Speaker 1: Ripped up.
Speaker 2: You don't have.
Speaker 1: Come running just as fast as we can. Show Shooter's
Speaker 1: gonna help him come.
Speaker 3: Ma is the Troubleshooter Show. No Tom Martinez, Welcome.
Speaker 4: Welcome to the show, the only show that's kind. We're
Speaker 4: here to solve problems, answer questions, take complaints. Our goal
Speaker 4: in life is to make your life just a little
Speaker 4: bit easier. Maybe you've been ripped off by a contractor,
Speaker 4: you have a bad landlord. Plus, we got to follow up.
Speaker 4: We're gonna try to get a guy on that sent
Speaker 4: thirty eight thousand dollars apparently in cash uh to some scoundrel.
Speaker 5: We're gonna see if we can help him up.
Speaker 4: He's on the verge of getting booted from his apartment
Speaker 4: I think tomorrow, so we're gonna catch up with him.
Speaker 4: We've got a lot going on on this show. I
Speaker 4: want to tell you who we have in student. We've
Speaker 4: got a packed house today, a packed house doctor Joel
Speaker 4: cherdak Man.
Speaker 5: He is with Denverhairclinic dot com. And we're going to
Speaker 5: dive into this.
Speaker 4: It's a little bit of a secret around here, but
Speaker 4: not a total secret.
Speaker 5: In fact, I don't think have we.
Speaker 4: Talked about it yet.
Speaker 6: Doc not that I know of.
Speaker 5: I don't think we have talked about it.
Speaker 4: So we've got something coming up that's surprising, and it's
Speaker 4: a good thing that we're going to discuss, probably in
Speaker 4: the first fifteen or twenty minutes, so I want to
Speaker 4: tease that a little bit. It's very interesting, it's very interesting.
Speaker 4: Then we also have Mark Schamansky. He's the owner of
Speaker 4: Total Genesis Total Exteriors Genesis. Of course, as in the beginning,
Speaker 4: Mark Shamansky also a friend of mine. They've done work
Speaker 4: at our house. Just great people. I can't I can't
Speaker 4: rave about them enough. If you need anything done on
Speaker 4: the outside of your house, these guys are great. But
Speaker 4: that's not the actual reason I wanted him in. Well,
Speaker 4: it isn't.
Speaker 5: It isn't.
Speaker 4: The insurance business and claims are getting to the point
Speaker 4: where it's insane. And how do I judge that? I
Speaker 4: judge it by five to ten email or phone calls
Speaker 4: each week, either through referral list at Helping Troubleshooter dot
Speaker 4: com with people having trouble getting their insurance company to
Speaker 4: pay for all the damage after a hailstorm or even
Speaker 4: we had one very recently that had smoke damage from
Speaker 4: a fire and they couldn't get anything done. So we're
Speaker 4: going to talk about that and somebody that I have
Speaker 4: probably talked about for five or ten years easily right
Speaker 4: here on the Troubleshooter Show, Matt Stanford with Paragon Services.
Speaker 4: So if you excuse me, you have any questions when
Speaker 4: it comes to insurance, when it comes to claims, when
Speaker 4: it comes to do I have damage? What should I do?
Speaker 7: First?
Speaker 5: Today is the show.
Speaker 4: I have got the experts lined up, and then any
Speaker 4: questions you have on hair loss, we're going to die
Speaker 4: into that with doctor Joel and we're also going to
Speaker 4: talk about that weight loss medication because one of his
Speaker 4: other clinics does that. I mean, it's pretty incredible stuff.
Speaker 4: We got going on three oh three seven one three
Speaker 4: eight two five five that's the telephone number. You got
Speaker 4: a bad contractor you want to expose a bad car deal,
Speaker 4: a bad car deal or a bad auto shop. How
Speaker 4: about a bad landlord, how about a bad dentist. You
Speaker 4: name it, we'll take it on. We're over three hundred
Speaker 4: million dollars so far, over three hundred million dollars cash
Speaker 4: merchandise exchanges refunds directly due to the show. I also
Speaker 4: want to say, Suzanne's sitting next to me. She's ready
Speaker 4: to go to war. We have Kelly there, we have Shannon.
Speaker 4: Later on, we'll have Dragon. We've got our great deputies.
