Speaker 1: Yea ripped up news need advice so you don't have.
Speaker 2: Come running just astas as a cam shooter's gonna help come.
Speaker 3: Man Dix is the Troubleshooter Show.
Speaker 4: No Tom Martino, Hey.
Speaker 5: Tom Martino here, Welcome to the show.
Speaker 6: Three oh three seven one three talks seven one three
Speaker 6: eight two five five. Joined with my peeps at the studio.
Speaker 6: That is Mark and I see some deputies there.
Speaker 5: Mark, take it away. Who's there? What's going on today?
Speaker 7: Shamadski.
Speaker 8: We got Matt Stanford, Paragon, Genesis, Total Exteriors. We're gonna
Speaker 8: be talking insurance claims, how insurance companies attempt.
Speaker 7: To rip you off.
Speaker 8: We got Deputy Bow, Suzanne Kelly, and then some kind
Speaker 8: of ugly guy on the other side of the glass.
Speaker 6: Hey, it's uh. I want to I want to be
Speaker 6: the first one to say, is this legal?
Speaker 5: Can you sing? Happy birthday?
Speaker 9: Oh gosh, Tom, We've got a birthday grow in the house.
Speaker 7: You could do it like they do it.
Speaker 5: Let's do it. Let's do Happy Happy birthday to you,
Speaker 5: Happy birthday to.
Speaker 1: Happy, Happy birthday.
Speaker 5: Dear glory to Kelly story, Happy birthday to turn man,
Speaker 5: just turning forty, just checking forty fifty five. Actually, thanks
Speaker 5: for the crow. All right, Well, anyway, I always round up,
Speaker 5: so I actually don't know how old I am.
Speaker 6: Well, how well, it's not it's not it's not polite
Speaker 6: tasking age. I don't know why it's not polite. I mean,
Speaker 6: I really don't and I never did understand that. But
Speaker 6: it's like, so anyway, let's go to the phones. But
Speaker 6: first talk about actually we should just talk about things
Speaker 6: happening in the news and listen. I don't normally talk
Speaker 6: about stuff like this, well not in this regard, but
Speaker 6: this thing with let me just bring this up. This
Speaker 6: news story. It went under the radar. There was actually
Speaker 6: listen to this.
Speaker 5: Do you know the US AID that took you know,
Speaker 5: the us AID was aid all over the world. Yeah,
Speaker 5: we were paying for studying the mating habits of tens
Speaker 5: in a foreign country. I mean, I'm just exaggerating, But
Speaker 5: listen to this.
Speaker 6: During all of this investigation going on, they found a
Speaker 6: US AID contracting officer, Roderick Watson.
Speaker 5: It's real.
Speaker 6: He pleaded guilty to running a ten year long bribery
Speaker 6: scheme that steered more than five hundred and fifty million
Speaker 6: dollars in federal contracts to associates of his.
Speaker 5: This is real.
Speaker 6: I mean I have not heard one newscast with us
Speaker 6: This just happened the other day. And he got more
Speaker 6: than a million dollars over the years in cash and gifts.
Speaker 6: The contracts were awarded under the you know, the USAID
Speaker 6: program to help minority and women own businesses, and it
Speaker 6: was supposed to be non competitive set aside contracts. So
Speaker 6: the thought with USAID was that these places when it
Speaker 6: comes to government contracts, this was specific. There are others
Speaker 6: that have to do with charity, with medical research, and
Speaker 6: you know, that's where some of the liberals are saying
Speaker 6: Conservatives are causing a mass death over their cutbacks.
Speaker 10: You know.
Speaker 6: And in any case, I'm not talking about USA in
Speaker 6: general or all of the wasted money, but this particular one.
Speaker 5: Here's what I find shocking.
Speaker 6: If this guy was a Republican, If this guy was
Speaker 6: doing it under.
Speaker 5: A Republican rule. Now, part of it was under Trump, but.
Speaker 6: It was mainly you know, I think Clinton, it was
Speaker 6: Barack Obama under Bush.
Speaker 5: A lot of it took place.
Speaker 6: Was Bush just sleeping basically, I mean, what was he
Speaker 6: doing anyway? Okay, the scheme started in twenty thirteen and
Speaker 6: involved companies putting in contracts and then the bribes were
Speaker 6: funneled through various means, including some of the bribes were
Speaker 6: jobs for relatives, electronics for his home, home, down payments,
Speaker 6: and loans. Prosecutors and DOJ officials condemned the fraud obviously,
Speaker 6: But what I don't understand. Does it shock you that
Speaker 6: this hasn't been in the news.
Speaker 10: I hap.
Speaker 5: I happened to run across it.
Speaker 6: In one of these fringe sights and then started doing
Speaker 6: research and found it's absolutely true.
Speaker 5: So if you look them up, you'll find it.
Speaker 6: Roderick Wasson, you know Mark, we often talked about taking
Speaker 6: the penalty for the crime on purpose.
Speaker 5: Do you remember what's the clown's name? He went to
Speaker 5: his eyes? What is Don?
Speaker 6: Ailey was an accountant who just literally ripped people off.
Speaker 6: He would get a client and he'd do their payroll
Speaker 6: and instead of paying payroll taxes, he just told the
Speaker 6: client he paid them. He told the irs that the
Speaker 6: client had no payroll, so the client would pay Ailey.
Speaker 6: Iley would just pocket the money and we figured about
Speaker 6: twenty million.
Speaker 5: Then he went to prison. Is he had a prison yet?
Speaker 5: Do you know Mark?
Speaker 8: Now I think he hung himself or killed himself or
Speaker 8: off himself or whatever you want to.
Speaker 6: He Oh, is he deceased, Oh, he's deceased. There were
Speaker 6: so many people hurt by him. Let's go to the folks,
Speaker 6: jill an issue.
Speaker 8: You forgot hold on, hold on, you forgot to finish
Speaker 8: the point to conversation.
Speaker 5: Yeah, go ahead, go ahead and finish the point with calculations.
Speaker 8: When this guy went to federal prison. One of the
Speaker 8: reasons they gave him I think they gave them twelve years.
Speaker 8: And remember this is an economic crime. That's pretty high
Speaker 8: for an economic crime, so they gave him the upper echelon.
Speaker 8: But the reason was the twelve million dollars that was
Speaker 8: definitely missing. It was probably more like twenty, but twelve
Speaker 8: that was definitely missing had never been found. In other words,
Speaker 8: none of the cash was there. So I brought up, okay,
Speaker 8: ten years in prison. It's federal, so you automatically get
Speaker 8: twenty percent. That brings it down to eight years in prison.
Speaker 8: Eight years in prison, you get out. You have twelve
Speaker 8: million bucks. You make one point two million dollars a
Speaker 8: year for sitting your ass in the can?
Speaker 7: Would you do it? That was the question.
Speaker 6: Yeah, I'm wondering if there are people, I mean, and
Speaker 6: now you'd probably even get less time done.
Speaker 8: This is Martha Stewart Prison. This ain't someplace in New
Speaker 8: York or you know. This is Martha's Stewart Prison.
Speaker 6: Yeah, it's it's amazing. So we we were bantering that around.
Speaker 6: Would you take a million dollars a year to sit in?
Speaker 10: Point?
Speaker 7: Do you? Mark Schamansky? A million a year one point
Speaker 7: two a year for eight years?
Speaker 10: Eight years? That's tough. I don't think I could do.
Speaker 7: It now, that's a long time.
Speaker 5: The eight years is hard.
Speaker 6: Maybe if you got it down to two or three
Speaker 6: and then you had a take of five or six.
Speaker 5: I don't know.
Speaker 6: I I rather have my chances on the outside making money.
Speaker 6: What about your deputy.
Speaker 11: D Yeah, no chance. I don't want to give up
Speaker 11: eight years of my life. Even at Martha Stewart's prison.
Speaker 11: It sounds like a really nice place.
Speaker 7: I heard that you get free reach arounds.
Speaker 5: Dude, Look, hey, Mark, did you did you? Can we sit? Oh?
Speaker 5: I don't know, I don't know. I don't know.
Speaker 6: I wish I had a delay, but never mind, I'm
Speaker 6: not even going to repeat it. But that one right
Speaker 6: over Shannon's head unless it doesn't mean anything.
Speaker 5: I mean, I guess it doesn't.
Speaker 6: You could scratch somebody's back or yeah, okay, So anyway,
Speaker 6: let's continue with this worker's compting that we didn't even
Speaker 6: start gl talk.
Speaker 5: To us about the workers com problem.
Speaker 6: What I like you to do is just start and
Speaker 6: then I'll ask questions.
Speaker 12: All right, Well, here's the deal. My wife fell at
Speaker 12: work back to the beginning of the month.
Speaker 5: Just this, just at the beginning of June.
Speaker 6: Yeah, yeah, okay, good, I'm glad we're getting this early.
Speaker 12: Well, yeah, she works at the airport. She slipped and fell.
Speaker 12: There's still not one hundred percent sure how she slipped
Speaker 12: because she wears flip resistant shoes, but there was multiple
Speaker 12: witnesses to it. Anyhow, she was taken to the hospital.
Speaker 13: X rays were done.
Speaker 12: She has a fractured ankle and left or excuse me, right,
Speaker 12: and multiple stress fractures of her right foot. Ctcands have been.
Speaker 5: Done the orthopay Mark Mark, do you recall?
Speaker 6: I want to ask Major Mark, Major Mark, do you recall?
Speaker 6: Does the HL theory apply for workers comp You get
Speaker 6: your worker the way you have them, and if they're
Speaker 6: weak and more damages happen.
Speaker 7: Then No, not really, not not really.
Speaker 8: It's a lot different because you give up the right
Speaker 8: to sue your employers.
Speaker 7: So the rules also.
Speaker 6: But what I mean is if his let's just say
Speaker 6: his wife was frail and another woman is not free,
Speaker 6: I know exactly what you mean it, I know, but
Speaker 6: don't they both suffer if they both suffer the same fall,
Speaker 6: do you have to pay more because a person was
Speaker 6: frail or had pre existing injuries?
Speaker 5: I don't know the answer to that.
Speaker 7: Work, the injury is going to be it.
Speaker 8: Whatever the injuries are is going to be handled, regardless
Speaker 8: if they were frailers.
Speaker 5: Okay, you can keep going with your story. This is
Speaker 5: we're just thinking out lots of other people.
Speaker 7: No, no, let's ask.
Speaker 12: There's multiple there's multiple.
Speaker 5: Parts to this, all right, but let's Lorna get one
Speaker 5: at a time.
Speaker 6: Go ahead. So so it's the beginning of June. Did
Speaker 6: she filed workers comp right?
Speaker 13: Right? Right?
Speaker 10: Ohkay, got it?
Speaker 12: She was taken to the University hospital. They did X
Speaker 12: rays and whatnot, determined what what what what the deal was.
Speaker 12: Ten days later she saw the orthopedic surgeon and they
Speaker 12: took the cast off, did new X rays and then
Speaker 12: put a new cast back on center for ct scam.
Speaker 12: This past Tuesday, the Workman's comp insurance sent her to
Speaker 12: see sent her to Concentra to see the regular workman's
Speaker 12: comp doctor.
Speaker 6: That's called a that's called an independent medical examiner. They're
Speaker 6: they're not independent, They're often not qualified. I I hate
Speaker 6: what the imes they call them so well, so she
Speaker 6: was sent she was sent to an I M.
Speaker 13: Right.
Speaker 12: So he said that she is able to go back
Speaker 12: to work as of course yesterday on her duty. Sure,
Speaker 12: the orthopedic surgeon is on his report. He wants her
Speaker 12: off work at least until the end of July, by
Speaker 12: his statement or by everything he says. So when she
Speaker 12: was there yesterday, saw our Tuesday, saw the other doctor.
Speaker 12: One of the things I brought up, it was brought up,
Speaker 12: is well number one, since it's her right foot ankle,
Speaker 12: she can't drive, she is uncrutches, she's having extreme her Does.
Speaker 5: Her surgeon say, yeah, and you don't have to sell
Speaker 5: it to us. I mean, we're we take.
Speaker 6: You out, you know, so we don't have to waste
Speaker 6: that time. We're going to take for argument's sake. Everything
Speaker 6: you're saying is true. She still has injury and pain
Speaker 6: and misery and on a crutch. And did her surgeon though,
Speaker 6: did her surgeon say she could work at all?
Speaker 5: Or what? What was his actual recommendation?
Speaker 12: He just wants her off her feet period? His recommend Well,
Speaker 12: what what to do?
Speaker 5: What to do? What to sit at home? What did
Speaker 5: he say?
Speaker 10: You?
Speaker 6: You can't go out, you can't go to the supermarket,
Speaker 6: you can't do anything.
Speaker 12: I don't have the paperwork in front of me, but
Speaker 12: he said it's non weight bearing four to six week.
Speaker 5: We got it, okay, So keep going.
Speaker 12: Then then what so her employer called yesterday afternoon, late
Speaker 12: in the day and said, well, we think we can
Speaker 12: make accommodations for you to come to work. She works
Speaker 12: in a restaurant. He says, you know, we can get
Speaker 12: a chair.
Speaker 5: Was she was she a service? Was she a server? No?
Speaker 12: She just worked the counter.
Speaker 5: All right? So, okay, keep going with the story. So
Speaker 5: what's going on now here?
Speaker 12: Here's so so, like I said, she cannot negotiate stairs
Speaker 12: without assistance. Her employer, okay's for a bus.
Speaker 14: Pass, but got it?
Speaker 12: No way now to get back and forth to the
Speaker 12: bus and on crutches. She's you know, it was one hundreds.
Speaker 6: That's not part of the work. That's not part of
Speaker 6: the Let me explain something to you. The only thing
Speaker 6: that matters is if she can work or not, and
Speaker 6: how much work she can do, and if they accommodate her.
Speaker 6: Now getting to in front of a bus and all
Speaker 6: the other peripherals have nothing to do with the work
Speaker 6: comp claim. And you can't say, for example, I can't
Speaker 6: get a ride to work, and even though I'm cleared
Speaker 6: to work, I can't.
Speaker 10: That's not an excuse.
Speaker 6: If she can't get there for the light duty, they
Speaker 6: can terminate her. Or here's something else people don't realize.
Speaker 6: And I hope we get we can get cliff Enton on.
Speaker 6: But here's another thing people don't realize, and that is
Speaker 6: they can fire her at any time if she can't
Speaker 6: do any job and they can't accommodate her, they're not
Speaker 6: forced to accommodate her. Hold on a second, Geoe, we're
Speaker 6: going to try to connect with this attorney. It gets
Speaker 6: you some really good information. And then we have Darryl Rogers,
Speaker 6: Shirley and much more coming up, along with a houseful
Speaker 6: of deputies and helpers and Major Markmouth to Major Mark
Speaker 6: Major and me so stay tuned.
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Speaker 6: Hi Tom Martino here, Welcome to the show Man. We're
Speaker 6: starting off with a bang here. Cliffenton, by the way,
Speaker 6: our expert for workers comp and he also does personal injury.
Speaker 6: I'll give you his contact info, but Cliff recommends you
Speaker 6: talk to an attorney, even if you don't hire one
Speaker 6: right away. You talk to him and get him on
Speaker 6: board so they know what they're talking about and they're
Speaker 6: familiar with the case. He'll take a few notes and
Speaker 6: then if you need him and call him back, it's there. Hey, Cliff,
Speaker 6: this one happens quite a bit. She was injured at
Speaker 6: the beginning of March I'll excuse me, June.
Speaker 5: It's a simple story.
Speaker 6: She was injured and then she went to university hospital,
Speaker 6: then to an ime.
Speaker 5: The ime says she can return to light.
Speaker 6: Duty right now, and her orthopedic surgeon, though, says she
Speaker 6: should stay off her feet completely. So I need to
Speaker 6: know what about conflicting reports? What does she do? Plus
Speaker 6: she has a plethora of other problems that I don't
Speaker 6: believe come into the claim, like she can't drive and
Speaker 6: her ride would be difficult to get to get even
Speaker 6: to the bus station is hard. Just a litany of
Speaker 6: problems you hear every day. But Cliff, what about this case?
Speaker 6: If one doctor says light to be, the other doctor
Speaker 6: says she can't do anything.
Speaker 16: Good morning, Tom, How are you good?
Speaker 10: Cliff?
Speaker 6: Thank you for being here. We certainly miss your voice.
Speaker 14: Well, I appreciate that.
Speaker 13: You know.
Speaker 16: That is a very interesting question. It comes up more
Speaker 16: than you would think. Yes, generally speaking, the opinion of
Speaker 16: what's called the ATP, which stands for authorized Treating physician,
Speaker 16: that's kind of the primary care physician on the work
Speaker 16: comp case with Trump, that of a specialist. What I
Speaker 16: would recommend and what we would do is we would
Speaker 16: contact the adjuster, contact the insurance company and say, hey, listen,
Speaker 16: you really need to be listening to the orthopedic doctor,
Speaker 16: the expert, rather than the physiatrist or just the authorized
Speaker 16: treating physician. Nothing that mandates them to go with the
Speaker 16: one that's more favorable to the claimant.
Speaker 14: That's not what the law is.
Speaker 16: Can rely on the ATP, or if it was vice versa,
Speaker 16: they could rely on the ATP.
Speaker 6: So right now though that right now, the primary case
Speaker 6: care I'll call it not you know, it might not
Speaker 6: be his primary care doctor, but this primary doctor for
Speaker 6: the case literally trump's the surgeon.
Speaker 16: Yes, I mean someone's got a legally yes, as a
Speaker 16: practical matter, most of the time, the primary care physician
Speaker 16: or the ATP will listen.
Speaker 10: To the surgeon.
Speaker 5: Okay, now here's what I want to know.
Speaker 16: Contact. We'd write a letter to the ATP and say, hey,
Speaker 16: why are you disagree with doctor X. He's the board
Speaker 16: certified orthopoxic Yeah.
Speaker 6: So did your doctor? Did your attorney do anything like this?
Speaker 5: Joe?
Speaker 6: Did your attorney write a letter to get them to
Speaker 6: talk or to find out why there's a discrepancy?
Speaker 5: Did or do you not have an attorney yet? Is
Speaker 5: he there?
Speaker 6: I guess if he's not there, we can just move Geo, Geo, listen,
Speaker 6: have you have you talked has your attorney talked to
Speaker 6: the doctors? Okay? Now, okay. The fact that you haven't
Speaker 6: talked to an attorney, and cliff Enton is one of
Speaker 6: our preferred attorneys on referral list, I just want to
Speaker 6: make it clear that that what he does here is
Speaker 6: free of charge. But if you want to retain him,
Speaker 6: that's a separate issue altogether. But he's a great attorney.
