Speaker 1: Yeah, RiPP.
Speaker 2: You needed, that's who you don't have.
Speaker 1: Come running just as fast as we can.
Speaker 2: Shooter's gonna help coming.
Speaker 3: Man Dix is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 4: Tom Martino here, Welcome to the show. Three oh three
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Speaker 4: My friend Paul thewaterman dot com three oh three eight
Speaker 4: six two five five five four. So what's on your mind?
Speaker 4: I have Brian Burns with the Compass Insurance Group. Now, Brian,
Speaker 4: I'm going to bring up the uh, the old wide shot.
Speaker 4: Brian's over here to my right and UH, Brian Insurance,
Speaker 4: what's going to happen in California? I know you've guys
Speaker 4: discussed this before. What does this mean for the insurance industry?
Speaker 4: Are people going to be able to buy insurance? For
Speaker 4: God's sakes? Yeah.
Speaker 5: In California, it's especially it's a different circumstance because the
Speaker 5: insurance companies had already done a lot of the non
Speaker 5: renewals prior to the fire. So a lot of the companies,
Speaker 5: specifically State Farm had pulled out and had non renewed
Speaker 5: a bunch this summer. So the biggest exposure is with
Speaker 5: their fair plan, which is their you know, insure of
Speaker 5: last resort, And so that's who's going to take a
Speaker 5: huge hit on this, on this fire loss. And basically
Speaker 5: what that is is all the insurance companies have participated
Speaker 5: with it, and I think in California that it's got
Speaker 5: some state funds associated with it too. But what I've
Speaker 5: read is that they only had a billion dollars of
Speaker 5: reinsurance for that program. What reinsurance, So insurance companies have
Speaker 5: to get insurance is the easiest explanation. They get insurance
Speaker 5: for catastrophic losses. If something like this were to happen,
Speaker 5: they don't have enough money to be able to.
Speaker 4: Pay out bring down an insurance company.
Speaker 5: Well, the fair plan isn't an insurance company. But yeah,
Speaker 5: you know, we've seen an insurance company out before. Yeah,
Speaker 5: I mean we saw it with AIG if you remember
Speaker 5: back in the day whenever the financial crisis hit, uh
Speaker 5: and they were going bankrupt and federal government stepped in
Speaker 5: and had to loan them money. So yes, it can
Speaker 5: bring down an insurance company.
Speaker 4: So right now, what does it do for us and
Speaker 4: people around the country. Will it affect all of us
Speaker 4: in the aggregate?
Speaker 5: Yeah, I mean, insurance is all about spreading the risk
Speaker 5: from you know, a.
Speaker 4: Small from the few to the day.
Speaker 5: Yeah, that's the whole concept behind insurance. So it's impossible
Speaker 5: to think that this won't have an effect on the
Speaker 5: entire country. But more than that, if we're looking more locally,
Speaker 5: in addition to possibly premium changes because of this, what
Speaker 5: you're going to find is that their insurance companies are
Speaker 5: going to get tighter and tighter on fire prone areas.
Speaker 5: And it's not like they have it already. Here in Colorado,
Speaker 5: you're seeing you know, Evergreen and places that are subject
Speaker 5: to a greater likelihood of fire. Those are going to
Speaker 5: become harder and harder to find insurance. And you know,
Speaker 5: Colorado is coming out with their own version of a
Speaker 5: fair plan like I just mentioned, So there will be
Speaker 5: an insurer last resort, but it's not going to be
Speaker 5: overly affordable, and there's going to be such limitations. It's
Speaker 5: really bad coverage. Just it's terrible coverage. It's ACV on everything,
Speaker 5: So it's actual cash value on everything the Colorado Fair Plan,
Speaker 5: and the max residential value is seven hundred and fifty thousand.
Speaker 4: Well, people are going to lose equity if they have
Speaker 4: total losses most of the time. Most of the time,
Speaker 4: the equity you've built up is gone. You're gonna have
Speaker 4: all you can do to rebuild. Yeah. Some people even
Speaker 4: ended up with mortgages up north here in Colorado where
Speaker 4: they're going to end up with new mortgages even if
Speaker 4: houses were paid off, Yeah, or bigger mortgages.
Speaker 5: And as you can imagine that that bigger mortgage mortgage
Speaker 5: also will probably be a higher percentage than what they
Speaker 5: had previously.
Speaker 4: Is there anything, But there's really nothing we can do
Speaker 4: to prevent that. Is there not catastrophic loss? No? I
Speaker 4: don't think you can adequately assure against it.
Speaker 6: No.
Speaker 5: I mean, if you can get a policy that has
Speaker 5: the uncapped placement costs.
Speaker 4: Where it can truly cont ever it cut whatever is.
Speaker 4: There's such a thing.
Speaker 5: There is, absolutely, There's not many carriers that have it,
Speaker 5: but we have. I have three carriers that offer uncaptured
Speaker 5: replacement costs.
Speaker 4: Tell me what Tell me what that would mean to
Speaker 4: someone versus a cap okay cost? Yep? So or do
Speaker 4: you want to take a specific you want to take
Speaker 4: my house and have your people run it?
Speaker 1: Uh?
Speaker 5: As far as what the replacement costs I have right
Speaker 5: now on top? What do you have uncapped?
Speaker 4: Oh?
Speaker 5: I do you do? Yep? You're with one of those
Speaker 5: carriers that offers uncapped replacement costs?
Speaker 4: Well, how much would I say if I had twenty
Speaker 4: five or thirty percent?
Speaker 5: Well, they don't even offer it. Your own particular carrier doesn't.
Speaker 5: But yeah, if if a carrier offers it, it's a
Speaker 5: no brainer to take it, because you're not talking about
Speaker 5: a big difference in print.
Speaker 4: Okay.
Speaker 5: The problem is most carriers don't offer it.
Speaker 4: The most in my carry Again, I'm not pure? Is
Speaker 4: that mine? Yes? Yeah, yep. And again these guys I
Speaker 4: have so much trust in them. I know what I have,
Speaker 4: don't I don't want to sound vacant, but I put
Speaker 4: so much trust in them. They just tell me, you
Speaker 4: know what I should do, and and that that's really
Speaker 4: what you want, by the way, but you have to
Speaker 4: earn that trust. You can't just hire someone. And I
Speaker 4: mean this has been many, many, many years. So okay,
Speaker 4: so again this is really important, really important, and we're
Speaker 4: gonna revisit it. I'm going to go to the phones. Peter, Peter,
Speaker 4: pumpkin eater, Peter. What's happening, bro? What's going on? Peter?
Speaker 7: So you real quick? I uh signed up for a
Speaker 7: subscription service for for medication from a place called Hams.
Speaker 4: And what kind of medication Peter?
Speaker 7: It was the stuff to make you happy?
Speaker 4: The the are you talking about testosterone?
Speaker 8: No?
Speaker 7: No, no, no, no, I it's for sex. It's I
Speaker 7: got like it was like what's it called called padela
Speaker 7: fill or something like that.
Speaker 4: Oh oh, you're talking about like like a generic biagra
Speaker 4: or cialis exactly exactly.
Speaker 9: You know.
Speaker 4: I often wonder why people don't go to their primary
Speaker 4: care for that stuff, yeah, you know, including hormone replacement
Speaker 4: or or at least a concierge doctor that does this.
Speaker 4: But it's okay, I mean, you know, the real, the
Speaker 4: real deal with ED medicine is that you use it
Speaker 4: properly and you get the real stuff. I mean, and
Speaker 4: Hymn's has the real stuff.
Speaker 7: They do correct. So but you make a great point,
Speaker 7: and it would be a lot easier just to go
Speaker 7: to your main doctor and be a lot cheaper too.
Speaker 7: But anyway, I didn't do that, and I got my
Speaker 7: first shipment from them, no problem. And they did another
Speaker 7: shipment a few days ago, and they want three hundred bucks.
Speaker 4: And now, wait a minute, what is the subscription all about?
Speaker 7: So it was basically it was like it was it
Speaker 7: wasn't very many pills. It was like it was like
Speaker 7: five pills or something. The first one was like maybe
Speaker 7: like seventy bucks or something like that.
Speaker 4: The second one, this seems like a lot of money.
Speaker 10: It does.
Speaker 4: I have primary care that primary Care takes care of that.
Speaker 4: It's really not expensive stuff.
Speaker 7: So the thing is the rub is that they they
Speaker 7: took out three hundred dollars out of my checking account.
Speaker 7: And I called and I said, I don't want.
Speaker 1: To do this.
Speaker 4: I want, but you must have agreed. You must have
Speaker 4: agreed to it, though right.
Speaker 7: I don't show anything that I agree to it. But
Speaker 7: the thing is it hasn't even shipped yet, it hasn't
Speaker 7: even been filled yet. But they won't get me my
Speaker 7: money back. They said that it's too late. But they
Speaker 7: haven't even like filled the prescription yet. They haven't done anything.
Speaker 7: And just sitting there, I mean, I haven't done anything.
Speaker 4: It's dark. Well that that that makes makes no sense
Speaker 4: to me. Man, it doesn't make that makes sense.
Speaker 7: I just put my money back and they when you call,
Speaker 7: and what I've learned.
Speaker 4: Now they actually they actually took it out of your
Speaker 4: account already. It's not a credit card, it was an actual,
Speaker 4: it was an ace. Why did you give them your
Speaker 4: ach information? Why'd you give them that?
Speaker 7: I don't have a credit cards anymore. I just I
Speaker 7: eliminated all credit cards.
Speaker 4: So here, let me give you. Let me give you
Speaker 4: some steps to take right now. Okay, man, you're not
Speaker 4: gonna you're not gonna like it. You not only have
Speaker 4: to stop the ach from future, you have to change banks. Okay,
Speaker 4: let me tell you why. I'll tell you why. When
Speaker 4: you have an account with a bank, you actually sign
Speaker 4: an agreement saying that if one account is short, they
Speaker 4: can go to another account in the same bank. You
Speaker 4: also sign an agreement you also sign an agreement saying
Speaker 4: that if you initiated an AH, you cannot stop that ach.
Speaker 4: If you initiated it with the vendor, the vendor has
Speaker 4: to stop it. So, in other words, this is if
Speaker 4: the if the vendor shows an agreement, even if you
Speaker 4: close the account and open another one with the same bank,
Speaker 4: the vendor can tap that count. So what bank do
Speaker 4: you have? I have a bell cup. You're going to
Speaker 4: literally have to close your account with them and open
Speaker 4: somewhere else at a new institution, and then you're going
Speaker 4: to have to deal with the money they took from you. Now,
Speaker 4: I have no doubt they had authorization to do so,
Speaker 4: and I don't know if you read your agreement. I
Speaker 4: don't like these places that force you into a subscription.
Speaker 4: Do not do it, in my opinion, do not do it.
Speaker 4: I mean, to me, they're crazy. I mean, why would
Speaker 4: you why? I mean, these people at Hymn's they want
Speaker 4: to do skincare, they want to do ED, they want
Speaker 4: to do compounded weight loss, they want to do anxiety medicines,
Speaker 4: chewables to grow hair. I mean, okay, it's a concept.
Speaker 4: Give it to him. Everything they need in one spot.
Speaker 4: But this I don't like subscription models. When I go
Speaker 4: to my primary care, they don't make me sign up
Speaker 4: every month. I don't want to do it. So that's
Speaker 4: the best advice I have for you right now.
Speaker 7: So that's pretty much just you don't think there's anything
Speaker 7: I can do to get my money back with.
Speaker 4: Them, like the well, one thing at a time, One
Speaker 4: thing at a time, bro protect future payments, get done.
Speaker 4: Then when you get that done, let's talk about then
Speaker 4: we'll talk about going after him. I mean, I mean that,
Speaker 4: but one thing at a time. I got to look
Speaker 4: into getting your money back on an ach Okay, so
Speaker 4: you may have to do a small claim score, but
Speaker 4: you gave them authorization.
Speaker 7: No, no, no, if you correct.
Speaker 4: Sure.
Speaker 7: I just think it's a simple fix for them. They
Speaker 7: just need to give them money money back. They haven't.
Speaker 4: Yeah, but they don't want to anything. They don't want
Speaker 4: to because they're greedy. Listen, when they're greedy, they don't
Speaker 4: want to. If they didn't ship, they could do it,
Speaker 4: but they don't because they're greedy. There's no other reason.
Speaker 4: And they're holding you to the letter of the law.
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Speaker 4: three eight two five five. By the way, Kaenage Home Solutions.
Speaker 4: I want to talk a little bit about the Alpin window. Now, listen,
Speaker 4: there are all kinds of windows. These are made right
Speaker 4: here in Colorado for Colorado, and I've had them in
Speaker 4: my home. They were under a different name, but they
Speaker 4: were made right here in Colorado, same factory and everything.
Speaker 4: Wonderful windows. You might want to look into them, and
Speaker 4: that's kh Windows dot Com. Okay, So I wanted to
Speaker 4: mention that because they were some of the most superior
Speaker 4: windows I've had. Now, there's a lot to choose from,
Speaker 4: but it's good that you can shop around. Okay, Lisa,
Speaker 4: what's going on with you? Hello? Lisa, Lisa, Yes, can
Speaker 4: you what's going on with you? Lisa?
Speaker 11: Okay, I'm going to try to make it brief.
Speaker 12: So I went to we need new appliances in our kitchen.
Speaker 12: We have a very small kitchen, so we have been
Speaker 12: pricing and doing all that thing.
Speaker 11: So we decided Low's was our best option.
Speaker 13: There's the measurements, my husband did.
Speaker 11: I'll throw under the bus anyway.
Speaker 12: We took our measurements, talked.
Speaker 11: To the loads. He said, okay, that's great, and we
Speaker 11: ordered deliveries were set.
Speaker 12: Up for different days for different appliances. Well Bridge and
Speaker 12: my stove was coming last week, so the delivery guys
Speaker 12: showed up, took my stove and my refrigerator out, put
Speaker 12: it in the front yard.
Speaker 8: Brought in.
Speaker 12: The new stuff does not sit anywhere close like inches
Speaker 12: and inches.
Speaker 4: I can't open the well. Hold on, who did the measuring?
Speaker 4: My husband.
Speaker 11: That I asked the delivery guys.
Speaker 12: And we know that's on us.
Speaker 11: So I asked the delivery guys.
Speaker 12: I'm like, hey, can you just take these back to
Speaker 12: the warehouse, put my stuff back. I'll go down to lows,
Speaker 12: you know, we'll see what the fool's meant. And the
Speaker 12: guy looked at me and he goes now, and he
Speaker 12: starts speaking to me or speaking to his friend in Spanish,
Speaker 12: and I understand Spanish, and they were saying, I'm a
Speaker 12: stupid woman.
Speaker 14: They don't know how to measure, blah blah blah.
Speaker 12: Anyway, I call a friend of mine who gets on
Speaker 12: the phone with them.
Speaker 11: Who speaks for on Spanish, and says, please.
Speaker 12: Put her appliances back, take the news back to the warehouse.
Speaker 12: I'll go with her, you know, I'll come and measure
Speaker 12: for her and we'll get her new appliances. And the
Speaker 12: guy goes, now, we're not going to do that, and
Speaker 12: he drives. He just loads the stuff up on the
Speaker 12: truck and leaves with the new refrigerator.
Speaker 4: And by the way. Did you offer? Did you offer
Speaker 4: to pay them extra for that?
Speaker 15: I did?
Speaker 4: Yeah, you did. And why wouldn't they want to make
Speaker 4: some extra money? That is?
Speaker 12: I said, man, I'll give you fifty bucks, just please
Speaker 12: put my stuff back.
Speaker 8: I'll even help.
Speaker 9: And they said no.
Speaker 12: So then they started getting nasty. They were talking to
Speaker 12: my friend on the phone, and you know, they drove off.
Speaker 12: So I called my husband at work.
Speaker 1: He comes home.
Speaker 12: I take off and go right to Lows and I
Speaker 12: talked to.
Speaker 11: The sales guy who helped us, and he goes and
Speaker 11: gets his manager and he says.
Speaker 4: Now, did they take the other appliances back? Hold on,
Speaker 4: did they take the new appliances back?
Speaker 12: No, they left them in the middle of my kitchen,
Speaker 12: not hooked up.
Speaker 11: Okay, they're literally sitting in.
Speaker 4: The go ahead my kitchen, all right, So what happened?
Speaker 1: Then?
Speaker 16: I tell you.
Speaker 12: So then I'm talking to the manager, the appliance manager.
Speaker 12: His name is Mike at the Parker Low and he says, oh, gosh,
Speaker 12: this is no problem, easy fakes. We'll get you taken
Speaker 12: care of.
Speaker 11: I'll call the warehouse.
Speaker 12: They'll bring your.
Speaker 11: Stove and your refrigerator back.
Speaker 12: We'll get the new stuff taken out of there. I'm
Speaker 12: going to send somebody over to measure make sure.
Speaker 4: When you said, when you said they'll bring your other wait,
Speaker 4: when they said they'll bring your other appliances back, what
Speaker 4: do you mean did they take did they take them
Speaker 4: from the house?
