at it, right. 2014 01:40:32.960 --> 01:40:35.199 So finally he's like, yeah, I'll meet him over there, 2015 01:40:35.239 --> 01:40:38.479 and we end up meeting him. Matt was actually a 2016 01:40:38.720 --> 01:40:41.560 extra for what movie Into the Wild? 2017 01:40:41.800 --> 01:40:43.279 Into the Wild, So if you ever. 2018 01:40:43.119 --> 01:40:44.560 Watch him, great bookmark. 2019 01:40:44.680 --> 01:40:46.720 Oh it's a great movie. If you haven't watched it, 2020 01:40:46.720 --> 01:40:48.920 it's unbelievable. But he's in the movie all the time. 2021 01:40:48.960 --> 01:40:52.399 He's the extra. So what was crazy about it? In 2022 01:40:52.520 --> 01:40:55.239 where I'm getting to and you know, I'm happy, I've 2023 01:40:55.279 --> 01:40:56.439 been married thirty one years. 2024 01:40:56.520 --> 01:40:59.039 Matt's a pretty good looking guy. I mean, I have 2025 01:40:59.119 --> 01:41:01.079 a lot of people to ls you look like who 2026 01:41:01.079 --> 01:41:04.560 what's the guy's name, Bradley Cooper, Like Bradley Cooper, younger 2027 01:41:04.600 --> 01:41:09.239 Bradley Cooper. So this lady comes knocking on the door. 2028 01:41:09.439 --> 01:41:11.920 Matt's already at my house waiting for her to show up. 2029 01:41:11.920 --> 01:41:13.720 And I didn't know as a lady. He might have known. 2030 01:41:14.560 --> 01:41:15.439 You did know because you. 2031 01:41:15.720 --> 01:41:17.000 Sounded like a lady on the phone. 2032 01:41:17.079 --> 01:41:18.439 So I sounded like a lady. 2033 01:41:18.880 --> 01:41:21.760 So basically, she comes knocking at the door and I 2034 01:41:21.880 --> 01:41:25.640 look out there, and she was around Matt's age and 2035 01:41:25.680 --> 01:41:28.880 I'm like, slam dunk, this is gonna be easy. 2036 01:41:29.279 --> 01:41:31.520 She comes in, they start walking the house. 2037 01:41:31.880 --> 01:41:35.119 She's eyeballing him like a bulldog looking at a bone. 2038 01:41:35.359 --> 01:41:38.720 He's schmoozing her and cruising around the house. And then 2039 01:41:38.800 --> 01:41:41.840 next thing I know, they leave and mac go's h's handled. 2040 01:41:41.880 --> 01:41:45.439 It's gonna be about forty grand just like that. That's 2041 01:41:45.520 --> 01:41:47.479 the kind of person you need. Everybody, hold on. 2042 01:41:52.880 --> 01:41:56.159 Go with a sure thing Denver's Best Roofer Excel roofing 2043 01:41:56.279 --> 01:41:56.840 dot com. 2044 01:41:56.880 --> 01:41:58.920 You don't pay a cent until you're content. 2045 01:42:02.279 --> 01:42:05.479 Time for an insurance check up free no obligation comparison 2046 01:42:05.600 --> 01:42:09.159 call Compass Insurance paying too much your coverage at dozens 2047 01:42:09.159 --> 01:42:11.880 of insurance companies find out now three all three seven 2048 01:42:11.920 --> 01:42:14.239 to seven to one help. You'll think you're his only 2049 01:42:14.359 --> 01:42:16.840 customer when you choose Frank durand the real estate Man 2050 01:42:16.880 --> 01:42:20.319 dot com to list your home with Remax Alliance three 2051 01:42:20.319 --> 01:42:22.439 all three nine two zero sixteen twenty two. 2052 01:42:24.239 --> 01:42:26.239 You know I'm bad at given the numbers. 2053 01:42:26.239 --> 01:42:28.560 That too when we have someone like Matt and Genesis 2054 01:42:28.600 --> 01:42:30.359 in and the reason that is, I mean I get 2055 01:42:30.479 --> 01:42:32.600 I start thinking to the insurance company. I don't think 2056 01:42:32.680 --> 01:42:35.119 it of Hey, you know people want the phone number, 2057 01:42:35.159 --> 01:42:37.479 but people keep calling. Turn the break and email and 2058 01:42:37.520 --> 01:42:40.079 so listen here it is Paragon Services. 2059 01:42:40.079 --> 01:42:40.800 This is Matt. 2060 01:42:41.119 --> 01:42:44.159 Get him involved right after, in fact, you had hail damage. 2061 01:42:44.199 --> 01:42:45.760 What are the areas that have been nailed? 2062 01:42:45.760 --> 01:42:46.079 Guys? 2063 01:42:46.520 --> 01:42:48.239 Well I heard Milligan. Wherever the heck? 2064 01:42:48.279 --> 01:42:50.680 That is John John John? 2065 01:42:50.840 --> 01:42:53.279 Sound everything east of my twenty five up north and 2066 01:42:53.319 --> 01:42:54.159 then down you both? 2067 01:42:54.199 --> 01:42:56.359 Do you guys? Cover you go for Collins? 2068 01:42:56.479 --> 01:42:58.439 Yeah? We know we yeah, we go wherever you. 2069 01:42:58.439 --> 01:43:01.520 Go, wherever you need to be. Basically what happens is 2070 01:43:02.000 --> 01:43:03.399 they just get you all the money. I mean, I 2071 01:43:03.439 --> 01:43:06.119 don't know how to put it. Genesis Total Exteriors h 2072 01:43:06.199 --> 01:43:08.800 three oh three six seven nine eighty five O nine. 2073 01:43:09.039 --> 01:43:11.119 They'll check out not only the roof, but they'll look 2074 01:43:11.119 --> 01:43:14.000 at everything you got going three oh three six seven 2075 01:43:14.119 --> 01:43:16.560 nine eighty five oh nine. They'll bring Matt in and 2076 01:43:16.600 --> 01:43:20.520 then Paragon Services. That's Matt seven nine seven to two 2077 01:43:20.560 --> 01:43:22.680 six zero zero twenty and Jr. 2078 01:43:22.720 --> 01:43:23.079 And Eve. 2079 01:43:23.119 --> 01:43:25.119 I promise, and whoever's on three, I'll get to you 2080 01:43:25.319 --> 01:43:26.960 as soon as we get past a break. 2081 01:43:26.960 --> 01:43:28.079 But we only got a minute. 2082 01:43:28.159 --> 01:43:30.479 I do want to say this, So if you've had 2083 01:43:30.560 --> 01:43:33.760 a claim a hail claim, and what when when can 2084 01:43:33.800 --> 01:43:35.520 you keep reopening one year? 2085 01:43:36.000 --> 01:43:38.600 We have one year typically we have one year to 2086 01:43:38.720 --> 01:43:40.760 file it from the date of the storm. 2087 01:43:40.800 --> 01:43:43.720 Now, once you file it, when can you go back 2088 01:43:44.079 --> 01:43:45.199 and add to it? 2089 01:43:45.319 --> 01:43:47.520 You you have two years to dispute it. 2090 01:43:47.600 --> 01:43:48.199 Two years. 2091 01:43:48.199 --> 01:43:50.920 So listen, if you filed a claim like last year 2092 01:43:51.199 --> 01:43:53.479 and it was a good hailstorm and all they did 2093 01:43:53.640 --> 01:43:56.840 was the roof, and you think, because you know you've 2094 01:43:56.880 --> 01:43:59.479 walked around your property and there was other damage you 2095 01:43:59.600 --> 01:44:04.079 never got paid for, you can reopen that same claim. 2096 01:44:03.640 --> 01:44:07.479 And not have any downside. Right, it's not a second claim. No, 2097 01:44:07.640 --> 01:44:09.000 it's the same exact claim. 2098 01:44:09.000 --> 01:44:11.479 There's no In other words, you won't get penalized by 2099 01:44:11.520 --> 01:44:16.119 your insurance company come renewal time and Matt can come 2100 01:44:16.159 --> 01:44:18.199 out and try to get you the money. 2101 01:44:18.000 --> 01:44:20.159 Even if the roof was already done. 2102 01:44:20.199 --> 01:44:22.680 Right, you know. And it depends also if the customer 2103 01:44:22.760 --> 01:44:27.159 or homeowner has a supplied documentation for their remaining funds 2104 01:44:27.199 --> 01:44:29.119 on the claim. A lot of times that closes the 2105 01:44:29.119 --> 01:44:30.800 book and then it's like, okay, well now we have 2106 01:44:30.840 --> 01:44:31.840 to read it. Just depends. 2107 01:44:31.920 --> 01:44:33.039 It depends, but you can. 2108 01:44:33.399 --> 01:44:35.319 I mean, it's worth a phone call to it is 2109 01:44:35.680 --> 01:44:38.039 it's definitely worth a phone call and say here's what happened. 2110 01:44:38.199 --> 01:44:40.199 What if the home owner didn't know that damage then? 2111 01:44:40.520 --> 01:44:42.880 And I'll say it's been a year after Okay, Hold. 2112 01:44:42.720 --> 01:44:45.039 On, guys, we'll do this after seven one nine seven 2113 01:44:45.119 --> 01:44:49.199 two six zero zero twenty seven to one nine seven 2114 01:44:49.279 --> 01:44:52.880 two six zero zero twenty that's Paragum Services. Please call 2115 01:44:52.920 --> 01:44:55.840 these guys up, both of them. Great Eva Jr. Drew 2116 01:44:56.359 --> 01:44:58.119 Drew hold tight. 2117 01:44:58.560 --> 01:45:02.479 Go with a sure thing best roofer Excel Roofing dot com. 2118 01:45:02.520 --> 01:45:04.560 You don't pay a cent until you're content. 