Speaker 6: I just want to be transparent about that. We're not
Speaker 6: on trying to get you to hire him. He's just
Speaker 6: giving you information with no obligation. So jeou right now,
Speaker 6: you haven't talked to anyone really about the discrepancy. You
Speaker 6: didn't ask the surgeon. Hey, my other doctor says she
Speaker 6: can do like duty. Did you did you actually have
Speaker 6: a conversation with either doc?
Speaker 12: So she saw the the iam as you call it,
Speaker 12: on tuesday, she saw the orthopedics last week. That's when
Speaker 12: he said that she needed to be off of her
Speaker 12: feet five four to six weeks, but she needed to
Speaker 12: be stay.
Speaker 5: Off of it. Now, did you go back to the employer.
Speaker 6: Did the employer say that they could give her light
Speaker 6: duty off.
Speaker 17: Her feet, not until yesterday. And what was the final
Speaker 17: word yet? Just get to that, okay, I don't want
Speaker 17: to recap everything. What was the final word from the
Speaker 17: employer yesterday as far as light duty staying off her feet?
Speaker 12: All they said was, well, we can find you a
Speaker 12: chair maybe.
Speaker 5: Okay, she This is my opinion. I don't know what
Speaker 5: Cliff will say.
Speaker 6: My opinion is she shows up ready for work, and
Speaker 6: if she can do it, she does it.
Speaker 5: And if they don't accommodate her, then she can't do it.
Speaker 6: Cliff, wouldn't that be the safe thing to do so
Speaker 6: she doesn't get terminated?
Speaker 16: Yeah, because the real danger is, well, hey, if they're
Speaker 16: making a job offer of modified duty, they have to
Speaker 16: do that in writing saying hey, you know these are
Speaker 16: the restrictions. We can accommodate the restrictions. Well, I don't
Speaker 16: know if they've done that yet or not.
Speaker 6: But did you get a letter from the employer saying
Speaker 6: how they would accommodate her.
Speaker 13: Not yet?
Speaker 5: Okay.
Speaker 6: What you do is have her contact her employer. Have
Speaker 6: her contact her employer and say, please give me a
Speaker 6: letter noting the light duty accommodation and I will report
Speaker 6: for work, okay.
Speaker 12: But what about you feel the fact that it's going
Speaker 12: to be extremely difficult to get to a same work.
Speaker 6: That part doesn't play into to it. It's it's it
Speaker 6: really does it.
Speaker 12: It would cost us, It would cost us one hundred
Speaker 12: and twenty dollars a day for her to get to
Speaker 12: and from work. She would have to take an over.
Speaker 5: Geo, I can't solve that problem for you. I mean,
Speaker 5: could you imagine the mess our system would be in
Speaker 5: if our system had to pay for people to get
Speaker 5: to and from work.
Speaker 6: I mean, it just doesn't work that way. It's not
Speaker 6: part of the injury. It's it's not part of the treatment.
Speaker 16: What part of her injury prevents her from getting to
Speaker 16: work as she only did.
Speaker 12: Her right ankle and foot is broken, so she cannot
Speaker 12: drive and because having extremely difficult time on crutches navigating
Speaker 12: there could cliff what do they do to get on
Speaker 12: and off the box?
Speaker 5: Well, I mean I get it.
Speaker 6: GEO made his case that she's one hundred percent unable
Speaker 6: to get to work. There, unable to get to work
Speaker 6: without spending one hundred and twenty dollars a day. So
Speaker 6: what happens in a case like that, Cliff. I mean,
Speaker 6: let's talk about the cold heart system.
Speaker 5: How does it work.
Speaker 6: Do they say, oh, this woman's she's going to get
Speaker 6: one hundred and twenty dollars a day from us because
Speaker 6: she's different than Mary Smith down the street who only
Speaker 6: needs a five dollars.
Speaker 16: No, they don't have to pay for her transportation to work.
Speaker 16: You're absolutely correct and that, and for for the reasons
Speaker 16: that you uh said. The basically everybody's responsible for getting
Speaker 16: to their job. However, let's say that you know you're
Speaker 16: on narcotics for your injury and you can't safely drive
Speaker 16: that the argument could then be made, hey, I really
Speaker 16: can't get to work. That that's a restriction that prevents
Speaker 16: me from getting to work. I can't safely do that.
Speaker 16: There's it's a very gray area. It's a matter that
Speaker 16: you would that we would negotiate with the adjuster. We'd
Speaker 16: call the adjuster and say, hey, you know, this isn't reasonable.
Speaker 16: The person's on narcotics, they can't get to work, the
Speaker 16: person has a broken angle ankle.
Speaker 6: I think what they're going to do is fire, and
Speaker 6: I think she's going to get fired. And I and
Speaker 6: Cliff they have every reason to fire her if she
Speaker 6: says I can't get to work, that they're going to
Speaker 6: fire her.
Speaker 16: So GEO just that the becomes a wrongful discharge thing,
Speaker 16: which we don't do. That's a whole different area.
Speaker 8: Of the law, guys. I want to steer this a
Speaker 8: different direction real quick. Then we'll take a break. But Cliff,
Speaker 8: just a couple questions. One, what is the status of
Speaker 8: people going at something alone during a workman's comp in
Speaker 8: collecting money or getting money compared to someone with an attorney.
Speaker 8: Is there stats out there like that for workmen's comp.
Speaker 16: You know, I don't know that there's specific stats, but
Speaker 16: I've been doing this for thirty years and I can
Speaker 16: tell you that it's a rare case where someone's going
Speaker 16: to call the insurance company and then all of a
Speaker 16: sudden going to say, oh, yeah, you're right, we're wrong.
Speaker 10: Here, we're going.
Speaker 16: To pay you a temporary to little disability. Hey, we're going
Speaker 16: to give you all this all this money. I do
Speaker 16: know that statistically, although I don't know the exact stet,
Speaker 16: you're much more likely you get a fair impairment rating
Speaker 16: fair medical care with an erect protected when you have
Speaker 16: well yeah.
Speaker 6: Because first of all, they know they know they can't
Speaker 6: bs them. Now get I gotta get to this break.
Speaker 6: But here's what I want to say, Daryl. You have
Speaker 6: a legit issue if she can't get to work. But
Speaker 6: remember they don't have to make each and every accommodation.
Speaker 5: So as soon as you tell them she can't return
Speaker 5: for light duty with restrictions, they're going to fire her.
Speaker 5: So it doesn't sound like it's the most stellar job
Speaker 5: in the world.
Speaker 6: She'll still get this case going, she'll still get what's
Speaker 6: coming to her on this case, and she find another job.
Speaker 5: I don't know what else to say, Daryl.
Speaker 6: Because systems are not set up to accommodate people. We
Speaker 6: don't have a nanny government. And again I'm not saying
Speaker 6: you're asking for that, Daryl. Trust me, I know you're
Speaker 6: in a hard place there, and I'm not making fun
Speaker 6: of you or anything.
Speaker 5: I'm just saying the system.
Speaker 6: The government is not set up for each and every person. Okay,
Speaker 6: it's very, very difficult unless you came to the country illegally.
Speaker 6: Now we have more coming up on the Troubleshooter Show.
Speaker 6: Let me give you Cliff Enton's contact Enton E. N T. E.
Speaker 6: N Entin Law dot Com. Three o three three three
Speaker 6: three two two two two. That's three oh three three
Speaker 6: three three two two two two.
Speaker 15: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 15: dot com. You don't pay a cent until you're content.
Speaker 15: Time for an insurance check up free, no obligation. In comparison,
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out now three oh three seven
Speaker 15: seven to one.
Speaker 4: Help.
Speaker 15: You'll think you're his only customer when you choose Frank
Speaker 15: durand the real estate Man dot com to list your
Speaker 15: home with Remax Alliance three oh three nine two zero
Speaker 15: sixteen twenty two.
Speaker 6: Hi Tom Martino here by did I tell you? You
Speaker 6: can also text me on the show now iHeart has
Speaker 6: a short code five seven seven thirty nine. Just text
Speaker 6: me there or I have my private line. And by
Speaker 6: the way, it is private. I carry it all the time,
Speaker 6: so if you text me at night, I'll get it
Speaker 6: and I put it in a folder to call you
Speaker 6: back on certain problems. And this number you can even
Speaker 6: text me about Wave eight Capital or whatever you want.
Speaker 6: Now here it is seven four seven nine fifty two
Speaker 6: eighty And the way I remember seven four to seven
Speaker 6: is a big giant jumbo jet. I love nine nine
Speaker 6: nine is because you can't do ten ten ten and that's.
Speaker 10: The closest to perfection.
Speaker 6: And fifty two eighty for the Mile High City seven
Speaker 6: four seven nine nine nine fifty two eighty. We have
Speaker 6: Mark Schmanski with us, and we'll be talking about issues
Speaker 6: with stucco, because I'm getting some questions on stucco.
Speaker 5: Some people I believe don't even know if they have stucco.
Speaker 6: But I know Mark, along with Genesis Total Exteriors has
Speaker 6: just about everything with UH when it comes to stucco
Speaker 6: as far as knowledge and execution. Darryl right now has
Speaker 6: an issue with an attorney. Darryl, what's going on?
Speaker 13: Both?
Speaker 14: Yes, I have an issue with an attorney. I acquired
Speaker 14: this attorney last November eighteenth, and I spoke with him
Speaker 14: about some problems that were going on with me and
Speaker 14: my family.
Speaker 13: Basically, my mother is, well, give me.
Speaker 5: Give me some specifics.
Speaker 6: Like you, it's pretty odd to hire an attorney to
Speaker 6: go after your family unless there's something going on, like specifically,
Speaker 6: was it just was somebody about to die, or did
Speaker 6: it have to do.
Speaker 5: With an estate or what?
Speaker 14: Well it has to do with an estateium and yes,
Speaker 14: my mother getting old. What was going on? Was my
Speaker 14: my mother? She voice to me years before that her
Speaker 14: pension had stopped and she didn't she didn't know why.
Speaker 14: This was back in twenty fifteen or twenty sixteen, and iiate,
Speaker 14: I immediately thought that my sister had.
Speaker 10: Something to do with it, and did you look into it?
Speaker 14: Well, I the way I looked into it was I
Speaker 14: tried to I did acquire this attorney, and he told me, okay.
Speaker 5: So that's one of the reasons you hired the attorney.
Speaker 6: You thought the sister somehow might have cashed out that
Speaker 6: pension or something.
Speaker 5: Yes, yes, okay, okay, I would she.
Speaker 7: Have done that without your mom's permission? Did I miss
Speaker 7: something or was she?
Speaker 10: Well?
Speaker 14: What she did was you know, with my mother not
Speaker 14: really knowing. Took her to my mother's bank and sat
Speaker 14: my mother down. I was there, went up to the
Speaker 14: tell her, got some paperwork, brought it back over and
Speaker 14: to my mother and basically made like my mother signed
Speaker 14: it and took it back to the teller. That was
Speaker 14: for her social security. But the pension part, my mother
Speaker 14: told me that she was going to have quite as
Speaker 14: she said, is no way, I'd spent all this money
Speaker 14: and I'm going to have you know X amount of
Speaker 14: dollars for you and your sister to split. And I
Speaker 14: know it. My sister was going through some things with
Speaker 14: her own family.
Speaker 6: Yeah, yeah, no, I understand this. It's all circumstantial. But
Speaker 6: here's what I want to know. When you hired an attorney,
Speaker 6: and remember, this is not an estate right now, this
Speaker 6: is not This is a private family matter, and basically
Speaker 6: no one has to tell you anything. But there are
Speaker 6: things he should have asked. We'll go over that coming
Speaker 6: up right after this.
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Speaker 4: Help.
Speaker 15: You'll think you're his only customer when you choose Frank
Speaker 15: durand the real estate Man dot com to list your
Speaker 15: home with Remax Alliance three all three nine two zero
Speaker 15: sixteen twenty two.
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Speaker 6: you're plumbing everything. So that's three oh three eight six
Speaker 6: two five five five four. Darryl has an issue with
Speaker 6: the family at you. And you know, here's the thing.
Speaker 6: He hired an attorney because he suspected his sister was
Speaker 6: somehow or somehow diverted the pension to her, because the
Speaker 6: mom said, my pension stopped back in twenty sixteen. But
Speaker 6: my god, it's taken you so long to get around
Speaker 6: to this. Did you ever did you actually sue your
Speaker 6: sister or when you hired an attorney, what action did
Speaker 6: the attorney take.
Speaker 14: Well, the attorney said, well, the first thing you're going
Speaker 14: to have to do is get conservativeship and guardianship over
Speaker 14: your mother.
Speaker 10: All that's not true.
Speaker 6: I mean, in other words, you just wanted to know
Speaker 6: what happened with the pension. You can do that with
Speaker 6: your mother's permission. Your mother would give you permission to
Speaker 6: access her account and work directly with the insurance company
Speaker 6: with the pension. You wouldn't. You don't have to do anything.
Speaker 6: I don't know why your attorney would tell you that.
Speaker 14: Yeah, he told me that. But my mother has dementia
Speaker 14: and so.
Speaker 6: So she can't grant you. She can't grant you a
Speaker 6: power of attorney to look at that account.
Speaker 14: Well, my sister she had got in power of attorney
Speaker 14: through someone at her job about a year ago.
Speaker 5: Just you mean somebody at her job helped her get it.
Speaker 14: Yes, she has a notary at her job.
Speaker 5: And well, okay, all a notary does is, let's not
Speaker 5: even get into it.
Speaker 6: A notary just says this person signed this document. They
Speaker 6: do nothing about the formation of a document or anything.
Speaker 6: Not one thing, not one thing do they do if
Speaker 6: there's words spelled wrong and it's totally gobblygook, they do
Speaker 6: nothing except certify that or notarized that you signed it.
Speaker 6: That's all. That's the only function they have. So who
Speaker 6: drew up this document?
Speaker 14: Who was a person at her job, a secretary or
Speaker 14: do you have a copy of it. No, I don't.
Speaker 14: She didn't and that was the problem. I never did
Speaker 14: get to see it. When when when she first said that.
Speaker 5: You how many siblings are there? When you when you
Speaker 5: get it, when your answers.
Speaker 6: Get too long, I need to okay, So just you
Speaker 6: and her, just you and her? And how much money
Speaker 6: do you estimate where it was in the pension?
Speaker 14: Well, my father who's deceased, he told me, now none
Speaker 14: of that matters.
Speaker 5: I need to know what you think was in the
Speaker 5: I just need to know how much you think the.
Speaker 14: Pension two hundred and fifty thousand dollars, which was that was.
Speaker 5: Still in it? That was still in it?
Speaker 14: Yeah?
Speaker 5: Okay?
Speaker 6: Now could you could you in a friendly way stay
Speaker 6: to your sister. I'm concerned about this pension and put
Speaker 6: it this way. I think maybe the company might have
Speaker 6: screwed her. We should look into why it stopped. Can
Speaker 6: you help me out? Would she help you?
Speaker 14: No, she wouldn't help me because I did ask Well
Speaker 14: before I could even ask her, she said, Mom spent
Speaker 14: all her money and she's not going to be able
Speaker 14: to ford her house.
Speaker 6: The the So did she say that she took it?
Speaker 6: Did she say she took advanced payments.
Speaker 14: No, No, she didn't say anything like that.
Speaker 6: Well, there's a reason. There's a reason pensions stop. There's
Speaker 6: a reason. Okay, right, they don't just stop. What kind
Speaker 6: of a pension was it?
Speaker 14: It was a pension from my father's employment.
Speaker 10: Okay, all right, it was it was.
Speaker 14: It was two hundred and fifty dollars put up in.
Speaker 14: The interest off of that was probably fifty maybe a
Speaker 14: little over five thousand dollars.
Speaker 5: Okay, So how much did she get? How much did
Speaker 5: she get each.
Speaker 14: Month the pension was I believe it was like fifty
Speaker 14: four hundred fifty five hundred. And she also has a
Speaker 14: Social Security which is about sixteen hundred.
Speaker 5: So okay.
Speaker 14: My mother was saying, so.
Speaker 6: You think, here's the bottom line, you think your sister
Speaker 6: is screwing your mom? Is you think your sister did
Speaker 6: away with her pension and kept the money.
Speaker 5: Hold on and.
Speaker 6: I'm going to see what we can do. I'm just
Speaker 6: going to see what we can do. Let's try to
Speaker 6: get mackenzie on if we can. Dan would be a
Speaker 6: good one if he can talk about this. What do
Speaker 6: you do when you think someone's cheating? How do you
Speaker 6: open this up? It happens more and more families.
Speaker 5: Mark.
Speaker 6: I don't know if you've noticed, but man, the calls
Speaker 6: have multiplied on families going after families over estates. So
Speaker 6: stick around for this and more on The Troubleshooter Show.
Speaker 15: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 15: dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance checkup free, no obligation in comparison
Speaker 15: call Compass Insurance. Pay too much your coverage at dozens
Speaker 15: of insurance companies find out now three o three seven
Speaker 15: to seven to one help. You'll think you're his only
Speaker 15: customer when you choose Frank durand the real estate Man
Speaker 15: dot com to list your home with Remax Alliance three
Speaker 15: oh three nine two zero sixteen twenty.
Speaker 10: Two d.
Speaker 1: News needed by so you.
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Speaker 3: Dix is the Troubleshooter Show.
Speaker 10: Now Tom Martino, Tom Martino here, Welcome to the show.
Speaker 6: Three zero three seven one three talk three oh three
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Speaker 5: What's going on? How can we help you? We ask
Speaker 5: it every day forty.
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Speaker 6: show on the radio with the same host currently on
Speaker 6: the air, and.
Speaker 5: By the way, that does not escape me. Then it
Speaker 5: could have been over.
Speaker 6: And I'm so happy to be back here, and I'm
Speaker 6: over the next few months, just says in a service
Speaker 6: note here, I'll be up and down based on my
Speaker 6: post surgery chimo, which they're doing.
Speaker 5: As a blast for caution, so that today is one
Speaker 5: of those days.
Speaker 6: Just thought I mentioned it because I usually sound like
Speaker 6: one hundred times better than Mark, but today I'm only
Speaker 6: fifty times better, so I'm sure you noticed. And Dan
Speaker 6: McKenzie is an expert that I wanted to get on because,
Speaker 6: oh my god, he's an estate planning attorney and he
Speaker 6: helps a lot of people.
Speaker 5: And this happens so much. I just it's outside of probate, Okay,
Speaker 5: totally outside of probate. Dan. The mom has dementia, the
Speaker 5: oldest daughter. There's just two of them.
Speaker 6: There's Daryl who called us, and his sister, and back
Speaker 6: in twenty sixteen her pension stopped. The mom said, I
Speaker 6: thought I had a lot more money in there. She
Speaker 6: was getting a lot of money, like five thousand a
Speaker 6: month or almost five thousand, and suddenly the payment stopped.
