WEBVTT 1 00:00:00.480 --> 00:00:10.439 Y'all ripped up news, you need advice? Who you don't have? 2 00:00:12.679 --> 00:00:16.920 Come running just as fast as we can shoot is 3 00:00:17.000 --> 00:00:18.559 gonna help coming? 4 00:00:18.879 --> 00:00:24.800 Man Dix is the Troubleshooter Show. No Tom Martino, I'm 5 00:00:24.839 --> 00:00:27.920 Tom Martino here. Let's talk about what we can do 6 00:00:28.000 --> 00:00:34.840 for you. This is the show that solves problems, answers questions, 7 00:00:34.560 --> 00:00:39.000 takes complaints, and makes your life a little easier. And 8 00:00:39.079 --> 00:00:41.759 I do have Major Mark Major with us along with 9 00:00:41.840 --> 00:00:44.759 Brian Burns Compass Insurance. 10 00:00:45.320 --> 00:00:48.880 Brian's in the studio along with deputy Doc and Bow. 11 00:00:49.719 --> 00:00:53.320 Welcome one and all, thank you for being here. And 12 00:00:54.320 --> 00:00:59.399 Brian decided he'd rather be with ugly people than basking 13 00:00:59.520 --> 00:01:04.040 my rate, your glory here at the ship here. 14 00:01:04.439 --> 00:01:06.760 Oh lord, So. 15 00:01:05.959 --> 00:01:09.840 Brian, it's okay you want to be Brian heard. They 16 00:01:09.840 --> 00:01:12.560 have better piece at the studio by the way. Welcome, 17 00:01:12.840 --> 00:01:18.719 and Brian will be doing insurance checkups today. And insurance 18 00:01:18.799 --> 00:01:22.959 checkups are where you get your declarations page and you 19 00:01:23.000 --> 00:01:25.319 look at what coverage you have and you look to 20 00:01:25.400 --> 00:01:28.760 see if you're paying too much or maybe you're under insured. 21 00:01:29.840 --> 00:01:33.959 Maybe you are. And so Brian, I have a text 22 00:01:34.000 --> 00:01:34.879 right off the bat. 23 00:01:34.719 --> 00:01:39.599 From a high individual and this individual high net worth 24 00:01:39.680 --> 00:01:44.079 individual says, I have an umbrella policy because I've always 25 00:01:44.120 --> 00:01:49.599 heard you should ensure for your net worth first and foremost, Brian, 26 00:01:49.640 --> 00:01:53.319 before we move on, which you explain why people should 27 00:01:53.400 --> 00:01:56.200 ensure for their net worth and not just for a 28 00:01:56.280 --> 00:01:57.159 sensible amount. 29 00:01:57.959 --> 00:02:01.359 Well, whenever you get in to and the most common 30 00:02:01.799 --> 00:02:04.079 time you see an umbrella come into play is after 31 00:02:04.120 --> 00:02:07.840 an auto accident. So if you get into an auto 32 00:02:07.879 --> 00:02:10.960 acc and you enter someone and you are let's say 33 00:02:10.960 --> 00:02:13.039 you're you have a net worth of ten million dollars 34 00:02:13.080 --> 00:02:16.080 and you have a one million dollar umbrella. If they 35 00:02:16.199 --> 00:02:18.840 feel like they can get more than that, they're going 36 00:02:18.879 --> 00:02:21.879 to sue you for a larger amount. Your insurance company 37 00:02:21.960 --> 00:02:24.199 is going to settle for the million dollars and then 38 00:02:24.240 --> 00:02:26.719 they're out of it. And at that point you have 39 00:02:26.800 --> 00:02:30.080 to get your own attorney and you have to protect 40 00:02:30.080 --> 00:02:32.639 yourself for the remaining amount. So you just want to 41 00:02:32.639 --> 00:02:35.439 make sure that you have an umbrella that would be 42 00:02:35.840 --> 00:02:37.840 you know, close to your net worth so that if 43 00:02:37.919 --> 00:02:39.840 you do get sued, your insurance company is going to 44 00:02:39.879 --> 00:02:41.479 be able to stay with you through the whole thing. 45 00:02:42.599 --> 00:02:45.159 Yeah, you you don't want to be an attractive target 46 00:02:45.560 --> 00:02:48.360 or you want to have insurance be a more attractive 47 00:02:48.400 --> 00:02:51.719 target than you are, so they're willing to take insurance 48 00:02:52.120 --> 00:02:52.800 and move on. 49 00:02:53.400 --> 00:02:55.280 Right, and you want your insurance company to stay in 50 00:02:55.319 --> 00:02:58.360 the game. In other words, you know, if they if 51 00:02:58.400 --> 00:03:00.439 they're on the hook for five million dollars or whatever, 52 00:03:00.520 --> 00:03:03.719 the greater the amount, the less likely they're just going 53 00:03:03.759 --> 00:03:06.159 to settle. They're going to make sure they kind of 54 00:03:06.680 --> 00:03:07.840 carry you through the loss. 55 00:03:07.840 --> 00:03:11.439 But I thought when insurance settles with the other party, 56 00:03:11.599 --> 00:03:16.280 I thought they make them indemnify you for the future. 57 00:03:16.479 --> 00:03:19.439 They sure try to, but that's not a guarantee. So 58 00:03:19.680 --> 00:03:22.280 I mean, I've seen it many, many times where an 59 00:03:22.319 --> 00:03:26.439 insurance company settles because they know that they're going to 60 00:03:26.439 --> 00:03:29.120 be paying way more than whatever the amount is that 61 00:03:29.159 --> 00:03:31.400 you have for insurance, and they'll say, you know what, 62 00:03:31.840 --> 00:03:33.639 here's your fifty thousand, if that's what you have or 63 00:03:33.639 --> 00:03:36.759 whatever that amount is, we're out. And at that point 64 00:03:37.199 --> 00:03:40.319 they don't indemnify them and they can still come after 65 00:03:40.400 --> 00:03:41.800 the customer. 66 00:03:42.639 --> 00:03:44.639 Now, while we're on the air, and you do it 67 00:03:44.680 --> 00:03:46.240 all the time, but while we're on the air, we 68 00:03:46.360 --> 00:03:49.800 like to highlight insurance checkups. So if you're a home 69 00:03:49.879 --> 00:03:54.159 or business, either one commercial or residential and you want 70 00:03:54.199 --> 00:03:56.159 to get your insurance reviewed. 71 00:03:56.479 --> 00:03:58.759 It'll take just a few minutes. You don't have to 72 00:03:58.800 --> 00:04:00.439 stay on the phone while they do it, just take 73 00:04:00.439 --> 00:04:04.120 your information and then they call you back. You can 74 00:04:04.120 --> 00:04:07.520 call directly to the help center or to them three 75 00:04:07.560 --> 00:04:10.560 oh three nine nine six nine thousand, and then you 76 00:04:10.599 --> 00:04:12.439 can call us as well three oh three nine ninety 77 00:04:12.439 --> 00:04:14.759 six nine thousand. I want to start with Dawn and 78 00:04:14.879 --> 00:04:19.279 Dale right now. They were working with Deputy Doc and 79 00:04:19.680 --> 00:04:24.120 I believe the problem had to do with AutoNation, Doc. 80 00:04:24.199 --> 00:04:27.000 Can you can you recap that problem? 81 00:04:27.360 --> 00:04:31.800 It had to do with a twenty thirteen Jeep Grand 82 00:04:31.879 --> 00:04:35.519 Cherokee right one hundred and eight thousand miles and if 83 00:04:35.560 --> 00:04:38.199 they bought it for they bought it for sixteen grand 84 00:04:38.759 --> 00:04:43.879 with a warranty, and after forty six miles the engine 85 00:04:43.959 --> 00:04:48.399 light came on. Autoonation has had it for two months. 86 00:04:48.639 --> 00:04:50.519 Well, if you remember, I tried to get in touch 87 00:04:50.560 --> 00:04:52.759 with Autonations and I couldn't do it. 88 00:04:53.000 --> 00:04:55.439 Three times on three times you were hung up on 89 00:04:55.720 --> 00:04:56.920 you were hung up on right. 90 00:04:56.959 --> 00:05:01.759 So Friday I physically went down to the AutoNation dealership 91 00:05:01.959 --> 00:05:05.439 on a rapa Hole road and it turns out that 92 00:05:05.480 --> 00:05:08.439 they don't know. They're a butt from the elbow. But 93 00:05:08.600 --> 00:05:13.079 there are two places, two different service areas. One is 94 00:05:13.120 --> 00:05:16.000 for subar rus that are brought there and another one 95 00:05:16.439 --> 00:05:19.360 is for other makes of cars that are brought there 96 00:05:19.399 --> 00:05:24.160 for repairs. And apparently there's a secondary lot where the 97 00:05:24.199 --> 00:05:27.560 car was. So they got in, as far as I remember, 98 00:05:28.040 --> 00:05:31.720 they got in touch with Dawn and Dale and then 99 00:05:31.759 --> 00:05:32.360 they were. 100 00:05:32.480 --> 00:05:33.759 Gonna let me know what happened. 101 00:05:34.000 --> 00:05:35.399 So what happened when they got in. 102 00:05:35.319 --> 00:05:36.079 Touch with you guys? 103 00:05:37.040 --> 00:05:39.600 Yes, so give us the latest Dawn and. 104 00:05:39.519 --> 00:05:47.839 Dale from them right, Dad down on Saturday herself and 105 00:05:48.160 --> 00:05:50.120 ended up getting banned from property. 106 00:05:50.920 --> 00:05:53.079 Banned from the proper. How do you get banned from 107 00:05:53.120 --> 00:05:53.720 the property? 108 00:05:53.800 --> 00:05:59.759 Come on, come on, he kind of made a scene. 109 00:06:00.000 --> 00:06:03.000 That's what I thought, That's what I thought. I mean. 110 00:06:03.360 --> 00:06:06.000 But but but wait a minute. How let me talk 111 00:06:06.000 --> 00:06:09.079 to him? Dale? 112 00:06:09.680 --> 00:06:12.319 Dale? How did you get banned? All you had to 113 00:06:12.360 --> 00:06:14.600 do was go down and say, you know, we're working 114 00:06:14.600 --> 00:06:15.600 with the Martino Show. 115 00:06:15.639 --> 00:06:18.480 Did you find the vehicle yet? How did that escalate 116 00:06:18.560 --> 00:06:21.879 into you getting banned? Tell us what happened? Step by step? 117 00:06:22.199 --> 00:06:25.160 You show up? Who did you talk to first? 118 00:06:26.439 --> 00:06:29.519 I didn't talk to anybody first. I went straight to 119 00:06:29.639 --> 00:06:33.800 the showroom and asked for everybody's attention. 120 00:06:35.279 --> 00:06:36.240 I was pissed. 121 00:06:36.360 --> 00:06:38.839 I liked this guy. Now, what do you mean how 122 00:06:38.879 --> 00:06:40.240 did you get everyone's attention? 123 00:06:41.560 --> 00:06:44.399 Because I said, I now over the showroom. Can I 124 00:06:44.439 --> 00:06:45.759 please have everybody's's attention? 125 00:06:46.480 --> 00:06:48.519 Oh my god, Okay, I get you now. 126 00:06:49.560 --> 00:06:52.480 I said, I know you guys are here to buy 127 00:06:52.480 --> 00:06:55.279 a car or a truck or something, but do yourself 128 00:06:55.319 --> 00:06:58.480 a favorite turn around, walk out and never come back. 129 00:06:59.120 --> 00:07:02.759 Oh my god, but why didn't you first see? 130 00:07:02.879 --> 00:07:06.319 Why didn't you first see if Doc's conversation did any good. 131 00:07:09.120 --> 00:07:12.040 All the people were there, and I know I wasn't 132 00:07:12.079 --> 00:07:14.160 going to I didn't do anything. 133 00:07:14.360 --> 00:07:17.759 But Dale, you knew your car was in the secondary lot. 134 00:07:18.319 --> 00:07:20.639 Did you go over there? Now? 135 00:07:22.040 --> 00:07:26.360 Okay, so anyway, after you made this announcement, I'm just curious, Dale, 136 00:07:26.600 --> 00:07:29.959 I'm curious when you made this announcement. I am very curious, 137 00:07:30.000 --> 00:07:33.160 by the way, because what Dale did is not illegal 138 00:07:33.360 --> 00:07:36.759 or wrong in many people's eyes, and he's pissed off. 139 00:07:36.959 --> 00:07:39.160 But what I want to know, Dale, is when you 140 00:07:39.199 --> 00:07:42.000 were making the announcement, did anyone leave? 141 00:07:43.360 --> 00:07:43.519 No? 142 00:07:46.000 --> 00:07:49.560 So, no one listened, No one listened to you really, 143 00:07:50.040 --> 00:07:53.319 So did anyone come and try to stop you from talking? 144 00:07:54.800 --> 00:07:55.160 Yes? 145 00:07:55.519 --> 00:07:59.079 Then the manager came over and told me that I 146 00:07:59.160 --> 00:08:00.000 have to leave. 147 00:08:00.600 --> 00:08:03.759 Okay, and of course you you do have to leave 148 00:08:03.800 --> 00:08:06.560 if they asked you to leave, otherwise it's trespass. 149 00:08:07.480 --> 00:08:10.000 Yeah, And he said I'll call the cops on you. 150 00:08:10.240 --> 00:08:13.639 I said, I don't care, So I guess somebody called 151 00:08:13.639 --> 00:08:15.560 the cops, and the cops came over. By that time, 152 00:08:15.600 --> 00:08:20.079 I was walking outside okay, because I knew I needed 153 00:08:20.120 --> 00:08:20.560 to leave. 154 00:08:21.000 --> 00:08:21.959 Sure. Sure. 155 00:08:22.439 --> 00:08:25.519 I started walking outside and there were three people that 156 00:08:25.560 --> 00:08:28.000 were kind of starting to walk in, and I stopped 157 00:08:28.040 --> 00:08:29.920 them and started talking to them. I said, you guys 158 00:08:31.079 --> 00:08:33.559 want to buy a car here? And he said yeah. 159 00:08:33.759 --> 00:08:36.440 I said, do yourself a favorite, turn around. 160 00:08:36.240 --> 00:08:36.919 And walk away. 161 00:08:37.799 --> 00:08:41.120 Okay, So then what happened to us? I find him 162 00:08:41.120 --> 00:08:43.759 what happened to us didn't make any different to him. 163 00:08:43.759 --> 00:08:44.559 They walked right in. 164 00:08:45.639 --> 00:08:46.120 By the way. 165 00:08:46.279 --> 00:08:50.240 Just so you know, just so you know, the problem 166 00:08:50.720 --> 00:08:53.159 wasn't so much the problem with you. It's not like 167 00:08:53.840 --> 00:08:57.960 the automation did anything wrong. If you had something wrong 168 00:08:58.000 --> 00:09:00.480 with the used car as is, it would have been. 169 00:09:00.519 --> 00:09:03.679 And then if you had the warranty that that was 170 00:09:03.759 --> 00:09:07.159 all a separate issue. They didn't really do anything wrong 171 00:09:07.240 --> 00:09:10.399 in the beginning. What happened that made it wrong is 172 00:09:10.399 --> 00:09:13.279 that they started ignoring you and you didn't know where 173 00:09:13.320 --> 00:09:13.720 the hell. 174 00:09:13.639 --> 00:09:17.039 Your car was. So it's kind of a weird situation. 175 00:09:17.200 --> 00:09:19.720 Okay, So on your way out, you talk to another 176 00:09:19.799 --> 00:09:23.200 couple who walked in, and then what happened then to 177 00:09:23.320 --> 00:09:23.840 keep going? 178 00:09:24.919 --> 00:09:28.120 Well, the police were there and they said, I don't have. 179 00:09:28.039 --> 00:09:31.679 To leave, and so I said, okay, an he asked 180 00:09:31.799 --> 00:09:35.159 from ID. I gave the ID and the managers were 181 00:09:35.159 --> 00:09:38.559 out there by then and asked, you need this guy 182 00:09:38.639 --> 00:09:42.519 to leave, and I said yes, and they said yes. 183 00:09:43.399 --> 00:09:46.200 So I went ahead and left at that point. But 184 00:09:46.279 --> 00:09:48.559 a nothing I wanted to mention to you. The car 185 00:09:48.759 --> 00:09:54.240 did not ever overheat. Okay, I think you an assumption 186 00:09:54.320 --> 00:09:55.840 that did overheat you. 187 00:09:56.000 --> 00:09:58.559 No, No, I never. I was never under that assumption. 188 00:09:59.159 --> 00:10:02.720 I said that dealer said. The dealer said the warranty 189 00:10:02.759 --> 00:10:04.879 won't cover it because it overheated. 190 00:10:06.240 --> 00:10:09.039 I did not, and they ran out done the entire time. 191 00:10:09.799 --> 00:10:13.000 No, no, listen, these extended warranties. I want to tell 192 00:10:13.000 --> 00:10:16.039 you something, Dale and Dawn, we're with you. 193 00:10:16.519 --> 00:10:20.559 The problem is the problem is They make it almost 194 00:10:20.600 --> 00:10:25.720 impossible because you're fighting and you can't afford to They 195 00:10:25.879 --> 00:10:29.919 basically turned down your the warranty claim. These warranties suck. 196 00:10:30.440 --> 00:10:33.639 They simply said, sorry, we're not covering it. It's overheated. 197 00:10:33.799 --> 00:10:34.960 All right, then what do you do? 198 00:10:35.320 --> 00:10:35.480 So? 199 00:10:35.639 --> 00:10:39.519 But the real problem now is getting your damn car back. 200 00:10:39.879 --> 00:10:41.639 Let's say you want to get your car back and 201 00:10:41.679 --> 00:10:48.360 get it checked by someone. Where is your car? 202 00:10:48.240 --> 00:10:50.360 Far as I know, it's done a lot? 203 00:10:50.080 --> 00:10:53.320 But do you know did you see it? Did you 204 00:10:53.360 --> 00:10:55.639 see it when you were there? No? 205 00:10:57.639 --> 00:10:59.799 Oh I did not. Did your guys see it at all? 206 00:11:02.879 --> 00:11:05.799 Did you go to the secondary lot where they told 207 00:11:05.799 --> 00:11:06.759 you your car would be? 208 00:11:09.240 --> 00:11:10.440 Oh? I didn't go anywhere. 209 00:11:11.720 --> 00:11:18.559 Well now, no, no, he was told it was in 210 00:11:18.600 --> 00:11:19.480 a secondary lot. 211 00:11:19.600 --> 00:11:21.080 We don't have to go over to talk. We don't 212 00:11:21.080 --> 00:11:23.240 have to go over it. We we know what they said. 213 00:11:23.480 --> 00:11:26.480 They said, it's at the secondary lot. Here's the deal. 214 00:11:27.159 --> 00:11:30.399 Maybe don Why didn't they'll go there? Well, I don't 215 00:11:30.399 --> 00:11:33.279 know why Dale didn't go there him because he wanted 216 00:11:33.320 --> 00:11:34.200 to make a scene. 217 00:11:34.960 --> 00:11:38.759 He wanted to raise hell. He listen, he's admitting it. 218 00:11:39.279 --> 00:11:41.919 My hat's off to Dale. He's not trying to hide. 219 00:11:42.200 --> 00:11:44.960 He's saying, look, these people did him wrong. He wants 220 00:11:44.960 --> 00:11:45.600 people to know. 221 00:11:46.519 --> 00:11:50.120 He wants people to know which which AutoNation is this. 222 00:11:50.200 --> 00:11:54.039 I want to get it specifically. It's see arap, it's 223 00:11:54.080 --> 00:11:59.559 the uh okay, got it? Okay? 224 00:12:00.240 --> 00:12:03.080 I mean you know, look, you got to give him credit. 225 00:12:03.399 --> 00:12:05.879 This is something in the early days Mark would have 226 00:12:05.919 --> 00:12:09.720 done as an individual before he became on the radio. 227 00:12:10.200 --> 00:12:14.559 This is exactly. I remember one time when Mark first 228 00:12:14.919 --> 00:12:17.279 not first started, but he started on the radio with me. 229 00:12:17.960 --> 00:12:21.279 He went to an auction where a guy was auctioning 230 00:12:21.320 --> 00:12:26.559 off stuff and this guy had been known to take stuff, 231 00:12:26.600 --> 00:12:28.679 auction it off and keep the money. 232 00:12:29.120 --> 00:12:33.600 Mark, do you remember that? Can you remember that you 233 00:12:33.679 --> 00:12:37.240 were on the auction and this guy starts aggating. Mark 234 00:12:37.360 --> 00:12:40.240 yells out, what did you yell out? 235 00:12:41.279 --> 00:12:44.360 I don't you know what? We're thinking of? Two different ones. 236 00:12:44.879 --> 00:12:49.080 You're thinking of one in the nineties. I in Parker, 237 00:12:49.720 --> 00:12:53.639 in Parker, that was in Parker, Man, that was forever ago. 238 00:12:54.279 --> 00:12:56.519 I know it, I know it. But that was a 239 00:12:56.559 --> 00:12:57.679 live auction. 240 00:12:58.919 --> 00:13:02.120 And you yelled, don't buy from this crook or something. 241 00:13:02.279 --> 00:13:02.840 Yeah, it was. 242 00:13:03.679 --> 00:13:04.399 It was crazy. 243 00:13:04.519 --> 00:13:06.919 So it was very Anyway, we got more coming up 244 00:13:06.919 --> 00:13:07.960 on the Troubleshooter show. 245 00:13:12.720 --> 00:13:16.000 Go with a sure thing Denver's Best roofer Excel Roofing 246 00:13:16.080 --> 00:13:16.679 dot com. 247 00:13:16.720 --> 00:13:18.759 You don't pay a cent until you're content. 248 00:13:22.120 --> 00:13:25.679 Time for an insurance checkup free, no obligation comparison call 249 00:13:25.759 --> 00:13:29.080 Compass Insurance paying too much your coverage at dozens of 250 00:13:29.120 --> 00:13:31.759 insurance companies find out now three O three seven to 251 00:13:31.840 --> 00:13:32.320 seven to one. 252 00:13:32.440 --> 00:13:32.679 Help. 253 00:13:32.840 --> 00:13:35.480 You'll think you're his only customer when you choose Frank 254 00:13:35.559 --> 00:13:38.000 durand the real estate Man dot com to list your 255 00:13:38.039 --> 00:13:41.159 home with Remax Alliance three oh three nine two zero 256 00:13:41.279 --> 00:13:51.799 sixteen twenty two. Hi Tom Martina Here waterpros dot net 257 00:13:51.840 --> 00:13:53.720 the best water systems and lowest prices. 258 00:13:53.759 --> 00:13:56.320 Get rid of microplastics. I want to bring something up. 259 00:13:56.360 --> 00:13:59.039 This is really important. There are now class. 260 00:13:58.679 --> 00:14:03.399 Actions is being done about plastics against bottle manufacturers. What 261 00:14:03.440 --> 00:14:06.519 I don't understand is how they find an individual defendant 262 00:14:06.639 --> 00:14:09.720 or who the defendant is. But in any case, class 263 00:14:09.720 --> 00:14:15.120 actions are popping up about bottled water. And then the government, 264 00:14:15.919 --> 00:14:22.480 the EPA has this ongoing research for standardization of methods. 265 00:14:22.720 --> 00:14:27.639 They're going to start imposing restrictions on plastics and water. 266 00:14:28.039 --> 00:14:29.720 So keep that in mind, and if you want to 267 00:14:29.759 --> 00:14:32.159 get them out of your drinking water around twelve hundred 268 00:14:32.200 --> 00:14:36.519 bucks reverse osmosiswatercos dot net and you'll never get a 269 00:14:36.519 --> 00:14:37.080 price like that. 270 00:14:37.159 --> 00:14:43.720 Now, listen, we just what do we do, Mark? What 271 00:14:43.759 --> 00:14:46.159 do we do about this problem? Really? What do we do? 272 00:14:46.360 --> 00:14:46.519 Well? 273 00:14:46.559 --> 00:14:48.039 I mean, you got to get his car back, So 274 00:14:48.120 --> 00:14:50.519 that's number one. I'm not quite sure how he's going 275 00:14:50.600 --> 00:14:52.559 to do that at this point. Maybe have the wife 276 00:14:52.559 --> 00:14:54.480 go down or a friend go down pick up the 277 00:14:54.559 --> 00:14:57.919 car or Lee Jael's daughter. Yeah, and get it somewhere else. 278 00:14:58.120 --> 00:14:59.559 I mean, that's what he's got to do. And get 279 00:14:59.600 --> 00:15:01.240 it on Don Don's his daughter. 280 00:15:01.279 --> 00:15:04.080 Okay, so down, Here's what I want you to I 281 00:15:04.080 --> 00:15:06.039 want you to call and say nothing but this. 282 00:15:06.519 --> 00:15:08.240 You simply want to pick up your car. 283 00:15:09.120 --> 00:15:12.360 Just talk, don't talk about any issue, just say, look, 284 00:15:12.559 --> 00:15:14.919 I want to pick up the car, and certainly Doc, 285 00:15:15.279 --> 00:15:18.559 maybe you can make another call and let's right now 286 00:15:18.639 --> 00:15:19.480 just get the car. 287 00:15:19.759 --> 00:15:23.679 Let's just get the car. I personally think it's not 288 00:15:23.720 --> 00:15:24.799 going to be covered. 289 00:15:24.440 --> 00:15:26.639 Anyway, no matter what. I just don't think it's going 290 00:15:26.679 --> 00:15:30.320 to be covered. Let's let's go to Laurie. Now, Laurie, 291 00:15:30.360 --> 00:15:33.279 welcome to the show. You want to call about a 292 00:15:33.320 --> 00:15:35.879 guy that's already on the sleeze Brigade. By the way, 293 00:15:36.159 --> 00:15:40.399 I have up updated the sleeves Brigade, and I added 294 00:15:40.440 --> 00:15:42.519 that one guy at the speed shop. 295 00:15:43.440 --> 00:15:45.279 What's the name of that shop again? Mark, that guy 296 00:15:45.399 --> 00:15:48.159 is such a something loud speedcat. 297 00:15:48.879 --> 00:15:49.840 Yeah, go CAATs. 298 00:15:49.879 --> 00:15:56.480 His name's Eric Brown. Yeah, Eric Brown, seven years ago, 299 00:15:58.440 --> 00:16:00.720 the only one. Oh my god, Mark, that's just one 300 00:16:00.759 --> 00:16:01.159 of many. 301 00:16:01.840 --> 00:16:01.960 Uh. 302 00:16:02.279 --> 00:16:06.960 In any case, Laurie, Laurie, did you find out after 303 00:16:07.000 --> 00:16:08.879 you got ripped off that this guy was on the 304 00:16:08.919 --> 00:16:14.120 sleeves Brigade? What happened? Tell us your story, Laurie, Yeah, 305 00:16:14.279 --> 00:16:15.279 after the fact. 306 00:16:17.080 --> 00:16:21.200 So what did you use him for? He's a mobile mechanic, right. 307 00:16:21.519 --> 00:16:24.480 I had just got back from Colorado, my first day 308 00:16:24.519 --> 00:16:27.399 back to work. He approached me because I had kind 309 00:16:27.399 --> 00:16:29.720 of been looking for a generator from my camper van. 310 00:16:30.639 --> 00:16:33.039 He approached me and tells me he's found me a 311 00:16:33.080 --> 00:16:36.000 camper van. He found me a generator. 