2119 01:45:07.920 --> 01:45:11.119 Time for an insurance check up free, no obligation comparison 2120 01:45:11.239 --> 01:45:14.760 call Compass Insurance paying too much your coverage at dozens 2121 01:45:14.800 --> 01:45:17.560 of insurance companies find out now three all three seven 2122 01:45:17.640 --> 01:45:20.439 seven to one help. You'll think you're his only customer 2123 01:45:20.479 --> 01:45:22.760 when you choose Frank durand the real estate Man dot 2124 01:45:22.760 --> 01:45:26.079 com to list your home with Remax Alliance three all 2125 01:45:26.119 --> 01:45:28.279 three nine two zero sixteen twenty two. 2126 01:45:33.520 --> 01:45:41.359 Ripped news You need so you don't have you come 2127 01:45:41.479 --> 01:45:43.520 run insous fast as you can. 2128 01:45:44.359 --> 01:45:46.039 Shooter's gonna help. 2129 01:45:46.359 --> 01:45:49.039 Come man, this is. 2130 01:45:49.079 --> 01:45:53.520 The Troubleshooter Show. No Tom Martinez, Welcome my friends to. 2131 01:45:53.600 --> 01:45:55.479 The only show of its kind. 2132 01:45:55.560 --> 01:46:00.000 We've been here for almost fifty years, solving problems, answering questions, 2133 01:46:00.359 --> 01:46:03.960 taking complaints, recovering money. In fact to the tune of 2134 01:46:04.079 --> 01:46:10.880 almost four hundred million dollars in refunds and exchanges and services. 2135 01:46:10.960 --> 01:46:11.560 That's what we do. 2136 01:46:11.880 --> 01:46:14.319 You're dealing with a bad contractor maybe you're dealing with 2137 01:46:14.439 --> 01:46:16.279 a bad landlord, we want to help you. 2138 01:46:16.399 --> 01:46:19.439 We also want to educate you. We've been talking to. 2139 01:46:19.520 --> 01:46:22.000 A couple great guys that are on a referral list 2140 01:46:22.359 --> 01:46:26.119 at referral list dot com. Marknmatt. Matt's a public adjuster. 2141 01:46:26.319 --> 01:46:30.119 Mark Schmansky owns Genesis Total Exteriors. They've done a ton 2142 01:46:30.199 --> 01:46:32.880 of work for Susanna and I. So any questions you 2143 01:46:32.960 --> 01:46:35.760 have about hail claims or anything else like that, we'd 2144 01:46:35.840 --> 01:46:37.439 love to hear from you. I'm going to get right 2145 01:46:37.479 --> 01:46:40.720 to the phone, though. We've got three people holding one 2146 01:46:40.880 --> 01:46:45.039 line open. Three oh three, Martino, Eva, your first, Eva. 2147 01:46:45.159 --> 01:46:46.520 What is going on with you? 2148 01:46:48.199 --> 01:46:48.319 Hi? 2149 01:46:48.479 --> 01:46:49.000 How are you doing? 2150 01:46:50.199 --> 01:46:55.079 My son he's thirty seven, and his father that's the way, 2151 01:46:56.439 --> 01:46:58.039 and his mother and. 2152 01:47:00.039 --> 01:47:00.640 As grandmother. 2153 01:47:01.399 --> 01:47:07.680 Sorry and uh, they left the money unclaimed property. The 2154 01:47:07.840 --> 01:47:10.520 bank called my son out of the blue and told 2155 01:47:10.560 --> 01:47:12.760 them that they have unclaimed property. 2156 01:47:13.159 --> 01:47:16.319 And he's next to pen so he didn't have a 2157 01:47:16.359 --> 01:47:20.079 will or anything, right, No, there was no probate. I 2158 01:47:20.119 --> 01:47:22.479 mean basically, he's just next to Ken and that's all 2159 01:47:22.520 --> 01:47:26.279 there is. Yeah, okay, so what's your question. 2160 01:47:27.720 --> 01:47:28.960 I don't know where to go from here. 2161 01:47:29.359 --> 01:47:31.800 Well, generally with a bank like that, you should be 2162 01:47:31.840 --> 01:47:34.680 able to go up there with the death certificate in 2163 01:47:34.800 --> 01:47:37.319 the smallest state affid David. So I want you to 2164 01:47:37.399 --> 01:47:41.439 remember that second part, smallest state Affidavid. But wait, I 2165 01:47:41.600 --> 01:47:43.640 just thought of something. Is it under eighty thousand? 2166 01:47:45.439 --> 01:47:47.600 Well, the bank said it's a substantial amount. 2167 01:47:47.720 --> 01:47:48.399 I don't know what that. 2168 01:47:48.720 --> 01:47:50.520 Yeah, I don't know what that means. But I think 2169 01:47:50.600 --> 01:47:53.520 the smallest state AFFID David, it can only go up 2170 01:47:53.560 --> 01:47:56.159 to eighty thousand. So if it's less than eighty thousand, 2171 01:47:56.640 --> 01:47:59.199 you can fill that out. It's pretty straightforward. 2172 01:47:59.279 --> 01:48:03.560 I believe you can down it right on the State 2173 01:48:03.600 --> 01:48:04.720 of Colorado's website. 2174 01:48:05.000 --> 01:48:07.399 You can get it right on the Colorado State website, 2175 01:48:07.439 --> 01:48:11.560 but just google Colorado's small Estate AFFI David. And then 2176 01:48:11.680 --> 01:48:15.079 basically you're going to have to have the certified copy 2177 01:48:15.159 --> 01:48:18.560 of the death certificate and then proof he is the son, 2178 01:48:18.960 --> 01:48:20.279 and then that should be it. 2179 01:48:20.520 --> 01:48:23.560 That's what a bank would generally need, those three things. 2180 01:48:24.640 --> 01:48:26.239 Yeah, we don't know how they got his number. 2181 01:48:26.319 --> 01:48:26.439 Two. 2182 01:48:26.560 --> 01:48:30.560 We have no idea how that if he was a beneficiary. 2183 01:48:30.640 --> 01:48:32.760 You sure he wasn't listed on the account, it is 2184 01:48:32.800 --> 01:48:33.640 a beneficiary. 2185 01:48:34.960 --> 01:48:36.119 I'm not sure of anything yet. 2186 01:48:36.359 --> 01:48:38.840 Well, hold on a second. So there's two things. If 2187 01:48:38.880 --> 01:48:41.039 he set up his son is a beneficiary. 2188 01:48:41.399 --> 01:48:42.359 Was he married. 2189 01:48:43.680 --> 01:48:43.720 No? 2190 01:48:44.239 --> 01:48:47.279 Okay, So if for whatever reason he set up his 2191 01:48:47.439 --> 01:48:50.319 son is a beneficiary. Like I have a checking account, 2192 01:48:50.399 --> 01:48:53.520 I have a savings account, I have business accounts on 2193 01:48:53.760 --> 01:48:57.199 those accounts when I open them up, Suzanne, my wife 2194 01:48:57.359 --> 01:49:00.640 is a beneficiary. So if I was to drop right now, 2195 01:49:01.000 --> 01:49:04.600 she would literally inherit those accounts. She'd have to show 2196 01:49:04.720 --> 01:49:07.479 up to the bank and just show proof that she 2197 01:49:07.760 --> 01:49:11.720 is the listed beneficiary in their system, and she would 2198 01:49:11.760 --> 01:49:14.800 have full access to the account. But generally what they 2199 01:49:14.880 --> 01:49:17.720 do is transfer that money into an account, or write 2200 01:49:17.760 --> 01:49:19.520 her a check, or cash her out whatever. 2201 01:49:19.880 --> 01:49:20.079 I mean. 2202 01:49:20.159 --> 01:49:22.399 She wouldn't actually use that account, but she would have 2203 01:49:22.520 --> 01:49:24.560 access to transfer everything. 2204 01:49:25.920 --> 01:49:27.920 I just thought his dad would have told him, because 2205 01:49:27.960 --> 01:49:29.560 he spent the last month of his life with him. 2206 01:49:29.680 --> 01:49:31.199 How long ago did he pass away? 2207 01:49:31.319 --> 01:49:31.600 Eva? 2208 01:49:33.039 --> 01:49:34.159 Probably three months ago? 2209 01:49:34.399 --> 01:49:35.319 Well, then I am. 2210 01:49:35.359 --> 01:49:39.560 Guessing that he was listed as the beneficiary and that's 2211 01:49:39.600 --> 01:49:41.840 how they got his number. It's just a guess. But 2212 01:49:41.960 --> 01:49:45.439 half the death certificate, his birth certificate showing that his 2213 01:49:45.680 --> 01:49:49.079 dad was his dad, and his ID right mark. 2214 01:49:49.199 --> 01:49:51.399 Yeah, but didn't end the small You're going to have 2215 01:49:51.520 --> 01:49:54.439 to do a small state affidavit no matter what. That's 2216 01:49:54.520 --> 01:49:57.840 really easy though, Literally you download the form, fill it out. 2217 01:49:58.079 --> 01:50:00.439 You might have to have it notarized, but because it's 2218 01:50:00.479 --> 01:50:03.720 a bank, you can probably haven't notarize literally right there 2219 01:50:03.800 --> 01:50:05.960 while you're doing it. I do have a question though, 2220 01:50:06.000 --> 01:50:08.600 when they called him, For the life of me, I 2221 01:50:08.680 --> 01:50:12.399 don't understand why he didn't ask him what I mean, 2222 01:50:12.439 --> 01:50:14.760 what did they say that when they called. 