Speaker 6: Right around that time, the daughter had a durable power
Speaker 6: of attorney. Suspects that his sister got the money somehow,
Speaker 6: so he called an attorney and what I'm not clear on, Darryl,
Speaker 6: what did your attorney say to do?
Speaker 5: What?
Speaker 6: Let's check that first. What did your attorney say to do?
Speaker 14: He told me there is no way your sister should
Speaker 14: be doing that. And he said, what you need to do?
Speaker 6: Well, if she wait, if she did do it, if
Speaker 6: she did do it, there's no way she should be
Speaker 6: doing that.
Speaker 5: Of course not.
Speaker 14: Yeah, yeah, this way he came in.
Speaker 5: But did he say did he say he would he
Speaker 5: would find out what she did?
Speaker 6: If anything, there's a paper trail somewhere, right right exactly.
Speaker 14: He told me there's a paper trail somewhere, and he says,
Speaker 14: the best thing you should do is get conservativeship and guardianship,
Speaker 14: so you can so you.
Speaker 5: Can put Darryl Dryld.
Speaker 6: Okay, but but you come out of the blue for guardianship.
Speaker 6: Who has guardianship right now? And that's not a power
Speaker 6: of attorney, just so you know. Okay, So apparently apparently
Speaker 6: then she's not incompetent.
Speaker 5: And what if you went over.
Speaker 14: There, she only got Why don't you a year A
Speaker 14: year ago.
Speaker 5: Okay, a year ago?
Speaker 6: Okay, Then I don't know what she did back in
Speaker 6: twenty sixteen.
Speaker 5: I don't know, but.
Speaker 6: You you can ask your mother, chick, why doesn't your
Speaker 6: mom get a full accounting of her pension? And then
Speaker 6: we'll see what happened to the balance of the money.
Speaker 6: What she well she has to do. Why can't she
Speaker 6: do it?
Speaker 14: I can't do anything right now because she's eighty seven
Speaker 14: with dimension in the last stages.
Speaker 5: I mean, okay, okay, you said she's not declared dementia.
Speaker 5: She doesn't have a guardian. So here's what you do.
Speaker 6: Instead of being assigned I mean, you can be assigned
Speaker 6: a guardian, But how about getting her to sign a
Speaker 6: power of attorney. Ask your attorney to write something up
Speaker 6: for her to sign. Get her to sign it. No
Speaker 6: one says she's just you know, if no one's disputing
Speaker 6: her mental health right now, get her to sign. And
Speaker 6: now listen, you're not talking to Dan McKenzie. Dan, what
Speaker 6: do you do in a case like this? The mother
Speaker 6: has to mention the sister has a power of attorney,
Speaker 6: and I don't even know what the power of attorney
Speaker 6: is for?
Speaker 5: Is it a durable power? Attorney? For everything?
Speaker 10: Darryl?
Speaker 5: Does she take care of everything?
Speaker 14: She takes it right now because she's off she's a
Speaker 14: school teacher. She's off of school right now. She moved
Speaker 14: over to Yeah.
Speaker 5: I don't care about where she moved. All I want
Speaker 5: to know is does she take care of all the books?
Speaker 13: Yes?
Speaker 5: Yes?
Speaker 10: Okay?
Speaker 5: Now will she let you say them? Say? Hey, why
Speaker 5: don't you put it to her?
Speaker 10: This way? Hey?
Speaker 5: Mary, you know our mom's pension stopped in twenty sixteen.
Speaker 6: There might be money on the table somewhere. We should
Speaker 6: look into this. Would she help you look into it?
Speaker 14: No, she won't help me look into it. Why she is?
Speaker 14: I have no idea. She's just like that. She's so.
Speaker 5: Here's what I don't understand.
Speaker 6: Why does your attorney feel all you have to do
Speaker 6: is become is did he say you should open up probate?
Speaker 6: First of all, Dan mackenzie, can you even open probate
Speaker 6: when someone's still alive?
Speaker 13: Yeah?
Speaker 20: Yes, that is a conservative ship. That is a probate case.
Speaker 6: And and do you think that's good advice that he
Speaker 6: go for that? And the sister's going to object, right, Daryl,
Speaker 6: she's going to object.
Speaker 13: Right right, Okay, So when she had.
Speaker 5: When she had put oh hey, you already filed that,
Speaker 5: it would have been nice if you told.
Speaker 13: He took me through the like Like I said.
Speaker 14: I acquired this attorney on last November and we've gone
Speaker 14: through the whole thing. Had uh uh senior was the
Speaker 14: senior social caseworker come to the house.
Speaker 5: Okay, I'm okay, So you did you did file.
Speaker 6: You did file a motion with the courts to open
Speaker 6: a probate a conservative ship and take over. Right, So
Speaker 6: did your your sister knows you filed it.
Speaker 14: Now she does, Yes, she does, and she's got an attorney.
Speaker 14: And my attorney hasn't even told me that she has
Speaker 14: an attorney, but she has an attorney.
Speaker 6: So your attorney, let me get this straight. So your attorney,
Speaker 6: you have an attorney. So what was your Let's just
Speaker 6: go right to this. What was your question for Dan
Speaker 6: McKenzie today?
Speaker 14: My question for him is is it possible that I
Speaker 14: was trying to get the house not to go into
Speaker 14: probate court by applying my name, you know, even my
Speaker 14: sister's name on the property.
Speaker 5: Do not do, do not do a quit claim. Do
Speaker 5: not do a quit claim deed.
Speaker 6: I just posted something about that a quit claim deed
Speaker 6: is not a good idea.
Speaker 5: Okay, I don't want to go into I don't want
Speaker 5: to go into all the details.
Speaker 6: But it's always best, It's always best. Well, okay, let's
Speaker 6: say ninety eight percent of the time. I'm sure as
Speaker 6: an attorney, Dan McKenzie will say, you can't say always
Speaker 6: because sometimes, but most of the time, it's better to
Speaker 6: leave the house in a beneficiary deed or in a
Speaker 6: will because then you get the stepped up basement excuse me,
Speaker 6: basis of today's of today's value. So don't do stupid
Speaker 6: things like a quit claim deed.
Speaker 5: All you need to do is a beneficiary deed.
Speaker 6: But if you do a beneficiary deed, it's either going
Speaker 6: to be to you or your sister or both of you.
Speaker 6: So is your sister in favor of a beneficiary deed.
Speaker 14: My sister won't talk to me.
Speaker 5: Okay, you want talk to Dan, I'm throwing this in
Speaker 5: your lap.
Speaker 6: They want to make sure the house is preserved, but
Speaker 6: they're not even talking to each other. So I don't
Speaker 6: I don't know what do you do in a case
Speaker 6: like this, Dan, where siblings aren't even talking. Can you
Speaker 6: go to the court and say, hey, make her talk
Speaker 6: to me.
Speaker 20: I mean, that really is the conservatorship route, you know that.
Speaker 20: And the issue that is difficult is that when the
Speaker 20: mom is alive, she's given power of attorney to the sister,
Speaker 20: and really the sister's obligation is to the mom. She
Speaker 20: doesn't really have an obligation to her brother at this point.
Speaker 20: But Daryl, you can step into the shoes of your
Speaker 20: mom by becoming her conservator, and at least that process
Speaker 20: might squeeze out some information about exactly what's going on
Speaker 20: here because it is a it is.
Speaker 14: A core process.
Speaker 6: So when he applies for it, she's going to come
Speaker 6: and object, and that's where they can have this conversation
Speaker 6: about the pension and all of that. Would he be
Speaker 6: allowed to say, look, I'm doing this because there was
Speaker 6: some questionable activity with that would open it all up.
Speaker 20: Right, Yeah, I mean, I suspect you could do that.
Speaker 20: Once you're in a court case, You've got some discovery
Speaker 20: tower probably and could ask for some documents about exactly
Speaker 20: what's going on.
Speaker 6: So you're heading in the right direction, Daryl, Yes, But Dan,
Speaker 6: as far as the house goes as far as the
Speaker 6: house goes. He can't do a beneficiary's deed right now,
Speaker 6: unless I mean, if I mean he could, Yeah, I
Speaker 6: mean you're the sister would have to sign it, because
Speaker 6: she's the power of attorney.
Speaker 20: Only if that power of attorney gives her authority to
Speaker 20: do estate planning for on the mom's behalf. It's got
Speaker 20: to explicitly give her that power.
Speaker 6: And okay, so it depends on the power of the
Speaker 6: of the attorney, the.
Speaker 5: Power of attorney.
Speaker 14: Well, right now, the power attorney is just what it
Speaker 14: was over her finances because I got my attorney got
Speaker 14: through the courts an emergency conservatorship on my behalf so
Speaker 14: I could least try to go into the accounts to
Speaker 14: figure out what's going on. But the banks started giving
Speaker 14: me trouble and they start saying, well, why in your
Speaker 14: attorney doing this? You know, why are you doing this?
Speaker 14: So I never did get too far with the attorneys.
Speaker 14: I didn't get the did.
Speaker 5: It expire the temporary expire.
Speaker 14: It expired, then it was given back to me and
Speaker 14: we go to course.
Speaker 6: Okay, so right now, let me get this straight, Darryl.
Speaker 6: Right now, you have a temporary conservatorship right now.
Speaker 14: Yes, I do, Yes, I do.
Speaker 6: Okay, Man, you should have told me that upfront, because
Speaker 6: here's why, Dan McKenzie. He can go and get a
Speaker 6: complete accounting of that pension right now. Accountyp yep, Darryl,
Speaker 6: you can contact the pension company with that, with that conservatorship.
Speaker 6: Is there a Dan, how do you approve you have
Speaker 6: a conservatorship? Does he have a certificate of something that
Speaker 6: he can show the pension company?
Speaker 20: Yeah, he gets you should have emergency letters conservatives knowing
Speaker 20: that he is the cost.
Speaker 6: All right, here's what you do, Darryl or no, I'm
Speaker 6: not going to say here's what you do. We can't
Speaker 6: give you legal advice. He's on the error as an expert,
Speaker 6: and and I'm a host. But here's what we are saying.
Speaker 6: If it was me and Dan was advising me, I
Speaker 6: would go with that temporary conservatorship and take advantage of it.
Speaker 5: I would I would write right away.
Speaker 6: I would go back and demand a full accounting of
Speaker 6: that pension. That pension is wallpapered by law. They have
Speaker 6: every dime going in, every dime coming out. And if
Speaker 6: she cashed it out, and if she made herself a beneficiary,
Speaker 6: and then she could have done anything.
Speaker 5: So that's the.
Speaker 6: First thing you do. The second thing I want to
Speaker 6: ask Dan McKenzie. Does he have now that he has
Speaker 6: a conservatorship, though it be temporary, does he have the
Speaker 6: right to use that to do a beneficiary deed?
Speaker 7: Oh gosh, I don't know.
Speaker 20: Actually, I mean, I think conservativeship probably is limited to
Speaker 20: in some way just to do whatever the emergency addressed
Speaker 20: the emergency. And I don't know if a beneficiary deed
Speaker 20: is really an emergency issue.
Speaker 6: Well, but it could be a fiduciary item where he says,
Speaker 6: I am leaving this house to my sister and me
Speaker 6: for the benefit of the estate.
Speaker 5: Who would object to it?
Speaker 6: Would Does sister object Daryl to a beneficiary deed naming
Speaker 6: both of you?
Speaker 14: I don't know. At this point, she's so well, well, well,
Speaker 14: let me ask you.
Speaker 5: Does she think she's entitled to everything?
Speaker 14: Yes, she thinks she's entitled to everything.
Speaker 5: Why Why is that.
Speaker 14: Because she because she makes more money? I guess.
Speaker 10: Okay, listen to harrol Idea.
Speaker 14: She's because she said, she said, well, I'm can't afford
Speaker 14: this house. I'm going to have to come over there
Speaker 14: and and and help out with the with the uh,
Speaker 14: with the with the upkeep of the house.
Speaker 5: Is the house paid off, Darryl? Is the house?
Speaker 10: It is paid off off?
Speaker 14: And she was trying to make me pay rent at
Speaker 14: the same time. And I moved Why do I moved
Speaker 14: into the I moved in five years before she came there.
Speaker 5: So how long have you been living with your mom?
Speaker 14: I've been living with my mom since two thoy fifteen sixteen.
Speaker 5: The same time the pension went missing, right well, and
Speaker 5: your sister can blame you. Look at do me a favor, Daryl.
Speaker 6: We this just gets getting deeper and deeper, and you
Speaker 6: keep telling us new stuff like, for example, I have
Speaker 6: led with I have a temporary conservativeship with my mother
Speaker 6: that I'm living with. I mean, that's really so ask
Speaker 6: your attorney please, because I can't talk to him. I
Speaker 6: don't know if your attorney's doing good or bad. But
Speaker 6: the attorney did not give you bad advice as far
Speaker 6: as opening up a conservatorship. But now you got to
Speaker 6: use the powers of that conservatorship to find out one
Speaker 6: thing at a time. Find out what happened to the pension.
Speaker 6: Contact that company. Your attorney should write a letter to
Speaker 6: them and give a copy of the conservatorship and help
Speaker 6: you with this. Okay, he needs to help you with
Speaker 6: things like this. We got more coming up on the
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Speaker 15: Compass Insurance paying too much your coverage at dozens of
Speaker 15: insurance companies find out now three oh three seven seven
Speaker 15: to one help. You'll think you're his only customer when
Speaker 15: you choose Frank durand the real estate Man dot com
Speaker 15: to list your home with Remax Alliance three oh three
Speaker 15: nine two zero sixteen twenty two.
Speaker 6: Hi Tom Martino here Drew seven one three eight two
Speaker 6: five Let's keep going here and surely wants to talk
Speaker 6: about service and sales on a Cadillact.
Speaker 5: This is a pretty new Cadillact.
Speaker 10: Shirley.
Speaker 5: Did you buy it new?
Speaker 19: Hey?
Speaker 13: Yes, I did, Shirley.
Speaker 5: Where did you buy it from?
Speaker 19: Automation Dodge on Eastern rapa Home?
Speaker 6: Okay, man, we get a lot of complaints. Mark, have
Speaker 6: you noticed about that dealership?
Speaker 1: Really?
Speaker 13: Great?
Speaker 6: Well no, no, we get that particular dealership, that particular dealership.
Speaker 5: So tell me the issue.
Speaker 6: You bought a new twenty twenty four Cadillac and what's
Speaker 6: going on?
Speaker 13: They used them?
Speaker 19: It's a used one. It had oh use weet twenty
Speaker 19: one thousand miles on it. It's a twenty twenty four
Speaker 19: traded in a twenty twenty one Grand Jeep Cherokee. The
Speaker 19: price of the car, the Cadillac was thirty seven five.
Speaker 19: They gave us twenty seven five for a tradeing of
Speaker 19: the jeep, so that meant we had to come up
Speaker 19: with thirty or eleven thousand some.
Speaker 5: Which So how much did you get? How much did
Speaker 5: you get for that jeep?
Speaker 17: Oh?
Speaker 19: No, what did we get for originally?
Speaker 14: No?
Speaker 5: What did you what did they give you on your trade?
Speaker 6: You?
Speaker 19: Twenty seven five?
Speaker 5: Okay, yeah, you said that. I didn't get it. So
Speaker 5: then on that twenty seven to five, did you have
Speaker 5: a loan?
Speaker 13: No?
Speaker 5: No, okay, okay, keep.
Speaker 19: Going, okay, So we had to give them in turn
Speaker 19: eleven thousand some odd dollars, which was fine, no problem, right,
Speaker 19: except there were start right from the beginning, there were
Speaker 19: some red flags and I we kind of ignored them.
Speaker 19: But when we first started in on the process, we
Speaker 19: are here, how.
Speaker 5: We give me general start?
Speaker 19: They started the process and in the stack of papers
Speaker 19: to show you what all is going to happen and whatnot,
Speaker 19: in that pile was the warranty and it said no warranty,
Speaker 19: huge letters, no warranty. Well I went, I said, why
Speaker 19: on earth would it have warranty? And he said, oh,
Speaker 19: never mind that, and he just took it, took out
Speaker 19: a new warranty and marked it. Yes, okay, okay, all right,
Speaker 19: So immediately I he marked.
Speaker 6: It on the contract, on the purchase contract where it
Speaker 6: showed thirty seven to five minus twenty seven to five
Speaker 6: a balance due of ten grand, and then on the
Speaker 6: contract it says warranty, yes, yes, yes, okay. You know
Speaker 6: I can talk to your husband if you want me to.
Speaker 6: I can talk to him because I know he's behind
Speaker 6: you or you know, whichever is easier, So go ahead.
Speaker 6: So warranty marked, yes, go ahead, Yes, So.
Speaker 19: They changed it and we did have a warranty.
Speaker 5: So I felt, did you know did you know what
Speaker 5: kind of warranty?
Speaker 6: I mean a warranty could be like five miles. I
Speaker 6: mean when it said warranty, yes, what kind of warranty?
Speaker 19: Five years? No, five days or two hundred and fifty miles.
Speaker 5: Okay, So you know that for sure that's the warranty
Speaker 5: that was giving you.
Speaker 19: Yes, yeah, five.
Speaker 6: Days or two hundred and fifty miles. Okay, So keep
Speaker 6: going with your well, keep going with your story.
Speaker 5: Okay.
Speaker 19: So then I'm thinking, okay, I and originally I thought
Speaker 19: it said five days or two hundred and fifty miles. Well,
Speaker 19: we started having problems from day one, and by the
Speaker 19: time we got it back okay, I'll start back.
Speaker 6: It is it is five days or two hundred and
Speaker 6: fifty miles, whichever is shorter. That's the way it is
Speaker 6: in every warranty in the world. And it would have
Speaker 6: clearly would.
Speaker 5: Have clearly said that in your document, and I'll guarantee
Speaker 5: it does.
Speaker 19: Okay. Well, that's what we kept thinking, and he said No,
Speaker 19: it had to be both. It had to be under
Speaker 19: or on the fifth day. And yeah, only yes, only
Speaker 19: two fifty miles.
Speaker 13: Right, Well, were what a name is?
Speaker 6: Surely surely if it's over two hundred and fifty miles
Speaker 6: and it's the third day, you're out of a warranty.
Speaker 6: It either triggers in five days or it triggers at
Speaker 6: two hundred and fifty.
Speaker 5: Miles, whichever is sooner. You don't have two.
Speaker 6: Deadlines, you have one depending on when it happens. So
Speaker 6: the first five days you have coverage unless you hit
Speaker 6: two hundred and fifty miles. So are you saying you
Speaker 6: had a problem within the first five days but the
Speaker 6: warranty expired.
Speaker 5: Yes, if that's the case.
Speaker 6: Okay, what is the problem that surfaced.
Speaker 19: The day started rattling on our way home?
Speaker 5: What did it?
Speaker 6: What did it end up being? And I want to
Speaker 6: go right to the bad part. What problem did it
Speaker 6: end up having?