Speaker 4: Who's standing by today, by the way, Suzanne, Deputy Bo.
Speaker 8: Deputy Bow and Deputy Docks, always a valuable Deputy Docks,
Speaker 8: always listening from home, which is a room for our
Speaker 8: guys today.
Speaker 4: Yeah, I know we had a packed house. They didn't
Speaker 4: even know that till the last minute. Anyhow, I'll let
Speaker 4: you know in a lot open three oh three seven
Speaker 4: one three A two five five. Don't forget three oh three.
Speaker 4: Martino works on and off the air. Help it troubleshooter
Speaker 4: dot com. Let's jump right to SHAWNA. Shanna, what's going
Speaker 4: on with you in the sewer?
Speaker 9: Good morning. I had some old tree roots that were blocking, uh,
Speaker 9: you know, the drains or whatever, and the plumber removed,
Speaker 9: you know, cleared it out yesterday. I have a gentleman
Speaker 9: right now cleaning up the dirt and water and sewage
Speaker 9: from my furnace room.
Speaker 4: Hey, Seana, a couple a couple quick questions. You called
Speaker 4: somebody out and they basically put a saw blade down there.
Speaker 4: If you will on an extension and cut through the roots,
Speaker 4: cleared the line out. Yeah.
Speaker 9: I don't know how the plumbers did it, but they
Speaker 9: they said it was roots, yes, and they were black,
Speaker 9: so he said that meant they were old. So my
Speaker 9: question to you is, although I have a gentleman in
Speaker 9: my furnace room cleaning up the sewage or whatever that is,
Speaker 9: now the smell continues to come upstairs through the air conditioning.
Speaker 10: Look and yeah.
Speaker 9: So I'm just wondering in addition to what he's doing
Speaker 9: with chem x or let.
Speaker 4: Me let me ask you a cut out questions the
Speaker 4: most important and I'm hoping answers yes, did you have
Speaker 4: super backup coverage?
Speaker 9: I'm checking with my insurance agent.
Speaker 4: He's getting back to Hey, Matt, to most companies, Matt
Speaker 4: Stanford with Paragon Services, to most insurance companies, I think
Speaker 4: most of them have like a ten percent sewage backup
Speaker 4: from the dwelling. But what do you find generally speaking,
Speaker 4: or isn't it addendum you have to put on every time?
Speaker 11: It's it's pretty complex, so most of them will cover
Speaker 11: if it backs up into the house.
Speaker 5: That's what she's talking about with the basement.
Speaker 7: That would be usually covered.
Speaker 11: All the mitigation and restoration of that would be covered,
Speaker 11: but the actual pipe itself wouldn't be covered, so but
Speaker 11: access to it would be.
Speaker 5: So wait, wait a second.
Speaker 4: So in her case, if she has a coverage fixing
Speaker 4: the actual line by rooting it out or however they
Speaker 4: did it, that might not be covered. But back up
Speaker 4: in what she's talking about now would be right, Hey,
Speaker 4: do you have your deck page?
Speaker 5: Do you have a can you log on? Who is
Speaker 5: your insurance company?
Speaker 9: So I spoke to the agent yesterday who is it?
Speaker 9: And somebody else arranged it a different family member. So
Speaker 9: there he is getting back to me.
Speaker 4: No, no, no, all, I'm all, oh, so you don't even
Speaker 4: know for example, if it's State Farm or Safego or Okay,
Speaker 4: when are you going to be able to have that
Speaker 4: deck page? Because here's the deal. If you have some
Speaker 4: coverage there, the real way to get rid of that
Speaker 4: is someone like Rock with American Restoration. I mean, this
Speaker 4: guy knows this is what he does for a living.
Speaker 4: He knows how to get in there and get that
Speaker 4: place clean one hundred percent. In fact, he'll do tests
Speaker 4: to make sure everything is gone and everything's perfect, and
Speaker 4: he'll work directly with your insurance company.
Speaker 9: Okay, but let's do this.
Speaker 4: That somewhat answers your question if you have the coverage.
