Speaker 1: Ripud news mean advice.
Speaker 2: Who you don't have the come run anxious as fast
Speaker 2: as you can, shoot us gonna help come.
Speaker 1: Dix. He is the Troubleshooter Show.
Speaker 3: No Tom Martino, Hello Tom Martino here, Welcome to the show.
Speaker 3: Three oh three, seven to one three talk seven one
Speaker 3: three eight two, five to five. I have some guests today,
Speaker 3: have Henry Bretz from mom Excel roofing, and then anything
Speaker 3: and then you're my main guest. So anything you have
Speaker 3: call us. Let me just say this. I mean I
Speaker 3: come on every day. I've been doing this for forty
Speaker 3: five years and did for just saying welcome to the show.
Speaker 1: And let me just say this, I really mean it.
Speaker 3: Welcome to the show, and that means I want you
Speaker 3: to take advantage of us.
Speaker 1: I want you to help us. I want you to
Speaker 1: be part of it.
Speaker 3: You know, we take for granted sometimes this show because
Speaker 3: we have helped so many people. So if you just
Speaker 3: want to shoot the breeze, call us. In other words,
Speaker 3: if you don't have a problem, but you notice something
Speaker 3: that looks awry or possibly you want to help stave
Speaker 3: off a problem because you feel like it's going to
Speaker 3: be a problem, let us know This is where we
Speaker 3: get most of our information from our listeners. Dorothy, she
Speaker 3: has an issue with a contractor and concrete, So we're
Speaker 3: going to kick off the day with her and find
Speaker 3: out what's on her mind today.
Speaker 1: So Dorothy, fire away. Dorothy.
Speaker 4: Well, we had some concrete work steps put in leading
Speaker 4: from our house down to the street, which the work
Speaker 4: was absolutely terrible. The owner, when he came to look
Speaker 4: at the job, agreed that the work was the worths
Speaker 4: were seen. Anyways, they came back wound up taking out
Speaker 4: the old the steps that they put in, and they
Speaker 4: redid the steps, which are good now. However, there was
Speaker 4: some other work that was supposed to be done on
Speaker 4: the side of our house. A step was supposed to
Speaker 4: be taken care of, and they were supposed to do drilling,
Speaker 4: diamond drilling to believe, or diamond cut I believe, and
Speaker 4: they didn't do that. They were supposed to repair work
Speaker 4: on our driveway and they did that in a terrible,
Speaker 4: terrible manner. They agreed that they would give us some
Speaker 4: money back. Well, my husband has been on the phone
Speaker 4: with them for weeks trying to get them to give
Speaker 4: us our money back, and they just put us off
Speaker 4: and they say they'll be out here on Friday, and
Speaker 4: you hear nothing from them, then they'll say, oh, well,
Speaker 4: Dorothy in a car accident.
Speaker 3: Dorothy, hold on one second. Okay, Now I just have
Speaker 3: a few things.
Speaker 1: Did you.
Speaker 3: First of all, how much was the contract for everything
Speaker 3: they were supposed to do if everything had gone perfectly?
Speaker 1: What is the contracted amount?
Speaker 4: Well, we originally it was forty two hundred dollars, and
Speaker 4: then okay, because of additional work, they backed the price
Speaker 4: up to well, we wound up giving them like sixty
Speaker 4: six hundred.
Speaker 3: Dorothy, Just give me the price, Dorothy, Just give me
Speaker 3: the whole contracted price. How much would it have been
Speaker 3: if everything went perfectly, Well.
Speaker 4: Let's see, it would have been forty forty two hundred
Speaker 4: dollars and plus. So I think it's forty nine.
Speaker 3: Okay, Okay, let's just say let's just say forty nine.
Speaker 3: Let's just say forty nine hundred. Now what I want
Speaker 3: to ask is this. We'll get to your problem, but
Speaker 3: I need to get the basics.
Speaker 1: How much have you actually paid so far?
Speaker 4: We've paid full amount and we paid it.
Speaker 3: Okay, So okay, Now what I want to know is
Speaker 3: are you expecting when you said to get your money back.
Speaker 3: Are are Did they say they would refund the entire
Speaker 3: forty nine hundred?
Speaker 4: No they did not, they would Okay, when you said.
Speaker 3: A refund, how much did they say they would refund
Speaker 3: to you?
Speaker 1: How much they.
Speaker 4: Were going to give us at least seven hundred dollars back?
Speaker 1: And oh, but that.
Speaker 3: Doesn't sound like enough at all. If the job is
Speaker 3: as bad as you say it is, seven hundred dollars
Speaker 3: doesn't sound like enough.
Speaker 1: What I need to know right now is of the job?
Speaker 3: Right now, what percentage of the job needs to be redone?
Speaker 4: Well, it's a minor percentage at this point, it's just three.
Speaker 3: But you had nothing but trouble is basically, and so
Speaker 3: this seven hundred is more like a good will adjustment.
Speaker 4: Yeah, it's been a fiasco. It's just been a terrible fiasco.
Speaker 3: I don't blame you. I don't blame you. This sounds terrible.
Speaker 3: What's the name of the company.
Speaker 4: It's CNJ Concrete and Asphalt Repair.
Speaker 1: CNJ. How did you find them?
Speaker 4: They actually came to the door, which we usually don't.
Speaker 5: The worst thing you could ever do, Yes, exactly, and
Speaker 5: the worst thing that is.
Speaker 3: So it's CNJ asphalt and concrete repair, and so what
Speaker 3: do you want right now? Let's let's just get right
Speaker 3: to it and see what we can do for you.
Speaker 3: You want seven hundred dollars back.
Speaker 4: For all the aggravation and everything that we've gone through.
Speaker 4: My husband has delt if.
Speaker 3: Listen, if everything you say is true, I agree on
Speaker 3: I mean truly, you know, really truly, if it's that bad. Now,
Speaker 3: did you ever have an independent person look at the job?
Speaker 4: We had Centennial Inspectors. They were working on our street
Speaker 4: and he does concrete work, and he looked at the
Speaker 4: steps and said, that is the worst job I've ever seen.
Speaker 4: And anyways, we have neighbors that all saw it. I mean,
Speaker 4: they could have had three more jobs if they had
Speaker 4: been you know.
Speaker 3: Yeah, Okay, upright, Okay, here's what we're going to do.
Speaker 1: Okay, here's what we're going to do. I hear that.
Speaker 3: You know, like I said, whether it's true or not,
Speaker 3: I mean not true, whether it's true one or maybe
Speaker 3: you're exaggerating little maybe not. It sounds like you had
Speaker 3: a terrible time. What what what? What what we can
Speaker 3: do is call them and Henry, you have something to say.
Speaker 3: Henry Bretch is with Excel roofing. Henry, Yeah, I just
Speaker 3: had a quick question. You said Centennial inspector. Is that
Speaker 3: the city inspector? I think that's what she meant. They
Speaker 3: were on this. The inspectors from Centennial were there. Is
Speaker 3: that what you said?
Speaker 6: Yeah?
Speaker 4: They were. They were replacing parts of the sidewalks and
Speaker 4: stuff up and down our street.
Speaker 7: So, uh, was it a.
Speaker 1: City inspector that looked at it?
Speaker 4: Yeah?
Speaker 1: So was there a permit pulled on this? I'm just curious.
Speaker 1: It doesn't sound like it. So there was a permit
Speaker 1: on this job?
Speaker 4: No? No, no doors, not on our job.
Speaker 3: Okay, maybe there wasn't one required? Is it required, Henry?
Speaker 1: For then? I don't.
Speaker 8: I think it is required for major work, it's required.
Speaker 8: I'm not a concrete guys.
Speaker 3: Hey, listen, Dorothy, here's what we're gonna do. I'm gonna
Speaker 3: have Deputy D call over there and just get the scoop,
Speaker 3: you know, just just find out what's going on.
Speaker 1: When's the last time you talked? When was the job completed?
Speaker 4: Oh? Boy, it was complete about three about three weeks ago.
Speaker 3: Okay, good, hold on a second, Deputy D.
Speaker 1: Let's just let's just get the lowdown on this.
Speaker 3: You know, sure, all right, you hold on, Dorothy, We're
Speaker 3: gonna have someone, uh not someone.
Speaker 1: Deputy D call you.
Speaker 3: And then let's just make a call during the show
Speaker 3: to see if they even acknowledge a good will adjustment.
Speaker 3: Right now, I think that's the best we can hope for.
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Speaker 3: So Deputy G is going to be working on that problem.
Speaker 3: And as soon as Kelly puts down her mimosa and
Speaker 3: gets him the information. Again, people, you don't have any
Speaker 3: idea what goes on behind the scenes.
Speaker 1: Uh, you know, like we have fun, right, but then
Speaker 1: I just refilled it, Tom, so you know you just
Speaker 1: refilled it.
Speaker 3: Okay, Mimosa's all right, and then so what breakfast drinks mimosas.
Speaker 3: And then the other one is, uh, bloody Mary, what
Speaker 3: else is it? What else is breakfast? I mean for breakfast?
Speaker 3: I like your coffee. Maybe all I know, But people
Speaker 3: are people get crazy.
Speaker 1: Andy has a question on cremation. By the way, if
Speaker 1: you have any.
Speaker 3: Problems, question complains, or you just want to shoot the
Speaker 3: breeze and you want to discuss stuff, give us a
Speaker 3: call Andy.
Speaker 1: What's going on with you, sir?
Speaker 9: Good morning, Tom, longtime listener time. We appreciate you, Thanks much,
Speaker 9: thank you so much, Thank you, sir. We use your referral.
Speaker 9: Referral this whenever possible. As a matter of fact, we
Speaker 9: just had Dan McKenzie do up a nice will and trustful.
Speaker 3: He's a good guy McKenzie law by the way he's
Speaker 3: talking about and here's what I like about him.
Speaker 1: He knows what he's doing.
Speaker 3: But he gives you that personalized touch. I say that
Speaker 3: because a lot of people equate big giant firms with
Speaker 3: with the kind of service that's supposed to be really good.
Speaker 3: But he's one on one with you and he takes
Speaker 3: care of your your your estate. Now, did you have
Speaker 3: a simple estate or did you have a more complicated estate?
Speaker 9: I think I would consider it a simple estate. He
Speaker 9: did the revocable trust for me and my family, and
Speaker 9: after we we did it, my daughter when did the
Speaker 9: same thing. So with Mackenzie law.
Speaker 3: So they're just well, thank you, I thank you for
Speaker 3: for believing in them and for believing in my recommendations.
Speaker 3: By the way, just let let me just do this
Speaker 3: since we were talking about him. Uh A three three
Speaker 3: c plans. That's that, Dan mackenzie A three three co plans.
Speaker 3: So what brings you to our show today? You have
Speaker 3: a question on cremation.
Speaker 9: I do, sir, because you know it's kind of along
Speaker 9: the same law line as planning your will. And you
Speaker 9: don't have any funeral cremation recommendations on your referral list.
Speaker 9: And you're right, the one thing everybody, everybody's going to
Speaker 9: need that he should get somebody on there.
Speaker 1: No, you know what you're you're you're right. And and
Speaker 1: the referral list, the referral list.
Speaker 3: You know, tries to be tries to get as many
Speaker 3: cat goers as we can. We used to have funeral
Speaker 3: people on there with with cremation services.
Speaker 1: What are you looking to I don't like this word,
Speaker 1: but they call it pre plan are you looking to
Speaker 1: put together a plan now for the future or do
Speaker 1: you have an immediate need.
Speaker 9: No, we're planning for the future, Tom. And my question,
Speaker 9: sir is, we've been talking with some folks at a
Speaker 9: place called Neptune Society.
Speaker 1: And yes, uh huh, I've heard of them.
Speaker 10: Talk to you.
Speaker 9: Okay, we're going to meet with them either this week
Speaker 9: or next week, but I wanted to talk to you first.
Speaker 9: What they really propose is to you know, get obviously
Speaker 9: signed up with them and pre pay.
Speaker 1: And that's when I do not reckon. I do not
Speaker 1: recommend it.
Speaker 3: Although they have a good reputation, We've had too many
Speaker 3: people prepay for this kind of service, not just cremation,
Speaker 3: but for funerals and things like that. It's just, in
Speaker 3: my opinion, not a good idea. Now, there are some
Speaker 3: that are independent and they have insurance companies underwrite them,
Speaker 3: and they're more like you know, and and they're not bad.
Speaker 3: But when you are dealing with a local funeral home
Speaker 3: or a local operation, or even.
Speaker 1: One that has been bought up.
Speaker 3: Private equity, by the way, is buying up a lot
Speaker 3: of these a lot of these places, I just say
Speaker 3: it's it's risky.
Speaker 1: I would not prepay. I just wouldn't.
Speaker 3: Again, Unfortunately, a lot of them don't let you do
Speaker 3: the planning upfront unless you prepay.
Speaker 1: But here's what I think.
Speaker 3: I think a basic set of instructions on what you
Speaker 3: want done.
Speaker 1: I don't believe that you need.
Speaker 3: To have it all set up if you give a constructions.
Speaker 3: Because cremation is something that we get. We used to
Speaker 3: get a lot of complaints about okay, and the complaints
Speaker 3: we got first and foremost where how do I know?
Speaker 3: I get the ashes of the person. And by the way,
Speaker 3: just so you know, it's all based on trust. Now,
Speaker 3: there are people that have been around forever and even
Speaker 3: though they have been taken over by private equity or
Speaker 3: big firms consolidators, they're still good. And I'll tell you
Speaker 3: Haran and mcconnaty has has proven the test of time.
Speaker 3: Now you might want to call them Horan and their
Speaker 3: website is Haran Haraan Cares, h O r A and
Speaker 3: harancars dot com. The reason I talk about them is
Speaker 3: because they've been around for so long and I know
Speaker 3: John and it's just a good operation. Neptune Society is
Speaker 3: known for low pricing and all of that. They help
Speaker 3: with veterans and all of that, but you have to
Speaker 3: pay up front. Now, Haranu mcconnaday, McConaughey may have McConaughey,
Speaker 3: I'm sorry, they may have ones.
Speaker 1: That you have to pay.
Speaker 3: I would rather pay them than the Neptune Society. And
Speaker 3: I'm not saying anything's wrong with Neptune, but they're just now. Now,
Speaker 3: there is a very very no frills one that's been
Speaker 3: around in Denver that has really good ratings called.
Speaker 1: Kramer k R A m E R. Now Kramer.
Speaker 3: Is A has been around a long time and they're
Speaker 3: really good people. But uh, and then there's another one
Speaker 3: I know personally, Feldman Mortuary. Feldman Mortuary is a family
Speaker 3: owned and operated.
Speaker 1: They're good people.
Speaker 3: So if you had to pay Feldman, or you had
Speaker 3: to pay Herana McConaughey, I would not hesitate. Again, I'm
Speaker 3: not saying there's anything wrong with Neptune, but I just
Speaker 3: would not pay them up front. Enough said there Again,
Speaker 3: a lot of people think that pre and I shouldn't
Speaker 3: even call it.
Speaker 1: Pre planning because that's redundant. Pre planning.
Speaker 3: Planning is pre When you plan something like this, it's
Speaker 3: better to give direction and general steps that like I
Speaker 3: requested of cremation blah blah blah.
Speaker 1: Than to actually line it all.
Speaker 3: Up because these companies come and go, and it's like
Speaker 3: anything else. When you're locked into something, it's never it's
Speaker 3: never good, in my opinion, to be locked in.
Speaker 1: Where you must use a particular service.
Speaker 3: So I wouldn't lock anyone in with my estate plan
Speaker 3: as far as that goes. You bring up a good point, Andy,
Speaker 3: And I'm going to tell you something. A lot of
Speaker 3: people do the estate plan and leave all of that out.
Speaker 1: They don't think about that.
Speaker 3: And it really is important because people don't know what
Speaker 3: you want.
Speaker 1: People like, some people may not want a viewing.
Speaker 3: They may look at it as weird or barbaric or something.
Speaker 3: Other people want a viewing, and or some people want
Speaker 3: a simple memorial. And that's where you can designate who
Speaker 3: you want to speak at the memorial or who you
Speaker 3: want to do the service, and how much of a
Speaker 3: service you want. Now, what some people have done, Andy,
Speaker 3: and you might want to consider this. Some people have
Speaker 3: made a small trust account just for those services.
Speaker 1: So let's say you have a master trust.
Speaker 3: Within that trust, you can set aside a certain amount
Speaker 3: of money that you put in a CD right now,
Speaker 3: and that will pay for everything. But you're not paying
Speaker 3: a particular service, you're just putting the money away.
Speaker 9: Does that make sense, Yeah, that's great.
Speaker 3: Yeah, so it's paid for, so you're not paying any
Speaker 3: particular person. You're just putting the money aside and funding it.