Speaker 19: Okay, So when I got home, I called back, can.
Speaker 5: You tell me? Can you tell me what the problem is?
Speaker 6: Get right to the part where it was diagnosed and
Speaker 6: they turned it down.
Speaker 5: What's the problem.
Speaker 19: I don't understand that.
Speaker 6: You don't understand the question it's the most basic question
Speaker 6: in the world. You're calling me because your new car
Speaker 6: had a problem. I'm asking what the problem was that
Speaker 6: they would not cover.
Speaker 5: Did did the warranty turn you down? Let me let
Speaker 5: me start there. Did they turn you down?
Speaker 17: No?
Speaker 19: They had me bring it back, okay, And then we
Speaker 19: did the which I did the very next day, day two,
Speaker 19: we took it back to have have. They said to
Speaker 19: bring it back and we'll fix it, which was fine.
Speaker 13: All right.
Speaker 19: So now we're on day two and.
Speaker 6: I don't I want to try not to go through
Speaker 6: each and every day. Could you just tell me what
Speaker 6: you're calling about. Listen, surely I'm interested in this, trust me.
Speaker 6: I just want to get to the problem, the problem.
Speaker 6: Then we work backwards. What is the problem that had
Speaker 6: you call us today?
Speaker 19: It was still rattling after they said they fixed it.
Speaker 5: Okay. Now the rattling. Is this rattling in the dash itself,
Speaker 5: like a mechanical rattle or does it sound like it's
Speaker 5: coming from the engine.
Speaker 19: No, it came from, of all things, where the sunglass
Speaker 19: holder is on the dash. It was rattling and it
Speaker 19: was making this horrible noise. So we took it back
Speaker 19: and they said, yeah, we fixed it, didn't didn't fix it.
Speaker 19: And the dashlights there were two dashlights that kept coming
Speaker 19: on so while and this was while it was under warranty,
Speaker 19: right absolutely.
Speaker 6: Yes, Okay, good because if they can't fix something under
Speaker 6: warranty and the warranty expires, that one item is still.
Speaker 5: They still have to fix it. But I got to
Speaker 5: give you some bad news.
Speaker 6: And the bad news is that rattle may not have
Speaker 6: been covered to begin with. It may have been an
Speaker 6: exclusion because usually noises and rattles are not covered.
Speaker 5: That's why I asked you if it was.
Speaker 6: A structural thing with the engine or the transmission or
Speaker 6: the drive train, or was it cosmetic like like you said,
Speaker 6: the mirror, the dash None of that will be covered
Speaker 6: under a warranty.
Speaker 19: Even like the light. The lights that flashed on that say.
Speaker 6: Caution, Well, if you have an idiot light come on,
Speaker 6: they should investigate the cause of that. But remember you
Speaker 6: had a right to investigate the cause of that as well.
Speaker 5: So what did it turn out to be? The lights
Speaker 5: going on?
Speaker 19: They never told us. They told us to bring it back.
Speaker 5: D What did you want to say? Go ahead, just
Speaker 5: hold on, de go ahead?
Speaker 1: Sureley? How many miles do you have in this Cadillac.
Speaker 19: Thirty good?
Speaker 1: Okay, good answer, that's okay, okay, you got to keep going.
Speaker 11: According to the Internet, the twenty four Cadillac Acts comes
Speaker 11: with a four year, fifty thousand mile bumper to bumper
Speaker 11: warranty from the manufacturer.
Speaker 5: Well, it may not be transferable in this case.
Speaker 11: Well, I've never heard of a bumper to bumper warranty
Speaker 11: that's not transferable.
Speaker 5: I've heard of plenty of them.
Speaker 6: First of all, if they don't do it in a
Speaker 6: certified fashion acceptable to the manufacturer, the certification does not
Speaker 6: carry through the secondary owner. Also, there's another one, and
Speaker 6: that is if that particular car was a Lemon buyback,
Speaker 6: you don't get the you don't get the extension and mark.
Speaker 6: There are a number of others that Hyundai has. Right
Speaker 6: conditions before bumper to bumper, it's all. It is what
Speaker 6: it is most of the time. On bumper to bumper
Speaker 6: it is what it is, but on the power train.
Speaker 10: But it has to be certified right.
Speaker 1: Well, and I agree with you answering, no, I would love.
Speaker 5: It if she has a manufacturer. Surely he's saying you
Speaker 5: have a manufacturer's warranty, right.
Speaker 11: Now and she can find out for sure whether the
Speaker 11: warranty is an effect and what the dashboard warnings are for,
Speaker 11: because that sounds more serious than a rattle. With a
Speaker 11: simple trip to the Cadillac dealership. Are you are you
Speaker 11: costing nothing to stop?
Speaker 5: Have you gone to a genuine Cadillac dealership?
Speaker 19: No, because we don't have one in our area. Where
Speaker 19: do you live in Yuma, Colorado?
Speaker 6: Okay, Well, it doesn't matter that there isn't one. You
Speaker 6: have to find one, and you have to have them
Speaker 6: take your VIN number. They run your VEN number to
Speaker 6: make sure that there are warranties or not, and and
Speaker 6: and then once you know.
Speaker 8: You can even call up talk to the service department
Speaker 8: and say, hey, I just bought this, tell me about
Speaker 8: the warranty, and then get it right.
Speaker 6: They can look up you're right, Mark, She can do
Speaker 6: that by phone and they can look up your VIN.
Speaker 5: How far is Yuma from Denver's?
Speaker 1: Probably?
Speaker 10: Wow?
Speaker 6: And so okay, would Denver be the closest place?
Speaker 19: Yeah, pretty much.
Speaker 6: Okay, why don't you call a Cadillac dealer to be with,
Speaker 6: given your VIN number and see if it's still under
Speaker 6: warranty and tell them you bought it used. Tell them
Speaker 6: the story. Don't tell the story about your problems. Just
Speaker 6: say I'm looking for a place to service my Cadillac.
Speaker 6: I bought it twenty twenty four with you know how
Speaker 6: many miles on it, and I'm looking to get it serviced.
Speaker 6: Is it's still under factory warranty? And if it is,
Speaker 6: your problems are solved.
Speaker 1: Oh, by the way, there is a Cadillac dealership in Greeley.
Speaker 1: It's called Cadillac.
Speaker 19: Yeah, Greeley the same amount as Dry.
Speaker 6: If it's the same amount, avoid Greeley like you would
Speaker 6: avoid herpes in open sore herpes.
Speaker 5: Avoid Greeley.
Speaker 10: So Tom, Hey, Tom, I'm well familiar with Rickenbaugh Cadillac.
Speaker 10: It is a phenomenal dealership and that would be back Collins, right, No, Rick, Well,
Speaker 10: but they're right downtown Denver office Spear great great dealer,
Speaker 10: Mark Schimanski.
Speaker 5: You've had personal experience with them? Yes?
Speaker 10: I have?
Speaker 5: Okay, good?
Speaker 6: So the warranty Mark just for five days, two hundred
Speaker 6: and fifty miles. The problem with the dash rattling, and
Speaker 6: the dealer took it back and said they fixed it,
Speaker 6: but they didn't. That's it in a nutshell, right, How
Speaker 6: bad is it right now? How bad is it right now?
Speaker 19: Well, if the lights are still coming on and the
Speaker 19: rattle's still there, and we can fix the rattle by
Speaker 19: holding the glasses holder.
Speaker 8: You could just yeah, I'm sure it's one of those
Speaker 8: metal clips. Well then then it has less than thirty
Speaker 8: six thousand miles though.
Speaker 19: Right, yes, absolutely, and we called them on day five.
Speaker 5: Okay, listen, it's we get back.
Speaker 10: We can't.
Speaker 6: You can't return the car. I mean, it's a warranty.
Speaker 6: It's not a guaranteed refund or is it.
Speaker 5: Is it a guaranteed refund for five days?
Speaker 19: For five days?
Speaker 6: It should be no, not if you went over two
Speaker 6: hundred and fifty miles. Did you go over two hundred
Speaker 6: and fifty miles? Yes, Well, then it's not that your
Speaker 6: warranty expired at two hundred and fifty miles.
Speaker 5: It's not five days. Listen. Let me give you an example.
Speaker 6: When you take it from the factory, and let's say
Speaker 6: you get a three year, thirty six thousand mile warranty,
Speaker 6: you don't have if you put two hundred thousand miles
Speaker 6: in that car, you're not going to have a warranty
Speaker 6: for the next three years.
Speaker 5: It doesn't work. That way. Everybody in the world knows that.
Speaker 5: I don't know why you think you have five dais
Speaker 5: retired car.
Speaker 7: Great brother.
Speaker 5: Okay, let's take this break. Then we got more coming up.
Speaker 15: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 15: dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance checkup free, no obligation comparison call
Speaker 15: Compass Insurance paying too much your coverage at dozens of
Speaker 15: insurance companies find out now three O three seven seven
Speaker 15: to one.
Speaker 4: Help.
Speaker 15: You'll think you're his only customer when you choose Frank
Speaker 15: durand the real estate Man dot com to list your
Speaker 15: home with Remax Alliance three oh three nine two zero
Speaker 15: sixteen twenty two.
Speaker 5: Hi Tom Martino here, Welcome to the show.
Speaker 6: Okay, by the way, somebody did text me about a
Speaker 6: dealership being pretty close to her. Well, I don't know
Speaker 6: if pretty close, but they said Vince's GM Center in Burlington.
Speaker 6: How much closer? Is Burlington? Much closer?
Speaker 5: Okay, so they're closer to Huma than Greeley or.
Speaker 6: Denver, So she might want to check that. But we
Speaker 6: have to take this one step at a time. Is
Speaker 6: it under warranty from the factory. That would be great.
Speaker 5: If it's under warranty from the dealer. If the dealer
Speaker 5: never Let's put it this way, if the dealer never
Speaker 5: checked the car and fixed it under warranty, that even
Speaker 5: that five day warranty could be longer. So the argument
Speaker 5: I would make is you never fixed the original problem.
Speaker 5: It's still under warranty. Therefore I want to return the car.
Speaker 5: But here's the problem. We don't know what the problem is.
Speaker 5: She has a rattling in idiot lights.
Speaker 6: So if I was her, I would take it to
Speaker 6: another dealer and find out what's wrong with it. Then
Speaker 6: go back and say, here's what's wrong with it. You
Speaker 6: didn't fix it while it was under warranty, so fix
Speaker 6: it now because that warranty was never satisfied. Okay, Charles,
Speaker 6: you have a question about probate. Go ahead, Charles.
Speaker 13: Oh yeah, Tom, I need a referral for a probat attorney.
Speaker 5: Okay, I can give you one. Dan Mackenzie. He was
Speaker 5: just on the show earlier answering questions. He's a good guy,
Speaker 5: mackenzie law and I'll give you his number in a second.
Speaker 5: Tell me what the problem is.
Speaker 13: My partner passed away and we had a will and
Speaker 13: the judge voided it.
Speaker 5: Now the partner. Was this a conventional marriage or you
Speaker 5: just somebody you lived with?
Speaker 13: We lived together, and you've.
Speaker 6: Held yourself out. Did you hold yourself out as husband
Speaker 6: and wife? Like introduced her as your wife or your husband?
Speaker 6: I don't know, you know, did you do it that way?
Speaker 6: Did you guys consider yourself married?
Speaker 13: Pretty much?
Speaker 10: Yes?
Speaker 5: Okay?
Speaker 6: And why did the court void? And who your partner died?
Speaker 6: I'm sorry about that. When did your partner die?
Speaker 13: September twenty year, twenty twenty three.
Speaker 6: Back in twenty twenty three. And then you tried to
Speaker 6: open a probate?
Speaker 13: Yes?
Speaker 5: Okay?
Speaker 6: And what happened when you tried to open a probate?
Speaker 6: The judge wouldn't let you, or it opened and closed?
Speaker 6: Tell me about that.
Speaker 14: Oh, it opened, we went to trial.
Speaker 6: And you went to trial. So this was for your
Speaker 6: common law wife. You want to open a probate and
Speaker 6: they would not let you.
Speaker 13: No, they let me.
Speaker 9: Why did they will?
Speaker 13: It was a hearing type?
Speaker 5: Yeah, okay, who is contesting it? I want to know
Speaker 5: who is contesting the probate? I mean, usually if you
Speaker 5: want to open a probate for your wife. Who's going
Speaker 5: to protest? I mean, there's got to be someone who
Speaker 5: thinks that they should have got that they should get.
Speaker 6: The estate or something first, first, for discussion purposes, and
Speaker 6: because we live in today's world. Are we talking about
Speaker 6: a wife?
Speaker 13: We were not married, but you're talking.
Speaker 6: About a common law wife, someone that you introduced as
Speaker 6: your wife.
Speaker 5: You guys considered yourselves married. Is that correct?
Speaker 13: Yes?
Speaker 5: Did you co mingle finances?
Speaker 13: We filed taxes together.
Speaker 6: Good, you're married. Now here's the I'm just saying that
Speaker 6: in a quick review. I don't I don't want to
Speaker 6: give you legal advice on that, but I assume that
Speaker 6: you were common law married. Now, your common law wife
Speaker 6: died in.
Speaker 5: Twenty twenty two, twenty three, twenty.
Speaker 6: Twenty three, and then you went to the courts win
Speaker 6: to open probate.
Speaker 5: A week after and then it was opened. Why was
Speaker 5: it challenged?
Speaker 13: The daughter challenged it.
Speaker 5: Okay, that's see. Now That's what I was getting at
Speaker 5: is this is not your daughter. This is her daughter.
Speaker 5: We got a break, brother, Okay, hold on, we'll come
Speaker 5: right back to you.
Speaker 15: Wait a minute, go with a sure thing. Denver's best
Speaker 15: roofer Excel roofing dot com. You don't pay a cent
Speaker 15: until you're content. Time for an insurance checkup free, no obligation.
Speaker 15: Comparison call Compass Insurance paying too much your coverage at
Speaker 15: dozens of insurance companies find out now three oh three
Speaker 15: seven seven to one help. You'll think you're his only
Speaker 15: customer when you choose Frank durand the real estate Man
Speaker 15: dot com to list your home with Remax Alliance three
Speaker 15: oh three nine two zero sixteen twenty two.
Speaker 6: Hi Tom Martino here three O three seven one three
Speaker 6: eight two five five. So, uh, we're uh, let's take
Speaker 6: another problem here, and uh, we're just going to have
Speaker 6: to Charles this probate thing. Why did they close it?
Speaker 6: I'm going to take another problem I should have said
Speaker 6: after the break, Why did they close it when your
Speaker 6: daughter contested it?
Speaker 5: On what grounds? Did your daughter contest it? It was
Speaker 5: her daughter, so she believes she should get everything correct,
Speaker 5: and she probably tried to bring up the fact you're
Speaker 5: not married, right correct? Did the courts recognize you as
Speaker 5: married or not?
Speaker 6: Did they make a decision, no decision, Well, the decision
Speaker 6: was that you couldn't do probate.
Speaker 5: Did they allow her to do probate.
Speaker 13: No, I did probate. It was in the will.
Speaker 5: I understand it was in the will that you opened probate.
Speaker 13: Yes, and they appointed me executor.
Speaker 5: Okay, so why did the court? What did the court do? Exactly?
Speaker 5: You didn't tell me. What did they do? Well?
Speaker 13: My witness? No?
Speaker 5: See, hold on, no, Charles, I don't want to hear about.
Speaker 6: The case at all, not one day, not one utter
Speaker 6: of testimony.
Speaker 5: I want to know what did the judge decide in
Speaker 5: her favor that it was in the door. Did they
Speaker 5: make her the executor?
Speaker 13: Yeah?
Speaker 6: Okay, hold on and we'll get our attorney on about this.
Speaker 6: I'm Tom Martino, and we have a follow up that
Speaker 6: Deputy Dmitri has been working on with a contractor and
Speaker 6: more on the Troubleshooter Show. We're working hard to solve problems. Also,
Speaker 6: we have Genesis Tootalexteriors dot Com in the house.
Speaker 5: More on that coming up.
Speaker 15: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 15: dot Com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance checkup free, no obligation comparison call
Speaker 15: Compass Insurance paying too much your coverage at dozens of
Speaker 15: insurance companies.
Speaker 5: Find out now three all three seven to seven to
Speaker 5: one help.
Speaker 15: You'll think you're his only customer when you choose Frank
Speaker 15: durand the real estate man dot com to list your
Speaker 15: home with Remax Alliance three all three nine two zero
Speaker 15: sixteen twenty two.
Speaker 5: Y'all ripped up.
Speaker 1: New need advice so you don't have.
Speaker 5: Come running.
Speaker 2: Just as fast as we can shoot is gonna help
Speaker 2: come Man Dix is the Troubleshooter Show.
Speaker 7: Now, Tom Martine, Hi.
Speaker 5: Tom Martino here, welcome to the show.
Speaker 6: Let's answer your questions, try to solve problems and take
Speaker 6: your complaints. And I'm gonna get Charles ready for an
Speaker 6: attorney because and we'll have the attorney on uh, if
Speaker 6: not later today tomorrow. His common law and wife died
Speaker 6: in twenty three. He opened probate one week one week later,
Speaker 6: and her daughter contested it. Now here's the thing. The
Speaker 6: daughter had standing. The course found and they found you
Speaker 6: didn't have standing. So basically the courts were saying you're
Speaker 6: not married because if you were married, how long were
Speaker 6: you married?
Speaker 13: Well, we didn't have paper, No, how.
Speaker 5: Long were you together? I know you didn't have papers.
Speaker 6: Common law marriage doesn't have papers, but you're married just
Speaker 6: the same under certain circumstances. Again, it can be challenged
Speaker 6: very easily. And it was so how long were you together?
Speaker 13: Twenty years?
Speaker 5: Okay? And that whole time you talked about her as
Speaker 5: being your wife. Yeah, okay, exclusive, Now did you live together.
Speaker 13: The whole time?
Speaker 6: Okay, Charles, I don't see why the courts said you
Speaker 6: were not a spouse and we're not entitled to any
Speaker 6: Did they grant you anything at all? Like spousal rites,
Speaker 6: which is half of the estate. It's ten percent a year, No,
Speaker 6: I think it's ten No, it's over ten years. It's
Speaker 6: fifty percent of the year state So however many percent
Speaker 6: that would be per year? So you're saying that they
Speaker 6: you got nothing, and they appointed her daughter, right, and
Speaker 6: her daughter is now the personal representative, right, yes, okay,
Speaker 6: Now that doesn't mean that you lost your rights. It
Speaker 6: just means you're not the personal representative. And frankly, Charles,
Speaker 6: that's a pain in the ass. But can you show
Speaker 6: by will that or by common law it self? But
Speaker 6: can you show by will that she had meant to
Speaker 6: leave you?
Speaker 10: Stuff?
Speaker 13: I found a new will, and when was the new will?