Speaker 4: But let's get Rock on and pretend you don't have
Speaker 4: the coverage and ask him how he would get rid
Speaker 4: of this and clean it up. You want to do that, Okay, Sure,
Speaker 4: so let's do that, Kelly, Let's get Rock on if
Speaker 4: we can get them, Sean, I'm going to put you
Speaker 4: on hold. That's a big problem. I mean, Matt, how
Speaker 4: often do you guys deal with that? Sew which backup?
Speaker 11: I've always got three or four on my desk that
Speaker 11: I'm dealing with constantly.
Speaker 12: Yeah.
Speaker 6: Yeah.
Speaker 5: And are they tough to get?
Speaker 13: What?
Speaker 4: If she does have coverage, would it pay? For example,
Speaker 4: if there was a couch down there, because I mean,
Speaker 4: if that odor gets into that couch, you either got
Speaker 4: to clean it or replace stuff like that.
Speaker 11: A textile like a couch, you know, it can get
Speaker 11: embedded into it to where it can't be cleaned and
Speaker 11: it's category three hazardous material, hazardous waste.
Speaker 4: Have you dealt with Rock before?
Speaker 12: Yeah?
Speaker 4: Awesome talk. Yeah, I love how that guy works. Let
Speaker 4: me tell you this too, Actually, this was you. I
Speaker 4: was going to bring up a story about a public adjusture.
Speaker 4: I just remembered it was you smoke damage, Boulder fire.
Speaker 4: They offered the guy, what was it? A furniture store,
Speaker 4: an office.
Speaker 11: Building, goes a giant laboratory, a laboratory, huge laboratory, and
Speaker 11: it just got smoke damage.
Speaker 4: Not not no fine, no flame, just smoke. And they
Speaker 4: and then how much did the insurance company? Everybody out
Speaker 4: there list I'll tell you you think insurance companies, I
Speaker 4: don't care if it's State farms, Safego, I don't care
Speaker 4: who it is. These today's I don't even think there
Speaker 4: is a good one in my opinion. Thank god for
Speaker 4: good agents. I Compass insurance. They can shop all of them.
Speaker 4: But what did they offer that guy who owned the
Speaker 4: lab The first time?
Speaker 11: It was a board met, you know, giant board meeting,
Speaker 11: and they said, you know, they had me on speakerphone
Speaker 11: and said, the our insurance company, Liberty Mutual, offered sixty
Speaker 11: thousand to clean the building sixty thousand.
Speaker 4: What did they say? Did they think that was good?
Speaker 4: They could get it cleaned for that? What do you
Speaker 4: how do you think they reacted to that? They thought
Speaker 4: it was low. They called me to see how low.
Speaker 4: And that was basically them putting Molly made in there,
Speaker 4: you know, to mop up the place.
Speaker 5: And so let's skip forward.
Speaker 4: So instead of sixty thousand, how much did you get
Speaker 4: that insurance company to clean up the smoke damage? This
Speaker 4: is incredible six million, six million dollars. I'll tell you guys.
Speaker 4: That's what insurance companies don't want you to know, is
Speaker 4: that guys like Matt and Mark Schamansky know how to
Speaker 4: find the money that the insurance company owes you. We
Speaker 4: got to take a quick break. We're going to come back.
Speaker 4: We got a lot going on. One of the things
Speaker 4: we're going to talk about. I'm going to bring up
Speaker 4: a guy they called yesterday, Joseph. This guy I'm hoping
Speaker 4: we're going to be able to help him out. He's
Speaker 4: looking at getting evicted tomorrow. And when I tell you
Speaker 4: the story how he lost thirty eight thousand dollars, you're
Speaker 4: not gonna believe it.
Speaker 14: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 14: dot com.
Speaker 15: You don't pay a cent until you're content.
Speaker 14: Time for an insurance checkup, free no obligation comparison call
Speaker 14: Compass insurance paying too much your coverage at dozens of
Speaker 14: insurance companies.
Speaker 4: Find out now three oh three, seven to seven to one. Help.
Speaker 14: You'll think you're his only customer when you choose Frank
Speaker 14: durand the real estate man dot com to list your
Speaker 14: home with Remax Alliance three oh three nine two zero
Speaker 14: sixteen twenty two.
Speaker 4: All right, folks, three oh three seven one three eight
Speaker 4: two five five, We got one line open. Three oh three, Martino,
Speaker 4: We do have Rock up. Rock is with American Restoration.