Speaker 10: Yeah, if I understand her correctly, they took off with
Speaker 10: her old appliance.
Speaker 4: Did they take off with your old appliances?
Speaker 7: Yes?
Speaker 11: Yes, they in their truck after I told them not to.
Speaker 7: I said, you believe it, but let me.
Speaker 4: Ask you this. Hold on, yeah, but hold on, but
Speaker 4: hold on, Lisa. Were you getting were you trading in anything?
Speaker 4: Or were you they were scrapping them for you?
Speaker 9: Or what.
Speaker 7: They tell me?
Speaker 4: Okay, good, all right, keif see you keep going yep, yeah.
Speaker 6: I paid for that, and I said, I don't care
Speaker 6: about the charges. I mean obviously they brought it and
Speaker 6: moved stuff. And I even told the guys, hey man,
Speaker 6: you know, here's some coffee.
Speaker 11: You know you want some water?
Speaker 14: I'll pay fifty bucks, please put.
Speaker 7: My stuff back.
Speaker 4: Yeah, I get it.
Speaker 1: I get it.
Speaker 4: So where does this stand right now? Without going by blow?
Speaker 4: Where does the stand?
Speaker 12: So after every single day of talking to loads and
Speaker 12: them telling me no, problem. It's now a problem. They
Speaker 12: the appliance manager who told me he was going to
Speaker 12: call the warehouse and have my stuff brought back and
Speaker 12: send somebody out to remeasure to make sure they can
Speaker 12: find something to fit.
Speaker 11: My stuff got scrapped.
Speaker 12: So I have a refrigerator in the middle of my
Speaker 12: kitchen and a stove sticking out in the middle of
Speaker 12: my kitchen and they can't find my old appliances. So
Speaker 12: every day I've been calling them, going what are we
Speaker 12: going to do?
Speaker 17: What are we going to do?
Speaker 4: And well, I think the easiest Lisa, let's look, Lisa,
Speaker 4: let's look toward solutions. The only thing I think you
Speaker 4: can do is go there and get stuff that fits,
Speaker 4: or make your kitchen so it fits. This all started
Speaker 4: with your.
Speaker 14: Husband's Here's the problem.
Speaker 12: They no longer make because my house is twenty five
Speaker 12: years old. They no longer make a stove to fit
Speaker 12: that depth.
Speaker 4: Then you may have to get it altered at home.
Speaker 12: In your kitchen.
Speaker 4: Yeah, well, I mean what Lo's doesn't owe you a
Speaker 4: new kitchen.
Speaker 7: Listen.
Speaker 4: Low's doesn't ow you listen, Lisa, Lisa, listen, Please, they
Speaker 4: don't owe you a new kitchen. What they owe you
Speaker 4: is the value of your old appliance is at best,
Speaker 4: At best, that's what they owe you. At the very
Speaker 4: very very very best, they would owe you that, which
Speaker 4: is next to nothing. Let's just call it like it is.
Speaker 4: There is no perfect solution here. They're not going to
Speaker 4: redo your kitchen, are going to sell you what they have.
Speaker 4: And then you guys made the mistake. They took your appliances,
Speaker 4: Yes they did, Okay, was it wrong for them to
Speaker 4: take it? I don't know. I mean, I think these
Speaker 4: guys could have been nicer and left them. They they
Speaker 4: could have. I don't know. I don't know if they
Speaker 4: profited by Bye by scrapping him. But here's what I
Speaker 4: do know. We got to look for a solution.
Speaker 1: Now.
Speaker 4: So what would you propose as a solution.
Speaker 7: Tell me what is your that fits?
Speaker 1: I wanted.
Speaker 13: I wanted my appliances back.
Speaker 1: So so now.
Speaker 4: Right now there there, you can't get it back. Tell
Speaker 4: me what you want, Tell me what you want.
Speaker 12: I want to be reimbursed for my stuff.
Speaker 4: How much do you think they're worth? How old were they?
Speaker 4: How old? Ten years old? Ask me how much do
Speaker 4: you think? Asked Amitri? What paper? I didn't know, Mark, Mark,
Speaker 4: I didn't know you were there. Man. So Tom, I
Speaker 4: have another idea I wanted to bounce off of you.
Speaker 10: What do you think, Lisa, why don't you just go
Speaker 10: to Low's get a refund on the appliances that are
Speaker 10: sitting in the middle of your kitchen and go to
Speaker 10: all the other go to all the other hardware stores
Speaker 10: and find applying.
Speaker 4: Can you hear them? Well? Okay, let me just let
Speaker 4: me just pump the crap out of it.
Speaker 10: Go ahead, okay, Lisa, So I'm just gonna repeat this
Speaker 10: because we had an audio problem when I was talking.
Speaker 4: But here you tried.
Speaker 7: What do you think of this?
Speaker 10: Let's get let's get a refund on your appliances from
Speaker 10: Lows and just go to all these other appliance stores
Speaker 10: They're everywhere, and buy some appliances that will fit your kitchen.
Speaker 4: That's what we talked about. She said, she can't find it.
Speaker 12: I have trouble believing they don't make that depth anymore.
Speaker 4: Okay, but everything else can be replaced.
Speaker 12: Yeah, but I'd have to move my dishwasher and I'd
Speaker 12: have to take out habit it is to make the
Speaker 12: fridge fit because they don't have.
Speaker 11: Okay, they don't have shorter refrigerators that would fit that space.
Speaker 4: Okay, well, Lisa, I will tell you this, okay.
Speaker 12: And the store had told me they were going to
Speaker 12: take care of this, but they called last night. Let
Speaker 12: me just tell you what they told me. I asked them,
Speaker 12: please go find my appliances and bring them back, and
Speaker 12: I'm going to go away give me my stuff back.
Speaker 4: They said no, no, no, no no.
Speaker 12: So last night the warehouse manager called me and said,
Speaker 12: we're going to go to the scrap yard and we're
Speaker 12: going to go get your appliances and we're bringing them
Speaker 12: to your house today. And I said, after they've been
Speaker 12: sitting in the snow for a week.
Speaker 4: Okay, you know, Lisa, Lisa, I'm going to tell you
Speaker 4: something you're not going to want to hear it. There's
Speaker 4: not going to be a perfect solution. So you take
Speaker 4: your appliances back. If he can find them, take them back.
Speaker 4: Sitting in the snow in a week is not going
Speaker 4: to hurt them. I know you don't want to hear that,
Speaker 4: but they won't. Okay, this mistake has to be born
Speaker 4: by most with you guys. Now, the fact that they
Speaker 4: took them away is BS. It's BS, Lisa, I don't
Speaker 4: know why, you know, they contract with these people. I
Speaker 4: don't know why they couldn't have just dropped them if
Speaker 4: you paid them to do it. And I don't know
Speaker 4: what went on. All I know is, you know it
Speaker 4: wasn't their fault. Okay, it just wasn't. They sold you appliances,
Speaker 4: they offered to take the old ones away. You're coming
Speaker 4: at it from a whole different ballgame. They had really
Speaker 4: no responsibility to you other than courtesy. And did they
Speaker 4: go the extra mile? Anyone can argue that. But what
Speaker 4: I'm saying now is this, take your appliances back. If
Speaker 4: you can get them, just take them back and then
Speaker 4: move on to another place. And if you can't get
Speaker 4: a stove ever, then you'll never get one. But you
Speaker 4: know what, that's what kitchen remodeling is all about. There's
Speaker 4: very seldom, very seldom remove and replace right now with
Speaker 4: anything because of how houses have changed. You know, I
Speaker 4: I it's a you know, I'm not I'm not faulting
Speaker 4: you for feeling the way you do. I would feel
Speaker 4: the same way if I was there saying or I
Speaker 4: wasn't there, but if my wife said, Tom, I asked
Speaker 4: them to please, you know, to please just drop them.
Speaker 4: I'd even pay them for it to me that I
Speaker 4: don't know what the reason was, but now we're faced
Speaker 4: with it, and we will help you if you want.
Speaker 4: But if they're offering to bring your appliances back, see
Speaker 4: what condition they're in. I mean, let's see if they're working,
Speaker 4: you know. But the most they would owe you is
Speaker 4: a very paltry amount anyway, so I would say, let's
Speaker 4: move on. I'm sorry if I'm not telling you what
Speaker 4: you want, but I am telling you the truth. There's
Speaker 4: not always a perfect solution. Three oh three seven to
Speaker 4: one three talk seven one three eight two five five
Speaker 4: eight eight eight heating dot com. Don't forget forty five bucks,
Speaker 4: a deep clean and a true assessment, and the best
Speaker 4: prices for replacement of high efficiency units with high efficiency,
Speaker 4: I mean the best prices on high efficiency three oh
Speaker 4: three seven seven zero two seven seven six Go with
Speaker 4: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free no obligation comparison call compass
Speaker 4: insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three oh three seven seven to one. Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot Com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, Welcome to the show.
Speaker 4: Three oh three seven one three talk three oh three
Speaker 4: seven one three eight two five five. All right, now,
Speaker 4: where's my damn Okay, I'm trying to find my calls
Speaker 4: from her?
Speaker 1: Here it is.
Speaker 4: Can we go back to the phone ones and find
Speaker 4: out what's on your mind? Remember Brian burns with us.
Speaker 4: So we're also going to do what we do all
Speaker 4: the time, and that's the insurance check up, and you
Speaker 4: can call it, well, you can call that other number
Speaker 4: that we have, we'll call it. Just call them directly
Speaker 4: three oh three nine nine six nine thousand, three oh
Speaker 4: three nine ninety six nine thousand and ask for an
Speaker 4: insurance checkup. We'll give some live examples and Brian, real
Speaker 4: quick here, I want to go to you and me.
Speaker 4: So when we talk about this about eighty five percent
Speaker 4: at the time you can save people money. Is that's
Speaker 4: still the case because insurance is crazy? Right now?
Speaker 5: Yeah, right now? That number is not eighty five percent,
Speaker 5: it's lower than that. But even if we're not able
Speaker 5: to save money, we can at least give some advice.
Speaker 5: If our opinion is you should stay where you're at,
Speaker 5: we'll tell you that, but we might also tell you, hey,
Speaker 5: you might look at increasing this or doing this, or
Speaker 5: you know, maybe we have an option that is a
Speaker 5: little bit more but has some of the coverages you needed.
Speaker 5: So whatever it is, we just try to be honest
Speaker 5: with you and let you know what is available.
Speaker 4: All right, three h three seven one three talk seven
Speaker 4: one three eight two five five. Who's next? Michael? Michael?
Speaker 4: What's going on with? Oh God, Greeley, Greeley? And the
Speaker 4: reason I say? Oh God? What is this noise I'm hearing? Folks?
Speaker 4: Anybody want to thank.
Speaker 14: Sorry about that? I'm talking on bluetooth right now.
Speaker 4: All right, go ahead? What's happening? Man? Yeah, good man?
Speaker 15: What's going on?
Speaker 13: Behalf of my parents?
Speaker 14: I'm calling on behalf of my parents. They had purchased
Speaker 14: a vehicle of eighty four Thanksgiving from Jent Cheverlet kind.
Speaker 4: Of like in Greeley, Colorado. I myself actually, okay, let
Speaker 4: me let me explain something. Well, ninety percent. Let's listen.
Speaker 4: Let me just just explain this to people of the time.
Speaker 4: If you buy a car in Greeley or World County,
Speaker 4: you'll be screwed. Keep going.
Speaker 16: Thanks to throw the heads up.
Speaker 4: So I'm just telling you the truth. Now, they went,
Speaker 4: they went to get Chevrolet.
Speaker 14: Yeah, Jet, Chevrolet, Cadillac and Greeley Colorado.
Speaker 4: What did they buy?
Speaker 13: Cool a new Chevrolet?
Speaker 4: What did they buy?
Speaker 7: Trade in.
Speaker 4: A new chev Chevy Silverado? Yeah? Can you get off
Speaker 4: bluetooth or not? I don't want you to be unsafe.
Speaker 4: I do not want you to be unsafe. Okay, let
Speaker 4: me so.
Speaker 14: Okay, Now, can you hear me?
Speaker 4: Please don't be unsafe pull over or something? I mean,
Speaker 4: if you're driving, I want you on bluetooth. Okay. Are
Speaker 4: you Chevy Silverado from again Chevrolet? Okay, go ahead?
Speaker 14: Yeah, correct, And so they had bout this the day
Speaker 14: before Thanksgiving. They've traded in two vehicles. One was a
Speaker 14: Key of Soul, the other one was a twenty twenty
Speaker 14: three Ford Expedition and had payoffs on both of them. However,
Speaker 14: the dealership themselves actually miscalculated this payoff by sixteen thousand dollars.
Speaker 16: Okay, now, keep them.
Speaker 4: Which payoff, which payoff? Which payoffs?
Speaker 7: For an expedition?
Speaker 4: Let me explain something. Why did they Why did they
Speaker 4: miscalculate the payoff?
Speaker 14: You know, I've done this for fifteen years myself, and
Speaker 14: I couldn't tell you because usually that's supposed to be
Speaker 14: checked at least three times before they actually send that out, and.
Speaker 4: More than Now, Michael, what do you mean, what do
Speaker 4: you mean you've done this? Michael? What do you mean?
Speaker 4: I worked?
Speaker 14: I actually work in the carbet as myself.
Speaker 4: Good, Then let me let me tell you that you
Speaker 4: were then you you know what I'm going to tell you.
Speaker 4: And here's what I'm going to tell you. When you
Speaker 4: sign a contract for the car and you're trading in cars,
Speaker 4: you sign a disclaimer that says if they miscalculate, you
Speaker 4: owe the money. Okay, you do each and every single
Speaker 4: each and every single time. Now, yeah, here's the other problem.
Speaker 4: Sometimes because of that disclaimer, I believe personally that dealers
Speaker 4: on purpose miscalculated to make the deal look better, but
Speaker 4: it's hard to prove so. The situation as it's. The
Speaker 4: situation as it stands, is that Ghent is telling them
Speaker 4: they need to bring money to the table. Is that right?
Speaker 4: Or get a bigger loan?
Speaker 16: Exactly right?
Speaker 14: The ball from what I hear, because I actually went
Speaker 14: with my parents to try to settle this out with
Speaker 14: the youth car manager. And legally, I do know this
Speaker 14: that you cannot sell a vehicle without pain without having
Speaker 14: the title and end.
Speaker 4: Okay.
Speaker 14: So they told my parents that they had sold both
Speaker 14: trades okay.
Speaker 4: And I think you know that the new the general, well,
Speaker 4: they didn't sell them. They're just being dishonest. Hold on, man,
Speaker 4: I got to take a break. I just have to
Speaker 4: three O three and I'll get to all of you.
Speaker 4: Call please three O three seven one three eight two
Speaker 4: five to five. Go with a sure thing Denver's best
Speaker 4: roofer Excel Roofing dot com. You don't pay us until
Speaker 4: you're content. Time for an insurance checkup free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three all
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three all three nine two zero sixteen twenty two. U. Hey,
Speaker 4: I'm Tom Martine. You're a troubleshooter. Welcome to the show, Michael.
Speaker 4: So listen, here's the bottom line. This sucks.
Speaker 1: Man.
Speaker 4: I don't trust any car dealers in World, County or Greedy.
Speaker 4: That's just the way it is. Don't trust them. Don't
Speaker 4: trust them. Don't trust them. Enough said, period, don't trust
Speaker 4: them now most of our car you know, it's amazing
Speaker 4: per capita the problems they have compared to Denver. I
Speaker 4: think that the word went out years ago. If you're
Speaker 4: a scumbag, mofo, lying, scumbag, piece of excrement, come on
Speaker 4: up to Weld County and Greeley. We want you to
Speaker 4: sell cars. But Michael, what do we do about it? No, seriously, seriously, now,
Speaker 4: let's get serious. If they misquoted, then.
Speaker 14: Through trying to you know, deal with the dealership and
Speaker 14: you know, and I even talked to my manager at
Speaker 14: my store and he's like, you know, we all make mistakes.
Speaker 16: If that was a mistake, we would make it right.
Speaker 14: And unwine the card. You'll give the trades back. And
Speaker 14: you know, obviously the customer can't pay the sixteen thousands
Speaker 14: of course.
Speaker 4: You know, so they and they won't do that. They
Speaker 4: won't hold on, they will not do it. They're sticking
Speaker 4: to their guns.
Speaker 14: They want to stick to their guns and force my
Speaker 14: parents to fork out sixteen thousand dollars to you know,
Speaker 14: to come.
Speaker 4: Well, they can't. They can. I'll tell you why. First
Speaker 4: of all, that you're at a standstill. They can't. They
Speaker 4: have a certain amount of bailment they can collect and
Speaker 4: that's it. They are limited as to what they can do,
Speaker 4: but they can collect every penny. And so I want
Speaker 4: to give this to a fight. I want to I
Speaker 4: want to give D. Do you feel like calling this
Speaker 4: dealer and trying to negotiate for back bro? Yeah, I'll
Speaker 4: be happy to do that right now. All right? Did
Speaker 4: you hear that, Shannon? Did you hear my man D?