312 00:16:36.120 --> 00:16:37.320 It was a great So what do you mean he 313 00:16:37.360 --> 00:16:39.559 approached you? What do you mean he approached you first 314 00:16:39.600 --> 00:16:40.600 of all to get it? 315 00:16:40.679 --> 00:16:42.840 He was where I work? 316 00:16:43.200 --> 00:16:45.480 Where does he work? 317 00:16:45.000 --> 00:16:46.960 At? 318 00:16:47.039 --> 00:16:49.840 The tank of ready swapped me. He was only there 319 00:16:49.840 --> 00:16:53.279 about two months, but he's okay, like five of us 320 00:16:53.279 --> 00:16:54.200 swall he was there. 321 00:16:55.120 --> 00:16:56.120 Oh my god. 322 00:16:56.440 --> 00:17:00.440 The guy can't. He just can't do anything, honestly. So 323 00:17:01.000 --> 00:17:01.960 you were working with. 324 00:17:02.000 --> 00:17:06.200 Him, Well, I wasn't working by his side. 325 00:17:06.400 --> 00:17:08.319 I know, I understand, but. 326 00:17:08.359 --> 00:17:12.400 Yeah, we worked. He's there and he was kind of 327 00:17:12.440 --> 00:17:17.920 a boss for the ground, so he got to know everybody. Well, 328 00:17:18.519 --> 00:17:21.680 so he's talking about this great generator that he bought 329 00:17:21.680 --> 00:17:25.240 off this guy took it off the RV. He said 330 00:17:25.279 --> 00:17:30.440 it would be great. Four hundred dollars and he charged 331 00:17:30.480 --> 00:17:33.720 me two hundred to put it on, right, Okay, he 332 00:17:33.839 --> 00:17:38.480 shows me a picture. I've paid three hundred, and then 333 00:17:38.519 --> 00:17:40.519 he comes and tells me, Wow, you're going to need 334 00:17:40.559 --> 00:17:46.319 a switch plate and that's another three hundred. So now 335 00:17:46.599 --> 00:17:48.519 you know we're up to nine hundreds. 336 00:17:48.880 --> 00:17:52.400 Oh my god. And this is for a generator. 337 00:17:52.480 --> 00:17:56.920 Right and and known in three thousand. 338 00:17:58.079 --> 00:18:01.039 Oh we're talking about one of those big So you're 339 00:18:01.079 --> 00:18:05.319 talking about the whole house generator right right? For how much? 340 00:18:05.359 --> 00:18:07.680 Wait a minute, how much he. 341 00:18:08.279 --> 00:18:10.720 Said he got it off of a guy, off of 342 00:18:10.759 --> 00:18:14.480 an RV that the guy was getting rid of the 343 00:18:14.559 --> 00:18:14.799 r How. 344 00:18:14.799 --> 00:18:21.400 Much, yes, how much total? How much total? Well, that's 345 00:18:21.440 --> 00:18:24.799 a lot of red flags. Yeah, because that's cheap. 346 00:18:24.920 --> 00:18:30.279 Actually right right, Wow, I'm not the only one. 347 00:18:30.400 --> 00:18:31.039 Do we still do? 348 00:18:31.079 --> 00:18:33.640 You got an updated phone number on this bomb? This 349 00:18:33.680 --> 00:18:35.039 guy's a real a piece of work. 350 00:18:35.720 --> 00:18:37.720 I got his phone number. I got his dad. 351 00:18:37.920 --> 00:18:40.319 Hey, Kelly, let's reach out. Let's show him how far 352 00:18:40.400 --> 00:18:43.920 our reach goes. Because this guy sucks in my opinion. 353 00:18:44.039 --> 00:18:48.240 Oh number, Yeah, we want a phone number. 354 00:18:48.680 --> 00:18:51.240 Okay, let me give it. I got to look it up. 355 00:18:51.279 --> 00:18:52.920 He's in my contact. 356 00:18:52.920 --> 00:18:55.559 So what he's telling you now, pound saying what? What's 357 00:18:55.559 --> 00:18:57.839 his what means? Did he do anything at all for 358 00:18:57.920 --> 00:19:00.200 the money? Did he do anything at all for the money? 359 00:19:01.200 --> 00:19:01.960 He tried to. 360 00:19:02.160 --> 00:19:05.319 He took my tire off underneath there and said, well, 361 00:19:05.359 --> 00:19:07.880 I won't fit with the generator. He took it off. 362 00:19:08.880 --> 00:19:14.480 He won't fit with Yeah, hey is that mark? Do 363 00:19:14.519 --> 00:19:16.000 you have an on N or do you have a 364 00:19:16.000 --> 00:19:19.960 bigger one? N? 365 00:19:20.720 --> 00:19:20.960 Mind? 366 00:19:21.039 --> 00:19:24.720 So what's the other big brand? The green one? Genera general? No, 367 00:19:24.799 --> 00:19:25.759 it's not generic. 368 00:19:26.119 --> 00:19:29.039 It must be an I thought was the green one? 369 00:19:29.119 --> 00:19:29.279 Yeah? 370 00:19:29.319 --> 00:19:29.559 Whatever? 371 00:19:29.599 --> 00:19:30.559 The green one is. 372 00:19:33.039 --> 00:19:36.079 Like the one that you look up like underneath your 373 00:19:36.599 --> 00:19:41.880 your r V or your camper van that rest your gas. 374 00:19:41.640 --> 00:19:44.240 Okay, So what's his phone number? Did you find his 375 00:19:44.319 --> 00:19:44.880 phone number? 376 00:19:45.000 --> 00:19:52.599 Yeah, it's five two zero seven nine four one zero nine. 377 00:19:53.200 --> 00:19:54.240 Does it still work? 378 00:19:55.519 --> 00:19:57.640 As far as I know as of a week ago, 379 00:19:57.759 --> 00:19:58.079 it did. 380 00:19:58.240 --> 00:20:01.720 Let's say that he you're saying that he ripped off 381 00:20:01.759 --> 00:20:03.000 how many people at work? 382 00:20:03.920 --> 00:20:08.200 I'm Jasmine. Her truck broke down and it was out 383 00:20:08.200 --> 00:20:11.960 of town. And he told her if she gave him 384 00:20:11.960 --> 00:20:14.880 three hundred dollars that he would have a toad and 385 00:20:14.960 --> 00:20:15.440 fix it. 386 00:20:15.440 --> 00:20:19.519 For so he got he got eight hundred from you, 387 00:20:19.960 --> 00:20:22.279 And how much did he get from all the other people? 388 00:20:22.640 --> 00:20:26.160 He got three hundred from Jasmine, he got seven hundred 389 00:20:27.559 --> 00:20:32.960 from Isaiah. He's got a car from a seedrow. I 390 00:20:33.000 --> 00:20:35.799 told Roberto his car is not where he lives. I 391 00:20:35.839 --> 00:20:37.880 know a Cedro's car, it's not there. 392 00:20:39.039 --> 00:20:42.400 This guy with the car and from. 393 00:20:42.200 --> 00:20:48.000 Work, he sold power tools and a generator. My boss said, 394 00:20:48.000 --> 00:20:50.839 did you see the generator? I said yeah. He said 395 00:20:50.880 --> 00:20:53.839 what color is it? I said, I saw too, there's 396 00:20:53.880 --> 00:20:54.960 a red one in a box. 397 00:20:55.000 --> 00:20:57.680 Oh my god, this guy's just a crook. What a 398 00:20:57.759 --> 00:21:01.720 cry mark. Isn't it amazing? Aren't it amazing how our 399 00:21:01.759 --> 00:21:05.720 sleeves Brigade just finds the right kind of people. And 400 00:21:06.400 --> 00:21:09.799 what I mean is they they always resurface doing ripoffs. 401 00:21:09.839 --> 00:21:13.319 You would think that they would change. Nah, they never change. Yeah, 402 00:21:13.519 --> 00:21:15.359 Now hold. 403 00:21:15.079 --> 00:21:17.000 On, hold on, Let's figure out what we can do 404 00:21:17.039 --> 00:21:19.759 to get this guy. We'll have Kelly reach out. Plus 405 00:21:19.759 --> 00:21:21.839 we'll do more right after this on The Troubleshooter Show 406 00:21:21.839 --> 00:21:23.720 three o three seven one three eight two five five. 407 00:21:23.880 --> 00:21:25.400 Don't forget the extreme. 408 00:21:25.079 --> 00:21:28.279 Clean check from fix It twenty four to seven thirty 409 00:21:28.359 --> 00:21:31.519 nine bucks for your AC thirty nine dollars with the 410 00:21:31.599 --> 00:21:32.119 heat here. 411 00:21:32.279 --> 00:21:33.039 You need this. 412 00:21:33.400 --> 00:21:37.160 It's a clean check and tune for just thirty nine bucks. 413 00:21:37.200 --> 00:21:38.720 Fix my Home dot com book. 414 00:21:38.440 --> 00:21:42.119 Now go with a sure thing Denver's best roofer Excel 415 00:21:42.240 --> 00:21:43.279 Roofing dot com. 416 00:21:43.319 --> 00:21:45.319 You don't pay a cent until you're content. 417 00:21:48.680 --> 00:21:51.880 Time for an insurance checkup free, no obligation in comparison 418 00:21:52.000 --> 00:21:55.559 call Compass Insurance. Pay too much your coverage at dozens 419 00:21:55.599 --> 00:21:58.319 of insurance companies find out now three oh three seven 420 00:21:58.319 --> 00:21:58.920 to seven to one. 421 00:21:59.000 --> 00:21:59.279 Help. 422 00:21:59.440 --> 00:22:02.440 You'll think his only customer when you choose Frank durand 423 00:22:02.440 --> 00:22:04.880 the real estate Man dot com to list your home 424 00:22:05.119 --> 00:22:08.279 with Remax Alliance three oh three nine two zero sixteen 425 00:22:08.319 --> 00:22:16.319 twenty two Hi Tom Martino here three three seven one 426 00:22:16.440 --> 00:22:20.200 three talk seven month three eight two five five Louri. 427 00:22:21.319 --> 00:22:26.160 So she had this guy, Bill van Alstein mobile mechanic 428 00:22:26.359 --> 00:22:29.599 rip her off several people at work. The guy's been 429 00:22:29.640 --> 00:22:31.480 on my sleeves brigade for years. 430 00:22:32.000 --> 00:22:35.200 She didn't know that. She happened to work with him. 431 00:22:35.480 --> 00:22:37.920 And do you know where he went, Laurie, after he 432 00:22:37.960 --> 00:22:40.279 got fired from there or did he quit? Did he 433 00:22:40.319 --> 00:22:41.240 get fired or quit? 434 00:22:42.559 --> 00:22:45.279 I think he resigned when he realized it was getting 435 00:22:45.400 --> 00:22:50.400 heavy because people wanted their money back and the boss 436 00:22:50.519 --> 00:22:56.200 was questioning on the generator and power tools that were gone, 437 00:22:56.799 --> 00:23:00.000 and he would take money out of the cash box 438 00:23:00.279 --> 00:23:03.960 to go get like a battery for the golf cart 439 00:23:04.160 --> 00:23:06.920 and then never come back with a battery and then 440 00:23:07.880 --> 00:23:10.440 tried to say someone saw him put it in, while 441 00:23:10.640 --> 00:23:16.079 that never happened. You focketed that money, too, godly? 442 00:23:16.319 --> 00:23:20.079 So anyway, what what plan do you have? What like? 443 00:23:20.160 --> 00:23:21.119 Do you know where he is? 444 00:23:21.920 --> 00:23:25.680 Yes, we all filed with the Sheriff's department. 445 00:23:26.160 --> 00:23:28.880 We had wait wait wait wait wait wait wait, did 446 00:23:28.920 --> 00:23:31.519 you just say he got a job with the Sheriff's department. 447 00:23:31.880 --> 00:23:37.000 No, we filed all I'm sorry, we filed a report. 448 00:23:37.079 --> 00:23:40.000 We all had to write out a statement, and we've 449 00:23:40.039 --> 00:23:42.519 got a case number against him. 450 00:23:43.440 --> 00:23:43.799 Okay. 451 00:23:44.359 --> 00:23:47.160 For some reason, I took a picture of where he 452 00:23:47.240 --> 00:23:50.279 lives is out in the desert on dirt roads with 453 00:23:50.359 --> 00:23:52.319 no signs. If you don't know how to get there, 454 00:23:52.480 --> 00:23:53.599 it's hard to find. 455 00:23:53.759 --> 00:23:56.279 You found, So you can serve him now. 456 00:23:57.279 --> 00:24:02.440 Right, Well, so I had taken pictures also of the 457 00:24:00.880 --> 00:24:07.440 posts out on the road, of the numbers for that 458 00:24:07.559 --> 00:24:08.960 area back there, because. 459 00:24:08.960 --> 00:24:11.880 Where does he live? Where does he live? What area? 460 00:24:12.160 --> 00:24:13.079 Just in general? 461 00:24:13.119 --> 00:24:16.119 What area west of Tucson. 462 00:24:17.440 --> 00:24:22.480 The Tucson Okay, so this guy isn't just man near. 463 00:24:22.400 --> 00:24:25.599 The Tucson of State off of eighty six off of 464 00:24:25.680 --> 00:24:26.319 Boss Road. 465 00:24:26.400 --> 00:24:33.720 Actually, yeah, okay, Now his phone number still works. 466 00:24:33.759 --> 00:24:34.079 Do you know? 467 00:24:35.880 --> 00:24:38.559 My boss told me I shouldn't talk to him at all, 468 00:24:39.240 --> 00:24:41.400 but a week ago it was still working. 469 00:24:44.799 --> 00:24:47.839 Kelly. Did you try that number? I did, yes, and 470 00:24:47.880 --> 00:24:48.759 I loved a message. 471 00:24:49.920 --> 00:24:52.440 Okay, so it was a working number. I want everyone 472 00:24:52.519 --> 00:24:56.400 to leave a message. I want you to let Bill 473 00:24:56.480 --> 00:24:59.359 van Alstein or William van Alstein. 474 00:24:59.440 --> 00:25:02.920 No that we know about out here he. 475 00:25:02.960 --> 00:25:03.839 Goes by Michael. 476 00:25:04.839 --> 00:25:06.039 Yeah, here. 477 00:25:07.279 --> 00:25:10.000 Michael on the Sleeves Brigade. He's listed as Michael. 478 00:25:10.119 --> 00:25:13.599 Right his picture on your Please Brigade, he looks a 479 00:25:13.640 --> 00:25:16.640 little bit younger, like, yeah, a little bit a lot 480 00:25:16.759 --> 00:25:19.160 younger actually, so he's. 481 00:25:19.000 --> 00:25:21.000 Way older than that picture. I got to get an 482 00:25:21.079 --> 00:25:27.440 updated picture. Hey, let's deputy sues or executive producer sues X. 483 00:25:28.400 --> 00:25:31.680 She is good at finding picks up people. 484 00:25:32.160 --> 00:25:34.799 Maybe we can have her dog this guy out and 485 00:25:34.880 --> 00:25:36.759 get a pick an updated one. 486 00:25:37.039 --> 00:25:40.839 He still looks the same, he just looks older. Yeah, 487 00:25:40.960 --> 00:25:42.319 and it's longer. 488 00:25:43.240 --> 00:25:46.359 Okay, you know, it's really too bad. I wish we 489 00:25:46.440 --> 00:25:48.759 got to Mark. We got to somehow push out this 490 00:25:48.839 --> 00:25:52.440 sleaze brigade more and get people looking at it. It's 491 00:25:52.480 --> 00:25:55.319 got pretty good rankings Seo ring Kis, but we gotta 492 00:25:55.759 --> 00:25:58.039 we got to really get people to look at this more. 493 00:25:58.880 --> 00:26:01.839 I know one time when Mark found or a couple 494 00:26:01.920 --> 00:26:06.759 times he finds people in a certain category and he 495 00:26:06.880 --> 00:26:12.920 goes out and actually is social media and pushes it 496 00:26:12.920 --> 00:26:18.000 to specific audiences that will come across it because they 497 00:26:18.039 --> 00:26:20.960 need those services at the time. And I think that's 498 00:26:20.960 --> 00:26:23.799 a really good way of doing it too. Three oh three, 499 00:26:24.839 --> 00:26:28.839 seven to one to three, talk Laurie right now. Other 500 00:26:28.920 --> 00:26:30.880 than getting the word out, I'm not sure, there's much 501 00:26:30.960 --> 00:26:34.640 we can do for you, and thank goodness you're and 502 00:26:34.920 --> 00:26:40.720 I know this sounds crazy, but you're only out eight hundred. 503 00:26:40.759 --> 00:26:43.720 Only Ray, I've lot more than that in the past. 504 00:26:45.480 --> 00:26:47.799 Than well. 505 00:26:47.839 --> 00:26:49.759 Thank you for letting us know, though. We're going to 506 00:26:49.839 --> 00:26:52.039 make a note of this and I'm going to update that. 507 00:26:52.119 --> 00:26:54.359 I want to go to r Z right now. I 508 00:26:54.400 --> 00:27:02.599 hope I'm saying the name right RZ. ARSI, Yes, okay, 509 00:27:02.839 --> 00:27:04.920 can you tell me what's going on with you? 510 00:27:05.119 --> 00:27:05.359 Rzi? 511 00:27:06.599 --> 00:27:08.960 Well, I lost. 512 00:27:10.359 --> 00:27:15.279 I lost my sister Cosetta, I lost my mother Theoma, 513 00:27:15.799 --> 00:27:17.039 I lost my dad. 514 00:27:17.880 --> 00:27:19.960 Oh, I remember this one, I remember this. 515 00:27:20.920 --> 00:27:23.119 We had a question for Dan McKenzie and we got 516 00:27:23.160 --> 00:27:25.680 him on ARSI has one sister. 517 00:27:25.759 --> 00:27:27.240 And two half brothers. 518 00:27:27.759 --> 00:27:34.160 His mom and oldest sister both recently passed away. He 519 00:27:34.240 --> 00:27:39.640 became their personal representative. But you were removed due to 520 00:27:39.839 --> 00:27:46.119 alleged improprieties, so that pretty much sums it up. Of course, 521 00:27:46.160 --> 00:27:49.440 you don't agree that you should have been removed, and 522 00:27:50.359 --> 00:27:53.960 I wanted to ask Dan McKenzie a couple general questions. First, 523 00:27:55.079 --> 00:27:58.200 Dan McKenzie, McKenzie law, thank you, by the way for 524 00:27:58.279 --> 00:27:58.680 being here. 525 00:27:58.759 --> 00:27:58.960 Dan. 526 00:27:59.000 --> 00:27:59.880 We appreciated all. 527 00:28:00.960 --> 00:28:05.279 He's an estate an attorney who can help you in Colorado, 528 00:28:05.680 --> 00:28:10.039 and I'll give out his contact information after this? How 529 00:28:10.079 --> 00:28:14.119 does someone get removed as a personal representative? 530 00:28:15.839 --> 00:28:19.400 Somebody, a beneficiary or maybe a creditor would have petitioned 531 00:28:19.440 --> 00:28:21.640 the court and said that he needed to be removed. 532 00:28:23.119 --> 00:28:25.839 Now do they have to have proof or that they 533 00:28:25.960 --> 00:28:28.640 just not like the guy? Or how does that work? 534 00:28:29.920 --> 00:28:32.319 I mean, I think the court, you know, this is 535 00:28:32.359 --> 00:28:35.119 really an equable situation where the court is gonna try 536 00:28:35.160 --> 00:28:37.559 and do what's beth, But yeah, they need to bring 537 00:28:37.599 --> 00:28:39.880 forth something and saying look, he's not doing the job 538 00:28:40.559 --> 00:28:43.960 or he's that is often the most common actually actually 539 00:28:44.000 --> 00:28:47.119 complain that the person is just not acting diligently and 540 00:28:47.160 --> 00:28:51.240 with enough speed. Did he tell you what the basis 541 00:28:51.279 --> 00:28:52.599 of was for the removal? 542 00:28:53.440 --> 00:28:53.680 Yeah? 543 00:28:53.759 --> 00:28:56.079 What exactly did they say you did? 544 00:28:57.160 --> 00:29:05.400 Are they faith that stole from the estate? And they've 545 00:29:05.480 --> 00:29:10.599 said a number of other things, And I probably shouldn't 546 00:29:10.640 --> 00:29:12.160 repair fort on the air. 547 00:29:13.359 --> 00:29:15.960 Well, you know, we don't know, we don't know names 548 00:29:16.039 --> 00:29:19.160 really of deceased or counties or any I mean that's 549 00:29:19.240 --> 00:29:21.680 up to you, you don't have to. But in general, 550 00:29:22.039 --> 00:29:26.599 do they have any actual paper trail for this money? 551 00:29:27.680 --> 00:29:28.119 She don't. 552 00:29:28.319 --> 00:29:33.279 They don't have a drop. Everything that they got is 553 00:29:33.319 --> 00:29:34.400 a damn lie. 554 00:29:36.240 --> 00:29:39.279 Well, okay, give me an example of one of the. 555 00:29:39.200 --> 00:29:43.720 Biggest lies that they have that you say is a lie. 556 00:29:43.920 --> 00:29:44.559 What is it? 557 00:29:45.559 --> 00:29:50.920 Well, they said that I stole my sister's truck. Is 558 00:29:51.039 --> 00:29:55.240 sitting out here in my driveway where it's always been sitting. 559 00:29:56.039 --> 00:29:58.519 I had to run it down and locate it. 560 00:30:00.720 --> 00:30:05.000 Oh well, just out of curiosity, man, let's just stick 561 00:30:05.039 --> 00:30:08.279 to this truck. So where was it and why did 562 00:30:08.319 --> 00:30:10.160 you go get it? And why did you bring it 563 00:30:10.200 --> 00:30:10.759 to your house? 564 00:30:12.200 --> 00:30:20.000 Because my sister, my oldest sister, passed away. The last 565 00:30:20.039 --> 00:30:24.559 time I saw, she asked me to get her truck. 566 00:30:24.759 --> 00:30:27.400 Okay, So before she died, she told you to go 567 00:30:27.400 --> 00:30:28.759 get her truck when she dies. 568 00:30:29.440 --> 00:30:31.599 Yeah, okay, Well yeah she didn't. 569 00:30:31.960 --> 00:30:32.359 I didn't. 570 00:30:32.640 --> 00:30:35.359 She just wanted me to go get the truck. We 571 00:30:35.359 --> 00:30:37.640 weren't expecting her to die. 572 00:30:38.160 --> 00:30:39.200 Okay, got it. 573 00:30:39.440 --> 00:30:42.480 And so you were using you were using the truck 574 00:30:42.559 --> 00:30:45.319 before she died, No, sir. 575 00:30:45.599 --> 00:30:51.680 No, sir, Some other people were using it some uh, because. 576 00:30:51.480 --> 00:30:53.480 That was a was a school teacher. 577 00:30:53.920 --> 00:30:55.720 Okay, so so other people. 578 00:30:55.799 --> 00:30:57.640 I don't want to go on a trail here other 579 00:30:57.680 --> 00:31:02.480 people were using it and you went and got it. Yes, okay, 580 00:31:02.920 --> 00:31:05.200 and you kept it at your house for how long 581 00:31:05.279 --> 00:31:06.240 before she died? 582 00:31:07.599 --> 00:31:09.880 It's still here and now No. 583 00:31:10.160 --> 00:31:13.160 What I meant was how long was it at your 584 00:31:13.240 --> 00:31:14.880 house before she died? 585 00:31:16.960 --> 00:31:19.119 I guess about two months? 586 00:31:20.119 --> 00:31:21.240 Okay? Okay? 587 00:31:22.759 --> 00:31:26.559 And Dan McKenzie, let me ask you this. If someone 588 00:31:26.640 --> 00:31:28.880 has property of a deceased person. 589 00:31:30.480 --> 00:31:34.440 And they die, or are they supposed to like forfeit 590 00:31:34.519 --> 00:31:36.400 the property or say you, by the way, I have 591 00:31:36.480 --> 00:31:37.240 her truck or. 592 00:31:37.200 --> 00:31:41.720 What I mean, it's up the personal representative to go 593 00:31:41.880 --> 00:31:42.440 get it. 594 00:31:42.400 --> 00:31:44.759 And just figure out, like, okay, why did you have it? 595 00:31:44.799 --> 00:31:46.480 I mean, obviously it could be on my loan or 596 00:31:46.519 --> 00:31:49.279 just there for sure, whatever else, sure, and then it's 597 00:31:49.279 --> 00:31:49.640 still there. 598 00:31:50.319 --> 00:31:51.799 It is personal property. 599 00:31:52.319 --> 00:31:54.759 People really underestimate how often it's the problem because of 600 00:31:54.759 --> 00:31:56.960 stuff like this, where it's just like it's there. Was 601 00:31:57.000 --> 00:31:59.359 it a gift to him previously or was he really 602 00:31:59.400 --> 00:31:59.839 just storing it? 603 00:32:02.759 --> 00:32:03.799 Would that be enough? 604 00:32:04.119 --> 00:32:07.000 Would that be enough just showing that he had her truck? 605 00:32:08.359 --> 00:32:11.400 Could that be enough by its appearance to get him 606 00:32:11.440 --> 00:32:13.319 removed as a personal representative? 607 00:32:15.079 --> 00:32:16.440 I mean, okay, you know, you get in front of 608 00:32:16.440 --> 00:32:20.400 a court, it's like, you know, you really can't predict that. 609 00:32:20.640 --> 00:32:22.519 Arguably it was sort of you know, it'd be a. 610 00:32:22.519 --> 00:32:23.960 Smart thing to do, though, right, I mean you don't 611 00:32:23.960 --> 00:32:26.279 want to leave it somewhere where it's unsupervised. I mean, 612 00:32:26.279 --> 00:32:29.079 I guess my question for him is was there a 613 00:32:29.119 --> 00:32:30.759 court like there should have been, like some sort of 614 00:32:30.799 --> 00:32:33.119 hearing that you appeared at and made this case. Did 615 00:32:33.160 --> 00:32:33.640 that happen? 616 00:32:34.480 --> 00:32:34.720 Yeah? 617 00:32:34.920 --> 00:32:35.680 Was there a hearing? 618 00:32:37.559 --> 00:32:40.079 I haven't been to any kind of hearing. 619 00:32:39.960 --> 00:32:43.240 Well where it supposed to go to one? Maybe ARSI 620 00:32:43.400 --> 00:32:43.799 did you? 621 00:32:43.880 --> 00:32:47.200 Let's let's start. Let's start right from the beginning. Are 622 00:32:47.240 --> 00:32:50.839 we talking about being removed from your mom's or your 623 00:32:50.880 --> 00:32:53.079 sister's estate? 624 00:32:53.839 --> 00:32:56.839 My mom and my sister's the state. 625 00:32:57.519 --> 00:33:03.200 But there were two separate estates, right right? Who died first? 626 00:33:03.559 --> 00:33:05.200 Oh's that? No? 627 00:33:05.359 --> 00:33:07.319 I'm sorry, I'm my mother? 628 00:33:07.440 --> 00:33:10.960 Did okay? When your mom? Hold on? One step at 629 00:33:11.000 --> 00:33:13.440 a time. I want to be very basic, when your 630 00:33:13.440 --> 00:33:20.960 mom died? Did you open probate? No? Okay? Hold on, 631 00:33:21.000 --> 00:33:22.160 we got more coming right up? 632 00:33:22.160 --> 00:33:28.480 Hold on, go with a sure thing Denver's best roofer 633 00:33:28.640 --> 00:33:31.519 Excel roofing dot com. You don't pay a cent until 634 00:33:31.559 --> 00:33:38.000 you're content. Time for an insurance checkup free, no obligation. 