Speaker 3: And it's specifically to be used for cremation or funeral
Speaker 3: services or all of those services. And many people with
Speaker 3: an estate plan do that for a lot of things.
Speaker 3: For example, they set aside legal fees, they set aside
Speaker 3: funeral arrangements, they set aside auction expenses if they're going
Speaker 3: to if they have a lot of stuff they need
Speaker 3: to be sold off. And for those listening, thank you
Speaker 3: Andy for calling. For those listening, I want to just
Speaker 3: say this, one of the biggest deals you can do
Speaker 3: is have as much spelled out as possible because people
Speaker 3: get very confused when it comes to estate planning. People
Speaker 3: get greedy, people get weird, and that's where you really
Speaker 3: have to make it very simple and simplicity is truly
Speaker 3: the secret here is not to get too complicated or
Speaker 3: put too many terms and conditions. And also it's okay
Speaker 3: to have more than one trustee. You can have a trustee,
Speaker 3: for example, that handles all of the real estate. If
Speaker 3: you were a real estate investor, let's say, and they
Speaker 3: know about real estate, but they don't have to be
Speaker 3: the trustee for everything. You can have an overall trustee, friend, associate, colleague, relative,
Speaker 3: and they can be your overall trustee. Then you can
Speaker 3: assign other trustees for segments of your estate. If you
Speaker 3: have a big complicated estate, you don't have to do
Speaker 3: everything under one personal representative. That's another thing people don't
Speaker 3: account for. Sometimes you may have a trustee that's wonderful,
Speaker 3: but that trustee knows nothing about maybe real estate, or
Speaker 3: knows nothing about your securities accounts, and speaking of investments,
Speaker 3: there are a few ways to transfer investments. Let's just
Speaker 3: say you have a Schwab account and other investments. Now,
Speaker 3: in my opinion, the best thing to do is to
Speaker 3: let the accounts be transferred and not necessarily liquidated when
Speaker 3: you want to liquidate and distribute. Sometimes you can take
Speaker 3: massive losses for your heirs, So I believe you should
Speaker 3: have a trustee for that part or a designate for
Speaker 3: that part of your estate plan where you can have
Speaker 3: that account transferred to your heirs as opposed to being
Speaker 3: liquidated and then possibly suffering losses.
Speaker 1: You can leave the choice up to the.
Speaker 3: Trusted person you put in charge of that area. Again,
Speaker 3: don't believe there is one way to do things. There
Speaker 3: are many ways to do things, and you are in
Speaker 3: complete control. That's what I love about McKenzie law.
Speaker 1: He's a good guy.
Speaker 3: And he sits down and talks to you about these
Speaker 3: practical ways of passing things on. It used to be
Speaker 3: everything's liquidated and passed on.
Speaker 1: That's a bad idea.
Speaker 3: Nowadays you want to look at each segment of investment
Speaker 3: or ownership and then do what's best in that realm.
Speaker 3: If liquidation is best, you do a liquidation. If passing
Speaker 3: on the account is best and having somebody babysit, then
Speaker 3: you do that. We have more coming up, and now
Speaker 3: we have Nancy on the line. We have other people
Speaker 3: on the line. If you have a problem, question or complain,
Speaker 3: give us a call and you can call three oh
Speaker 3: three Martino. That works twenty four to seven three O
Speaker 3: three six two seven eight four sixty six. Hi Tom
Speaker 3: Martino here, welcome three oh three seven one three talk
Speaker 3: also three three Artino. Remember you can call that anytime,
Speaker 3: day or night and we'll line you up for the show.
Speaker 3: Nancy called a couple of weeks ago and she was
Speaker 3: she was really upset with her place with the housing authority.
Speaker 3: I believe it was. Yeah, it was the twenty nine,
Speaker 3: thank you very much. And she lives in Sterling Housing
Speaker 3: Authority for eight years. In December of twenty four, just
Speaker 3: a few months ago, sewer backups occurred rendered her bathroom unusual.
Speaker 3: They moved her to another apartment and she is afraid
Speaker 3: that new apartment is now cross contaminated. And at some point, Nancy,
Speaker 3: we got to figure out is this in your head
Speaker 3: or is this in your apartment?
Speaker 1: Deputy Doc, I asked you to take.
Speaker 11: Go ahead. They they did. Just last week. They had
Speaker 11: a guy that just deals directly with molds. Because I
Speaker 11: put a demand for them to do that, he did swapcast.
Speaker 11: Told him where I get most affected, and he did
Speaker 11: the swap test. And so they give me a letter
Speaker 11: stating that he'll be back today. Well, apparently that must
Speaker 11: mean that the swap test is that he took that
Speaker 11: came up with something, because he's going to have to
Speaker 11: treat it now. Okay, So what they're gonna do is
Speaker 11: that they're not going to give you the court because
Speaker 11: they don't have to, of course. But what I did
Speaker 11: is I have my friend put on bluffs and goggles
Speaker 11: and all that kind of stuff and pick samples from
Speaker 11: everywhere that I felt sick. What I need help with
Speaker 11: is testing my own because what they're going to try
Speaker 11: to do is cover it up and not tell me
Speaker 11: anything of their phone.
Speaker 1: Okay, Nancy, I understand.
Speaker 3: You want to do your own Nancy, you want to
Speaker 3: do your own testing.
Speaker 1: I understand.
Speaker 3: Now what I want to know is, Doc, did you
Speaker 3: look into this at all?
Speaker 12: I've had several conversations with Nancy.
Speaker 13: The last one was on Friday, when what about with management?
Speaker 1: Doc? Just to see what they think?
Speaker 12: I called out. I didn't get a response back.
Speaker 13: But the last time I spoke to Nancy on front,
Speaker 13: she said that they were in fact having workmen come
Speaker 13: to fix some of the problems in her apartment, and
Speaker 13: she was going to get back to me and let
Speaker 13: me know one if they came and to what they did.
Speaker 3: Okay, So Nancy, I need to need some quick answers
Speaker 3: here without stories. I want to ask you, did they
Speaker 3: do any work at all in the new apartment?
Speaker 1: In this apartment you're in right now.
Speaker 11: They had well one contract tractor come in that did
Speaker 11: find mold, and when he did, they tore off the
Speaker 11: drywall in the front room. And this was April twenty first,
Speaker 11: and the wall is still exposed, so it's okay.
Speaker 1: Still okay, they have.
Speaker 11: Not fixed that, and have they done it?
Speaker 14: But they did?
Speaker 3: Yeah, okay, so they did do their own testing. They
Speaker 3: did do their own testing, and you're not sure you
Speaker 3: can trust it, So you want to know where you
Speaker 3: can get your own testing done? Right?
Speaker 7: Oh?
Speaker 11: No, I know I can trust it because the contract
Speaker 11: you called me and left me a voicemail stating that
Speaker 11: he did find mold. He left this on my voicemail,
Speaker 11: so I have that.
Speaker 1: But but didn't you just tell me? Yeah, they didn't.
Speaker 3: You just tell me you wanted to do your own
Speaker 3: testing contact.
Speaker 11: Yet, But I told them. I gave them the demand
Speaker 11: that are stating I want an outside company, an incredible company,
Speaker 11: to come and check directly from old again.
Speaker 14: And so they did.
Speaker 4: They did up.
Speaker 11: They came out Thursday last week, his finding work and
Speaker 11: apparently there's something here again because he's coming today to
Speaker 11: treat it. So that must mean there's still mold here.
Speaker 11: There's something still here because the moisture that comes in
Speaker 11: my wall is still exposed, so that all the moisture
Speaker 11: keeps coming in. You tested the wall, It's like it's
Speaker 11: like a sponge.
Speaker 3: It's soaked, really really, so you do ye so you
Speaker 3: can feel the more you I mean it really.
Speaker 7: So.
Speaker 3: It's coming from the outside. It comes down the wall.
Speaker 3: And where does it come in? Where does it come
Speaker 3: into your apartment?
Speaker 11: The whole north side of the whole wall from yeah.
Speaker 3: But where is it coming around? Is it coming in
Speaker 3: from the windows?
Speaker 1: Nancy? Is it coming in through the windows?
Speaker 11: Windows and walls?
Speaker 1: Okay, a flooring?
Speaker 3: Okay, and tell me they put the wall.
Speaker 11: Have you ever You're gone at twelve o'clock at night
Speaker 11: till one o'clock in the morning. And that causes more
Speaker 11: more shirt Right away, I started getting sick.
Speaker 1: I can't breathe. I feel it. Do they have any
Speaker 1: Do they have any apartments that are not on the
Speaker 1: ground floor?
Speaker 11: They have two buildings? Yes, they're the're high rise building.
Speaker 4: Yes they do.
Speaker 1: Yes.
Speaker 3: Do you think that might help you if you were
Speaker 3: not on the ground floor? Maybe if you were up
Speaker 3: higher then you wouldn't have to work.
Speaker 1: I have to table.
Speaker 11: I'm disabled, Tom, I can't. I can't you see that? Well,
Speaker 11: this contributed to me not being able to see hard anything,
Speaker 11: just the hair. I have to take strong beds. I've
Speaker 11: seeing all kinds of just a specialists, which is awesome
Speaker 11: that that you see how this helped me so much
Speaker 11: to get into putting.
Speaker 1: Nancy? What is Nancy? What? What are your current diagnoses?
Speaker 1: Right now? Tell me? Tell me what's wrong with you
Speaker 1: right now right now?
Speaker 11: Either diiorating, they're failing that they might have to do
Speaker 11: corneal surgery on of them. And then I have an
Speaker 11: autoimmune disease that I've contributed now that my body's fighting itself,
Speaker 11: attacking itself.
Speaker 3: Okay, okay, yeah, how long how long have you been
Speaker 3: just Nancy?
Speaker 1: How long have you been disabled only? With vision only?
Speaker 11: With vision for for for for probably seven years, for
Speaker 11: vision only, none of this other stuff?
Speaker 1: I get it. When did the other stuff start?
Speaker 15: Well?
Speaker 11: I was able to talk, I was able to breathe.
Speaker 1: Anybody that knows me, but Nancy, Nancy, Nancy, Nancy.
Speaker 3: I want you to listen for just a minute here,
Speaker 3: just listen. You know, mold exposure, Nancy. I don't think
Speaker 3: all of these problems are coming from that limited mold
Speaker 3: exposure you've had in that apartment. I think you're looking
Speaker 3: for a reason for these problems, and I'm just telling
Speaker 3: you that mold.
Speaker 1: Mold can give you some problems. But I just think
Speaker 1: that in your search for answers, you're latching onto this
Speaker 1: mold and you're saying this mold is causing everything, and
Speaker 1: I don't think it is. I mean, I think you
Speaker 1: might be having.
Speaker 3: Some problems for mold, but the effects of mold exposure
Speaker 3: are so exaggerated with people because they're so afraid or
Speaker 3: they're looking for I'm just going to say it like
Speaker 3: it is okay. Now this is not against you, Nancy,
Speaker 3: but let me just say it like it is okay,
Speaker 3: and put Nancy on hold.
Speaker 1: And what I'm going to do is.
Speaker 3: Have Deputy Dot call management and just see what they
Speaker 3: think about this situation. And if you don't get an answer,
Speaker 3: just keep calling back. I mean, let's get it. Let's
Speaker 3: get these damn people on the phone to give us
Speaker 3: at least an answer.
Speaker 1: Do they know the problem? What do they plan on doing?
Speaker 3: But I want to say something coming back on this
Speaker 3: mold issue, and it goes across to other issues as well.
Speaker 3: And really and truly I'm going to unload and I'm
Speaker 3: going back through my notes, so just stay tuned.
Speaker 1: We got more coming up.
Speaker 3: Tom Ortino, you're a troubleshooter. Three oh three seven to
Speaker 3: one three talk seven one three eight two five five. Okay,
Speaker 3: let me just say this and then I'm gonna I'll
Speaker 3: take your other calls as well.
Speaker 1: But ah, this is important.
Speaker 3: Whether it be mold, radon, asbestos, or other problems. There
Speaker 3: are certain people I'm just I'm not going to couch
Speaker 3: my words. I'm just gonna say it. There are certain
Speaker 3: people that are They're nuts, Okay. They have problems that
Speaker 3: can't be pinpointed. They have chronic fatigue, they have aches
Speaker 3: and pain, they have jittery nervousness, respiratory problems, autoimmune problems.
Speaker 3: They are symptoms in search of a diagnosis. That's what
Speaker 3: they are. And their whole life is unbearable to them
Speaker 3: because of these so called disabilities. And what I believe
Speaker 3: is people latch onto these as an excuse to be disabled,
Speaker 3: as an excuse not to live, as an excuse to
Speaker 3: sit back and let others take care of them, or
Speaker 3: attempt to get disability and other things. They are looking
Speaker 3: for a reason. Okay, now I am not saying these
Speaker 3: people are not ill or that these symptoms are not real.
Speaker 3: But what they're doing is they're hoping to find a
Speaker 3: reason for them so they can say, see I have
Speaker 3: mold poisoning, or see Raydon is doing this for me,
Speaker 3: or to me, asbestos is doing this. But all of
Speaker 3: these things usually take long term, heavy, heavy heavy exposure
Speaker 3: to have symptoms and to have diagnoses. But people are
Speaker 3: looking for a reason to be a dead beat. I
Speaker 3: don't know how else to put it. They're looking for
Speaker 3: a reason to be a dead beat. Now my heart
Speaker 3: goes out to them, because much of it is mental
Speaker 3: illness or emotional instability. And God forbid, they get into
Speaker 3: an apartment and see some mold, then every problem they've
Speaker 3: ever had is going to be tied to that mold
Speaker 3: or that asbestos or whatever. People are looking for an
Speaker 3: excuse to check.
Speaker 1: Out of life. They just check out.
Speaker 3: They don't want to work, they want people taking care
Speaker 3: of them, They want some kind of an income, They
Speaker 3: want to be.
Speaker 1: Cared for.
Speaker 3: They want everyone to cowtow to their disability, and they
Speaker 3: start blaming people, and they look for reasons why they
Speaker 3: don't feel good, or why they feel disabled, or why
Speaker 3: they feel weak. Look, there are people who do have problems,
Speaker 3: but many of them stem emotionally and they're tied to
Speaker 3: some event in their life or something that's not going
Speaker 3: well in their life. Then they start feeling bad, they
Speaker 3: start feeling they get maybe headaches or aches and pains,
Speaker 3: they don't want to get out of bed, they start
Speaker 3: feeling sick, and then they go and hunt for the
Speaker 3: reason for the excuse. And people love when they can
Speaker 3: find an excuse. Over the years, we have had people
Speaker 3: call this show and they've even gone so far as
Speaker 3: to research on the internet what disease they have, and
Speaker 3: then they set out to find a healthcare provider to
Speaker 3: treat that disease. And trust me, you will find a
Speaker 3: provider to help you with something if it means taking
Speaker 3: money for it. It's just a shame that some people
Speaker 3: are checking out of life, and we hear from a
Speaker 3: lot of them more coming up.
Speaker 2: Yeah, ripped of need advice when you don't have, come
Speaker 2: running to susas as we can. Shooter's gonna help coming.
Speaker 1: Dix is the Troubleshooter Show.
Speaker 3: No Tom Martino, Hey, Tom Martino, here, Welcome to the show.
Speaker 3: Three oh three seven one three talk seven one three
Speaker 3: eight two five five here to help you solve problems.
Speaker 3: Answer question has taken place. Now listen, I got a
Speaker 3: question here and it really brought up a good.
Speaker 1: Point, and that is upside. Have you heard of the
Speaker 1: upside app?
Speaker 3: There are a lot of apps that apparently have affiliations
Speaker 3: with gas stations and supermarkets and all of that, and
Speaker 3: they promise cash back when you use the app. And
Speaker 3: when you think about it, why is that. Well, these
Speaker 3: apps work in a certain way. They promise a business
Speaker 3: to bring them business. Now we have Excel roofing with us,
Speaker 3: and the reason I'm bringing them into this discussion it's
Speaker 3: very simple. Businesses have what's called the cost of acquisition
Speaker 3: for customers. Every business in the world knows how much
Speaker 3: it costs them to bring a business to them, or
Speaker 3: to bring a customer to them.
Speaker 8: Every lead, right, Yeah, if it's a good business and
Speaker 8: they're tracking their numbers, yeah, very important.
Speaker 1: It's very important.
Speaker 3: So in other words, let's just say a business calculates
Speaker 3: and for every closed lead that they bring to the
Speaker 3: business closed not just a lead, but someone who becomes
Speaker 3: a customer. So you have advertising, You have all kinds
Speaker 3: of fees you pay all.
Speaker 1: Over the place, So you add them all up. Okay,
Speaker 1: you add them all up.