Speaker 4: Could you hear him there? About as much as I
Speaker 4: needed to you? Okay? Yeah, that microphone is more of
Speaker 4: a low level. Hey, okay, So sir, hang on, Deputy
Speaker 4: D is going to be in touch with you and
Speaker 4: we're going to work down this. Three oh three seven
Speaker 4: one three eight two five five? Now it is I
Speaker 4: believe is it Twinika? Twinika? Damn it? Twinka? Is she
Speaker 4: not there? I guess, Kachina, Let's go to Linda unless
Speaker 4: Twinyka is there. You let me know. Linda.
Speaker 9: Hi, this is Linda.
Speaker 4: What's going on, Linda?
Speaker 9: Well, I have some questions about fighting for my house. Yes,
Speaker 9: we got an estimate for my house is a nineteen
Speaker 9: fifty nine ranch. It's about eighteen hundred square feet and
Speaker 9: I want in probably the upper third of it is
Speaker 9: the wood trim that I want replaced. But I got
Speaker 9: an estimate or a quote from for Hardy Plank and
Speaker 9: it came back as twenty three thousand dollars. Does that
Speaker 9: sound right?
Speaker 1: Yeah?
Speaker 4: It depends on who you're dealing with. It could be
Speaker 4: very well be. But here's what I want you to do. Yeah,
Speaker 4: I want you to hold tight.
Speaker 8: Party.
Speaker 4: I want you to hold tight, and we'll we'll talk
Speaker 4: to Genesis first and then go from there. Three oh
Speaker 4: three seven one three eight two five five Kaschina, let's
Speaker 4: get mark on if we can. We got more coming up.
Speaker 4: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 4: dot com.
Speaker 18: You don't pay a cent until you're content. Leave time for.
Speaker 4: An insurance check up free, no obligation. In comparison, call
Speaker 4: Compass insurance, pay too much your coverage at dozens of
Speaker 4: insurance companies. Find out now three oh three seven seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two.
Speaker 16: Yeah, time.
Speaker 1: Ripped of news.
Speaker 2: You needed that so you don't have to.
Speaker 1: Run anxious suspass as can show.
Speaker 2: Shooter's gonna help coming man.
Speaker 4: This is the Troubleshooter Show. No Tom Martinez, Hey Tom
Speaker 4: Martino here, welcome to the show. Three oh three seven
Speaker 4: one three talk seven one three eight two five five.
Speaker 4: I have with me Brian Burns. You'll see you're streaming
Speaker 4: to my right. He's with Compass Insurance Group. We're doing
Speaker 4: insurance checkups today. Now they do them all the time
Speaker 4: at three three nine ninety six nine thousand. It's something
Speaker 4: we started many many years ago. I said, you know, Brian,
Speaker 4: what would really be cool is if people had a
Speaker 4: way to judge their insurance without feeling pressured, just to say, hey,
Speaker 4: this is what I have, what do you think? And
Speaker 4: it really worked out well and one time we could
Speaker 4: save eighty five percent of the people money or get
Speaker 4: them better coverage. Brian says that changed a little with
Speaker 4: the marketplace because the marketplace is so screwed up, they
Speaker 4: can still save a lot of people money. And even
Speaker 4: when they can't save them money, he does find better coverage.
Speaker 4: Sometimes sometimes people don't they have actual cash value and
Speaker 4: don't realize it on a roof, or they have replacement
Speaker 4: value of their home set at a set amount and
Speaker 4: they're not insured above that. There's so many dangers in insurance.
Speaker 4: Then when it comes to auto insurance. My god, Mark,
Speaker 4: I got called from a guy that listens to this
Speaker 4: show all the time, all the time since he was
Speaker 4: a kid and his parents were really really hurt, really hurt. Yeah.
Speaker 4: I talked to him as.
Speaker 1: Well, and.
Speaker 4: I was mad at him. Okay, but he's like almost
Speaker 4: like a son of me. I mean he's been listening
Speaker 4: to me since you little boy. I got him his
Speaker 4: first computer and I said, why would you do this?
Speaker 4: Why wouldn't you get uninsured and underinsured motors coverage? He said, oh,
Speaker 4: I just wanted basic liability. And I said, do you
Speaker 4: understand something? Basic liability is good and you have to
Speaker 4: have it. That's what the insurance. That's what the state requires,
Speaker 4: and that's probably what the other person has. Now, unless
Speaker 4: the other person that hits you is rich, people usually
Speaker 4: insure for what there were. Let me explain that I'm
Speaker 4: not rich. But let's say somebody I hit somebody, and
Speaker 4: let's say I had state minimums of fifteen thousand and
Speaker 4: twenty five? Is that what it is? Am I miscalculated?
Speaker 5: But it's twenty five thousand per person fifty thousand paraxi right,
Speaker 5: so it's higher now, but the property damage is fifteen thousand,
Speaker 5: So that's damage to someone else's car is only fifteen thousands.
Speaker 4: But they're more concerned with their bodies for sure. So
Speaker 4: let's talk about that. So now, if I hit somebody
Speaker 4: and I'm insured for twenty five fifty yep, are they
Speaker 4: going to take that?
Speaker 5: Well, they'll exhaust that twenty five thous they yeah, but
Speaker 5: they won't settle.
Speaker 4: No, no, no, no, Now why won't they settle because
Speaker 4: they might think Tom is more. I can go after
Speaker 4: Yep or Brian has more. I can go after Demetrior
Speaker 4: or Mark or anyone, and then they assess it. So
Speaker 4: here's the rule of thumb. When you ensure you're insuring
Speaker 4: for your net worth or close to it. And here's why,
Speaker 4: because people have to make a decision. Do we want
Speaker 4: to sue that person who hit me and take a
Speaker 4: chance of getting a judgment and really being paid, or
Speaker 4: do we have no chance of being paid and we
Speaker 4: have to take the insurance. So if someone does not
Speaker 4: have a lot of money and they ensure for the minimums,
Speaker 4: that's all you're going to get. And in this case,
Speaker 4: that's all he's going to get. So his parents severely
Speaker 4: injured are limited to fifty thousand dollars fifty yep, one
Speaker 4: thousand dollars. Now that's going to pay nothing, absolutely nothing.
Speaker 4: Now we're not talking medical bills, No, we're talking pain
Speaker 4: and suffering.
Speaker 5: Yeah, and time away from work or not be able
Speaker 5: to enjoy life again.
Speaker 4: Yeah, so let's talk about this medical payments a different
Speaker 4: kind of coverage. Yep. Again, I don't believe they had that.
Speaker 4: Maybe they did.
Speaker 5: Basically, it's going to be minimal at that I'm five
Speaker 5: thousand dollars is what most people have.
Speaker 19: Now, Yeah, but it's dirt. Are you even ten or
Speaker 19: twenty thousand? Of medpays dirt?
Speaker 4: Deep? What people should do when they get insurance is
Speaker 4: insured for uninsured underinsured motorists. That's coverage for you. You
Speaker 4: are protecting your self, so you get medpay as much
Speaker 4: as you can afford an underinsured uninsured motorists. That's called UMU.
Speaker 4: What is it called UMU?
Speaker 5: I am yep okay?
Speaker 4: Now, that will cover you when someone else is under
Speaker 4: or uninsured, which is about sixty to seventy percent of
Speaker 4: the population. Do you understand that you have a sixty
Speaker 4: to seventy percent chance of getting hardly anything because they're underinsured. Well,
Speaker 4: in Colorado, there's a lot of people with no insurance,
Speaker 4: so you get zero, right, and that's well that no,
Speaker 4: that's uninsured. So underinsured and uninsured, that's what it covers both.
Speaker 4: And seventy percent of the people are either under insured
Speaker 4: or uninsured.
Speaker 5: And I can tell you because I look at people's
Speaker 5: insurance that come to us, it is a huge majority
Speaker 5: of people that are insured. Let's say with these direct
Speaker 5: carriers like a Geico or even you know like a
Speaker 5: Farmer's or one of those where the first thing they
Speaker 5: do to cut cost, whether it be the agent that's
Speaker 5: doing it or if it's them doing it themselves, is
Speaker 5: I see people come in with higher limits of liability.
Speaker 5: Let's say they have two hundred and fifty thousand per
Speaker 5: person of liability, yet they have twenty five thousand of
Speaker 5: uninsured motorists. I see it all the time.
Speaker 4: Well that's really that. It's yeah, why you're trying.
Speaker 5: To cut costs or they don't understand that what they're
Speaker 5: doing is they're they're actually covering themselves for less than
Speaker 5: they're covering other people, which I just don't I don't understand.
Speaker 5: As a matter of fact, you can't have higher limits
Speaker 5: of uninsured motorists than you do bodily injury. The state
Speaker 5: wos is what you can't get more. But but why
Speaker 5: would you choose to carry less coverage for yourself than
Speaker 5: you do for other people? And that's what people do
Speaker 5: all the time.
Speaker 4: So get me straightened. You can't just get a bunch
Speaker 4: of high limits for um, that's right, unless you have
Speaker 4: you sell matching coverage for a bodily injury.
Speaker 5: You can't have higher limits of uninsured motorists than what
Speaker 5: you have for bodily injury because the state's saying you
Speaker 5: can't ensure yourself for more than what you're covering other
Speaker 5: any bodily injury mean men pay no no, no liability.
Speaker 4: Okay, Yeah, so you can ensure yourself for more than
Speaker 4: other people, that's right.
Speaker 5: But you can at least ensure yourself for as much
Speaker 5: as you're covering other people. But all the time, people
Speaker 5: will have lower limits of uninsured motorists than they do
Speaker 5: for bodily injury and.
Speaker 19: Get an umbrella them carries that you I am too, Yeah,
Speaker 19: and that's a little harder mark to find. I do
Speaker 19: have options for that, but I would tell you the
Speaker 19: vast sort of people to have an umbrella or you know,
Speaker 19: if they're was safe farm or what, they don't offer
Speaker 19: access on a sure motorist so you can't even get
Speaker 19: it through them. So yeah, I'm with you if you can, Yeah,
Speaker 19: the one that you have for me. But we couldn't
Speaker 19: go with the carrier that has your auto insurance, if
Speaker 19: you remember, we had to go to a third party
Speaker 19: for the umbrella because uh not everybody offers it.
Speaker 4: All right, now, let's talk to Adam. Hello, Adam, I'm
Speaker 4: Tom Martino. What's going on in your life? Adam?
Speaker 20: Yeah, good morning guys. I just since you have your
Speaker 20: expert on, I.
Speaker 13: Am actually a Compass customer.
Speaker 20: As well, and I'm going through the renewal process. I
Speaker 20: just had a couple of questions. I have everything home
Speaker 20: auto my truck as a two thousand and nine, and
Speaker 20: I've been carrying.
Speaker 13: Full coverage on it up to this point. Now I'm wondering,
Speaker 13: I guess, kind of what.
Speaker 20: Is the formula for when you should just drop that
Speaker 20: down to liability.
Speaker 13: When it doesn't pay for itself and then all.
Speaker 20: So yep, with my homeowners, I have auto owners, and
Speaker 20: I have the guaranteed replacement cost the that I've been
Speaker 20: working with. He came in with Travelers and it's they
Speaker 20: up the dwelling amount and then it's a fifty percent overage.
Speaker 20: And I was just trying to do the math with
Speaker 20: full on replace or with how much it costs to
Speaker 20: rebuild nowadays, because that fifty extra if there is a total.
Speaker 4: Loss, still put that and that's a wonderful coverage. Fifty
Speaker 4: percent extra is pretty damn good. It's good.
Speaker 5: But uncapped is unbeatable. And I'll tell you right now,
Speaker 5: unless it's a substantial savings, I wouldn't switch only because
Speaker 5: of this. You couldn't go back to auto owners and
Speaker 5: get the uncapped They don't offer it. Anymore. Now they
Speaker 5: grandfathered it in. So if you're with them, you still
Speaker 5: get it, but if you move from them, we can
Speaker 5: never get it back from them.
Speaker 4: Is that the same with pure? No, Pure, Pure.
Speaker 5: Offers it's still that's we could do that on new business.
Speaker 5: But pure is also a different animal in itself. But yeah,
Speaker 5: but your other question, here's what I would tell you
Speaker 5: about liability only versus carrying collision and comp on an
Speaker 5: older vehicle. If you have I would price it out.
Speaker 5: Number one. Here's the thing. If you have young drivers.
Speaker 5: I know I'm not saying you do, but just as
Speaker 5: an example, if you have a young driver in the
Speaker 5: household and you have it assigned to a vehicle, that
Speaker 5: you could go to liability only. It makes all the
Speaker 5: sense in the world to go liability only because the
Speaker 5: reward on the savings of money is so much greater.
Speaker 5: Let's say it's if you have a two thousand and
Speaker 5: nine or whatever, and it's it depends on what it's worth.
Speaker 5: Some two thousand and ninees can be worth, you know,
Speaker 5: fifteen twenty thousand. Some of them are only worth five thousand.
Speaker 5: If it's only worth five thousand at that point, unless
Speaker 5: you have full glass and it's you know that I
Speaker 5: would go liability only, but if it's going to save
Speaker 5: you fifty bucks, then it's not worth it. So you
Speaker 5: really need to know what the cost savings is and
Speaker 5: then make a decision.
Speaker 4: Based off of that.
Speaker 20: The whole quote package is one thousand dollars a year
Speaker 20: savings going to going to travelers, but like you said,
Speaker 20: you lose that fool guaranteed replacement costs. I don't have
Speaker 20: young drivers yet, but that's coming in like another three years,
Speaker 20: but the truck's probably realistically only worth five or six
Speaker 20: thousand dollars at this point.
Speaker 5: Yeah, yeah, I would probably go liability only on that.
Speaker 13: I don't like to last.
Speaker 5: Yeah, I have that I would go liability only, Okay.
Speaker 20: I mean I try and I maximize all my coverages
Speaker 20: after the Marshall fire. That kind of scared me because
Speaker 20: I wanted to make sure that I would need.
Speaker 13: To go myself well.
Speaker 5: And and the the uncapped replacement costs is tough to be.
Speaker 5: A thousand dollars is a big savings though. So I'll
Speaker 5: tell you what, why don't you keep? Give your name
Speaker 5: to to Kelly and then I will look into your account.
Speaker 5: After I'll talk to whoever the renewal specialist is at
Speaker 5: our office working with you. There is an option with
Speaker 5: Travelers to go up to one hundred percent extended replacement cost.
Speaker 13: You have to change.
Speaker 21: He gave me that.
Speaker 13: Okay, well that that that bumped me up like over
Speaker 13: on top of what.
Speaker 20: Auto owners currently is.
Speaker 4: If I just were to renew, so oh.
Speaker 5: It's higher, Oh okay, yeah, yeah, I would be very
Speaker 5: It would be difficult to leave auto owners in that
Speaker 5: case to me, but I'm happy to talk to you
Speaker 5: about it.
Speaker 20: Just right, man, general, how much does it drop from
Speaker 20: full coverage.
Speaker 13: On an auto to just liability?
Speaker 20: Is that somewhat of a significant faces?
Speaker 5: It's so difficult unless I.
Speaker 4: Had your but it is. It is always the savings
Speaker 4: calm collision coverage adds some cost. If your car isn't worth.
Speaker 5: A lot, I'd go, I'd don't liability only.
Speaker 4: But but listen to this. I've had people be cause
Speaker 4: their car wasn't worth a lot, drop it and for
Speaker 4: the savings they got because they weren't paying a lot anyway.
Speaker 4: Remember the more the car is worth, the more you
Speaker 4: pay in collision. And actually they didn't have a way
Speaker 4: to replace their car, so it almost becomes an uninsured
Speaker 4: thing too. I mean, if your car is damaged and
Speaker 4: you're fighting over who's fault, it isn't all that. If
Speaker 4: you have collision coverage, you get the price for that car.
Speaker 4: So I changed my thinking a little on that a little.
Speaker 4: And here's here's how I changed it. If it's not
Speaker 4: that expensive, even if your car is not worth that much,
Speaker 4: here's what you have to ask yourself. Can I afford
Speaker 4: to buy this car if it was taken away from
Speaker 4: me tomorrow? Can I afford to buy a like vehicle?
Speaker 4: If you can't, the savings doesn't matter, you know what
Speaker 4: I mean? Because even if the car isn't worth that much,
Speaker 4: that means you're not paying that much in premium. Is
Speaker 4: that right, Brian?
Speaker 5: And that was my point. If if what it's saving
Speaker 5: you is so minimal, then that's why you just have
Speaker 5: to get it priced out. That's what we have to
Speaker 5: give you is just like what is the cost savings
Speaker 5: to go liability only? The other thought process on that is.
Speaker 4: I'm with you.