635 00:33:38.039 --> 00:33:41.880 In comparison, call Compass Insurance paying too much your coverage 636 00:33:41.880 --> 00:33:44.480 at dozens of insurance companies. Find out Now three o 637 00:33:44.599 --> 00:33:46.960 three seven to seven to one help. You'll think you're 638 00:33:47.000 --> 00:33:49.519 his only customer when you choose Frank durand the real 639 00:33:49.599 --> 00:33:52.599 estate Man dot com to list your home with Remax 640 00:33:52.640 --> 00:33:55.720 Alliance three oh three nine two zero sixteen twenty two. 641 00:33:56.039 --> 00:34:01.079 And listen there, I'm Tom Archie. You know you're a troubleshooter. 642 00:34:01.160 --> 00:34:04.240 Three oh three seven to one three talk Kinage Home 643 00:34:04.359 --> 00:34:07.400 Solutions for windows, siding, doors, and more. They also have 644 00:34:07.599 --> 00:34:09.239 pros now for painting. 645 00:34:09.960 --> 00:34:13.320 Khwindows dot Com, a company we've known and trusted for 646 00:34:13.400 --> 00:34:16.079 sixty five years. Cage Windows dot Com painting. 647 00:34:16.199 --> 00:34:21.400 Yes, okay, Bill has an issue with a bankingout. But 648 00:34:21.480 --> 00:34:25.599 Dan McKenzie, Before we go on with that, I want 649 00:34:25.639 --> 00:34:29.599 to go back to this probate issue, and that is 650 00:34:29.639 --> 00:34:30.280 what do we do? 651 00:34:31.199 --> 00:34:32.119 What do you do? 652 00:34:33.639 --> 00:34:37.960 Usually there's a hearing, and ARSI said there was no hearing. 653 00:34:38.400 --> 00:34:42.360 RZI when they removed you. They had to have had 654 00:34:42.440 --> 00:34:49.639 some kind of a hearing. You open, you open probate, 655 00:34:49.840 --> 00:34:54.239 You opened probate, and what was your first duty and probate. 656 00:34:54.280 --> 00:35:04.079 What did you do when you open probate for your mother? 657 00:35:04.280 --> 00:35:06.559 What did you do? What was your first action? 658 00:35:07.800 --> 00:35:13.679 I got an attorney and then what, Oh my god 659 00:35:14.960 --> 00:35:17.360 yet dyeing and paper? 660 00:35:22.000 --> 00:35:26.800 Okay, you know what one of the problems we're gonna have, 661 00:35:26.920 --> 00:35:29.320 and I'm just gonna be straight like I have been lately. 662 00:35:30.480 --> 00:35:32.840 ARSI doesn't even understand what the hell's going on. 663 00:35:33.079 --> 00:35:37.239 Okay, I'd like to ask Dan McKenzie about structure and 664 00:35:37.360 --> 00:35:38.559 procedure after this. 665 00:35:39.079 --> 00:35:41.960 Forget RSI right now. ARSI doesn't know what the hell's 666 00:35:42.000 --> 00:35:46.800 going on. Go with a sure thing Denver's Best roofer 667 00:35:46.920 --> 00:35:49.840 Excel Roofing dot com. You don't pay a cent until 668 00:35:49.840 --> 00:35:56.320 you're content. Time for an insurance check up free, no obligation. 669 00:35:56.360 --> 00:35:59.920 In comparison, call Compass Insurance paying too much your cover 670 00:36:00.199 --> 00:36:02.840 at dozens of insurance companies find out now three all 671 00:36:02.920 --> 00:36:05.400 three seven seven to one help. You'll think you're his 672 00:36:05.519 --> 00:36:08.159 only customer when you choose Frank durand the Real estate 673 00:36:08.199 --> 00:36:11.440 Man dot com to list your home with Remax Alliance 674 00:36:11.679 --> 00:36:14.119 three all three nine two zero sixteen twenty two. 675 00:36:19.679 --> 00:36:25.320 Ripped. You need advice who you don't have the. 676 00:36:27.239 --> 00:36:33.159 Come running Jesus as the kid show, Shooter's Gonna help come. 677 00:36:33.440 --> 00:36:40.159 Man six is the Troubleshooter Show. Now, Tom Martinez, Hey. 678 00:36:40.039 --> 00:36:40.840 That is me. 679 00:36:41.119 --> 00:36:45.760 I am here along with Major, Mark Major and the 680 00:36:46.039 --> 00:36:49.000 gang back at the studio. I'm at the I'm at 681 00:36:49.039 --> 00:36:53.239 the Sister Ship and we are here fighting for you. 682 00:36:53.320 --> 00:36:56.480 Welcome to the show. Brian Burns with some Compass insurance group. 683 00:36:56.639 --> 00:36:57.119 And I got to. 684 00:36:57.119 --> 00:36:59.599 Remind you because we've had so many calls in between. 685 00:37:00.679 --> 00:37:05.559 We are doing insurance checkups. So if you call three 686 00:37:05.599 --> 00:37:09.679 oh three nine nine to six nine thousand, their main line, 687 00:37:10.199 --> 00:37:13.320 they do the insurance checkups all the time and they 688 00:37:13.360 --> 00:37:16.159 have the Insurancehelpcenter dot com. But during this show, we 689 00:37:16.280 --> 00:37:20.440 like to highlight things that you have in your insurance 690 00:37:20.480 --> 00:37:23.639 that maybe you don't need, or maybe you're under insured, 691 00:37:23.760 --> 00:37:26.800 or maybe you need to drop this or add this. 692 00:37:26.960 --> 00:37:29.880 And what we do is a checkup basically and then 693 00:37:29.920 --> 00:37:32.360 see if we can save you money. About eighty five 694 00:37:32.360 --> 00:37:34.039 percent of the time we can save you money. But 695 00:37:34.079 --> 00:37:36.920 they're they're honest if they can't save you money. So 696 00:37:36.960 --> 00:37:38.920 I just want to know if they have any examples 697 00:37:39.000 --> 00:37:41.199 right now. If not, we can move on, because again 698 00:37:41.519 --> 00:37:44.679 I haven't been promoting it that much. But call three 699 00:37:44.679 --> 00:37:46.880 oh three nine niney six nine thousand and say, look, 700 00:37:47.159 --> 00:37:48.239 take a look at my coverage. 701 00:37:48.320 --> 00:37:51.320 Let me know if I can save some money. Anything 702 00:37:51.320 --> 00:37:52.159 going on ran. 703 00:37:52.800 --> 00:37:55.400 We have some that are being quoted. I don't have 704 00:37:55.440 --> 00:37:57.039 any examples called okay, good, so. 705 00:37:57.159 --> 00:37:58.159 All right, fine? 706 00:37:58.280 --> 00:38:02.559 Now I heard Deputy Bow asking some questions about various 707 00:38:02.599 --> 00:38:05.840 types of coverages when it comes to cars, and a 708 00:38:05.840 --> 00:38:08.440 lot of people confuse coverages. 709 00:38:08.679 --> 00:38:10.000 And I want to make something clear. 710 00:38:10.599 --> 00:38:12.400 If you have a new car or a car with 711 00:38:12.480 --> 00:38:13.840 a loan on it, you're required to. 712 00:38:13.800 --> 00:38:20.840 Have collision coverage. And collision coverage is obviously for the 713 00:38:20.960 --> 00:38:25.599 car itself, collision coverage. So if you have a car. 714 00:38:25.440 --> 00:38:31.880 Financed, you're required to have collision coverage. Now, if your 715 00:38:31.960 --> 00:38:36.760 car is not financed or it's older, you may choose 716 00:38:36.840 --> 00:38:42.239 to drop collision coverage. And if that's the case, what 717 00:38:42.480 --> 00:38:49.280 people are confused about. Sometimes uninsured motorists does not cover 718 00:38:49.679 --> 00:38:52.119 the car, Is that right, Brian? 719 00:38:53.039 --> 00:38:56.880 Uninsured motorist bodily injury does not, But you can get 720 00:38:56.920 --> 00:39:01.519 what's called uninsured motorist property damage, and uninsured motors property 721 00:39:01.559 --> 00:39:06.199 damage would cover the car only for the specific incident 722 00:39:06.280 --> 00:39:09.480 where someone hitch hits the car that does not have insurance. 723 00:39:10.199 --> 00:39:12.199 And by the way, that could be a good part 724 00:39:12.199 --> 00:39:14.719 of the time because so many people are don't have 725 00:39:14.880 --> 00:39:19.639 insurance or are under insured nowadays. So it's called uninsured 726 00:39:19.760 --> 00:39:22.079 motorist property damage. 727 00:39:22.119 --> 00:39:23.960 Is That's what it's called. That's what it's called. 728 00:39:24.039 --> 00:39:28.039 And just to clarify though, what people think sometimes will 729 00:39:28.239 --> 00:39:30.360 that where that will cover them as a hit and run, 730 00:39:30.440 --> 00:39:32.480 like someone just hits and takes off of their car, 731 00:39:32.599 --> 00:39:35.440 is hit in the parking lot. That is not necessarily 732 00:39:35.440 --> 00:39:39.199 the definition of someone being uninsured. So it really needs 733 00:39:39.280 --> 00:39:42.199 to be that someone does not have insurance and they 734 00:39:42.280 --> 00:39:44.360 hit your car and does and do damage. 735 00:39:44.079 --> 00:39:48.159 Toured and then pay insurance. 736 00:39:48.719 --> 00:39:50.840 You got one hundred thousand dollars car and they only 737 00:39:50.880 --> 00:39:52.639 have twenty five thousand worth your. 738 00:39:52.880 --> 00:39:56.599 Ensured motorist property damage. It's truly, it's not undur insured 739 00:39:56.679 --> 00:40:00.880 motorist property damage. It's uninsured motoris horrible coverage. 740 00:40:00.960 --> 00:40:04.400 Wow, bo It asked about medpay coverage and what medpay 741 00:40:04.480 --> 00:40:08.920 coverage is as opposed to a different what what were 742 00:40:09.000 --> 00:40:11.599 you comparing, bo You wanted to know the difference. 743 00:40:11.639 --> 00:40:14.880 Yeah, I just wanted to know the real difference in 744 00:40:15.639 --> 00:40:21.079 definition of medical pay unassured motors and are these separate 745 00:40:21.440 --> 00:40:22.960 addendums that go. 746 00:40:23.199 --> 00:40:27.039 Well, first of all, medpay pays whether they're insured or not, 747 00:40:27.760 --> 00:40:32.800 and uninsured motorists coverage Just just to to to summarize, 748 00:40:32.800 --> 00:40:36.400 this is for pain and suffering claims only, not. 749 00:40:36.400 --> 00:40:39.719 For medical bills. Is that right? But then that's a 750 00:40:39.760 --> 00:40:40.639 pretty good description. 751 00:40:40.760 --> 00:40:43.480 Yeah, medical payments is really there to provide you and 752 00:40:43.519 --> 00:40:45.639 like you said, it's a no fault type of coverage, 753 00:40:45.719 --> 00:40:48.440 so yeah, it will pay no matter what. And it's 754 00:40:48.480 --> 00:40:51.599 to pay for things like you know, hospital bills, those 755 00:40:51.679 --> 00:40:56.320 kind of things, whereas unassured motorists is more to provide 756 00:40:56.360 --> 00:40:59.199 you know, loss of work, loss of enjoyment, pain and suffering. 757 00:40:59.360 --> 00:41:01.599 Just like you said, yep, okay, Now I want to 758 00:41:01.599 --> 00:41:04.480 go back to Dan McKenzie. Dan, we get this all 759 00:41:04.519 --> 00:41:04.960 the time. 760 00:41:05.480 --> 00:41:09.119 People are personal representative and then they're removed. 761 00:41:10.320 --> 00:41:11.519 What is the normal? 762 00:41:11.559 --> 00:41:14.119 I'm not talking about Rz's case because r Z doesn't 763 00:41:14.199 --> 00:41:18.039 understand what happened. He said there was no hearing, and 764 00:41:18.119 --> 00:41:20.239 I assure you there was a hearing, and Dan, you 765 00:41:20.320 --> 00:41:22.239 know there was a hearing. He just didn't know about 766 00:41:22.280 --> 00:41:25.280 the hearing. Oh wait, is Dan McKenzie off the line 767 00:41:25.360 --> 00:41:25.800 right now. 768 00:41:26.159 --> 00:41:29.360 I'm trying to get him back. If you can quickly, 769 00:41:29.400 --> 00:41:30.280 that would be fine. 770 00:41:30.519 --> 00:41:33.599 Is ours still on the line, because I just what 771 00:41:33.639 --> 00:41:36.320 I need for ours to do is basically give us 772 00:41:36.320 --> 00:41:39.239 a case number. So just get a case number from 773 00:41:39.320 --> 00:41:42.719 him again. People, I want to make something very clear. 774 00:41:43.559 --> 00:41:47.760 As an interested party in an estate, when you open probate, 775 00:41:47.800 --> 00:41:53.239 you have certain responsibilities. Okay, you must do certain things. 776 00:41:53.599 --> 00:41:55.960 One of them is to read the will. Another one 777 00:41:56.400 --> 00:42:00.480 is to just take assessment of the property and what 778 00:42:00.559 --> 00:42:04.280 the estate owns, and then if you have any doubts 779 00:42:04.320 --> 00:42:07.480 you hire an attorney to help you. There will always 780 00:42:07.559 --> 00:42:11.800 be hearing your capability if any of the heirs or 781 00:42:11.920 --> 00:42:16.159 interested parties think you're doing something wrong. I want to 782 00:42:16.199 --> 00:42:18.480 move on to another call now. Bill has an issue 783 00:42:18.480 --> 00:42:22.079 with a bank account. Hello Bill, I'm Tom Martino. What's 784 00:42:22.119 --> 00:42:22.920 going on with you? 785 00:42:23.039 --> 00:42:23.320 Bill? 786 00:42:24.880 --> 00:42:26.480 Good morning, Tom, Nice to talk to you. 787 00:42:27.079 --> 00:42:28.159 Thank you. What's happening. 788 00:42:29.079 --> 00:42:33.760 Well, my wife was found out with brain cancer a 789 00:42:33.840 --> 00:42:38.719 couple of years ago, and she had laser surgery the 790 00:42:38.760 --> 00:42:41.639 first of May. But she still got bills and need 791 00:42:41.639 --> 00:42:43.079 to be paid, and I'm just trying to figure out 792 00:42:43.079 --> 00:42:45.159 how to get into her bank account because I'm not 793 00:42:45.199 --> 00:42:46.800 on it, and how to get into it so I 794 00:42:46.800 --> 00:42:49.519 can access her account and make okay? 795 00:42:49.800 --> 00:42:52.639 Or Bill, is she incapacitated right now? 796 00:42:53.599 --> 00:42:53.840 Yeah? 797 00:42:53.840 --> 00:42:54.400 Pretty much. 798 00:42:55.480 --> 00:43:00.199 You have to be appointed basically her guardian at light 799 00:43:00.320 --> 00:43:05.280 the correct Have you been appointed her guardian yet? 800 00:43:05.960 --> 00:43:06.719 Okay? 801 00:43:06.920 --> 00:43:07.159 Joah? 802 00:43:07.280 --> 00:43:10.000 Then we will need we will need Dan McKenzie again 803 00:43:10.079 --> 00:43:11.159 for this one for sure. 804 00:43:11.599 --> 00:43:14.119 But Bill, may I asked you a question. She was 805 00:43:14.159 --> 00:43:15.400 diagnosed when. 806 00:43:17.079 --> 00:43:20.920 She was diagnosed back in February twenty. 807 00:43:20.639 --> 00:43:24.960 Three, okay? And and what did she have? 808 00:43:25.000 --> 00:43:25.480 A tumor? 809 00:43:26.679 --> 00:43:29.480 She has three of them in her brain, the two 810 00:43:29.480 --> 00:43:31.199 in the frontal right low and one in the back. 811 00:43:31.280 --> 00:43:35.079 But they did laser surgery the sixth of May this 812 00:43:35.199 --> 00:43:38.679 year to try and relieve that, and it didn't know 813 00:43:38.840 --> 00:43:40.519 the way we were anticipating. 814 00:43:41.400 --> 00:43:42.400 Did it help at all? 815 00:43:43.280 --> 00:43:43.440 Oh? 816 00:43:45.519 --> 00:43:47.639 Okay? Is chemo helping at all? Bill? 817 00:43:48.599 --> 00:43:49.400 She's off a chemo. 818 00:43:49.599 --> 00:43:52.039 She was doing what do you want to call it? 819 00:43:53.039 --> 00:43:53.159 Uh? 820 00:43:53.320 --> 00:43:55.360 Some kind of immune therapy is what she was doing. 821 00:43:55.719 --> 00:43:56.320 That took care. 822 00:43:56.480 --> 00:44:03.920 It's called it's called immunotherapy, right right? But she was hot? Yeah, 823 00:44:04.639 --> 00:44:09.639 you know, you know, you know, cancer is near and 824 00:44:09.639 --> 00:44:13.000 dear to my hearts, of course, obviously, Uh, being a 825 00:44:13.079 --> 00:44:17.199 cancer right now, survivor so far, you guys should have 826 00:44:17.280 --> 00:44:20.000 had a durable power of attorney or something set up. 827 00:44:20.519 --> 00:44:23.599 Yeah, now, Mark, do you have something set up like that? 828 00:44:23.719 --> 00:44:27.840 Now? Do you have something right now? In places I don't? 829 00:44:29.440 --> 00:44:30.760 Yeah, yeah, we. 830 00:44:30.559 --> 00:44:33.239 Were really expecting this to happen because it was. 831 00:44:33.239 --> 00:44:34.320 Only no I know. 832 00:44:34.559 --> 00:44:36.760 And that's exactly, by the way, why you have it 833 00:44:36.840 --> 00:44:39.400 set up is because you don't expect anything. But let's 834 00:44:39.440 --> 00:44:42.920 get We'll get Dan McKenzie back on to discuss what 835 00:44:43.079 --> 00:44:46.519 to do now, because there is a procedure that you 836 00:44:46.679 --> 00:44:48.559 go through now to get control. 837 00:44:49.039 --> 00:44:51.559 Is she with it at all? Does she have her 838 00:44:51.599 --> 00:44:52.400 wits about her? 839 00:44:53.119 --> 00:44:56.719 Well, she's in a Uh she just got out of 840 00:44:56.760 --> 00:45:01.519 the hospital I'm gonna say probably the thirteenth of June 841 00:45:01.559 --> 00:45:03.039 and they put her in a rehab center. 842 00:45:04.000 --> 00:45:04.719 What is she? 843 00:45:05.159 --> 00:45:09.199 Is she cognitive or is she considered incapacitated? 844 00:45:09.519 --> 00:45:11.079 Well, she's not incapacitated. 845 00:45:11.079 --> 00:45:13.239 I wouldn't say, because you can when you can get 846 00:45:13.239 --> 00:45:16.079 her to wake up, she will foct you with a 847 00:45:16.159 --> 00:45:19.239 one verbal yes. No, I don't know. 848 00:45:20.079 --> 00:45:23.360 And but she really is not She really is not 849 00:45:23.559 --> 00:45:25.639 legally competent, is what you're saying. 850 00:45:26.079 --> 00:45:26.480 Correct. 851 00:45:26.480 --> 00:45:29.840 She's just laying in bed right now. She can't even move. 852 00:45:29.880 --> 00:45:32.400 I mean she moves her arms and legs, but that's it. 853 00:45:32.440 --> 00:45:34.119 But they're trying to do rehab on her, trying to 854 00:45:34.119 --> 00:45:35.480 get her back where she can. 855 00:45:35.920 --> 00:45:39.039 Okay, Bill, I'm so sorry. I am so sorry you're 856 00:45:39.079 --> 00:45:42.519 going through this. Brother, I'm so sorry. My prayers are 857 00:45:42.559 --> 00:45:44.480 with you. Hang on, Bill, We're going to try to 858 00:45:44.480 --> 00:45:45.320 get McKenzie on. 859 00:45:46.719 --> 00:45:49.679 I want to remind everyone Compass Insurance Group is here 860 00:45:49.719 --> 00:45:53.559 and they are doing quotes or insurance reviews of what 861 00:45:53.599 --> 00:45:56.280 you have. Somebody has a question for you, Brian, on 862 00:45:56.519 --> 00:45:58.400 texting and insurance coverage. 863 00:45:58.599 --> 00:46:01.599 They want to know if your insurance. 864 00:46:01.079 --> 00:46:05.440 Company found out you were texting, would it affect your 865 00:46:05.639 --> 00:46:10.639 coverage of anything? If they found out you were texting, 866 00:46:10.760 --> 00:46:12.960 could it take away some coverages? 867 00:46:13.280 --> 00:46:14.119 No, it would not. 868 00:46:14.320 --> 00:46:17.280 It Just like if someone you know had made a 869 00:46:17.360 --> 00:46:20.119 bad decision to drink and drive and they get into 870 00:46:20.199 --> 00:46:22.800 an accident, your your insurance still covers you for that. 871 00:46:23.000 --> 00:46:25.239 Okay, gotcha, gotcha? Okay, thank you. 872 00:46:26.880 --> 00:46:31.119 That's insurance talk today with a Compass insurance group. They're 873 00:46:31.159 --> 00:46:33.760 doing comparisons at three h three nine nine six nine thousand. 874 00:46:33.880 --> 00:46:47.280 Margaret what's going on with your landscape er, Margaret, go 875 00:46:47.440 --> 00:46:51.159 with a sure thing Denver's Best roofer Excel Roofing dot com. 876 00:46:51.199 --> 00:46:56.920 You don't pay a cent until you're content. Time for 877 00:46:56.960 --> 00:47:00.719 an insurance checkup free, no obligation. In comparison all Compass 878 00:47:00.760 --> 00:47:04.039 insurance paying too much your coverage at dozens of insurance 879 00:47:04.039 --> 00:47:06.519 companies find out now three all three seven to seven 880 00:47:06.559 --> 00:47:06.800 to one. 881 00:47:06.920 --> 00:47:07.159 Help. 882 00:47:07.320 --> 00:47:09.960 You'll think you're his only customer when you choose Frank 883 00:47:10.039 --> 00:47:12.480 durand the real estate Man dot com to list your 884 00:47:12.519 --> 00:47:16.159 home with Remax Alliance three three nine two zero sixteen 885 00:47:16.239 --> 00:47:19.840 twenty two. 886 00:47:20.559 --> 00:47:27.559 Hi Tom Martino here. You know life is complicated, Bill. 887 00:47:28.880 --> 00:47:29.559 Here's the deal. 888 00:47:31.679 --> 00:47:36.480 You're going to need to get an attorney's help to 889 00:47:36.519 --> 00:47:39.679 get this done properly. You may have to have the 890 00:47:39.760 --> 00:47:44.719 courts declare your wife legally incompetent and then have them 891 00:47:44.719 --> 00:47:48.199 appoint you in order to do this. Now, Deputy Doc 892 00:47:48.360 --> 00:47:51.199 was saying, if you could get her lucid enough to 893 00:47:51.320 --> 00:47:53.800 sign something in front of a notary, that might work. 894 00:47:53.920 --> 00:47:57.320 And by the way, it may work, Okay, it depends 895 00:47:57.360 --> 00:47:58.880 on how lucid she is. 896 00:47:59.519 --> 00:48:04.119 I mean, if she can only utter syllables or short words. 897 00:48:04.719 --> 00:48:07.679 And she understands when you're talking to her. I mean, 898 00:48:07.719 --> 00:48:08.920 you can talk to her and see you. 899 00:48:09.039 --> 00:48:12.159 Okay, Then you may want to try something. You may 900 00:48:12.199 --> 00:48:14.280 want to try something as simple as that with a 901 00:48:14.360 --> 00:48:17.719 durable power of returning. But I would call Dan McKenzie. 902 00:48:17.760 --> 00:48:20.360 For some reason, Kachina, we're not getting him on the 903 00:48:20.400 --> 00:48:23.760 air again, so apparently he's not there. But let me 904 00:48:23.840 --> 00:48:28.360 give you his phone number, sure, Dan, Dan McKenzie. It's 905 00:48:28.519 --> 00:48:31.920 eight three three. I'm just giving this because it's the 906 00:48:32.039 --> 00:48:38.159 easiest one to remember. A three three co plans, Okay, 907 00:48:38.360 --> 00:48:41.039 just you just spell that out on the keyboard and 908 00:48:41.079 --> 00:48:45.320 there's one extra. Okay, So it's eight three three co plans. 909 00:48:45.639 --> 00:48:50.639 His website is coplans dot co. He can really help you, 910 00:48:50.960 --> 00:48:53.440 and he's uh, he's a good guy for stuff like 911 00:48:53.480 --> 00:48:55.280 this because he can do as little or as much 912 00:48:55.320 --> 00:48:56.239 as you need him to do. 913 00:48:56.599 --> 00:48:58.840 He's just not available right now. I think he had some. 914 00:48:58.880 --> 00:49:03.920 Court or some some meetings, some legal meetings. So in 915 00:49:03.960 --> 00:49:07.760 any case, that's that's the good a good place to start. 916 00:49:07.840 --> 00:49:11.559 Call us with anything else you need. But you may 917 00:49:11.599 --> 00:49:14.679 want to try the simple route first. That's a pretty 918 00:49:14.679 --> 00:49:15.920 good suggestion. Okay. 919 00:49:16.159 --> 00:49:19.360 Now I want to talk to Margaret about a landscaper. 920 00:49:20.559 --> 00:49:25.599 Margaret, what is going on? What's happening? Let's talk. 921 00:49:26.880 --> 00:49:28.800 A lot of thanks for taking my call. 922 00:49:29.440 --> 00:49:30.199 What's going on? 923 00:49:30.360 --> 00:49:31.920 I did what you said? 924 00:49:33.079 --> 00:49:35.719 Now you you did what I said? Did you call 925 00:49:35.840 --> 00:49:36.840 before Margaret? 926 00:49:38.000 --> 00:49:38.079 No? 927 00:49:38.239 --> 00:49:41.320 I have not, But I did what you shay not 928 00:49:41.599 --> 00:49:45.800 to do. And I gave this guy the money upfront. 929 00:49:46.639 --> 00:49:48.119 Oh how much did you pay up front? 930 00:49:49.760 --> 00:49:51.920 Eight five? 931 00:49:52.400 --> 00:49:58.679 Oh lord? What what was he going to do? What 932 00:49:58.760 --> 00:49:59.400 was he going to do? 933 00:50:00.000 --> 00:50:00.800 Forty five? 934 00:50:01.840 --> 00:50:05.559 He was going to fence the front of our property. 935 00:50:06.119 --> 00:50:08.480 But why did he need so much money upfront? 936 00:50:11.960 --> 00:50:14.960 I to finish the job that he had her? 937 00:50:16.960 --> 00:50:19.000 Yeah, he said materials. Okay. 938 00:50:19.159 --> 00:50:21.559 So did you get anything for that money at all? 939 00:50:21.679 --> 00:50:22.440 Anything at all? 940 00:50:24.000 --> 00:50:26.480 I have one hundred and sixty holes drilled. 941 00:50:29.079 --> 00:50:30.760 And who did you pay this money to? 942 00:50:33.360 --> 00:50:37.199 The business name is Country Roots Design and. 943 00:50:37.119 --> 00:50:47.000 Build, Country Roofs Roots Roots Okay, design and build, Design 944 00:50:47.320 --> 00:50:48.039 in and Build. 