Speaker 3: Then you divide for a period of time like a
Speaker 3: thirty day period or a sixty day or ninety day
Speaker 3: when you track and then you track this period of
Speaker 3: time and you divide it by the number of closed
Speaker 3: leads or customers, not just the people call but actual customers.
Speaker 3: And what you come up with is a cost per
Speaker 3: acquisition or some people call it different things. So they
Speaker 3: know for every customer that signs a contract, it costs
Speaker 3: them x amount of dollars. And again that's proprietary. So
Speaker 3: I'm not going to ask necessarily what that is. Some
Speaker 3: people voluntarily say if they want to, but it is
Speaker 3: somewhat proprietary. For example, Henry, if you have a really
Speaker 3: good way of doing social media and you get a
Speaker 3: lot of free publicity, or you have ways of doing
Speaker 3: other things, your cost per lead might be way lower
Speaker 3: than another company, and that's proprietary on how you do it.
Speaker 3: Some people pay for everything, every mention, everything, and their
Speaker 3: cost per acquisition is higher. So when they have this
Speaker 3: cost per acquisition, they know that if you brought them
Speaker 3: a customer. Let's say you're a friend and you have
Speaker 3: a friend who needs a roof. So let's just say Henry's.
Speaker 3: And by the way, I'm making all this up as
Speaker 3: far as the numbers go. But let's say a cost
Speaker 3: per customer for Excel roofing is X amount of dollars.
Speaker 3: Pick a number, two hundred and fifty bucks. Let's just
Speaker 3: say it could be more or less. Let's just say
Speaker 3: this or company ABC. They spend two hundred and fifty
Speaker 3: dollars for every signed contract. So if I met with
Speaker 3: the owner and I say, hey, Henry, I have someone
Speaker 3: who wants to do a roof and they're waiting for
Speaker 3: my recommendation, and he knows it's going to cost him
Speaker 3: two fifty to get a customer, he might say, hey,
Speaker 3: you know, Tom, I'll toss you one hundred bucks for
Speaker 3: that lead if they're ready to sign.
Speaker 1: So that's cost for acquisition. And when you know the
Speaker 1: cost per acquisition.
Speaker 3: You're willing to pay that for a customer because you're
Speaker 3: going to pay it anyway, or you're willing to pay
Speaker 3: less than that for sure.
Speaker 1: So with the upside app or any kind of an
Speaker 1: app like that.
Speaker 3: What they're doing is they're saying to a business, we
Speaker 3: don't want any money from you except for the customers
Speaker 3: we deliver to you. And here's what we're gonna do
Speaker 3: to prove that we're delivering the customer to you.
Speaker 1: We're gonna make them use our app. So for every.
Speaker 3: Customer that buys gas from you, using our app, you
Speaker 3: can give us your cost for lead instead of giving
Speaker 3: it to Facebook or Instagram or some kind of advertisement.
Speaker 8: It's essentially a lead gen company that's crediting the customer back.
Speaker 1: Yeah, it's a lead generation company.
Speaker 3: So as as you just said, so for example, let's
Speaker 3: say a customer, Let's say it costs them for every
Speaker 3: customer that comes and buys gas, Let's say it costs
Speaker 3: them ten bucks. I don't know if it does, but
Speaker 3: let's just say there is a cost no matter what,
Speaker 3: to every customer on every business everywhere. Even people will say,
Speaker 3: oh I just go buy word amount.
Speaker 1: Trust me. There's a cost per lead and a cost
Speaker 1: per customer.
Speaker 3: Those are two different things. A cost per lead is
Speaker 3: someone who just calls or googles you. The cost per
Speaker 3: customers when they become a customer like many times, like
Speaker 3: for me, for example, I bring leads. I deliver leads
Speaker 3: to companies, but it's up to them to close that lead.
Speaker 3: It's up to them to make that a customer. I
Speaker 3: can't make them a customer. So here's the deal upside app.
Speaker 3: Let's say delivers one hundred customers and they get five
Speaker 3: dollars per customer. Then that customer a dollar for using
Speaker 3: the app. So every time they get a gallon of
Speaker 3: gas or fill up, they get a dollar, or they
Speaker 3: get two dollars or three dollars whatever. So, as Henry said,
Speaker 3: they are sharing that finder's fee with the customer themselves.
Speaker 3: You could literally go to a place and say, listen,
Speaker 3: I want to do a roof and I know that
Speaker 3: you pay so much per lead, can I get a discount?
Speaker 3: I mean, it's really weird to put it in terms
Speaker 3: like that, but that's how leads work. Every single business
Speaker 3: pays for every lead. They also pay for every signed customer.
Speaker 3: Now that's for a retail business doing business with consumers.
Speaker 1: But what about business to business.
Speaker 3: Well, Dmitri does a business to business thing, and Dmitri, yeah,
Speaker 3: I don't know how you assign a cost for customer
Speaker 3: because it's your time, you're driving around. You really can't advertise, Hey,
Speaker 3: mister in a warehouse who generates cardboard waste, we can
Speaker 3: take that cardboard waste from you and pay you for it.
Speaker 1: How do you advertise that?
Speaker 16: You know, I really haven't found an effective way of advertising,
Speaker 16: because you know, my target market is so tiny. It's
Speaker 16: literally just it's not just that, it's even more narrow
Speaker 16: than that. It's literally like the operations manager at a
Speaker 16: production facility or a distribution center. I mean, my potential
Speaker 16: customers number only a few hundred in the entire state.
Speaker 16: So what works best for me is direct mail.
Speaker 17: One of these dollars for you mail, You do have
Speaker 17: a cost per customer A propect clearly low if I
Speaker 17: don't count my.
Speaker 1: Time, right, So but you got to count your time.
Speaker 1: So if you count your time because you have to
Speaker 1: go and you you have to go close here.
Speaker 16: Yeah, I do everything from prospecting in person to interviewing
Speaker 16: the potential prospect. I don't come back present a proposal
Speaker 16: and then I come back to try to close the deal.
Speaker 16: So it's literally just my time. I don't have any
Speaker 16: salespeople because I've never found direct mails.
Speaker 1: My direct mail is pretty cheap.
Speaker 16: It cost me between a dollar and a dollar fifty
Speaker 16: to send out first class letters.
Speaker 3: Right, but but if you have to send out a
Speaker 3: thousand of them before you get a customer, and that's
Speaker 3: your cost per customer.
Speaker 1: Yeah, basically every one hundred prospects.
Speaker 16: Right, For every thousand letters that I send out, I
Speaker 16: acquire about two customers.
Speaker 1: Wow, so it really so there is a cost there.
Speaker 1: So like it's over five hundred dollars per customer, but.
Speaker 17: That customer becomes a customer for life hopefully. Oh yeah,
Speaker 17: for many many years. And uh and these are relatively
Speaker 17: problem Let's say.
Speaker 1: Your costs for customers five hundred bucks.
Speaker 3: That's about let's just say so for assigned customer that
Speaker 3: that lets you recycle their cardboard, and they actually get
Speaker 3: paid for that.
Speaker 1: By the way, so if you're listening, we'll give you
Speaker 1: his information.
Speaker 3: But what he does is he recycles your cardboard and
Speaker 3: pays you for the cardboard he takes away, so you
Speaker 3: get rid of your.
Speaker 1: Waist, plus you get paid.
Speaker 3: Now, if it costs you five hundred dollars, and a
Speaker 3: company comes to you and says, Dimitri, we're going to deliver.
Speaker 1: Customers to you with our app.
Speaker 3: All we ask is that you pay us two hundred
Speaker 3: dollars for every customer gladly right, Okay, so.
Speaker 1: You pay two hundred to them and then they can
Speaker 1: then decide what to.
Speaker 3: Do with that two hundred dollars. And that's what Upside's doing.
Speaker 3: Upside is saying to these gas stations, we're going to
Speaker 3: deliver customers to you, and we're.
Speaker 1: Going to prove it.
Speaker 3: They're going to use the app, and when they use
Speaker 3: the app and they come to you, you're going to
Speaker 3: give us a finder's fee, and then they split that
Speaker 3: finder's fee with the customer. And so that's how the
Speaker 3: customer gets money every time they fill up their tank.
Speaker 1: And it really works. So no, it's not a scam.
Speaker 3: It really does work. Somebody asks, how do they work?
Speaker 3: You know, do they really work? And yes it is, Yes,
Speaker 3: it is real and it does work. Now three oh
Speaker 3: three seven one three talk is our number seven one
Speaker 3: three eight two five five. If you have any interesting
Speaker 3: things to talk about, give us a call, because this
Speaker 3: is all about consumer life, all about it. Let me
Speaker 3: get to my call screen or here, I'm sorry and
Speaker 3: let me get to you. Okay, I somehow miss Mike
Speaker 3: call scrinner.
Speaker 1: Who's up next? Let me see here let me just
Speaker 1: take to my call Screner. There we are.
Speaker 3: I'm sorry, I just closed it by mistake. So Henry
Speaker 3: wants to do a special and this is really important.
Speaker 3: It's called a certification and we'll talk about it coming up.
Speaker 3: When people buy or sell property, many times they ask
Speaker 3: for a certification of the roof.
Speaker 1: That's sometimes very confusing.
Speaker 3: To people because people say, wait a minute, the roof
Speaker 3: was certified, isn't it guaranteed. We'll talk about that and
Speaker 3: more coming up, plus your calls three oh three seven
Speaker 3: to one three talks seven one three A two five five.
Speaker 1: Meanwhile, if you're looking.
Speaker 3: To compare insurance or to make sure you're not paying
Speaker 3: too much, or to make sure you're adequately insured, free
Speaker 3: insurance checkups the Insurance Help Center dot com three oh three.
Speaker 1: Nine nine six nine thousand.
Speaker 3: Oh your Troubleshooter three oh three seven one three talk
Speaker 3: seven one three eight two five five. So we're going
Speaker 3: to talk about certifications. I want to take uh Don
Speaker 3: first on leaf guard. By the way, there there have
Speaker 3: been so many companies over the years that have tried
Speaker 3: to help you keep your gutters clean. Some of them
Speaker 3: work better than others. They're not bad some of them
Speaker 3: actually are pretty good. And uh, the whole idea is
Speaker 3: to keep your gutters clear and running and and and
Speaker 3: I'm going to take Don's call, but first I want
Speaker 3: to ask, uh, I want to ask Henry from excel
Speaker 3: Roofing as an excellent as I always say, excelroofing dot com, Henry,
Speaker 3: why is it.
Speaker 1: Important to keep gutters clean?
Speaker 3: Let's see, I want to I want the dumbed down version.
Speaker 3: Why why is it important? I mean, people look at
Speaker 3: the gutter and say, well, that's not my roof. So
Speaker 3: what is it about the gutters that help your roof?
Speaker 1: So there's a couple of different things.
Speaker 8: So number one, a lot of times gutters will sometimes
Speaker 8: run underground, and when those get clogged, it causes a
Speaker 8: whole bunch of issues.
Speaker 1: As well as, when gutters get mean gutters drained to underground,
Speaker 1: they have usually a down spout.
Speaker 8: It'll go underground for a little bit and then spill
Speaker 8: out somewhere exactly right.
Speaker 1: Thing like that happens, that's a whole lot of problems.
Speaker 1: You can get ground water around your foundation that way
Speaker 1: can absolutely okay.
Speaker 8: The secondary thing is when you have a bunch of
Speaker 8: like leaves or to breathe in your gutters and that
Speaker 8: water is back flowing through the back of the gutter,
Speaker 8: it might get into your facia board start rotting out
Speaker 8: that face.
Speaker 1: Okay, causing damage. So it can actually go up and
Speaker 1: between the gutter and the and the faciaboard.
Speaker 8: Absolutely, the gutter is meant to drain water in a
Speaker 8: specific direction. So if the if the gutter's plugged right,
Speaker 8: that water has nowhere to go, so it's gonna start
Speaker 8: draining onto the house it'll sit on that.
Speaker 1: A large number of houses have cloud gutters, A lot.
Speaker 8: Do, and people they overlook it because it doesn't seem
Speaker 8: like a major issue until your whole face is rotten now,
Speaker 8: and that's something you'll see.
Speaker 3: It can even back up into the attic in some cases,
Speaker 3: right you know, I think that's more of a rare case,
Speaker 3: but okay, yeah, it could happen, all right now, don
Speaker 3: what is your comment on leaf guard? Now, leaf guard
Speaker 3: brags and but I don't mean that in a bad way.
Speaker 3: Leaf guards claim to fame is that they're one unit.
Speaker 3: It's not a covering, but the whole I believe it's
Speaker 3: a whole gutter system.
Speaker 1: What is your comment on that, Don, yess I bought.
Speaker 18: First of all, I've been listening since Flode Doyle and
Speaker 18: Father John.
Speaker 1: But oh my gosh. Yeah.
Speaker 18: So two years ago I bought the leaf filter and
Speaker 18: recently they're developed a gap and I called.
Speaker 1: Wait, wait was it? Did you buy leaf guard or
Speaker 1: leaf filter? What are you talking about? Which one leaf? Oh?
Speaker 3: I'm sorry the computer? Okay, leaf filter? What is leaf filter?
Speaker 18: Essentially the same thing? I guess that.
Speaker 1: Is it a gutter or is it a covering on
Speaker 1: a gutter?
Speaker 18: It's the covering on the gutter.
Speaker 1: Is it a cap or a mesh?
Speaker 18: It's a mess. And it was like five four hundred
Speaker 18: or something.
Speaker 1: Leaf filter, Yes, wow, yeah, they're really expensive. Is it
Speaker 1: working well?
Speaker 18: Well, it was, but it developed about it had half
Speaker 18: an inch three Corin's gap and was developed was sucking
Speaker 18: in debris. I called them and told him about it,
Speaker 18: and they said it was going to be ninety nine
Speaker 18: dollars to come out and look at it. And I said, well,
Speaker 18: it's a lifetime learntee And I said, let me wait
Speaker 18: till this was Friday. I said, let me wait till Monday.
Speaker 18: I'll call Tom Martino and see what he thinks about.
Speaker 18: And they called me back the next day and came
Speaker 18: out and did it for free. So you saved me
Speaker 18: ninety ninety.
Speaker 1: Oh what did it turn out to be? Thank you?
Speaker 1: What did it turn out to be?
Speaker 18: The gentleman who came out said it was installation, something
Speaker 18: with installation, so it was just enough of it was
Speaker 18: allowing the breed to get in together.
Speaker 3: Now, there are so many, so many systems. I'm looking
Speaker 3: at leaf filter right now, and on.
Speaker 1: The surface when you look at it, it doesn't look bad.
Speaker 1: Has it been Has it been working other than this
Speaker 1: one problem? Has it been working pretty well?
Speaker 18: Yes, sir, I had some problem with ice dam on it,
Speaker 18: and I had to install some of.
Speaker 1: The cable right now.
Speaker 3: By the way, that that is a common problem with
Speaker 3: a lot of butter protection systems.
Speaker 8: Just to clarify the ice damming, just buy the gutter protection.
Speaker 8: It makes it much more prone to ice damming. And
Speaker 8: so if there was any prior ice damming, any like
Speaker 8: the way that it could happen, it just makes the
Speaker 8: problem substantially worse.
Speaker 1: Let's just explain what is ice damming, Henry.
Speaker 8: Ice damming is when a bunch of like water or
Speaker 8: ice collects at the end of your roof and it
Speaker 8: freezes and that now.
Speaker 1: Why doesn't it go into the gutter? And why does it? Damn? Well,
Speaker 1: there's a couple of different ways that happens.
Speaker 8: So when it rains and then freezes, it collects at
Speaker 8: the edge of the roof and then just creates kind
Speaker 8: of like a wall of ice. But usually it happens
Speaker 8: up in the mountains where the water it melts down
Speaker 8: the roof and it collects right before the gutter, and
Speaker 8: then it just starts freezing in the gutter, freezing on
Speaker 8: the roof, okay, and it'll take down the gutters with it.
Speaker 1: Okay, all right? So don did you install heat cable?
Speaker 13: I did.
Speaker 18: I had somebody come out. It was right over my
Speaker 18: wife's wheelchair ramp, so it was pretty dangerous in the winter,
Speaker 18: so I had somebody come Wow.
Speaker 1: Yeah, good card.
Speaker 12: Yeah yeah.
Speaker 3: I think anyone who does gutter protection of any kind
Speaker 3: needs to put in heat wire, no matter who it is,
Speaker 3: no matter what kind. Did you look at gutter helmet
Speaker 3: when you were looking around, because they they used to
Speaker 3: do a lot of advertising.
Speaker 12: I did.
Speaker 18: I looked at them, and I looked at a couple
Speaker 18: of different ones that are on there, and this one
Speaker 18: just seemed to be rated pretty good.
Speaker 1: Okay, thank you very much.