Speaker 5: If you have someone else that hits you and they
Speaker 5: don't have insurance or they're dragging their feet, you can
Speaker 5: go through your own insurance, which is huge and it's
Speaker 5: a non at fault accident, so you're not surcharge. You
Speaker 5: still pay your deductible. But the flip side of that
Speaker 5: is you're not going to want to make a collision
Speaker 5: claim if that you're at fault on a car worth
Speaker 5: four thousand dollars after your deductible amount, then all of
Speaker 5: a sudden you're paying a higher premium because you had
Speaker 5: an apt fault accident on there too. So the best
Speaker 5: option I can give you here is let's see what
Speaker 5: the saving is and then.
Speaker 4: We can then assess it information and assess it from there.
Speaker 4: The next thing there is something called Adams, something called
Speaker 4: uninsured property damage. How does that work, Brian? You actually
Speaker 4: buy that separately.
Speaker 5: Yeah, so it's only available if you don't have collision coverage.
Speaker 5: You can't have it in addition to collision because collision
Speaker 5: pays for uninsured motorists that damage your vehicle, but uninsured
Speaker 5: motors property damage. It's very inexpensive. But it also is
Speaker 5: it doesn't come into play very often.
Speaker 4: It's only when somebody uninsured hits you and ruins your
Speaker 4: car truly uninsured.
Speaker 5: A hit and run does not qualify as an unassured
Speaker 5: motors unless you can prove the person that hit and
Speaker 5: ran your car is uninsured, so it really has to
Speaker 5: be someone that does not have insurance, and you're able
Speaker 5: to turn a claimant for unsure motors property damage at
Speaker 5: that point.
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Speaker 4: no obligation. In comparison, call Compass insurance paying too much
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Speaker 4: Hi Tom Martino, you're troubleshooter three all three seven one
Speaker 4: three talk three all three seven one three two five
Speaker 4: five Man. Today is a good show. We're doing insurance checkups.
Speaker 4: You haven't need to talk about right now.
Speaker 5: I just got here.
Speaker 4: Okay, let's go to your shot here and let's do that.
Speaker 4: So now, let me tell you what an insurance checkup is.
Speaker 4: If you go to the Insurance Healthcenter dot com or
Speaker 4: you call them three h three nine nine six nine thousand,
Speaker 4: they do an insurance checkup. It's an honest to god
Speaker 4: look at what you're paying and what you have and
Speaker 4: what they can find in the marketplace. There's no pushing, shoving, lying, cheating.
Speaker 4: You can't You know what I love about free second opinions.
Speaker 4: This is what I love. You can't lie. See you
Speaker 4: know I love when when if people say I can
Speaker 4: beat that deal, then beat it right. I mean, it's
Speaker 4: an impossible situation to go wrong with a second opinion.
Speaker 4: Whether it be HVAC, whether it be what I do
Speaker 4: with financial, with with Wave eight Financial or Wave eight wealth,
Speaker 4: matter what Brian does, and I followed his rule, his
Speaker 4: rule when he does those in check ups, that's what
Speaker 4: we do. And it's not with an eye of finding
Speaker 4: something wrong. It's with an eye of a true review.
Speaker 4: So let's talk Brian. What did you find?
Speaker 7: Bro So?
Speaker 5: This one that looks like they called in. They are
Speaker 5: with Liberty Mutual right now, and they are really under
Speaker 5: insured on their home. They live in the Ken Carroll area.
Speaker 5: It looks like they only had a policy with Liberty
Speaker 5: Mutual that would pay out a maximum of five hundred
Speaker 5: and sixty six thousand dollars in the event of a
Speaker 5: total loss. That's with the extended replacement coss.
Speaker 4: Oh my god, five hundred and sixty six thousand. What
Speaker 4: kind of a home?
Speaker 5: The home is worth over a million. Oh, so they're
Speaker 5: substantially under insured.
Speaker 4: Now would they be socked with an underinsured penalty on it?
Speaker 5: No, I don't think they would because they've been with
Speaker 5: them forever, so it's just it they haven't kept up with.
Speaker 4: But there are consequences to pay less of a premium
Speaker 4: than they should have been all these years.
Speaker 5: Well, the penalty is going to be they're only going
Speaker 5: to have five hundred and sixty six thousand now, But
Speaker 5: let's talk about a roof.
Speaker 4: You've always told me or I was always told if
Speaker 4: you're insured for half the value of your entire home,
Speaker 4: you get half the value of any claim.
Speaker 5: Well, is that not true anymore? Well, here's how it
Speaker 5: works on personal lines. If at the time that you
Speaker 5: get the insurance, they're going to run a replacement cost estimator.
Speaker 5: If you insure it for whatever the replacement cost is.
Speaker 5: Even in the event that there's a loss and it's
Speaker 5: much greater damage than what you have insurance for, you're
Speaker 5: not penalized other than being under insured. You're not penalized
Speaker 5: for a partial loss, and they're going to have a
Speaker 5: co insurance penalty. The only reason that would occur is
Speaker 5: if you've done work to the house and you haven't
Speaker 5: reported it. You've inflated the value of the house without
Speaker 5: without also inflating your insurance. If it's just because the
Speaker 5: value and the cost of reconstruction has increased, you're not penalized. Now,
Speaker 5: commercial insurance it's a different, different animal. You are hit
Speaker 5: with co insurance penalties, but for for home insurance, that's
Speaker 5: not not really a thing on the personal lines market.
Speaker 5: So these people would have been insured for about half
Speaker 5: of what they should have been we had, and they
Speaker 5: had auto insurance and everything else with them. We're able
Speaker 5: to move them.
Speaker 4: To a carrier.
Speaker 5: We've quoted them with a carrier called Acuity. They're one
Speaker 5: of the few ones we have left that they do
Speaker 5: have guaranteed replacement costs uncapped. We added an umbrella with
Speaker 5: excess uninsured motorists with the auto home and umbrella and
Speaker 5: saved them a thousand dollars give or take annually.
Speaker 4: Okay, that is wonderful. That is wonderful. I mean them
Speaker 4: real coverage.
Speaker 5: Yeah, that that made me.
Speaker 4: Come on, you don't ask for better than that.
Speaker 19: Go ahead, mark it's safe cod Because aren't they owned
Speaker 19: by Liberty Mutual?
Speaker 4: Yeah they are.
Speaker 19: Yes, are they generally cheaper than Liberty Mutual if you
Speaker 19: if you had them and shopped them.
Speaker 5: All the time, I'll see where there they're different rates.
Speaker 5: I'll put it that way. But yeah, all the time
Speaker 5: when people come from Liberty Mutual, I don't like rule
Speaker 5: out Safeco. I'll quote Safeco and it will be a
Speaker 5: vastly different rate. Sometimes it saves the money, sometimes it doesn't.
Speaker 1: Got it?
Speaker 4: Okay? Now three h three seven one three talk seven
Speaker 4: one three.
Speaker 19: Wait wait I got one more for Brian. Yes, So
Speaker 19: we were talking about uninsured and how important it is
Speaker 19: and big time it is.
Speaker 4: I don't care what kind of car it is.
Speaker 19: So if you lower your car and get rid of
Speaker 19: comprehensive and basically just have the you know, liability only
Speaker 19: and that's just on one car, but on the other
Speaker 19: car you have you know, full coverage. So is each
Speaker 19: car get the under insured or no insured or is
Speaker 19: that for the policy? Does that make sense?
Speaker 1: It does?
Speaker 14: It does?
Speaker 5: The uninsured motorists or underinsured motors is a policy coverage.
Speaker 5: So God has nothing to do whether or not you
Speaker 5: have collision or comprehensive. It's it's completely separate from that.
Speaker 5: And then then goes over all the vehicles.
Speaker 19: And we had someone on YouTube going if the kid's eighteen,
Speaker 19: and you know, let's just pretend it would be cheaper
Speaker 19: to get them insurance because they're driving a nineteen ninety
Speaker 19: whatever and the vehicles you're driving costs a lot more.
Speaker 19: So instead of them putting on your policy where he's
Speaker 19: covered by all the vehicles in the household. You just
Speaker 19: insure them with cheap insurance or her for the nineteen
Speaker 19: ninety whatever. You follow me so far, Brian. But the
Speaker 19: car has to be in their name, Mark, Yeah, and
Speaker 19: the car and their name. But what I'm saying is
Speaker 19: that's so problematic. It's crazy because if they get an
Speaker 19: accident one of the other cars, it's trouble.
Speaker 5: Well, they're excluded on the other vehicles. That's the way
Speaker 5: to make that work.
Speaker 19: Yeah, but they if they still live with you, when
Speaker 19: they go out and do massive damage and they only
Speaker 19: have twenty five well.
Speaker 4: Hold on, now, hold on, hold on. John Fuller and
Speaker 4: I had a very long talk. Now I'm totally transparent.
Speaker 4: I'm going to tell you so my daughter has a
Speaker 4: car that I own, but it's her car. You know,
Speaker 4: it's in my name, and she drives it and is
Speaker 4: insured under my policy and for all the big limits.
Speaker 4: Now we I asked John, John, she's now no longer
Speaker 4: a kid, she's an adult, she's working. What if the
Speaker 4: name is what if the car's transferred to her under
Speaker 4: her name and she's insured under her policy, even if
Speaker 4: she lives with me or lives somewhere else. Do I
Speaker 4: have liability? He says, Tom. I know people tell you
Speaker 4: this all the time, that you're gonna have liability, but
Speaker 4: he believes.
Speaker 9: Now.
Speaker 4: I don't want to put words in his mouth, so
Speaker 4: I want to get him on. He is saying, you
Speaker 4: can be safe, okay, And and then Brian said, no, Tom,
Speaker 4: they're going to come after you. I see it all
Speaker 4: the time. We should we should really talk about this
Speaker 4: once and for all, because at some point it might
Speaker 4: be cheaper for me. I don't know. It might be
Speaker 4: cheaper that she has her own policy in a car,
Speaker 4: in her own name.
Speaker 5: Yeah, and that that comes at a certain age. It's
Speaker 5: certainly not eighteen years old. I have done this so
Speaker 5: many We did it for you.
Speaker 4: But you're talking about she would pay more under her
Speaker 4: own name than I'm paying now.
Speaker 5: It doesn't save you money, and you're limiting your coverage.
Speaker 4: No, I get that, But at what age then?
Speaker 5: Usually after twenty one, if they're on their own, it
Speaker 5: makes all the sense in the world to move them,
Speaker 5: you know, to get quotes at least on their own
Speaker 5: policy if they truly are on their own. And I
Speaker 5: will always take a backseat to an attorney that tells
Speaker 5: you something, but I will always you.
Speaker 22: Know what we need it.
Speaker 4: Since today is insurance day, it would be a really
Speaker 4: good day to talk to John about this. I would,
Speaker 4: because it comes up. Would scare the hell out of me.
Speaker 19: Is something happens to their car, and something happens and
Speaker 19: they got to get somewhere and they end up taking
Speaker 19: one of yours that they're not allowed to drive anymore.
Speaker 4: I mean, to me, here's what happens. Now, I'm gonna
Speaker 4: my car. The cars are still family right now. So
Speaker 4: I didn't have this problem. But I did have a
Speaker 4: kind of rehearsal. Okay. And this was another company that
Speaker 4: caused damage to my daughter's car. And they were stellar. Okay,
Speaker 4: it was an accident at a roofing thing that dropped
Speaker 4: on my daughter's car. This roofing company came through one
Speaker 4: thousand percent, one thousand percent okay, lifetime construction. These guys
Speaker 4: were so honorable. I mean, they bent over backwards and
Speaker 4: paid every penny. And oh and it wasn't because it
Speaker 4: was Dulce Martino and me and and they not at all,
Speaker 4: I swear to God, not at all. They I could
Speaker 4: tell they cared about what was right. They came through
Speaker 4: with every penny of prepares. But going through the scenario,
Speaker 4: let's say it was her car and I didn't have
Speaker 4: her insurer under mine. Okay, I found the service that
Speaker 4: I love, Mark, I just never found a better service.
Speaker 4: It's called Turrow.
Speaker 1: Now.
Speaker 4: Turrow is a peer to peer rental and I was
Speaker 4: able to go online and you can get Oh my god,
Speaker 4: they're so cost effective because people set their own rates.
Speaker 4: They're good, honest people. In fact, Brian I called Brian
Speaker 4: and said, Brian, I think I chipped the windshield. Well
Speaker 4: my windshield coverage carryover and you said yes. And here's
Speaker 4: what was great. I call the woman and say, I,
Speaker 4: you know you can you can call Compass or excuse me,
Speaker 4: I'm gonna use Compass for your winshield because that was
Speaker 4: chipped before. I mean, come on, you know, it's just
Speaker 4: such a wonderful thing, peer to peer kind of stuff,
Speaker 4: you know. Anyway, I'm not saying everybody would be like that,
Speaker 4: but she certainly was. So what I'm getting at is
Speaker 4: and then there's always uber and lyft temporarily, so I
Speaker 4: think there are ways if they were excluded from family vehicles. Nowadays,
Speaker 4: more than ever, more than ever now to get rides right,
Speaker 4: I mean.
Speaker 5: Yeah, there's ways to do it. I just people think
Speaker 5: that it's gonna save the money. And that's all I'm
Speaker 5: telling you is that a very rarely if they're that young,
Speaker 5: it's very rarely a better option to go to a
Speaker 5: policy on their own.
Speaker 4: Just I'd love to hear Fuller's thoughts on that though. Yeah,
Speaker 4: and that's what we're gonna do, because you know what,
Speaker 4: it's been long enough that we are super behind you.
Speaker 4: Uh oh, let's take this break right now, right now,
Speaker 4: go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three o three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 4: you're a troubleshooter three oh three seven one three talks
Speaker 4: seven one three eight two five five. Okay, John Fuller.
Speaker 4: By the way, we're trying to get a hold of
Speaker 4: Fuller Law, and he this is the type of this
Speaker 4: is why we love John and why you can call
Speaker 4: him when you have a problem and he'll talk to
Speaker 4: you about what your case is worth and what coverage
Speaker 4: there is. I mean, he's an insurance expert to in
Speaker 4: a way, I mean when it comes to collecting from
Speaker 4: the other party. So I urge you we're trying to
Speaker 4: get him on, but I urge you to always call
Speaker 4: him with these questions about coverage and liability and excluding
Speaker 4: young drivers. You don't have to call him just when
Speaker 4: you have an accident, and of course you can always
Speaker 4: call Compass as well. But John Fuller, especially if you
Speaker 4: have an accident three oh three five nine seven forty
Speaker 4: five hundred five nine seven four five zero zero, if
Speaker 4: you're injured, he'll go after people to collect three oh
Speaker 4: three five nine seven forty five hundred. Now let's talk
Speaker 4: about I'm almost up against another break, but I want
Speaker 4: to go over and I think this this show is
Speaker 4: apropos for this, and of course your calls get priority
Speaker 4: three oh three seven to one three. Talk if you
Speaker 4: have a problem question or complaining three oh three seven, one,
Speaker 4: three eight two, five to five. But truly, I believe
Speaker 4: we need to go over actual coverages because as much
Speaker 4: as I do this, people, honest to God, don't know
Speaker 4: the actual coverages. So I want to start with the
Speaker 4: basic and go to the more complicated. So with insurance,
Speaker 4: there are many coverages, and I truly want you to
Speaker 4: take notes, Honest to goodness, I want you to take notes,
Speaker 4: no matter how smart you think you are, so you
Speaker 4: can even help others. The very first insurance we must
Speaker 4: talk about is liability.
Speaker 1: Okay.
Speaker 4: Now, in a nutshell, liability is for others that you damage. Brian,
Speaker 4: do you want to expand on that. Let's just call
Speaker 4: it what it is. Liability is the first primary coverage
Speaker 4: required by law. Okay, go ahead, yep.
Speaker 5: So yes, exactly. So liability is there to protect other people,
Speaker 5: but in a sense, it's to protect yourself from the
Speaker 5: standpoint of lawsuits, right, That's all I mean. Like, if
Speaker 5: if you get into an accident and you injure somebody else,
Speaker 5: that bodily injury liability is then.
Speaker 4: And also the property damage as well.
Speaker 5: That's separate. Property damage is to cover their property.
Speaker 4: Yeah, but it's all under liability.
Speaker 5: But they're separate limits. That's all I mean, I get out, okay, yep.
Speaker 5: So when you're looking at your policy, you'll see a
Speaker 5: number for bodily injury liability, which we'll have a number
Speaker 5: like one hundred thousand per person, three hundred thousand per accident.
Speaker 5: That's one hundred thousand per person you injure up to
Speaker 5: three hundred thousand total in an accident. So you you
Speaker 5: have four people in the car, the most is gonna
Speaker 5: pays three hundred thousand in that sense. Then there's property
Speaker 5: damaged liability, which is damage to someone else's property if
Speaker 5: you hit someone's.
Speaker 4: Car and you do you know, see that all under liability.
Speaker 5: That's all liability.
Speaker 4: Yeah. Now we're going to go over the other coverages, folks,
Speaker 4: but please please, I know that everyone tends to think
Speaker 4: they're a node at all, including me, But let's review.