2223 01:50:14.520 --> 01:50:17.479 Him, They said that he had to. 2224 01:50:19.680 --> 01:50:23.399 Register for the gain planning property something like that. 2225 01:50:24.439 --> 01:50:29.239 Well, okay, okay, but he only died three months ago. Yeah, 2226 01:50:29.680 --> 01:50:31.760 so there's two things here. You just threw it off. 2227 01:50:32.520 --> 01:50:36.239 Considering he just died three months ago, it's got to 2228 01:50:36.279 --> 01:50:39.560 be just in the bank's custody right now. But if 2229 01:50:39.640 --> 01:50:42.960 it was years and years after he died, the state 2230 01:50:43.039 --> 01:50:45.119 of Colorado might have it and they call it. I 2231 01:50:45.199 --> 01:50:47.560 think the Great Payback Colorado. 2232 01:50:50.199 --> 01:50:53.760 And was it there? Yeah, okay, so it's the bank. 2233 01:50:53.840 --> 01:50:56.119 He needs to go down to the bank, have the 2234 01:50:56.239 --> 01:50:59.479 smallest state affidavit, have a copy of the death certificate 2235 01:50:59.760 --> 01:51:01.359 and should be that easy, and a. 2236 01:51:01.399 --> 01:51:04.840 Copy of his birth certificate if just in case he 2237 01:51:05.000 --> 01:51:05.920 wasn't listening as. 2238 01:51:05.840 --> 01:51:10.880 The driver's whatever. Yeah, okay, thank you, you're welcome. 2239 01:51:11.079 --> 01:51:13.279 I mean that's hopefully it's a lot of money. I mean, 2240 01:51:13.520 --> 01:51:15.640 like for real, and it's not a lot of work, 2241 01:51:15.680 --> 01:51:16.159 to be honest. 2242 01:51:16.159 --> 01:51:16.439 Sorry. 2243 01:51:16.479 --> 01:51:20.279 Three zho three seven one three eight two five five Jr. 2244 01:51:21.319 --> 01:51:27.359 Has a question for Matt in Paragon, right, Hey Jr. 2245 01:51:27.880 --> 01:51:30.760 You think he's ordering fast food? Jr? 2246 01:51:31.399 --> 01:51:31.520 Is it? 2247 01:51:31.640 --> 01:51:31.800 Mike? 2248 01:51:33.640 --> 01:51:35.600 I'm gonna put him on hold. I have no idea. 2249 01:51:35.720 --> 01:51:38.119 Kelly, You're gonna have to just keep checking. He's talking 2250 01:51:38.159 --> 01:51:42.800 to somebody in the background. You guys, it is amazing. 2251 01:51:44.520 --> 01:51:46.960 Okay. I want to ask you this, Matt, who's the 2252 01:51:47.039 --> 01:51:49.560 easiest insurance company to deal with? We had a guy 2253 01:51:49.720 --> 01:51:53.199 yesterday call in and actually had this question. No bs, 2254 01:51:53.319 --> 01:51:54.119 this was his question. 2255 01:51:54.600 --> 01:51:57.279 He didn't care how much the insurance was, but if 2256 01:51:57.319 --> 01:51:59.760 he ever did have a claim, he wants to make 2257 01:51:59.800 --> 01:52:03.239 sure there's no problem getting paid. So what what would 2258 01:52:03.279 --> 01:52:05.720 you how would you have answered that? I had Brian 2259 01:52:05.840 --> 01:52:10.039 burns on with Compass and we kind of answered it. Well, 2260 01:52:10.159 --> 01:52:13.520 one of them was Acuity, exactly what you said. But 2261 01:52:13.960 --> 01:52:18.399 I'll say Security or Chubb is even better. But Chub's 2262 01:52:18.399 --> 01:52:24.079 gonna check your net worth and it's insurance for the wealthy. Yeah, yeah, 2263 01:52:24.119 --> 01:52:26.119 you're not gonna get insured with Chubb, but if you 2264 01:52:26.239 --> 01:52:28.439 have a three hundred thousand dollars high and they want 2265 01:52:28.479 --> 01:52:29.079 you up. 2266 01:52:29.039 --> 01:52:33.199 In the million plus range. But Acuity all day. Absolutely, 2267 01:52:33.680 --> 01:52:36.199 But Chub's good too, right. Oh, they're both at the 2268 01:52:36.279 --> 01:52:38.159 top of my list. Amika is really good. 2269 01:52:38.079 --> 01:52:41.840 Too, Amika, Amka. Okay, let's go the other way. Who's 2270 01:52:41.920 --> 01:52:43.560 the worst to deal with in your opinion? 2271 01:52:44.239 --> 01:52:46.399 I'll tell you if you get me security, walk into 2272 01:52:46.439 --> 01:52:49.960 my truck. Come on, who American family's the worst? 2273 01:52:50.079 --> 01:52:50.359 Are they? 2274 01:52:50.439 --> 01:52:50.680 Really? 2275 01:52:50.800 --> 01:52:50.960 Yeah? 2276 01:52:51.079 --> 01:52:52.079 USAA is bad. 2277 01:52:52.399 --> 01:52:54.680 USAA I heard used to be really good. 2278 01:52:54.800 --> 01:52:57.159 They were good then all of a sudden, I don't know, man, 2279 01:52:57.279 --> 01:52:59.399 maybe it's all the hell, but they went to hell? 2280 01:52:59.560 --> 01:53:01.960 They did, you know, the ones kind of in the 2281 01:53:02.000 --> 01:53:04.399 middle of the road, your state farm, nationwide, all state 2282 01:53:04.720 --> 01:53:07.319 there it depends who you don't like a Safecoast, the 2283 01:53:07.359 --> 01:53:09.560 one that gave me all the business the last time. 2284 01:53:09.680 --> 01:53:12.680 Depends who you get as your adjuster on those. Now, 2285 01:53:12.800 --> 01:53:14.960 some of the boutique ones you don't hear about a lot, 2286 01:53:15.079 --> 01:53:15.840 like the Hartford. 2287 01:53:16.079 --> 01:53:19.079 Hartford they've been around for one hundred years. 2288 01:53:19.239 --> 01:53:19.479 Yep. 2289 01:53:20.079 --> 01:53:22.039 Another bad one that just came to my mind is 2290 01:53:22.119 --> 01:53:23.279 Colorado Farm Bureau. 2291 01:53:23.560 --> 01:53:25.840 Never heard of them? Is that only for farmers? 2292 01:53:25.960 --> 01:53:26.000 No? 2293 01:53:26.359 --> 01:53:28.840 No, they'll ensure anything, but they're not great. 2294 01:53:29.039 --> 01:53:30.399 Why is it called farm bureau? 2295 01:53:30.479 --> 01:53:30.600 Then? 2296 01:53:30.680 --> 01:53:32.920 Well, I think they used to ensure rural properties and 2297 01:53:32.920 --> 01:53:33.760 then they saw Marcus. 2298 01:53:33.760 --> 01:53:33.920 There. 2299 01:53:34.000 --> 01:53:37.920 Deal, it's kind of crazy. Let's say, JR. Go ahead, 2300 01:53:37.960 --> 01:53:38.960 what's your question for Matt? 2301 01:53:40.119 --> 01:53:41.279 I had a couple of questions. 2302 01:53:41.479 --> 01:53:44.640 So, Matt, what power do you have to get them 2303 01:53:44.680 --> 01:53:45.640 to comp up more money? 2304 01:53:45.680 --> 01:53:45.920 Okay? 2305 01:53:46.039 --> 01:53:49.079 And if they don't comp with the money that you 2306 01:53:49.199 --> 01:53:52.640 feel is reasonable, what's the next step. 2307 01:53:52.479 --> 01:53:53.399 For the homeowner? Oh? 2308 01:53:53.479 --> 01:53:55.560 This is great, So hold on, Jr. That is the 2309 01:53:55.640 --> 01:53:56.680 best question ever. 2310 01:53:57.279 --> 01:54:00.159 And Matt, I really want you to take that the 2311 01:54:00.279 --> 01:54:04.000 three steps or four steps that you had to deal 2312 01:54:04.079 --> 01:54:08.000 with with like my second claim, because you enacted something. 2313 01:54:08.119 --> 01:54:08.720 But JR. 2314 01:54:09.319 --> 01:54:11.079 I do have to put you on hold because I 2315 01:54:11.159 --> 01:54:13.000 got to take this break. But I'm gonna have them 2316 01:54:13.039 --> 01:54:15.479 go over that and then you can ask any follow 2317 01:54:15.560 --> 01:54:16.239 up questions. 2318 01:54:16.479 --> 01:54:18.720 But that is a great question. 2319 01:54:19.000 --> 01:54:26.520 Hold on, Go with a sure thing Denver's Best roofer 2320 01:54:26.680 --> 01:54:28.039 Excel Roofing dot com. 2321 01:54:28.199 --> 01:54:30.239 You don't pay a cent until you're content. 2322 01:54:33.600 --> 01:54:36.760 Time for an insurance check up free, no obligation. In comparison, 2323 01:54:36.920 --> 01:54:40.479 call Compass Insurance paying too much your coverage at dozens 2324 01:54:40.520 --> 01:54:43.239 of insurance companies find out now three O three seven 2325 01:54:43.239 --> 01:54:45.560 to seven to one help. You'll think you're his only 2326 01:54:45.680 --> 01:54:48.119 customer when you choose Frank durand the real estate Man 2327 01:54:48.199 --> 01:54:51.600 dot com to list your home with Remax Alliance three 2328 01:54:51.680 --> 01:54:53.720 oh three nine two zero sixteen twenty two. 2329 01:54:57.079 --> 01:54:59.680 All right during seven three eight. 