945 00:50:48.920 --> 00:50:49.360 Okay. 946 00:50:49.480 --> 00:50:54.320 My name is Chance where I don't know how to 947 00:50:54.360 --> 00:50:54.639 say it. 948 00:50:54.840 --> 00:50:58.239 W E y E R where? 949 00:50:58.519 --> 00:51:00.559 Yeah? Chance? Okay? 950 00:51:01.000 --> 00:51:05.639 And how did you find him? 951 00:51:06.039 --> 00:51:11.559 There was a new sign advertising up on the intersection 952 00:51:11.840 --> 00:51:16.039 of Delbert and County Line. 953 00:51:15.119 --> 00:51:17.880 And so you see a new sign, and you figure what, 954 00:51:18.599 --> 00:51:21.639 let's take a chance. Was it a cardboard sign or 955 00:51:21.639 --> 00:51:22.440 a wood sign? 956 00:51:23.880 --> 00:51:27.000 No, it was a metal sign of oh okay, there. 957 00:51:26.920 --> 00:51:32.280 Signs up there. And I had gotten a previous estimate 958 00:51:32.400 --> 00:51:37.119 from another company that was so out of line it 959 00:51:37.199 --> 00:51:40.559 was pitiful. So I waited a couple months and then 960 00:51:40.599 --> 00:51:43.119 decided to check his prices. 961 00:51:44.159 --> 00:51:50.320 Okay, Now what does he say about getting how many 962 00:51:50.400 --> 00:51:51.679 drill holes were drilled? 963 00:51:52.880 --> 00:51:53.920 One hundred and sixty? 964 00:51:54.719 --> 00:51:58.480 So it does look like he was attempting to do something. 965 00:51:58.760 --> 00:52:01.079 So did you ask out of what? When was the 966 00:52:01.159 --> 00:52:02.960 last time he was on the job. 967 00:52:04.880 --> 00:52:06.719 The fifteenth of May? 968 00:52:07.199 --> 00:52:10.000 Oh my god? And what does he say about it? 969 00:52:11.599 --> 00:52:14.679 Well, now he doesn't. He's ghosting me. He doesn't return 970 00:52:16.599 --> 00:52:18.320 or phone calls. 971 00:52:18.320 --> 00:52:23.599 Oh man, do you know have you gone online and 972 00:52:23.639 --> 00:52:27.440 done any research on this guy? 973 00:52:27.639 --> 00:52:31.039 I did, and there was a couple of bad comments, 974 00:52:31.079 --> 00:52:33.800 and then there were a couple of okay comments. 975 00:52:34.199 --> 00:52:36.800 So there's nothing that's glaring that sticks out. 976 00:52:36.920 --> 00:52:37.079 Right. 977 00:52:37.119 --> 00:52:38.039 Now, where's he out of? 978 00:52:40.320 --> 00:52:43.239 I think he is out of deer trail? But I'm 979 00:52:43.239 --> 00:52:44.199 not positive. 980 00:52:46.440 --> 00:52:48.920 Okay, So what do you have? 981 00:52:49.000 --> 00:52:52.400 Their deputy d Country Roots, Design and build Out an 982 00:52:52.440 --> 00:52:55.239 Elizabeth Elizabeth do you think that's the same place. 983 00:52:55.360 --> 00:52:58.360 Probably, okay, probably. 984 00:52:57.880 --> 00:53:00.639 Well that's where I am. But he said he moved 985 00:53:01.679 --> 00:53:04.679 further out, so I'm guessing it with bear trail. 986 00:53:06.280 --> 00:53:08.280 You don't give a street or a mailing any Yes, 987 00:53:08.400 --> 00:53:09.639 it just says Elizabeth. 988 00:53:09.719 --> 00:53:15.400 So now here's the thing. Does his number still work? 989 00:53:15.440 --> 00:53:15.800 Do you know? 990 00:53:17.559 --> 00:53:17.840 Yes? 991 00:53:18.119 --> 00:53:19.719 Yes, I get voicemails. 992 00:53:20.239 --> 00:53:24.599 Okay, let's call right now, Kaschina. Let's call this guy 993 00:53:24.760 --> 00:53:27.920 and leave a really stern message. You know, the contractors 994 00:53:27.920 --> 00:53:30.360 trust act, et cetera, et cetera. 995 00:53:31.119 --> 00:53:37.559 How many times people? How many times do we have 996 00:53:37.639 --> 00:53:38.199 to hear this? 997 00:53:39.159 --> 00:53:43.159 How many times? Why? Why would you give anyone money 998 00:53:43.199 --> 00:53:44.840 for nothing? Why? 999 00:53:45.519 --> 00:53:48.039 If you're a contractor. Right now, I am telling you, 1000 00:53:48.760 --> 00:53:52.199 I'm advising my people. Even if you're on my referral list, 1001 00:53:52.679 --> 00:53:56.960 it doesn't matter. I am personally telling people don't put 1002 00:53:57.000 --> 00:53:57.519 money down. 1003 00:53:57.599 --> 00:53:57.840 Now. 1004 00:53:58.239 --> 00:54:01.800 Can you trust people? Some of them? You can. I'm 1005 00:54:01.840 --> 00:54:04.920 not telling you you're gonna get ripped off one of 1006 00:54:05.000 --> 00:54:06.000 the time. Of course you're not. 1007 00:54:06.519 --> 00:54:09.199 There are people on a referral list that probably want 1008 00:54:09.239 --> 00:54:09.840 money down. 1009 00:54:10.360 --> 00:54:13.320 I say, don't pay money down. That's what I say. 1010 00:54:13.519 --> 00:54:17.440 Now, there are ways to pay money down in a 1011 00:54:17.559 --> 00:54:20.800 safer way than others, and at least use those if 1012 00:54:20.800 --> 00:54:23.400 it's a company that you know and trust. I mean, 1013 00:54:23.480 --> 00:54:26.679 you know, given walls some money down is not a 1014 00:54:26.679 --> 00:54:31.840 big deal, but given some some Joe blow eight dollars 1015 00:54:31.880 --> 00:54:32.559 you never meted. 1016 00:54:32.760 --> 00:54:35.360 But even people that we know and love, like smaller 1017 00:54:35.400 --> 00:54:36.599 companies Mark, Well, that's. 1018 00:54:36.480 --> 00:54:38.800 The guy gets hit by a truck. Though that's fine. 1019 00:54:38.920 --> 00:54:41.440 There people are vouching for him. This is like a 1020 00:54:41.519 --> 00:54:42.639 complete stranger. 1021 00:54:43.440 --> 00:54:46.360 No, you're right, you're right. It's just it just doesn't 1022 00:54:46.400 --> 00:54:47.280 make any sense. 1023 00:54:48.920 --> 00:54:50.800 Was there a contract by any chance? 1024 00:54:51.239 --> 00:54:53.920 Yeah, oh that's a good. Okay, you do have a 1025 00:54:53.920 --> 00:54:54.800 written contract. 1026 00:54:55.159 --> 00:54:57.599 And how did you pay with a checker credit card? 1027 00:55:00.039 --> 00:55:04.360 Let's say check because there was a discount for cash. 1028 00:55:03.920 --> 00:55:07.119 Of course, of course. Okay, hold on and we'll come 1029 00:55:07.199 --> 00:55:09.519 right back to you. Okay, uh, well not right back 1030 00:55:09.559 --> 00:55:11.719 to you, but we're going to discuss this and more 1031 00:55:12.039 --> 00:55:13.119 on The Troubleshooter Show. 1032 00:55:13.159 --> 00:55:15.800 Three O three seven one three A two five five. 1033 00:55:20.320 --> 00:55:23.559 Go with a sure thing Denver's Best Roofer Excel roofing 1034 00:55:23.679 --> 00:55:24.239 dot com. 1035 00:55:24.280 --> 00:55:26.280 You don't pay a cent until you're content. 1036 00:55:27.880 --> 00:55:32.159 Wait time for an insurance check up, free no obligation 1037 00:55:32.280 --> 00:55:36.159 comparison call Compass insurance paying too much your coverage at 1038 00:55:36.199 --> 00:55:38.920 dozens of insurance companies. Find out now three oh three 1039 00:55:39.079 --> 00:55:41.679 seven seven to one help. You'll think you're his only 1040 00:55:41.760 --> 00:55:44.239 customer when you choose Frank durand the real estate man 1041 00:55:44.280 --> 00:55:47.679 dot com to list your home with Remax Alliance three 1042 00:55:47.760 --> 00:55:55.320 oh three nine two zero sixteen twenty two. Hi Tom 1043 00:55:55.320 --> 00:55:57.880 Martino here three O three seven one three talk seven 1044 00:55:57.880 --> 00:55:59.559 one three eight two five five. Micael has an issue 1045 00:55:59.559 --> 00:56:02.519 with a roof company. Michael, what's going on with you? 1046 00:56:02.840 --> 00:56:09.719 Welcome? Hello, Yeah, Michael, what's happening? 1047 00:56:10.239 --> 00:56:12.800 And by the way, on that other one, we're having 1048 00:56:12.880 --> 00:56:15.119 a Kachina call to see if we can get this 1049 00:56:15.159 --> 00:56:18.000 guy on the on the phone or or get some information, 1050 00:56:18.440 --> 00:56:20.440 So so don't go away on that one, that guy 1051 00:56:20.440 --> 00:56:22.719 that took eighty four hundred and then we'll we'll have 1052 00:56:22.760 --> 00:56:23.639 an update from. 1053 00:56:23.639 --> 00:56:26.920 Uh yeah, and I contacted them on their website too, so. 1054 00:56:26.840 --> 00:56:29.199 Okay, thanks, and then Deputy D is going to give 1055 00:56:29.280 --> 00:56:31.440 us what he found on them. Okay, So what's happening 1056 00:56:31.440 --> 00:56:32.639 with you? Man? What's going on? 1057 00:56:34.480 --> 00:56:36.960 There's just kind of a long drawn out story. 1058 00:56:37.039 --> 00:56:39.480 All right, start from the beginning, and and I'll speed 1059 00:56:39.519 --> 00:56:40.519 you along if I need to. 1060 00:56:40.599 --> 00:56:41.719 But what happened? Go ahead? 1061 00:56:41.760 --> 00:56:48.159 From the beginning, oh Uhri told me that let me 1062 00:56:48.639 --> 00:56:50.360 take some freeze away from the roof, that I had 1063 00:56:50.440 --> 00:56:54.320 soft spots. I looked around for Rufford on Google and 1064 00:56:54.440 --> 00:56:57.079 he helped found the top rated. 1065 00:56:57.719 --> 00:57:00.480 May I ask something, what was your reason? What was 1066 00:57:00.519 --> 00:57:03.280 your reason for having your roof looked at? To begin with? 1067 00:57:05.400 --> 00:57:07.400 They told me there was to spots on the roof. 1068 00:57:08.159 --> 00:57:11.440 I understand that, but that wait wait, wait, but before 1069 00:57:11.519 --> 00:57:14.719 someone tells you there are soft spots on the roof, 1070 00:57:15.840 --> 00:57:18.639 you had to call someone for what reason? Was it 1071 00:57:18.679 --> 00:57:23.119 a hailstorm? 1072 00:57:23.159 --> 00:57:25.440 They say, also hailed down? So yes, there was a 1073 00:57:25.440 --> 00:57:31.760 hailstorm my previous couple of months to that. Okay, go ahead, okay, 1074 00:57:31.800 --> 00:57:35.079 well let me call let me look at a roofer 1075 00:57:35.079 --> 00:57:35.960 and see what they say? 1076 00:57:36.079 --> 00:57:36.280 You know? 1077 00:57:36.800 --> 00:57:40.760 Okay, gotcha? Now I gotcha? Okay, gotcha. 1078 00:57:41.440 --> 00:57:44.519 Aaron Tucker comes out and he inspects the roof and 1079 00:57:44.639 --> 00:57:50.039 confirms saying this with file of insurance plane. So I 1080 00:57:50.079 --> 00:57:53.000 filed an insurance plane. The adjuster came out of greed 1081 00:57:53.800 --> 00:57:58.039 that they would go ahead and help it for the roof. 1082 00:57:58.079 --> 00:57:59.920 They they estimated, Ut, what do you mean? 1083 00:58:00.119 --> 00:58:00.679 What do you mean? 1084 00:58:00.800 --> 00:58:03.119 Help pay for the roof? What does that mean? So 1085 00:58:03.159 --> 00:58:05.840 you had a hailstorm a roofer said there were soft 1086 00:58:05.920 --> 00:58:12.000 spots on his roof, and the insurance adjuster what approved 1087 00:58:12.000 --> 00:58:14.079 the claim? 1088 00:58:14.280 --> 00:58:14.719 Correct? 1089 00:58:15.360 --> 00:58:19.000 For how much? Oh? 1090 00:58:19.079 --> 00:58:21.639 They said it was going to be about twelve thousand 1091 00:58:21.880 --> 00:58:25.199 and their part, they sent me a check for eight thousand, 1092 00:58:25.280 --> 00:58:28.719 nine dollars and seventeen cents and that I would be 1093 00:58:28.800 --> 00:58:31.880 responsible for the remainder per mind, got it? The deduct 1094 00:58:31.880 --> 00:58:33.079 the bowl or whatever. 1095 00:58:33.800 --> 00:58:36.800 And so I called Rocky Coffees. 1096 00:58:36.440 --> 00:58:39.400 And everything's been approved and I have a check. He 1097 00:58:39.559 --> 00:58:42.639 comes back out, has me signed a contract? 1098 00:58:44.519 --> 00:58:46.679 And what's the name of this roof? Wait, what's the 1099 00:58:46.760 --> 00:58:47.880 name of the roof for? Again? 1100 00:58:49.840 --> 00:58:51.440 Fucking pop roofing? 1101 00:58:53.119 --> 00:58:56.360 Okay, you're you're breaking up for summer? Guys, can you 1102 00:58:56.400 --> 00:58:59.920 hear what he's saying most of it? Well, what's the 1103 00:59:00.159 --> 00:59:00.760 name of the roof for? 1104 00:59:00.840 --> 00:59:06.400 Then that I did not hear? Rocky Top? Is it 1105 00:59:06.639 --> 00:59:07.840 Rocky Top? 1106 00:59:08.880 --> 00:59:09.239 Okay? 1107 00:59:09.360 --> 00:59:12.880 God, that's a horrible name for a roofer, right, Okay, 1108 00:59:13.000 --> 00:59:13.599 Rocky Top? 1109 00:59:14.119 --> 00:59:17.639 All right? So then what keep going? So so he 1110 00:59:17.719 --> 00:59:23.199 came out and had you sign a contract. Yeah, that's 1111 00:59:23.239 --> 00:59:23.920 a good idea. 1112 00:59:24.159 --> 00:59:29.639 Then what he said I want that check. And uh, 1113 00:59:29.639 --> 00:59:31.440 so I signed the check over to him. 1114 00:59:32.719 --> 00:59:37.719 Why did you do that? Well, he said he wanted 1115 00:59:38.840 --> 00:59:39.320 Well what. 1116 00:59:39.360 --> 00:59:41.360 If you said he wanted What if he said he 1117 00:59:41.440 --> 00:59:43.320 wanted your wife? I mean, what difference does it make 1118 00:59:43.360 --> 00:59:47.000 what he wants? I mean, uh, it's he just said 1119 00:59:47.039 --> 00:59:47.920 I want the check. 1120 00:59:48.199 --> 00:59:49.360 Did you say for what? 1121 00:59:51.679 --> 00:59:51.800 Oh? 1122 00:59:51.880 --> 00:59:54.800 Yeah, you said for materials. And to get the thoughts started. 1123 00:59:54.920 --> 00:59:57.920 And okay, By the way, I want everyone to hear 1124 00:59:57.920 --> 01:00:00.519 this right down. I want everyone to hear this right now. 1125 01:00:01.239 --> 01:00:04.719 Any contractor who says they need money for materials, do 1126 01:00:04.840 --> 01:00:05.360 not use. 1127 01:00:05.639 --> 01:00:08.719 I am saying that unequivocally, do not use. 1128 01:00:08.880 --> 01:00:12.159 Any contractor that says they need your money to buy 1129 01:00:12.199 --> 01:00:16.440 materials Excel roofing, for example, wouldn't take a penny from 1130 01:00:16.480 --> 01:00:19.400 you when you sign that contract. So he said, I 1131 01:00:19.480 --> 01:00:22.199 need that check. How much was the check? The one 1132 01:00:22.199 --> 01:00:24.480 around eight grand? Is that the one you signed over 1133 01:00:24.519 --> 01:00:26.480 to him? 1134 01:00:26.559 --> 01:00:26.800 Yeah? 1135 01:00:27.039 --> 01:00:32.239 And then okay, I wrote a. 1136 01:00:32.239 --> 01:00:35.480 Personal check to him for okay, keep going. 1137 01:00:39.039 --> 01:00:46.840 Then he ghosted me, and of course he did, Yeah. 1138 01:00:45.760 --> 01:00:46.599 Hey, we've got it. 1139 01:00:46.679 --> 01:00:49.320 Let's get him on hold and let's get a better connection. 1140 01:00:49.440 --> 01:00:50.440 This is brutal man. 1141 01:00:51.480 --> 01:00:55.519 Yeah, you're right, we're really having difficulty. It might be 1142 01:00:55.559 --> 01:00:58.119 his bluetooth thing, but but let's do that. Let's get 1143 01:00:58.119 --> 01:01:01.199 a better connection. Hold on, we'll come right back to you. 1144 01:01:01.280 --> 01:01:03.039 I'm going to go to someone else right now. 1145 01:01:03.280 --> 01:01:06.039 Tim says he has a follow up and he was 1146 01:01:06.119 --> 01:01:12.000 working with Deputy Dmitri. This is a vacation, a vacation 1147 01:01:12.119 --> 01:01:12.639 by Tim. 1148 01:01:12.719 --> 01:01:15.480 Can you summarize what the problem was there, Dmitri? 1149 01:01:15.719 --> 01:01:15.920 Yeah. 1150 01:01:15.960 --> 01:01:18.800 Tim called us a couple of weeks ago because he 1151 01:01:19.480 --> 01:01:22.480 said that he purchased a time share. He went to 1152 01:01:22.559 --> 01:01:26.280 this hotel presentation presented by Moments of Adventure. 1153 01:01:26.360 --> 01:01:30.519 Remember that name, Moments of Adventure. Yeah, and I think 1154 01:01:30.519 --> 01:01:32.000 this might have been something Mark took. 1155 01:01:32.360 --> 01:01:34.800 Yeah, I thought you were here. But any case, so 1156 01:01:34.880 --> 01:01:37.679 he wrote a check for seventy nine hundred dollars and 1157 01:01:38.079 --> 01:01:40.920 changed his mind a few days later. 1158 01:01:41.079 --> 01:01:46.320 And oh, yeah, Moments of Adventure. It was a seminar 1159 01:01:46.440 --> 01:01:47.000 he went to. 1160 01:01:47.360 --> 01:01:50.239 Yeah, but he he gave him a check for almost 1161 01:01:50.280 --> 01:01:50.960 eight thousand bucks. 1162 01:01:51.000 --> 01:01:53.079 I saw a copy of seventy nine to ninety five 1163 01:01:53.199 --> 01:01:54.480 to Moments of Adventure. 1164 01:01:54.800 --> 01:01:56.159 And what did he get in return? 1165 01:01:56.280 --> 01:01:59.880 Well, it sounds like he got nothing. And unfortunately, you know, 1166 01:02:00.079 --> 01:02:02.880 Tim canceled payment on the wrong check, so Moments of 1167 01:02:02.920 --> 01:02:05.920 Adventure was able to get the eight thousand bucks. So 1168 01:02:06.840 --> 01:02:08.119 Moments of Adventure, what. 1169 01:02:08.280 --> 01:02:09.920 Was he supposed to get for that money? 1170 01:02:09.960 --> 01:02:13.159 Well, Tim thought he was buying a time share. But 1171 01:02:13.239 --> 01:02:15.280 the more research I did on it, the less it 1172 01:02:15.320 --> 01:02:17.760 looked like a timeshare. It kind of looked like some 1173 01:02:17.840 --> 01:02:21.960 kind of a weird travel agency membership where you're supposed 1174 01:02:22.000 --> 01:02:23.920 to Have you ever heard of this where you're supposed 1175 01:02:23.920 --> 01:02:25.199 to get discounted place? 1176 01:02:25.440 --> 01:02:27.760 Yeah, yeah, I did, of course I did. They're very common. 1177 01:02:27.800 --> 01:02:29.920 In fact, they're doing him instead of time shares on 1178 01:02:29.960 --> 01:02:32.760 some of them, and they proudly say we're not a timeshare. 1179 01:02:32.960 --> 01:02:35.400 But what I can't believe is this guy, not this guy, 1180 01:02:35.440 --> 01:02:38.760 but Tim, you know, like Tim's actually disappointed he didn't 1181 01:02:38.760 --> 01:02:43.119 get his time share, you know, so now we're timeshare 1182 01:02:43.119 --> 01:02:45.400 would have been just as bad. But anyway, just so 1183 01:02:45.480 --> 01:02:49.239 you know, these travel adventure clubs is what they are. 1184 01:02:49.760 --> 01:02:52.119 They come in all shapes and sizes. Keep going deep. 1185 01:02:52.159 --> 01:02:54.800 Oh well, unfortunately, Moments of Adventure has neither a phone 1186 01:02:54.880 --> 01:02:58.320 number in our address, so I couldn't get a hold 1187 01:02:58.360 --> 01:03:00.400 of them. But I did track down one or two 1188 01:03:00.480 --> 01:03:03.679 of their so called travel agents, and I found their 1189 01:03:03.719 --> 01:03:07.199 email addresses somewhere on the internet, and I've been mailing 1190 01:03:07.199 --> 01:03:10.239 them for emailing them for comment, and then Tim is 1191 01:03:10.239 --> 01:03:11.960 going to fill us in on some of the research 1192 01:03:12.039 --> 01:03:16.320 he did. He actually contacted the hotel where the seminar 1193 01:03:16.480 --> 01:03:18.119 was held, or the salesperson. 1194 01:03:17.639 --> 01:03:19.920 A good point, and what happened. 1195 01:03:19.480 --> 01:03:23.800 Out there's another company that booked that space at the hotel. 1196 01:03:24.199 --> 01:03:27.119 So Tim got me contact information for that other company 1197 01:03:27.159 --> 01:03:30.159 and some guy and his phone number and. 1198 01:03:30.440 --> 01:03:33.159 So who booked that space and was given that seminar. 1199 01:03:33.239 --> 01:03:34.159 Supposedly, this is a. 1200 01:03:34.159 --> 01:03:35.159 Good question for Tim. 1201 01:03:35.239 --> 01:03:38.519 Let's Tim, what did you find out? Tim? Let's go 1202 01:03:38.719 --> 01:03:40.199 what did you find out? 1203 01:03:41.320 --> 01:03:45.239 I need that information anyway? What it is? I found 1204 01:03:45.239 --> 01:03:50.079 out that American Savings Network out of time? Sure, like 1205 01:03:50.159 --> 01:03:53.119 you said, it was a basically a vacation thing. 1206 01:03:53.679 --> 01:03:56.320 And what is it called? American? What American? 1207 01:03:56.400 --> 01:04:00.280 What American Savings Network is? 1208 01:04:00.440 --> 01:04:01.239 Uh? 1209 01:04:01.559 --> 01:04:06.320 With Moments of Adventure. Uh, there's UH. I got a 1210 01:04:06.360 --> 01:04:10.360 call from a Brad from American Savings Network and he 1211 01:04:10.480 --> 01:04:13.159 turned around and now said he wanted to make this 1212 01:04:13.360 --> 01:04:15.320 right and he felt bad that he was going to 1213 01:04:15.320 --> 01:04:19.760 direct work directly with me and UH and basically, UH, 1214 01:04:19.960 --> 01:04:22.199 on last Friday, he said he was going to the mountains, 1215 01:04:22.199 --> 01:04:25.360 but he sent me some things to look at a vacation. 1216 01:04:25.559 --> 01:04:27.519 I said, I want my money back because I actually 1217 01:04:27.559 --> 01:04:32.960 canceled it via phone the day after thinking about it. 1218 01:04:33.079 --> 01:04:34.920 He said, well, I can't talk to you about money back, 1219 01:04:35.000 --> 01:04:37.719 but we are willing to work with you. And he 1220 01:04:37.840 --> 01:04:39.519 was supposed to get supposed to get back to me 1221 01:04:39.599 --> 01:04:40.320 again today. 1222 01:04:41.119 --> 01:04:44.599 And and what's the guy? What is the guy's name? 1223 01:04:46.800 --> 01:04:55.519 His name is Brad? Uh been down? My internet has 1224 01:04:55.559 --> 01:04:57.599 been down and stuff like that, and I got. 1225 01:04:57.639 --> 01:04:59.280 What is his life? I just need to know Brad? 1226 01:04:59.320 --> 01:05:00.960 What is Brad? Last name. 1227 01:05:03.239 --> 01:05:04.239 Was an A. 1228 01:05:04.480 --> 01:05:05.480 Dmitrie. Do you know it? 1229 01:05:06.280 --> 01:05:07.079 Yeah? 1230 01:05:07.119 --> 01:05:09.000 Hold on? What is it to me to meet mail? 1231 01:05:09.920 --> 01:05:10.119 Yeah? 1232 01:05:10.159 --> 01:05:10.360 You know? 1233 01:05:10.480 --> 01:05:12.880 So he's okay, We're fine, Brad. I just have his 1234 01:05:12.960 --> 01:05:15.119 phone number and I've been emailing him. 1235 01:05:15.440 --> 01:05:16.559 So you do have a phone number. 1236 01:05:16.639 --> 01:05:17.599 I do have a phone number. 1237 01:05:17.599 --> 01:05:18.360 And what's going on? 1238 01:05:18.760 --> 01:05:22.679 And what's going on? And now American Savings Network and 1239 01:05:22.840 --> 01:05:27.079 Minutes of Adventure never once responded to me. But I've 1240 01:05:27.079 --> 01:05:30.159 been well, you know, I take it back. Somebody from 1241 01:05:30.199 --> 01:05:32.960 American Savings Network emailed me said, hey, thanks for bringing 1242 01:05:32.960 --> 01:05:35.480 the story attention we're going to look into it. But 1243 01:05:35.480 --> 01:05:39.679 they never responded to me with any offers to help 1244 01:05:39.800 --> 01:05:42.400 him or any kind of a you know, any kind 1245 01:05:42.400 --> 01:05:45.760 of a refund or anything else. But Tim today promised 1246 01:05:45.800 --> 01:05:46.719 to give you a refund. 1247 01:05:46.800 --> 01:05:49.519 Finally, no, they. 1248 01:05:49.440 --> 01:05:51.719 Said, he said that he can't talk about a refund. 1249 01:05:52.199 --> 01:05:54.199 But you want to do something to help me? 1250 01:05:54.960 --> 01:05:56.039 What the hell does that? No? 1251 01:05:56.760 --> 01:05:58.559 Just what the heck does that mean? I want to 1252 01:05:58.559 --> 01:06:00.960 do something to help you? Just give the money back. 1253 01:06:01.199 --> 01:06:03.880 So basically, what's the purpose of the call today? Were 1254 01:06:03.880 --> 01:06:06.119 you calling to find out what we found out? 1255 01:06:06.400 --> 01:06:09.599 Or did you have information to share with us? 1256 01:06:10.280 --> 01:06:13.159 I wanted to call did I My internet has been 1257 01:06:13.239 --> 01:06:14.719 down and I haven't had no radio. 1258 01:06:15.039 --> 01:06:17.960 Okay, gotcha. I'll tell you what, Tim. We don't have anything. 1259 01:06:18.440 --> 01:06:20.119 We don't have anything new right now. 1260 01:06:20.119 --> 01:06:24.960 But Dimitri's making some notes to try to reint Tom. 1261 01:06:25.039 --> 01:06:27.360 I mean, I don't think that we're gonna be We're 1262 01:06:27.400 --> 01:06:29.639 really not going to get anywhere because these guys aren't 1263 01:06:29.719 --> 01:06:30.960 you know, they're not responding to me. 1264 01:06:31.039 --> 01:06:33.519 Okay, let's give a number out. Let's let's at least 1265 01:06:33.559 --> 01:06:37.880 give a number that people book. Just bombard the hell 1266 01:06:37.920 --> 01:06:38.320 out of them. 1267 01:06:38.360 --> 01:06:38.840 What is it? 1268 01:06:38.960 --> 01:06:42.800 So they sent me. So this cat named Brad England 1269 01:06:43.079 --> 01:06:45.599 at American Savings Network Bred England. 