Speaker 4: This is so important. Three O three seven to one
Speaker 4: three A two five five Go with a sure thing
Speaker 4: Denver's Best Roofer Excel Roofing dot com. You don't pay
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Speaker 4: three oh three seven to seven to one help You'll
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Speaker 3: Guys Denver's talkstation online at khoal dot com.
Speaker 4: Hi, Tom Martino, your troubleshooter three zero three seven one
Speaker 4: three talk seven one three eight two five five. Riza,
Speaker 4: what's happening with you? Ritza? What's going on? We're gonna
Speaker 4: go over insurance coverage in the next hour. Go ahead, Riza.
Speaker 30: Okay, I'm my name is and I'm calling for my
Speaker 30: daughter really because she lives in Frederick, Oh, Colorado, that's
Speaker 30: just north.
Speaker 4: Okay, go ahead and see what's going on? Yeah, go ahead.
Speaker 1: Huh.
Speaker 30: And it just seems that nothing in the house works.
Speaker 30: And now she ended up with no no, no heating.
Speaker 4: And when did she buy it? Reesa, let me ask
Speaker 4: you a few questions. When did she buy the house.
Speaker 15: She bought it.
Speaker 30: I think she moved in. And the last the last
Speaker 30: year in the beginning, like.
Speaker 4: In January February of last year.
Speaker 30: Could could have been. I don't know.
Speaker 4: I okay, in her Okay, that's fine. In early early
Speaker 4: twenty twenty three for twenty twenty f I'm sorry, and okay,
Speaker 4: hold on, We're gonna come back to you. Hang on,
Speaker 4: We'll come back to you and see what the issues are. Okay.
Speaker 4: I will ask some questions and we'll see what we
Speaker 4: can do for you. I'm Tom Martine. We have more
Speaker 4: coming up on The Troubleshooter Show three O three one
Speaker 4: three top seven one three eight, two five five. Go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're contenth time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three, seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 1: Rip of.
Speaker 2: News needed by who you don't have?
Speaker 1: Come running just as fast as we can.
Speaker 2: Shooter's gonna help coming.
Speaker 3: Man six is the Troubleshooter Show. No Tom Martino, Hello.
Speaker 4: Peeps, Tom Martino here, Welcome to the show.
Speaker 18: Fighting for you.
Speaker 4: Yes, we'll do anything we can to fight for you
Speaker 4: to make your life a little easier. That has what
Speaker 4: that's really It's truly what I've dedicated my life to
Speaker 4: because I believe when you're in the service of others,
Speaker 4: you have priority for the best, the best of everything.
Speaker 4: So what I want to do is help reson. I
Speaker 4: want to help you. Give us call three oh three
Speaker 4: Martino twenty four seven three oh three six two seven
Speaker 4: eight four sixty six. Brian Burns is with me from
Speaker 4: Compass Insurance. We'll get to him. We've been going over
Speaker 4: basic insurance coverage and what it means, and I really
Speaker 4: believe a lot of people, you know, we all think
Speaker 4: we know, but let's recap. It's really good to recap
Speaker 4: this and we will do that. Okay, So back to Riza,
Speaker 4: then to insurance summaries, and then give me a call
Speaker 4: with any new problems. Question your complains, your calls take priority.
Speaker 4: This hour brought to you by waterpros dot net, the
Speaker 4: best water systems, the lowest prices. And I really mean that.
Speaker 4: I really mean that. Three zero three eight six two
Speaker 4: five five five four And Frank durand the real estate
Speaker 4: man will give you an analysis of your property on
Speaker 4: what it will sell for. Frank is truly a good man.
Speaker 4: I really only associate with good vivo okay because I
Speaker 4: want them to rub off on me. Frank Duran will
Speaker 4: come in and do a complete analysis of what your
Speaker 4: house will sell for. Three oh three nine two zero
Speaker 4: sixteen twenty two. Riza, I'm gonna ask you questions to
Speaker 4: relieve your burden. Right here. You your daughter bought a
Speaker 4: house in Frederick early twenty twenty four, and you say
Speaker 4: some things are going wrong. I need to ask some
Speaker 4: very simple questions.
Speaker 10: Was this a was this a.
Speaker 4: Uh used or new house?
Speaker 30: This is a brand new house.
Speaker 4: Okay, a brand new so a home builder. She bought
Speaker 4: it from a home builder? Is that right?
Speaker 5: Oh?
Speaker 30: I would think so about it. I think it is
Speaker 30: a big company from Dexter.
Speaker 4: Okay, okay. Now l G I l G I okay, Okay.
Speaker 4: Now what is what is wrong?
Speaker 30: Well, it seems like everything is wrong. But at the moment,
Speaker 30: at the moment, he called me yesterday and said that
Speaker 30: electricity is turned off and they will not turn it on,
Speaker 30: not because she hasn't paid, but because they have a
Speaker 30: wrong kind of those panels where the electricity is a
Speaker 30: house you know?
Speaker 4: Yes, uh huh the circuit the big circuit panel.
Speaker 30: Yeah, yeah, circuit yes.
Speaker 4: And now who said they won't turn it on? Is
Speaker 4: it the Reesa? Is it the power company that won't
Speaker 4: turn yes?
Speaker 30: Yes?
Speaker 4: Was it on when she first moved in and then
Speaker 4: they turned it off?
Speaker 30: Oh? She has Yeah, she hasn't had on.
Speaker 4: And I am I am When when was it turned Reesa? When?
Speaker 22: What Esa?
Speaker 4: When was it turned off?
Speaker 1: There?
Speaker 4: When was it turned off?
Speaker 30: Well, she called me yesterday, so I think it just
Speaker 30: happened yesterday or day before.
Speaker 4: Do you think do you think we can call your
Speaker 4: daughter and talk to her directly?
Speaker 30: Well, certainly yes.
Speaker 4: Do you think she'll talk to us?
Speaker 30: Oh, I'm sure she might be it.
Speaker 4: Don't give me the number on the phone. Put her
Speaker 4: on hold, please, Risa. I want you to give the
Speaker 4: number to our producer here Katschina, and then we're going
Speaker 4: to get your daughter on the phone, and then we're
Speaker 4: going to get this to somebody who can get through
Speaker 4: the bottom of this and help.
Speaker 10: I think Tom I saw something in the in the call,
Speaker 10: screener notes she's actually called Riza actually called about an
Speaker 10: issue with a mortgage, and she hasn't gotten to that
Speaker 10: part yet. That sounds like a lot more serious than
Speaker 10: anything she's discussed so far.
Speaker 4: Esa.
Speaker 10: Was there a problem with a mortgage or is that
Speaker 10: a mistake.
Speaker 5: On it she's currently talking with Kel's okay, yeah, well
Speaker 5: we'll go back to that.
Speaker 19: And I see, you know, the wrong electrical panel and
Speaker 19: a brand new track on that seems almost impossible, unless
Speaker 19: if the entire block has.
Speaker 4: The wrong one. Yeah, you know, I mean, how serious?
Speaker 4: Who knows even possible? I don't know. I honestly I
Speaker 4: don't know. That's why, you know, That's why I want
Speaker 4: to talk to the daughter who actually lives there, because
Speaker 4: you know, Riza is a love sounds like a lovely woman.
Speaker 4: I'm not sure she's getting it all straight anyway. Three
Speaker 4: ZHO three seven one three talk three D three seven
Speaker 4: one three eight two five five. So let's uh, let's
Speaker 4: continue here with our coverages. So we were talking about
Speaker 4: insurance coverages and what you need to know. Liability covers
Speaker 4: others you injure and damage, so bodily injury and property damage.
Speaker 4: That's basically the two different types of liability. They're all
Speaker 4: into one liability policy. Okay, now that's one coverage, one
Speaker 4: of the basic coverages. So now and I want you
Speaker 4: to take notes again. I know we all think we
Speaker 4: know everything, including me and Mark and everyone else, but
Speaker 4: let's just have this available to us and I'm gonna
Speaker 4: put it up in a way that we can all share.
Speaker 4: So liability coverage, then we have an additional liability. Let's
Speaker 4: go to the next thing. Let's talk about commands. Yeah,
Speaker 4: that's good, Mark. Comprehensive comprehensive coverage. Yeah, what is comp
Speaker 4: we always your comp What.
Speaker 5: Is comp comprehensive is the coverage for damage other than collision.
Speaker 5: So that would be uh, you know, a hailstorm, it
Speaker 5: would be a car is stolen, So it's it protects
Speaker 5: your car, It protects your vehicle. That's part of physical damage.
Speaker 5: So you know, to simplify this on an auto policy,
Speaker 5: there's coverage for other people, there's coverage for your vehicle.
Speaker 5: There's coverage for yourself.
Speaker 4: Okay, But now with comprehensive protects your vehicle from damage
Speaker 4: other than collision exactly. Now let's talk about what is
Speaker 4: damage other than collision, So.
Speaker 5: That would be examples, would be fire, it would be hail,
Speaker 5: it would be theft, and as bizarre as this might see,
Speaker 5: and it's also animal collisions that's still considered a comprehensive claim.
Speaker 5: If you hit an animal, even still you're colliding with it,
Speaker 5: it's not considered collision. It's considered comprehensive because it's it's
Speaker 5: a you know, theft.
Speaker 4: With your car stolen.
Speaker 5: Yep, if your car stolen, that's comprehensive.
Speaker 4: Fire got it, flood got it.
Speaker 5: Those are all examples of comprehensive loosses.
Speaker 4: So we have liability, then we have comprehensive. Now let's
Speaker 4: talk about collision coverage. And again everything after liability is optional.
Speaker 4: Comprehensive is optional. Collision, I mean, mark is an optional,
Speaker 4: but I guess it is. Yeah, so we're not even
Speaker 4: there yet though, Mark. But but let's and and maybe
Speaker 4: we should be. You know, I'm not taking this in
Speaker 4: any particular order, but let's just talk about collisions since
Speaker 4: I mentioned it, So collision and that's that's no matter
Speaker 4: whose fault it is, right, collision, collision covers your car
Speaker 4: or your vehicle yep?
Speaker 5: Oh for what for any kind of damage?
Speaker 17: Uh?
Speaker 5: That involves the collision. So if another car hit if
Speaker 5: you hit another car, it's not about covering their car.
Speaker 5: This we're talking about your vehicle.
Speaker 4: Okay, regardless of fault.
Speaker 5: Regardless of fault, the collision will always pay for damage
Speaker 5: of your vehicle.
Speaker 4: Now, liability has no deductible, comprehensive, doesn't have a deductible.
Speaker 5: It does whatever you have selected. And just for clarification
Speaker 5: on that, a lot of policies don't even say comprehensive.
Speaker 5: They say other than collision. So you'll see that those
Speaker 5: are synonymous.
Speaker 4: Okay, and collision subject to deductible yep. Okay, So we
Speaker 4: have liability comprehensive or other than collision, we have collision
Speaker 4: with a deductible.
Speaker 1: And then.
Speaker 4: Let's talk about now what Mark was talking about for ourselves. First,
Speaker 4: medpay let's talk about that.
Speaker 1: What is that?
Speaker 5: So medical payments is a no fault type coverage, so
Speaker 5: it will pay regardless whether you're at fault or someone
Speaker 5: else is a fault, and it's damage.
Speaker 4: For you injuries for you and your passengers or just you.
Speaker 5: Yeah, it's it's per person. When you see the amount
Speaker 5: on your declaration page, that's an amount per person.
Speaker 4: You and your passengers for medical medical bills.
Speaker 5: Yeah, for any kind of damage to you. Here's the problem, what.
Speaker 4: Do you mean any kind of damage?
Speaker 5: So, I mean if you're injured, you can go to
Speaker 5: your medical payments.
Speaker 4: The thing is, but you don't just get money. It's
Speaker 4: for bills, right, well.
Speaker 5: It could be for your deductibles, it could be for
Speaker 5: a lot of different things. Here's the problem with medical
Speaker 5: payments is that it's it's kind of an open cash bag,
Speaker 5: so everybody goes after it. So when you go to
Speaker 5: the doctor's office, they're always going to ask you, is
Speaker 5: this a result of an auto accident? That's because they
Speaker 5: want to get to that medical payments. They see that
Speaker 5: they're ambulance right, first thing they're going to try to
Speaker 5: do is try to collect from the medical payments first.
Speaker 5: So it has happened, and I I think Mark knows
Speaker 5: this as well. It can very easily get exhausted from
Speaker 5: other people if they know you haven't. So if you're
Speaker 5: wanting it for yourself to pay for deductibles to pay
Speaker 5: for for other expenses revolving around your medical bills. Then
Speaker 5: you have to go to it quick because it will
Speaker 5: get exhausted. That you know, because a lot of people
Speaker 5: only have five thousand or you can.
Speaker 4: A lot of companies think both its subject to a deductible.
Speaker 5: It is no deductible.
Speaker 19: Non't care no, Now, I wouldn't give the information to
Speaker 19: an er or anything. I mean, I just simply want
Speaker 19: to give your insurance information. You hire an attorney and
Speaker 19: let them deal with the medpay and where it gets applied.
Speaker 4: Okay, folks, we have more coming up on the Troubleshooter Show.
Speaker 4: Stick around, Go with a sure thing Denver's Best Roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three O
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two. Okay,
Speaker 4: Hi Tom Martine, your troubleshooter. Let's go to the phones.
Speaker 4: Phones take priority. Oscar has a question for Brian Burns
Speaker 4: from Compass Insurance, and I'll bring up Brian. Yes, sir, yes, sir,
Speaker 4: I can hear you. Go ahead, sir.
Speaker 20: H this is a tomp question.
Speaker 22: I had a dent on my Uh why backbenders? You
Speaker 22: can imagine a softball.
Speaker 13: That's what it looks like now and how did it happen?
Speaker 4: Did you say how did it happen?
Speaker 15: I have I have no idea.
Speaker 4: And wait, wait when did you notice it?
Speaker 15: Bro?
Speaker 22: Probably three weeks ago. I always drive.
Speaker 4: I just noticed it.
Speaker 22: Yeah, I always ride my every two weeks.
Speaker 4: Well, well, what are you asking, though? What's the question?
Speaker 4: I guess I don't know what the question is?
Speaker 22: Well, would the would my insurance pause or no? It
Speaker 22: is on my own pocket.
Speaker 5: I have no idea, So first and foremost my thought
Speaker 5: would be your insurance company probably will. We'll say that's
Speaker 5: a collision claim, not a comprehensive unless you, you know,
Speaker 5: had some form of proof that it was a softball
Speaker 5: hit it. Otherwise they're going to think something collided with
Speaker 5: another car, hit it and took off or something like that.
Speaker 5: So do you have collision? Do you have collision coverage?
Speaker 4: I have?
Speaker 22: I have full coverage.
Speaker 5: Okay, So you would be subject to your deductible. If
Speaker 5: it's a small dent to the bumper, I would I
Speaker 5: would say, there's no way it's going to be worth
Speaker 5: making a claim, Okay, okay, because if it's a collision claim,
Speaker 5: it's surchargeable, So there'd be no reason even if it
Speaker 5: was in excess of of your deductible, it's not going
Speaker 5: to be a whole lot more than your deductible, and
Speaker 5: so then I wouldn't make a claim for that small amount.
Speaker 22: Okay, Okay, Well thanks many.
Speaker 5: If you get a deer, that's comprehensive.
Speaker 19: Yeah, okay, isn't that strange because you're colliding with a deer.
Speaker 5: I know, it's the one area of comprehensive that maybe
Speaker 5: doesn't make as much sense because it's, uh, you know,
Speaker 5: it is a collision in a sense. But but animals
Speaker 5: are considered comprehensive.
Speaker 4: Okay, Now what about some other coverages we have liability comprehensive,
Speaker 4: we have collision, we have Now let's talk about this
Speaker 4: is the most misunderstood, uninsured and underinsured. Now what is
Speaker 4: the what is the anacronym for that? You M and
Speaker 4: U I am you M slash u I M okay,
Speaker 4: and it's underinsured uninsured yep.
Speaker 5: And that is to protect people, well.
Speaker 4: Which one is underinsured and which one is uninsured?
Speaker 5: Are you am as uninsured motorists? Okay, go ahead, and
Speaker 5: then you I am is under insured.
Speaker 4: Now let's talk about it. Yep.
Speaker 5: So that again is going to be coveraged for you
Speaker 5: and people in your vehicle.
Speaker 4: Kind of.
Speaker 5: It's similar to medical payments. The difference here is that
Speaker 5: it's only applicable if whoever hits you is uninsured or
Speaker 5: under insured.
Speaker 4: So it covers damages, covers not damages, but pain and
Speaker 4: suffering only.
Speaker 5: Yeah, pain and suffering, loss of work, paintuff, Yeah, totally, yeah,
Speaker 5: that that's all that it's it's therefore, it's not really
Speaker 5: there to cover your medical bills, although they could certainly
Speaker 5: try to lump that in there, so it could be
Speaker 5: part of it, but most people have health insurance, so
Speaker 5: it's it's more about here's the thing. Very rarely do
Speaker 5: you see uninsured motorist claims or not everyday type claims,
Speaker 5: But when you see them, they're big. They're almost always
Speaker 5: very large claims because you know it's going to pay
Speaker 5: for a lot of damage.