Speaker 4: And what these guys do is clean up after a mess.
Speaker 4: They have all the certifications, they have the knowledge to
Speaker 4: know how. But whether it's fire damage, whether it's a flood,
Speaker 4: whether it's a sewer backup, which is exactly what we're
Speaker 4: gonna quiz them about right now. Hey, Rock, we had
Speaker 4: a caller show. She called in she had a sewer backup.
Speaker 4: Someone came out and fixed the sewer backup. They cleaned
Speaker 4: out the line, so that part's done, and they shoveled
Speaker 4: up all the poo poo, if you will. They got
Speaker 4: rid of what they could. But the house still stinks.
Speaker 4: It appears to be in the ventilation systems. So a
Speaker 4: two part question one, she's trying to figure out if
Speaker 4: her homeowners covers it. So we're going to know that
Speaker 4: later on when we get a copy of her deck
Speaker 4: page or the policy. But how do you generally clean
Speaker 4: something up like a sewer backup if you were to
Speaker 4: go out and do it properly to where they don't
Speaker 4: have to worry about, you know, the smell of feces forever,
Speaker 4: you have to do clearances.
Speaker 16: You have to go until it's clear, and then he
Speaker 16: gets the sec coliform.
Speaker 10: You do picle coliform tests until until you get a
Speaker 10: level that's been the regulatory limit.
Speaker 4: So so you basically you go in there, you clean it,
Speaker 4: you do you sanitize, but then you run all those
Speaker 4: tests again to make sure there's no matter left.
Speaker 16: People calling forums in particular, and then you continue.
Speaker 4: You continue to do the same thing over and over
Speaker 4: until you have zeros and.
Speaker 16: Over until you have zeros. And then what you would
Speaker 16: do is, if it's a long area, you would do
Speaker 16: multiple tests and if one area is lower than the other,
Speaker 16: and then you'd move in that direction. So usually you
Speaker 16: know you're cleaning up better in some areas than in
Speaker 16: other areas, just keep moving until you're you know, like
Speaker 16: so if you're moving left right north to south. I
Speaker 16: got you.
Speaker 10: You're doing a better job, probably.
Speaker 16: At the beginning area, then at the end area.
Speaker 10: And then you know, as you know, as and spaces
Speaker 10: get job, as spaces get more.
Speaker 4: You get in there and you clean the hell out
Speaker 4: of it. You retest to make sure you got everything.
Speaker 4: Let me ask you this, If someone doesn't get everything,
Speaker 4: what do they risk if that gets in the air
Speaker 4: vans or you know, God knows, we're into their carpet
Speaker 4: upstairs through the HVAC system. I mean, is that something
Speaker 4: that can make you violently ill or what asuly?
Speaker 10: The more the more susceptible you are allergies, we can
Speaker 10: condition respiratory type of situations. The more susceptible you are,
Speaker 10: and you can even if you're not, if you're super healthy,
Speaker 10: you can become sensitized. So after a while you can
Speaker 10: become sensitized.
Speaker 4: Do you generally see do you generally see people with
Speaker 4: sewer line backups? Say? Do you have some coverage? And
Speaker 4: if so, is it generally like what ten twenty thousand? What?
Speaker 5: Just from what you have dealt with?
Speaker 17: It depends.
Speaker 10: It depends on the type of laws. I get that
Speaker 10: sometimes you have to combine different types of lass to
Speaker 10: get it covered with your damage, you know.
Speaker 4: But you guys good at that. If this lady does
Speaker 4: have coverage, he can call you up and you can
Speaker 4: talk with the insurance company and make sure it's done right.
Speaker 5: That's the bottom line.
Speaker 10: Correct and then and the way to go is pell
Speaker 10: call it all right.
Speaker 4: Hold on that. I want to ask Sewn if she's
Speaker 4: got any other questions Shawna, do you have any other
Speaker 4: questions for rock directly?
Speaker 5: I mean it's it's pretty basic.
Speaker 4: You get in there, you clean it, clean it, clean it,
Speaker 4: then you run certain tests, you make sure all the
Speaker 4: matter's gone, and then if it's not, you start cleaning
Speaker 4: again until everything's gone. He did say, you can get
Speaker 4: pretty sick if it's not clean.
Speaker 9: Right. So it's being cleaned as we speak by a handyman.