1270 01:06:45.960 --> 01:06:50.360 His name is Brad England A N G L I N. 1271 01:06:50.920 --> 01:06:54.800 Is it Brad Brad Brad England A and G L 1272 01:06:54.880 --> 01:06:55.199 I N. 1273 01:06:55.320 --> 01:06:57.800 Yeah, if that's his real name. But he did send 1274 01:06:57.880 --> 01:06:58.840 me his phone number. 1275 01:06:58.920 --> 01:07:00.239 What is it in? 1276 01:07:00.320 --> 01:07:07.480 Zero two four seven two eight seven zero nine. 1277 01:07:07.639 --> 01:07:07.960 People. 1278 01:07:08.039 --> 01:07:10.400 I don't know if you understand this, but this Troubleshooter 1279 01:07:10.480 --> 01:07:15.000 Network has a pretty damn good impact when our listeners 1280 01:07:15.199 --> 01:07:16.519 truly call. 1281 01:07:16.679 --> 01:07:16.880 Now. 1282 01:07:16.960 --> 01:07:20.880 I'm never asking you to harass or to be vulgar 1283 01:07:21.000 --> 01:07:25.639 ever nor threatening, but just to say we know about you, 1284 01:07:25.719 --> 01:07:27.880 we found out about you. We're going to let everyone 1285 01:07:27.960 --> 01:07:29.880 we know know about you. 1286 01:07:30.239 --> 01:07:33.360 In fact, that has way more credibility than being vulgar 1287 01:07:33.400 --> 01:07:37.159 and being you know, crazy. You tell them, look, you know, 1288 01:07:37.239 --> 01:07:39.440 I work in Denver, I'm an executive, or I'm this 1289 01:07:39.639 --> 01:07:43.320 or I'm that, and I am going to let everyone 1290 01:07:43.440 --> 01:07:47.880 we know on social media and everywhere about you because 1291 01:07:47.920 --> 01:07:50.360 of this situation. So that's what you're doing. 1292 01:07:50.400 --> 01:07:53.039 If you want to reference the situation, you can say 1293 01:07:53.039 --> 01:07:54.920 it was a call to the Tom Martine Show. 1294 01:07:54.920 --> 01:07:57.000 That's all you have to do, and give them our number. 1295 01:07:57.400 --> 01:07:59.440 But I want to give this summer out again, and 1296 01:07:59.480 --> 01:08:02.480 I want to implore you. I want to tell you 1297 01:08:02.599 --> 01:08:05.679 how important you are to this process. 1298 01:08:05.920 --> 01:08:08.880 We have been doing this for years and it really works. 1299 01:08:09.119 --> 01:08:11.800 Okay, you let them know you heard about them, and 1300 01:08:11.840 --> 01:08:14.239 that you're gonna let everyone know, and that you think 1301 01:08:14.280 --> 01:08:22.720 they're deplorable seven zero two four seven two eight seven 1302 01:08:22.920 --> 01:08:29.239 zero nine seven zero two four seven two eight seven 1303 01:08:29.359 --> 01:08:35.520 zero nine more coming right up. Go with a sure 1304 01:08:35.600 --> 01:08:38.720 thing Denver's best roofer Excel Roofing dot com. 1305 01:08:38.760 --> 01:08:40.800 You don't pay a cent until you're content. 1306 01:08:44.159 --> 01:08:47.359 Time for an insurance checkup free, no obligation in comparison, 1307 01:08:47.479 --> 01:08:51.039 call Compass Insurance paying too much your coverage at dozens 1308 01:08:51.039 --> 01:08:53.800 of insurance companies find out now three oh three seven 1309 01:08:53.880 --> 01:08:56.680 seven to one help. You'll think you're his only customer 1310 01:08:56.720 --> 01:08:58.960 when you choose Frank durand the real estate Man dot 1311 01:08:59.000 --> 01:09:02.279 com to list your home with Remax Alliance three oh 1312 01:09:02.359 --> 01:09:08.079 three nine two zero sixteen twenty two. Hey, I'm Tom Martino, 1313 01:09:08.960 --> 01:09:12.399 your troubleshooter three three seven one three eight two five five. 1314 01:09:12.760 --> 01:09:19.119 So let's go back to Michael, who has this roofing issue. Now, Michael, 1315 01:09:20.439 --> 01:09:23.279 what he did after a hailstorm, had a guy come 1316 01:09:23.319 --> 01:09:25.000 up who said, you know, you got some problems on 1317 01:09:25.039 --> 01:09:28.239 the roof and the adjuster proof twelve grand. They were 1318 01:09:28.239 --> 01:09:32.479 going to pay eight grand. Rocky Top roofing or demanded 1319 01:09:34.359 --> 01:09:36.880 the money, so he gave him an insurance check plus 1320 01:09:36.920 --> 01:09:37.800 six hundred bucks. 1321 01:09:38.319 --> 01:09:41.279 And now he's being ghosted. 1322 01:09:42.239 --> 01:09:46.359 So, Michael, you have not heard a word from this 1323 01:09:46.399 --> 01:09:48.079 guy at all. 1324 01:09:48.079 --> 01:09:52.439 Initially, okay. So I was initially ghosted, and he well, okay, 1325 01:09:52.479 --> 01:09:55.479 and I would get a hold of him sporadically, and 1326 01:09:55.479 --> 01:09:57.279 then he'd say, you know, I'll get you on the schedule, 1327 01:09:57.359 --> 01:09:59.800 get you on the schedule. He finally got me on 1328 01:09:59.840 --> 01:10:03.039 the schedule in November, so that was after three months 1329 01:10:04.159 --> 01:10:07.960 after paying him, and the guys came out to start 1330 01:10:08.000 --> 01:10:11.920 the roof. Now, in the process of the workers doing 1331 01:10:11.960 --> 01:10:15.960 the roof, one of them fell through the roof and 1332 01:10:16.159 --> 01:10:22.840 through the filling. I immediately called my insurance company and 1333 01:10:23.039 --> 01:10:24.279 told them what happened. 1334 01:10:25.239 --> 01:10:27.720 All right, you hold on, this is getting this is 1335 01:10:27.760 --> 01:10:29.079 getting very interesting. 1336 01:10:29.199 --> 01:10:32.079 You yeah, you hold on, man, We want to hear 1337 01:10:32.119 --> 01:10:34.359 about this coming up on the Troubleshooter show. 1338 01:10:34.439 --> 01:10:38.800 Please stick around. The guy fell through his ceiling. What's 1339 01:10:38.840 --> 01:10:41.000 going to happen. How can we help all of that 1340 01:10:41.119 --> 01:10:49.159 coming up? Go with a sure thing Denver's Best roofer 1341 01:10:49.279 --> 01:10:52.199 Excel Roofing dot com. You don't pay a cent until 1342 01:10:52.199 --> 01:10:58.680 you're content. Time for an insurance check up free, no obligation. 1343 01:10:58.720 --> 01:11:02.079 In comparison, call help us insurance pay too much your 1344 01:11:02.119 --> 01:11:05.039 coverage at dozens of insurance companies. Find out now three 1345 01:11:05.119 --> 01:11:07.640 oh three seven seven to one help. You'll think you're 1346 01:11:07.680 --> 01:11:10.199 his only customer when you choose Frank durand the real 1347 01:11:10.279 --> 01:11:13.279 estate Man dot com to list your home with Remax 1348 01:11:13.319 --> 01:11:17.840 Alliance three oh three nine two zero sixteen twenty two. 1349 01:11:21.960 --> 01:11:27.239 Ript news. You needed that? Who you don't have? 1350 01:11:29.479 --> 01:11:31.880 Come running as fast as we can. 1351 01:11:33.199 --> 01:11:34.479 Shooter's gonna help. 1352 01:11:34.760 --> 01:11:35.119 Come. 1353 01:11:36.640 --> 01:11:42.520 This is the Troubleshooter Show. No Tom Martino, Hi Tom 1354 01:11:42.560 --> 01:11:45.439 Martino here, Welcome to the show. Three oh three seven 1355 01:11:45.840 --> 01:11:47.800 one three talk is the local number here. We also 1356 01:11:47.880 --> 01:11:49.800 have three oh three Martino. You can call it twenty 1357 01:11:49.800 --> 01:11:52.800 four to seven and get in on whatever show we 1358 01:11:52.840 --> 01:11:53.479 get you in on. 1359 01:11:53.560 --> 01:11:58.560 And we have much of the same. I say much 1360 01:11:58.560 --> 01:12:00.199 of the same. It's so sad. 1361 01:12:00.560 --> 01:12:00.760 You know. 1362 01:12:00.800 --> 01:12:04.079 We have Margaret who paid eighty four hundred dollars up 1363 01:12:04.079 --> 01:12:05.399 front ghosted. 1364 01:12:05.880 --> 01:12:08.439 Then we have another guy that paid money. 1365 01:12:08.279 --> 01:12:16.439 Upfront an insurance check and they started the job in November, 1366 01:12:16.479 --> 01:12:19.000 but the guy fell through the frickin' roof. 1367 01:12:20.159 --> 01:12:25.760 So we're going to have a lesson in Hey, Brian Burns, 1368 01:12:25.840 --> 01:12:28.159 let's talk to you first. Brian Burns is with Compass 1369 01:12:28.239 --> 01:12:32.399 Insurance Group. There are guests today doing the insurance Help Center, 1370 01:12:32.520 --> 01:12:35.199 so as they do every day, but while they're here, 1371 01:12:35.199 --> 01:12:37.680 we highlight that you can do an insurance check up 1372 01:12:38.039 --> 01:12:41.399 by calling them directly and then they'll compare your coverages 1373 01:12:41.439 --> 01:12:44.159 with us out there three h three nine nine six 1374 01:12:44.279 --> 01:12:46.840 nine thousand. But here in the studio, Brian is with us. 1375 01:12:47.600 --> 01:12:51.520 Brian, when I hire a company at my house, let's 1376 01:12:51.600 --> 01:12:54.399 just talk about that in general, whether it be for 1377 01:12:54.520 --> 01:12:58.680 mowing the lawn, doing the roof, building a deck, what 1378 01:12:59.760 --> 01:13:03.239 do I have in terms of coverage? 1379 01:13:03.880 --> 01:13:06.800 You do have premise liability, but it would have to 1380 01:13:07.039 --> 01:13:10.079 involve some sort of negligence. I mean, these are companies 1381 01:13:10.079 --> 01:13:12.520 that are you're hiring to come do a job, so 1382 01:13:13.119 --> 01:13:16.840 they should have workers comp for their That's right, they should. 1383 01:13:17.199 --> 01:13:17.760 They should. 1384 01:13:17.760 --> 01:13:20.199 But what I'm asking you is, if I have a 1385 01:13:20.239 --> 01:13:22.840 guy helping me build the deck, and the deck falls 1386 01:13:22.920 --> 01:13:23.159 on them. 1387 01:13:23.199 --> 01:13:23.960 What's that about? 1388 01:13:24.159 --> 01:13:28.239 Yeah, that would be liability if in fact, again, what 1389 01:13:28.279 --> 01:13:31.000 would happen is they would sue you, Your liability would 1390 01:13:31.039 --> 01:13:33.479 step into protect you, and if you're liable, then your 1391 01:13:33.520 --> 01:13:35.880 liability limit could protect you for that kind of thing. 1392 01:13:37.319 --> 01:13:41.159 Okay, can you ever see a scenario where my liability 1393 01:13:41.199 --> 01:13:45.840 coverage might refuse to cover me, Well, but the courts 1394 01:13:46.119 --> 01:13:47.439 might say I need to pay them. 1395 01:13:47.840 --> 01:13:49.560 That would be hard for me to imagine. 1396 01:13:49.600 --> 01:13:52.279 Nless you have some sort of exclusion, like if this 1397 01:13:52.439 --> 01:13:55.840 was an intentional thing or you know, something along those lines, 1398 01:13:56.039 --> 01:13:59.039 like your kid working on it, right, right, if it's 1399 01:13:59.079 --> 01:14:01.680 a household member, if it's someone, then your household you're 1400 01:14:01.680 --> 01:14:04.520 not going to your liability won't cover that. But I'm 1401 01:14:04.560 --> 01:14:07.359 saying it would be hard for me to think, like 1402 01:14:07.399 --> 01:14:10.079 in this case that a roofer falls through that you've hired, 1403 01:14:10.600 --> 01:14:13.199 You're like, you're not negligible for that. I mean, this 1404 01:14:13.319 --> 01:14:15.239 is part of his job, that's what he's there to do. 1405 01:14:16.439 --> 01:14:19.359 Okay, so let's find out what happened. 1406 01:14:19.359 --> 01:14:21.960 But bottom line, Brian, if you got sued by him 1407 01:14:22.000 --> 01:14:24.359 for whatever reason, they would have to defend you. 1408 01:14:24.399 --> 01:14:27.760 They would defend you, and then if you are found liable, 1409 01:14:28.000 --> 01:14:30.279 then that's where your your liability them it would come 1410 01:14:30.279 --> 01:14:30.880 into play. 1411 01:14:31.119 --> 01:14:35.039 So Michael had a hailstorm and hired Rocky Top Roofing 1412 01:14:36.119 --> 01:14:40.520 and then they they started the job in November. 1413 01:14:40.640 --> 01:14:44.960 Continue your story, Michael, Yeah. 1414 01:14:45.600 --> 01:14:47.800 Okay, So they fell through the roof. I immediately called 1415 01:14:47.840 --> 01:14:49.199 my insurance. 1416 01:14:48.960 --> 01:14:52.000 And how many fell through the roof? How many fell 1417 01:14:52.079 --> 01:14:55.319 through the roof? And did he get hurt? 1418 01:14:55.399 --> 01:14:57.039 Did he get hurt? 1419 01:14:57.600 --> 01:15:02.000 They didn't say, Well. 1420 01:15:01.880 --> 01:15:05.239 Okay, and why was your reaction to call your insurance company. 1421 01:15:05.239 --> 01:15:07.680 I'm just curious since. 1422 01:15:07.479 --> 01:15:10.560 They had already since I had already paid their portion 1423 01:15:10.760 --> 01:15:14.800 of the check to him, and I didn't know what else. 1424 01:15:14.600 --> 01:15:19.159 To do at that point. It okay, okay, So then 1425 01:15:19.199 --> 01:15:21.119 what and then what happened? 1426 01:15:22.560 --> 01:15:27.159 Goes, Did they provide you a permit? And I go, no, 1427 01:15:27.319 --> 01:15:31.079 they didn't. He goes, They're supposed to provide you a 1428 01:15:31.079 --> 01:15:33.920 permit or post a permit immediately before they start work. 1429 01:15:34.119 --> 01:15:38.359 And so he goes to the state website to look 1430 01:15:38.399 --> 01:15:42.720 for a permit and find no permit pulled for my address. 1431 01:15:43.159 --> 01:15:45.479 Well, there wouldn't be on the state website and it 1432 01:15:45.479 --> 01:15:49.359 wouldn't be on the state website anyway, But kid, it. 1433 01:15:49.279 --> 01:15:49.800 Was a county. 1434 01:15:49.800 --> 01:15:52.880 It was a county for Colorado Springs, but I'll correct myself. 1435 01:15:52.880 --> 01:15:54.800 It was a county for Colorado Springs. This happened in 1436 01:15:54.840 --> 01:15:59.239 Colorado Springs. And when Okay, So I called the county directly, 1437 01:15:59.680 --> 01:16:02.119 the per office, and I don't know. 1438 01:16:02.079 --> 01:16:04.119 Why you care. I don't know why you care about 1439 01:16:04.159 --> 01:16:05.920 a permit. What does that have to do with anything? 1440 01:16:06.000 --> 01:16:07.880 It was his insurance aggestion. 1441 01:16:09.319 --> 01:16:13.079 But that doesn't have anything to do with anything. Nothing, zero, 1442 01:16:13.399 --> 01:16:15.039 It has nothing to do with coverage. 1443 01:16:15.479 --> 01:16:16.840 But keep going. What happened? 1444 01:16:16.840 --> 01:16:17.000 Then? 1445 01:16:18.119 --> 01:16:21.960 Okay? So the permit guy says, well, he probably didn't 1446 01:16:22.000 --> 01:16:26.359 give you a permit because he hasn't updated his business 1447 01:16:26.399 --> 01:16:31.000 license and he hasn't provided us with updated liability insurance. 1448 01:16:31.800 --> 01:16:36.760 Okay, So you want to know who's going to pay 1449 01:16:36.800 --> 01:16:39.119 for all the damage to your house. You're not worried 1450 01:16:39.119 --> 01:16:41.760 about the guy that got hurt. You're worried about who's 1451 01:16:41.800 --> 01:16:42.880 going to fix your house. 1452 01:16:43.079 --> 01:16:47.680 And I don't blame you, yeah, yeah, yea and so, 1453 01:16:47.960 --> 01:16:51.920 and then I also called Aaron and told him what happened. 1454 01:16:52.279 --> 01:16:56.600 And I called That was my second call, and he's like, oh, well, 1455 01:16:56.640 --> 01:17:00.319 you know, don't worry about it. We'll fix everything at 1456 01:17:00.399 --> 01:17:07.720 no cost to you. And you know, so that took 1457 01:17:08.399 --> 01:17:10.640 probably most of the month before they fixed that. 1458 01:17:11.920 --> 01:17:13.079 They did, so they hold on. 1459 01:17:13.199 --> 01:17:16.399 They they they did fix it though, they did fix 1460 01:17:16.439 --> 01:17:17.600 the ceiling and all of that. 1461 01:17:18.840 --> 01:17:20.000 Yeah, they okay. 1462 01:17:21.199 --> 01:17:24.640 And they also finished the roof. So at the okay, 1463 01:17:24.800 --> 01:17:29.920 remember everything was done okay. And and then when I 1464 01:17:30.039 --> 01:17:33.039 mentioned he didn't there was no permit, he goes, yes, 1465 01:17:33.079 --> 01:17:35.399 there is, so I guess in the interim he fixed 1466 01:17:35.399 --> 01:17:37.920 everything and did end up pulling a permit. 1467 01:17:38.079 --> 01:17:41.279 Okay, okay, So where do we stand now? Why are 1468 01:17:41.359 --> 01:17:43.319 you calling so? 1469 01:17:46.479 --> 01:17:50.720 I okay, there there wasn't another problem in the roof 1470 01:17:51.479 --> 01:17:54.000 where somebody told me that it looks like there's a 1471 01:17:54.039 --> 01:17:57.479 crack in the rafter okay. And then he's like, well, 1472 01:17:57.520 --> 01:17:59.640 we don't know that we did that, and we're not 1473 01:17:59.720 --> 01:18:02.199 going to worry about that. You'd have to prove that 1474 01:18:02.279 --> 01:18:05.840 we did that, okay. So and I talked to a 1475 01:18:05.880 --> 01:18:08.079 real estate agent because I was also. 1476 01:18:08.600 --> 01:18:11.680 Hey, Michael, how old is your house? How old is 1477 01:18:11.720 --> 01:18:12.199 your house? 1478 01:18:13.079 --> 01:18:15.439 Built in the seventies, and we were also told there's 1479 01:18:15.520 --> 01:18:16.439 probably a besto. 1480 01:18:18.000 --> 01:18:21.399 Do you think Michael that well the asbesia has nothing 1481 01:18:21.399 --> 01:18:26.000 to do with the roofer. But do you think they 1482 01:18:26.159 --> 01:18:30.399 cracked the rafter? How would they have done that by 1483 01:18:30.479 --> 01:18:33.920 maybe overloading the roof of the materials or something. 1484 01:18:36.159 --> 01:18:36.960 By the falster? 1485 01:18:37.680 --> 01:18:40.079 I figured, I. 1486 01:18:40.000 --> 01:18:41.239 Think it's more than likely. 1487 01:18:41.439 --> 01:18:43.640 I mean, it could be through the when he fell, 1488 01:18:44.119 --> 01:18:46.720 but it could be where they stacked you know, the 1489 01:18:46.760 --> 01:18:49.199 bundles of roof on top of your roof. 1490 01:18:49.479 --> 01:18:51.760 But anyway, keep going. So what happened then? 1491 01:18:52.920 --> 01:18:53.439 Okay? 1492 01:18:54.039 --> 01:18:58.000 So and another thing, I had people helping me fix 1493 01:18:58.079 --> 01:19:00.560 up the house because I was also looking at selling 1494 01:19:00.600 --> 01:19:03.680 the house. So he knew that I was trying to 1495 01:19:03.760 --> 01:19:06.640 also sell the house. I had a real not at that. 1496 01:19:06.920 --> 01:19:08.840 It doesn't matter what he knew. I mean, I don't 1497 01:19:08.840 --> 01:19:10.760 know why you brought that up. But okay, so he 1498 01:19:10.840 --> 01:19:12.119 knew you were trying to sell the house. 1499 01:19:12.159 --> 01:19:12.600 Big deal. 1500 01:19:14.600 --> 01:19:15.439 Okay, So. 1501 01:19:17.279 --> 01:19:20.560 I had called around to attorneys. No attorneys really wanted 1502 01:19:20.600 --> 01:19:21.000 to help me. 1503 01:19:22.000 --> 01:19:26.720 Attorneys for what. You jumped right to attorneys attorneys for what? 1504 01:19:28.039 --> 01:19:28.960 Because of the rafter? 1505 01:19:30.439 --> 01:19:30.720 Mmm? 1506 01:19:31.720 --> 01:19:32.159 Gotcha? 1507 01:19:34.039 --> 01:19:34.359 Okay? 1508 01:19:36.239 --> 01:19:39.000 Now, how much how much was it going to cost 1509 01:19:39.039 --> 01:19:40.079 to fix that rafter? 1510 01:19:43.319 --> 01:19:47.960 I was told that there's a whole new engineer's inspection 1511 01:19:48.079 --> 01:19:51.079 that needed to be done and another permit pool and 1512 01:19:51.159 --> 01:19:53.760 the engineer's inspection was about fifteen. 1513 01:19:53.720 --> 01:19:59.920 Dollars okay, okay, how much would it how much would 1514 01:19:59.920 --> 01:20:03.000 it cost to actually fix that all? They don't have 1515 01:20:03.079 --> 01:20:05.960 to replace that whole rafter, They just have to reinforce 1516 01:20:06.000 --> 01:20:07.000 it where it's cracked. 1517 01:20:07.279 --> 01:20:10.159 Right, he said that they can sister it in. 1518 01:20:10.680 --> 01:20:15.520 But right, that's exactly right, that's exactly right, and that's 1519 01:20:15.560 --> 01:20:17.399 the proper term they could sister it in. 1520 01:20:17.479 --> 01:20:20.359 So what's going on? I mean, where are we going 1521 01:20:20.399 --> 01:20:21.079 with the story? 1522 01:20:22.319 --> 01:20:23.199 So okay? 1523 01:20:23.520 --> 01:20:28.720 So here it is many months later, yes, after stop 1524 01:20:29.359 --> 01:20:33.119 and he tells me. I'm like, so, what's going on? 1525 01:20:33.159 --> 01:20:36.560 Where are we finished here? And he tells me I 1526 01:20:36.680 --> 01:20:40.279 have additional supplements so that I have to provide to 1527 01:20:40.319 --> 01:20:47.000 the insurance. He give the insurance and me a bill 1528 01:20:47.239 --> 01:20:50.279 for thirty three thousand dollars. 1529 01:20:51.359 --> 01:20:53.600 What yeah? 1530 01:20:53.920 --> 01:20:55.640 Yeah, but did the insurance pay it? 1531 01:20:57.239 --> 01:20:57.560 Okay? 1532 01:20:57.760 --> 01:21:01.840 So the initial estimate by the insurance was twelve okay, 1533 01:21:02.039 --> 01:21:05.239 So when I gave when he gave it the insurance, 1534 01:21:05.479 --> 01:21:07.880 the adjuster calls me and he goes, what is this? 1535 01:21:08.279 --> 01:21:13.279 He goes, No, residential roof is thirty three thousand dollars. 1536 01:21:14.560 --> 01:21:15.560 Well, that's not true. 1537 01:21:15.600 --> 01:21:19.119 There are plenty of them there, There are plenty of them, don't. 1538 01:21:19.199 --> 01:21:22.600 I don't care about that. What I care about is this. 1539 01:21:23.560 --> 01:21:25.279 What was it for. 1540 01:21:27.479 --> 01:21:31.399 So additional work that he's saying that he did to 1541 01:21:31.439 --> 01:21:35.720 the house, including removal of a satellite system that we 1542 01:21:35.840 --> 01:21:39.840 never even had. So and I even mentioned to the adjuster, 1543 01:21:40.359 --> 01:21:43.720 and maybe the adjuster didn't catch it. 1544 01:21:43.840 --> 01:21:45.119 I said, if. 1545 01:21:44.960 --> 01:21:47.359 There's things that he didn't even do to this house, 1546 01:21:47.479 --> 01:21:50.319 isn't that considered fraud? And the adjuster goes, well, yes 1547 01:21:50.359 --> 01:21:52.000 it is, but then well, of. 1548 01:21:51.960 --> 01:21:54.680 Course it is. Of course it is. But here's the 1549 01:21:54.720 --> 01:21:58.520 bottom line, Michael. Your insurance didn't pay it. You don't 1550 01:21:58.600 --> 01:21:59.319 have to pay it. 1551 01:21:59.560 --> 01:22:01.560 If it's fraudulent, don't pay it. 1552 01:22:02.439 --> 01:22:03.359 Okay, But they did. 1553 01:22:03.600 --> 01:22:08.359 Okay, so they approved another three thousand, five hundred dollars, 1554 01:22:08.399 --> 01:22:10.720 which I have to check here, I have. 1555 01:22:10.920 --> 01:22:15.760 Another way another wait he wait, they filed supplements for 1556 01:22:16.039 --> 01:22:21.359 thirty three thousand dollars and your insurance paid three thousand. 1557 01:22:23.479 --> 01:22:26.840 They yes, the insurance adjuster said the most that they 1558 01:22:26.840 --> 01:22:31.399 could approve off of there was thirty five hundred dollars. 1559 01:22:31.840 --> 01:22:34.199 Okay for weato for good? 1560 01:22:34.520 --> 01:22:35.319 Yeah, I don't. 1561 01:22:35.600 --> 01:22:37.680 What are you calling about? 1562 01:22:39.039 --> 01:22:40.920 Because he's trying to get the rest of the money 1563 01:22:40.920 --> 01:22:41.199 from me. 1564 01:22:42.239 --> 01:22:44.319 Okay, hold on, that's what I wanted to know. I 1565 01:22:44.319 --> 01:22:46.720 got to take this break. So now they're coming after 1566 01:22:46.800 --> 01:22:48.520 him for the rest of the money. What can he do? 1567 01:22:48.600 --> 01:22:50.479 We'll talk to Brian Burns and Moore coming up on 1568 01:22:50.520 --> 01:22:51.479 the Troubleshooter Show. 1569 01:22:57.079 --> 01:23:00.359 Go with a sure Thing Denver's Best rufer excel roofing 1570 01:23:00.439 --> 01:23:03.119 dot com. You don't pay a cent until you're content 1571 01:23:06.479 --> 01:23:09.640 time for an insurance check up free, no obligation. In comparison, 1572 01:23:09.800 --> 01:23:13.359 call Compass Insurance paying too much your coverage at dozens 1573 01:23:13.359 --> 01:23:16.079 of insurance companies find out now three O three seven 1574 01:23:16.079 --> 01:23:18.439 to seven to one help. You'll think you're his only 1575 01:23:18.560 --> 01:23:21.000 customer when you choose Frank durand the real estate Man 1576 01:23:21.079 --> 01:23:24.439 dot com to list your home with Remax Alliance three 1577 01:23:24.520 --> 01:23:29.439 oh three nine two zero sixteen twenty two. 1578 01:23:31.399 --> 01:23:39.000 Hi Tom Martino here chero three Martino. Gail has a 1579 01:23:39.079 --> 01:23:44.920 question on travel insurance. That's an interesting topic, travel insurance. Gail. 1580 01:23:45.199 --> 01:23:46.199 What is your question? 