2330 01:55:00.840 --> 01:55:04.119 If you don't listen on YouTube, it's a good time 2331 01:55:04.239 --> 01:55:07.640 mark listen. I'll tell you you're missing a lot. We 2332 01:55:07.720 --> 01:55:11.079 were talking about a Broncos game that I was at, 2333 01:55:11.479 --> 01:55:14.079 and that's about all I can say. I suggest you 2334 01:55:14.199 --> 01:55:20.960 go back and listen to the YouTube during the brand Yeah, 2335 01:55:22.399 --> 01:55:26.000 not while you're reading. So I'm not gonna say much more. 2336 01:55:26.079 --> 01:55:30.159 But in my entire life, I have never witnessed and 2337 01:55:30.359 --> 01:55:34.920 never felt what happened to me at a Broncos game. 2338 01:55:36.760 --> 01:55:40.720 Question. This is making it sound like I was the 2339 01:55:41.239 --> 01:55:44.680 not the do gooder. I did nothing wrong here. 2340 01:55:44.920 --> 01:55:47.239 The question are you gonna join us again this year? 2341 01:55:48.600 --> 01:55:50.159 We had a great time, with the. 2342 01:55:50.239 --> 01:55:53.319 Exception of that there was a young woman there that 2343 01:55:53.439 --> 01:55:57.159 I'll just say this. They literally, actually she wasn't young, 2344 01:55:57.279 --> 01:56:00.399 she was old. They literally had to shut down the 2345 01:56:00.720 --> 01:56:04.600 entire restroom that was on that level. They literally shut 2346 01:56:04.640 --> 01:56:07.039 it down and E. M. T had to come in 2347 01:56:07.520 --> 01:56:10.319 because she actually exploded. 2348 01:56:10.560 --> 01:56:11.439 And I'll leave it at that. 2349 01:56:11.600 --> 01:56:14.439 If you want to hear the story, go to YouTube 2350 01:56:14.520 --> 01:56:18.279 type in Troubleshooter Network. It's a very true story. And 2351 01:56:18.600 --> 01:56:21.920 Mark the reason we were talking about it, Mark Schamansky, 2352 01:56:22.640 --> 01:56:26.960 we were together that day, along with Suzanne and his wife, Matt. 2353 01:56:28.720 --> 01:56:31.199 It was it was something that none of us have 2354 01:56:31.319 --> 01:56:35.119 ever witnessed, and our entire section had the deal with Mark. 2355 01:56:35.159 --> 01:56:35.880 It's a good story. 2356 01:56:36.359 --> 01:56:39.279 Oh, it's a great story. Except for you guys. It 2357 01:56:39.399 --> 01:56:42.079 was a lot better story than getting here. I got 2358 01:56:42.159 --> 01:56:43.239 hit with the shrapnels. 2359 01:56:43.239 --> 01:56:46.319 Well, Susan and I are in further so, well Madelon 2360 01:56:46.319 --> 01:56:48.479 and I were, but Malon can't handle the smell. 2361 01:56:51.279 --> 01:56:55.840 There it was, so I just can't talk about it 2362 01:56:56.039 --> 01:56:58.279 like over the airwaves, and I won't. But now JR. 2363 01:56:58.319 --> 01:57:01.479 Had a great question for Matt, so match with Paragon Services. 2364 01:57:01.560 --> 01:57:05.319 He's a licensed public adjuster. So Matt Jr's question was great. 2365 01:57:05.640 --> 01:57:09.560 So if you come out and you can't talk them 2366 01:57:09.760 --> 01:57:13.239 in to the claim, or let's say they only want 2367 01:57:13.279 --> 01:57:16.279 to give one hundred dollars instead of ten thousand, so 2368 01:57:16.399 --> 01:57:18.039 let's go ahead and talk about it. 2369 01:57:18.079 --> 01:57:20.680 Go ahead, right, So the stepping stones here it goes, 2370 01:57:20.960 --> 01:57:26.439 you know, homeowner, then contractor, then public adjuster. Then you 2371 01:57:26.920 --> 01:57:30.880 get to a fork in the road appraisal or legal action. 2372 01:57:31.600 --> 01:57:34.199 So if they refuse to negotiate with me, or they 2373 01:57:34.399 --> 01:57:37.000 we don't get to a comfortable number, we can engage 2374 01:57:37.039 --> 01:57:40.359 the appraisal process, which is what we did for your claim. 2375 01:57:40.640 --> 01:57:42.439 That's what we did, JR. Do you know what the 2376 01:57:42.520 --> 01:57:43.760 appraisal process is? 2377 01:57:44.880 --> 01:57:44.920 No? 2378 01:57:45.159 --> 01:57:47.920 I know, but I thought the contract was with the 2379 01:57:48.000 --> 01:57:52.960 homeowner and insurance company would Why would the insurance company even. 2380 01:57:52.920 --> 01:57:53.359 Talk to that? 2381 01:57:53.680 --> 01:57:56.600 Because you make empower of attorney. He represents you, just 2382 01:57:56.760 --> 01:58:00.960 like hiring a lawyer. If someone says I was DUI 2383 01:58:01.199 --> 01:58:04.039 or said I murdered somebody I hire an attorney, and 2384 01:58:04.159 --> 01:58:06.199 the police no longer talk to me. They talked to 2385 01:58:06.319 --> 01:58:06.920 my attorney. 2386 01:58:08.159 --> 01:58:11.079 Okay, so that's in the insurance contracts, right. 2387 01:58:11.239 --> 01:58:14.119 Well, not necessarily. I hold a state license that allows 2388 01:58:14.199 --> 01:58:16.800 me to negotiate with them. They can't ignore me, they 2389 01:58:16.880 --> 01:58:19.039 can't hang up on me. They have to negotiate, and 2390 01:58:19.079 --> 01:58:21.239 they don't have to do that with contractors. 2391 01:58:22.520 --> 01:58:23.920 They can Is that correct? 2392 01:58:24.199 --> 01:58:25.760 Yeah, they can't, they can't. 2393 01:58:25.800 --> 01:58:28.439 But listen, the appraisal process is really cool. And I 2394 01:58:28.640 --> 01:58:31.079 just went through it. So they only wanted to pay 2395 01:58:31.600 --> 01:58:35.199 so once. Once it was zero, MAC got involved and 2396 01:58:35.560 --> 01:58:38.680 the initial amount they gave to Matt, that young lady 2397 01:58:38.720 --> 01:58:40.640 that was out was like eight grand. 2398 01:58:41.119 --> 01:58:43.640 Right, it was pretty small. It's like eight thousand bucks. 2399 01:58:44.119 --> 01:58:46.840 And I said, well, never eight grand. And Matt goes nothing. 2400 01:58:46.880 --> 01:58:49.000 He goes no, no, no, that's just the starting point. 2401 01:58:49.359 --> 01:58:51.079 So what did you do after the eight grand? 2402 01:58:51.279 --> 01:58:55.600 So we invoked the appraisal clause, which the homeowner hires 2403 01:58:55.600 --> 01:58:58.560 an appraiser yep, and the insurance company hires an appraiser. 2404 01:58:58.680 --> 01:59:00.079 So now you've got too fresh. 2405 01:59:00.319 --> 01:59:01.079 And they're independent. 2406 01:59:01.159 --> 01:59:02.039 They're independent. 2407 01:59:02.119 --> 01:59:04.720 They can't work for the insurance company jr. So they 2408 01:59:04.800 --> 01:59:07.760 have to hire somebody, and I hire somebody. I use 2409 01:59:07.840 --> 01:59:10.159 the guy that Matt uses all the time. It's kind 2410 01:59:10.199 --> 01:59:12.239 of like a mediation. You have your side, they have 2411 01:59:12.359 --> 01:59:16.000 their side. Most of the time it works out favorably 2412 01:59:16.159 --> 01:59:19.079 for the homeowner. Yeah, so we were at eight thousand jar. 2413 01:59:19.239 --> 01:59:22.640 We came out in my guy and their guy basically 2414 01:59:22.800 --> 01:59:26.079 walked a house, talked to me, wanted to see the damage, 2415 01:59:26.479 --> 01:59:28.920 and basically when it all got done, it was about 2416 01:59:29.000 --> 01:59:31.159 forty thousand dollars I got right. 2417 01:59:32.359 --> 01:59:35.279 Okay, Now the final step in all of those there's 2418 01:59:35.359 --> 01:59:36.000 another step. 2419 01:59:36.119 --> 01:59:39.880 So let's say I'm still not happy and they didn't 2420 01:59:39.920 --> 01:59:44.359 budge even after the appraisal. Now there's something that you 2421 01:59:44.520 --> 01:59:47.279 can actually get trebled damages. 2422 01:59:46.800 --> 01:59:47.279 If you win. 2423 01:59:47.439 --> 01:59:49.239 Yeah, if you go to an attorney, and I've got 2424 01:59:49.520 --> 01:59:53.680 a few that I work with regularly. We basically sent 2425 01:59:53.760 --> 01:59:56.039 a demand letter to the insurance company through the legal 2426 01:59:56.079 --> 01:59:59.399 office and demand that they pay while we're asking, or 2427 01:59:59.479 --> 02:00:02.159 we file suit. A lot of those attorneys take it 2428 02:00:02.199 --> 02:00:04.840 on contingencies, so you're not paying a retainer, you're not 2429 02:00:04.920 --> 02:00:06.640 paying an hourly fee for an attorney. 2430 02:00:06.720 --> 02:00:07.079 That's right. 2431 02:00:07.239 --> 02:00:09.239 They just go try to knock it out of the park, 2432 02:00:09.319 --> 02:00:12.159 and I would say ninety nine percent of the time 2433 02:00:12.239 --> 02:00:15.560 the attorneys get it. But that's the last line of defense. 