Speaker 9: I'd like to get another company in to make sure
Speaker 9: it's not continuing to come up through the air vents.
Speaker 6: Yeah, air condition.
Speaker 4: I appreciate the handyman doing what he's doing, but that
Speaker 4: is not how you get rid of what we're talking about.
Speaker 5: So I'm going to give you this phone number. It's
Speaker 5: sure eight three three.
Speaker 4: Am as an am am rest r E s T
Speaker 4: eight three three am. Asked, asked for Rock Rocks, who
Speaker 4: he has on right now. Whether you have coverage or not,
Speaker 4: you need to make sure everything is cleaned up properly
Speaker 4: or else it's going to be a nightmare for you.
Speaker 9: And they'll take care of mold issues as well.
Speaker 4: These guys can take care of anything we have sent
Speaker 4: them out on asbestost jobs, mold jobs we've had. We've
Speaker 4: had times where landlords have had someone pass away in
Speaker 4: their in their property and he can handle the cleanup
Speaker 4: after death, you name it, they can do it. That's
Speaker 4: all they do. He lives and breathes. Well, crap, how's
Speaker 4: that perfect? All right?
Speaker 9: I will contact them right now.
Speaker 4: Excellent, Hey, Rock, I appreciate you coming on. That's Rock
Speaker 4: with American Restoration. You can always reach them at eight
Speaker 4: three to three am rest or you can go to
Speaker 4: the website eight three three am rest Now. I do
Speaker 4: want to talk about something with doctor Joel, Than Len
Speaker 4: and Joseph. I promised your next we can free upline one.
Speaker 4: We're gonna have one line open three zero three seven
Speaker 4: one three two five five you've been ripped off or
Speaker 4: taking advantage of and then after the break Len, I
Speaker 4: want you to hold in, Joseph. But we've got to
Speaker 4: get to this guy that sent thirty eight thousand dollars.
Speaker 4: We're going to get into that. He's getting evicted tomorrow.
Speaker 4: We're gonna see if he can help him. But doctor Joel,
Speaker 4: I'm gonna I'm gonna tell everybody out there what's going on.
Speaker 4: One of the reasons you're in is Tom had a
Speaker 4: Procedu're done. When was it two months three?
Speaker 6: It was about two and a half months ago.
Speaker 4: Two and a half months ago. Now I knew about it.
Speaker 4: Suzanne knew about it. But other than that, you know,
Speaker 4: I don't think many people knew about it. But you right,
Speaker 4: and the procedure is unbelievable. In fact, it was your
Speaker 4: clinic and it was your Denver Hairclinic dot com. That's
Speaker 4: probably a pretty good tease on it. Right, Yes, how
Speaker 4: is it working? And let's talk about the procedure real quick.
Speaker 4: What exactly do you guys do at Denverhairclinic dot com.
Speaker 8: So what we do that's different than almost any other
Speaker 8: clinic hair clinic in the country is we're using stem cells.
Speaker 8: We're using umbilical courts stem cells, and we're combining that
Speaker 8: with a product called microvascular tissue.
Speaker 6: Oh my goodness. The microvascular tissue.
Speaker 8: Is something that was used in the field of wound
Speaker 8: healing for diabetic patients. So it grows new blood vessels.
Speaker 8: And so, working with another clinic in California, we've learned
Speaker 8: that using the stem cell combination with this microvascular tissue
Speaker 8: and combining it with platelet rich plasma from your own blood,
Speaker 8: that combination regrows hair and does so in a very
Speaker 8: fabulous fashion.
Speaker 4: So when you do this, if you think of stem cells,
Speaker 4: you usually have an injection, a guided, very perfect injection
Speaker 4: into the area, say a knee or a shoulder or something. Right,
Speaker 4: So when you're doing someone's entire head, I mean, let's
Speaker 4: face it, Tom doesn't have a bald spot. He has
Speaker 4: very little hair. He's just you know, it's been thinning
Speaker 4: for years and now it's not there. I mean, that's
Speaker 4: how I put it, right. So you have to do
Speaker 4: what the entire head, I mean, what's that procedure look
Speaker 4: like for someone like Tim that the whole head needs it.
Speaker 8: Well, it takes a little bit more than an hour
Speaker 8: the first visit. There are three visits involved.