Speaker 13: Drafted two years after the first one.
Speaker 5: Okay, her latest will?
Speaker 6: What does her latest will say.
Speaker 13: That she's leaving me the house?
Speaker 5: And the daughter can and contest that. What is the
Speaker 5: is the daughter saying.
Speaker 13: No, hey, I just got served papers.
Speaker 5: Why would you get served papers?
Speaker 13: She found emotion to dismiss.
Speaker 6: Okay, to just okay? Okay? And what why is she
Speaker 6: what inner motion? Why does she say she wants the
Speaker 6: will contested?
Speaker 5: Because she's doing everything the right way And I'm not
Speaker 5: saying you didn't do things the right way.
Speaker 6: There was really nothing for you to do. You live
Speaker 6: with a woman, and now you just want to get
Speaker 6: the house she said she would leave you. So what
Speaker 6: is in the estate other than the house.
Speaker 13: Personal furnature?
Speaker 5: Is the house paid off?
Speaker 17: Yes?
Speaker 5: How much is it worth?
Speaker 13: Tis hundred?
Speaker 5: Okay?
Speaker 6: And the daughter saying hell no. So what does your
Speaker 6: attorneys say to do at this point?
Speaker 13: I don't have one.
Speaker 5: Okay, you need to find an attorney and fight this. Okay,
Speaker 5: you do.
Speaker 6: They look past your common law marriage, but that was
Speaker 6: only for personal representative. If they made the daughter the
Speaker 6: personal representative, she still has to abide.
Speaker 5: By the will.
Speaker 6: So just because she's personal representative doesn't equal, I get everything.
Speaker 6: So Charles, you really need an attorney, and uh, you know,
Speaker 6: and I do have a I do have one that
Speaker 6: we that you should at least check with, and that's
Speaker 6: Dan McKenzie. Mackenzie law. Let me give you his number.
Speaker 6: He got something to take his number down. Yes, okay,
Speaker 6: three oh three co plans. Just follow the letters on
Speaker 6: your phone A three to three C plans and on
Speaker 6: the on the internet. It's on the net. It's co
Speaker 6: plans dot co. Thank you, all right, thank you very much.
Speaker 6: Three oh three seven one three eight two five five. Now, Dimitri,
Speaker 6: you're working with a guy named Roger. This is a
Speaker 6: follow up and uh what is.
Speaker 5: We get to the camera here? What is this all about?
Speaker 10: Rome?
Speaker 11: Well, you know you may recall that on June ninth,
Speaker 11: Dorothy Roger's wife called because they had contracted with a
Speaker 11: door knocker for some concrete and asphalt work in their driveway.
Speaker 5: And that call was when that was on the ninth.
Speaker 11: Okay, Dorothy called this and I have since began to
Speaker 11: work with with Roger. So they contracted with somebody who
Speaker 11: came to their door and it's called C NJ Concrete
Speaker 11: and Asphalt Repair.
Speaker 5: Yeah, I remember that.
Speaker 11: Yeah, and since then, Dorothy and Roger sent me, excuse it,
Speaker 11: at least a dozen photographs of just an awful looking.
Speaker 5: They put steps on the house and they did a
Speaker 5: terrible job.
Speaker 6: They came back and redid the job, additional work on
Speaker 6: like diamond cutting the driveway, and so the contracted amount
Speaker 6: of forty nine hundred she paid in full. The job
Speaker 6: was completed around Well she's saying it's not complete.
Speaker 11: Well, you know, it's hard to tell from the photos
Speaker 11: the degree of completion, but if it was redone, it really.
Speaker 1: Was done kind of amateur issually in my opinion, and
Speaker 1: so it was really you went out and looked at it.
Speaker 1: They sent me dozens of photo I can't go out
Speaker 1: got it.
Speaker 11: And what Roger wanted was surprisingly only a seven hundred
Speaker 11: dollars refund. Why I'm not sure how he came up
Speaker 11: with that, but that's what he wanted.
Speaker 5: And that was Roger and Dorothy.
Speaker 1: Yeah.
Speaker 11: Yeah, And so I actually was able to get a
Speaker 11: hold of Grandpa Joe. It's CNJA Concrete and Asphalt repairs.
Speaker 5: And last week, Grandpa Joe, this is really your grandfather.
Speaker 1: Well I don't know.
Speaker 11: About okay, actual status. See, I know he goes by
Speaker 11: Grandpa Joe, and Grandpa Joe told me that he'll come
Speaker 11: by Roger's house this week and give him seven hundred bucks.
Speaker 11: So I talked with Roger. He thought that would be
Speaker 11: pretty cool if that actually happened. And Roger told me
Speaker 11: that he'll call us back and tell us what happens.
Speaker 1: So apparently he's on the line to kind of fill
Speaker 1: us in on the latest.
Speaker 5: Okay, so what's going on with you, sir Dorothy and.
Speaker 10: Roger?
Speaker 5: What's going on?
Speaker 21: Roger, Well, it's Thursday. I have not had any contact
Speaker 21: with Grandpa Joe. And what I've found out who these
Speaker 21: people trying to communicate with him is they will tell
Speaker 21: you exactly what you want to hear and do anything.
Speaker 5: About it, even Grandpa Joe.
Speaker 21: Even Grandpa Joe, you know that's not the owner.
Speaker 1: We don't even know who the owner is.
Speaker 5: Tom.
Speaker 11: What one of the problems is I was unable to
Speaker 11: locate a company called CNJ Concrete and Asphalt Repairs with
Speaker 11: the Secretary of State's office. Furthermore, Roger sent me photocopies
Speaker 11: of at least two checks that they wrote to this company,
Speaker 11: but all the checks and I take that back, all
Speaker 11: the checks were written to individuals. They wrote checks to
Speaker 11: either two or three different indivents. Weird, So I don't
Speaker 11: think there's even a company like that. There is no
Speaker 11: address on their web they don't have a website, there's
Speaker 11: no address on their business card.
Speaker 1: It's just first names.
Speaker 5: That's really This is really an informal door knocking.
Speaker 1: Yeah.
Speaker 11: I think it's just the two or three clowns that
Speaker 11: go around and you know, collect money for amateurist jobs.
Speaker 11: So if Grandpa Joe does not show up today or
Speaker 11: tomorrow with a check, I think Roger and Dorothy are out.
Speaker 11: I mean, there doesn't even seem to be a company
Speaker 11: to go after. So Roger, I'm really sorry to hear
Speaker 11: that he hasn't been there yet. But man, there's I
Speaker 11: don't think there's anything else to be done.
Speaker 21: Well, yeah, I agree with that, and I if I
Speaker 21: knew how to get a hold of them, I would
Speaker 21: have in the meantime, And like you say, you can't
Speaker 21: get a hold of anybody, Well no, I did get.
Speaker 1: A hold of people. I'm just saying that.
Speaker 6: They promised the world. They just keep talking. They just
Speaker 6: make promises.
Speaker 1: Yeah, we have phone numbers for all these guys.
Speaker 21: Yes, the original thing was my front steps leading.
Speaker 5: Up to my house. Right, I remember that.
Speaker 21: They did a terrible job.
Speaker 5: They redid it, right, Yeah, and you're still not happy. Listen, listen,
Speaker 5: Let's wait, let's just do this.
Speaker 6: Let's wait to see if we hear from them, and
Speaker 6: if you hear from them, I mean, and then just
Speaker 6: let us know and we'll take it from there. That's
Speaker 6: that's all I can tell you. Three oh three seven
Speaker 6: one three eight two five five.
Speaker 15: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 15: dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance check up, free no obligation comparison
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out now three oh three seven
Speaker 15: seven to one help. You'll think you're his only customer
Speaker 15: when you choose Frank durand the real estate Man dot
Speaker 15: com to list your home with Remax Alliance. Three oh
Speaker 15: three nine two zero sixteen twenty two.
Speaker 8: All right, three oh three seven one three A two
Speaker 8: five five We got lines open. You've been ripped off
Speaker 8: for taking advantage of or just need some help? Get
Speaker 8: those calls in.
Speaker 7: Get him in right now.
Speaker 8: Three oh three Martino, three oh three seven one three
Speaker 8: A two five five. I got Deputy bo sitting across
Speaker 8: from me, Deputy D at the remote undercover location. And
Speaker 8: here's the deal. I got to assign him some cases.
Speaker 8: Three oh three Martino. Now I want to jump into
Speaker 8: all the hell we've got and guys, please, and I'm
Speaker 8: talking to Mark uh and I'm talking to Matt So.
Speaker 8: Matt Stanford's with Paragon Services, Mark Schamansky's with Genesis Total Exteriors,
Speaker 8: who we talk about all the time. By the way,
Speaker 8: your guys did a bang up job on our house. Man,
Speaker 8: it looks absolutely great.
Speaker 10: Great.
Speaker 8: In fact, when Omar came and did that last punch list,
Speaker 8: he did some really cool stuff. I'm not gonna I'm
Speaker 8: not gonna tell you about it because I'm afraid you
Speaker 8: might build.
Speaker 10: Me extra That's right.
Speaker 5: I think I have a change art coming.
Speaker 7: Yeah, change order.
Speaker 8: Hey I heard lemon size hail. Did this really happen
Speaker 8: or is that just something? I mean it was out
Speaker 8: east or something baseball size hail that'll go.
Speaker 4: Through you, that'll damage your coffee table.
Speaker 7: So there's nothing.
Speaker 8: I mean, I don't care like I've got a hailproof
Speaker 8: roof and it's thick. Yeah, that's what I'm saying, because
Speaker 8: you gotta think of how quick that stuff just because
Speaker 8: the pure weight of it. Now, when I looked at it,
Speaker 8: Suzanne had some pictures. Here's what I thought.
Speaker 7: It looked like a.
Speaker 8: Bunch of the smaller stuff somehow all got together in
Speaker 8: the atmosphere.
Speaker 10: That's how it happens, is you have you start with
Speaker 10: pea size. Yeah, a rain drop freezes as it's coming down,
Speaker 10: and then wind will push it back up and it
Speaker 10: connects with another it refreezes, and there refreezes and it
Speaker 10: comes down it's melting and gets pushed back up in
Speaker 10: the air and refreezes. That that's how you get the
Speaker 10: bigger head.
Speaker 8: There was holes in houses, like you said, literally holes
Speaker 8: in the roof, sunlight coming in.
Speaker 10: Dogs, you know, I mean livestock.
Speaker 7: So what do you oh, yeah, then you think of
Speaker 7: that like livestock, especially out east. I mean, that's crazy.
Speaker 8: But besides, and this is why I like why you
Speaker 8: guys teamed up. So besides the roof and mark you
Speaker 8: guys do everything you do. If it's stuccoh you can
Speaker 8: redo the stucco, siding, paint.
Speaker 7: Whatever, it is.
Speaker 8: But Matt, you go out there because a lot of
Speaker 8: these insurance companies simply want to say, oh yeah, we'll
Speaker 8: pay for the roof, and then they kind of slime
Speaker 8: ball their way away and what other things. When you've
Speaker 8: at decent sized hel and it doesn't have to be
Speaker 8: hal that comes through your roof like we're talking about.
Speaker 8: But when you get a good hailstorm, what are other
Speaker 8: things you guys are finding on homes a roofers, don't.
Speaker 10: I tell you? I mean, we just had one Elizabeth
Speaker 10: that happened with about three weeks ago, four weeks ago.
Speaker 7: That was a big one that hit our that hit
Speaker 7: frank down.
Speaker 10: Too right, and that one, I mean a home before
Speaker 10: had some hailed image on the roof. But now all
Speaker 10: their windows are getting replaced. Every one of their metal
Speaker 10: clad windows has damaged.
Speaker 8: And listen to this, people, this is one of the
Speaker 8: biggest saying. Insurance companies want to just glance over the window.
Speaker 8: The glass doesn't have to be broke by any means
Speaker 8: that little seal. Explain, the seal on the windows match.
Speaker 4: So if part of the frame of the window is
Speaker 4: damaged not I mean a lot of people just look
Speaker 4: at the glass and say, hey, that's not broken. But
Speaker 4: if the frame is damaged or the plastic beating.
Speaker 8: Or pure MIC's not working, man, we got to get
Speaker 8: you swapped around somewhere.
Speaker 7: Go over to that other sea.
Speaker 10: Is mine working because I think yours is okay because
Speaker 10: my headpines aren't.
Speaker 8: Yeah, go ahead, So pick back up on the seal.
Speaker 8: So even though the glass isn't broke on windows, the
Speaker 8: seal can get broke.
Speaker 7: And you explain what that means.
Speaker 10: Yeah, So basically, your your glass pack is called an
Speaker 10: ig pack, is a sealed piece of glasses, a piece
Speaker 10: of glass with a space rim between and that makes
Speaker 10: a double pine glass or tipple pane or quad paying glass.
Speaker 10: And so that that air gap can get compromised by
Speaker 10: getting hit and if that happens. If that happens, then
Speaker 10: your your window is obviously just defective at that point
Speaker 10: and it needs to be get redone.
Speaker 8: And you can't necessarily see it so unless someone inspects
Speaker 8: it correct. Now, where you see condensation when it gets
Speaker 8: really hot.
Speaker 10: And you know a lot of times in the morning
Speaker 10: or in the evening is when you get to see
Speaker 10: the condensation.
Speaker 7: How many times do you run into that matt all
Speaker 7: the time.
Speaker 4: I mean there's there are people that they slowly see
Speaker 4: fog creeping in between the panes, and that's a broken seal.
Speaker 4: Happens all the time, all the time. And insurance company
Speaker 4: sure as hell, don't point it out right. And I
Speaker 4: gotta say, the four your thieves at some point. Well,
Speaker 4: it's kind of like with a whole warranty. You know,
Speaker 4: you have a whole warranty. They show up trying to
Speaker 4: figure out a way to deny the claim.
Speaker 7: Yeah, that's it, But they don't even they don't even
Speaker 7: point it out right, don't They'll they'll overlook it and
Speaker 7: mark how much your windows Let's say some of these
Speaker 7: homes hit in Elizabeth are up in a monument wherever.
Speaker 7: It is, like, how much your windows in the average
Speaker 7: house you get replaced?
Speaker 5: Oh yeah, I mean you're like twenty thirty grand, Oh
Speaker 5: for sure.
Speaker 10: I mean you know you're looking anywhere from you know,
Speaker 10: fifteen eighteen hundred bucks a hole to three thousand dollars
Speaker 10: a hole.
Speaker 8: What else besides windows? Everybody knows about the roof, how
Speaker 8: about your siding?
Speaker 5: Size?
Speaker 10: Siding? This the same house we're talking at.
Speaker 8: Our house when you did it after the hailstorm We
Speaker 8: didn't actually have damage on the hardy board, but the
Speaker 8: paint was damaged and you got to say full paint
Speaker 8: out on all four exactly.
Speaker 10: And that that that can happen too where just the
Speaker 10: paints damage in the side in itself is okay if
Speaker 10: you have vinyl sighting, it could but holds through that right.
Speaker 8: Through it right Or that happened out by the airport
Speaker 8: years ago. It looked like someone took a baseball shooter.
Speaker 5: It just plused. It looks like Swiss cheese.
Speaker 7: Yeah, like Swiss cheese. And then what else? So like
Speaker 7: my outbuildings, you ended up doing roofside yeah.
Speaker 10: And so that you obviously got even fencing. See your
Speaker 10: fencing go around the house.
Speaker 8: We've got a lot of people have that plastic fence,
Speaker 8: vinyl fence, popholes.
Speaker 10: Right in it, right right into it.
Speaker 7: Yep, your deck saying you got my deck covered that particular, well, well.
Speaker 4: Look at that very often. But that's a big one too.
Speaker 7: So people that don't know Matt's a public adjuster. This
Speaker 7: is really important.
Speaker 8: When your insurance company comes out and like I'm saying,
Speaker 8: all they want to talk about is a roof after
Speaker 8: a hailstorm. There is so many other things they're just
Speaker 8: not going to bring up to you. They're just not
Speaker 8: going to do it. If you have a lot of
Speaker 8: fencing you need to walk around, even if it's a
Speaker 8: six foot picketed privacy fence, if that hail hits, it
Speaker 8: damages the stain and basically makes it anything you get
Speaker 8: that in the claim.
Speaker 4: That's right offences, especially if it's stayed. If it's just
Speaker 4: raw wood, you know, I can get a power washed
Speaker 4: for you if there's broken pickets, obviously at least money
Speaker 4: to power wash it, and then use that money for
Speaker 4: something else if you want. But the bottom line is
Speaker 4: get as much as possible.
Speaker 7: Yeah, get as much.
Speaker 8: What is your average matt like if someone comes out
Speaker 8: and let's say the roof is twenty grand, the insurance
Speaker 8: company cuts them a check for twenty grand, and in
Speaker 8: a bad hailstorm, what do you generally up end up
Speaker 8: getting after you get involved?
Speaker 4: Usually I mean, at a minimum, on an average, probably
Speaker 4: thirty five to forty percent. But some of them have more.
Speaker 4: But some of them I'm able to double. I remember
Speaker 4: that skylight one they offered them.
Speaker 8: It was the most ridiculous thing I've ever is the
Speaker 8: best example I have of why to get a public adjuster.
Speaker 8: They offered her eight hundred bucks. Actually they offered her
Speaker 8: eighteen hundred, but she had one thousand dollars deductible, which
Speaker 8: brought down to check eight hundred bucks. I think you
Speaker 8: got her around sixty to one hundred thousand dollars up
Speaker 8: to eighty eighty grand. And then the other big one was.
Speaker 4: A lab laboratory in Wirsville the fires.
Speaker 8: Listen to this, folks. The insurance company came in. It
Speaker 8: was a commercial claim. They offered them how much originally
Speaker 8: for smoke damage?
Speaker 5: They wanted to clean it for sixty grand?
Speaker 7: Sixty grand? What did you end up getting them? Almost
Speaker 7: six million, six million dollars on both of mine. How
Speaker 7: much were my initials?
Speaker 5: Zero?
Speaker 7: Zero on both mine?
Speaker 8: My insurance company said pound sand. As soon as I
Speaker 8: got Matt involved. On the first one eighty grand, it
Speaker 8: went from zero to hero zero to eighty thousand. On
Speaker 8: the second one it went from zero. We're that finish
Speaker 8: out March. I think insurance company adjusters are total thieves.
Speaker 7: That's what I think. That's my opinion.
Speaker 8: I'm sure there's some good ones out there, but when
Speaker 8: there's a big hailstorm like what we're talking about these.
Speaker 7: Guys going to lockdown mode.
Speaker 8: All they're trying to do is basically get away with
Speaker 8: writing zero or the least possible amount. And that's where
Speaker 8: these guys come in. These guys can come out to
Speaker 8: your damaged property and look at more than the roof.