1581 01:23:48.760 --> 01:23:57.920 Hi Tom, Just kind of question about travel insurance. The 1582 01:23:58.119 --> 01:24:03.800 rates very obviously probably or is there is she just 1583 01:24:03.880 --> 01:24:05.239 go through the agency that you're with. 1584 01:24:05.439 --> 01:24:07.680 Now are you talking It depends on what kind of 1585 01:24:07.680 --> 01:24:10.960 travel insurance. Are you talking about insurance that you have 1586 01:24:11.239 --> 01:24:16.119 while you're traveling, or travel insurance on the trip itself, 1587 01:24:16.640 --> 01:24:19.600 like if you can't make it, or if it's weathered 1588 01:24:19.640 --> 01:24:20.920 out or something like that. 1589 01:24:22.720 --> 01:24:24.000 Yeah, something like that. 1590 01:24:24.359 --> 01:24:24.680 Yeah. 1591 01:24:24.720 --> 01:24:27.279 Also in other words, in other words, if you plan 1592 01:24:27.399 --> 01:24:32.760 a big vacation for Europe and something goes wrong and 1593 01:24:32.800 --> 01:24:35.680 you can't make it, or something happens with a cruise 1594 01:24:35.720 --> 01:24:39.279 line or something like that, you're talking about that kind 1595 01:24:39.279 --> 01:24:40.039 of insurance. 1596 01:24:40.600 --> 01:24:43.720 Well, Alliance which is probably the biggest one out there, 1597 01:24:44.800 --> 01:24:47.239 they have exactly what you're talking about, Tom, But you 1598 01:24:47.279 --> 01:24:50.920 can also add on if you get sick or have 1599 01:24:51.000 --> 01:24:52.880 to go to the emergency room, So you can add 1600 01:24:52.880 --> 01:24:54.279 on that level if you want to. 1601 01:24:56.399 --> 01:25:00.000 So what was your question, Gail, about that specific travel 1602 01:25:00.199 --> 01:25:02.319 insurance or about that kind of insurance. 1603 01:25:04.199 --> 01:25:10.840 Well, I just wanted to cover a basis on them. 1604 01:25:12.199 --> 01:25:19.800 How to go about an agency? Okay, and all. 1605 01:25:18.479 --> 01:25:21.319 Right, that's good, Like where do you buy it? And 1606 01:25:21.319 --> 01:25:24.920 that's a great question, a good try. Are you using 1607 01:25:24.960 --> 01:25:30.039 a travel agency? Because travel agencies are the best people 1608 01:25:30.119 --> 01:25:34.199 you can have for referrals to those because they do 1609 01:25:34.319 --> 01:25:35.199 so many of them. 1610 01:25:35.520 --> 01:25:37.239 Do you have a travel agent? 1611 01:25:40.199 --> 01:25:40.560 Yeah? 1612 01:25:41.039 --> 01:25:46.319 Yes, did you ask your travel agent about travel insurance? 1613 01:25:48.119 --> 01:25:51.399 We did, but we thought we'd check up just some 1614 01:25:51.439 --> 01:25:52.079 other options. 1615 01:25:52.199 --> 01:25:56.720 Okay, so compass insurance. You guys deal with travel insurance ever? 1616 01:25:56.840 --> 01:25:58.640 Or do you know any good in travel insurance? 1617 01:25:58.800 --> 01:25:59.199 We don't. 1618 01:25:59.199 --> 01:26:01.600 We don't have anything to do with travel insurance, So 1619 01:26:01.760 --> 01:26:03.960 I'm not a very good resource for that one. 1620 01:26:06.399 --> 01:26:10.640 I would say I would rely on my It is 1621 01:26:10.800 --> 01:26:15.520 such a rare form of insurance itself that I would 1622 01:26:15.600 --> 01:26:21.079 rely on my travel agent. Have they made any recommendations 1623 01:26:21.079 --> 01:26:21.439 to you? 1624 01:26:24.319 --> 01:26:25.039 Yeah, they did. 1625 01:26:26.199 --> 01:26:30.119 We kind of so it will probably end up doing that. 1626 01:26:30.199 --> 01:26:31.399 But how much. 1627 01:26:31.239 --> 01:26:32.159 Did they how much? 1628 01:26:32.319 --> 01:26:34.840 How much give me an idea of their premiums? How 1629 01:26:34.920 --> 01:26:35.720 much did they want? 1630 01:26:38.159 --> 01:26:38.319 Uh? 1631 01:26:39.000 --> 01:26:41.920 I didn't really get any prices. I just I just 1632 01:26:42.000 --> 01:26:43.880 asked them and they said, yeah, we can, we can 1633 01:26:43.960 --> 01:26:44.479 recommend you. 1634 01:26:44.640 --> 01:26:50.960 And all as Mark said, alliance Alliance with the Z 1635 01:26:51.439 --> 01:26:54.800 A L L I A N Z is what Mark 1636 01:26:54.960 --> 01:27:00.119 was talking about. They are in in survey after survey, 1637 01:27:00.159 --> 01:27:02.920 they're about the highest rated out there. That's right, the 1638 01:27:03.000 --> 01:27:03.640 highest rated. 1639 01:27:04.000 --> 01:27:07.840 Well, I'm not saying in general it's a good product, 1640 01:27:08.279 --> 01:27:11.720 but if you ever did get sick in Europe, Oh man, 1641 01:27:12.479 --> 01:27:14.439 it would cost you a fortune. 1642 01:27:14.560 --> 01:27:19.079 And the insurance and also the trip itself. A lot 1643 01:27:19.119 --> 01:27:22.279 of these places went out of business. Guess what drove 1644 01:27:22.319 --> 01:27:23.159 them out of business? 1645 01:27:23.720 --> 01:27:28.399 Remember, yeah Coch Yeah, because they couldn't cover all the trips. 1646 01:27:28.439 --> 01:27:31.680 They just couldn't do it. That was a bad That 1647 01:27:31.800 --> 01:27:35.840 was a bad time for travel insurance and for the 1648 01:27:35.960 --> 01:27:38.399 cruise industry, tour guides. 1649 01:27:38.920 --> 01:27:46.079 There were so wedding venues, there were so many places 1650 01:27:46.079 --> 01:27:48.079 that went out of business as a result of that. 1651 01:27:48.520 --> 01:27:49.319 It's so good. 1652 01:27:49.399 --> 01:27:53.800 There's a good there's a good possibility. Whoever, your travel 1653 01:27:53.840 --> 01:27:57.000 people are use Alliance by the way, they're just quoting you, 1654 01:27:58.680 --> 01:28:02.279 and if not, they can Yeah, hey, by the way, 1655 01:28:02.520 --> 01:28:04.319 thinking who did you use? 1656 01:28:04.560 --> 01:28:07.479 It's so funny hearing someone say a travel agent? Who 1657 01:28:07.680 --> 01:28:11.039 was it? What travel agency did you use? Out of curiosity? 1658 01:28:12.560 --> 01:28:16.880 Well, Elias is who you're going with. 1659 01:28:18.680 --> 01:28:20.680 No, what travel agency did you? 1660 01:28:23.520 --> 01:28:26.079 Oh? 1661 01:28:26.399 --> 01:28:30.239 I'm not what just for future reference for anybody out 1662 01:28:30.279 --> 01:28:33.680 there listening. Actually, I'm not going to steal it from 1663 01:28:33.760 --> 01:28:37.479 Tom because he told it to me probably fifteen twenty 1664 01:28:37.520 --> 01:28:40.159 years ago. But I have used them so many times 1665 01:28:40.239 --> 01:28:42.479 now I won't use them if we're just flying to like, 1666 01:28:42.840 --> 01:28:44.920 you know, Vegas or something, but if we're going to 1667 01:28:44.960 --> 01:28:47.680 Hawaii or if we're doing something big. I am telling 1668 01:28:47.720 --> 01:28:52.560 you Costco Travel is absolutely amazing. During COVID when we 1669 01:28:52.600 --> 01:28:56.479 had to cancel a pretty crazy three week Hawaiian deal, 1670 01:28:56.760 --> 01:29:00.079 I got every cent back and I've never had any 1671 01:29:00.079 --> 01:29:03.760 problems here weren't taken care of. And then the pricing 1672 01:29:04.199 --> 01:29:06.680 is better than anything I've ever seen before. 1673 01:29:06.760 --> 01:29:09.359 It's it's amazing, my mark. 1674 01:29:09.520 --> 01:29:12.920 I couldn't believe some of the deal Stephanie fines on 1675 01:29:13.000 --> 01:29:16.000 Costco I I I and they're the and they're all 1676 01:29:16.039 --> 01:29:19.000 the same hotels and airlines that everyone uses. 1677 01:29:19.920 --> 01:29:21.359 I don't know how they do it. 1678 01:29:22.000 --> 01:29:24.920 I mean, when we look at the pricing, it's just 1679 01:29:25.039 --> 01:29:26.199 almost impossible. 1680 01:29:26.479 --> 01:29:28.680 They must do such an incredible volume. 1681 01:29:28.800 --> 01:29:32.039 It has to be. It's got to be completely volume related. 1682 01:29:32.399 --> 01:29:35.439 And then you save all this money and then next 1683 01:29:35.479 --> 01:29:37.840 thing you know, in your mailbox there's like a five 1684 01:29:37.920 --> 01:29:41.239 hundred dollars Costco gift card that's included in it. 1685 01:29:41.239 --> 01:29:43.239 It's nuts, exactly. 1686 01:29:43.800 --> 01:29:47.199 So let's go back to Michael on this on this 1687 01:29:48.199 --> 01:29:50.199 insurance thing, because I'm here. 1688 01:29:50.239 --> 01:29:53.439 Here's the bottom line. They're coming after him for payment. 1689 01:29:53.920 --> 01:29:59.159 So they put in a supplement of thirty three thousand 1690 01:29:59.319 --> 01:30:04.600 dollars a supplement, and then his insurance approved about thirty 1691 01:30:04.600 --> 01:30:09.039 five hundred, and now they want an additional thirty grand 1692 01:30:09.359 --> 01:30:13.279 from him. So, Michael, how are they coming after you 1693 01:30:13.359 --> 01:30:14.119 for that money? 1694 01:30:14.520 --> 01:30:14.680 Is? 1695 01:30:14.720 --> 01:30:16.720 Did they put a lien on your Well, they can't 1696 01:30:16.760 --> 01:30:19.399 put a lien. That's probably too late. How are they 1697 01:30:19.399 --> 01:30:20.640 coming after you for it? 1698 01:30:21.920 --> 01:30:22.039 Oh? 1699 01:30:22.119 --> 01:30:25.359 Yeah, it is six months after the job had been completed. 1700 01:30:25.920 --> 01:30:29.399 But he's saying that he could put a mechanic clean 1701 01:30:29.520 --> 01:30:33.279 and foreclose against my house, and he's been harassing us, 1702 01:30:33.359 --> 01:30:34.359 calling us favorite jing. 1703 01:30:34.520 --> 01:30:35.520 No he can't. 1704 01:30:35.920 --> 01:30:37.920 He can't put a lien on It's too late to 1705 01:30:37.920 --> 01:30:39.039 put a lien on your house. 1706 01:30:39.319 --> 01:30:42.840 Yeah, how well was it man? He said? Six months 1707 01:30:42.880 --> 01:30:43.640 since the job. 1708 01:30:43.760 --> 01:30:46.920 Yeah, you're he can't well put a lien on there. 1709 01:30:46.960 --> 01:30:49.560 But eventually you're going to beat it doesn't matter there. 1710 01:30:50.279 --> 01:30:54.600 Yeah, it's December, January, February, March, April, May. Yeah, you're right, 1711 01:30:54.720 --> 01:30:57.640 you're right, it's May June, seven months later. 1712 01:30:58.159 --> 01:31:00.359 He can't take you to court, I mean really, just 1713 01:31:00.399 --> 01:31:02.520 to get to the end of the call that he's 1714 01:31:02.560 --> 01:31:05.079 going to have to do something he's gonna have to 1715 01:31:05.159 --> 01:31:08.199 take action and hire an attorney and come after you. 1716 01:31:08.760 --> 01:31:11.439 Yeah, but what I want to know is what is 1717 01:31:11.640 --> 01:31:15.960 I would be curious what is this extra thirty thousand dollars. 1718 01:31:17.199 --> 01:31:20.319 I'd be happy to offend you the breakdown, And I 1719 01:31:20.399 --> 01:31:23.319 believe me and my realtor were looking at it, and 1720 01:31:23.399 --> 01:31:26.600 it looks like he's trying to charge me for his 1721 01:31:27.520 --> 01:31:30.760 worker falling through the roof. Because he's talking about painting 1722 01:31:31.159 --> 01:31:35.680 plaster things like that, and he didn't paint anything except 1723 01:31:35.720 --> 01:31:39.840 for the room that the roof for falter that the 1724 01:31:39.880 --> 01:31:40.720 worker fell through. 1725 01:31:41.159 --> 01:31:43.800 It sounds like the guy's it sounds like he's a 1726 01:31:43.840 --> 01:31:46.880 clown or that he's just a crook. I mean, I 1727 01:31:46.920 --> 01:31:47.760 don't know if he is. 1728 01:31:47.840 --> 01:31:54.640 But but mom, what realtor said that she has another 1729 01:31:54.760 --> 01:31:59.119 client that he also worked with to do a roof for, 1730 01:32:00.079 --> 01:32:04.079 who was also selling her health and he did the 1731 01:32:04.119 --> 01:32:12.359 same exact thing. The worker fell through her roof. Really everything, 1732 01:32:12.960 --> 01:32:18.159 he fixed everything, and just before the sale of her health, 1733 01:32:18.800 --> 01:32:22.119 he threatened her to put a lean and foreclose on 1734 01:32:22.199 --> 01:32:26.960 the house, so she paid him, even though she knew 1735 01:32:27.479 --> 01:32:31.159 he didn't deserve the money. She paid him the money. 1736 01:32:31.479 --> 01:32:34.720 But now she's looking to file a complaint and do every. 1737 01:32:34.600 --> 01:32:36.960 Wait a minute to the fact, Wait a minute, are 1738 01:32:37.000 --> 01:32:39.319 you serious? Are you telling me it was the same 1739 01:32:39.399 --> 01:32:42.600 exact type of claim. A guy fell through the roof 1740 01:32:42.680 --> 01:32:47.399 and it was the same roofer. Yes, you know what. 1741 01:32:48.039 --> 01:32:50.680 I don't believe in coincidences like that. Hold on, we 1742 01:32:50.760 --> 01:32:51.840 got more coming right up. 1743 01:32:51.840 --> 01:33:01.039 Hold on, go with a sure thing vers best roofer 1744 01:33:01.159 --> 01:33:04.039 Excel Roofing dot com. You don't pay a cent until 1745 01:33:04.079 --> 01:33:10.520 you're content. Time for an insurance checkup free, no obligation. 1746 01:33:10.560 --> 01:33:14.399 In comparison, call Compass Insurance paying too much your coverage 1747 01:33:14.439 --> 01:33:17.119 at dozens of insurance companies find out now three oh 1748 01:33:17.159 --> 01:33:19.600 three seven seven to one help. You'll think you're his 1749 01:33:19.760 --> 01:33:22.399 only customer when you choose Frank durand the real estate 1750 01:33:22.439 --> 01:33:25.680 Man dot com to list your home with Remax Alliance 1751 01:33:25.920 --> 01:33:31.479 three oh three nine two zero sixteen twenty two. Hi 1752 01:33:31.600 --> 01:33:34.720 Tom Martine here three oh three seven one three talks 1753 01:33:34.760 --> 01:33:38.479 seven one three eight two five five. You know, Michael, 1754 01:33:38.800 --> 01:33:41.079 the more I talk to you about this roof thing, 1755 01:33:42.520 --> 01:33:45.039 the more I think this thing could have been set up. 1756 01:33:45.079 --> 01:33:47.640 In my opinion, let me let me explain this to you. 1757 01:33:48.680 --> 01:33:54.119 First and foremost, you said something that was very curious. 1758 01:33:54.920 --> 01:34:00.000 In the beginning of this call, you said, after a hailstorm, 1759 01:34:00.520 --> 01:34:05.000 you had a roofer look at your roof Rocky Top Roofing, 1760 01:34:06.000 --> 01:34:09.880 and they made a note that I very seldom ever 1761 01:34:10.520 --> 01:34:15.840 hear roofing companies make a note of. They said there 1762 01:34:15.880 --> 01:34:19.399 were soft spots on your roof. 1763 01:34:20.960 --> 01:34:24.319 Well, I mentioned that because my friends that were helping 1764 01:34:24.359 --> 01:34:28.199 me fix up the house cutting trees away, they told 1765 01:34:28.199 --> 01:34:30.039 me there was a soft spot on the roof. 1766 01:34:30.680 --> 01:34:33.439 Then that is really bad news. That is really bad. 1767 01:34:33.479 --> 01:34:37.960 Hold on, I thought that Rocky Top Roofing mentioned it. 1768 01:34:38.479 --> 01:34:41.239 The fact that your friends mentioned it, I'm going to 1769 01:34:41.319 --> 01:34:42.439 tell you something, Michael. 1770 01:34:43.159 --> 01:34:47.079 This is bad news for you because if there was a. 1771 01:34:47.000 --> 01:34:50.920 Soft spot noted on that roof and somebody fell through it, 1772 01:34:51.920 --> 01:34:55.000 they're going even though even though they fixed it all, 1773 01:34:55.760 --> 01:34:58.560 they're going to claim that that was not their fault, 1774 01:34:59.199 --> 01:35:01.159 that their work or fell through the roof. 1775 01:35:02.239 --> 01:35:04.960 I know that's what they're going for right now. Now. 1776 01:35:05.159 --> 01:35:07.680 The fact that you said this happened on a previous 1777 01:35:07.720 --> 01:35:13.239 house is very, very, very curious. But that aside, if 1778 01:35:13.279 --> 01:35:15.920 your neighbors told you there was a soft spot on 1779 01:35:15.960 --> 01:35:19.439 the roof or two and this guy fell through the roof. 1780 01:35:20.399 --> 01:35:24.079 It would indicate your roofing decking may have been failing 1781 01:35:24.119 --> 01:35:25.119 in certain areas. 1782 01:35:25.960 --> 01:35:26.439 I don't know. 1783 01:35:26.680 --> 01:35:29.000 I'm not saying it is. I'm not saying it was, 1784 01:35:29.399 --> 01:35:32.880 but that is very bad news for you. Does this 1785 01:35:33.039 --> 01:35:38.760 contractor know? Did this contractor mention anything about soft spots? 1786 01:35:40.239 --> 01:35:42.920 He agreed, and he replaced some of the deckings. 1787 01:35:44.560 --> 01:35:48.520 Oh boy, when did the falling through happen while they 1788 01:35:48.560 --> 01:35:52.359 were replacing the decking or after the decking was replaced? 1789 01:35:53.359 --> 01:35:55.520 Now, while they were replacing the decking. 1790 01:35:56.960 --> 01:35:59.399 Okay, I think you're going to be rich. 1791 01:36:00.680 --> 01:36:03.960 Even though I have a conversation with him that said 1792 01:36:03.960 --> 01:36:06.319 that he was going to take care of everything. 1793 01:36:07.079 --> 01:36:09.960 And you said, you have a conversation with him, What 1794 01:36:10.000 --> 01:36:11.439 do you mean by that? A recording? 1795 01:36:12.520 --> 01:36:13.760 Yeah? 1796 01:36:13.800 --> 01:36:14.239 On what. 1797 01:36:16.600 --> 01:36:18.079 On the fall through of the roof that? 1798 01:36:18.319 --> 01:36:21.000 He said, well, no, you have a recording? Is it 1799 01:36:21.039 --> 01:36:23.279 a recording on your cell phone? Where's the recording? 1800 01:36:24.279 --> 01:36:25.239 If on my cell phone? 1801 01:36:26.520 --> 01:36:31.560 And during the conversation, he says, was our fault? We're 1802 01:36:31.560 --> 01:36:35.600 gonna how is it worded? You have the recording? Can 1803 01:36:35.640 --> 01:36:36.720 you play that recording? 1804 01:36:38.039 --> 01:36:38.159 Uh? 1805 01:36:38.560 --> 01:36:40.840 Let me see. Hold on if I can pull it 1806 01:36:40.920 --> 01:36:41.439 up real fast. 1807 01:36:41.479 --> 01:36:43.560 Here, this is very very interesting. 1808 01:36:43.720 --> 01:36:46.399 Is maybe the insurance company, if it truly did have 1809 01:36:46.479 --> 01:36:48.640 all this damage and they were going to cover it 1810 01:36:49.880 --> 01:36:52.079 or not going to cover it, but it was related 1811 01:36:52.119 --> 01:36:55.600 to the storm. I wonder if someone like Paragon could 1812 01:36:55.680 --> 01:36:59.079 eyeball and maybe maybe the insurance company's a little here 1813 01:36:59.159 --> 01:36:59.600 to blame. 1814 01:37:00.640 --> 01:37:03.199 You're maybe the insurance cut You're right, Mark, maybe they 1815 01:37:03.239 --> 01:37:07.239 should go back and possibly pay for this. Look, we 1816 01:37:07.359 --> 01:37:11.840 can't automatically assume he's a scan. 1817 01:37:11.880 --> 01:37:16.600 Sue him and they win for this roof damage. Okay, yeah, 1818 01:37:16.720 --> 01:37:18.880 so let's say they sue him and win. Wouldn't that 1819 01:37:18.920 --> 01:37:21.640 insurance company have to step up and defend them if 1820 01:37:21.640 --> 01:37:23.640 they come after Ryan for the amount? 1821 01:37:24.000 --> 01:37:27.039 Well, so here's what my first question would be on 1822 01:37:27.119 --> 01:37:31.800 it is what caused the damage, So we'd have to 1823 01:37:31.800 --> 01:37:34.359 look at what the invoice is. If the damage is 1824 01:37:34.439 --> 01:37:40.239 something that is storm related or insurance related, then if 1825 01:37:40.279 --> 01:37:43.840 they are found that they do owe this money, then 1826 01:37:43.880 --> 01:37:44.800 they would have to pay it. 1827 01:37:45.439 --> 01:37:48.760 Need no, oh no, oh, no, we're forgetting something. 1828 01:37:49.039 --> 01:37:50.359 We're not talking about damage that. 1829 01:37:50.920 --> 01:37:54.159 What we're saying is this they were in the process 1830 01:37:54.920 --> 01:37:59.600 of replacing the decking on his roof when they fell through. 1831 01:38:00.039 --> 01:38:03.840 So I don't think it's it was anyone's. Is that 1832 01:38:03.920 --> 01:38:07.000 the roofer's responsibility? I think it is. It is so 1833 01:38:07.079 --> 01:38:10.680 they were working. If they were working on the roof, 1834 01:38:10.960 --> 01:38:14.119 If the roof was faulty and the guy fell through, 1835 01:38:14.159 --> 01:38:15.319 that's a different story. 1836 01:38:15.760 --> 01:38:18.079 Well, I don't think it's the liability of the guy 1837 01:38:18.199 --> 01:38:20.560 falling through. I don't think they're hitting him with this 1838 01:38:21.119 --> 01:38:24.560 thirty three thousand dollars because their employee was hurt. I 1839 01:38:24.600 --> 01:38:27.760 think the thirty three thousand dollars is other work they. 1840 01:38:27.600 --> 01:38:31.680 Did, right, And my point is is we would have 1841 01:38:31.720 --> 01:38:33.960 to see what that is to know whether or not 1842 01:38:33.960 --> 01:38:35.279 it's even insurance related. 1843 01:38:35.319 --> 01:38:41.039 Now, he said, Michael said, part of that thirty three 1844 01:38:41.119 --> 01:38:45.560 thousand mark is the damage caused by falling thro hold on. 1845 01:38:45.640 --> 01:38:46.119 That's fine. 1846 01:38:46.199 --> 01:38:49.079 If it is caused by the guy falling through and 1847 01:38:49.279 --> 01:38:52.039 they're coming after him for the money, wouldn't the insurance 1848 01:38:52.039 --> 01:38:55.039 company once again have to step up and at least 1849 01:38:55.039 --> 01:38:58.560 defend him, because now they're saying, hey, we fell through. 1850 01:38:58.399 --> 01:39:01.199 Your root, right, I agree with you, Yeah, but it 1851 01:39:01.520 --> 01:39:04.279 sounds like it's not. I think we're saying two different things. 1852 01:39:04.279 --> 01:39:06.279 They're not coming after them for the liability, like the 1853 01:39:06.319 --> 01:39:09.840 person getting hurt. Yeah, I agree, it's just the damage 1854 01:39:09.880 --> 01:39:10.720 that they flight. 1855 01:39:11.359 --> 01:39:13.359 That's right. Someone has a roof done. 1856 01:39:13.720 --> 01:39:16.359 Let's say one of these storms that just happened, ye, 1857 01:39:16.640 --> 01:39:19.359 and all of a sudden the shingles are bad and 1858 01:39:19.399 --> 01:39:23.119 everybody acknowledges it. The roofer comes out, then they find 1859 01:39:23.119 --> 01:39:25.720 out it needs new decking, Then they find out it 1860 01:39:25.800 --> 01:39:28.600 needs a new joist or whatever he said rights wrong? 1861 01:39:28.840 --> 01:39:34.079 I mean, wouldn't generally speaking, isn't all that covered that is? 1862 01:39:34.319 --> 01:39:36.880 Maybe maybe it is, But if it's something that's just 1863 01:39:37.000 --> 01:39:40.880 been degragated over time, or it's poor workmanship to begin with, yeah, 1864 01:39:41.279 --> 01:39:44.199 there could be reasons why they would exclude it. But again, 1865 01:39:44.239 --> 01:39:46.199 that'd be a great reason to get Mad involved, and 1866 01:39:46.319 --> 01:39:47.680 he would be able to tell you one way or 1867 01:39:47.680 --> 01:39:49.960 another if that's what they're saying is accurate. 1868 01:39:51.079 --> 01:39:54.000 Michael, what I we suggest you do at this point, 1869 01:39:54.720 --> 01:39:58.840 because this is way complicated, You should call a public 1870 01:39:58.880 --> 01:40:02.159 adjuster that we give you the name of, and have 1871 01:40:02.439 --> 01:40:04.479 him look at the letter sent to you by the 1872 01:40:04.560 --> 01:40:09.920 roofer or the invoice and have him give you an opinion. 1873 01:40:09.640 --> 01:40:13.039 And the ancile letter from the insurance company on the 1874 01:40:13.079 --> 01:40:13.680 rest of it. 1875 01:40:15.479 --> 01:40:17.720 Yeah, if there was a denial level letter. 