2434 02:00:16.199 --> 02:00:16.720 Yeah, that's it. 2435 02:00:16.960 --> 02:00:19.119 And then if you lose that case, that's it. You 2436 02:00:19.279 --> 02:00:20.000 had no case. 2437 02:00:20.439 --> 02:00:22.640 Or if the attorney doesn't want to take it because 2438 02:00:22.680 --> 02:00:25.159 they don't find it's a good case, well that's it. 2439 02:00:25.319 --> 02:00:27.680 You're done and over. But those are all the different 2440 02:00:27.720 --> 02:00:28.680 steps up to the end. 2441 02:00:28.760 --> 02:00:31.199 The good part about if they fight you in court 2442 02:00:31.239 --> 02:00:34.279 and you win, you can get trouble damages and attorney's fees. 2443 02:00:34.520 --> 02:00:37.760 And I believe that's statutory, the attorney's fees if you win, 2444 02:00:37.960 --> 02:00:41.880 it is, so, I mean that's a no brainer. If 2445 02:00:41.920 --> 02:00:44.039 they don't want to give you thirty thousand, you end 2446 02:00:44.159 --> 02:00:47.039 up getting ninety and the attorney ends up getting paid 2447 02:00:47.039 --> 02:00:49.840 out of a different bucket. But that doesn't happen a lot. 2448 02:00:50.039 --> 02:00:53.279 Usually what happens is if the attorney gets involved, you 2449 02:00:53.359 --> 02:00:55.920 probably have a good case because it's their time and energy, 2450 02:00:56.279 --> 02:01:00.079 and right before, right before the day before you you 2451 02:01:00.199 --> 02:01:03.359 walk in and start picking a jury, they settle that way, 2452 02:01:03.439 --> 02:01:05.920 they don't have to pay the treble damages because there's 2453 02:01:05.960 --> 02:01:07.000 sleeves bags. 2454 02:01:06.680 --> 02:01:10.319 A lot of them, so that you get then that's 2455 02:01:10.319 --> 02:01:12.279 when you get your cut right at the end of 2456 02:01:12.279 --> 02:01:12.800 the process. 2457 02:01:13.000 --> 02:01:15.560 Correct, I don't collect until you're paid. Yeah, you don't 2458 02:01:15.600 --> 02:01:17.640 collect until he's paid. And then once again the other 2459 02:01:17.760 --> 02:01:20.680 thing Jr. Don't forget if you have more than one 2460 02:01:20.800 --> 02:01:23.159 thing that was damaged on your property. So let's say 2461 02:01:23.199 --> 02:01:26.600 you got the roof, you need a painter and landscaping 2462 02:01:26.880 --> 02:01:30.960 or deck work or windows. Once you have three different 2463 02:01:31.039 --> 02:01:35.039 things like that, and probably what ninety percent of the policies, 2464 02:01:35.119 --> 02:01:38.159 maybe even more you can get overhead and profit they 2465 02:01:38.199 --> 02:01:40.840 can be twenty percent, so you don't end up paying 2466 02:01:40.880 --> 02:01:45.840 Matt anything, right, Okay, well. 2467 02:01:45.840 --> 02:01:47.680 Too, I mean a lot of times when Matt and 2468 02:01:47.720 --> 02:01:49.880 I are working together, and again, I mean we've done 2469 02:01:50.000 --> 02:01:52.359 hundreds of claims together and we've probably had three go 2470 02:01:52.479 --> 02:01:53.000 to lawyers. 2471 02:01:53.239 --> 02:01:55.439 Yeah, it's very few and far between, and it's a 2472 02:01:55.479 --> 02:01:59.000 waiting game. The lawyer thing takes a while. But those 2473 02:01:59.039 --> 02:02:00.560 are nice mail box money. 2474 02:02:00.600 --> 02:02:01.279 I mean, you know that. 2475 02:02:01.479 --> 02:02:04.760 That's that's those guys going after every dime they can. 2476 02:02:05.000 --> 02:02:07.520 Oh yeah, once the attorneys are in, oh my goodness, 2477 02:02:08.000 --> 02:02:11.159 not only are they facing the treble damages, the attorney's fees, 2478 02:02:11.399 --> 02:02:13.439 but the attorneys are going to find other things. 2479 02:02:13.319 --> 02:02:14.920 To go after it right, and a lot of times 2480 02:02:15.000 --> 02:02:15.199 you know. 2481 02:02:17.159 --> 02:02:19.920 Faith loss, yes, exactly what it is a lot of. 2482 02:02:19.920 --> 02:02:21.520 Times too, when Matt and I are working together on 2483 02:02:21.600 --> 02:02:23.560 the claim, then we just take care of that too. 2484 02:02:23.720 --> 02:02:26.359 So it's not even you don't even pay yourself, You 2485 02:02:26.520 --> 02:02:27.840 just pay us for the work we're doing and we 2486 02:02:27.920 --> 02:02:28.760 take care of Matt from there. 2487 02:02:29.000 --> 02:02:30.680 A lot of times my fee is absorbed in the 2488 02:02:30.760 --> 02:02:34.359 job cost. So every claim is different, every situation is different, 2489 02:02:34.399 --> 02:02:36.560 but we just try to make sure that the customer 2490 02:02:36.680 --> 02:02:39.000 comes out ahead and we all makes money and everybody's happy. 2491 02:02:39.119 --> 02:02:41.840 Yeah, it's truly is a win win Jr. No matter what. 2492 02:02:42.159 --> 02:02:45.439 Generally, what happens is you get a lot more brand 2493 02:02:45.479 --> 02:02:48.000 new stuff on your house. I mean, really, that's the 2494 02:02:48.159 --> 02:02:50.520 ultimate call. You got the new windows, you got the 2495 02:02:50.600 --> 02:02:53.439 new siding, you got the new roof, You upgrade your house. 2496 02:02:53.479 --> 02:02:56.119 Why just get the roof when there's damage and other 2497 02:02:56.199 --> 02:02:58.920 people don't know how to look at the windows? And honestly, 2498 02:02:59.079 --> 02:03:02.039 speaking of that peace because it's such a big insurance 2499 02:03:02.119 --> 02:03:05.079 claim that comes with hail and people don't even realize 2500 02:03:05.119 --> 02:03:06.760 it because the glass is intact. 2501 02:03:07.079 --> 02:03:09.279 Once again, it's nothing to do with the glass. It's 2502 02:03:09.359 --> 02:03:12.079 the seals. How do you actually look around and see 2503 02:03:12.159 --> 02:03:12.560 that march? 2504 02:03:12.760 --> 02:03:15.359 I mean, it doesn't happen overnight. You do need to 2505 02:03:15.399 --> 02:03:18.039 get some condensation there to actually see that that seal 2506 02:03:18.159 --> 02:03:21.039 is busted. And again, usually mornings is the best time 2507 02:03:21.079 --> 02:03:22.840 to look at It's also it just looks a little 2508 02:03:22.920 --> 02:03:25.439 foggy yep. And it's not that it's a dirty window. 2509 02:03:25.479 --> 02:03:27.600 It's that there's some condensation there, and you don't see 2510 02:03:27.640 --> 02:03:30.600 drops of water. It's just a very light bit of 2511 02:03:30.640 --> 02:03:32.119 moisture that you can barely see. 2512 02:03:32.319 --> 02:03:35.359 And when do you have the adjusters out in the afternoon? 2513 02:03:35.439 --> 02:03:38.239 Generally right, the adjuster's not there at five am to 2514 02:03:38.279 --> 02:03:39.840 see the condensation. 2515 02:03:39.640 --> 02:03:43.079 Correct Go with a sure thing Denver's Best roofer Excel 2516 02:03:43.199 --> 02:03:46.239 Roofing dot com. You don't pay a cent until you're content. 2517 02:03:49.640 --> 02:03:52.760 Time for an insurance checkup free, no obligation. In comparison, 2518 02:03:52.960 --> 02:03:56.479 call Compass Insurance paying too much your coverage at dozens 2519 02:03:56.520 --> 02:03:59.239 of insurance companies find out Now three o three, seven 2520 02:03:59.239 --> 02:04:02.159 to seven to one help. You'll think you're his only customer. 2521 02:04:02.199 --> 02:04:04.359 When you choose Frank Durand the real estate Man dot 2522 02:04:04.479 --> 02:04:07.800 com to list your home with Remax Alliance three oh 2523 02:04:07.840 --> 02:04:09.600 three nine two zero, sixteen. 2524 02:04:09.239 --> 02:04:09.920 Twenty two. 2525 02:04:13.239 --> 02:04:16.039 Seven eighty two five five. 2526 02:04:16.600 --> 02:04:19.960 Hey, guys, what other advice on insurance claims? In fact, 2527 02:04:20.039 --> 02:04:22.520 let's let's move off insurance. 2528 02:04:22.000 --> 02:04:22.520 A little bit. 2529 02:04:22.960 --> 02:04:26.840 Well, I still had one question, so go ahead, Mark, Okay, So, Matt, 2530 02:04:27.000 --> 02:04:29.680 if somebody doesn't know they have damage, and a year later, 2531 02:04:29.840 --> 02:04:32.800 two years later, also and they do a roof inspection. 2532 02:04:34.439 --> 02:04:36.000 And the guy comes to him and says, hey, you 2533 02:04:36.039 --> 02:04:36.840 got hail damage. 