Speaker 8: You got any questions? Three oh three seven one three
Speaker 8: eight two five five, I've got to break. It gets me, actually,
Speaker 8: it truly gets my blood pressure up because both times
Speaker 8: Matt I was literally hit with denials.
Speaker 7: Both times, and how many times does that happen to people?
Speaker 7: But they don't know to call a public.
Speaker 4: They don't know they have rights, they don't know that
Speaker 4: we exist.
Speaker 7: They don't even understand their policy.
Speaker 4: They just go, oh, we don't have any damage good
Speaker 4: and they have no idea. They're sitting on tens of
Speaker 4: thousands and they're like.
Speaker 8: Oh, hell, State Farm or Safeco or whoever told me
Speaker 8: I had none.
Speaker 7: I guess that means I had none.
Speaker 8: Everybody holds my three oh three Martino.
Speaker 15: Go with a sure thing Denver's best roofer Excel roofing
Speaker 15: dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance check up free no obligation comparison
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out now three all three seven
Speaker 15: to seven one help. You'll think you're his only customer
Speaker 15: when you choose Frank durand the real estate man dot
Speaker 15: com to list your home with Remax Alliance three all
Speaker 15: three nine two zero sixteen twenty two.
Speaker 7: All right, three oh three seven one three eight two
Speaker 7: five five.
Speaker 8: We've been talking about all kinds of things, but this
Speaker 8: hailstorm and when it comes to adjusters. We had a
Speaker 8: call during the break someone wanted your phone number, Matt.
Speaker 8: But it is so important to get a public adjuster.
Speaker 8: I just can't stress this enough. I literally would have
Speaker 8: left over one hundred and thirty thousand in the last
Speaker 8: few years on the table if I didn't hire Matt.
Speaker 8: And I'll be straight with you, here's how Matt works.
Speaker 8: What do you charge if they bring you in in
Speaker 8: the beginning twenty percent, It's it's always ten ten percent.
Speaker 7: So listen.
Speaker 8: If they're offering you thirty thousand dollars and you bring
Speaker 8: Matt in and he gets you sixty, you got to
Speaker 8: give him ten percent of that. But a lot of
Speaker 8: the times you kind of get paid by the claim too,
Speaker 8: because because there's things in the language where say the GC,
Speaker 8: the general contractor gets an additional ten percent over the.
Speaker 4: Damage twenty percent, So you're getting overhead and profit is
Speaker 4: what that's called.
Speaker 8: If he comes in and gets you overhead and profit,
Speaker 8: for example, you end up not paying him anything. In fact,
Speaker 8: you end up in some cases making ten percent more
Speaker 8: to put in your boxy.
Speaker 4: Right then, I wouldn't be around very long if it
Speaker 4: wasn't a win win win, No, of course.
Speaker 8: So I mean if you go even if you had
Speaker 8: to pay ten percent of what he gets for you,
Speaker 8: think about it. They offer you thirty thousand, great, you
Speaker 8: get thirty thousand bucks. Matt gets involved, gets you one
Speaker 8: hundred thousand, and you end up giving him ten percent
Speaker 8: of that hundred thousand. And that's always at the end.
Speaker 8: It's not like they pay you up front. They pay
Speaker 8: you based on performance. But even if you got you
Speaker 8: a million, it's still it's going to be ten percent.
Speaker 8: Although I really big claims like that, you negotiate sure
Speaker 8: that one like a six, you're not getting ten percent.
Speaker 4: Gave them a break, yeah, of course.
Speaker 8: But on your typical job too, homeowners, you pay him
Speaker 8: ten percent, But what would you rather have thirty thousand
Speaker 8: or ninety thousand on one hundred thousand dollars claim that
Speaker 8: he gets right?
Speaker 7: I mean, it's ridiculous.
Speaker 8: But once again, I want people to understand how many,
Speaker 8: how many home policies do not have overhead and profit.
Speaker 4: I don't think I've ever seen one that doesn't have it. Now,
Speaker 4: whether or not they want to pay it is a fight.
Speaker 7: Yeah, you got to fight for it. So if he
Speaker 7: gets you overhead in profit, you can he cost you nothing.
Speaker 8: He literally costs you nothing. And let's explain what overhead
Speaker 8: and profit is. Overhead and profit generally you can go
Speaker 8: after if there's more than one thing wrong with the house.
Speaker 3: Is that right?
Speaker 4: Well, it used to be the three trades rule. So
Speaker 4: if they explain the silly trades. Let's say you have
Speaker 4: hail damage and your roof got hit, and you need
Speaker 4: paint on your siding yep, and you've got some windows
Speaker 4: that are broken.
Speaker 7: Yeah, that's three years the trades.
Speaker 4: So that warrants overhead and profit because you need somebody
Speaker 4: to manage those separate trades.
Speaker 8: Yes, So like on my last claim that they told
Speaker 8: me zero, you got me money for the person that
Speaker 8: would put in the sliding door. That was the door company,
Speaker 8: the hardwood people because our hardwood was ruined.
Speaker 7: And then what that brought up was paint because when
Speaker 7: they did the hardwood, you have to remove the base
Speaker 7: and then put the of course the base back in,
Speaker 7: and then repaint whatever walls there were. So those were
Speaker 7: the three and you got me overhead and.
Speaker 4: Profit exactly the perfect example of that.
Speaker 7: And then another one. I'll give you another good one.
Speaker 8: Another thing that's in a lot of these homeowners is
Speaker 8: if you have to be out of the house, Like
Speaker 8: when we were having our hardwood done, we ended up
Speaker 8: just staying in our RV right in our own driveway.
Speaker 7: But a lot of people don't have that. They might
Speaker 7: have to go to a hotel, and that should be
Speaker 7: covered if you.
Speaker 8: Can't be in the house. The only reason we couldn't
Speaker 8: be in the house is all the dust in everything
Speaker 8: from doing all the hardwood in our house.
Speaker 4: Right, they should pay for temporary housing, most of them
Speaker 4: up to two years.
Speaker 7: And then you guys teamed up together.
Speaker 8: This is what I love so kind of Mark in
Speaker 8: Genesis after a hailstorm, you can only be in one place.
Speaker 7: You end up you're the one with the license.
Speaker 8: You end up doing everything with the insurance company, reading
Speaker 8: over the policy that the caller has and making sure
Speaker 8: they get every nickel due to them. But Mark, you
Speaker 8: and your guys get out there on the ground and
Speaker 8: not only check the roof, because of course you do roofing,
Speaker 8: but you're checking the siding, You're checking the decks, you're
Speaker 8: checking the fencing, you're checking everything.
Speaker 10: Yeah, we walk around the whole house, the whole property
Speaker 10: and look for everything that is correct.
Speaker 8: One of the things, we've got a little bridge that
Speaker 8: goes over our water feature leading in our front door.
Speaker 8: I don't know if you remember this, but on that
Speaker 8: one four years ago, part of that eighty thousand, you
Speaker 8: got us standing and restaining on that entire bridge.
Speaker 4: I remember you laughing because you're like, I walk over
Speaker 4: that every day. I never noticed you notice it. But yeah,
Speaker 4: we got some money for that.
Speaker 7: It's funny.
Speaker 8: You got us money for the deck, which I couldn't believe.
Speaker 8: For the bridge, I couldn't believe. Oh, I'll tell you
Speaker 8: the craziest one that he got his money for.
Speaker 5: Mark.
Speaker 7: I bet you can't guess what it was.
Speaker 10: Your concrete patio.
Speaker 8: Well, actually he did get us that, but that's not
Speaker 8: what I'm thinking about, right, Which one landscaping we added?
Speaker 8: They got plummeled and he got us one thousand or
Speaker 8: two thousand bucks for a tree?
Speaker 10: Yeah, to replace the tree. And that's pretty rare that.
Speaker 10: The landscaping one is tough one.
Speaker 5: Yeah it is.
Speaker 4: It really has to be blasted pretty good. But I
Speaker 4: got along with that adjuster if you remember so, uh.
Speaker 7: Oh, he loves that story.
Speaker 4: He loves this is the first one.
Speaker 7: This wasn't the was a guy. Yeah, explain explain adjusters
Speaker 7: real quick.
Speaker 8: I love this conversation because after a hailstorm, this is
Speaker 8: information everybody should know.
Speaker 7: So I apologize to the callers. I promised, I'll get
Speaker 7: to you.
Speaker 8: I promised, But this everybody needs to know this stuff
Speaker 8: because if I have one goal in life, it is
Speaker 8: to go after insurance companies because a lot of people
Speaker 8: all they do is pay more and more and more
Speaker 8: each year and never turn into a claim or they
Speaker 8: get turned down on a claim. And this is where
Speaker 8: a guy like Matt comes in. So adjusters the first
Speaker 8: one we dealt with at my house. I remember he
Speaker 8: didn't work for the insurance company. I had an insurance
Speaker 8: company that I was kind of grandfathered into, and they
Speaker 8: pulled out of Colorado, so they went and hired and independent.
Speaker 8: But a lot of times, someone like Safeco or State Farm,
Speaker 8: they can have an.
Speaker 7: Adjuster that actually works for them.
Speaker 5: Right.
Speaker 4: Most of the big companies have their own staff adjusters
Speaker 4: so they can handle the volume. Most of the time,
Speaker 4: they'll deploy from other states.
Speaker 8: Which ones are better to work with, if that even
Speaker 8: makes sense, or they're all the same.
Speaker 4: Oh no, they're definitely not all the same. The best
Speaker 4: ones that I can rattle off, Amika is really good
Speaker 4: and they're their adjusters.
Speaker 5: Yes, Acuity Acuity.
Speaker 8: I never hear anything negative about that company ever, But
Speaker 8: they cost a crapload a month.
Speaker 4: And these ones I'm mentioning are not cheap. Chubb that's
Speaker 4: another one.
Speaker 7: Hub's great.
Speaker 4: Yeah, but they're expensive policies.
Speaker 7: But use your guys should meet with and they actually
Speaker 7: go over the should They don't fight with yet tooth
Speaker 7: and nail on everything.
Speaker 4: Any supplements or any code upgrade stuff I send to
Speaker 4: them is not even a problem for them to address
Speaker 4: and send money out for.
Speaker 8: So I turned in a claim, and I'll tell this
Speaker 8: story real quick. I turned into claim less than two
Speaker 8: years ago, but we waited like six seven months to
Speaker 8: do it because honestly, what happened is water got in,
Speaker 8: hail piled up on our door, and it melted because
Speaker 8: the time of year, it melted as soon as the
Speaker 8: storm went away and got in and ruined our hardwood.
Speaker 8: But it was remarkable. Hardwood's crazy. When it's wet, it
Speaker 8: can do this wave, but then as it drives over time,
Speaker 8: it can almost look perfectly normal again. So we gave
Speaker 8: a time, didn't think about it, and sure enough it
Speaker 8: just didn't go away. So finally I put the claim in.
Speaker 8: Six months later, they outright denied me. He said, nope, nope, nope.
Speaker 8: First of all, you don't have flood insurance. I said, well,
Speaker 8: funny enough I do, and I sent them the addendum
Speaker 8: where I do have flood insurance and then they still
Speaker 8: said no. And that's when I called you. The second time,
Speaker 8: Matt gets involved. And first thing he did was he
Speaker 8: made him come out to the house. You know, when
Speaker 8: they declined me, they didn't even come out. They just
Speaker 8: said I didn't have the coverage for what I was describing.
Speaker 7: Didn't even look at it, think about that, didn't even
Speaker 7: look at it.
Speaker 5: They at least tell you that they to come out
Speaker 5: at least look at it, right.
Speaker 8: So finally he's like, yeah, I'll meet him over there,
Speaker 8: and we end up meeting him. Matt was actually a
Speaker 8: extra for what movie Into the Wild?
Speaker 7: Into the Wild, So if you ever.
Speaker 9: Watch him, great bookmark.
Speaker 7: Oh it's a great movie. If you haven't watched it,
Speaker 7: it's unbelievable. But he's in the movie all the time.
Speaker 7: He's the extra. So what was crazy about it? In
Speaker 7: where I'm getting to and you know, I'm happy, I've
Speaker 7: been married thirty one years.
Speaker 8: Matt's a pretty good looking guy. I mean, I have
Speaker 8: a lot of people to ls you look like who
Speaker 8: what's the guy's name, Bradley Cooper, Like Bradley Cooper, younger
Speaker 8: Bradley Cooper. So this lady comes knocking on the door.
Speaker 8: Matt's already at my house waiting for her to show up.
Speaker 8: And I didn't know as a lady. He might have known.
Speaker 7: You did know because you.
Speaker 4: Sounded like a lady on the phone.
Speaker 1: So I sounded like a lady.
Speaker 8: So basically, she comes knocking at the door and I
Speaker 8: look out there, and she was around Matt's age and
Speaker 8: I'm like, slam dunk, this is gonna be easy.
Speaker 7: She comes in, they start walking the house.
Speaker 8: She's eyeballing him like a bulldog looking at a bone.
Speaker 8: He's schmoozing her and cruising around the house. And then
Speaker 8: next thing I know, they leave and mac go's h's handled.
Speaker 8: It's gonna be about forty grand just like that. That's
Speaker 8: the kind of person you need. Everybody, hold on.
Speaker 15: Go with a sure thing Denver's Best Roofer Excel roofing
Speaker 15: dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance check up free no obligation comparison
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out now three all three seven
Speaker 15: to seven to one help. You'll think you're his only
Speaker 15: customer when you choose Frank durand the real estate Man
Speaker 15: dot com to list your home with Remax Alliance three
Speaker 15: all three nine two zero sixteen twenty two.
Speaker 7: You know I'm bad at given the numbers.
Speaker 8: That too when we have someone like Matt and Genesis
Speaker 8: in and the reason that is, I mean I get
Speaker 8: I start thinking to the insurance company. I don't think
Speaker 8: it of Hey, you know people want the phone number,
Speaker 8: but people keep calling. Turn the break and email and
Speaker 8: so listen here it is Paragon Services.
Speaker 7: This is Matt.
Speaker 8: Get him involved right after, in fact, you had hail damage.
Speaker 8: What are the areas that have been nailed?
Speaker 7: Guys?
Speaker 4: Well I heard Milligan. Wherever the heck?
Speaker 5: That is John John John?
Speaker 10: Sound everything east of my twenty five up north and
Speaker 10: then down you both?
Speaker 7: Do you guys? Cover you go for Collins?
Speaker 10: Yeah? We know we yeah, we go wherever you.
Speaker 8: Go, wherever you need to be. Basically what happens is
Speaker 8: they just get you all the money. I mean, I
Speaker 8: don't know how to put it. Genesis Total Exteriors h
Speaker 8: three oh three six seven nine eighty five O nine.
Speaker 8: They'll check out not only the roof, but they'll look
Speaker 8: at everything you got going three oh three six seven
Speaker 8: nine eighty five oh nine. They'll bring Matt in and
Speaker 8: then Paragon Services. That's Matt seven nine seven to two
Speaker 8: six zero zero twenty and Jr.
Speaker 7: And Eve.
Speaker 8: I promise, and whoever's on three, I'll get to you
Speaker 8: as soon as we get past a break.
Speaker 7: But we only got a minute.
Speaker 8: I do want to say this, So if you've had
Speaker 8: a claim a hail claim, and what when when can
Speaker 8: you keep reopening one year?
Speaker 4: We have one year typically we have one year to
Speaker 4: file it from the date of the storm.
Speaker 7: Now, once you file it, when can you go back
Speaker 7: and add to it?
Speaker 4: You you have two years to dispute it.
Speaker 7: Two years.
Speaker 8: So listen, if you filed a claim like last year
Speaker 8: and it was a good hailstorm and all they did
Speaker 8: was the roof, and you think, because you know you've
Speaker 8: walked around your property and there was other damage you
Speaker 8: never got paid for, you can reopen that same claim.
Speaker 7: And not have any downside. Right, it's not a second claim. No,
Speaker 7: it's the same exact claim.
Speaker 8: There's no In other words, you won't get penalized by
Speaker 8: your insurance company come renewal time and Matt can come
Speaker 8: out and try to get you the money.
Speaker 7: Even if the roof was already done.
Speaker 4: Right, you know. And it depends also if the customer
Speaker 4: or homeowner has a supplied documentation for their remaining funds
Speaker 4: on the claim. A lot of times that closes the
Speaker 4: book and then it's like, okay, well now we have
Speaker 4: to read it. Just depends.
Speaker 7: It depends, but you can.
Speaker 8: I mean, it's worth a phone call to it is
Speaker 8: it's definitely worth a phone call and say here's what happened.
Speaker 10: What if the home owner didn't know that damage then?
Speaker 10: And I'll say it's been a year after Okay, Hold.
Speaker 8: On, guys, we'll do this after seven one nine seven
Speaker 8: two six zero zero twenty seven to one nine seven
Speaker 8: two six zero zero twenty that's Paragum Services. Please call
Speaker 8: these guys up, both of them. Great Eva Jr. Drew
Speaker 8: Drew hold tight.
Speaker 15: Go with a sure thing best roofer Excel Roofing dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance check up free, no obligation comparison
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out now three all three seven
Speaker 15: seven to one help. You'll think you're his only customer
Speaker 15: when you choose Frank durand the real estate Man dot
Speaker 15: com to list your home with Remax Alliance three all
Speaker 15: three nine two zero sixteen twenty two.
Speaker 5: Ripped news You need so you don't have you come
Speaker 5: run insous fast as you can.
Speaker 2: Shooter's gonna help.
Speaker 8: Come man, this is.
Speaker 3: The Troubleshooter Show. No Tom Martinez, Welcome my friends to.
Speaker 7: The only show of its kind.
Speaker 8: We've been here for almost fifty years, solving problems, answering questions,
Speaker 8: taking complaints, recovering money. In fact to the tune of
Speaker 8: almost four hundred million dollars in refunds and exchanges and services.
Speaker 7: That's what we do.
Speaker 8: You're dealing with a bad contractor maybe you're dealing with
Speaker 8: a bad landlord, we want to help you.
Speaker 7: We also want to educate you. We've been talking to.
Speaker 8: A couple great guys that are on a referral list
Speaker 8: at referral list dot com. Marknmatt. Matt's a public adjuster.
Speaker 8: Mark Schmansky owns Genesis Total Exteriors. They've done a ton
Speaker 8: of work for Susanna and I. So any questions you
Speaker 8: have about hail claims or anything else like that, we'd
Speaker 8: love to hear from you. I'm going to get right
Speaker 8: to the phone, though. We've got three people holding one
Speaker 8: line open. Three oh three, Martino, Eva, your first, Eva.
Speaker 7: What is going on with you?
Speaker 17: Hi?
Speaker 19: How are you doing?
Speaker 22: My son he's thirty seven, and his father that's the way,
Speaker 22: and his mother and.
Speaker 5: As grandmother.