Speaker 3: John three three seven one three talks seven one three
Speaker 3: eight two five five. Cindy has a comment on prepaid
Speaker 3: funerals because I talked about me personally.
Speaker 1: I would put money away, maybe in a trust or
Speaker 1: in some kind of a well yeah, it's a trust
Speaker 1: account to prepay for it. But I would not pay
Speaker 1: an institution.
Speaker 3: We've had cases in the past where people pay institutions,
Speaker 3: but what happens is those institutions either you know, they
Speaker 3: go bad or they they disappear.
Speaker 1: So what's your what's your question or comment? Cindy, Hi,
Speaker 1: So I.
Speaker 19: Just wanted to say, my husband and I prepaid for
Speaker 19: funeral services, oh probably twenty twenty five years ago, and
Speaker 19: with really connedy. Yeah, and okay, we paid so much
Speaker 19: less than.
Speaker 1: What the cost is now.
Speaker 19: And somebody who, oh, yes, do it, who's middle age
Speaker 19: or whatever? It's really I mean, I'm assuming costs or
Speaker 19: funerals are going to continue to go up, but we
Speaker 19: paid so long ago that it's going to cost us
Speaker 19: almost nothing compared to what it costs now.
Speaker 3: Can you give me some real figure, Cindy, Like, can
Speaker 3: you tell us what you paid, and let's compare it
Speaker 3: to today's cost.
Speaker 1: What did you pay?
Speaker 4: We paid about five thousand total.
Speaker 19: That doesn't they'd have to arrange for their own cemetery
Speaker 19: plot that's not included.
Speaker 1: So five thousand is for one? Is it for one?
Speaker 1: Is it for first to die?
Speaker 5: Is it for two?
Speaker 1: How many plans for five thousand and one?
Speaker 9: It's two.
Speaker 4: That's what we paid total.
Speaker 12: Wow, right around.
Speaker 4: Wow, paperwork in front of me.
Speaker 3: But that is a good well, that is a good deal, Cindy.
Speaker 3: That it's like twenty five hundred a piece. That's very
Speaker 3: very inexpensive.
Speaker 4: Yeah, yes, it was.
Speaker 3: And by the way, by the way, I don't recommend
Speaker 3: paying up front, but you've picked a good place. And
Speaker 3: there is an exception for really good places. Haran and Mcconaughtay,
Speaker 3: they've been around for years and years and right now
Speaker 3: they've been taken over by a larger company, but they
Speaker 3: still have that that that heritage that you can trust.
Speaker 3: So Cindy, it worked out, It worked out really good
Speaker 3: for you. That same costs right now, what would that
Speaker 3: cost you right now? About six grand each?
Speaker 9: Oh?
Speaker 19: Probably absolutely? Yeah, yeah, and this includes you know, the
Speaker 19: funeral service and the cremations and the you know, the
Speaker 19: box that you go in and all of that kind
Speaker 19: of stuff. Yes, you know all of those.
Speaker 1: I like way you put that the box out and.
Speaker 19: All that kind of stuff.
Speaker 1: Yeah. Like I said, well, thank you for calling.
Speaker 4: You get very I one more question.
Speaker 1: Real quick, Okay.
Speaker 19: My grandson, My grandson a year ago was arrested her
Speaker 19: a third degree assault at high school. He did all
Speaker 19: of his community service, he did his anger management class.
Speaker 19: We turned in the paperwork before the deadline. But we've
Speaker 19: just gotten a letter saying that he didn't turn in
Speaker 19: the paperwork. There's a warrant for his arrest, and we
Speaker 19: have to appear in court. So I'm wondering if this
Speaker 19: is a final thing and we have to just get
Speaker 19: a lawyer and go to court again, or whether I
Speaker 19: can go and show that we turn it in before
Speaker 19: the date and they'll reverse it.
Speaker 1: Or was okay, okay, Cindy, Cindy.
Speaker 3: I need to know in different jurisdictions, it's handled by
Speaker 3: different people.
Speaker 1: So hold on a second. Do you have the notice
Speaker 1: that was sent to you? I have it right now, enemy,
Speaker 1: All right, hold on and I'll come back to it. Okay,
Speaker 1: I'm going to ask you a couple of questions. I'll
Speaker 1: give you the answer.
Speaker 9: ED.
Speaker 1: What is your comment on leaf filter? Real quick? Go ahead, ED?
Speaker 1: What is your comment?
Speaker 7: Yeah?
Speaker 5: Thanks?
Speaker 10: Okay, So I just heard you guys talking about the
Speaker 10: gutters that kind of go below the ground and I
Speaker 10: have one, and uh, yeah, what is the best Is
Speaker 10: there a salute because I had a recent.
Speaker 1: Route you mean for clearing them out?
Speaker 10: Well, I don't know what's below there. I mean they
Speaker 10: seem to when it rains real okay.
Speaker 1: All right, Henry Britts excel roofing.
Speaker 3: I think one of the best ways to clear those
Speaker 3: out is called water jetting, where you can you can
Speaker 3: send a states. They send a small nozzle through a hose,
Speaker 3: not a regular hose, but they're high pressure hose, and
Speaker 3: they insert it up on top.
Speaker 1: They go down your down spout.
Speaker 3: It goes underground and it and it it water jets
Speaker 3: it to wear it out where it lets out. But
Speaker 3: in some cases it's cheaper to start over where it
Speaker 3: enters the ground and.
Speaker 1: Just do one right next to it. Henry, what were
Speaker 1: you going to say?
Speaker 8: So just really quickly, I'm curious you're saying that this
Speaker 8: happened right after the roofing project.
Speaker 1: They clogged it up. Problem.
Speaker 9: Okay, well I don't know.
Speaker 10: You know, it has happened before. I had that roofing
Speaker 10: job done and they did a complete gutter. But when
Speaker 10: it would rain heavily that point where it would go underground,
Speaker 10: I could see it like kind of flooding upward, you know.
Speaker 1: So I know there's yeah, that is not good. So
Speaker 1: that is not good.
Speaker 8: High probability, that's some roofing debris got into there. So
Speaker 8: like some plastic cap those are But no matter what
Speaker 8: got in there, he's got to clear it out absolutely.
Speaker 8: So I mean as far as doing a water jet,
Speaker 8: though it might not blast that out because it's okay,
Speaker 8: heavy duty.
Speaker 3: Sometimes it's easier, isn't it to just just do just
Speaker 3: do a side by side, just do one right next
Speaker 3: to it and divert it to In other words, ed,
Speaker 3: it's not expensive to where the down spout meets the dirt,
Speaker 3: to just do a alongside the old one, do a
Speaker 3: new one, and just divert that down spout to the
Speaker 3: new one.
Speaker 10: Yeah, I understand it. And by the way, it's right,
Speaker 10: it's right in the walkways, so you either have to
Speaker 10: step over it one way or step over it the
Speaker 10: other way. Uh, you know, it's just completely uh and
Speaker 10: I don't know.
Speaker 1: Okay, you gotta hold on.
Speaker 3: We're we're getting way, We're getting like I got to
Speaker 3: take a break and I'll come back to you. And
Speaker 3: also Cindy about the deferred sentence. Ed, hang on, because
Speaker 3: I'm not sure I'm understanding when you say.
Speaker 1: It's in the walkway.
Speaker 3: Is if there's a concrete walkway, it goes underneath the
Speaker 3: walkway and those are very easy to reinstall, or if
Speaker 3: it goes over the walkway.
Speaker 1: I have no idea what what that's about.
Speaker 3: But hold on, we'll talk about three oh three seven
Speaker 3: to one three talk seven one three eight two five five.
Speaker 3: Hey Tom Martino, your troubleshooter. Three oh three seven one
Speaker 3: three eight two five five. So Ed, I got to
Speaker 3: get this picture right, Okay, Ed, you say you have
Speaker 3: down spouts and then they go underground and then presumably
Speaker 3: they daylight somewhere, meaning they they empty.
Speaker 1: So you're having your.
Speaker 3: What you believe is is some clogging in there because
Speaker 3: you see it kind of a boil over when you
Speaker 3: get a heavy rain.
Speaker 1: Okay, I told you that one of the solutions. One
Speaker 1: of the solutions some people do, is they just put
Speaker 1: a whole new ditch in and bury a brand new
Speaker 1: one and just divert the down spout to the new one.
Speaker 3: It's easier sometimes than trying to figure out where the
Speaker 3: old one is and how to clean it. But then
Speaker 3: you mentioned something about a walkway.
Speaker 10: Yeah, so when you look out the front door and
Speaker 10: you start walking out the you know, on the porch
Speaker 10: and then going out to you know, your garage car
Speaker 10: or whatever, it's like right there on the side.
Speaker 1: Uh.
Speaker 10: And it's not like a Frinch strain where you you know,
Speaker 10: have all the rocks and everything. I mean, it is underground,
Speaker 10: and I think there's a clog. I think there's an obstruction.
Speaker 10: So I guess the quick question I have I'm thinking about, like,
Speaker 10: you know, inside the house, you know, when the drains
Speaker 10: back up, you get a liquid palmer or something like that.
Speaker 14: Is there a no that won't work?
Speaker 1: No, no, no, there are no no.
Speaker 3: Those outside drains they might have stones, rocks, mud leaves,
Speaker 3: They might have, as as Henry pointed out, construction debris
Speaker 3: from when they did your roof. But but no, there
Speaker 3: is no liquid. There is no liquid in the world
Speaker 3: that you can use for an ounce I drain spout.
Speaker 3: You might want to try water jetting. You can rent
Speaker 3: a water jet from from a local rental place and
Speaker 3: you can jet that thing for yourself. Just go and
Speaker 3: put it to you know, disconnect the down spout and
Speaker 3: go underground and see what it gives you.
Speaker 1: It might work. But the as I said, the other
Speaker 1: way to do it, the other way to do it
Speaker 1: is just do a brand new one. Now does it go?
Speaker 3: Do you have a concrete walkway when you were talking
Speaker 3: about that walkway or is it just is it just
Speaker 3: dirt concrete?
Speaker 1: Yes?
Speaker 3: Okay, So does the down spout cross underneath the concrete
Speaker 3: or you don't know, the.
Speaker 10: Down spouts on the side of the house. But then
Speaker 10: there's like a.
Speaker 3: The extension I'm meant, does the extension go underneath the walkway?
Speaker 4: Yes?
Speaker 1: Okay.
Speaker 3: You can divert the new one anywhere you want it,
Speaker 3: and you just have to take it at least about
Speaker 3: how many feet from the house. At least twenty five
Speaker 3: feet from the house, I would say, And then you
Speaker 3: want to have a daylight somewhere. That just means it
Speaker 3: just drains out onto the lawn or a ditch.
Speaker 1: Or something like that. Yeah, So you have two ways
Speaker 1: of doing it. You can go ahead.
Speaker 10: Sorry, the positioning of that down spout and I have
Speaker 10: tried this before to put like a little you know,
Speaker 10: kind of you know, a lever sort of you know,
Speaker 10: extension on that gutter in it, but you have to
Speaker 10: step over and it's kind of a pain in the buve.
Speaker 1: Yeah, no, I know what you mean.
Speaker 12: Yeah, you know.
Speaker 10: So it's just one of those but okay, well I
Speaker 10: appreciate it, and I think, yeah, maybe getting a high
Speaker 10: pressure try to blow all that, you know, but if
Speaker 10: there's a big backup, like you said, it leaves yeah,
Speaker 10: debris from the roofing job, all that stuff in there.
Speaker 10: I mean, how effect is that going to be for
Speaker 10: me to try to blast that all?
Speaker 13: Well?
Speaker 1: It may not, that's the that's the problem, and it
Speaker 1: may not go ahead, Doc, Hey.
Speaker 13: Ed, why don't you call up Gary Sullivan. He's on
Speaker 13: this station on the weekends and he knows everything about
Speaker 13: this kind of stuff.
Speaker 10: Okay, Gary, how how?
Speaker 3: Okay? Okay? I appreciate that. I appreciate that that referral, Doc,
Speaker 3: But right now it you know, the solution is easy.
Speaker 3: You either clear the one that's there, or you put
Speaker 3: a new one in and many many people elect to put.
Speaker 1: A new one in. You can route the new one
Speaker 1: anywhere you want it. It's very easy to do. You're
Speaker 1: putting in a brand extension to your down spout, so
Speaker 1: you can curl it and move it anywhere you want to,
Speaker 1: a night clear area away from your sidewalk, and uh
Speaker 1: and be done with it.
Speaker 7: Uh.
Speaker 1: Three O three seven one three Talks seven one three
Speaker 1: eight two five five. Doc. Were you talking about someone
Speaker 1: who does a weekend show?
Speaker 12: Yeah, on this station.
Speaker 1: Yeah, okay, so so uh and knows everyone. Oh okay, okay, no, no,
Speaker 1: I know Ken Moon used to do that. Ken Moon
Speaker 1: doesn't do it anymore.
Speaker 3: Okay, Yeah, that's a good show. Okay, thank you very much.
Speaker 3: Three O three seven one three eight two five five.
Speaker 1: Artino here three oh three.
Speaker 3: Seven one three Talks seven one three eighty five. Okay,
Speaker 3: So we talked about roof certifications. What is a roof certification? Well,
Speaker 3: many times you'll see when somebody's buying a house, they'll
Speaker 3: ask for a roof certification. What does that mean, Henry?
Speaker 3: What is with excel roofie? What is a roof certification?
Speaker 1: Yeah?
Speaker 8: Absolutely, And to speak to all the real estate agents
Speaker 8: out there, A roof certification is something that is required
Speaker 8: by the transaction to verify that the roof is good
Speaker 8: for another five years or so. We see this with
Speaker 8: home sales and then also refinancing of the home. And
Speaker 8: so if anybody out there is looking to sell their home,
Speaker 8: is selling their home is a real estate agent, I'm
Speaker 8: going to save you about five hundred bucks right now.
Speaker 1: So how are you gonna do that? I'm going to
Speaker 1: offer this for free.
Speaker 8: XCEL Roofing will come out to your property, to your
Speaker 8: listing whatever it is, and we will do a roof
Speaker 8: certification for one hundred percent for free. The numbers three
Speaker 8: oh three seven six' one six' four ZERO.
Speaker 1: Zero a five year roof certification FIVE.
Speaker 8: Year roofsirt and what that, says is in our, professional
Speaker 8: opinion this roof is certified to last for five years
Speaker 8: and it does not need to. Be, replaced now a
Speaker 8: home inspector can't do A, roof sirt can they depending on,
Speaker 8: their qualifications but they're usually required to be a licensed. Roofing,
Speaker 8: Contractor okay so a roof certification is on reef fis
Speaker 8: as well as buying.
Speaker 1: And, selling yes it can apply in. DIFFERENT. Ways yep
Speaker 1: and lenders are the ones that.
Speaker 3: Want it they want to know if they have to
Speaker 3: foreclose on the house that the collateral doesn't need. A.
Speaker 8: Roof absolutely and it's just to verify that the roof
Speaker 8: is in good condition and will last another.
Speaker 1: Five years now think, about that people.
Speaker 3: Right now if you need a, roof certification you call
Speaker 3: now and you Mentioned The. Martino show you will get
Speaker 3: one hundred percent free a five year, roof, certification providing,
Speaker 3: of course the.
Speaker 1: Roof, passes right it's a it's a free.
Speaker 3: Roof certification inspection and if, it passes you get the free.
Speaker 3: Roof certification and all you have to DO is calles
Speaker 3: three zero three seven six one sixty.
Speaker 1: Four hundred take our.
Speaker 8: Number down that's three oh three seven sixty one sixty four.
Speaker 3: Zero zero and excel ex c l excel roofing. Dot
Speaker 3: com that's an. Incredible, DEAL now i have a question,
Speaker 3: for everyone and we're at the end of, this hour
Speaker 3: but we're going to come BACK and i need to
Speaker 3: know ROOMBA.
Speaker 1: Or i what are the.
Speaker 3: OTHER ones i want to know if. THEY work i
Speaker 3: want to hear from people who actually. Have them, You
Speaker 3: know i'm.
Speaker 1: Forever now looking at, You know i'm one of.
Speaker 3: These GUYS if i see a fleck of something on,
Speaker 3: THE floor i either have to get my broom out
Speaker 3: RIGHT or i take a paper towel. Or SOMETHING and
Speaker 3: i want to know do these? Really work but don't
Speaker 3: call me unless you. HAVE one i want to know
Speaker 3: are they? Worth having do they actually roam around your
Speaker 3: house or do they end up getting stuck all?
Speaker 1: The time let. Me Know I'm Tom martine moore, coming up.
Speaker 2: Ripped up who you don't have is The, Ca yeah shooter's.
Speaker 2: Gonna help, Come man this Is The.
Speaker 1: Troubleshooter Show No, Tom Martino Hi tom, Martino here welcome to.
Speaker 1: The show three oh three, seven one three eight two.