Speaker 5: So visit one, what happens well besides the consultation.
Speaker 8: Well, after the consultation, if you decide that this is
Speaker 8: good something that you want to do, uh, you'll come in.
Speaker 8: It takes a little bit more than an hour. We
Speaker 8: numb the scalp up first, uh, and then once the
Speaker 8: scalp is numb, we inject with different types of injection equipment,
Speaker 8: so a multi port injection over the place the entire scalp.
Speaker 5: Oh man, is it hurt?
Speaker 8: Not really because we because we numb the scalp up
Speaker 8: pretty well. Okay, we did it, and we also offer
Speaker 8: patients nitrous oxide if they want to be really comfortable.
Speaker 4: But we doesn't hurt.
Speaker 6: It doesn't really hurt. So that's it.
Speaker 8: With that first visit, will inject the the stem cells
Speaker 8: and the microvascular tissue. Then you come back a month later,
Speaker 8: and that's when we use the product of your own blood.
Speaker 8: So we use platelet rich plasma.
Speaker 4: From p r P p r P, but not stem
Speaker 4: cells it point they're already done.
Speaker 12: Well.
Speaker 8: We also use right and we use the microvascire tissue
Speaker 8: and your own PRP. Got it to kind of act
Speaker 8: as fertilizer, if you will.
Speaker 4: To see exactly how I was picturing it's like you
Speaker 4: throw down the seed. Now you're fertilizing it.
Speaker 8: And then the third visit, so these are all a
Speaker 8: month apart. The first visit, second visits a month later.
Speaker 8: The third visit where we do just the PRP is
Speaker 8: a month after that. Patients like Tom are starting to
Speaker 8: see results around the two to two and a half
Speaker 8: month mark.
Speaker 4: Now people that are a year in and I realize
Speaker 4: everybody's a little different. But if you had to guess,
Speaker 4: where is Tom going to be? If I looked at
Speaker 4: his head, I haven't seen him up close for a while. Honestly,
Speaker 4: Well maybe I did last week. I just didn't even
Speaker 4: look though, I didn't even think about it. But I mean,
Speaker 4: am I going to see a difference? If I go
Speaker 4: over there? What do you see? Like little buds?
Speaker 8: You'll see some like sprout almost what I refer to
Speaker 8: as like.
Speaker 6: Peach fuzz, Yeah, starting to form, starting to form, right,
Speaker 6: and then that's continues.
Speaker 4: Can he expect like a full head of hair.
Speaker 8: He can expect that it's going to be sign nificantly
Speaker 8: less than everybody's different, but it will fill in the
Speaker 8: thinness no kids, so he'll get he'll get, you know,
Speaker 8: relatively thick full head of hair.
Speaker 18: That's it.
Speaker 5: Though, It's like you don't have to go in for
Speaker 5: a tune up once a year.
Speaker 6: You do come back after the first year.
Speaker 8: Okay, significantly lower costs and we can discuss the cost,
Speaker 8: but of course significantly less just for a maintenance. And
Speaker 8: what that maintenance is is going to be the microvascular
Speaker 8: tissue and your own platelet.
Speaker 5: Rec How often do you have to do that maintenance?
Speaker 8: So we recommend people come in after the first year
Speaker 8: and we'll be able to, you know, see where you are.
Speaker 5: And then you'll know if they need to come back.
Speaker 8: Right, Some people are on a once a year maintenance,
Speaker 8: some people are on every eighteen months. Some people aren't
Speaker 8: coming back for you know, two to three years. It
Speaker 8: really just depends on how well, because the factors that
Speaker 8: caused you to lose the hair in the first place
Speaker 8: aren't going away, you need to have you know, like
Speaker 8: you refer to that tune up.
Speaker 4: I'm gonna we got a break, I'm gonna have some
Speaker 4: follow up questions in a little bit. The first thing
Speaker 4: I thought about is like if you had gray hair
Speaker 4: or if your hair was graying and you go through
Speaker 4: this and you were almost bald, you have this procedure done.