Speaker 22: Sorry and uh, they left the money unclaimed property. The
Speaker 22: bank called my son out of the blue and told
Speaker 22: them that they have unclaimed property.
Speaker 8: And he's next to pen so he didn't have a
Speaker 8: will or anything, right, No, there was no probate. I
Speaker 8: mean basically, he's just next to Ken and that's all
Speaker 8: there is. Yeah, okay, so what's your question.
Speaker 22: I don't know where to go from here.
Speaker 8: Well, generally with a bank like that, you should be
Speaker 8: able to go up there with the death certificate in
Speaker 8: the smallest state affid David. So I want you to
Speaker 8: remember that second part, smallest state Affidavid. But wait, I
Speaker 8: just thought of something. Is it under eighty thousand?
Speaker 22: Well, the bank said it's a substantial amount.
Speaker 7: I don't know what that.
Speaker 8: Yeah, I don't know what that means. But I think
Speaker 8: the smallest state AFFID David, it can only go up
Speaker 8: to eighty thousand. So if it's less than eighty thousand,
Speaker 8: you can fill that out. It's pretty straightforward.
Speaker 9: I believe you can down it right on the State
Speaker 9: of Colorado's website.
Speaker 8: You can get it right on the Colorado State website,
Speaker 8: but just google Colorado's small Estate AFFI David. And then
Speaker 8: basically you're going to have to have the certified copy
Speaker 8: of the death certificate and then proof he is the son,
Speaker 8: and then that should be it.
Speaker 7: That's what a bank would generally need, those three things.
Speaker 22: Yeah, we don't know how they got his number.
Speaker 17: Two.
Speaker 8: We have no idea how that if he was a beneficiary.
Speaker 8: You sure he wasn't listed on the account, it is
Speaker 8: a beneficiary.
Speaker 22: I'm not sure of anything yet.
Speaker 8: Well, hold on a second. So there's two things. If
Speaker 8: he set up his son is a beneficiary.
Speaker 7: Was he married.
Speaker 5: No?
Speaker 8: Okay, So if for whatever reason he set up his
Speaker 8: son is a beneficiary. Like I have a checking account,
Speaker 8: I have a savings account, I have business accounts on
Speaker 8: those accounts when I open them up, Suzanne, my wife
Speaker 8: is a beneficiary. So if I was to drop right now,
Speaker 8: she would literally inherit those accounts. She'd have to show
Speaker 8: up to the bank and just show proof that she
Speaker 8: is the listed beneficiary in their system, and she would
Speaker 8: have full access to the account. But generally what they
Speaker 8: do is transfer that money into an account, or write
Speaker 8: her a check, or cash her out whatever.
Speaker 14: I mean.
Speaker 8: She wouldn't actually use that account, but she would have
Speaker 8: access to transfer everything.
Speaker 22: I just thought his dad would have told him, because
Speaker 22: he spent the last month of his life with him.
Speaker 9: How long ago did he pass away?
Speaker 5: Eva?
Speaker 22: Probably three months ago?
Speaker 18: Well, then I am.
Speaker 9: Guessing that he was listed as the beneficiary and that's
Speaker 9: how they got his number. It's just a guess. But
Speaker 9: half the death certificate, his birth certificate showing that his
Speaker 9: dad was his dad, and his ID right mark.
Speaker 8: Yeah, but didn't end the small You're going to have
Speaker 8: to do a small state affidavit no matter what. That's
Speaker 8: really easy though, Literally you download the form, fill it out.
Speaker 8: You might have to have it notarized, but because it's
Speaker 8: a bank, you can probably haven't notarize literally right there
Speaker 8: while you're doing it. I do have a question though,
Speaker 8: when they called him, For the life of me, I
Speaker 8: don't understand why he didn't ask him what I mean,
Speaker 8: what did they say that when they called.
Speaker 12: Him, They said that he had to.
Speaker 22: Register for the gain planning property something like that.
Speaker 8: Well, okay, okay, but he only died three months ago. Yeah,
Speaker 8: so there's two things here. You just threw it off.
Speaker 8: Considering he just died three months ago, it's got to
Speaker 8: be just in the bank's custody right now. But if
Speaker 8: it was years and years after he died, the state
Speaker 8: of Colorado might have it and they call it. I
Speaker 8: think the Great Payback Colorado.
Speaker 7: And was it there? Yeah, okay, so it's the bank.
Speaker 8: He needs to go down to the bank, have the
Speaker 8: smallest state affidavit, have a copy of the death certificate
Speaker 8: and should be that easy, and a.
Speaker 9: Copy of his birth certificate if just in case he
Speaker 9: wasn't listening as.
Speaker 7: The driver's whatever. Yeah, okay, thank you, you're welcome.
Speaker 8: I mean that's hopefully it's a lot of money. I mean,
Speaker 8: like for real, and it's not a lot of work,
Speaker 8: to be honest.
Speaker 5: Sorry.
Speaker 8: Three zho three seven one three eight two five five Jr.
Speaker 8: Has a question for Matt in Paragon, right, Hey Jr.
Speaker 7: You think he's ordering fast food? Jr?
Speaker 17: Is it?
Speaker 22: Mike?
Speaker 7: I'm gonna put him on hold. I have no idea.
Speaker 8: Kelly, You're gonna have to just keep checking. He's talking
Speaker 8: to somebody in the background. You guys, it is amazing.
Speaker 7: Okay. I want to ask you this, Matt, who's the
Speaker 7: easiest insurance company to deal with? We had a guy
Speaker 7: yesterday call in and actually had this question. No bs,
Speaker 7: this was his question.
Speaker 8: He didn't care how much the insurance was, but if
Speaker 8: he ever did have a claim, he wants to make
Speaker 8: sure there's no problem getting paid. So what what would
Speaker 8: you how would you have answered that? I had Brian
Speaker 8: burns on with Compass and we kind of answered it. Well,
Speaker 8: one of them was Acuity, exactly what you said. But
Speaker 8: I'll say Security or Chubb is even better. But Chub's
Speaker 8: gonna check your net worth and it's insurance for the wealthy. Yeah, yeah,
Speaker 8: you're not gonna get insured with Chubb, but if you
Speaker 8: have a three hundred thousand dollars high and they want
Speaker 8: you up.
Speaker 4: In the million plus range. But Acuity all day. Absolutely,
Speaker 4: But Chub's good too, right. Oh, they're both at the
Speaker 4: top of my list. Amika is really good.
Speaker 7: Too, Amika, Amka. Okay, let's go the other way. Who's
Speaker 7: the worst to deal with in your opinion?
Speaker 4: I'll tell you if you get me security, walk into
Speaker 4: my truck. Come on, who American family's the worst?
Speaker 7: Are they?
Speaker 4: Really?
Speaker 5: Yeah?
Speaker 4: USAA is bad.
Speaker 7: USAA I heard used to be really good.
Speaker 8: They were good then all of a sudden, I don't know, man,
Speaker 8: maybe it's all the hell, but they went to hell?
Speaker 4: They did, you know, the ones kind of in the
Speaker 4: middle of the road, your state farm, nationwide, all state
Speaker 4: there it depends who you don't like a Safecoast, the
Speaker 4: one that gave me all the business the last time.
Speaker 4: Depends who you get as your adjuster on those. Now,
Speaker 4: some of the boutique ones you don't hear about a lot,
Speaker 4: like the Hartford.
Speaker 7: Hartford they've been around for one hundred years.
Speaker 10: Yep.
Speaker 4: Another bad one that just came to my mind is
Speaker 4: Colorado Farm Bureau.
Speaker 7: Never heard of them? Is that only for farmers?
Speaker 5: No?
Speaker 4: No, they'll ensure anything, but they're not great.
Speaker 7: Why is it called farm bureau?
Speaker 5: Then?
Speaker 4: Well, I think they used to ensure rural properties and
Speaker 4: then they saw Marcus.
Speaker 13: There.
Speaker 8: Deal, it's kind of crazy. Let's say, JR. Go ahead,
Speaker 8: what's your question for Matt?
Speaker 14: I had a couple of questions.
Speaker 16: So, Matt, what power do you have to get them
Speaker 16: to comp up more money?
Speaker 13: Okay?
Speaker 7: And if they don't comp with the money that you
Speaker 7: feel is reasonable, what's the next step.
Speaker 14: For the homeowner? Oh?
Speaker 7: This is great, So hold on, Jr. That is the
Speaker 7: best question ever.
Speaker 8: And Matt, I really want you to take that the
Speaker 8: three steps or four steps that you had to deal
Speaker 8: with with like my second claim, because you enacted something.
Speaker 7: But JR.
Speaker 8: I do have to put you on hold because I
Speaker 8: got to take this break. But I'm gonna have them
Speaker 8: go over that and then you can ask any follow
Speaker 8: up questions.
Speaker 7: But that is a great question.
Speaker 15: Hold on, Go with a sure thing Denver's Best roofer
Speaker 15: Excel Roofing dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 15: Time for an insurance check up free, no obligation. In comparison,
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out now three O three seven
Speaker 15: to seven to one help. You'll think you're his only
Speaker 15: customer when you choose Frank durand the real estate Man
Speaker 15: dot com to list your home with Remax Alliance three
Speaker 15: oh three nine two zero sixteen twenty two.
Speaker 18: All right during seven three eight.
Speaker 8: If you don't listen on YouTube, it's a good time
Speaker 8: mark listen. I'll tell you you're missing a lot. We
Speaker 8: were talking about a Broncos game that I was at,
Speaker 8: and that's about all I can say. I suggest you
Speaker 8: go back and listen to the YouTube during the brand Yeah,
Speaker 8: not while you're reading. So I'm not gonna say much more.
Speaker 8: But in my entire life, I have never witnessed and
Speaker 8: never felt what happened to me at a Broncos game.
Speaker 7: Question. This is making it sound like I was the
Speaker 7: not the do gooder. I did nothing wrong here.
Speaker 10: The question are you gonna join us again this year?
Speaker 7: We had a great time, with the.
Speaker 8: Exception of that there was a young woman there that
Speaker 8: I'll just say this. They literally, actually she wasn't young,
Speaker 8: she was old. They literally had to shut down the
Speaker 8: entire restroom that was on that level. They literally shut
Speaker 8: it down and E. M. T had to come in
Speaker 8: because she actually exploded.
Speaker 7: And I'll leave it at that.
Speaker 8: If you want to hear the story, go to YouTube
Speaker 8: type in Troubleshooter Network. It's a very true story. And
Speaker 8: Mark the reason we were talking about it, Mark Schamansky,
Speaker 8: we were together that day, along with Suzanne and his wife, Matt.
Speaker 7: It was it was something that none of us have
Speaker 7: ever witnessed, and our entire section had the deal with Mark.
Speaker 9: It's a good story.
Speaker 7: Oh, it's a great story. Except for you guys. It
Speaker 7: was a lot better story than getting here. I got
Speaker 7: hit with the shrapnels.
Speaker 10: Well, Susan and I are in further so, well Madelon
Speaker 10: and I were, but Malon can't handle the smell.
Speaker 8: There it was, so I just can't talk about it
Speaker 8: like over the airwaves, and I won't. But now JR.
Speaker 8: Had a great question for Matt, so match with Paragon Services.
Speaker 8: He's a licensed public adjuster. So Matt Jr's question was great.
Speaker 8: So if you come out and you can't talk them
Speaker 8: in to the claim, or let's say they only want
Speaker 8: to give one hundred dollars instead of ten thousand, so
Speaker 8: let's go ahead and talk about it.
Speaker 4: Go ahead, right, So the stepping stones here it goes,
Speaker 4: you know, homeowner, then contractor, then public adjuster. Then you
Speaker 4: get to a fork in the road appraisal or legal action.
Speaker 4: So if they refuse to negotiate with me, or they
Speaker 4: we don't get to a comfortable number, we can engage
Speaker 4: the appraisal process, which is what we did for your claim.
Speaker 7: That's what we did, JR. Do you know what the
Speaker 7: appraisal process is?
Speaker 13: No?
Speaker 17: I know, but I thought the contract was with the
Speaker 17: homeowner and insurance company would Why would the insurance company even.
Speaker 5: Talk to that?
Speaker 8: Because you make empower of attorney. He represents you, just
Speaker 8: like hiring a lawyer. If someone says I was DUI
Speaker 8: or said I murdered somebody I hire an attorney, and
Speaker 8: the police no longer talk to me. They talked to
Speaker 8: my attorney.
Speaker 13: Okay, so that's in the insurance contracts, right.
Speaker 4: Well, not necessarily. I hold a state license that allows
Speaker 4: me to negotiate with them. They can't ignore me, they
Speaker 4: can't hang up on me. They have to negotiate, and
Speaker 4: they don't have to do that with contractors.
Speaker 16: They can Is that correct?
Speaker 4: Yeah, they can't, they can't.
Speaker 7: But listen, the appraisal process is really cool. And I
Speaker 7: just went through it. So they only wanted to pay
Speaker 7: so once. Once it was zero, MAC got involved and
Speaker 7: the initial amount they gave to Matt, that young lady
Speaker 7: that was out was like eight grand.
Speaker 8: Right, it was pretty small. It's like eight thousand bucks.
Speaker 8: And I said, well, never eight grand. And Matt goes nothing.
Speaker 8: He goes no, no, no, that's just the starting point.
Speaker 8: So what did you do after the eight grand?
Speaker 4: So we invoked the appraisal clause, which the homeowner hires
Speaker 4: an appraiser yep, and the insurance company hires an appraiser.
Speaker 4: So now you've got too fresh.
Speaker 7: And they're independent.
Speaker 4: They're independent.
Speaker 8: They can't work for the insurance company jr. So they
Speaker 8: have to hire somebody, and I hire somebody. I use
Speaker 8: the guy that Matt uses all the time. It's kind
Speaker 8: of like a mediation. You have your side, they have
Speaker 8: their side. Most of the time it works out favorably
Speaker 8: for the homeowner. Yeah, so we were at eight thousand jar.
Speaker 8: We came out in my guy and their guy basically
Speaker 8: walked a house, talked to me, wanted to see the damage,
Speaker 8: and basically when it all got done, it was about
Speaker 8: forty thousand dollars I got right.
Speaker 5: Okay, Now the final step in all of those there's
Speaker 5: another step.
Speaker 8: So let's say I'm still not happy and they didn't
Speaker 8: budge even after the appraisal. Now there's something that you
Speaker 8: can actually get trebled damages.
Speaker 7: If you win.
Speaker 4: Yeah, if you go to an attorney, and I've got
Speaker 4: a few that I work with regularly. We basically sent
Speaker 4: a demand letter to the insurance company through the legal
Speaker 4: office and demand that they pay while we're asking, or
Speaker 4: we file suit. A lot of those attorneys take it
Speaker 4: on contingencies, so you're not paying a retainer, you're not
Speaker 4: paying an hourly fee for an attorney.
Speaker 1: That's right.
Speaker 4: They just go try to knock it out of the park,
Speaker 4: and I would say ninety nine percent of the time
Speaker 4: the attorneys get it. But that's the last line of defense.
Speaker 5: Yeah, that's it.
Speaker 7: And then if you lose that case, that's it. You
Speaker 7: had no case.
Speaker 8: Or if the attorney doesn't want to take it because
Speaker 8: they don't find it's a good case, well that's it.
Speaker 7: You're done and over. But those are all the different
Speaker 7: steps up to the end.
Speaker 8: The good part about if they fight you in court
Speaker 8: and you win, you can get trouble damages and attorney's fees.
Speaker 8: And I believe that's statutory, the attorney's fees if you win,
Speaker 8: it is, so, I mean that's a no brainer. If
Speaker 8: they don't want to give you thirty thousand, you end
Speaker 8: up getting ninety and the attorney ends up getting paid
Speaker 8: out of a different bucket. But that doesn't happen a lot.
Speaker 8: Usually what happens is if the attorney gets involved, you
Speaker 8: probably have a good case because it's their time and energy,
Speaker 8: and right before, right before the day before you you
Speaker 8: walk in and start picking a jury, they settle that way,
Speaker 8: they don't have to pay the treble damages because there's
Speaker 8: sleeves bags.
Speaker 3: A lot of them, so that you get then that's
Speaker 3: when you get your cut right at the end of
Speaker 3: the process.
Speaker 8: Correct, I don't collect until you're paid. Yeah, you don't
Speaker 8: collect until he's paid. And then once again the other
Speaker 8: thing Jr. Don't forget if you have more than one
Speaker 8: thing that was damaged on your property. So let's say
Speaker 8: you got the roof, you need a painter and landscaping
Speaker 8: or deck work or windows. Once you have three different
Speaker 8: things like that, and probably what ninety percent of the policies,
Speaker 8: maybe even more you can get overhead and profit they
Speaker 8: can be twenty percent, so you don't end up paying
Speaker 8: Matt anything, right, Okay, well.
Speaker 10: Too, I mean a lot of times when Matt and
Speaker 10: I are working together, and again, I mean we've done
Speaker 10: hundreds of claims together and we've probably had three go
Speaker 10: to lawyers.
Speaker 4: Yeah, it's very few and far between, and it's a
Speaker 4: waiting game. The lawyer thing takes a while. But those
Speaker 4: are nice mail box money.
Speaker 10: I mean, you know that.
Speaker 4: That's that's those guys going after every dime they can.
Speaker 8: Oh yeah, once the attorneys are in, oh my goodness,
Speaker 8: not only are they facing the treble damages, the attorney's fees,
Speaker 8: but the attorneys are going to find other things.
Speaker 10: To go after it right, and a lot of times
Speaker 10: you know.
Speaker 7: Faith loss, yes, exactly what it is a lot of.
Speaker 10: Times too, when Matt and I are working together on
Speaker 10: the claim, then we just take care of that too.
Speaker 10: So it's not even you don't even pay yourself, You
Speaker 10: just pay us for the work we're doing and we
Speaker 10: take care of Matt from there.
Speaker 4: A lot of times my fee is absorbed in the
Speaker 4: job cost. So every claim is different, every situation is different,
Speaker 4: but we just try to make sure that the customer
Speaker 4: comes out ahead and we all makes money and everybody's happy.
Speaker 7: Yeah, it's truly is a win win Jr. No matter what.
Speaker 8: Generally, what happens is you get a lot more brand
Speaker 8: new stuff on your house. I mean, really, that's the
Speaker 8: ultimate call. You got the new windows, you got the
Speaker 8: new siding, you got the new roof, You upgrade your house.
Speaker 8: Why just get the roof when there's damage and other
Speaker 8: people don't know how to look at the windows? And honestly,
Speaker 8: speaking of that peace because it's such a big insurance
Speaker 8: claim that comes with hail and people don't even realize
Speaker 8: it because the glass is intact.
Speaker 7: Once again, it's nothing to do with the glass. It's
Speaker 7: the seals. How do you actually look around and see
Speaker 7: that march?