Speaker 1: Five five this hour brought to you by Renew home Innovations.
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Speaker 3: dot com three oh three nine zero four.
Speaker 1: Two thousand, all.
Speaker 3: Right what's happening in? YOUR life I Have excel roofing,
Speaker 3: with ME and I Have Jay. Brett Switten.
Speaker 1: Not jay jay's the, Original owner henry joined, his Dad
Speaker 1: and henry's. With us today we're talking about.
Speaker 3: ROOF certifications a, roof certification whether you're buying or selling,
Speaker 3: a property you may be asked for one or refinancing.
Speaker 3: A property lenders often want to know the condition of,
Speaker 3: the roof and it goes far beyond a normal.
Speaker 1: House inspection it's called.
Speaker 3: A certification and so what a roofer does is goes
Speaker 3: up there and basically Says, What henry what does a?
Speaker 8: Roofer, Say yeah so the real estate agent will call
Speaker 8: a roofing contractor out Such As. Excel roofing we'll go
Speaker 8: up onto the roof and basically write a, letter, stating
Speaker 8: hey in our, professional opinion we believe that this roof
Speaker 8: will last an additional five or, so years and that's
Speaker 8: so that they can process the real. Estate transaction this
Speaker 8: this kind of service is usually about like four hundred five.
Speaker 8: Hundred bucks BUT like i, mentioned before we're offering this
Speaker 8: for free, right now go ahead and six one six four.
Speaker 8: Zero zero give.
Speaker 1: That again three ozho three seven six one six four.
Speaker 3: Zero zero somebody asks it, by text how long is
Speaker 3: this good for the?
Speaker 1: Roof certification? Will? IT'LL no i mean, like, no no?
Speaker 1: Like when how how long is this? Free offer is?
Speaker 16: It?
Speaker 8: Today only if they call you Mentioned The, Martino show
Speaker 8: i'll push this out as far as we.
Speaker 1: Need, to okay so if.
Speaker 3: You Mentioned The, martino show you'll get a free roof certification.
Speaker 1: Inspection free that's all you have to do Is. Mention
Speaker 1: martino and that's like a four or five hundred. Dollars
Speaker 1: value and you, know what it's not something that you
Speaker 1: really think about. That, often no. It's not but then
Speaker 1: as soon as you, need it you really. Need it that's.
Speaker 3: Exactly right like, you're refining, they say we need a
Speaker 3: roof certification excel E X C E l excel roofing
Speaker 3: dot com three oh three seven six one six to.
Speaker 1: Four, hundred joe what's going on?
Speaker 3: With?
Speaker 1: You, Joe?
Speaker 6: Hey tom how are?
Speaker 1: You good what's?
Speaker 8: Going on.
Speaker 6: You know a couple. Of things first, of all since
Speaker 6: You have excel roofing in, THE house i would like
Speaker 6: to say that they came out to my House last
Speaker 6: thursday and uh did some work on. My roof, very professional,
Speaker 6: totally satisfied, great custom great advertising you have on. Your
Speaker 6: show they do great Work and i'm very pleased. With
Speaker 6: them now for The nunc.
Speaker 1: I'm glad.
Speaker 7: Yeah.
Speaker 6: They're there they, were great. Absolutely great. All right now for,
Speaker 6: the nuns. So good and this concern Is Done. RIGHT
Speaker 6: plumbing i have them come out to.
Speaker 1: My way it's called it's called done.
Speaker 6: Right plumbing it's called done right whoever, they are they're,
Speaker 6: done right but it's did you say it's.
Speaker 3: It's a plumber. Though right it's not The done right
Speaker 3: The good home. Improvement company Done?
Speaker 6: Right, right well you KNOW they i called them up
Speaker 6: and they wanted to KNOW what. I wanted i think
Speaker 6: they're kind of one and. The same but they do
Speaker 6: provide plumbers, because.
Speaker 1: Well okay how do you spell how do you? SPELL IT.
Speaker 9: B O?
Speaker 6: N e and they have it on the truck DONE.
Speaker 6: RIGHT r, I, ght no it's it's it's not.
Speaker 3: Done, RIGHT okay i know who you're. Talking about it's
Speaker 3: not done, right kitchen. A bath it's not The done,
Speaker 3: right Family the. Hikini family you're. Talking about you're talking
Speaker 3: about a plumbing contractor and It's called.
Speaker 8: Done, THERE yeah i know who you're. Talking about, Oh,
Speaker 8: Hey joe, HENRY here I just i wanted to thank
Speaker 8: you for. Your business we Really.
Speaker 3: Appres hold on one se hold on. One second he didn't.
Speaker 3: Hear you henry just said thanks for. Your business by,
Speaker 3: The way, OH yeah i.
Speaker 6: Heard him tell him he's. MOTING welcome i was. Very, pleased, Yeah,
Speaker 6: okay well so.
Speaker 3: The company that you're talking About Is, Done, Plumbing heating Cooling.
Speaker 3: And electric what's the Issue With, Done, Plumbing heating Cooling.
Speaker 6: And electric they tried to scam me and and the
Speaker 6: cow scam me because they came into. MY home i
Speaker 6: CALLED them i needed a bathtub drain replaced a, bathtub
Speaker 6: drain not, the plumbing just the drain inside of. The
Speaker 6: cub and they wanted to charge me fourteen hundred dollars to.
Speaker 6: Do it this guy wanted to cut.
Speaker 10: My, Pipe, YEAH.
Speaker 1: Joe i need to. Know something when you say, the
Speaker 1: drain tell me about is this? A tub this is?
Speaker 1: A bathtub and what was wrong with the drain.
Speaker 10: Over.
Speaker 6: The YEARS because i Lived In cummery city and we
Speaker 6: had bad water over. The years, the drain just just
Speaker 6: the drain and the tub just corroded and it. Needed replacement,
Speaker 6: nothing else just. The drain and of course the drain
Speaker 6: in the tub screws into, the plumbing the pipe underneath.
Speaker 6: The tub and THAT'S what, i.
Speaker 1: Need RIGHT.
Speaker 3: Can i ask, You, Something joe because a lot OF
Speaker 3: times i had an issue one TIME where.
Speaker 1: I HAD to i had to change out, that drain the.
Speaker 3: Whole circle, you know that whole drain circle that goes
Speaker 3: down and it has a it has a stub of
Speaker 3: about four inches that that meets up with the.
Speaker 1: REGULAR drain i know what you're.
Speaker 3: Talking about but on some tubs you have to lift
Speaker 3: the entire tub to get.
Speaker 1: To it is this an.
Speaker 3: Enclosed area like a tub that has an enclosure, around
Speaker 3: it or is this a?
Speaker 1: Freestanding tub what kind of tub?
Speaker 6: Is it it's a free standing tub in a shower
Speaker 6: and it's and it's and the pipes go into an.
Speaker 6: Open basement now here's here's. The deal after, He came so.
Speaker 3: You mean to tell me they could go downstairs and
Speaker 3: do it from downstairs in. The basement if you go
Speaker 3: into your basement and, look up.
Speaker 6: You can see.
Speaker 10: The, pipe yeah but, the wait but but but?
Speaker 4: What Up and?
Speaker 6: Tom is when, HE left i called up. My cousin he.
Speaker 6: Came over we managed to get an Extractor, from amazon
Speaker 6: got and we got the. DRAIN out i Went to
Speaker 6: low picked up, a drain. Came back the whole job
Speaker 6: cost me thirty, eight bucks and my and my and
Speaker 6: my and my baptub is working. JUST fine I just
Speaker 6: i just that he Wanted to he was talking about cutting,
Speaker 6: my PEACE my, tvc pipes and he wanted to do
Speaker 6: all kinds of crap. DOWN there i was having none.
Speaker 6: Of it and so he's, a PLUMBER and i took.
Speaker 6: HIM downstairs i showed him everything so. He knew it's
Speaker 6: not that he can't say he didn't know or something was,
Speaker 6: in closed BECAUSE like, i said it's totally open. Under
Speaker 6: there you could pull the insulation out and you can
Speaker 6: see the pipe goes underneath indside of. The tub none
Speaker 6: of that had to. BE removed i didn't remove any of.
Speaker 6: That STUFF and i was picked off about it because
Speaker 6: you tried to get me for fourteen.
Speaker 18: Hundred bucks.
Speaker 17: Oh, You Know.
Speaker 1: I'M joe, I, Understand, joe joe what's the reason you?
Speaker 1: Called me? I'm sorry, go ahead what's. The, reason well.
Speaker 6: BECAUSE because i was under the misunderstanding that they were
Speaker 6: part of, your troubleshooter recommend recommended no Deal with because
Speaker 6: that's THAT'S why. I call i always go to.
Speaker 1: Your, list.
Speaker 3: Okay they're not on. My LIST but i will tell.
Speaker 3: YOU this i will tell. YOU this i we don't
Speaker 3: get a lot of complaints about. These people i'm gonna
Speaker 3: be honest. With you we do not get a lot
Speaker 3: of complaints.
Speaker 1: About them.
Speaker 6: You didn't, WANT so.
Speaker 3: I know but HERE'S what i want. To say, ANOTHER
Speaker 3: thing i want, to say pricing is very. Very difficult
Speaker 3: we don't. Control pricing it's very DIFFICULT to i don't
Speaker 3: know HOW do i put this to to to, police
Speaker 3: pricing because so many people they have, book pricing and
Speaker 3: he sees that drain and, that replacement and he just
Speaker 3: goes to the book and says it's going to be fourteen.
Speaker 1: HUNDRED bucks i think, You're, right. Joe though.
Speaker 3: Book pricing in some ways turns out to, be very very.
Speaker 3: Very EXPENSIVE but i don't think you would get it
Speaker 3: done cheaper by any. CERTIFIED plumber i don't. THINK so
Speaker 3: i think that.
Speaker 1: What you did do it yourself is a way, to
Speaker 1: GO but i don't think do you think another company
Speaker 1: would have done? IT cheaper.
Speaker 7: I.
Speaker 6: DON'T know i just think that it comes down, to.
Speaker 6: HONESTY dumb, i, think yeah the thing, about, it well.
Speaker 1: Thanks for, calling, Us, though joe thanks for. CALLING us,
Speaker 1: I mean i don't blame you for, being UPSET but
Speaker 1: i don't think it was a. RIP off i think
Speaker 1: it's what we're.
Speaker 3: Facing today companies are charging to, do work and many
Speaker 3: time consumers they don't put the value to it and
Speaker 3: they don't think it's. WORTH it, i mean it's it's
Speaker 3: happening all over. The place it's not just, with, plumbing
Speaker 3: hating cooling And ELECTRIC did i hear someone?
Speaker 1: SHINE in i just wanted to say. IT'S bo i
Speaker 1: just had a Comment. FOR joe i think that's probably a.
Speaker 20: REASONABLE price i don't think they were ripping, him OFF
Speaker 20: but i just think it's ironic that he Goes and
Speaker 20: joe didn't get ripped off because he had fortitude to
Speaker 20: think about the job and try to go a. Different
Speaker 20: direction so you went. To home it's like the electrician
Speaker 20: that comes out and installs a light a switch in
Speaker 20: your house for one hundred and, fifty dollars and the
Speaker 20: switch is. Two dollars it's just the way it is
Speaker 20: for training and truck time, and advertising and just the way.
Speaker 1: IT is i don't think look.
Speaker 3: At it Look at we're never going to there's always
Speaker 3: going to be the perception that pricing is out of
Speaker 3: whack when people start to doing their own pricing of
Speaker 3: parts and then they start multiplying the labor and they
Speaker 3: start they what they don't look at is this a
Speaker 3: plumbing company OR an hvac company or any kind. Of
Speaker 3: company let's just say they have thirty or forty vans on.
Speaker 3: The street they have to account for an hourly rate
Speaker 3: to keep those vans on the street just.
Speaker 1: Sitting there that van costs. Them MONEY and i know
Speaker 1: that they can.
Speaker 3: Never do it as cheaply ever than someone going out
Speaker 3: and buying a part and getting their cousin to help
Speaker 3: them put. It in they're never going to ever beat that,
Speaker 3: price ever but they're not. Trying to, And again i'm
Speaker 3: not saying that you should pay anything at, any time
Speaker 3: but it's not necessarily.
Speaker 1: A ripoff there's a cost.
Speaker 3: Of, doing business and you're always going to have that
Speaker 3: cost of doing business underlying the. Actual repair so there's
Speaker 3: a cost just going to your home and being there
Speaker 3: and having all the insurance and all of the licensing
Speaker 3: and all of.
Speaker 1: These stuff to be.
Speaker 3: In business now there are people listening to me, right now, whill, SAY,
Speaker 3: ah bs you know that's.
Speaker 1: Too, much well unless you're in business, doing it you don't.
Speaker 18: KNOW.
Speaker 1: That jr you have a question on.
Speaker 3: Roof certifications, go ahead what is your question on that?
Speaker 9: Roof citation how will that help on?
Speaker 10: Insurance rates.
Speaker 1: So the, roof certification it's okay for real.
Speaker 8: Estate transactions it probably wouldn't get you any discount or
Speaker 8: help with, your, insurance right.
Speaker 3: Not, A discount but some insurance companies do require that
Speaker 3: you replace a roof upon initial inspection many times when,
Speaker 3: YOU ensure i mean when you're buying a property and
Speaker 3: you go to get, homeowners insurance.
Speaker 1: They want you to replace. Your roof so if you
Speaker 1: can show them a five, YEAR certification i think it.
Speaker 1: Might help but you know what we're, GONNA. Do jr we're.
Speaker 3: Gonna Ask compass insurance group to weigh in. On that
Speaker 3: so so hang on and let's try To get Compass
Speaker 3: on right after This tal, artino here We Got brian
Speaker 3: Burns From compass, insurance group, and uh it's it's really
Speaker 3: good to. Talk about, hold on the guy was asking,
Speaker 3: about uh, let's, see.
Speaker 1: Rich what is he asking? About? Certification, oh, no, no,
Speaker 1: no yeah but there was ANOTHER thing i had in. Mind,
Speaker 1: too okay, you're right.
Speaker 3: Roof certification but in THE meantime i had a text
Speaker 3: on something. As well but first, And Foremost brian burns the.
Speaker 3: Roof certifications do insurance companies ever ask for a roof
Speaker 3: certification before they will ensure? A, home no because they
Speaker 3: really roof certifications don't really.
Speaker 14: Mean anything the roofers aren't certifying anything as far as.
Speaker 14: A guarantee they're just giving you an opinion of what
Speaker 14: they think the. Roof is but it's never going to
Speaker 14: be anything that sways an. Insurance company the only thing
Speaker 14: they really want to know is if you're buying a
Speaker 14: house and no one knows when the roof was, last
Speaker 14: replaced that there's just no evidence. Of it AND what
Speaker 14: i could use a certification for is really not the
Speaker 14: certification more or less what the estimated age of the
Speaker 14: roof according to, the ROOFER and i could probably use
Speaker 14: that as the basis for.
Speaker 18: The, policy.
Speaker 3: Okay under what circumstances do insurance companies require that you replace,
Speaker 3: the roof like when you go to insure. A, house.
Speaker 14: Yeah so what they, Would, do well it's gotten so
Speaker 14: bad at, This, point tom that if a roof is
Speaker 14: over a, certain age a lot of insurance companies won't
Speaker 14: even write. The insurance and that age is so much
Speaker 14: earlier than it used. To be a lot of carriers
Speaker 14: look at a roof over an asphalt roof over ten,
Speaker 14: years old they won't even insure. It anymore now there's carriers,
Speaker 14: that will but there's a lot of them. That won't
Speaker 14: and so really what it boils down, to though with
Speaker 14: the rest of them is if it is an, older
Speaker 14: roof when they do, the inspection if they see that
Speaker 14: the roof is in, poor shape they'll send out that
Speaker 14: thirty day notification. Of cancelation so, they'll, say hey you
Speaker 14: either replace the roof or we're not going to insured. It, anymore,
Speaker 14: so now wait.
Speaker 3: A minute so not only when you first get insurance
Speaker 3: would they require you to, do it but if you're with,
Speaker 3: a company let's say for five or six or, eight
Speaker 3: years and your roof gets, up there they can actually
Speaker 3: make it a condition.
Speaker 1: Of, RENEWAL well.
Speaker 14: I don't see that, as often because you don't really
Speaker 14: see insurance companies very often sending out an inspection.
Speaker 1: At renewal.
Speaker 14: That's abnormal there would have to be some reason. Behind it,
Speaker 14: so no okay will happen in a, policy though is
Speaker 14: a lot of policy. Language now once a roof hits a,
Speaker 14: certain age if it's, ten years fifteen years and, asphalt
Speaker 14: roof once it hits, that age at the, next renewal
Speaker 14: they'll change the actual cash value on. The policy so
Speaker 14: that's how they limit. Their exposure it's not by non.