Speaker 4: Okay, So what we're saying is basically it's for you,
Speaker 4: and you'd be silly, silly not to have this coverage.
Speaker 4: Explain some of that, Explain how you use it.
Speaker 5: So if in Colorado there is a large portion of
Speaker 5: people that are uninsured to begin with, and even another
Speaker 5: large percentage that have the state minimum, which is that
Speaker 5: twenty five thousand dollars. So if someone hits you that's
Speaker 5: uninsured or underinsured and you're injured, let's say you can't
Speaker 5: work anymore, you're in a hospital bed for the next
Speaker 5: six months, if they only have twenty five thousand dollars
Speaker 5: of coverage or no coverage at all, what are you
Speaker 5: going to do? Where are you going to go for that? Well,
Speaker 5: in this case, that's where uninsured motors comes in. Your
Speaker 5: own insurance company is going to pay you up to
Speaker 5: your limits for that loss of work, loss of enjoyment,
Speaker 5: pain and suffering, whatever you want to that total bucket there,
Speaker 5: that's what it's going to pay. So if you look
Speaker 5: at your declaration page and you see you have twenty
Speaker 5: five thousand dollars of uninsured motorists. You're so underinsured you
Speaker 5: can imagine that that won't get you anywhere. That's not
Speaker 5: going to get you any anything, you know, for any
Speaker 5: length of time. That's not going to protect you.
Speaker 4: No. In fact, it's it's way worse than that.
Speaker 19: You you only have twenty five fifty I'd even say
Speaker 19: one hundred thousand to that, Brian. Someone hits you that
Speaker 19: has a minimum for the state of Colorado or no insurance,
Speaker 19: it doesn't matter, and they change your life forever. You
Speaker 19: lose a leg yep, or you can't work anymore, you
Speaker 19: end up in a wheelchair.
Speaker 4: I mean, that's it.
Speaker 19: The only money you have is from your own insurance
Speaker 19: company at that point, yep.
Speaker 5: And let's even say they have two hundred and fifty
Speaker 5: thousand dollars a coverage. Let's say they actually had good coverage.
Speaker 5: That's still not going to be enough. Well, your your
Speaker 5: uninsured motors can go on top of that. It would
Speaker 5: like what you're paying for it, you could still get more.
Speaker 4: Yeah. So, I mean we've had ton of the uninsured.
Speaker 19: Plus, like I said, the umbrella you sold us actually
Speaker 19: extends ours to the umbrella amount.
Speaker 5: Yeah, so your umbrella. In some cases, if you have
Speaker 5: it and the company offers it, you can get access
Speaker 5: on insured motors on your umbrella, which would give you
Speaker 5: an additional million dollars on top of your two hundred
Speaker 5: and fifty if that's what you have at your underlying limit.
Speaker 4: Okay, Uninsured property damage yep. Now that's a separate policy
Speaker 4: and a separate coverage.
Speaker 5: Yep, we're going back to physical damage coveragees.
Speaker 4: Yeah, no, and I will categorize this better, but right now,
Speaker 4: and yeah, let's just let's what is uninsured property damage.
Speaker 5: So that's coverage for your vehicle. It's only applicable if
Speaker 5: you don't have collision coverage. Let's just say your car
Speaker 5: is old enough. You're like, you know what, I don't
Speaker 5: want to pay for collision anymore, any kind of collision
Speaker 5: coverage anymore. You can remove your collision and you can
Speaker 5: get uninsured vote property.
Speaker 4: Now, what if someone has insurance but they're they're dicking around? Okay,
Speaker 4: I mean, can I can I put a claim in.
Speaker 5: For unassured motors property damage?
Speaker 4: No, nope.
Speaker 5: Unasured motors property damage is only going to protect your
Speaker 5: vehicle in the case that someone does not have insurance.
Speaker 5: So it's only on those circumstances. It doesn't cover you
Speaker 5: if it's a hit and run because the insurance company
Speaker 5: is not going to assume they didn't have insurance. It's
Speaker 5: only there if someone hits your vehicle, does damage to
Speaker 5: your vehicle.
Speaker 4: Very limited coverage.
Speaker 5: It's very limited.
Speaker 4: But it's also when you don't have collision and when
Speaker 4: someone hurts you, uh damages your car and they don't
Speaker 4: have insurance.
Speaker 5: That's right, But it's also only usually twenty bucks every
Speaker 5: six months. I mean it's it's very inexpensive.
Speaker 4: But if you have collision, you don't bother with it, no, because.
Speaker 5: Collision covers you. If someone's uninsurance, it covers your car. Still,
Speaker 5: even if someone doesn't have insurance, your collision will step
Speaker 5: in and pay to fix your vehicle. So it's only
Speaker 5: applicable if you don't have collision coverage and you don't
Speaker 5: want to go pure liability. You just think, you know what,
Speaker 5: I don't want to go all the way down. This
Speaker 5: is a way to step down a bit.
Speaker 4: Forgive me. Did you talk to Oscar? Is Oscar the
Speaker 4: one with the uh, the the dent and he didn't
Speaker 4: know how he yeah?
Speaker 5: I think, yeah, we talked to Oscar.
Speaker 4: Kahina helped me keep up on this man. Okay, thank you,
Speaker 4: We have more coming up to don Tell Martino three
Speaker 4: oh three seven one three talk seven one three a
Speaker 4: two five five Go with a sure thing Denver's best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three oh three seven seven one help. You'll think you're
Speaker 4: his only customer when you choose Frank to the real
Speaker 4: estate Man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Martino here, Welcome to the show. Three oh three seven
Speaker 4: one three talk three oh three seven one three eight
Speaker 4: two five five. Okay. Let's continue the festivities and take
Speaker 4: calls as you need help. Laura has a question. Okay, Laura,
Speaker 4: what's happening?
Speaker 14: Welcome, Hello, thank you.
Speaker 21: For taking my call. I live in South Folders and
Speaker 21: I live on a wild land urban interface.
Speaker 4: I have a wildland urban interface. Help me, just help me.
Speaker 4: What is that I'm sorry, I'm not familiar with it.
Speaker 4: It sounds is it like a wildlife Well, what is it?
Speaker 4: Is it federal or ste or local?
Speaker 21: It's when you live right on the edge of the
Speaker 21: open space your property of budget, okay, either.
Speaker 4: City or and you're okay, and the open space is
Speaker 4: the open space federal land, state land, or county land
Speaker 4: set aside county land. So the land you back up
Speaker 4: to is some kind of green belt that's owned by
Speaker 4: Boulder County, Y, Okay. So what is your question.
Speaker 8: I have Chubb as my home.
Speaker 21: Insurance carrier, and they offer a benefits where they give
Speaker 21: private firefighters will come to your house and full mits
Speaker 21: if need be. But what if everybody, you know, a
Speaker 21: lot of people in the neighborhood have Schubb. How do
Speaker 21: they decide which home to go to? Or what if
Speaker 21: the private firefighters are not allowed in the neighborhood because
Speaker 21: it's already been closed off.
Speaker 4: My god, I've never even heard of this before. I'm asked. Listen,
Speaker 4: you're opening my eyes. I've never heard of this before.
Speaker 4: Now let's talk about it. It's a big, big thing, Tom.
Speaker 5: Yeah, and all these high value carriers all do that.
Speaker 5: We have Chubb and we and the company you're with,
Speaker 5: Tom Pure, has it. It's a fire protection program that
Speaker 5: they they automatically offer. As a matter of fact, I
Speaker 5: don't even know what to call.
Speaker 4: Who's a private firefighter? Who are they?
Speaker 5: Well, they come up exactly if there's one of them
Speaker 5: your men area, they send them out.
Speaker 4: I mean there are companies that actually fight fires privately.
Speaker 4: Oh I watched them.
Speaker 10: You may recall they have it those wildfires and Boulder
Speaker 10: about ten or twelve years ago.
Speaker 4: Doesn't county call them in?
Speaker 10: Do they know the county has not? They're not responsive
Speaker 10: to the county. So I was up there photographing the
Speaker 10: fire and I saw a convoy of trucks.
Speaker 4: They just show up on their own and they get
Speaker 4: they're called.
Speaker 10: Okay, or the homeowner also has the option of privately
Speaker 10: contracting with them. This company was called fire Chiefs, and
Speaker 10: they had about a dozen vehicle convoy with dozens of
Speaker 10: men and they were driving right past the police roadblocks
Speaker 10: going up the hill to protect one particular house.
Speaker 5: And what they'll do to them, they'll spray it with
Speaker 5: like that foam. They'll they'll do everything in their power
Speaker 5: to prevent that house that they're insuring from burning down.
Speaker 4: Yeah, they generally work for the insurance company. Yes, but
Speaker 4: she had some good questions. If she has neighbors insured
Speaker 4: by the same people, what priority is there.
Speaker 5: Well, I don't think they would limit the priority. They
Speaker 5: would send as much as they need for the given area.
Speaker 5: They know how much does that actual truck?
Speaker 4: How much did I.
Speaker 19: I don't go ahead, Mark, there's a rule metro that
Speaker 19: I'm just saying. It's not like it's like one guy
Speaker 19: in a truck. It's like a full blown right firefighting outfit.
Speaker 4: It's huge. Oh yeah, they're for real. Yeah, they're not
Speaker 4: going to show up in one MiCT go hey, do
Speaker 4: we go to this house or that house. They're going
Speaker 4: to show up with twenty trucks, and.
Speaker 5: They know in advance how many homes they're dealing with.
Speaker 5: They know they have, you know how many homes they
Speaker 5: have insured in that point, and they'll send out the
Speaker 5: appropriate amount of trucks for the number of homes they have.
Speaker 4: Okay, now the private firefighters, how much does that coverage cost?
Speaker 5: This is what I'm saying. It's automatic with these high
Speaker 5: values like a Chubb, they automatically do it. The only
Speaker 5: reason you wouldn't get it if you don't sign off
Speaker 5: to allow them to come in in that case.
Speaker 4: Okay, So Laura, my question is if it's automatic with
Speaker 4: your coverage, why are you concerned at all?
Speaker 21: Well, you know, when the fire comes down super fast,
Speaker 21: are they ready? How many trucks, how many teams do
Speaker 21: they have?
Speaker 4: Well, here's what I'm asking. If you went with another company, here,
Speaker 4: here's what I'm saying. And understand what I'm saying. If
Speaker 4: you went with another company that doesn't offer this, you
Speaker 4: don't get it. If you're with Chubb and you're satisfied
Speaker 4: with the premium and it's built into the coverage, why
Speaker 4: do you even care? I mean, it's it's additional help,
Speaker 4: no matter what it is. Well, other than curiosity, I
Speaker 4: get it. She's saying, Look, it's part of my premium.
Speaker 4: I'd like to know how they decide when to come
Speaker 4: and who to come to. That's what she's saying. So, yeah, Brian,
Speaker 4: you're saying.
Speaker 1: What they.
Speaker 21: I have enough product who might check out. It's called
Speaker 21: Frontline Wildfire Defense System and they install like a Strinkler
Speaker 21: Frontline Wildfire Defense System.
Speaker 19: Wow, I'm looking at their website. Pretty cool. And if
Speaker 19: you don't I wonder if they have tom so. You know,
Speaker 19: if you don't have Chubb or one of these companies,
Speaker 19: you can still go to someone like Rural Metro or
Speaker 19: a hundred other ones and sign up on a monthly
Speaker 19: subscription and then you have coverage for it.
Speaker 2: Oh that's great.
Speaker 4: Yeah, now I'm looking. I'm looking at a YouTube of
Speaker 4: this wall. Listen, that's U on YouTube talking about that. Huh.
Speaker 21: It's a sprinkler system for your roofs and then it
Speaker 21: also forms your house.
Speaker 11: It's used by an app and you can initiate it.
Speaker 4: You don't have to be Oh, it saturates the hell
Speaker 4: out of your house. I wonder if they have stats
Speaker 4: to show. I mean it looks phenomenal, yeah, and foam inside.
Speaker 19: I bet it works, I mean the I bet it
Speaker 19: works for a one off. But you have something like
Speaker 19: going on in La now or something like the Boulder fires.
Speaker 19: I mean, nothing's gonna stop that, right, I mean, it's
Speaker 19: gonna be ashes like everybody else.
Speaker 4: Well, who knows. I mean there were people out there
Speaker 4: with isolated home saved and they had either a system
Speaker 4: like this or they built with defensive what they call
Speaker 4: defensive products. I'm not sure what that means anyway. So
Speaker 4: the sound you're hearing is me playing this video.
Speaker 21: Well, after the Marshall fire, we would drive around and
Speaker 21: we would say, well, why is this one house standing
Speaker 21: and everything around it burned?
Speaker 8: We would always wonder what did they do that we
Speaker 8: could do?
Speaker 4: Do you have a lot of trees and brush around you? No?
Speaker 21: No, I've mitigated all of that.
Speaker 4: I wonder how much this system costs? This frontline and
Speaker 4: you can actually trigger it with your cell phone. My god,
Speaker 4: it's pretty cool, you know. Let's put it this way.
Speaker 4: I if I envision a time that you're going to
Speaker 4: have to have stuff like this or not be insured,
Speaker 4: I envision a time when you're going to have to
Speaker 4: do mitigation or you're going to have to do something
Speaker 4: before you're even allowed to be insured. What do you
Speaker 4: think about that, Brian.
Speaker 5: Well, it's already here on New Business, Like, if you're
Speaker 5: trying to get new insurance, first thing they're looking at
Speaker 5: is the mitigation you've done. I mean, first thing they
Speaker 5: look at is the area you're in, of course, and
Speaker 5: there's a wildfire score associated with that, and if you
Speaker 5: are at a particular wildfire score, you're not going to
Speaker 5: get insurance in the standard market, but even to get
Speaker 5: insurance from a secondary market, from an excess market. They
Speaker 5: want to know what mitigation you've done. So they want
Speaker 5: to make sure you've gotten the trees away from the house,
Speaker 5: that they've trimmed the trees up that are even further
Speaker 5: from the house. They want to see that they're trimmed
Speaker 5: up a certain distance or a certain height off the ground.
Speaker 5: There's all sorts of things that you can do to
Speaker 5: minimize the fire risk. You can't ever, you can't ever,
Speaker 5: you know, eliminate it, but you can reduce the risk.
Speaker 5: And that's what they want to see.
Speaker 4: All right now, I'm we got to take this break.
Speaker 4: More coming right up. Go with a sure thing Denver's
Speaker 4: best roofer Excel Roofing dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi, Tom Martino,
Speaker 4: your troubleshooter three oh three seven to one three talk
Speaker 4: seven one three eight two five five. So I'm getting
Speaker 4: a lot of text I should probably go to and
Speaker 4: figure out what's going on here. Like one here, Tom,
Speaker 4: make sure to talk about comp and collision as far
Speaker 4: as hitting a deer or hitting a tree. So we
Speaker 4: went over all kinds of insurance coverages on this show
Speaker 4: from and and basically to sum it up liability, comprehensive collision,
Speaker 4: medpay or medical payments, uninsured motorists and uninsured motorists and
Speaker 4: uninsured motoris property damage by the way, before we move on,
Speaker 4: are there any other major coverages or did we cover
Speaker 4: them right here?
Speaker 1: Yeah?
Speaker 4: You're all you're talking about umbrellas. Just wait one second though,
Speaker 4: as far as auto.
Speaker 5: You're referring to, yeah, other than your your more minor
Speaker 5: things like like you're talking about rental car coverage, towing us.
Speaker 4: But that's all added under which.
Speaker 5: Part that's that would be part of physical damage covers
Speaker 5: for your vehicle without.
Speaker 4: Pay glass coverages is saved me a thousands? Can you
Speaker 4: get can you get glass? And towing and all that
Speaker 4: other stuff without collision or without comp No, you have to.
Speaker 5: Have collision and comp well, for glass, you have to
Speaker 5: have comprehensive So glass would just mean that you have
Speaker 5: a separate deductible for glass claims. And then you have,
Speaker 5: of course things like lease gap, loan gap. There's there's
Speaker 5: all sorts of little endorsements depending on the situation endorsements.
Speaker 4: Okay, now so then uh, you know Mark has a question.
Speaker 4: But before that, now that what this one? What this
Speaker 4: guy said, If I hit a deer or I hit
Speaker 4: a tree, are there two different coverage.
Speaker 5: Yes, if you hit a deer or an animal of
Speaker 5: any kind, that would be a comprehensive claim, which means
Speaker 5: if you make that claim, you're not going to get
Speaker 5: surcharged in the state of Colorado, you're not going to
Speaker 5: have a rate increase because of it. If you hit
Speaker 5: a tree, that is a collision claim and that is
Speaker 5: a chargeable claim.
Speaker 4: Or not just a tree, but including hitting any.
Speaker 5: Yeah, you hit a pole, you had a fence, you
Speaker 5: had a you had a tree, whatever you hit, that
Speaker 5: would be a collision.
Speaker 4: But it's stationary the key. No, it's not being stationary. Well,
Speaker 4: it's hitting any.