1876 01:40:18.079 --> 01:40:21.840 You need to see if maybe your insurance company should 1877 01:40:21.840 --> 01:40:26.439 be paying Rocky Top for the additional damages. But then 1878 01:40:26.479 --> 01:40:28.399 I want to go back to another thing you said. 1879 01:40:28.840 --> 01:40:32.199 You did say that you have a real estate. 1880 01:40:31.920 --> 01:40:35.880 Friend who said the identical thing happened on another home. 1881 01:40:37.000 --> 01:40:38.479 Yeah. 1882 01:40:39.039 --> 01:40:45.520 Is she absolutely positive someone fell through the roof and 1883 01:40:45.560 --> 01:40:47.800 he's threatened to sue the homeowner. 1884 01:40:49.000 --> 01:40:52.199 Yeah, he's threatened to place the lead. He just before 1885 01:40:52.279 --> 01:40:56.359 her house was closing, he called and wanted more money 1886 01:40:57.079 --> 01:41:03.399 or he was going to lean her house, drop her sale, and. 1887 01:41:03.680 --> 01:41:08.159 Wasn't do you know if do you know that someone 1888 01:41:08.399 --> 01:41:10.039 actually fell through the roof. 1889 01:41:10.119 --> 01:41:11.119 That's what she said. 1890 01:41:12.159 --> 01:41:15.399 He said she saw the damage, the homeowner saw the 1891 01:41:15.479 --> 01:41:21.199 damage and it went through the ceiling, correct? 1892 01:41:22.399 --> 01:41:26.560 I why don't you gather that information? That is, there's 1893 01:41:26.600 --> 01:41:32.039 something weird about that that even though look, I mean, 1894 01:41:32.079 --> 01:41:35.880 there's something weird about that, truly, truly weird, even if 1895 01:41:35.920 --> 01:41:39.039 your insurance company should be responsible if there's some kind 1896 01:41:39.079 --> 01:41:42.119 of scam going on, did you ever tell your insurance 1897 01:41:42.159 --> 01:41:42.960 company about this? 1898 01:41:44.359 --> 01:41:47.720 No, I just found out this information on Friday. 1899 01:41:49.199 --> 01:41:51.720 I would tell your insurance company about it. But although 1900 01:41:51.760 --> 01:41:55.039 your insurance company didn't pay and did you tell the 1901 01:41:55.159 --> 01:41:56.439 roofer you knew about it? 1902 01:41:57.640 --> 01:42:00.000 Who would like to contact this roofer and ask about it? 1903 01:42:00.159 --> 01:42:01.000 Would you like to do that? 1904 01:42:01.119 --> 01:42:03.000 D Yeah, give him a call, right, I can give 1905 01:42:03.039 --> 01:42:04.359 him a call, you know what. 1906 01:42:04.600 --> 01:42:09.640 I want to get that previous information, Michael. Meanwhile, I 1907 01:42:09.680 --> 01:42:13.840 still want you to contact a public adjuster, okay, And 1908 01:42:14.159 --> 01:42:17.960 you're going to call Paragon Services Matt Stanford over there 1909 01:42:18.319 --> 01:42:20.800 and have him help you out. 1910 01:42:20.880 --> 01:42:21.239 Okay. 1911 01:42:21.399 --> 01:42:24.920 I really believe he might be able to get you 1912 01:42:25.000 --> 01:42:27.960 some coverage. But in the meantime, I want to look 1913 01:42:28.000 --> 01:42:33.880 at the so called coincidence between this guy following this 1914 01:42:33.960 --> 01:42:36.279 guy this roof for having someone fall. 1915 01:42:36.079 --> 01:42:38.000 Through the roof. You know who this lady is? Can 1916 01:42:38.000 --> 01:42:41.079 we contact her and hear it? Michael's going to give 1917 01:42:41.119 --> 01:42:42.600 us the information, right Michael. 1918 01:42:43.680 --> 01:42:44.680 So here's the deal. 1919 01:42:44.840 --> 01:42:47.640 I just reached out to the agent and I actually 1920 01:42:47.680 --> 01:42:50.840 asked her this on Friday if the other person would 1921 01:42:50.880 --> 01:42:54.560 be willing to tell her story, you know, to group 1922 01:42:54.640 --> 01:42:56.479 up with me to tell her story. And now I 1923 01:42:56.600 --> 01:42:59.880 just reached out to her again because you said you're fair, 1924 01:43:00.279 --> 01:43:03.640 you don't believe in coincidences. You're very interested and want 1925 01:43:03.640 --> 01:43:07.079 to know about that, you know, So if she's willing. 1926 01:43:07.119 --> 01:43:10.279 I gave her your name and number. Okay, good, good, 1927 01:43:10.359 --> 01:43:12.920 you're when you're available, you know, ten to two? 1928 01:43:12.960 --> 01:43:15.039 All right, we got to take this break. Okay, I 1929 01:43:15.079 --> 01:43:17.000 gotta take this break. It's it's mandatory. 1930 01:43:17.079 --> 01:43:25.520 Right after this, go with a sure thing Denver's Best 1931 01:43:25.600 --> 01:43:27.560 roofer Excel Roofing dot com. 1932 01:43:27.600 --> 01:43:29.640 You don't pay a cent until you're content. 1933 01:43:33.000 --> 01:43:36.560 Time for an insurance checkup free, no obligation comparison call 1934 01:43:36.640 --> 01:43:39.960 Compass Insurance paying too much your coverage at dozens of 1935 01:43:40.000 --> 01:43:42.960 insurance companies find out now three oh three seven seven 1936 01:43:43.039 --> 01:43:45.800 one help. You'll think you're his only customer when you 1937 01:43:45.880 --> 01:43:48.319 choose Frank durand the real estate Man dot com to 1938 01:43:48.399 --> 01:43:51.640 list your home with Remax Alliance three oh three nine 1939 01:43:51.640 --> 01:43:58.359 two zero sixteen twenty two. Hi Tom Martino here three 1940 01:43:58.479 --> 01:44:01.479 h three seven one three three two five five. Marianne, 1941 01:44:01.680 --> 01:44:05.920 let's get started on your case. What's going on, Marianne? 1942 01:44:06.199 --> 01:44:13.079 Oh, A nightmare? Actually, what happened a year ago? I 1943 01:44:13.239 --> 01:44:20.800 was contacted by email mind you, by the Small Business 1944 01:44:20.880 --> 01:44:28.479 Administration that I defaulted on a small business loan that 1945 01:44:28.800 --> 01:44:30.720 was taken out during COVID. 1946 01:44:31.640 --> 01:44:33.680 Oh, it sounds like a scam to me. 1947 01:44:33.880 --> 01:44:40.640 They okay, and they were going. 1948 01:44:40.520 --> 01:44:45.840 To garnish my social Security one hundred and sixty eight 1949 01:44:45.920 --> 01:44:48.960 dollars and some change. I don't remember the change part, 1950 01:44:50.560 --> 01:44:55.279 starting in September of last year, twenty twenty four. Okay, 1951 01:44:55.680 --> 01:44:58.560 and I had to provide them with storms. 1952 01:45:00.239 --> 01:45:00.479 Yeah. 1953 01:45:00.640 --> 01:45:02.840 Hold on, hold on, I smell. 1954 01:45:03.199 --> 01:45:05.359 I smell a scamca hang on, Let's see what we 1955 01:45:05.399 --> 01:45:08.119 can do to help you. This is Marianne talking about 1956 01:45:08.159 --> 01:45:13.359 a nightmare that happened when somebody contacted her about defaulting. 1957 01:45:12.800 --> 01:45:15.880 On a loan. This is a cautionary tale. Let's see 1958 01:45:15.880 --> 01:45:18.760 what we can do. I'm Tom Martino three O three 1959 01:45:18.800 --> 01:45:21.079 seven one three eight two five five. If you want to. 1960 01:45:21.079 --> 01:45:27.920 Get in, go with a sure thing Denver's best roofer 1961 01:45:28.039 --> 01:45:29.560 Excel Roofing dot com. 1962 01:45:29.600 --> 01:45:31.600 You don't pay a cent until you're content. 1963 01:45:34.960 --> 01:45:38.159 Time for an insurance check up, free, no obligation comparison 1964 01:45:38.279 --> 01:45:41.840 call Compass Insurance. Pay too much your coverage at dozens 1965 01:45:41.880 --> 01:45:44.600 of insurance companies find out now three oh three, seven 1966 01:45:44.600 --> 01:45:46.960 to seven to one help. You'll think you're his only 1967 01:45:47.039 --> 01:45:49.520 customer when you choose Frank durand the real estate Man 1968 01:45:49.560 --> 01:45:52.960 dot com to list your home with Remax Alliance three 1969 01:45:53.039 --> 01:46:00.880 oh three nine two zero sixteen twenty two, ripped. 1970 01:46:04.079 --> 01:46:08.880 You need advice? Who you don't have to come running 1971 01:46:09.119 --> 01:46:10.520 just as fast as we can. 1972 01:46:11.399 --> 01:46:15.600 Shooter's gonna help come Man Dix. 1973 01:46:16.000 --> 01:46:22.119 Is the Troubleshooter Show. Now, Tom Martino, Hi, Tom Martino here, 1974 01:46:22.199 --> 01:46:23.079 Welcome to the show. 1975 01:46:23.159 --> 01:46:26.600 This is the place where you can have problem solved, 1976 01:46:27.279 --> 01:46:29.279 questions answered, complaints resolved. 1977 01:46:29.279 --> 01:46:31.800 And you know what, we have had such a frickin 1978 01:46:31.920 --> 01:46:34.880 busy day today, So I'm gonna go without further ado. 1979 01:46:34.960 --> 01:46:38.000 Back to the phones. Marianne has an issue with a 1980 01:46:39.800 --> 01:46:44.000 Small Business Administration. Here's what happened. 1981 01:46:44.000 --> 01:46:46.680 First of all, Marianne, it all began what with a 1982 01:46:46.800 --> 01:46:48.960 letter from supposedly from the SBA. 1983 01:46:49.159 --> 01:46:49.920 Is that what it was? 1984 01:46:51.840 --> 01:46:59.000 It was an email? An email from the Small Business Administration. 1985 01:46:59.640 --> 01:47:07.560 The email male titles was PPP ID theft inquiries at 1986 01:47:07.600 --> 01:47:10.359 the small bus at the SBA dot gov. 1987 01:47:10.960 --> 01:47:12.640 Okay, now here's what I want to know. 1988 01:47:13.199 --> 01:47:18.159 There are two different scenarios that happened Marianne during this time. 1989 01:47:18.600 --> 01:47:24.720 One where people truly did have PPP loans taken out 1990 01:47:25.079 --> 01:47:29.840 in their name fraudulently and the SBA was truly looking 1991 01:47:29.880 --> 01:47:36.079 into them. The next scenario was when someone never had 1992 01:47:36.199 --> 01:47:39.399 a loan taken out and it was a phishing expedition 1993 01:47:39.880 --> 01:47:42.319 to try to get you to hit a link and 1994 01:47:42.479 --> 01:47:43.600 submit information. 1995 01:47:44.239 --> 01:47:45.560 I don't know which it was. 1996 01:47:46.199 --> 01:47:49.359 Did anyone actually take a loan out in your name? 1997 01:47:50.840 --> 01:47:55.039 Apparently yes, okay, And so what happened then? 1998 01:47:57.319 --> 01:48:01.960 The only thing that the sd gave me was a 1999 01:48:02.720 --> 01:48:08.960 identity theft complaint number, the only thing I have to 2000 01:48:09.039 --> 01:48:15.159 work with, no information about the loans, no information as 2001 01:48:15.239 --> 01:48:17.239 to the name of the business. 2002 01:48:16.880 --> 01:48:18.279 That's pretty normal. 2003 01:48:18.479 --> 01:48:21.319 Basically, they're going to marry in, they're going to investigate it, 2004 01:48:21.359 --> 01:48:22.920 and they're not going to garnish your. 2005 01:48:22.800 --> 01:48:28.560 Social Security check while they're doing that. Well, so tell 2006 01:48:28.600 --> 01:48:31.640 me what they did. They started taking your social Security 2007 01:48:31.720 --> 01:48:34.159 check September. 2008 01:48:35.319 --> 01:48:38.840 The middle of September when my social Security check came out, 2009 01:48:38.960 --> 01:48:43.239 Oh my god, was reduced one hundred and sixty eight dollars. 2010 01:48:43.000 --> 01:48:43.800 And some change. 2011 01:48:44.359 --> 01:48:45.800 And how long are they going to do that? 2012 01:48:47.399 --> 01:48:50.319 They did the same thing in October and I have 2013 01:48:50.439 --> 01:48:52.159 been fighting it and. 2014 01:48:52.239 --> 01:48:54.479 How long are they going to how long? How much 2015 01:48:54.520 --> 01:48:55.520 do they say you owe? 2016 01:48:57.279 --> 01:49:03.359 They didn't tell me how much, child, Oh, I don't 2017 01:49:03.399 --> 01:49:12.079 know how much I owe? And I have sent every 2018 01:49:12.159 --> 01:49:18.359 document they've asked for, which was tax returns for twenty nineteen, 2019 01:49:18.560 --> 01:49:27.920 twenty twenty twenty twenty one IRS transcript transcript sorry transcripts 2020 01:49:28.119 --> 01:49:33.199 for the years twenty nineteen and twenty twenty and twenty 2021 01:49:33.279 --> 01:49:41.359 twenty one. A picture of my ID and I mistakenly 2022 01:49:41.479 --> 01:49:46.079 didn't do it correctly by trying to do a selfie 2023 01:49:46.199 --> 01:49:51.000 with holding up my driver's license next to my face. 2024 01:49:52.479 --> 01:49:58.800 That's on me, I guess, But the IRS form forty 2025 01:49:58.880 --> 01:50:00.840 five six dash T. 2026 01:50:04.359 --> 01:50:07.039 Here's the thing, Marianne wait, I'm sorry. Did you never 2027 01:50:07.159 --> 01:50:11.479 do the id ME? She did it? That's what she said. 2028 01:50:11.520 --> 01:50:14.880 I thought. Okay, I don't know. Did you do it 2029 01:50:15.000 --> 01:50:18.840 id me? 2030 01:50:19.279 --> 01:50:23.319 I have an id me account yet, Okay. 2031 01:50:23.680 --> 01:50:27.279 When you go to the id me account, there is 2032 01:50:27.319 --> 01:50:31.479 a tab there for accounts of things that you owe 2033 01:50:31.479 --> 01:50:34.960 the government or the government owes you or things. Do 2034 01:50:35.039 --> 01:50:39.039 you have you ever looked at your profile on the 2035 01:50:39.119 --> 01:50:40.680 id ME account? 2036 01:50:42.800 --> 01:50:43.600 I don't know how? 2037 01:50:44.359 --> 01:50:45.920 Okay? 2038 01:50:45.920 --> 01:50:46.239 Have you? 2039 01:50:47.279 --> 01:50:50.920 Have you ever been able to talk to anyone at 2040 01:50:50.960 --> 01:50:56.920 the Small Business Administration or anywhere with the government about this, 2041 01:50:57.119 --> 01:50:58.840 like actually talk to someone? 2042 01:51:00.279 --> 01:51:00.800 No? 2043 01:51:02.000 --> 01:51:10.920 Why because all I have is the email address Tom. 2044 01:51:12.279 --> 01:51:16.479 I have nothing else there's a there's a small business 2045 01:51:16.560 --> 01:51:20.399 or an SBA office in Denver. I think it's right 2046 01:51:20.399 --> 01:51:23.880 around nineteenth Street, and you can call over there and 2047 01:51:23.920 --> 01:51:25.079 schedule an appointment. 2048 01:51:25.119 --> 01:51:30.239 That's the first thing I'd get going. Now, Marion, you 2049 01:51:30.399 --> 01:51:33.479 have no idea how much the loan was supposedly for 2050 01:51:33.880 --> 01:51:34.560 or anything. 2051 01:51:36.000 --> 01:51:39.640 No, they've given me no information whatsoever. 2052 01:51:42.119 --> 01:51:45.359 You just got to notice saying that they're investigating. 2053 01:51:45.840 --> 01:51:51.399 Took a Small Business Administration here in Denver. Seriously, I 2054 01:51:51.479 --> 01:52:03.000 had to use GPS, and I seriously could not figure 2055 01:52:03.000 --> 01:52:06.760 out how to get to the parking lot of the 2056 01:52:06.800 --> 01:52:09.479 Small Business Administration in Denver. 2057 01:52:10.800 --> 01:52:12.960 So they do not answer the phone. 2058 01:52:13.960 --> 01:52:20.520 Yeah, it is very difficult. Okay, but you do have 2059 01:52:20.560 --> 01:52:25.520 an account number or a case number, right, I have. 2060 01:52:26.159 --> 01:52:35.680 A identity set complaint number. That is all I have. 2061 01:52:39.199 --> 01:52:40.439 Man, this is terrible. 2062 01:52:42.159 --> 01:52:42.359 Yeah. 2063 01:52:42.439 --> 01:52:48.439 I contacted a lawyer. I was finally able to reach 2064 01:52:48.680 --> 01:52:54.520 somebody at Robinson and Henry and paid one hundred and 2065 01:52:54.560 --> 01:53:01.439 forty five dollar retainer for a thirty minute consultation. And 2066 01:53:01.479 --> 01:53:06.199 the lady told me I did have a good case, 2067 01:53:08.520 --> 01:53:12.560 but that my only recourse was to file bankruptcy against 2068 01:53:12.640 --> 01:53:13.520 them to end this. 2069 01:53:15.600 --> 01:53:18.319 Well, here's what she thought, She probably thought that. 2070 01:53:18.279 --> 01:53:20.760 Would be the easiest thing to do it, except bankruptcy 2071 01:53:20.800 --> 01:53:24.399 won't get you out of fraud. So I don't even 2072 01:53:24.479 --> 01:53:26.079 understand what she's talking about. 2073 01:53:26.520 --> 01:53:26.920 Fraud. 2074 01:53:27.520 --> 01:53:30.760 This is they're coming after you for fraud. They're not 2075 01:53:30.800 --> 01:53:34.079 coming after you for repayment. They're coming well, yeah, repayment, 2076 01:53:34.359 --> 01:53:37.960 but they're saying it was a fraudulent loan. So bankruptcy 2077 01:53:38.039 --> 01:53:39.319 is not going to get you out of it. 2078 01:53:40.439 --> 01:53:42.359 You can go to that office away. 2079 01:53:42.479 --> 01:53:45.960 It's open every day from eight am to four point 2080 01:53:45.960 --> 01:53:48.800 thirty pm. 2081 01:53:49.239 --> 01:53:49.840 In order. 2082 01:53:51.199 --> 01:53:55.760 Against this, just take an uber the amount of the loan. 2083 01:53:57.079 --> 01:54:01.439 I have to have all the information for this law. No, okay, 2084 01:54:01.680 --> 01:54:02.439 I have nothing. 2085 01:54:03.880 --> 01:54:05.359 Can I answer the super questions? 2086 01:54:06.079 --> 01:54:06.520 Marianne? 2087 01:54:06.520 --> 01:54:08.479 Do you have Do you have a small business? 2088 01:54:10.640 --> 01:54:10.960 Don't know? 2089 01:54:12.800 --> 01:54:18.000 No, should there's never, never, ever has a small business ever? 2090 01:54:18.760 --> 01:54:22.000 Do you have your original the all the emails that 2091 01:54:22.039 --> 01:54:22.800 were sent to you? 2092 01:54:23.800 --> 01:54:27.239 Yes, I do, Hey, Doc, why don't you take a stab? 2093 01:54:27.560 --> 01:54:31.520 Really, Doc, seriously, you work, you work a lot with 2094 01:54:31.640 --> 01:54:33.439 seniors at aarp of him. 2095 01:54:33.760 --> 01:54:37.720 Any information at that office on her that will never happen. 2096 01:54:39.039 --> 01:54:40.039 God Almighty. 2097 01:54:40.199 --> 01:54:44.000 So, Marianne, if the problem is that you can't find 2098 01:54:44.000 --> 01:54:47.039 a parking spot. Just take an uber down there and 2099 01:54:47.079 --> 01:54:48.199 have them drop you off. 2100 01:54:50.399 --> 01:54:52.520 I don't trust them, you'll trust you. 2101 01:54:52.640 --> 01:54:56.119 Don't trust who ubers? You gotta get down well wait, wait, 2102 01:54:56.199 --> 01:54:58.760 we can't help you there, Marianne. If you can't take 2103 01:54:58.800 --> 01:55:01.119 public transportation, for God's sakes. 2104 01:55:00.800 --> 01:55:02.960 We can't help you. I mean, you got to go 2105 01:55:03.000 --> 01:55:04.800 down there and make an appointment. You got to go 2106 01:55:04.840 --> 01:55:13.600 down there and talk to them. Who don't you trust, Marianne? 2107 01:55:14.680 --> 01:55:19.680 I will, I will see if I can get I 2108 01:55:19.800 --> 01:55:23.399 have a the RTD for seniors. 2109 01:55:24.079 --> 01:55:26.479 Yeah, good friends, good. 2110 01:55:26.640 --> 01:55:28.439 I will see if I can get one of them 2111 01:55:28.479 --> 01:55:29.560 to drop me off there. 2112 01:55:30.720 --> 01:55:34.000 Here's why you have If you take your emails with 2113 01:55:34.079 --> 01:55:37.119 you and your ID number, they're gonna help you. They're 2114 01:55:37.119 --> 01:55:39.560 not going to send you away without talking to you. 2115 01:55:40.359 --> 01:55:43.720 This is terrible. I mean, this could happen to anyone. 2116 01:55:44.479 --> 01:55:48.520 So Mark, what do you suspect somebody took out. 2117 01:55:48.359 --> 01:55:49.279 A loan in her name? 2118 01:55:49.439 --> 01:55:53.439 Absolutely, and she's got to get down to that office. 2119 01:55:53.720 --> 01:55:56.600 It's important, Marianne. I used to work for this small 2120 01:55:56.640 --> 01:56:01.159 business administration. They're very can you and you're easy to 2121 01:56:01.239 --> 01:56:04.000 work with. You need to get down there, and if 2122 01:56:04.039 --> 01:56:06.600 I have to, I'd even drive you down there, But 2123 01:56:06.720 --> 01:56:09.520 you have to go there in person and make an appointment. 2124 01:56:09.560 --> 01:56:15.039 And I believe they will help you. I think so too. 2125 01:56:16.479 --> 01:56:19.800 I will certainly try it because I'll print out all 2126 01:56:19.880 --> 01:56:21.000 the emails that I. 2127 01:56:21.000 --> 01:56:23.319 Have exactly exactly. 2128 01:56:22.960 --> 01:56:29.760 And the responses that I gave, and do this thing I have. 2129 01:56:30.039 --> 01:56:32.960 But let me give you a note. Let me give 2130 01:56:33.000 --> 01:56:35.800 you a note on how to complain with them. Serious 2131 01:56:35.840 --> 01:56:38.279 and I'm serious now, I'm not kidding. When you go 2132 01:56:38.399 --> 01:56:42.800 down there, start you start with the idea that your 2133 01:56:42.920 --> 01:56:44.680 social security. 2134 01:56:44.640 --> 01:56:50.840 Is now being is now being garnished. You start there, 2135 01:56:50.920 --> 01:56:55.279 say my social security is being garnished for money. 2136 01:56:55.319 --> 01:56:59.199 They say I owe you. Start with that, then work backwards. 2137 01:56:59.560 --> 01:57:02.760 Don't go back to the beginning saying I got a 2138 01:57:02.880 --> 01:57:05.960 letter from you guys saying I was in default. Start 2139 01:57:06.199 --> 01:57:10.920 from now and work backwards. So many people do just 2140 01:57:10.960 --> 01:57:14.039 the opposite when it comes to complaining. They feel they 2141 01:57:14.079 --> 01:57:18.720 have to be chronological. You can be chronological with a 2142 01:57:18.800 --> 01:57:23.479 complaint after you give the initial complaint. 2143 01:57:23.520 --> 01:57:25.640 The initial complaint should always. 2144 01:57:25.359 --> 01:57:28.159 Start with today and work backwards, and then you can 2145 01:57:28.159 --> 01:57:29.760 be chronological all you want. 2146 01:57:30.079 --> 01:57:32.560 But I would make that appointment. 2147 01:57:32.279 --> 01:57:37.800 Took But if they will continue the garnishment after two months. 2148 01:57:38.079 --> 01:57:40.520 Well, when did did they stop garning? Wait? Wait wait 2149 01:57:40.560 --> 01:57:42.840 wait wait wait did they stop garnishing? 2150 01:57:43.039 --> 01:57:48.119 They stopped? Yes, they stopped. Not they took September, they 2151 01:57:48.159 --> 01:57:50.199 took October and that was all. 2152 01:57:50.880 --> 01:57:53.840 Yeah, and that okay? And why do you Mark, why 2153 01:57:53.840 --> 01:57:54.960 do you think they stopped? 2154 01:57:55.039 --> 01:57:57.279 Because why do you think they because she filled out 2155 01:57:57.279 --> 01:58:00.119 the fraud claim, that's why. 2156 01:58:00.600 --> 01:58:02.640 Okay, that didn't. 2157 01:58:02.439 --> 01:58:08.000 Keep them from asking for more documentations. 2158 01:58:07.520 --> 01:58:13.840 But they stopped. Obviously, obviously you hit a nerve, Marianne. 2159 01:58:14.039 --> 01:58:17.119 You did get them to stop. That's very important. 2160 01:58:17.159 --> 01:58:19.239 It's not even a nerve when you claim the fraud 2161 01:58:19.319 --> 01:58:21.760 they'll quit garnishing. I mean that should have been done 2162 01:58:22.079 --> 01:58:25.119 on your first notices. Then they wouldn't have even taken 2163 01:58:25.159 --> 01:58:29.960 those couple months. So when will she get that money back? 2164 01:58:31.960 --> 01:58:35.399 They contacted me last Tuesday and said that they have 2165 01:58:35.560 --> 01:58:38.920 determined that I still oh that this is my debt 2166 01:58:38.960 --> 01:58:43.279 to I still owe this debt. This is my debt 2167 01:58:43.640 --> 01:58:45.079 I took out that loan. 2168 01:58:45.880 --> 01:58:47.319 Okay, they did tell you that. 2169 01:58:47.560 --> 01:58:50.760 At a point, and go in and find out what 2170 01:58:50.920 --> 01:58:51.560 to do and. 2171 01:58:51.640 --> 01:58:55.000 Possibly, okay, Marianne. 2172 01:58:55.079 --> 01:58:56.359 Get a lawyer to help me. 2173 01:58:56.479 --> 01:58:58.199 I guess, Well, I don't know if you need an 2174 01:58:58.199 --> 01:59:02.199 attorney first to that business, that person a person, but. 2175 01:59:02.279 --> 01:59:05.680 Marianne, So you expect them to start garnishing again. 2176 01:59:07.199 --> 01:59:08.880 I do, I really do. 2177 01:59:09.319 --> 01:59:13.760 Because they called you and they said, Marianne, we've determined 2178 01:59:13.800 --> 01:59:15.039 this is a valid debt. 2179 01:59:17.279 --> 01:59:21.039 Tom. They never called me. It all done by email. 2180 01:59:22.039 --> 01:59:26.000 They contacted you and said we have determined this is 2181 01:59:26.039 --> 01:59:32.720 a valid debt. Yeah, okay, I think then our original 2182 01:59:33.239 --> 01:59:38.000 information was correct, even though they only took two months. 