Speaker 14: Renewing them it's, just, saying okay now we're only going to. Pit,
Speaker 14: play okay appreciated amount after, this year.
Speaker 8: We've seen that a, lot TOO and i don't think
Speaker 8: that the agents are quite communicating that to the customers.
Speaker 1: Well enough you mean.
Speaker 8: The, ACVs, yeah absolutely because the customers they're all under
Speaker 8: the impression that they HAVE in rcv policy and that
Speaker 8: their roof is.
Speaker 1: Fully covered and as soon as that policy, you.
Speaker 3: Have you run across people that after a storm were
Speaker 3: shocked at how much they were going.
Speaker 8: To, get, absolutely absolutely it's been happening, a lot especially this,
Speaker 8: past year because people they have these, three four five
Speaker 8: thousand dollars deductibles all of, a sudden and they're only
Speaker 8: getting paid out maybe two three thousand dollars on. The
Speaker 8: roof and then what happened is the insurance company comes
Speaker 8: in and tells them that if they don't replace, their
Speaker 8: roof they're then going to. Cancel them so they either
Speaker 8: have to pay fully out of pocket or pay this
Speaker 8: three five thousand dollars deductible and only get a couple
Speaker 8: thousand out of.
Speaker 1: The.
Speaker 3: Roof, Man, so brian there are a lot OF people
Speaker 3: i imagine that face having to pay for their, own
Speaker 3: roof and that's something people aren't used.
Speaker 1: To doing, in fact what.
Speaker 3: Percentage, Of, customers henry what percentage of customers are?
Speaker 1: Self pay you know what is really.
Speaker 8: Increased a lot this. Past year you got to remember
Speaker 8: that we had the big storm in twenty three and.
Speaker 1: Twenty four, so yeah. That's true but approximately on a,
Speaker 1: given year would the majority of people still?
Speaker 8: Be, Insurance Absolutely but i'm just saying like there's probably,
Speaker 8: ten percent which is massive compared to five, Years, ago
Speaker 8: okay because nobody would.
Speaker 1: Do, it right and so that number it keeps growing.
Speaker 8: Every year and what happens is we end up financing
Speaker 8: all these custom because not a lot of people have
Speaker 8: thirty forty dollars to just replace.
Speaker 1: Their room, NO pocket i would say, The.
Speaker 3: Roof brian when it comes, to insurance the roof is
Speaker 3: the biggest.
Speaker 1: Single item don't you think it's the.
Speaker 14: Most common claim by. A landslide it Is Why colorado
Speaker 14: insurance is you know why they just can't seem to.
Speaker 14: Make money it is it's, not fires it's. NOT water,
Speaker 14: i mean those are. All claims it is by far
Speaker 14: Hail and win specifically to.
Speaker 18: The roof so but.
Speaker 14: He's right, you know people don't realize how high they're deductibles.
Speaker 14: HAVE gone, i mean we go so overboard on our on.
Speaker 14: Our application i'll have a separate sheet that tells them
Speaker 14: if they're choosing to go actual cash value or if
Speaker 14: it's going to go there at. SOME age i try
Speaker 14: to point it out and make clear, that hey at,
Speaker 14: this age just. What happens and that's really the.
Speaker 8: Right way to, do it because a lot of people
Speaker 8: that we've been running into have no idea and then
Speaker 8: they end up with that point where they have to
Speaker 8: hey out.
Speaker 1: Of pocket, oh man that that is, A, Shocker brian
Speaker 1: thank you.
Speaker 3: Very much for uh and then of course that's where
Speaker 3: you get your free insurance check Up The Insurance health
Speaker 3: center dot com three oh three nine nine six. Nine
Speaker 3: thousand three oh three nine nine six. Nine thousand so
Speaker 3: people remember what he's saying, Is this if you, have
Speaker 3: insurance they'll keep, renewing you but at some point may
Speaker 3: convert you TO an acv and you'll.
Speaker 1: Get some notice in the, mail saying, you know change to.
Speaker 3: Your insurance and a lot of people don't pay attention,
Speaker 3: to it but it's really, important Because As henry Bretts
Speaker 3: At excel, roofing says you may end up with a
Speaker 3: hailstorm one day and then, find out wait, A minute
Speaker 3: i don't have. REPLACEMENT value I have. Acv value and
Speaker 3: we'll go over exactly excuse me how. That works coming
Speaker 3: up On The troubleshooter show right, after This p'l MARTINO
Speaker 3: here threeo three seven to one three talks seven one
Speaker 3: three eight two.
Speaker 1: Five, five chris you want to talk about, Homeowner's, insurance chris?
Speaker 1: Homeowner's insurance, my god has? It been has got? Complicated lately, Go, Ahead,
Speaker 1: Chris yeah.
Speaker 16: I'll give you.
Speaker 15: MY story i was up for Renewal on may Eighth
Speaker 15: From travelers insurance. Homeowners INSURANCE so i guess they sent
Speaker 15: an inspector out to look at my house for, the
Speaker 15: renewal which. Was fine but the NEXT thing, I know
Speaker 15: i Worked With, compass INSURANCE so. I called they called
Speaker 15: me and said that there was an issue with the
Speaker 15: shed that's in. My, backyard now this is just. A
Speaker 15: shed it's got, no electricity. No, plumbing uh you know
Speaker 15: it's It's not it's just a shed for. Storage basically
Speaker 15: so they came back and SAID that i need to
Speaker 15: put gutters profit and fetia on my shed and to
Speaker 15: replace the roof and.
Speaker 1: Paint too.
Speaker 15: Have you ever heard of, that before painting or putting
Speaker 15: gutters on? A shed?
Speaker 3: You KNOW all i can think. IS this, i mean for,
Speaker 3: some reason they're insuring it and they wanted up to a.
Speaker 3: CERTAIN standard i.
Speaker 1: Have, no Idea but i'd like To get brian. Back
Speaker 1: on did You say compass is?
Speaker 9: Your?
Speaker 1: Agent?
Speaker 10: Yes? Yeah?
Speaker 1: Nick okay and who was the who was? The underwriter?
Speaker 1: What insurance.
Speaker 15: The New the travelers was the? Old one told ME
Speaker 15: what i had. To do Nick with compass went through
Speaker 15: exclude my shed.
Speaker 1: Went Through, what okay THAT'S what i was just, hold on, Hold, On, So,
Speaker 1: Chris chris THAT'S what i was going. To ask did
Speaker 1: they exclude? The shed.
Speaker 15: Travelers would not exclude, the SHED so i had to
Speaker 15: go with, Another Company, auto owners and they excluded. The
Speaker 15: shed but my insurance because, OF that i went from
Speaker 15: three thousand dollars a year to six thousand dollars.
Speaker 10: A year.
Speaker 1: Because you Went from Travelers To.
Speaker 15: Auto, owners YES and i excluded the shed in, THE back.
Speaker 12: I get it to.
Speaker 15: Have less what do you Think that i'm paying twice?
Speaker 10: As, much.
Speaker 1: Well but everyone is. Doing that that's not just the,
Speaker 1: you know you understand that everyone's insurance is. Going up
Speaker 1: but did they shop? YOU around i imagine. They, did yes.
Speaker 15: They did my issue IS if i would have done
Speaker 15: all of that work to, my shed which is probably
Speaker 15: about two or three thousand dollars worth, of Work then
Speaker 15: travelers would have come to me at the. SAME rate
Speaker 15: i was paying three thousand dollars, a year, BUT no
Speaker 15: i had to switch and get. It Excluded now i'm
Speaker 15: paying six thousand dollars.
Speaker 10: A year why?
Speaker 12: Is, that.
Speaker 1: Well that's a. Good question are you sure that if
Speaker 1: you did the repairs on your shed that your renewal
Speaker 1: would have been. Much, lower yes it.
Speaker 15: Would have been the same AS one i was thing
Speaker 15: right around thirty two hundred. A, year.
Speaker 1: Well did You ask compass?
Speaker 5: About, it yes THEY.
Speaker 15: Said i have to do the WORK if i want
Speaker 15: them to.
Speaker 10: Cover, ME.
Speaker 9: No i.
Speaker 3: Understand that but did they explain to you that it
Speaker 3: would be cheaper to do the improvements and to take
Speaker 3: the lower renewal or did they?
Speaker 1: You know That's what i'm trying to. Figure out it.
Speaker 1: Sounds likely it sounds like. YOU'RE upset i wanted to.
Speaker 1: MAKE sure i wanted to make sure the purpose of.
Speaker 1: The call are you Upset that compass did not recommend
Speaker 1: that you?
Speaker 5: Keep, Travelers no i'm upset that a shed is, the
Speaker 5: issue something that is worthless on my property and just
Speaker 5: stoeses a lot far and a snowboar that they want
Speaker 5: me to do.
Speaker 15: All this work.
Speaker 1: On, IT.
Speaker 10: No i am on.
Speaker 12: A shed.
Speaker 1: I don't know that's, the ANSWER and i want to
Speaker 1: find out. In, General, so chris you bring up a really.
Speaker 1: Good point so let's Bring up, brian Again because.
Speaker 3: I'd like to ask him, in general why they require certain,
Speaker 3: you know why don't they Require certain why do they
Speaker 3: require certain improvements on? Certain, Things now Henry At, excel
Speaker 3: roofing do you guys get.
Speaker 1: Calls around insurance?
Speaker 3: Renewal time is this a pretty busy time when they
Speaker 3: decide that they need to.
Speaker 1: Do something have you ever heard? Of that you, know what,
Speaker 1: it's not but it.
Speaker 8: Should be and THE reason i say that is because
Speaker 8: these insurance companies are not notifying the homeowners that the
Speaker 8: renewal is changing, their, policy right and so we'd expect
Speaker 8: to get calls or in, that moment but.
Speaker 1: We, Don't okay so you're saying that you get a
Speaker 1: lot of homeowners. Core blindsided, so many, so many so
Speaker 1: many homeowners and they can't get upset, with you but.
Speaker 5: They're.
Speaker 8: Upset, Yeah absolutely and in THIS case i understand why
Speaker 8: he's upset because this is probably a shed that was
Speaker 8: built by like a home Depot or low's or something,
Speaker 8: like that and they don't build them. The code it's
Speaker 8: not really an extension of. The house and then they
Speaker 8: want him to upgrade it to have you.
Speaker 1: Ever come across cases like that where they want him to.
Speaker 1: UPGRADE sheds i haven't really heard of something.
Speaker 7: Like, this no this.
Speaker 8: Is, STRANGE yeah i understand why, it's HAPPENING but I
Speaker 8: agree i think, It's, Wrong, Okay.
Speaker 1: Brian Brian Burns.
Speaker 3: Compass, Insurance, Hey brian so this guy has an outsd
Speaker 3: that he. Just snores all he does is stores a
Speaker 3: lawnmower and a snowblower. In it and he says it's
Speaker 3: just a piece of crap shed on. His property and
Speaker 3: he's with. You guys by, the way he's not complaining about.
Speaker 3: You guys but traveler said that he had to do
Speaker 3: all kinds of improvements on.
Speaker 1: That shed, why Well.
Speaker 14: Because i'm NOT saying i agree, with this because it
Speaker 14: is it has become kind of ridiculous how much they're
Speaker 14: looking at these other structures of this case. Of shed
Speaker 14: they do have coverage, for it and that would be
Speaker 14: the reason they're concerned, About it i'm sure is that they.
Speaker 14: Have coverage it's ten percent of your dwelling limit automatically
Speaker 14: extends for. Other structures so if there was a windstorm
Speaker 14: that blew, it down, let's say or a fire, or,
Speaker 14: something yeah they do have to pay for that other
Speaker 14: structure that in this case. The SHED where i think
Speaker 14: it gets ridiculous is you'll get customers who, ARE like
Speaker 14: i don't care about. The shed it doesn't if it,
Speaker 14: GOES down i don't want. IT replaced i. Don't care
Speaker 14: and even in, those cases some of these insurance companies
Speaker 14: they get to be sticklers. On them, they, said well
Speaker 14: we're not going to ensure it unless you upgraded or
Speaker 14: get rid of it.
Speaker 10: Right now get rid of it.
Speaker 3: Right now but when you say get rid, of it
Speaker 3: can't they simply. Exclude it.
Speaker 14: There are some carriers that will that will actually allow
Speaker 14: you to, exclude it but. Others won't and, they say,
Speaker 14: you know we're going to be on the hook for
Speaker 14: this either way if, something happens even if we try to.
Speaker 14: Exclude it because their policy, language is, you know. Pretty
Speaker 14: rigid it doesn't allow them to actually have these. Carve
Speaker 14: out they know they would have, to defend if, nothing
Speaker 14: else if the person was trying to make a claim.
Speaker 14: On it but it really depends on if you have
Speaker 14: a more underwriting friendly type carrier that's willing to go outside.
Speaker 14: The boxes a Company. Like travelers they're a, good company
Speaker 14: but they're. Pretty rigid they don't really let you go
Speaker 14: outside the lines of what, their policy, you know, SAYING
Speaker 14: right i.
Speaker 3: Want to ask you ABOUT his i want to ask
Speaker 3: you about his renewal. Coming up it's JUST something I
Speaker 3: have i'm curious about when it comes to renewing policies
Speaker 3: and up. Being premiums hold on, a second we got
Speaker 3: more coming up On The troubleshooter. Show Nights tom martinez
Speaker 3: here at three, oh three seven to one to three
Speaker 3: talk seven one three eight two.
Speaker 1: Five, Fives So, brian burns, YOU know i think there's
Speaker 1: a certain amount of confusion when it comes when it
Speaker 1: comes to. Renewing. Insurance yeah in this, particular case let
Speaker 1: me tell you.
Speaker 3: What happened he was told he had to do repairs
Speaker 3: on his shed would have cost him two or three,
Speaker 3: thousand dollars but he said he would have.
Speaker 1: Been removed he would have been renewed.
Speaker 3: For the, old rate and by switching to auto owners
Speaker 3: and excluding, the shed, he said his.
Speaker 1: Premium doubled so that doesn't make sense, to me, He,
Speaker 1: says chris are You sure travelers would have renewed you
Speaker 1: for the.
Speaker 12: Same, rate YES.
Speaker 14: But I guess i don't know what. You mean he
Speaker 14: they would have renewed you for the same rate if
Speaker 14: you didn't Have, The.
Speaker 3: No no if he did the repairs to, the shed
Speaker 3: if he spent two or, three grand they would have
Speaker 3: kept his premium. The same what he did was, excluded
Speaker 3: it and now he's paying double. The premium he said
Speaker 3: it actually would have been better for him to do.
Speaker 1: The, repairs well did?
Speaker 14: You not did you not get the option to? Do
Speaker 14: that couldn't you have?
Speaker 10: Done that or?
Speaker 15: Was it are you saying it wasn't communicated that you could.
Speaker 14: Have that you could have done the repairs and kept.
Speaker 15: The, Policy, no no it was communicated to me that
Speaker 15: the inspector is the one that said you need on
Speaker 15: this side of. The race you need to put a new,
Speaker 15: roof on you need to put, new facia soft, and
Speaker 15: gutters and you need to paint the. Whole, thing okay
Speaker 15: this is on the head that, does, nothing no, no
Speaker 15: plumbing it's.
Speaker 5: It's.
Speaker 1: Shed, YEAH no i, hear You And i'm chris.
Speaker 14: Saying, THAT there i. Get it and it seems ridiculous
Speaker 14: for asking you to. Do that but you knew at
Speaker 14: that point if you, did that you could keep the Policy. With, traveler, Yes,
Speaker 14: okay oh then why.
Speaker 1: Didn't you why didn't you? Do, It chris That's what.
Speaker 1: I'm curious why didn't you choose to do?
Speaker 15: Those, repairs well basically because in The future i'm going
Speaker 15: to rip the shed, down ANYWAY because i plan on building.
Speaker 15: A garage i'm not ready to do, that YET and
Speaker 15: i don't want to spend two or thousand dollars that'll,
Speaker 15: you know last me a year.
Speaker 8: Or, Two.
Speaker 1: Gotcha but don't you end up paying that and increase
Speaker 1: didn't you end up owing that in? Increased?
Speaker 15: Premiums, Yeah exactly SO if i Pay for i'm going
Speaker 15: to end up paying the three thousand dollars. Extra, anyway.
Speaker 1: Well That's why.
Speaker 3: I'm asking if it was up to ME and i
Speaker 3: could do the repairs on the shed and keep a
Speaker 3: lower premium for years, TO come i would do that
Speaker 3: instead of having a.
Speaker 15: Higher, premium yes Sometime when i'm a little bit slower at,
Speaker 15: The work i'm going to do the work.
Speaker 1: On it but this is.
Speaker 10: My point my.