Speaker 5: Object other than like an animal which is other.
Speaker 4: Than an animal.
Speaker 5: The you hit another car that's not stationary, that's collision though, Yes,
Speaker 5: you're right, yeah, how about it?
Speaker 4: Hey, Brian, how about a Tesla robot.
Speaker 5: Like if the Tesla is driving on its own and
Speaker 5: hits something, Is that what you're saying?
Speaker 19: No, No, I'm saying like a robot like legitimately either
Speaker 19: the Honda or the Tesla robot.
Speaker 31: So, but.
Speaker 5: Yeah, if you if you hit it, it's still going
Speaker 5: to be a collision.
Speaker 4: How about okay, how about a remote control plane comes
Speaker 4: crashing into your car?
Speaker 5: Yeah, well that would still be comprehensive. Right, No, A,
Speaker 5: you're still collision. It's still a an eye, you know,
Speaker 5: it's still another idea, uh another moving It's not a
Speaker 5: vehicle in this tenth case, but you can still be
Speaker 5: considered a collision claim. We have more checked was the
Speaker 5: word I was looking for.
Speaker 4: We have more coming up on the Trebleshooter Show three
Speaker 4: O three seven one three talks seven one three eight
Speaker 4: two five five Go with a sure thing Denver's Best
Speaker 4: Roofer Excel roofing dot com.
Speaker 18: You don't pay a cent until you're content.
Speaker 4: Please time for an insurance check up free No obligation
Speaker 4: comparison call Compass Insurance paying too much your coverage at
Speaker 4: dozens of insurance companies find out now three oh three
Speaker 4: seven to seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two.
Speaker 1: News. That's who you don't have the come running just
Speaker 1: as fast as we can.
Speaker 2: Shooter's gonna help.
Speaker 4: Come Man Dix is the Troubleshooter Show. No, Tom Martine, Hi,
Speaker 4: Tom Martino here, Welcome to the show three oh three
Speaker 4: seven one three talk seven one three two five five.
Speaker 4: And if you're streaming, you'll see Brian Burns to my
Speaker 4: right and uh it's also screen left actually but to
Speaker 4: my right. And we're discussing problems, questions, complaints, basically everything
Speaker 4: near and dear to your heart and pocketbook, things that
Speaker 4: you need to know about and we love talking about it.
Speaker 4: So please call us at three oh three, Uh Martino
Speaker 4: twenty four seven three oh three six two seven eight
Speaker 4: four sixty six, and we're happy to do whatever it
Speaker 4: takes to help you. Now, Okay, so right now I
Speaker 4: want to go to the phones. Let's see. Let me
Speaker 4: just get to the screen. And Dave has a question
Speaker 4: for Brian Burns, Compass Insurance Group. Dave, Welcome to the show, Dave.
Speaker 4: What's going on with you man?
Speaker 15: Thank Brian.
Speaker 32: What do you recommend when you have a yes?
Speaker 15: Can you hear me?
Speaker 4: Yes, sir?
Speaker 20: You hear me, yes, sir.
Speaker 32: We can hear you recommend when you recommend When we
Speaker 32: have a house in the mountain and our property, our
Speaker 32: neighbor has within the fifteen or two hundred feet of
Speaker 32: what they would like to see as.
Speaker 31: Fires fire mitigation, and he will not allow us to
Speaker 31: cut any trees or trim any trees.
Speaker 5: So your insurance company is saying you need to mitigate
Speaker 5: further out than when your property is located like, in
Speaker 5: other words, outside of your property boundary.
Speaker 32: Well, right, right now, I have no insurance on it
Speaker 32: because I'm in the process.
Speaker 1: Of building it.
Speaker 31: I'm about to get my COO.
Speaker 4: But okay, the.
Speaker 32: Neighbors, they said they wanted them to be with outside
Speaker 32: two hundred.
Speaker 31: Feet to have everything cut down or trimmed to get
Speaker 31: insurance on that, and say, yeah, we have the same
Speaker 31: issue his neighbor's property line is too close to within
Speaker 31: the two hundred feet or fifty feet, right.
Speaker 5: Yeah, and that usually when you run into that, I
Speaker 5: hear exactly what you're saying. You're saying, I can't force
Speaker 5: my neighbors to cut down their trees or mitigat any further.
Speaker 5: The insurance companies, especially if you're in a high fire
Speaker 5: risk area, you're you're looking at like an excess carrier,
Speaker 5: not an admitted carrier at that point. And you can
Speaker 5: usually talk to an underwriter and say, will do whatever
Speaker 5: you need us to do on our property. We can't,
Speaker 5: and they know you can't force your neighbors to do it,
Speaker 5: so they will require whatever you can do on your own.
Speaker 4: Does that make sense? Their will be Yeah, they're not. Yeah,
Speaker 4: there's not much they can do about it, all right,
Speaker 4: three h three seven on three talks seven one three
Speaker 4: eight two five five. If you have any questions, problems, complaints,
Speaker 4: give us a call on anything. Today is insurance day,
Speaker 4: so we are focusing a bit on that, and it's
Speaker 4: very important. I mean, now more than ever, the landscape
Speaker 4: is changing. My goodness, gracious now, Brian, what about comparison?
Speaker 4: Should do anymore?
Speaker 5: Yes, I do have a couple here. Let's see.
Speaker 4: We see we're asking people to call. You can call
Speaker 4: it directly to a compass and say hey, I'm on
Speaker 4: an insurance checkup to get a sampling of what they do.
Speaker 4: Then they do it even when they're not here. Okay,
Speaker 4: the Insurancehealthcenter dot com. We invented that how many years ago, Brian?
Speaker 4: The Insurance Healthcenter dot com? Long ago? And then also
Speaker 4: three oh three nine nine six nine thousand, which is
Speaker 4: their main line, And is there an option there for
Speaker 4: insurance checkov yes? Okay, yep, good, So what did we find?
Speaker 5: Okay, these people are with American Family for auto and
Speaker 5: home right now. They were paying a total of ninety
Speaker 5: one eighty year for the two nine thousand. That is
Speaker 5: not that far outside of normal. It looks like the
Speaker 5: agent that work with them got a quote with auto
Speaker 5: owners and we're able to add an umbrella policy to that,
Speaker 5: so they have an extra million dollars of liability and
Speaker 5: saved them thirty eight seventy two weeks.
Speaker 4: Oh my god, you're saving them almost four thousand dollars
Speaker 4: a year, placing them with a better company and getting
Speaker 4: them a one million dollar umbrella.
Speaker 5: That's it. Holy crap, Holy that's a good one.
Speaker 4: Huh oh, that's one of the best I've seen in
Speaker 4: today's market. People. You know, you're saving four grand if
Speaker 4: we do the math for a grand mom. I know
Speaker 4: people are doing it in their heads and they're smarter
Speaker 4: than me, and so the hell with you. Okay, that's
Speaker 4: three hundred and thirty three bucks a month.
Speaker 1: Bro.
Speaker 5: Yeah, that's a call with better coverage. So all right, Yeah,
Speaker 5: there's another one.
Speaker 4: I'll just tell you real quick, No, real quick, tell me.
Speaker 4: I want to hear them.
Speaker 7: Well.
Speaker 5: This one was with Country Financial, and they just so
Speaker 5: happened to be exactly that circumstance we were talking about
Speaker 5: where they had two hundred and fifty thousand per person
Speaker 5: for liability five hundred thousand per accident, but they had
Speaker 5: twenty five to fifty for uninsured motorists. So they saw
Speaker 5: that on their declaration page, called them we are We
Speaker 5: got them a quote with a company called Acuity.
Speaker 4: I love Acuity.
Speaker 5: Good duty is fantastic. They have guaranteed replacement cost on
Speaker 5: the home, and they have not only the five hundred
Speaker 5: thousand of uninsured motorst on the auto. We were able
Speaker 5: to add it to the umbrella and give them another
Speaker 5: million dollars and we saved them twelve hundred dollars a year.
Speaker 4: Okay, cool man. I mean this is right before your
Speaker 4: eyes people, This is live, This is real stuff. And
Speaker 4: as I said with the second opinion, you can't lie
Speaker 4: about that because they have to be able to do
Speaker 4: it right, you know I people that say, well I
Speaker 4: can do better than that, well, then do it do
Speaker 4: better than that. Let me scoot you over here. Okay,
Speaker 4: three oh three seven one three eight two five five.
Speaker 4: Now let's uh, let's consider what we've talked about, and
Speaker 4: that is we've talked about coverages and coverages to go
Speaker 4: over again. We we just wanted to be basic liability
Speaker 4: covers others bodily injury and property damage. That protects really
Speaker 4: it protects others, okay, from your damage. It's required by law. Comprehensive,
Speaker 4: is not required by law. Has it deductible, and protects
Speaker 4: your vehicle from damage other than collision, hail, fire, theft,
Speaker 4: animal strikes, auto theft, and then separate. You can get
Speaker 4: some good deductibles like a zero deductible full glass. Then
Speaker 4: you have collision which is subject to a deductible and
Speaker 4: that covers your vehicle for any collision regardless of fault,
Speaker 4: including and hitting any object except an animal, right, yep,
Speaker 4: except an animal.
Speaker 5: Yep. Animal would be comprehensive.
Speaker 4: Okay. And I'm mis making notes here and I'm going
Speaker 4: to be posting something I think to social media for this. Okay.
Speaker 4: So then medical payments or medpay covers you and your
Speaker 4: passengers for medical expenses.
Speaker 1: Yep.
Speaker 4: Really important. And you can buy various what's the most
Speaker 4: you can buy?
Speaker 5: That depends on the carrier. Some only offer ten thousand,
Speaker 5: some will go up to fifty thousand.
Speaker 4: But the good idea is it's immediately available.
Speaker 5: Yeah, you can reject it. There's people that don't have
Speaker 5: any medical payments, but you have to actually sign a
Speaker 5: form rejecting it with the state in order to get
Speaker 5: rid of it.
Speaker 4: U I am uninsured. Under insured covers pain and suffering
Speaker 4: for you and your passengers. Now that is in the
Speaker 4: event they're underinsured or uninsured, and that's important. Coverage. Pain
Speaker 4: and suffering is not direct medical. Yeah, pain and suffering
Speaker 4: is hard to define, but they're basically are they non
Speaker 4: economic losses? Some of them are economic, aren't?
Speaker 5: Oh yeah, no, it could be economic. It could be
Speaker 5: your loss of wages like you can't work anymore, and uh,
Speaker 5: it's a direct reflection of all that money you're going
Speaker 5: to lose.
Speaker 4: Then a little known, a little known coverage called um
Speaker 4: property damage. Explain that rin.
Speaker 5: Yeah, uninsured murders. Property damage is is not a real
Speaker 5: common coverage. It's only available if you do not have
Speaker 5: collision coverage on your vehicle, and it will protect your
Speaker 5: vehicle if someone hits you that's uninsured. It covers your car,
Speaker 5: not you. It will protect your car if someone hits
Speaker 5: you that is uninsured.
Speaker 4: Let's talk about various endorsements. What do we mean by that?
Speaker 5: So on an autopolicy, and of course on home and
Speaker 5: other products too, But on the autopolicy, since that's what
Speaker 5: we're talking about here, you can add endorsements for let's say,
Speaker 5: rental car reimbursement, and that one has become really important
Speaker 5: because the cost of renting a car has skyrocketed so
Speaker 5: and the time to have your car fixed takes so long.
Speaker 5: A lot of policies will limit the amount of rental
Speaker 5: car coverage for thirty days. So if it takes more
Speaker 5: than thirty days to get your car repaired, your policy
Speaker 5: very well might cap out after thirty days and then
Speaker 5: you're responsible after that. So rental car coverage, you want
Speaker 5: to look at it. Some carriers will offer a blanket amount,
Speaker 5: let's say twenty five hundred dollars, and it's not subject
Speaker 5: to a number of days or a per day limit.
Speaker 5: But you just need to reach your policy to see
Speaker 5: what you might have. Roadside assistance is considered an endorsement
Speaker 5: that you would add on there. But we're talking about
Speaker 5: something like loan gap or lease gap. That would be
Speaker 5: coverage that if for loan gap, if you have a
Speaker 5: loan on your vehicle, you buy a brand new car
Speaker 5: and you get a loan for the full amount. The
Speaker 5: day you drive it off the lot, your car depreciates
Speaker 5: in value, so the loan gap would be there. That
Speaker 5: if your car got totaled and you owe more to
Speaker 5: the finance company than what your car is worth, your
Speaker 5: insurance can make up that gap. That's what that is
Speaker 5: referring to. And lease gap, same kind of thing.
Speaker 1: Man.
Speaker 4: You got a big job, and it's amazing the small
Speaker 4: margins you operate on. And I don't mean that as
Speaker 4: a I mean, you know, let's just say it like
Speaker 4: it is. I think health insurance and auto insurance and
Speaker 4: home insurance. You guys work on very small margins. I
Speaker 4: mean what you make for the hassles, I mean really,
Speaker 4: I mean, let's just I mean it's good you make money,
Speaker 4: but you have to do it on volume and service
Speaker 4: because oh god, it doesn't and it's not like people
Speaker 4: can go direct and save money, right, So it's foolish
Speaker 4: to try to do that and it just gets and
Speaker 4: you're not captive. That's another thing I want to really
Speaker 4: when we come back, it's really important that we know
Speaker 4: the difference between captive and what's the opposite of captive
Speaker 4: non captain dependent? Independent? Okay, it's really really important. Now
Speaker 4: is Mark a new call here? Let me get him Mark?
Speaker 4: Or did we we take Mark? Mark? Did you already
Speaker 4: talk to us? I'm sorry, man, I'm sure, okay, And
Speaker 4: did you have any follow up questions?
Speaker 21: No?
Speaker 15: I just had a quick question on if you have
Speaker 15: a minor that's turning sixteen and you're ohold, it does
Speaker 15: not drive, do you have to ensure them?
Speaker 7: Well?
Speaker 5: Are they license?
Speaker 4: No?
Speaker 15: But I have heard that. Oh no, I want you
Speaker 15: to ensure anybody that's of age.
Speaker 5: No, if they are not, So there's carriers that if
Speaker 5: they have a permit, you need to let your agent
Speaker 5: know so they can add him on as a permit,
Speaker 5: but most carriers don't even charge for that. There's not
Speaker 5: a specific charge for having a permitted driver in the household,
Speaker 5: but the only time you have to actually list them
Speaker 5: is when they are licensed.
Speaker 19: Hey, hey, Brian, what apps if the kid, the teenager
Speaker 19: decided to, you know, take his parents' car out to
Speaker 19: run down a circle k or whatever, and he gets
Speaker 19: into an accident, would they have coverage?
Speaker 5: Well, you're saying, like, if they were they weren't licensed.
Speaker 4: And they're not. Let's say they were fifteen or sixteen,
Speaker 4: it doesn't matter.
Speaker 5: Yeah, here's where it gets complicated. Your insurance will cover
Speaker 5: any other operator, whether they're licensed or not, if you
Speaker 5: get permissive use. The problem is if you're saying, hey,
Speaker 5: I didn't give this kid permissive use. He stole the
Speaker 5: car and took.
Speaker 4: It, so, but it's your kid, wouldn't you be liable?
Speaker 5: You're libel and your insurance would step in and pay
Speaker 5: for that. You're going to be covered for someone in
Speaker 5: your household if they're not license, not listed on the policy.
Speaker 5: That doesn't matter. You're still being liable for it. Your
Speaker 5: insurance is going to extend.
Speaker 4: But they might not cover the vehicle itself if it
Speaker 4: was destroyed.
Speaker 5: No, I think your coverage will extend fully on that.
Speaker 5: The only only thing I was telling you is sometimes
Speaker 5: it's not always in your best interest to say your
Speaker 5: kids stole the car, because permissive use you have to
Speaker 5: do you.
Speaker 4: Have to if you said they stole the car, Why
Speaker 4: would anyone do that? What's the benefit?
Speaker 5: I think? I think the purpose they get mad, they're
Speaker 5: mad that their kid took their car. I think the
Speaker 5: point is if you're making a claim, you say my
Speaker 5: kid took my car and got into an accident, that
Speaker 5: is a very truthful statement, and your and then your
Speaker 5: insurance is going to extend for that.
Speaker 4: All right. I got to take this break on Tom
Speaker 4: Martine three h three seven to one three talks seven
Speaker 4: one three eight two five five Go with a sure
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Speaker 4: pay a cent until you're content than time for an
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Speaker 4: to list your home with Remax Alliance. Three oh three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 4: troubleshooter three oh three seven one three talks seven one
Speaker 4: three eight two five five. Diane's on the line. She
Speaker 4: has a question for Brian from Compass Insurance Group. We've
Speaker 4: had a very edifying show talking about insurance, different types
Speaker 4: of coverages, what's in store for us in the future,
Speaker 4: and all kinds of stuff, and doing insurance comparisons and
Speaker 4: helping people dramatically save money dramatically by doing an insurance checkup. Again,
Speaker 4: as I always say, you can't go wrong doing a
Speaker 4: checkup because people can't say, oh that's bad if they
Speaker 4: can't beat it. I mean, that would be stupid. So anyway,
Speaker 4: what's going on, Diane?