2534 02:04:36.920 --> 02:04:39.439 Yeah, So what happens then, Well, the first thing I 2535 02:04:39.600 --> 02:04:42.159 do is try to find a storm more recent than 2536 02:04:42.199 --> 02:04:45.640 a year ago. And around here that's pretty easy to do. 2537 02:04:45.840 --> 02:04:46.479 That is easy. 2538 02:04:47.560 --> 02:04:51.119 Certain policies, you know, at certain insurance companies adhere to 2539 02:04:51.199 --> 02:04:53.960 the one year rule, which is basically, a storm hits, 2540 02:04:54.000 --> 02:04:56.840 you gotta file acclaim within a year. That's most companies, right, 2541 02:04:56.960 --> 02:04:59.760 So if I can't find a storm within that year, 2542 02:05:00.159 --> 02:05:02.279 you're pretty much sitting tight waiting for another one. 2543 02:05:02.680 --> 02:05:02.880 Yeah. 2544 02:05:03.000 --> 02:05:06.239 We've had we've had ones marked in Matt's work done, 2545 02:05:06.920 --> 02:05:08.600 and I'll give you an idea. One it was in 2546 02:05:09.319 --> 02:05:11.840 I think it was Castle Rock, it might have been Monument, 2547 02:05:12.359 --> 02:05:16.600 but here was the bottom line. They found out exactly 2548 02:05:16.760 --> 02:05:19.800 like you said, that damage happened but they didn't know 2549 02:05:19.880 --> 02:05:20.520 it at the time. 2550 02:05:21.000 --> 02:05:23.199 I have no idea how they figured out it was there. 2551 02:05:23.279 --> 02:05:25.359 They might have seen their neighbor getting a new roof 2552 02:05:25.479 --> 02:05:28.600 or whatever. It happened to me. So Matt went out 2553 02:05:28.640 --> 02:05:33.000 there and no, they called up the insurance company. I 2554 02:05:33.079 --> 02:05:33.720 remember this now. 2555 02:05:33.800 --> 02:05:37.199 They called up and the insurance company said, that's old damage. 2556 02:05:37.520 --> 02:05:41.239 That wasn't from whatever storm. And then that's when they 2557 02:05:41.359 --> 02:05:44.279 called the show, and I had them call Matt. Matt 2558 02:05:44.319 --> 02:05:48.680 went into whatever program he has and found out exactly 2559 02:05:48.880 --> 02:05:52.359 when in that year's period of when there was a 2560 02:05:52.640 --> 02:05:56.119 actual storm there, because the insurance company was trying to 2561 02:05:56.159 --> 02:05:58.520 say it was, oh, that's from three years ago or whatever. 2562 02:05:58.880 --> 02:06:02.000 Matt found a storm and prove to the insurance company 2563 02:06:02.079 --> 02:06:03.560 it happened in that time, right. 2564 02:06:03.640 --> 02:06:06.800 And then you reverse everything and they go oops, sorry. 2565 02:06:06.640 --> 02:06:08.680 Yeah, but that was what they tried to use for 2566 02:06:08.760 --> 02:06:10.079 an out. It was all damage. 2567 02:06:10.239 --> 02:06:10.399 Yeah. 2568 02:06:10.640 --> 02:06:12.439 So I goes, you know, going out to listeners there. 2569 02:06:12.479 --> 02:06:14.439 If you think you had damage in the last three 2570 02:06:14.560 --> 02:06:17.079 or four years, even nothing, should still call and have 2571 02:06:17.239 --> 02:06:18.039 us take a look at it. 2572 02:06:18.119 --> 02:06:20.840 Well, definitely within the last year. Oh, I see what 2573 02:06:20.920 --> 02:06:23.720 you're saying now, Yeah, actually that is kind of a loophole. 2574 02:06:23.760 --> 02:06:26.079 And you know what, I don't mind sharing that with listeners. 2575 02:06:26.359 --> 02:06:28.840 Let's say you did have damage three years ago and 2576 02:06:29.000 --> 02:06:31.680 didn't have damage this year, but there was a hailstorm. 2577 02:06:32.039 --> 02:06:34.119 You could pin that hailstorm on the damage. 2578 02:06:34.159 --> 02:06:34.880 I do it all the time. 2579 02:06:35.000 --> 02:06:37.359 Yeah, and see, I don't mind saying that. People are like, oh, 2580 02:06:37.399 --> 02:06:40.079 you guys are ripping off the insurance company. No, we're not. Well, 2581 02:06:40.119 --> 02:06:42.000 how do we're playing the game by their rules? 2582 02:06:42.039 --> 02:06:43.960 How does anyone really how do you know how old 2583 02:06:44.000 --> 02:06:46.920 a hit is? Well, on an asphalt roof, you never would, right, 2584 02:06:47.199 --> 02:06:49.720 you can see stuff that's like five ten years old 2585 02:06:49.840 --> 02:06:51.119 with the little fibers. 2586 02:06:50.720 --> 02:06:53.359 Show mark that's a great that's a great way to 2587 02:06:53.439 --> 02:06:55.319 look at it, because who were they to say that 2588 02:06:55.520 --> 02:06:58.119 was three years ago when there was a damn storm 2589 02:06:58.239 --> 02:06:59.000 six months ago? 2590 02:06:59.199 --> 02:06:59.800 Were you there? 2591 02:07:00.079 --> 02:07:01.479 Can you prove that? And I mean that's what I 2592 02:07:01.920 --> 02:07:03.600 say to them. You know you weren't at the house. 2593 02:07:03.640 --> 02:07:05.159 I think you're going to one of my customers soon 2594 02:07:05.239 --> 02:07:07.279 for that, Yeah, yeah, exactly kind. 2595 02:07:07.119 --> 02:07:09.479 Of for what kind of stuff, Marker, you've been doing 2596 02:07:09.560 --> 02:07:12.359 with Genesis lately this time of year. I know Deck's 2597 02:07:12.399 --> 02:07:13.000 gotta be good. 2598 02:07:13.279 --> 02:07:15.279 Yeah, Decking's good. You know a lot of painting. 2599 02:07:15.439 --> 02:07:17.680 And I don't mean insurance claims. I mean people don't. 2600 02:07:17.520 --> 02:07:20.560 Understand just just in general things that people are looking for. 2601 02:07:20.640 --> 02:07:22.640 You know, painting is bigger than normal for us. 2602 02:07:22.720 --> 02:07:24.600 Right now, you're painton Kelly's house right now. 2603 02:07:24.680 --> 02:07:26.880 Yep, we got people at Kelly's house who answers the 2604 02:07:26.880 --> 02:07:27.680 phone here right now. 2605 02:07:28.199 --> 02:07:31.399 I always brag on Omar. Omar is one of his painters. 2606 02:07:31.720 --> 02:07:33.600 This crew has been with you twenty. 2607 02:07:33.439 --> 02:07:36.479 Years, twenty four twenty four years. 2608 02:07:36.840 --> 02:07:39.159 He did our exterior four or five years ago. He 2609 02:07:39.399 --> 02:07:44.319 just finished our interior. He's remarkable, the attention, the detail, 2610 02:07:44.720 --> 02:07:47.560 and then the cost comes in, you know, right around 2611 02:07:47.680 --> 02:07:50.439 everybody else. But you have one of the best painters out. 2612 02:07:50.359 --> 02:07:52.319 There, right and so I mean, you know, is well 2613 02:07:52.399 --> 02:07:53.640 versed in doing it and everything like that. 2614 02:07:53.720 --> 02:07:56.960 And so fixing drywall patches. You know, when you think 2615 02:07:57.000 --> 02:07:59.600 of painting, it's not like just grabbing a roller and 2616 02:07:59.680 --> 02:08:02.680 painting house. When I see these guys prep you had. 2617 02:08:03.039 --> 02:08:05.560 Omar had probably five or ten people out there the 2618 02:08:05.640 --> 02:08:09.319 first day. The whole thing's prep. Anybody can grab a roller. 2619 02:08:09.640 --> 02:08:12.319 But if you want those lines perfect, if you want 2620 02:08:12.399 --> 02:08:14.319 all those pinholes in the wall, done. 2621 02:08:14.640 --> 02:08:15.560 If you need new. 2622 02:08:15.600 --> 02:08:18.760 Texture because there was a big spot. All that stuff 2623 02:08:18.880 --> 02:08:21.520 is where that attention, the detail comes from. 2624 02:08:21.520 --> 02:08:23.439 Well, yeah, painting's easy. Prep is not. 2625 02:08:23.960 --> 02:08:24.920 The prep is a prep. 2626 02:08:25.319 --> 02:08:28.199 Prep is what makes a great prep paint job. Yeah 2627 02:08:28.239 --> 02:08:31.199 for sure. So you got decks Yeah yeah, And you 2628 02:08:31.239 --> 02:08:33.640 know we're not just in the metro area too. I 2629 02:08:33.680 --> 02:08:35.600 mean we have crews right now working in winter Park. 2630 02:08:35.600 --> 02:08:37.680 I mean winter Park is exploding. 2631 02:08:37.479 --> 02:08:37.880 Is it really? 2632 02:08:37.960 --> 02:08:38.159 Yeah? 2633 02:08:38.279 --> 02:08:40.079 And so oh you have a place up there too. 2634 02:08:40.199 --> 02:08:41.600 I do have a place up there. But we're doing 2635 02:08:41.640 --> 02:08:42.760 a lot of work in winter Park. 2636 02:08:43.119 --> 02:08:44.960 How about like Colorado Springs busy? 2637 02:08:45.159 --> 02:08:47.520 Collin Springs is right now is not as busy as 2638 02:08:47.600 --> 02:08:49.520 normally as for us, you know, it's it's a little 2639 02:08:49.560 --> 02:08:50.520 bit slower than normal. 2640 02:08:50.800 --> 02:08:52.239 You go to Fort Collins, Yeah, we go. 2641 02:08:52.279 --> 02:08:54.439 To Fort Collins, Yes we do. So we go you 2642 02:08:54.479 --> 02:08:55.800 know through the whole front range. 2643 02:08:55.960 --> 02:08:58.239 Yeah, well including the front range itself. 