Speaker 15: Point is why is a shed acting like a house
Speaker 15: that someone. Lives in why why do they look at
Speaker 15: a shed the same as they do, my.
Speaker 14: House only because they're house covered if something happens.
Speaker 12: To it that's what my.
Speaker 14: Point was they won't allow us. To exclude they're one
Speaker 14: of the carriers that doesn't allow us to exclude, other
Speaker 14: structures so they're saying we have to pay, for this
Speaker 14: whether you're saying right now. They don't, by contract, they
Speaker 14: DO so i get it was, a law they would
Speaker 14: be on. The HOOK whether, i mean people change when
Speaker 14: there's an. Actual loss sometimes people that said they don't
Speaker 14: care about it before could hold them to the contract
Speaker 14: of course and, SAY no i do want. This covered
Speaker 14: so their, point is if we're going to have to,
Speaker 14: cover it we want it to be, you know appropriately
Speaker 14: addressed some of the problems.
Speaker 8: OF it i.
Speaker 1: Get, it, okay listen thank you very much for calling
Speaker 1: it is a.
Speaker 3: Weird situation but some policies will allow you to include,
Speaker 3: out buildings others. Will not you guys better be looking
Speaker 3: at your premiums and your insurance coverages right now because there.
Speaker 1: Are a lot. Of changes we have more coming Up
Speaker 1: On The. Troubleshooter Show.
Speaker 2: Ripped news need it so you don't have.
Speaker 18: Run in just as as.
Speaker 2: We can shooter's gonna.
Speaker 4: Help come.
Speaker 7: This Is The.
Speaker 1: Troubleshooter Show No, Tom, Martino Hey tom, Martino here welcome to.
Speaker 1: The show three oh three seven one three talk seven
Speaker 1: one three eight two. FIVE five i can safely say
Speaker 1: this is a show where we discuss everything, And anything
Speaker 1: and unlike any, other show we actually talk about, everyday
Speaker 1: life the things that make, you tick the things that tick.
Speaker 1: You off, All RIGHT so i asked about THE room
Speaker 1: ba and got some quite.
Speaker 3: Interesting texts, one says it works PERFECTLY and i never
Speaker 3: have those little specks on the floor that catch, the
Speaker 3: eye and it keeps my pet hair. All vacuum another
Speaker 3: one said it's a piece. Of garbage it's the WORST
Speaker 3: investment i. Ever made it, gets stuck it doesn't know where,
Speaker 3: it is and really it's made for a square apartment with.
Speaker 1: No OBSTACLES but i don't know if. That's, True NOW
Speaker 1: deputy d has a friend who has one or two
Speaker 1: of them in their home and it. Roams.
Speaker 16: Around yeah they both works. Just great they just kind
Speaker 16: of roam around during quiet hours and they suck Up THE.
Speaker 1: Like i was going to, ask you how do you
Speaker 1: know what hours do you? Program?
Speaker 16: It yeah they have a phone app and so you
Speaker 16: put in the quiet hours or whenever you want these
Speaker 16: things to be excluded, from operating or when you want
Speaker 16: them to.
Speaker 1: Be operated they. Creep around they they find their way
Speaker 1: back to, their base find.
Speaker 9: Their way to.
Speaker 16: Their base but more, than that they dock with, a
Speaker 16: base and the dock has another vacuum inside, of it
Speaker 16: and it sucks all the trash out of the vacuum
Speaker 16: cleaner robot into. The base what kind of what kind?
Speaker 16: IS that i don't remember that it's one of the two.
Speaker 16: Big Brands It's eye Robot. OR rumba i think those are.
Speaker 16: The two, And man i'm, Telling you i've seen what's
Speaker 16: inside that home base and it looks exactly like the
Speaker 16: inside of a like one of those dust collection bags in.
Speaker 1: The vacuum BUT when i look.
Speaker 3: Around in an apartment or a house OR first i
Speaker 3: look at the Floor and, i'm thinking how will it
Speaker 3: ever know where? IT'S going, i mean there's so many
Speaker 3: cracks and crevices.
Speaker 16: And metal hey d It map so it's got bumpers
Speaker 16: built around it and also has some sensory devices that
Speaker 16: can see and so you will see some obstacles before it,
Speaker 16: contacts them and other obstacles will contact them and remember
Speaker 16: where this obstacle is so you'll avoid it in.
Speaker 13: The future trends have a go. AHEAD doc i JUST
Speaker 13: found i. HAD one i used it for three DAYS
Speaker 13: and i found that it doesn't work. On carpet it
Speaker 13: works great on hardwood floors or, vinyl floors but not
Speaker 13: very well on carpet because it doesn't have the weight
Speaker 13: to get down between. The threads THAT'S what. I, FOUND
Speaker 13: oh i.
Speaker 8: Think it depends on the length of the, Carpet too
Speaker 8: BUT all i know is mine gets stuck.
Speaker 17: Under.
Speaker 1: It wall you, HAVE one, i do and. It works i've.
Speaker 1: LOST it i don't know where. It is it's under
Speaker 1: a bed or a couch. Or. Something, yeah now the
Speaker 1: one thing to watch.
Speaker 16: Out For and I'VE seen i don't have experience with,
Speaker 16: this Personally but i've seen lots Of well i've seen
Speaker 16: a couple. Of videos if your dog or cat leaves
Speaker 16: a certain present in the middle of, the floor like, A,
Speaker 16: poop yeah and the machine doesn't, recognize.
Speaker 1: It you won't believe. The mess it spreads a whole over.
Speaker 12: The house oh.
Speaker 16: My, God yeah so you gotta be careful if you
Speaker 16: if one of, your animals.
Speaker 3: When, you say doesn't, recognize it does it have a
Speaker 3: way to recognize? SOFT things i mean not, just poop but.
Speaker 3: Anything soft it could it could spread.
Speaker 1: All, over. Yeah. Exactly yeah if you have doesn't sense,
Speaker 1: SOFT things i.
Speaker 12: DON'T know i don't, like like if.
Speaker 1: You spilled let's just say like a scoop of ice cream.
Speaker 1: Was spilled technically it was spread. It all i'll bet
Speaker 1: you will go all over.
Speaker 9: Your.
Speaker 1: HOUSE now i saw one where you add water and
Speaker 1: it actually has a light miss. To, it oh that'd be.
Speaker 1: Pretty cool or you can add a, floor cleaner SO
Speaker 1: rumas i want some real. Life Experiences doct you said
Speaker 1: you had yours a few days that you did you?
Speaker 1: RETURN it i sent.
Speaker 12: It, back yeah it just wasn't?
Speaker 1: Which kind did you have?
Speaker 12: A rumba.
Speaker 1: And did you say it wasn't cleaning the carpet?
Speaker 13: At all cleaning the carpet, very well because in order
Speaker 13: to get stuff that's down in, the piles you need,
Speaker 13: some weight and it doesn't have enough weight to get
Speaker 13: really down into the.
Speaker 12: CARPET fibers.
Speaker 1: I don't understand why. You, would, MAYBE okay i see
Speaker 1: what you're. Saying, NOW anyway i now had another text
Speaker 1: saying that they use it only in certain areas and
Speaker 1: block it off to other areas where it's.
Speaker 3: More complicated, and again you can program it, yourself too
Speaker 3: right is?
Speaker 1: That right Deputy?
Speaker 16: D uh you could program its hours. Of operation, oh
Speaker 16: oh you can also exclude it from certain parts.
Speaker 1: Of you THAT'S what. I, meant okay you can exclude
Speaker 1: it from. Certain, parts yeah it's a very.
Speaker 16: Convenient.
Speaker 3: Thing okay and then on, another topic someone took exception.
Speaker 1: To it then someone ELSE said i was. Exactly right We,
Speaker 1: get okay if you figure out how Many calls i've
Speaker 1: taken in forty five years and fifty years if you
Speaker 1: count Outside, of denver but or fifty. One years if
Speaker 1: you think, about this all The calls, i've taken and
Speaker 1: all the categoric categorizing, of calls and there's one set
Speaker 1: or subset, of PEOPLE and i don't know even what to,
Speaker 1: call Them but i'm going to explain them.
Speaker 9: To you.
Speaker 1: They don't hold. A job they are disabled by their.
Speaker 1: Own definition they have a sensitivity to mold or raidon,
Speaker 1: or asbestos or they're, deathly ill, they're dying although they
Speaker 1: have no. Real diagnosis but they are, totally. Helpless totally.
Speaker 3: They're either on, food stams, social, services medicare disability or something.
Speaker 1: Like that.
Speaker 3: They depend totally on friends and neighbors and relatives to
Speaker 3: help them through. Their rut or they're completely alone and
Speaker 3: they blame everything and everyone for.
Speaker 1: Their problems everyone they have never once, Taken responsibility they've
Speaker 1: never admitted to. Being lazy the world owes them and
Speaker 1: they are.
Speaker 3: Total, Losers, HEY tom i don't get a lot Of, Calls,
Speaker 3: munchausen yeah by proxy Or.
Speaker 1: Just lunchausen so this may be.
Speaker 13: Which one this may Be, emotional munchausen where You know
Speaker 13: munchausen is.
Speaker 12: Where you think that you're sick with.
Speaker 13: Physical illnesses this may be a Subset of munchausen where
Speaker 13: there's they think they're.
Speaker 12: Sick, PSYCHOLOGICALLY.
Speaker 3: Well i don't even know if they think they're they're.
Speaker 3: PSYCHOLOGICALLY sick i think they just think. They're sick. They're
Speaker 3: disabled they they latch, onto disability they want to. Be
Speaker 3: disabled they literally talk about their disability all.
Speaker 1: The time, and yeah that's. Exactly Right and.
Speaker 3: Munchausen by proxy would be where you do that with
Speaker 3: a child instead of yourself to. Get attention correct and
Speaker 3: and sometimes There's munch munchausen by proxy with, Pets Even
Speaker 3: but munchausen syndrome is basically you got something wrong. With,
Speaker 3: You right you've heard these calls on. My show you've
Speaker 3: heard them and you've tried to. Navigate them AND and
Speaker 3: i don't always tell it like. IT is, i mean
Speaker 3: we have a culture now where anything goes and everything,
Speaker 3: is recognized.
Speaker 1: But we got to call a loser.
Speaker 3: A loser we do people who latch, onto disability people
Speaker 3: who latch. Onto sickness i'm not talking about genuinely disabled
Speaker 3: people or people who are striving to get along. Every
Speaker 3: day i'm talking about people who latch onto symptoms and
Speaker 3: search for, a diagnosis and it always centers around something they,
Speaker 3: can blame and most a lot of it.
Speaker 18: Is.
Speaker 1: Mold, Okay now i'm not.
Speaker 3: Saying there aren't people who get sick, by Mold but
Speaker 3: i'll bet you the vast majority of people that call
Speaker 3: me about mold illness, are, crazy okay and radon, and
Speaker 3: asbestos because first, of all the exposure to those things
Speaker 3: have to be so long and so deep and so
Speaker 3: plentiful that there's no doubt.
Speaker 1: About it it's not just living in an apartment that
Speaker 1: had some mold for.
Speaker 3: A month we've had families who call this SHOW and
Speaker 3: i Swear, to god everyone in their family.
Speaker 1: Is sick they say because of.
Speaker 3: This mold and what's really funny is it's only after
Speaker 3: they discover the mold then they go back and they
Speaker 3: do a revision of their whole. Health history it's not just,
Speaker 3: going forward but they revise. Their past, oh yeah come
Speaker 3: to think, OF it i haven't been feeling.
Speaker 1: Too well and this. Is, why.
Speaker 3: Now in addition to having the substance to blame or
Speaker 3: the condition, to blame sometimes they, blame people or they,
Speaker 3: blame jobs or they blame, invisible demons people spying, on
Speaker 3: them or people out to, get.
Speaker 1: Them or a neighbor or a friend who. Turned foe it's.
Speaker 1: A shame it's. A SHAME and i can identify them almost,
Speaker 1: at hello almost.
Speaker 3: That hello it's a certain Type, Of. Hello tom it's
Speaker 3: like or they're totally bat. Crap, crazy now i'd like
Speaker 3: to know do you like. Your roomba i'm thinking about.
Speaker 1: Getting One but i'm not sure which kind.
Speaker 8: Of get.
Speaker 1: Let me know if you like it. Or, Not okay
Speaker 1: speaking of, emotional distress.
Speaker 3: What would you say is the most depressing job or
Speaker 3: area of jobs if you had to.
Speaker 1: Pick one there has been a very, extensive no believe it, Or,
Speaker 1: not no there has been an extensive study done on
Speaker 1: the most depressing Jobs. In america how the mental.
Speaker 12: Health studies we got to listen to problems all, day
Speaker 12: long eight hours.
Speaker 10: A day.
Speaker 1: Researchers say.
Speaker 3: That this needs to serve as a giant wake up
Speaker 3: call to employers so they can they can design mental
Speaker 3: health benefits to help.
Speaker 1: These people so they analyzed a half A million. Us
Speaker 1: workers the data was collected between twenty fifteen and. Twenty nineteen.
Speaker 3: There were eighty thousand cases of depression within. That grouping
Speaker 3: some industries stood out as. Especially grim other industries stood.
Speaker 1: Out as being. Very healthy oh, my god you're not
Speaker 1: gonna believe what. Just, HAPPENED no i swear. TO you
Speaker 1: i oh. MY god i didn't even type.
Speaker 3: It In so i'm looking at a newspaper and reading
Speaker 3: about this the most depressing Jobs.
Speaker 1: In america and.
Speaker 3: Guess, what look, Come. Here dmitri look what? Came Up,
Speaker 3: look look.
Speaker 1: Look o. The roomba look at the room bay.
Speaker 3: You, no no it has the next era as cleaning,
Speaker 3: has arrived THE room. Ba compactor but but Here's what i'm.
Speaker 3: GETTING at i never typed that. IN anywhere i did
Speaker 3: not Do a.
Speaker 1: GOOGLE search i did NOT do.
Speaker 16: I didn't you don't have to because you're it was listening.
Speaker 16: To me your phone AND your tv said behind you
Speaker 16: are both listening to.
Speaker 3: You, people seriously you heard me just say what is,
Speaker 3: the best what do you think of? Your room blah
Speaker 3: blah blah blah, blah blah never typed a. Thing IN
Speaker 3: then i went to this study on the most depressing
Speaker 3: Jobs in AMERICA that i had flagged earlier today to.
Speaker 3: Talk about AND when i brought that, article up the
Speaker 3: ads being inserted now are all.
Speaker 1: About the roomba and.
Speaker 16: The eyebots told you and, You people you people have
Speaker 16: THOUGHT that i was crazy all.
Speaker 1: This time you did not even type it. In something
Speaker 1: my laptop. Is listening this Is what i've been.
Speaker 16: Telling you and it's not just, your laptop it's your
Speaker 16: phone and that television behind you that wanted to know
Speaker 16: your birth date the day you bought.
Speaker 1: That television do you? Remember, that yeah this is, scary. Stuff,
Speaker 1: folks anyway let me get to the most. Depressing jobs.
Speaker 3: Social services those involved in social work have the leading depression.
Speaker 9: In these.
Speaker 3: Measured careers do you know what number, two is which just,
Speaker 3: shocked me food prep and serving The FOOD and i
Speaker 3: don't know the. Food industry so community and social services
Speaker 3: the number one most it's a lifetime. Diagnosed depression by,
Speaker 3: the way they're saying it's permanent when you're in community and. Social,
Speaker 3: services second food prep.
Speaker 1: And serving and by, The way i'm getting more ads
Speaker 1: for these portable vacuums popping up on. THIS survey i
Speaker 1: am honest, TO god i.
Speaker 9: Am.
Speaker 1: SHOCKED now i know people listen, to us but this was,
Speaker 1: Like instant this Was while i'm on.
Speaker 3: The air within three minutes it populated. These ads we
Speaker 3: have more coming up On The. Troubleshooter. SHOW people i know,
Speaker 3: it's crazy. Isn't it stay tuned.
Speaker 1: For More i'm, Martino here welcome to. The show frank
Speaker 1: randareal estate man.
Speaker 3: Dot com will get you a free evaluation of your
Speaker 3: home and what it will.
Speaker 1: Sell for just.
Speaker 3: Ask him he goes through everything supplying demand, your home,
Speaker 3: the comparables, the neighborhood and even interest rates to get
Speaker 3: you a price on what your house will. Sell for
Speaker 3: he has thirty years. Of experience he sells more for
Speaker 3: more money than most real. Estate people three h three
Speaker 3: nine two zero sixteen. Twenty Two, frank rand The realestate Man.
Speaker 3: Dot com ronald wants to talk about a problem he.
Speaker 3: HAD selling i believe selling Or buying Ronald Your. CHEVY
Speaker 3: silverado i, bout, It okay and what's, The? Problem RONALD
Speaker 3: when i?