Speaker 17: Would you please discuss how an insurance company can offer
Speaker 17: a policy and you pay for it and then they
Speaker 17: have thirty days to change their mind and can't full you.
Speaker 4: Yeah, go ahead, Brian, would let me bring up your
Speaker 4: camera and stuff. Go ahead?
Speaker 20: So yeah, they.
Speaker 5: Actually most policies have sixty days.
Speaker 4: It's called the contestability. Contestability or what is it called
Speaker 4: the period?
Speaker 5: Contestability period as well is what I look at it.
Speaker 5: So they do have that ability because a lot of
Speaker 5: times they'll go and inspect the home. So they're not
Speaker 5: going to inspect it prior to binding coverage. They're going
Speaker 5: to offer the terms of the policy. But then there's
Speaker 5: that contingency in there that says they can go and
Speaker 5: inspect the home to figure out if there's anything that
Speaker 5: needs to be changed, if they need to increase the dwelling.
Speaker 5: But okay, mitigation factors, there's all sorts of things.
Speaker 4: Diane, Have you had it happen where you thought you
Speaker 4: had coverage and then did not? Okay, well I have
Speaker 4: a good question. Wait a minute, you bring up something
Speaker 4: really important. Okay, So we're doing these insurance checkups. So
Speaker 4: what if someone says, okay, I'm going to switch because
Speaker 4: you can do better, and then they're contested.
Speaker 5: Yep, what happens? Then, bro, it absolutely can happen.
Speaker 4: And so if well, what happens, here's what my advice is. Usually, Tom, Yes,
Speaker 4: go ahead, die, Tom.
Speaker 19: It did happen.
Speaker 17: So I went through this whole thing about a year ago,
Speaker 17: and did you.
Speaker 4: Go through it with compass? Did you go through it
Speaker 4: with compass? Diane? Okay? And they said they and they
Speaker 4: said they can get you.
Speaker 17: Auto Owners accepted us. And then what they contested was
Speaker 17: my neighbors lived a mile away.
Speaker 15: That was their.
Speaker 4: Excuse, your neighbors, what nice.
Speaker 17: Homes live a mile away. We have a really nice home.
Speaker 17: We haven't had any claims in over ten years.
Speaker 4: But they what was it about your neighbor that they
Speaker 4: What was it about your neighbor's coverage? I don't understand.
Speaker 4: She's in a rural area.
Speaker 17: Neighbor's coverage. The neighbor lived over a mile away, and
Speaker 17: they were worried if there was a fire or something,
Speaker 17: no one would know.
Speaker 13: Is what happen?
Speaker 5: There was no other homes in close proximity. Okay, exactly.
Speaker 4: Yeah, but generally when I but Tom to give you
Speaker 4: an idea, So what was the result, I mean, you know,
Speaker 4: I need to know the result. What was the result.
Speaker 15: So this was the result.
Speaker 17: So I had all State and so I listened to
Speaker 17: you and I did the compass, and they got us
Speaker 17: Auto Owners, and my auto policy was more than all State,
Speaker 17: but my house was better. So I was like, let's
Speaker 17: go for it.
Speaker 18: So then what happened.
Speaker 17: It came back that they declined us after thirty sixty
Speaker 17: days whatever because the neighbor was too far away. And
Speaker 17: then I ended up having to go with someone else
Speaker 17: because Compass couldn't help. And now I had Foremost on
Speaker 17: the house and safe Co on the vehicles, and I think,
Speaker 17: what was your net result?
Speaker 4: What was your net result as far as your expenses?
Speaker 17: I have to pay more now for Foremost, and and
Speaker 17: I did for all stakes and obviously all the auto owners.
Speaker 17: Like I said, the auto was a little expensive.
Speaker 15: For that house.
Speaker 1: Was I got it?
Speaker 4: No, I got it, Diane, Listen, this is the first
Speaker 4: time we ever heard of this. And I assure you
Speaker 4: there's a big there's a big chunk here.
Speaker 19: I just went through this with Brian, and I called
Speaker 19: up and my renewal was Safeco was going to be
Speaker 19: X amount higher like everybody else's. He shopped everybody else
Speaker 19: and basically Safeco was the best. So I went outside
Speaker 19: and got a bid from State Farm. The State Farm
Speaker 19: came back a little cheaper, and I send it over
Speaker 19: to Brian to look at and he goes, yeah, that's
Speaker 19: just a hairbit better than this, but he goes, here's
Speaker 19: what I would do. He goes, don't cancel anything you
Speaker 19: got with us until after you have it's binded, and
Speaker 19: then you cancel and you can cancel as a day.
Speaker 4: Of so you get a full refle Why did we'll
Speaker 4: do that?
Speaker 1: Would do it?
Speaker 4: What?
Speaker 23: So?
Speaker 4: Is that what you do most of the time? Brian, Yeah,
Speaker 4: hold on, hold on, Diane, just wait a second. I
Speaker 4: want to make sure this doesn't happen again. So so
Speaker 4: go ahead. Brian.
Speaker 8: Yeah.
Speaker 5: So what usually should be the recommendation is exactly what
Speaker 5: Mark is saying there is I'll tell someone if, especially
Speaker 5: if it's a fire.
Speaker 4: Area or a rural area, do not cancel.
Speaker 5: Don't cancel until we know it gets through that inspection period.
Speaker 5: It sounds like that's not what happened to Diane. So Diane,
Speaker 5: I'm so sorry you went through that, because that's not
Speaker 5: that's definitely not what we intend if we're going to
Speaker 5: find you a better deal, if we don't think it's
Speaker 5: solid and we think it's an area where you're going
Speaker 5: to have inspection issues or something else, I'll always tell people,
Speaker 5: don't cancel your current insurance until we know it goes through.
Speaker 4: How often do you think it does happen though.
Speaker 5: Oh, we get it for our own customers, especially in
Speaker 5: this market where like Mark's talking about, the rates are
Speaker 5: going up and so the renewal rates are going up
Speaker 5: quite a bit. And will say, well, I found a
Speaker 5: better deal with X, you know, insurance company, and I'll
Speaker 5: tell them, don't cancel your insurance until it goes through.
Speaker 5: And I can't tell you how often.
Speaker 4: But then then can you literally then? But but then
Speaker 4: from the period for the contestability period, are you double insured?
Speaker 5: You can always backdate that cancelation. The only thing you'll
Speaker 5: have to do is provide proof that you had insurance. Okay,
Speaker 5: your insurance company can backdate that cancelation.
Speaker 4: You know, Diane, thank you so much for calling on this.
Speaker 4: I mean, you know, but wonder to go through.
Speaker 17: And now I'm with somebody.
Speaker 4: Else now, but it was but to give them give
Speaker 4: them another chance. I swear to you, give them another chance,
Speaker 4: and maybe they can they can somehow figure this out
Speaker 4: what happened and all that. I mean, look at obviously
Speaker 4: what happened. That it's a weird market right now. It
Speaker 4: truly is a weird market. And I'm not making excuses,
Speaker 4: but it really is. And I assure you something happened
Speaker 4: there where they would have said, you know, hang on
Speaker 4: to your coverage. Something was as odd though about how
Speaker 4: they looked at the underwriting and if somebody called you
Speaker 4: about that, Brian, can you talk to the underwriters about
Speaker 4: stuff like that?
Speaker 5: Well, yeah, I mean, if it's outside of our we
Speaker 5: don't make the old time.
Speaker 4: No, of course you don't. But you can say I
Speaker 4: think you got this wrong though, I mean, or.
Speaker 5: We'll bring case to them and say, hey, hold on
Speaker 5: a second. Here, here's pictures of the property here, and
Speaker 5: in her case, there's no other homes around. Well, what
Speaker 5: is the fire risk? What is there mitigation we can
Speaker 5: do around her property? Is this a second home where
Speaker 5: you're not there most of the time. I mean, there's
Speaker 5: all sorts of questions that I obviously don't know Diane's
Speaker 5: last name right now, so I haven't looked her up
Speaker 5: to find out what the details of her her problem was.
Speaker 4: Do you want him to look it up? Diane?
Speaker 17: It was about last year?
Speaker 15: March is February March.
Speaker 4: And Diane, can you can you let's get your let's
Speaker 4: get your last name and number off the air and
Speaker 4: have Brian look at it.
Speaker 5: Okay, I'd like to just see what happened.
Speaker 1: Man.
Speaker 4: Our our sponsors are golden. You know that they would
Speaker 4: never do anything that ever you cause a problem, and
Speaker 4: so so just hang on, Kelly, get this to Brian
Speaker 4: Burns for me.
Speaker 1: Thanks.
Speaker 4: Three oh three seven one three talk seven one three
Speaker 4: eight two five five. Hi Tom Martino, you're a troubleshooter.
Speaker 4: Jim says his brother lost his home in California. Man,
Speaker 4: am I sorry? And he has a question for Brian. Okay, Jim,
Speaker 4: what's going on?
Speaker 1: Oh?
Speaker 8: Yeah, my brother and his wife lost their home in Altadena, California,
Speaker 8: and it's a total loss. At their age, he's eighty three.
Speaker 8: They are not rebuilt, so they did have extended replacement
Speaker 8: cost coverage. Does that apply even though they will not rebuild.
Speaker 5: No, most policies, if they have a cash out option,
Speaker 5: which that is going to be you know, unique to
Speaker 5: their policy, if that's even an option for them, where
Speaker 5: if they choose not to rebuild they can just cash out.
Speaker 5: It's usually limited only to the dwelling limit, so they
Speaker 5: even if they have the extended replacement cost they won't
Speaker 5: give that on a cash out basis. Does that make sense?
Speaker 16: Yes?
Speaker 8: And I assume the same thing is true for building
Speaker 8: code upgrade insurance, which they had, which won't help them.
Speaker 5: I assume, right if you're not rebuilding the house, then
Speaker 5: they'll they'll most likely cap the amount that they'll pay
Speaker 5: up to that dwelling limit. Whatever that dwelling limit is.
Speaker 8: Right, and they've got additional living expenses. They've got coverage
Speaker 8: up to one hundred and eighty four thousand dollars with
Speaker 8: Safegal up to two year limit I believe, right, But
Speaker 8: expenses comes out of that too. I assume right now
Speaker 8: they're staying in all.
Speaker 5: It does, but before they I would just tell you
Speaker 5: before they did make that decision to say, hey, we're
Speaker 5: cashing out, the problem with that could be with that
Speaker 5: additional living expense. Once the they cash out, they've been
Speaker 5: paid in full, and I don't know whether that additional
Speaker 5: living expense will continue on. So I would I would
Speaker 5: advise them to think through their options before just settling
Speaker 5: on that and find that part out, like how long
Speaker 5: will the additional living extensive expenses extend if they choose
Speaker 5: to cash out on the dwelling.
Speaker 8: Okay, that's good information, yeah.
Speaker 5: Because you can think that the basis of that coverage
Speaker 5: is to be there while they're rebuilding the home. That's
Speaker 5: the idea behind additional living expenses. It's to give them
Speaker 5: money while their home is being rebuilt. And if the
Speaker 5: insurance company is going to pay out the total value
Speaker 5: of the home and just say we're not rebuilding, then
Speaker 5: there's going to be a limitation to that additional living expense.
Speaker 4: Okay, anything else, sir?
Speaker 8: And do you have any idea of what square foot
Speaker 8: costs are to rebuild in California at this time?
Speaker 21: Oh?
Speaker 5: Man, Now you know the problem is going to be
Speaker 5: it's going to skyrocket unfortunately, just like we saw here
Speaker 5: in Colorado when the boulderfires occurred. You know what was
Speaker 5: going to cost, let's say two hundred of square foot
Speaker 5: went up to four hundred of square foot overnight because
Speaker 5: there's such a huge demand for contractors and supplies that
Speaker 5: it's going to go up exponentially from what it would
Speaker 5: have been before. So if it was a one house
Speaker 5: that was damaged, the cost would be way lower than
Speaker 5: what it's going to be now because there's going to
Speaker 5: be such a demand.
Speaker 4: So I really going to be five or six it's
Speaker 4: going to be, yeah.
Speaker 8: But capped at their policy limit, well.
Speaker 5: Not if you have extended replacement costs, but if you
Speaker 5: cash out, yes, they're not. They're not going to include
Speaker 5: that extended replacement cost because it's the way the policies
Speaker 5: are written. That's based off of rebuilding the home. So
Speaker 5: if they were to rebuild the home and they have
Speaker 5: fifty extended replacement costs, then their dwelling limit would be
Speaker 5: extended by that amount.
Speaker 4: All right, now, hang on, we'll come back to Greg.
Speaker 4: I want to mention something. Somebody did message me and
Speaker 4: I'm so sorry, thank you, sir. And somebody did message
Speaker 4: me and said, Tom, you said you would personally talk
Speaker 4: to us about finances or just an overviewer, just if
Speaker 4: we had questions to pick your brain with no obligation.
Speaker 4: That's absolutely true, people, absolutely true. And I didn't give
Speaker 4: out the information on the on the number. I'm going
Speaker 4: to tell you how we do it. It's for Wave
Speaker 4: eight Wealth Management, my company financial advisement that I made public.
Speaker 4: And this is not to convince you to be a
Speaker 4: client at all. In fact, there's no obligation, not even close. Look,
Speaker 4: after all this time in my life, I'm truly you
Speaker 4: know what BS never works. You know you got to
Speaker 4: be sincere. I want to help people even if you
Speaker 4: never do anything with me. So I'm going to work
Speaker 4: out time to talk to you guys, because that's what
Speaker 4: I promised. I've pledged through my company. So here's what
Speaker 4: I want you to do. If you text me at
Speaker 4: this number, I will make an arrangement through texting to
Speaker 4: call you and then we'll talk. Okay, and we can
Speaker 4: do it either on a phone or we can do
Speaker 4: a zoom. Here's the text number. Just say Tom, I
Speaker 4: want to talk about finances. This is if you just
Speaker 4: want to talk and you just have a question or
Speaker 4: two seven four seven nine nine nine fifty two eighty.
Speaker 4: Now that is a personal Google number that comes directly
Speaker 4: to me. Seven four seven nine fifty two eighty. Listen.
Speaker 4: There is nothing nothing but pure meaning here. I want
Speaker 4: to help you, Okay, just answer any questions. I've made
Speaker 4: so many mistakes. The important thing is you know I'm learning,
Speaker 4: and I've learned a lot and I want to help
Speaker 4: seven four seven nine nine nine fifty two eighty more.
Speaker 4: Coming right up? All right, Tom Martina here three oh
Speaker 4: three seven one three talk seven one three eight two
Speaker 4: five five. Hey, Mark Craig says he's working with you
Speaker 4: with a rap Hokia. What's going on, Craig, Craig appreciate it.
Speaker 15: Yes, yeah, you.
Speaker 4: Dropped off your vehicle. You dropped off your vehicle at
Speaker 4: a wrap Hokia October sixteenth, and you needed a tranny.
Speaker 4: So it wasn't going out of fourth year. But when
Speaker 4: they put the training in you still had problems. And
Speaker 4: it turns out you needed a PCM mark. Do I
Speaker 4: have that right?
Speaker 8: Bro?
Speaker 15: Yeah?
Speaker 19: But it's way passing and it's to the point can
Speaker 19: you hear me, yes, sir, Yeah, so it's to the
Speaker 19: point where it's finished. It turned out it was the transmission,
Speaker 19: but they're also saying he needed a computer.
Speaker 4: I have got a couple messages into the service manager
Speaker 4: and the dude's just simply not calling back. Okay, so
Speaker 4: what do we do now?
Speaker 16: Car was the car was real quick. The car was
Speaker 16: done Thursday the night. But then I says, what about
Speaker 16: the skid plate? Did you put this that that said
Speaker 16: four by four foot piece of goos underneath.
Speaker 4: To the motor? Yeah we get it, yeah, yeah, yeah, yeah, Oh.
Speaker 16: We forgot about that. We forgot about that. I'm so apologized.
Speaker 16: So now they had to order it. They got it in,
Speaker 16: and they got it.
Speaker 4: Where's the old one? Where's the old one?
Speaker 16: Uh, the old one was scrapped or whichever.
Speaker 1: I don't.
Speaker 16: Scrapped. Okay, it was a bad shape, just you know,
Speaker 16: speed bump.
Speaker 4: So, but it did turn out that you needed it
Speaker 4: did turn out that you did need a transmission.
Speaker 16: Yeah, so they put a second transmission.
Speaker 4: All right, hold on, all right, hold on, hold on,
Speaker 4: hold on. We're gonna take this up tomorrow and figure
Speaker 4: this out. I'm Tom Martino. Don't forget Compass Insurance, free
Speaker 4: insurance Checkups. Three oh three, nine ninety six nine thousand,
Speaker 4: three oh three nine nine six, nine thousand, Thanks for
Speaker 4: being here more tomorrow