2644 02:08:58.680 --> 02:08:59.279 Yeah for sure. 2645 02:08:59.479 --> 02:09:01.079 And so Evergreen a big one. 2646 02:09:01.319 --> 02:09:04.399 Evergreen's where I lives. So yeah, so that is a 2647 02:09:04.640 --> 02:09:05.880 it's a great, great area. 2648 02:09:06.039 --> 02:09:08.800 Something I didn't know you did. I've got a great 2649 02:09:08.840 --> 02:09:11.560 company on our referral list, been there forever. Coming out. 2650 02:09:11.640 --> 02:09:13.600 I would have got a bid from you on it 2651 02:09:13.680 --> 02:09:15.359 as well, but I didn't even know you did it 2652 02:09:15.479 --> 02:09:19.119 to Cement concrete pavers. I got pro form coming out 2653 02:09:20.239 --> 02:09:22.279 next Monday season. 2654 02:09:22.439 --> 02:09:23.359 They're starting Monday. 2655 02:09:23.560 --> 02:09:25.800 Yeah, they're coming out and doing half my driveway. 2656 02:09:25.880 --> 02:09:26.079 Wow. 2657 02:09:26.159 --> 02:09:28.000 I mean you've been to my house numerous times, so 2658 02:09:28.600 --> 02:09:31.000 you know the size of the RV I got. It 2659 02:09:31.159 --> 02:09:32.920 is such a pain in the ass to back it 2660 02:09:33.039 --> 02:09:35.720 in that garage because the way the driveway. So they're 2661 02:09:35.760 --> 02:09:38.800 going to extend my driveway in with and a little 2662 02:09:38.800 --> 02:09:41.079 bit of length and basically I'm going to be able 2663 02:09:41.119 --> 02:09:42.319 to pull almost straight down. 2664 02:09:42.359 --> 02:09:44.520 So I'm looking forward to that. But going back to you, 2665 02:09:44.800 --> 02:09:46.119 I had no idea we. 2666 02:09:46.199 --> 02:09:48.359 Do concrete, yes, yeah, and you do a lot of it. 2667 02:09:48.600 --> 02:09:48.760 We do. 2668 02:09:48.960 --> 02:09:52.039 I mean, concrete is a great business beyond just patios, 2669 02:09:52.199 --> 02:09:54.439 oh beyond pio. So we do a lot of driveways, 2670 02:09:54.560 --> 02:09:57.560 you know, and again pavers pavers. 2671 02:09:57.159 --> 02:10:00.359 Are streachiest part we get. So many complain it's over 2672 02:10:00.399 --> 02:10:03.239 the years on concrete in general. In other words, people 2673 02:10:03.319 --> 02:10:05.880 have got to understand it's concrete. It's never going to 2674 02:10:05.920 --> 02:10:08.319 be perfect. You might have a hairline crack. 2675 02:10:08.720 --> 02:10:11.680 In fact, a lot of people call what Spaulding I. 2676 02:10:11.720 --> 02:10:15.800 Mean scraulding is when they overwork the concrete. They're sitting 2677 02:10:15.800 --> 02:10:17.359 there and they keep working and working and trying to 2678 02:10:17.399 --> 02:10:19.680 get it perfect, and sometimes I'd be better off. Okay, 2679 02:10:19.760 --> 02:10:21.399 we're really close and we should just leave it alone. 2680 02:10:21.439 --> 02:10:23.439 What does that mean though? When they I understand that 2681 02:10:23.479 --> 02:10:25.439 they're trying to get it perfect, but why. 2682 02:10:25.760 --> 02:10:27.359 Rocks are rising up to the top and so the 2683 02:10:27.439 --> 02:10:29.600 concrete is not very thick in the very top player 2684 02:10:30.079 --> 02:10:32.239 so it's popping off because you got rocks up there, 2685 02:10:32.399 --> 02:10:34.439 or they just have too much rock in their mix. 2686 02:10:34.600 --> 02:10:36.399 Or just and that's kind of a cheap way to 2687 02:10:36.479 --> 02:10:40.239 do it right. So what I learned over the years 2688 02:10:40.640 --> 02:10:43.600 is when the truck shows up, you can get a copy. 2689 02:10:43.720 --> 02:10:45.359 What do they call you get a certificate? Yep, you 2690 02:10:45.399 --> 02:10:47.159 get a certificate. What's inside that truck? 2691 02:10:47.319 --> 02:10:50.439 Yeah, exactly what's in there? So if anybody ever, you know, 2692 02:10:50.720 --> 02:10:53.479 if you look at your like when you give someone 2693 02:10:53.520 --> 02:10:56.199 a bit on concrete, do you spell out like the mix? 2694 02:10:56.279 --> 02:10:58.920 We we spell out and we said what your psis 2695 02:10:58.960 --> 02:11:00.680 could be on the concretes. 2696 02:11:00.840 --> 02:11:02.960 And then if they take the load sheet when it 2697 02:11:03.079 --> 02:11:04.239 actually shows up. 2698 02:11:04.199 --> 02:11:06.399 And they like, okay, I know this is what I'm 2699 02:11:06.439 --> 02:11:07.439 getting and you know that. 2700 02:11:07.880 --> 02:11:11.199 And how many people actually make concrete not not poor it. 2701 02:11:11.279 --> 02:11:11.760 There's a lot of. 2702 02:11:11.760 --> 02:11:12.159 People, you know. 2703 02:11:12.359 --> 02:11:14.079 I mean we only use one one supplier. 2704 02:11:15.640 --> 02:11:18.319 Oh okay, fine, but yeah, we use. 2705 02:11:18.239 --> 02:11:22.199 One supplier because my guys we guaranteed. The concrete is 2706 02:11:22.199 --> 02:11:25.680 guaranteed too, Okay, So I don't just have a guarantee 2707 02:11:25.720 --> 02:11:28.399 from my installer, but I also have a guarantee from 2708 02:11:28.439 --> 02:11:30.239 my supplier of the concrete for the. 2709 02:11:30.319 --> 02:11:32.800 Actual This guy, Mike's got a props to you. Hey, Mike, 2710 02:11:32.840 --> 02:11:37.680 what's your props to either Matt or Mark? 2711 02:11:40.079 --> 02:11:41.279 No, it's it's the Matt. 2712 02:11:41.319 --> 02:11:44.319 He's working on insurance claim with me, and I wanted 2713 02:11:44.359 --> 02:11:46.880 to give him a big auta boy. 2714 02:11:47.079 --> 02:11:49.039 Hey Mike, what's your insurance company? 2715 02:11:51.079 --> 02:11:51.319 Huh? 2716 02:11:51.600 --> 02:11:52.880 What's your insurance company? 2717 02:11:54.199 --> 02:11:54.760 Old State? 2718 02:11:55.520 --> 02:11:58.800 And what happened? Did you call Matt from the beginning? 2719 02:11:58.920 --> 02:12:00.520 Was it a hailstorm to tell us? 2720 02:12:01.279 --> 02:12:01.520 Yeah? 2721 02:12:01.880 --> 02:12:04.399 Yeah, I kind of from the beginning, I thought we 2722 02:12:04.640 --> 02:12:10.880 had hail damage on the sightings and insurance company said no, 2723 02:12:11.239 --> 02:12:14.439 and Matt, when looked at him, sent the pictures and stuff. 2724 02:12:15.439 --> 02:12:17.600 And there's still stone. 2725 02:12:17.359 --> 02:12:17.840 Ball on this. 2726 02:12:18.159 --> 02:12:20.119 But where is your house at? 2727 02:12:21.640 --> 02:12:22.560 Oh in Aurora? 2728 02:12:22.800 --> 02:12:25.159 It's two houses to to my rental. 2729 02:12:24.960 --> 02:12:27.239 House, Matt, do you know what we're talking about here? 2730 02:12:27.399 --> 02:12:29.560 I do, And they were fighting me so bad. I'm 2731 02:12:29.600 --> 02:12:30.520 giving it to my attorney. 2732 02:12:30.880 --> 02:12:31.760 So this is one thing. 2733 02:12:31.840 --> 02:12:32.319 This is one. 2734 02:12:32.760 --> 02:12:34.319 Yeah, this is one that's going all the way. 2735 02:12:34.600 --> 02:12:36.760 And then how is like when you go out what 2736 02:12:37.000 --> 02:12:37.680 was it siding? 2737 02:12:38.119 --> 02:12:38.279 Yeah? 2738 02:12:38.319 --> 02:12:40.359 It was three houses. I looked at his primary home 2739 02:12:40.399 --> 02:12:44.800 and two rentals, and one of them I think one 2740 02:12:44.840 --> 02:12:47.399 of them was definitely siding, and the other one I 2741 02:12:47.439 --> 02:12:49.159 think was the roof. I'd have to look at her 2742 02:12:49.279 --> 02:12:51.640 denying everything. Well, they're on the siding. They're saying it's 2743 02:12:51.640 --> 02:12:54.439 wear and tear, it's old siding. But my argument is 2744 02:12:54.520 --> 02:12:57.239 there's hail on it too, so that should trump everything. Yeah, 2745 02:12:57.239 --> 02:12:59.479 and I'm just getting pushed back, you know, And I'm saying, 2746 02:12:59.479 --> 02:13:01.399 all right, well, let's take it to the lawyers. They'll 2747 02:13:01.439 --> 02:13:02.880 knock it out of the park and we get a 2748 02:13:02.920 --> 02:13:03.960 bunch of extra stuff too. 2749 02:13:04.199 --> 02:13:04.399 Yeah. 2750 02:13:05.119 --> 02:13:06.319 Yeah, that's nice, Mike. 2751 02:13:06.199 --> 02:13:09.359 Go ahead, Yeah, and that's great. 2752 02:13:09.520 --> 02:13:12.720 I really really appreciate. I don't know what I've done when, Oh, 2753 02:13:12.840 --> 02:13:13.319 thanks for Cary. 2754 02:13:13.439 --> 02:13:15.800 You probably would have just taken it by the shorts, man, 2755 02:13:16.439 --> 02:13:18.800 I mean, like, for real, yeah. 2756 02:13:19.359 --> 02:13:21.199 I wouldn't have known what to have done, what to do? 2757 02:13:21.359 --> 02:13:21.840 I'm sorry? 