Speaker 7: Vowed it they sold it too many with a promise and,
Speaker 7: extra warranty and they did not feel. The contract the
Speaker 7: breaks is going through, the floor stipend, won't stop might try.
Speaker 10: To hit a.
Speaker 7: Kid Anything so i'm kind of paranoid. About IT so
Speaker 7: i don't.
Speaker 12: Drive.
Speaker 1: It okay when did you, Buy? IT ronald i Bought.
Speaker 7: It december the field of last year was beginning of the.
Speaker 7: Last year that with the Beginning, of okay just.
Speaker 10: Your Heal.
Speaker 1: So december Of twenty december of twenty. TWENTY four i
Speaker 1: need to ask a few. Questions here you said you
Speaker 1: had an extended warranty they're.
Speaker 7: Not, honoring, YES sir i bought the extra attend the
Speaker 7: wanted the, same day AND like, i said the guy
Speaker 7: said he was going to fix the tires. AND rims
Speaker 7: i brung. It back they didn't do nothing.
Speaker 9: To it.
Speaker 7: They scheduled me had another appointment to. Come back they
Speaker 7: did nothing to it and let me leave with no
Speaker 7: brakes again and. No HAIRLIGHTS and i paid them.
Speaker 1: Off, Cash, okay ronald did they tell you that those
Speaker 1: things would be covered under the? Extended.
Speaker 7: Warranty everything the DAY that i, bought it the man
Speaker 7: came into agreement to fix my, back rims to fix.
Speaker 1: The time did you? Get that did you get? That
Speaker 1: agreement did you get that agreement? In, writing, yes, Sir
Speaker 1: YES and i got.
Speaker 3: A wish no you have on, your okay but on
Speaker 3: your paperwork it says that they're going to fix your brakes.
Speaker 7: Or no my back tires. That's walked, there's, Shaking.
Speaker 1: Okay.
Speaker 7: I'm sorry AND when, i, purchased yes AND when i purchased,
Speaker 7: the VEHICLE which i did.
Speaker 3: So okay so they promised to fix, the shake the
Speaker 3: shake in your rear, excuse me in in the rear of.
Speaker 1: The, car.
Speaker 15: Truck, yes, sir, yes sir rear of.
Speaker 1: The truck and what do? They say what do they say? About?
Speaker 1: That now what do they say? About? That NOW.
Speaker 7: When i, first BROKE when i brung, it IN like,
Speaker 7: I said i voted, The fields they're scheduled me on
Speaker 7: the sieve and take to bring. It in then they looked,
Speaker 7: at it didn't say they couldn't do nothing. ABOUT it, i,
Speaker 7: SAID well i said, during purchase y'all was gonna. Fix
Speaker 7: it and now they said they can't do nothing. About it.
Speaker 1: But did they, say, why, no sir, no reason. No,
Speaker 1: nothing okay we need a, Method, dealer ronald.
Speaker 10: Who's the that's why it was a breach.
Speaker 7: Of contract, but but.
Speaker 1: But, But, ronald ronald we need to look. At, this
Speaker 1: okay we will look. At it we're gonna take a
Speaker 1: look at the contract and that promise that. You have
Speaker 1: what's the name of, The Dealer.
Speaker 7: Bleakers Chevy, And Done?
Speaker 1: North carolina, oh wait It's In. North carolin what's the name,
Speaker 1: Of It.
Speaker 7: Bleeker's Chevrolet, And Done? North, carolina.
Speaker 1: Okay In?
Speaker 3: North, carolina okay, hold, on, hey bo you want to
Speaker 3: take a stab at calling.
Speaker 20: These people I'll get bleekers to call and give them a.
Speaker 20: Little bleak why they're not Helping.
Speaker 12: R yeah, Out.
Speaker 19: Now?
Speaker 1: Bleakers chevrolet what city is?
Speaker 11: That?
Speaker 10: In done.
Speaker 1: Where are? You located Ronald And North, Carol.
Speaker 6: Done.
Speaker 3: North, cala okay, hold, on okay let's help. Him out
Speaker 3: hold On. To ronald the deputy bow is going to talk.
Speaker 3: To you three three seven on three eight two. Five,
Speaker 3: five bill what's going on?
Speaker 10: With?
Speaker 9: You?
Speaker 21: Bill, WELCOME well i bought a car from a Friend In, Fort,
Speaker 21: erie ontario and.
Speaker 15: It was a fairly.
Speaker 21: Complex deal to bring it Into the states and get
Speaker 21: it licensed. And EVERYTHING so i hired an outfit that
Speaker 21: works on that sort, of thing and it looked like
Speaker 21: it was going to cost about one k and there'd be. No, duties,
Speaker 21: well basically they screwed up when they brought it across.
Speaker 21: The order they had it misaddressed to a Business, in
Speaker 21: pennsylvania of, all things and as, a result there was
Speaker 21: a seventy five hundred dollars duty that was what or?
Speaker 1: By this, oh wait? How much how much is? The
Speaker 1: call what kind? Of car what kind of car?
Speaker 21: Is it it's a it's a tesla and the duty
Speaker 21: person the person's supposed to be zero.
Speaker 10: A, Lot right So, WHY.
Speaker 1: Okay a long, story short. Go ahead it was a.
Speaker 10: Screw up on.
Speaker 21: Their part now they're trying to get the seventy five
Speaker 21: hundred bucks out, of Me and i've had various conversations.
Speaker 21: WITH them i have some emails that suggests that it was,
Speaker 21: their problem but not as cleanly as. You LIKE and i, basically,
Speaker 21: Said look, I'm, HEY bill.
Speaker 1: I need to know the.
Speaker 3: Basic steps let me let me get. This straight you
Speaker 3: bought it from a Friend, In, ontario canada.
Speaker 6: And then it was.
Speaker 1: By mistake it was shipped to.
Speaker 21: A business it was the paperwork showed that going across,
Speaker 21: the border although they fixed the paperwork once it, got
Speaker 21: across but not before the seventy five hundred dollars fee.
Speaker 10: Was incurred.
Speaker 1: BUT what i need to know is what is the?
Speaker 1: Fee for what is that when you sell to? A
Speaker 1: business what is the?
Speaker 21: Fee, called yes it's it's a duty when it goes to. A, business.
Speaker 3: Okay hold on, a, Second bill we'll come right back.
Speaker 3: To you three oh three seven one three talk seven
Speaker 3: ONE three a two five five bill says he bought
Speaker 3: a car from a Buddy, in canada and the import
Speaker 3: company he hired to, help him they shipped it to a,
Speaker 3: business first which triggered an import duty of seventy five.
Speaker 1: Hundred, Bucks bill where is the car?
Speaker 21: Right now i'm sitting in it Here. In colorado and
Speaker 21: this happened about a year and a, half ago and,
Speaker 21: oh crap. Voicing me they kept invoicing me for the
Speaker 21: seventy five. HUNDRED bucks i paid the amount that they
Speaker 21: should have collected.
Speaker 1: On it.
Speaker 21: But now they've turned it over to a. Collection PLACE
Speaker 21: now i listened To Enough tom MARTINE that i know
Speaker 21: that there's, no judgment so they're just trying to harass
Speaker 21: me with a. COLLECTION place, i, think right.
Speaker 1: That's right they know they. Screwed UP but i need
Speaker 1: to ask a. Few questions was it ever shipped to? That,
Speaker 1: business no it never actually.
Speaker 21: Got there the mistake was fixed before that, actually happened
Speaker 21: but it had gone through customs and the charge.
Speaker 10: Was incurt.
Speaker 1: How did they make? This mistake did they ever? Explain, it.
Speaker 21: No it was it was just to screw up and
Speaker 21: in addressing. The thing now they made other errors and
Speaker 21: things along, the way but nothing of. This, Magnitude.
Speaker 3: Okay then once it went to that once they, corrected
Speaker 3: it it was shipped to you and you paid the
Speaker 3: thousand dollars that they had.
Speaker 1: Invoiced you originally.
Speaker 21: It was a little different from that because there was
Speaker 21: a checklist of items and some were there and Some
Speaker 21: were BUT basically i, told, them look when you, Correct
Speaker 21: this i'll pay THE whole i thought they, corrected IT
Speaker 21: so i went ahead and paid, that amount losing the
Speaker 21: tiny bit of LEVERAGE that, i had and then they
Speaker 21: continue to build me for the seventy five.
Speaker 10: Hundred bucks.
Speaker 1: And is there anyone you can talk to at? That
Speaker 1: company when.
Speaker 21: You, Call yeah i've discussed this with, people there and
Speaker 21: you know they'll look. Into it blah. Blah Blah there's
Speaker 21: they don't just admit right off hand that it was,
Speaker 21: a mistake although the guy that made the mistake has told.
Speaker 9: Me that in a.
Speaker 21: Phone CONVERSATION but i don't have it. Written down what's
Speaker 21: the name.
Speaker 1: Of that what's the name of the? Import Company?
Speaker 21: Livingstone INTERNATIONAL so i googled. Them recently they get one
Speaker 21: star because you have to give at least, one star
Speaker 21: and most of it's due to horrible. Business practices.
Speaker 3: HERE'S what. I, believe okay HERE'S what i would advise
Speaker 3: you if you were, my brother and that is do
Speaker 3: nothing in order for them to collect a dime.
Speaker 1: From you they're going to have to take you. To
Speaker 1: court and there's no way that you have a contract,
Speaker 1: with THEM right.
Speaker 21: I do and it doesn't say anything about seventy five.
Speaker 21: Hundred bucks if you'd read, the contract you'd think it'd
Speaker 21: be around. One, thousand.
Speaker 1: Okay. That contract they'd have to show a contract for
Speaker 1: seventy five, hundred dollars and the contract.
Speaker 3: That you signed or that they gave to you shows
Speaker 3: a fee of one. Thousand, dollars.
Speaker 21: Yes if you it's a. Punch list if you add up,
Speaker 21: the items it comes out to around, one THOUSAND and
Speaker 21: i never certainly never will.
Speaker 3: Okay, bucks, no, NO no i don't think they're ever
Speaker 3: going to collect it. From you you're just bothered because
Speaker 3: they are not because they are just they're, bugging you.
Speaker 1: BASICALLY right i would, ignore.
Speaker 3: Them though HERE'S what i, would say here's a surefire
Speaker 3: here's a surefireway to get rid of stuff.
Speaker 1: Like THAT and i do this all. THE time, I
Speaker 1: say i do not believe based on, MY contract i
Speaker 1: owe you. The money if YOU believe i do owe you,
Speaker 1: the money take me, to, court, please.
Speaker 10: Yeah okay and then they won't.
Speaker 1: Do it they don't have. The money they don't have
Speaker 1: they're they're not going to do, it well.
Speaker 21: And They're, In Buffalo. New york where would they have to.
Speaker 1: Assue me.
Speaker 3: The contract calls out that. The contract in, the contract
Speaker 3: it usually says this agreement construed under the laws of
Speaker 3: such and such or wording such as that almost all.
Speaker 3: Contracts now if the contracts do not specify, the laws
Speaker 3: then the law that takes effect.
Speaker 1: Is usually where it. Is executed if you signed it,
Speaker 1: at home it Would be. COLORADO law, i did so It's.
Speaker 1: Either colorado well most likely.
Speaker 3: They're not but Either it's colorado or it's a law
Speaker 3: specified in.
Speaker 1: The agreement did you read the agreement over and does it.
Speaker 1: SPECIFY jurisdiction i.
Speaker 21: Didn't see a tease and see section that would have that.
Speaker 21: On It but i'll look at, it again.
Speaker 1: Look at it and call. Me back, but.
Speaker 6: Basics okay, so.
Speaker 1: Meanwhile BASICALLY.
Speaker 21: Can i tell the collection agency that quit? Bugging me
Speaker 21: is is There a colorado law?
Speaker 1: On that.
Speaker 3: There are laws on this if they bother you outside
Speaker 3: of normal business hours and outside of normal places, of
Speaker 3: business but. You can't but they have the freedom to
Speaker 3: contact you otherwise you don't.
Speaker 1: Have it there is no law that forces them that.
Speaker 3: They're allowed Under The Fair Debt, collection act they're allowed
Speaker 3: to bug you where it is legal to, bug you
Speaker 3: but it's not always legal to.
Speaker 1: Bug, You okay so you just have to bone up on.
Speaker 3: That law just google that law or go into artificial
Speaker 3: intelligence and look For The Fair Debt collection they're allowed
Speaker 3: to bug you during normal business hours and that normal
Speaker 3: contact information they have, for you and because they have
Speaker 3: a pre existing business relationship, with you they're allowed to.
Speaker 3: Contact you you're also allowed to avoid, Them completely so
Speaker 3: you do whatever you can to, avoid them but you can't.
Speaker 1: Stop them from. Contacting, you okay three oh three seven
Speaker 1: one three talk seven one three eight two. Five, five
Speaker 1: hey you know what one.
Speaker 3: Clear chest garage doors for your garage doors everything to
Speaker 3: do with your garage door or.
Speaker 1: The opener there there twenty four to seven to help.
Speaker 3: You out One clearchoice doors dot com seven two.
Speaker 1: Zero three seven zero thirty nine. Eighty Seven.
Speaker 3: Hey tom, martine here, all right let's talk ABOUT the
Speaker 3: uh roof certifications when you refi. A house sometimes when
Speaker 3: you sell, A house uh lenders want to know about,
Speaker 3: roof certifications like is? It reasonably is it reasonable to
Speaker 3: expect the roof to last five years without.
Speaker 1: Major problems it's.
Speaker 3: Called the roof certification and it can cost you up
Speaker 3: to five. Hundred Bucks But excel roofing has a Special
Speaker 3: for martine listeners only until.
Speaker 1: Further notice and what is?
Speaker 9: That?
Speaker 8: Special, Henry yeah so for, anybody listening whether you're a real,
Speaker 8: estate agent you have a home, for sale you're going
Speaker 8: to sell, Your house we're willing to do a roof certification,
Speaker 8: for you for free as long as you Mentioned this.
Speaker 8: Martino special this isn't something that a lot of people normally,
Speaker 8: think about but when you come and sell, your house
Speaker 8: you need to get a roof certification to verify that
Speaker 8: that roof is going to be good for five years.
Speaker 8: Or so AND like, i said we will do it.
Speaker 8: For free it's three oh three seven six' one six.'
Speaker 8: four zero zero if, YOU didn't get that i would
Speaker 8: write that down three oh three seven six one.
Speaker 1: Six, four zero zero YEAH that's good because i mean
Speaker 1: that is a.
Speaker 3: Five hundred dollars value if you're going through a closing
Speaker 3: right now and they're asking, for a roof certification you're
Speaker 3: gonna get It with excel ex. Cel, Excelroofing, DOT com
Speaker 3: hey henry i have. A question to ask do they
Speaker 3: ever use drones and roofing? Industry to, do estimates.
Speaker 8: You know they look for, hail damage using drones but
Speaker 8: it can be just really, hit or miss right it's
Speaker 8: not gonna.
Speaker 1: Be you guys don't. Use them a lot it's.
Speaker 8: Basically, Walking the roof yeah so the rules around drones
Speaker 8: and roofing is that every commercial pilot needs to have
Speaker 8: a license and it's just not worth it.
Speaker 1: For all of us to get our own license. To
Speaker 1: operate a drone so we just do.
Speaker 8: The regular roof inspections, we set a ladder, we get
Speaker 8: up there, we look for damage, we do an evaluation.
Speaker 1: And do you do? Free? Inspections, for that, Yeah absolutely
Speaker 1: All right deputy d.
Speaker 22: We you have somewhat of a. Follow up, from somebody
Speaker 22: i'm sorry recall A couple hours ago dorothy called. Us,
Speaker 22: because she asphalt yeah IT'S a COMPANY Called c And J.
Speaker 22: Concrete and asphalt repairs she said, they did a terrible
Speaker 22: terrible job. Doing the concrete steps they came back and
Speaker 22: redid the job and. Additional work wasn't done what do, They.
Speaker 1: Have to say.
Speaker 16: IT'S it's pretty nasty i had a couple Of conversations
Speaker 16: with both dorothy, And, her her husband roger and it
Speaker 16: turns out it's a lot.
Speaker 1: Worse, than we thought okay we're. Gonna follow, this up
Speaker 1: then again did you? Contact, the company yet no.
Speaker 16: There's, no company, to contact no, address there's no.
Speaker 1: Company there's no nothing we'll find out. More About That.
Speaker 1: Tomorrow i'm tom Martino. Three Oh Three martino Follow Tom
Speaker 1: Martino at real tom martino and stay connected with all
Speaker 1: of that at six thirty k kayhow dot com and.
Speaker 22: On the iHeartRadio app this, is denver's TALK Station six
Speaker 22: thirty k house