2183 01:59:38.359 --> 01:59:41.079 You should go down there and tell them two. 2184 01:59:40.920 --> 01:59:44.359 Months of your social security was garnished and you just 2185 01:59:44.399 --> 01:59:48.000 got an email saying this is valid, and you're afraid 2186 01:59:48.000 --> 01:59:49.680 they're going to start garnishing again. 2187 01:59:50.319 --> 01:59:52.039 That is exactly what I would do. 2188 01:59:52.439 --> 01:59:55.279 Go down there as soon as possible, and then call 2189 01:59:55.399 --> 01:59:57.079 us back and let us know what happens. 2190 01:59:57.319 --> 01:59:59.840 I'm Tom Martine. We have more coming up. 2191 02:00:05.479 --> 02:00:08.760 Go with a sure thing Denver's Best Roofer Excel Roofing 2192 02:00:08.840 --> 02:00:09.439 dot com. 2193 02:00:09.479 --> 02:00:11.520 You don't pay a cent until you're content. 2194 02:00:14.880 --> 02:00:18.079 Time for an insurance check up free no obligation comparison 2195 02:00:18.199 --> 02:00:21.760 call Compass Insurance paying too much your coverage at dozens 2196 02:00:21.760 --> 02:00:24.479 of insurance companies find out now three all three seven 2197 02:00:24.520 --> 02:00:26.880 to seven to one help. You'll think you're his only 2198 02:00:26.960 --> 02:00:29.439 customer when you choose Frank Durand the real Estate Man 2199 02:00:29.479 --> 02:00:32.920 dot com to list your home with Remax Alliance three 2200 02:00:32.920 --> 02:00:36.680 oh three nine two zero sixteen twenty two. Hi, Tom 2201 02:00:36.720 --> 02:00:39.399 Martino three oh three seven one three talk seven one 2202 02:00:39.399 --> 02:00:41.560 three two five five. Frank Ran the real estate Man 2203 02:00:41.720 --> 02:00:44.039 will tell you what your house will sell for or 2204 02:00:44.159 --> 02:00:48.520 give you an estimate an a not an appraisal, evaluation 2205 02:00:49.319 --> 02:00:50.760 based on market conditions. 2206 02:00:50.840 --> 02:00:54.159 You can depend on Frank. It's free of charge, no obligation. 2207 02:00:54.239 --> 02:00:57.560 If you're thinking about listing Frank Durandereestate Maan dot com 2208 02:00:57.560 --> 02:01:00.960 three o three nine two zero sixteen twenty two. Brian Burns, 2209 02:01:00.960 --> 02:01:06.159 Do we have any comparisons to make on homeowner's insurance 2210 02:01:06.239 --> 02:01:10.000 or auto insurance or any kind of quote quote Compass 2211 02:01:10.039 --> 02:01:13.079 dot com or the Insurancehealthcenter dot com. 2212 02:01:13.119 --> 02:01:14.039 What's going on? Brian? 2213 02:01:14.199 --> 02:01:14.439 Yeah? 2214 02:01:14.520 --> 02:01:17.000 I have one here that I thought was pretty interesting. 2215 02:01:17.199 --> 02:01:21.560 It looks like someone called us they are with Farmers 2216 02:01:21.920 --> 02:01:26.479 Insurance and they did not realize that. Once we actually 2217 02:01:26.560 --> 02:01:29.119 had their declaration pages, we were able to show them 2218 02:01:29.199 --> 02:01:32.399 that they have a two percent wind hail deductible. 2219 02:01:32.880 --> 02:01:35.720 Explain what that is a two percent wind hail deductible. 2220 02:01:35.760 --> 02:01:36.960 Explain that to that, So. 2221 02:01:36.960 --> 02:01:40.000 That means whatever your dwelling limit is in this case 2222 02:01:40.000 --> 02:01:42.560 it was six hundred thousand, a six hundred thousand dollars 2223 02:01:42.600 --> 02:01:48.239 dwelling limit, their deductible is two percent of that wind 2224 02:01:48.239 --> 02:01:51.159 hail deduct of that dwelling limit. So that would equate 2225 02:01:51.199 --> 02:01:53.319 out to twelve thousand dollars deductible. 2226 02:01:53.520 --> 02:01:57.159 For a twelve thousand dollars deductible they have, but it's 2227 02:01:57.199 --> 02:01:57.760 worse than that. 2228 02:01:58.119 --> 02:02:03.279 So in addition, they have what is called a roof schedule, 2229 02:02:03.319 --> 02:02:06.960 which is essentially actual cash value settlement on the roof. 2230 02:02:07.600 --> 02:02:11.520 The roof is thirteen years old, so they don't have 2231 02:02:11.680 --> 02:02:14.840 roof coverage. You know, if you look at what the 2232 02:02:14.920 --> 02:02:16.239 roof schedule amount is. 2233 02:02:17.000 --> 02:02:17.560 By the way, a. 2234 02:02:17.680 --> 02:02:20.960 Roof schedule means that your roof is worth this much 2235 02:02:21.079 --> 02:02:25.199 in twenty twenty five, this much in twenty twenty six, 2236 02:02:25.680 --> 02:02:28.760 this much in twenty twenty seven, or or how many 2237 02:02:28.840 --> 02:02:32.399 years from new go ahead exactly, and that yeah, it 2238 02:02:32.479 --> 02:02:35.479 shows you once your roof gets to a certain age, 2239 02:02:35.560 --> 02:02:38.720 you have to look at what that schedule says and 2240 02:02:38.760 --> 02:02:42.279 it will tell you what portion of the roof replacement 2241 02:02:42.439 --> 02:02:46.640 they will pay. So ultimately, they had little to no 2242 02:02:46.800 --> 02:02:50.039 coverage for the roof. We've put them or we got 2243 02:02:50.159 --> 02:02:53.319 quotes at least to them for a company called Acuity 2244 02:02:54.000 --> 02:02:57.760 and for auto home and umbrella. They didn't have an 2245 02:02:57.800 --> 02:02:59.960 umbrella before, so we added an umbrella. We got the 2246 02:03:00.199 --> 02:03:03.079 replacement cost on the roof, and we saved them about 2247 02:03:03.079 --> 02:03:04.319 three hundred dollars a year. 2248 02:03:05.319 --> 02:03:10.680 Oh my god, you got them full replacement cost above 2249 02:03:10.720 --> 02:03:12.880 that atrocious coverage. 2250 02:03:13.039 --> 02:03:17.079 Ye plus save the money. Do they understand how lucky 2251 02:03:17.119 --> 02:03:18.199 they were to call you? 2252 02:03:18.479 --> 02:03:18.760 Yeah? 2253 02:03:18.800 --> 02:03:21.640 I think and I'm not the one that talked with them. 2254 02:03:22.119 --> 02:03:24.600 Sometimes people will hear the three hundred dollars and think, well, 2255 02:03:24.680 --> 02:03:27.359 that's not much of a saving. Since we try to explain, 2256 02:03:27.760 --> 02:03:30.479 I get it, but you have replacement cost on your 2257 02:03:30.520 --> 02:03:31.520 roof now you don't. 2258 02:03:31.560 --> 02:03:35.399 Before they they essentially had no coverage on their roof. 2259 02:03:35.680 --> 02:03:38.239 Had they had a hailstorm and it was a sixty 2260 02:03:38.319 --> 02:03:39.720 thousand dollars roof. 2261 02:03:39.720 --> 02:03:41.479 They would have covered the entire thing. 2262 02:03:41.960 --> 02:03:44.840 Yeah, this new quote would cover the entire thing, but 2263 02:03:45.000 --> 02:03:45.920 they before. 2264 02:03:45.680 --> 02:03:47.520 They would have been they would have had to pay 2265 02:03:47.560 --> 02:03:49.159 out of pocket. You got it exactly. 2266 02:03:49.159 --> 02:03:51.800 And that's my point is it's if there was a loss, 2267 02:03:51.840 --> 02:03:54.359 you would realize how big of a savings that is. 2268 02:03:54.800 --> 02:03:58.279 And you know, I'm not trying to cast any illusions. 2269 02:03:58.319 --> 02:04:01.880 As roofs get older, it is hard. It's becoming more 2270 02:04:01.920 --> 02:04:05.279 and more difficult to find companies that will do replacement 2271 02:04:05.359 --> 02:04:06.000 costs on that. 2272 02:04:06.800 --> 02:04:08.039 But I think the key is. 2273 02:04:09.039 --> 02:04:10.720 What we always try to do is we try to 2274 02:04:10.760 --> 02:04:13.560 tell people, Hey, here's your options. Do you want a 2275 02:04:13.640 --> 02:04:15.880 lower premium right, well, then you're going to have a 2276 02:04:15.960 --> 02:04:20.000 higher deductible. But we make sure they understand that exactly. 2277 02:04:20.079 --> 02:04:24.159 Let's talk to Ruby, now, Ruby, what's going on with 2278 02:04:24.279 --> 02:04:28.439 your twenty thirteen Chevy Equinox. 2279 02:04:30.079 --> 02:04:37.520 Okay, I'm Rubing and I live in Atlanta, Georgia. Okay, 2280 02:04:36.720 --> 02:04:41.800 it was so, it was so about three months ago. 2281 02:04:42.600 --> 02:04:43.880 Okay, we put. 2282 02:04:43.680 --> 02:04:45.720 A brand new battery in it. 2283 02:04:46.439 --> 02:04:49.359 We put a brand new battery. 2284 02:04:49.680 --> 02:04:51.319 In it since we got it. 2285 02:04:51.520 --> 02:04:54.199 But it won't do anything and it. 2286 02:04:54.319 --> 02:04:55.640 Was so bad. 2287 02:04:56.800 --> 02:05:05.640 A one also gallery a seventy two Coverton Highway, Decatur, Georgia. 2288 02:05:05.680 --> 02:05:08.800 Hey, Ruby, when did you how long ago did you 2289 02:05:08.840 --> 02:05:09.279 buy it? 2290 02:05:09.560 --> 02:05:10.319 By? 2291 02:05:10.479 --> 02:05:11.439 Three months ago? 2292 02:05:12.039 --> 02:05:15.520 Three months? Did you have trouble from the beginning? 2293 02:05:16.520 --> 02:05:18.880 And I had trouble from the beginning. 2294 02:05:19.359 --> 02:05:23.239 I have tried to reach out to him, but he 2295 02:05:23.279 --> 02:05:25.680 would not call me back. He was my daughter, it's 2296 02:05:25.720 --> 02:05:26.840 my daughter laws. 2297 02:05:26.760 --> 02:05:30.399 Calm, okay, how much did you pay for it? 2298 02:05:31.479 --> 02:05:34.600 Pretty close to six thousand dollars cash? 2299 02:05:36.600 --> 02:05:39.800 And and did you get any kind of a warranty 2300 02:05:39.880 --> 02:05:45.520 or was it as is as ill? And did you 2301 02:05:46.319 --> 02:05:49.359 have it checked out by anyone? No? 2302 02:05:50.119 --> 02:05:55.039 Her and my son when he got it. But he 2303 02:05:55.079 --> 02:05:58.479 would not answer, no cow at all. 2304 02:05:59.359 --> 02:06:04.600 And he said, Atlanta, I'll come to the highway and 2305 02:06:04.680 --> 02:06:06.159 I've been reaching out. 2306 02:06:06.439 --> 02:06:09.640 Camel five, camel tooom. 2307 02:06:09.720 --> 02:06:11.079 Please reach out to. 2308 02:06:11.000 --> 02:06:12.159 Me and call me. 2309 02:06:12.760 --> 02:06:15.920 My noma is say, okay, hold no, no, no, no, no, Ruby, 2310 02:06:15.960 --> 02:06:18.600 don't give your number out right now. So so right now, 2311 02:06:18.960 --> 02:06:21.359 your son and daughter in law bought a twenty thirteen 2312 02:06:21.479 --> 02:06:25.680 Chevy Equinox for six grand as is And what did 2313 02:06:25.760 --> 02:06:28.319 you have to do other than a new battery? What's 2314 02:06:28.359 --> 02:06:29.039 wrong with it? 2315 02:06:30.319 --> 02:06:33.840 They everybody that the mechanic that looked at say, the 2316 02:06:34.000 --> 02:06:35.239 motor is gone. 2317 02:06:35.600 --> 02:06:38.479 Oh oh uh oh. So they can't even drive it 2318 02:06:38.560 --> 02:06:41.520 right now. They can't even drive it. 2319 02:06:41.640 --> 02:06:44.920 She can't even get her test or nothing. 2320 02:06:46.479 --> 02:06:46.920 Okay. 2321 02:06:48.640 --> 02:06:51.520 The name of the the name of the place is 2322 02:06:51.560 --> 02:06:56.159 what that she bought it. You said a one auto gallery. 2323 02:06:56.479 --> 02:06:59.319 A one auto gallery, right right? 2324 02:06:59.439 --> 02:07:00.279 Uh huh? 2325 02:07:00.439 --> 02:07:04.199 Okay, here, I'm going to give it to someone who 2326 02:07:04.239 --> 02:07:07.640 wants to take a shot, maybe, Bo, Hey, Bo, how 2327 02:07:07.640 --> 02:07:10.960 about taking a shot at your Georgia accent and call 2328 02:07:11.079 --> 02:07:14.399 down there to uh a one auto gallery at least 2329 02:07:14.439 --> 02:07:15.680 see what they say. 2330 02:07:16.640 --> 02:07:20.000 A Enoma you hold on, I want that. 2331 02:07:20.359 --> 02:07:23.239 I want that number in a second here, Okay, what's 2332 02:07:23.279 --> 02:07:23.760 the number? 2333 02:07:25.359 --> 02:07:37.399 M h huh yeah, okay, all right, I'll tell you what. 2334 02:07:37.880 --> 02:07:40.840 Hold on and we've been reaching out. 2335 02:07:41.479 --> 02:07:45.840 Now listen, I want to tell you something, Okay. I 2336 02:07:45.960 --> 02:07:51.840 just hope there may not be unless this dealer is 2337 02:07:52.560 --> 02:07:55.560 stand up or something, we may not be able to 2338 02:07:55.600 --> 02:07:56.119 do anything. 2339 02:07:56.159 --> 02:07:57.279 If you bought it as is. 2340 02:07:57.560 --> 02:08:01.319 I want to check the laws in in Georgia about 2341 02:08:01.680 --> 02:08:03.439 as is. But I think it's going to be the 2342 02:08:03.479 --> 02:08:06.920 same as here in Colorado. I think you may see 2343 02:08:06.960 --> 02:08:09.680 here's the problem, Ruby. If you buy it as is, 2344 02:08:10.279 --> 02:08:14.399 you buy it with all the trouble. You know that, right, right, 2345 02:08:15.159 --> 02:08:20.159 So it's possible there's nothing the mecca. I mean, the 2346 02:08:20.840 --> 02:08:25.800 dealer might say it's your problem. Okay, hold on, I 2347 02:08:25.800 --> 02:08:27.640 got to take a break hold on, Bo, would you 2348 02:08:27.680 --> 02:08:29.720 take this and see if we can make a call 2349 02:08:29.760 --> 02:08:36.680 for Okay, we got more coming right up. Go with 2350 02:08:36.760 --> 02:08:40.319 a sure thing Denver's best roofer Excel Roofing dot com. 2351 02:08:40.359 --> 02:08:46.079 You don't pay a cent until you're content. Time for 2352 02:08:46.119 --> 02:08:49.319 an insurance check up free, no obligation. In comparison, call 2353 02:08:49.439 --> 02:08:52.720 Compass Insurance paying too much your coverage at dozens of 2354 02:08:52.760 --> 02:08:55.439 insurance companies find out now three oh three seven to 2355 02:08:55.479 --> 02:08:58.279 seven to one help. You'll think you're his only customer 2356 02:08:58.319 --> 02:09:00.560 when you choose Frank durand the real estate Man dot 2357 02:09:00.600 --> 02:09:03.920 com to list your home with Remax Alliance three oh 2358 02:09:03.960 --> 02:09:05.920 three nine two zero sixteen twenty two. 2359 02:09:07.600 --> 02:09:10.279 Hi Tom Martino here three O three seven one three 2360 02:09:10.760 --> 02:09:14.239 talk seven one three eight two five five. Hey Victoria, 2361 02:09:14.279 --> 02:09:17.600 what's going on with you? Hi? 2362 02:09:18.039 --> 02:09:18.640 Do you hear me? 2363 02:09:19.399 --> 02:09:24.439 Yes? I Ken, Victoria, what's going on with you? So? 2364 02:09:24.640 --> 02:09:29.239 My mom and I uh started paying on a car 2365 02:09:29.439 --> 02:09:31.560 from a dealership, and. 2366 02:09:33.840 --> 02:09:35.079 It turns out that. 2367 02:09:35.920 --> 02:09:40.079 The issues I'm having, multiple people are having. 2368 02:09:41.239 --> 02:09:46.720 Okay, it's a twenty sixteen surrender. It's when did you 2369 02:09:46.800 --> 02:09:47.199 buy it? 2370 02:09:49.680 --> 02:09:51.399 When did we start paying on it? 2371 02:09:52.680 --> 02:09:53.000 Yeah? 2372 02:09:53.319 --> 02:09:55.199 November or it was late. 2373 02:09:55.159 --> 02:10:00.439 November, okay, and that's when you bought it, right, you 2374 02:10:00.479 --> 02:10:07.840 bought it in November, yeah, okay, And and what went 2375 02:10:07.880 --> 02:10:08.520 wrong with it? 2376 02:10:10.159 --> 02:10:14.479 So with that dealership, you have three days to take the. 2377 02:10:14.520 --> 02:10:18.039 Car back, okay, and the car the car. 2378 02:10:17.960 --> 02:10:21.479 Broke down on me on the fifth day, and so 2379 02:10:22.239 --> 02:10:24.399 it was too late for them to do anything. So 2380 02:10:24.560 --> 02:10:31.199 they recommended a dealership that we had warranty with. 2381 02:10:33.439 --> 02:10:36.239 Yeah, And what happened. 2382 02:10:38.119 --> 02:10:43.239 They had to replace the hoses. The powers like just 2383 02:10:43.319 --> 02:10:44.039 went out on me. 2384 02:10:44.239 --> 02:10:45.119 Like the car. 2385 02:10:45.000 --> 02:10:49.560 Wouldn't accelerate, so they had to replace like thirty different hoses, 2386 02:10:49.680 --> 02:10:55.239 and then the spark plugs, and then not too long later, 2387 02:10:56.239 --> 02:10:59.000 they had to replace the spark plugs again. And the 2388 02:10:59.039 --> 02:11:04.199 spark plugs were not the problem. And so every time 2389 02:11:04.800 --> 02:11:07.359 the car was going in to get sixed, it was 2390 02:11:07.399 --> 02:11:10.800 for the same thing over and over again. And so 2391 02:11:11.159 --> 02:11:14.239 when I was on the highway, the car went out 2392 02:11:14.279 --> 02:11:17.039 and I almost got hit by a semichuck because it 2393 02:11:17.199 --> 02:11:18.159 just died right there. 2394 02:11:18.520 --> 02:11:25.119 Hey, Victoria, Victoria, how many miles on this car? 2395 02:11:26.000 --> 02:11:28.279 I don't know off the top of my head. It's 2396 02:11:28.399 --> 02:11:30.680 a good I think it's about. 2397 02:11:30.399 --> 02:11:32.439 Sixty thousand, okay. 2398 02:11:32.479 --> 02:11:36.640 And another question, another question I have is did you 2399 02:11:36.760 --> 02:11:38.840 have to pay each time you took it in. 2400 02:11:41.840 --> 02:11:44.880 No, but we did end up paying five thousand dollars 2401 02:11:44.960 --> 02:11:45.680 out of pocket. 2402 02:11:46.479 --> 02:11:49.439 What wait? Wait, wait, why did you what did you 2403 02:11:49.479 --> 02:11:51.279 pay five thousand dollars for. 2404 02:11:53.920 --> 02:11:57.119 So many different things? And because we took it to 2405 02:11:57.159 --> 02:12:02.399 the actual Kia dealership because since since the twenty sixteen 2406 02:12:02.520 --> 02:12:05.479 it's more electrical, so they would have to correct parts 2407 02:12:05.479 --> 02:12:10.920 for it, and so like a lot of things got replaced. 2408 02:12:10.920 --> 02:12:13.760 And they said that the dealership previously that I got 2409 02:12:13.800 --> 02:12:21.199 it from glued parts together. Oh no, and so yeah, 2410 02:12:21.279 --> 02:12:24.520 and so they try to cover up leaks with glue 2411 02:12:24.760 --> 02:12:29.479 and this and that. And so my mom and I 2412 02:12:29.640 --> 02:12:35.039 paid about forty five over forty five hundred dollars fixing 2413 02:12:35.079 --> 02:12:37.319 the car and it's still not driveable. 2414 02:12:38.000 --> 02:12:41.720 And wait wait wait are you? Are you saying, Victoria, 2415 02:12:42.199 --> 02:12:45.720 after paying forty five or let's say, around five grand 2416 02:12:45.840 --> 02:12:49.920 out of pocket, it's not driveable at all or it's 2417 02:12:50.000 --> 02:12:51.000 just poor. 2418 02:12:52.279 --> 02:12:53.279 It's not drivable. 2419 02:12:54.680 --> 02:12:58.119 Well, what does the dealer, okay, forget about the people 2420 02:12:58.159 --> 02:13:00.880 that sold it to you? What does this dealers say 2421 02:13:00.920 --> 02:13:03.079 that took five grand from you? What do they say 2422 02:13:03.119 --> 02:13:06.279 about that if you spend five grand? What do they 2423 02:13:06.279 --> 02:13:07.960 say about it not being driveable. 2424 02:13:10.199 --> 02:13:14.199 They're recommending that we traded in, but a lot of 2425 02:13:14.239 --> 02:13:17.560 people won't like get set down the trade because we 2426 02:13:17.680 --> 02:13:19.760 still own nineteen thousand dollars on it. 2427 02:13:20.439 --> 02:13:25.399 Oh my god, wait a minute, you own nineteen grand 2428 02:13:25.479 --> 02:13:25.800 on it? 2429 02:13:27.199 --> 02:13:30.880 Yeah, and the car has that in mechanic shops longer 2430 02:13:30.920 --> 02:13:31.920 than we drove it. 2431 02:13:34.079 --> 02:13:37.079 Okay, where did you what's the name of the dealer 2432 02:13:37.199 --> 02:13:37.800 you bought it? 2433 02:13:39.359 --> 02:13:41.319 Drive Time in Lakewood, Denver? 2434 02:13:42.720 --> 02:13:43.439 Drive Time? 2435 02:13:44.039 --> 02:13:47.800 My god, I just looked at Drivetime's website. Yeah, they 2436 02:13:47.840 --> 02:13:49.319 actually have two things. 2437 02:13:49.520 --> 02:13:50.319 Yeah what do they have? 2438 02:13:50.520 --> 02:13:54.079 Five day return guarantee and they also have a thirty 2439 02:13:54.159 --> 02:13:58.119 day fifteen hundred mile limited warranty. And it sounds like 2440 02:13:58.199 --> 02:14:01.159 our caller may have been made have been unaware of that? 2441 02:14:02.840 --> 02:14:06.680 Oh my god, I wait wait, so you bought it? 2442 02:14:06.880 --> 02:14:10.960 You bought it from drive Time in Lakewood? Yes, sir, 2443 02:14:14.199 --> 02:14:17.560 and and they say, what what do they They want 2444 02:14:17.600 --> 02:14:18.479 you to trade it in? 2445 02:14:19.560 --> 02:14:21.960 No, the repairing dealer wants they were to trade it in. 2446 02:14:24.239 --> 02:14:28.319 No, No, did you did? Did drive Time in Lakewood? 2447 02:14:28.640 --> 02:14:30.520 What did they say about this car? 2448 02:14:32.880 --> 02:14:32.960 So? 2449 02:14:33.680 --> 02:14:33.960 Uh? 2450 02:14:34.640 --> 02:14:37.680 I think he's a manager. His name is Nico. I 2451 02:14:37.760 --> 02:14:40.840 kept letting him know every time that the car was 2452 02:14:40.880 --> 02:14:41.880 breaking down. 2453 02:14:42.279 --> 02:14:46.800 And literally, like, how can people how honest to god 2454 02:14:47.039 --> 02:14:50.199 look at I hold on a second, Victoria. I know 2455 02:14:50.319 --> 02:14:53.039 a lot of people are making mistakes out there with cars, 2456 02:14:53.199 --> 02:14:56.439 I know they are, But does that give dealers a 2457 02:14:56.479 --> 02:14:58.880 license to cheat like this and to be to be 2458 02:14:59.000 --> 02:15:02.880 that crooked? I mean, come on, man, it just doesn't 2459 02:15:02.880 --> 02:15:05.800 make sense to me. I'm not saying they're lying and cheating, 2460 02:15:05.840 --> 02:15:08.439 but it sounds to me like they knew this car 2461 02:15:08.520 --> 02:15:11.600 might have been not in the great shape. Why didn't 2462 02:15:11.640 --> 02:15:13.680 you take it to be checked out? 2463 02:15:16.000 --> 02:15:19.199 So here's the thing, if you let me finish replace. Yeah, 2464 02:15:19.199 --> 02:15:21.880 if you go on the website, you go to the 2465 02:15:21.920 --> 02:15:24.920 review section and then there's like categories at the top. 2466 02:15:25.560 --> 02:15:28.319 You press lowest reviews and you will see that there's 2467 02:15:28.439 --> 02:15:31.880 multiple people having the same problems at me and people 2468 02:15:31.920 --> 02:15:37.840 that can afford an expensive diagnostics. They got quoted almost 2469 02:15:37.920 --> 02:15:40.760 eight thousand dollars in repairs and they said the same, 2470 02:15:41.039 --> 02:15:45.359 like similar things that that the mechanics there were covering up. 2471 02:15:46.119 --> 02:15:49.199 Okay, Victoria, listen, I'm not sure. 2472 02:15:50.000 --> 02:15:52.279 I'm not sure what we can do, but we will 2473 02:15:52.319 --> 02:15:57.000 call them for you and see, I mean, here's why 2474 02:15:58.239 --> 02:16:01.960 you guys spent five thousand dollars on this car and 2475 02:16:02.000 --> 02:16:03.359 it still isn't running right. 2476 02:16:03.920 --> 02:16:05.399 Maybe we can ask them to a. 2477 02:16:07.119 --> 02:16:10.159 Lot of people won't accept it as a trade because 2478 02:16:10.199 --> 02:16:14.119 of the condition it's in, and it's like a risk 2479 02:16:14.159 --> 02:16:14.560 for them. 2480 02:16:15.800 --> 02:16:18.920 Now I understand that, let's see what we can get 2481 02:16:19.000 --> 02:16:22.640 drive time. Maybe we can get drive time to either 2482 02:16:22.680 --> 02:16:25.279 take it or to get it running for you. I 2483 02:16:25.319 --> 02:16:29.920 am people, this is becoming epidemic. This is becoming, I 2484 02:16:30.000 --> 02:16:32.600 swear to God, epidemic for people. 2485 02:16:33.280 --> 02:16:37.200 It's so bad now. I know people are making big mistakes, 2486 02:16:37.719 --> 02:16:40.719 but it just seems like they're being taken advantage of. 2487 02:16:41.360 --> 02:16:44.479 How do these dealers go to sleep at night? How 2488 02:16:44.479 --> 02:16:47.520 do they do it knowing that young people have put 2489 02:16:47.600 --> 02:16:52.479 everything they have into this. There's gotta be some morality here. 2490 02:16:52.760 --> 02:16:55.159 Hold on, we got hold on. We're gonna have somebody 2491 02:16:55.200 --> 02:16:57.559 call for you. I'm gonna put Deputy d on it. 2492 02:16:58.799 --> 02:17:00.639 Just hang on, okay, he'll be talking to you. I'm 2493 02:17:00.680 --> 02:17:02.840 Tom Martino. We got more coming up.