2758 02:13:22.039 --> 02:13:24.880 Yeah, all right, Hey, we appreciate that, Mike three o 2759 02:13:25.000 --> 02:13:27.319 three seven one three eight two five five. We've got 2760 02:13:27.359 --> 02:13:30.399 time for one more call three oh three Martino. 2761 02:13:30.279 --> 02:13:33.560 Go with a sure thing Denver's best roofer Excel Roofing 2762 02:13:33.640 --> 02:13:36.279 dot com. You don't pay a cent until you're content. 2763 02:13:39.680 --> 02:13:42.800 Time for an insurance check up free, no obligation comparison 2764 02:13:43.000 --> 02:13:46.520 call Compass Insurance paying too much your coverage at dozens 2765 02:13:46.560 --> 02:13:49.279 of insurance companies find out now three oh three, seven 2766 02:13:49.319 --> 02:13:51.640 to seven to one help. You'll think you're his only 2767 02:13:51.760 --> 02:13:54.159 customer when you choose Frank Durand the real estate Man 2768 02:13:54.279 --> 02:13:57.640 dot com to list your home with Remax Alliance three 2769 02:13:57.720 --> 02:13:59.960 oh three nine two zero sixteen twenty two. 2770 02:14:06.680 --> 02:14:09.600 Two five five one Clear Choice Stores. 2771 02:14:10.079 --> 02:14:12.199 You know what I love about one Clear Choice Stores. 2772 02:14:12.560 --> 02:14:16.039 They have got showrooms up and down the front range. 2773 02:14:16.079 --> 02:14:17.960 You need a new garage door opener or of course 2774 02:14:18.000 --> 02:14:20.880 a new garage. Maybe add hail damage on your garage 2775 02:14:20.920 --> 02:14:22.760 and it's time to go pick out a beautiful new 2776 02:14:22.800 --> 02:14:26.399 one one Clear Choice Stores dot com. Great company. Just 2777 02:14:26.560 --> 02:14:29.560 absolutely love them. And someone was asking me about my 2778 02:14:29.680 --> 02:14:33.279 weight loss. Uh yeah, check it out, guys. I'll tell you, guys, 2779 02:14:33.359 --> 02:14:37.359 now you're ready for this. I'm at almost forty pounds okay, 2780 02:14:37.520 --> 02:14:39.840 I started a little over two thirty and I'm like 2781 02:14:39.920 --> 02:14:44.119 one ninety two the michelob Ultra I switch beers. No, 2782 02:14:44.279 --> 02:14:46.680 that would be easy. It's a Denver region. These guys 2783 02:14:46.720 --> 02:14:50.399 are great. I'm on what's called try zeppaitoid. I always 2784 02:14:50.439 --> 02:14:52.800 get a wrong try zeppatide whatever it is. But the 2785 02:14:52.840 --> 02:14:56.159 bottom line is I just don't crave food. I mean, 2786 02:14:56.239 --> 02:14:58.680 that's that's the best way to say it. It's not 2787 02:14:58.880 --> 02:15:02.039 like a normal diet where all you're doing is not 2788 02:15:02.199 --> 02:15:05.279 eating and thinking about eating. You don't eat and you 2789 02:15:05.359 --> 02:15:06.279 don't think about eating. 2790 02:15:06.359 --> 02:15:09.039 Do you think there's anything to your stomach shrinking and 2791 02:15:09.119 --> 02:15:10.520 it's smaller, so you're. 2792 02:15:10.439 --> 02:15:14.800 Slows down your intestines, it slows down your digestive system. 2793 02:15:15.000 --> 02:15:19.239 Here's what's cool about it, Matt. It's almost like testosterone therapy. 2794 02:15:19.920 --> 02:15:23.159 It's exactly what your body makes when you eat something. 2795 02:15:23.239 --> 02:15:26.319 Your body releases a chemical that goes to your brain 2796 02:15:26.399 --> 02:15:27.239 and says I'm full. 2797 02:15:27.720 --> 02:15:28.319 They use that. 2798 02:15:28.600 --> 02:15:32.399 It's the exact thing, or like ninety nine percent, and 2799 02:15:32.479 --> 02:15:34.760 I'm not a doctor. I'm going off a memory when 2800 02:15:34.840 --> 02:15:37.399 he's in. But it's like ninety five or ninety nine 2801 02:15:37.479 --> 02:15:41.159 percent the exact same thing your body produces when you eat. 2802 02:15:41.479 --> 02:15:44.760 You're just taking it and it slowly releases. 2803 02:15:44.359 --> 02:15:46.800 Into your system. You do a shot each week. Shot 2804 02:15:46.880 --> 02:15:48.359 doesn't hurt at all. It's like nothing. 2805 02:15:48.720 --> 02:15:51.279 So it's such a skinny needle you don't even feel it, 2806 02:15:51.479 --> 02:15:53.479 and it's not intervenous. You just put it in some 2807 02:15:53.640 --> 02:15:57.399 fat basically, so it lasts for a week and it 2808 02:15:57.600 --> 02:16:00.159 just tells your body you're full. And not only does 2809 02:16:00.159 --> 02:16:02.520 that make you feel full like your stomach, but it 2810 02:16:02.640 --> 02:16:05.479 also tells your brain literally you're full. And that's how 2811 02:16:05.520 --> 02:16:05.920 it works. 2812 02:16:06.159 --> 02:16:07.680 And so the energy levels. 2813 02:16:08.119 --> 02:16:09.880 Energy level, Yeah, you got to watch that. 2814 02:16:10.079 --> 02:16:12.640 I do a protein I don't even know what it's called, 2815 02:16:13.000 --> 02:16:16.520 like a protein shake, just to get some protein in there. 2816 02:16:16.840 --> 02:16:18.800 And you got to kind of make yourself eat. You 2817 02:16:18.920 --> 02:16:19.800 got to actually go. 2818 02:16:20.000 --> 02:16:22.920 Like, oh, I forgot to eat today. It's crazy as 2819 02:16:22.960 --> 02:16:25.119 that sounds, but it works. I mean less than six 2820 02:16:25.239 --> 02:16:26.520 months forty pounds. 2821 02:16:26.199 --> 02:16:27.800 So this is different than when you used to eat 2822 02:16:27.800 --> 02:16:31.399 once a day it well, which he still does, which 2823 02:16:31.439 --> 02:16:32.000 I still do. 2824 02:16:32.159 --> 02:16:34.440 But here's the funny part of mark. I would think 2825 02:16:34.520 --> 02:16:34.879 of food. 2826 02:16:34.959 --> 02:16:35.120 Though. 2827 02:16:35.440 --> 02:16:37.879 On a Friday, when we got pizza here and I 2828 02:16:38.079 --> 02:16:40.159 was only eating once a day, at four o'clock, it's 2829 02:16:40.159 --> 02:16:43.479 called intermittent fasting. I couldn't stop thinking about that damn 2830 02:16:43.520 --> 02:16:46.200 pizza in the other room, or the chips that would 2831 02:16:46.239 --> 02:16:48.440 be out in the newsroom, or the cake because it's 2832 02:16:48.479 --> 02:16:51.440 someone's birthday at work. I mean, in this building, you're 2833 02:16:51.520 --> 02:16:55.280 surrounded by food. Voodoo Donuts will send donuts here all 2834 02:16:55.319 --> 02:16:57.840 the time. There is always food for people that work 2835 02:16:57.879 --> 02:17:00.200 in this building. And even if I was eat eating 2836 02:17:00.280 --> 02:17:03.520 once a day, I'm just constantly you pass at Voodoo donut. 2837 02:17:04.000 --> 02:17:05.959 Is that a donut with bacon on it? I mean, 2838 02:17:06.000 --> 02:17:07.879 who doesn't want a donut with bacon on it? So 2839 02:17:08.000 --> 02:17:10.120 you're fighting with your brain with this. You don't even 2840 02:17:10.639 --> 02:17:14.159 it's not even a second thought. That's the difference. When 2841 02:17:14.200 --> 02:17:16.559 I used to do a very low carb diet, I'd 2842 02:17:16.600 --> 02:17:18.760 get to the point where I'd kill for a strawberry. 2843 02:17:19.159 --> 02:17:21.520 You know, any kind of sugar is what you crave 2844 02:17:21.600 --> 02:17:24.680 when you don't do carbs. So all I would think 2845 02:17:24.680 --> 02:17:27.680 about is that I could drop thirty pounds and I 2846 02:17:27.719 --> 02:17:29.879 could do it in two months. But man, all I 2847 02:17:30.040 --> 02:17:33.559 did was be miserable and think of food. That's really 2848 02:17:33.639 --> 02:17:36.799 the difference with these new class of drugs. But Denver Regen, 2849 02:17:37.040 --> 02:17:39.719 just I can't believe how cheap it is. I mean, 2850 02:17:40.159 --> 02:17:42.399 they've got people less than three hundred bucks a month. 2851 02:17:42.479 --> 02:17:45.079 So I wanted to tell people about that. Less than 2852 02:17:45.120 --> 02:17:47.879 three hundred dollars a month on these weight loss drugs. 2853 02:17:47.959 --> 02:17:50.680 Check them out Denverregen dot com. Hey, by the way, 2854 02:17:50.799 --> 02:17:55.760 real quick, Mark Schamansky Genesis three, three, six, seven nine 2855 02:17:55.879 --> 02:17:58.319 eighty five oh nine, and thanks for being here. And 2856 02:17:58.399 --> 02:18:01.920 then Matt Parragon Services seven one nine seven two six 2857 02:18:02.079 --> 02:18:02.920 zero zero twenty. 2858 02:18:03.079 --> 02:18:08.200 We'll see you here tomorrow, HM,