Speaker 10: I mean, it doesn't happen overnight. You do need to
Speaker 10: get some condensation there to actually see that that seal
Speaker 10: is busted. And again, usually mornings is the best time
Speaker 10: to look at It's also it just looks a little
Speaker 10: foggy yep. And it's not that it's a dirty window.
Speaker 10: It's that there's some condensation there, and you don't see
Speaker 10: drops of water. It's just a very light bit of
Speaker 10: moisture that you can barely see.
Speaker 8: And when do you have the adjusters out in the afternoon?
Speaker 8: Generally right, the adjuster's not there at five am to
Speaker 8: see the condensation.
Speaker 15: Correct Go with a sure thing Denver's Best roofer Excel
Speaker 15: Roofing dot com. You don't pay a cent until you're content.
Speaker 15: Time for an insurance checkup free, no obligation. In comparison,
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out Now three o three, seven
Speaker 15: to seven to one help. You'll think you're his only customer.
Speaker 15: When you choose Frank Durand the real estate Man dot
Speaker 15: com to list your home with Remax Alliance three oh
Speaker 15: three nine two zero, sixteen.
Speaker 10: Twenty two.
Speaker 7: Seven eighty two five five.
Speaker 8: Hey, guys, what other advice on insurance claims? In fact,
Speaker 8: let's let's move off insurance.
Speaker 7: A little bit.
Speaker 10: Well, I still had one question, so go ahead, Mark, Okay, So, Matt,
Speaker 10: if somebody doesn't know they have damage, and a year later,
Speaker 10: two years later, also and they do a roof inspection.
Speaker 7: And the guy comes to him and says, hey, you
Speaker 7: got hail damage.
Speaker 4: Yeah, So what happens then, Well, the first thing I
Speaker 4: do is try to find a storm more recent than
Speaker 4: a year ago. And around here that's pretty easy to do.
Speaker 7: That is easy.
Speaker 4: Certain policies, you know, at certain insurance companies adhere to
Speaker 4: the one year rule, which is basically, a storm hits,
Speaker 4: you gotta file acclaim within a year. That's most companies, right,
Speaker 4: So if I can't find a storm within that year,
Speaker 4: you're pretty much sitting tight waiting for another one.
Speaker 1: Yeah.
Speaker 8: We've had we've had ones marked in Matt's work done,
Speaker 8: and I'll give you an idea. One it was in
Speaker 8: I think it was Castle Rock, it might have been Monument,
Speaker 8: but here was the bottom line. They found out exactly
Speaker 8: like you said, that damage happened but they didn't know
Speaker 8: it at the time.
Speaker 7: I have no idea how they figured out it was there.
Speaker 7: They might have seen their neighbor getting a new roof
Speaker 7: or whatever. It happened to me. So Matt went out
Speaker 7: there and no, they called up the insurance company. I
Speaker 7: remember this now.
Speaker 8: They called up and the insurance company said, that's old damage.
Speaker 8: That wasn't from whatever storm. And then that's when they
Speaker 8: called the show, and I had them call Matt. Matt
Speaker 8: went into whatever program he has and found out exactly
Speaker 8: when in that year's period of when there was a
Speaker 8: actual storm there, because the insurance company was trying to
Speaker 8: say it was, oh, that's from three years ago or whatever.
Speaker 8: Matt found a storm and prove to the insurance company
Speaker 8: it happened in that time, right.
Speaker 4: And then you reverse everything and they go oops, sorry.
Speaker 7: Yeah, but that was what they tried to use for
Speaker 7: an out. It was all damage.
Speaker 5: Yeah.
Speaker 10: So I goes, you know, going out to listeners there.
Speaker 10: If you think you had damage in the last three
Speaker 10: or four years, even nothing, should still call and have
Speaker 10: us take a look at it.
Speaker 8: Well, definitely within the last year. Oh, I see what
Speaker 8: you're saying now, Yeah, actually that is kind of a loophole.
Speaker 8: And you know what, I don't mind sharing that with listeners.
Speaker 8: Let's say you did have damage three years ago and
Speaker 8: didn't have damage this year, but there was a hailstorm.
Speaker 8: You could pin that hailstorm on the damage.
Speaker 4: I do it all the time.
Speaker 7: Yeah, and see, I don't mind saying that. People are like, oh,
Speaker 7: you guys are ripping off the insurance company. No, we're not. Well,
Speaker 7: how do we're playing the game by their rules?
Speaker 4: How does anyone really how do you know how old
Speaker 4: a hit is? Well, on an asphalt roof, you never would, right,
Speaker 4: you can see stuff that's like five ten years old
Speaker 4: with the little fibers.
Speaker 8: Show mark that's a great that's a great way to
Speaker 8: look at it, because who were they to say that
Speaker 8: was three years ago when there was a damn storm
Speaker 8: six months ago?
Speaker 5: Were you there?
Speaker 4: Can you prove that? And I mean that's what I
Speaker 4: say to them. You know you weren't at the house.
Speaker 10: I think you're going to one of my customers soon
Speaker 10: for that, Yeah, yeah, exactly kind.
Speaker 7: Of for what kind of stuff, Marker, you've been doing
Speaker 7: with Genesis lately this time of year. I know Deck's
Speaker 7: gotta be good.
Speaker 10: Yeah, Decking's good. You know a lot of painting.
Speaker 7: And I don't mean insurance claims. I mean people don't.
Speaker 10: Understand just just in general things that people are looking for.
Speaker 10: You know, painting is bigger than normal for us.
Speaker 7: Right now, you're painton Kelly's house right now.
Speaker 10: Yep, we got people at Kelly's house who answers the
Speaker 10: phone here right now.
Speaker 7: I always brag on Omar. Omar is one of his painters.
Speaker 7: This crew has been with you twenty.
Speaker 10: Years, twenty four twenty four years.
Speaker 8: He did our exterior four or five years ago. He
Speaker 8: just finished our interior. He's remarkable, the attention, the detail,
Speaker 8: and then the cost comes in, you know, right around
Speaker 8: everybody else. But you have one of the best painters out.
Speaker 10: There, right and so I mean, you know, is well
Speaker 10: versed in doing it and everything like that.
Speaker 8: And so fixing drywall patches. You know, when you think
Speaker 8: of painting, it's not like just grabbing a roller and
Speaker 8: painting house. When I see these guys prep you had.
Speaker 8: Omar had probably five or ten people out there the
Speaker 8: first day. The whole thing's prep. Anybody can grab a roller.
Speaker 8: But if you want those lines perfect, if you want
Speaker 8: all those pinholes in the wall, done.
Speaker 7: If you need new.
Speaker 8: Texture because there was a big spot. All that stuff
Speaker 8: is where that attention, the detail comes from.
Speaker 10: Well, yeah, painting's easy. Prep is not.
Speaker 5: The prep is a prep.
Speaker 10: Prep is what makes a great prep paint job. Yeah
Speaker 10: for sure. So you got decks Yeah yeah, And you
Speaker 10: know we're not just in the metro area too. I
Speaker 10: mean we have crews right now working in winter Park.
Speaker 10: I mean winter Park is exploding.
Speaker 7: Is it really?
Speaker 10: Yeah?
Speaker 7: And so oh you have a place up there too.
Speaker 10: I do have a place up there. But we're doing
Speaker 10: a lot of work in winter Park.
Speaker 7: How about like Colorado Springs busy?
Speaker 10: Collin Springs is right now is not as busy as
Speaker 10: normally as for us, you know, it's it's a little
Speaker 10: bit slower than normal.
Speaker 7: You go to Fort Collins, Yeah, we go.
Speaker 10: To Fort Collins, Yes we do. So we go you
Speaker 10: know through the whole front range.
Speaker 7: Yeah, well including the front range itself.
Speaker 10: Yeah for sure.
Speaker 7: And so Evergreen a big one.
Speaker 10: Evergreen's where I lives. So yeah, so that is a
Speaker 10: it's a great, great area.
Speaker 7: Something I didn't know you did. I've got a great
Speaker 7: company on our referral list, been there forever. Coming out.
Speaker 7: I would have got a bid from you on it
Speaker 7: as well, but I didn't even know you did it
Speaker 7: to Cement concrete pavers. I got pro form coming out
Speaker 7: next Monday season.
Speaker 9: They're starting Monday.
Speaker 7: Yeah, they're coming out and doing half my driveway.
Speaker 10: Wow.
Speaker 8: I mean you've been to my house numerous times, so
Speaker 8: you know the size of the RV I got. It
Speaker 8: is such a pain in the ass to back it
Speaker 8: in that garage because the way the driveway. So they're
Speaker 8: going to extend my driveway in with and a little
Speaker 8: bit of length and basically I'm going to be able
Speaker 8: to pull almost straight down.
Speaker 7: So I'm looking forward to that. But going back to you,
Speaker 7: I had no idea we.
Speaker 10: Do concrete, yes, yeah, and you do a lot of it.
Speaker 14: We do.
Speaker 10: I mean, concrete is a great business beyond just patios,
Speaker 10: oh beyond pio. So we do a lot of driveways,
Speaker 10: you know, and again pavers pavers.
Speaker 8: Are streachiest part we get. So many complain it's over
Speaker 8: the years on concrete in general. In other words, people
Speaker 8: have got to understand it's concrete. It's never going to
Speaker 8: be perfect. You might have a hairline crack.
Speaker 7: In fact, a lot of people call what Spaulding I.
Speaker 10: Mean scraulding is when they overwork the concrete. They're sitting
Speaker 10: there and they keep working and working and trying to
Speaker 10: get it perfect, and sometimes I'd be better off. Okay,
Speaker 10: we're really close and we should just leave it alone.
Speaker 7: What does that mean though? When they I understand that
Speaker 7: they're trying to get it perfect, but why.
Speaker 10: Rocks are rising up to the top and so the
Speaker 10: concrete is not very thick in the very top player
Speaker 10: so it's popping off because you got rocks up there,
Speaker 10: or they just have too much rock in their mix.
Speaker 8: Or just and that's kind of a cheap way to
Speaker 8: do it right. So what I learned over the years
Speaker 8: is when the truck shows up, you can get a copy.
Speaker 10: What do they call you get a certificate? Yep, you
Speaker 10: get a certificate. What's inside that truck?
Speaker 8: Yeah, exactly what's in there? So if anybody ever, you know,
Speaker 8: if you look at your like when you give someone
Speaker 8: a bit on concrete, do you spell out like the mix?
Speaker 10: We we spell out and we said what your psis
Speaker 10: could be on the concretes.
Speaker 7: And then if they take the load sheet when it
Speaker 7: actually shows up.
Speaker 10: And they like, okay, I know this is what I'm
Speaker 10: getting and you know that.
Speaker 7: And how many people actually make concrete not not poor it.
Speaker 7: There's a lot of.
Speaker 5: People, you know.
Speaker 10: I mean we only use one one supplier.
Speaker 7: Oh okay, fine, but yeah, we use.
Speaker 10: One supplier because my guys we guaranteed. The concrete is
Speaker 10: guaranteed too, Okay, So I don't just have a guarantee
Speaker 10: from my installer, but I also have a guarantee from
Speaker 10: my supplier of the concrete for the.
Speaker 7: Actual This guy, Mike's got a props to you. Hey, Mike,
Speaker 7: what's your props to either Matt or Mark?
Speaker 12: No, it's it's the Matt.
Speaker 23: He's working on insurance claim with me, and I wanted
Speaker 23: to give him a big auta boy.
Speaker 7: Hey Mike, what's your insurance company?
Speaker 10: Huh?
Speaker 7: What's your insurance company?
Speaker 13: Old State?
Speaker 7: And what happened? Did you call Matt from the beginning?
Speaker 7: Was it a hailstorm to tell us?
Speaker 13: Yeah?
Speaker 23: Yeah, I kind of from the beginning, I thought we
Speaker 23: had hail damage on the sightings and insurance company said no,
Speaker 23: and Matt, when looked at him, sent the pictures and stuff.
Speaker 23: And there's still stone.
Speaker 17: Ball on this.
Speaker 7: But where is your house at?
Speaker 13: Oh in Aurora?
Speaker 23: It's two houses to to my rental.
Speaker 7: House, Matt, do you know what we're talking about here?
Speaker 4: I do, And they were fighting me so bad. I'm
Speaker 4: giving it to my attorney.
Speaker 7: So this is one thing.
Speaker 10: This is one.
Speaker 4: Yeah, this is one that's going all the way.
Speaker 7: And then how is like when you go out what
Speaker 7: was it siding?
Speaker 5: Yeah?
Speaker 4: It was three houses. I looked at his primary home
Speaker 4: and two rentals, and one of them I think one
Speaker 4: of them was definitely siding, and the other one I
Speaker 4: think was the roof. I'd have to look at her
Speaker 4: denying everything. Well, they're on the siding. They're saying it's
Speaker 4: wear and tear, it's old siding. But my argument is
Speaker 4: there's hail on it too, so that should trump everything. Yeah,
Speaker 4: and I'm just getting pushed back, you know, And I'm saying,
Speaker 4: all right, well, let's take it to the lawyers. They'll
Speaker 4: knock it out of the park and we get a
Speaker 4: bunch of extra stuff too.
Speaker 10: Yeah.
Speaker 7: Yeah, that's nice, Mike.
Speaker 13: Go ahead, Yeah, and that's great.
Speaker 23: I really really appreciate. I don't know what I've done when, Oh,
Speaker 23: thanks for Cary.
Speaker 7: You probably would have just taken it by the shorts, man,
Speaker 7: I mean, like, for real, yeah.
Speaker 23: I wouldn't have known what to have done, what to do?
Speaker 21: I'm sorry?
Speaker 8: Yeah, all right, Hey, we appreciate that, Mike three o
Speaker 8: three seven one three eight two five five. We've got
Speaker 8: time for one more call three oh three Martino.
Speaker 15: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 15: dot com. You don't pay a cent until you're content.
Speaker 15: Time for an insurance check up free, no obligation comparison
Speaker 15: call Compass Insurance paying too much your coverage at dozens
Speaker 15: of insurance companies find out now three oh three, seven
Speaker 15: to seven to one help. You'll think you're his only
Speaker 15: customer when you choose Frank Durand the real estate Man
Speaker 15: dot com to list your home with Remax Alliance three
Speaker 15: oh three nine two zero sixteen twenty two.
Speaker 7: Two five five one Clear Choice Stores.
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Speaker 8: weight loss. Uh yeah, check it out, guys. I'll tell you, guys,
Speaker 8: now you're ready for this. I'm at almost forty pounds okay,
Speaker 8: I started a little over two thirty and I'm like
Speaker 8: one ninety two the michelob Ultra I switch beers. No,
Speaker 8: that would be easy. It's a Denver region. These guys
Speaker 8: are great. I'm on what's called try zeppaitoid. I always
Speaker 8: get a wrong try zeppatide whatever it is. But the
Speaker 8: bottom line is I just don't crave food. I mean,
Speaker 8: that's that's the best way to say it. It's not
Speaker 8: like a normal diet where all you're doing is not
Speaker 8: eating and thinking about eating. You don't eat and you
Speaker 8: don't think about eating.
Speaker 4: Do you think there's anything to your stomach shrinking and
Speaker 4: it's smaller, so you're.
Speaker 8: Slows down your intestines, it slows down your digestive system.
Speaker 8: Here's what's cool about it, Matt. It's almost like testosterone therapy.
Speaker 8: It's exactly what your body makes when you eat something.
Speaker 8: Your body releases a chemical that goes to your brain
Speaker 8: and says I'm full.
Speaker 7: They use that.
Speaker 8: It's the exact thing, or like ninety nine percent, and
Speaker 8: I'm not a doctor. I'm going off a memory when
Speaker 8: he's in. But it's like ninety five or ninety nine
Speaker 8: percent the exact same thing your body produces when you eat.
Speaker 8: You're just taking it and it slowly releases.
Speaker 7: Into your system. You do a shot each week. Shot
Speaker 7: doesn't hurt at all. It's like nothing.
Speaker 8: So it's such a skinny needle you don't even feel it,
Speaker 8: and it's not intervenous. You just put it in some
Speaker 8: fat basically, so it lasts for a week and it
Speaker 8: just tells your body you're full. And not only does
Speaker 8: that make you feel full like your stomach, but it
Speaker 8: also tells your brain literally you're full. And that's how
Speaker 8: it works.
Speaker 4: And so the energy levels.
Speaker 7: Energy level, Yeah, you got to watch that.
Speaker 8: I do a protein I don't even know what it's called,
Speaker 8: like a protein shake, just to get some protein in there.
Speaker 7: And you got to kind of make yourself eat. You
Speaker 7: got to actually go.
Speaker 8: Like, oh, I forgot to eat today. It's crazy as
Speaker 8: that sounds, but it works. I mean less than six
Speaker 8: months forty pounds.
Speaker 10: So this is different than when you used to eat
Speaker 10: once a day it well, which he still does, which
Speaker 10: I still do.
Speaker 7: But here's the funny part of mark. I would think
Speaker 7: of food.
Speaker 12: Though.
Speaker 8: On a Friday, when we got pizza here and I
Speaker 8: was only eating once a day, at four o'clock, it's
Speaker 8: called intermittent fasting. I couldn't stop thinking about that damn
Speaker 8: pizza in the other room, or the chips that would
Speaker 8: be out in the newsroom, or the cake because it's
Speaker 8: someone's birthday at work. I mean, in this building, you're
Speaker 8: surrounded by food. Voodoo Donuts will send donuts here all
Speaker 8: the time. There is always food for people that work
Speaker 8: in this building. And even if I was eat eating
Speaker 8: once a day, I'm just constantly you pass at Voodoo donut.
Speaker 8: Is that a donut with bacon on it? I mean,
Speaker 8: who doesn't want a donut with bacon on it? So
Speaker 8: you're fighting with your brain with this. You don't even
Speaker 8: it's not even a second thought. That's the difference. When
Speaker 8: I used to do a very low carb diet, I'd
Speaker 8: get to the point where I'd kill for a strawberry.
Speaker 8: You know, any kind of sugar is what you crave
Speaker 8: when you don't do carbs. So all I would think
Speaker 8: about is that I could drop thirty pounds and I
Speaker 8: could do it in two months. But man, all I
Speaker 8: did was be miserable and think of food. That's really
Speaker 8: the difference with these new class of drugs. But Denver Regen,
Speaker 8: just I can't believe how cheap it is. I mean,
Speaker 8: they've got people less than three hundred bucks a month.
Speaker 8: So I wanted to tell people about that. Less than
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Speaker 8: Check them out Denverregen dot com. Hey, by the way,
Speaker 8: real quick, Mark Schamansky Genesis three, three, six, seven nine
Speaker 8: eighty five oh nine, and thanks for being here. And
Speaker 8: then Matt Parragon Services seven one nine seven two six
Speaker 8: zero zero twenty.
Speaker 7: We'll see you here tomorrow, HM,