Speaker 4: I don't want to hear the answer now, But do
Speaker 4: you grow gray hair at that point? Or is because
Speaker 4: it's brand new hair, new seeds. If you will, you're
Speaker 4: gonna grow the natural color you had. But I'm gonna
Speaker 4: put that to you in a little bit. Everybody, hang tight, Joseph,
Speaker 4: I'm going to talk to you. We're going to try
Speaker 4: to help you out on that thirty a K. I
Speaker 4: don't think we can help you get that back, but
Speaker 4: I know you're getting ready to get evicted. Then Lens
Speaker 4: got a concrete issue. And then we have one line
Speaker 4: open three zero three Martino, you've been ripped off taking
Speaker 4: advantage of any insurance company. Maybe you're in the middle
Speaker 4: of a claim right now and need some help. I
Speaker 4: got the right guys here for you.
Speaker 14: No go with a sure thing Denver's Best roofer Excel
Speaker 14: Roofing dot com. You don't pay a cent until you're content.
Speaker 14: Time for an insurance check up free, no obligation. In comparison,
Speaker 14: call Compass insurance paying too much your coverage at dozens
Speaker 14: of insurance companies out now three all three seven seven
Speaker 14: to one. Help You'll think you're his only customer when
Speaker 14: you choose Frank durand the real estate man dot Com
Speaker 14: to list your home with Remax Alliance three all three
Speaker 14: nine two zero sixteen twenty two.
Speaker 4: All Right, folks, th reel three seven one three eight
Speaker 4: two five five. We're going to dive into something here
Speaker 4: that is crazy. Joseph, he called yesterday towards the end
Speaker 4: of the show. That's kind of why we've got him
Speaker 4: back up. The story goes like this, and honestly, I
Speaker 4: have a hard time believing it, but I simply don't know.
Speaker 4: He got bamboozled, according to him, by someone that was
Speaker 4: what exactly were they doing, Joseph. They were charging your
Speaker 4: credit card or using your credit card, apparently for some
Speaker 4: kind of child porn. Is that correct? That's what they said, Yes, yes,
Speaker 4: And then they said because it was your because it
Speaker 4: was your credit card, someone called you up, said they
Speaker 4: were with the FBI or some form of authorities, and no, okay,
Speaker 4: go ahead.
Speaker 13: No, it's just some random people.
Speaker 2: Who didn't call me.
Speaker 13: Is not a credit card my tank account?
Speaker 4: Yes, And Joseph, how do we go from how do
Speaker 4: we go to the point where you went to your
Speaker 4: bank and Withdrew thirty eight thousand dollars in cash. What
Speaker 4: do you mean how do we get to that point? Basically? Yeah,
Speaker 4: that's what I'm saying. Someone called you and they told
Speaker 4: you to go get it for what reason?
Speaker 13: They said, because of their child porn and the investigation
Speaker 13: was ongoing.
Speaker 4: Okay, So they had an investigation, and what was the
Speaker 4: thirty eight thousand for?
Speaker 2: They said, I was my account and.
Speaker 13: Send them the money because they needed the money for
Speaker 13: told it for the investigation.
Speaker 4: And so they wanted you to pay for the investigation
Speaker 4: into you.
Speaker 13: They didn't want to be paid for the investigation, it said,
Speaker 13: They hold my money until the investigation was over, and
Speaker 13: they sent me the money back.
Speaker 5: So they were going to hold your money.
Speaker 4: Then if you were not guilty of child pornography, they
Speaker 4: were going to give you the money back, right, Okay.
Speaker 4: So then you went to your bank or if I
Speaker 4: recall your Belco credit union? Yes, and you withdrew thirty
Speaker 4: eight thousand dollars. Yes, Now how much you're you're looking
Speaker 4: at an eviction tomorrow?
Speaker 6: Right?
Speaker 13: Yes?
Speaker 4: How far back do you how much do you need
Speaker 4: to cure? Fifty four hundred, fifty four hundred on.
Speaker 13: Three months behind?
Speaker 5: Fifty four hundred.
Speaker 4: Yes, do you have a job on.
Speaker 13: I'm getting one.
Speaker 4: So you don't have a job. How do you even if?
Speaker 4: You're really making me nervous? Now? So, I've got two
Speaker 4: things going through my mind right now. Number one, if
Speaker 4: we did bail you out, I think you'd be in
Speaker 4: the same damn spot in thirty.
Speaker 13: Days, we'll have a job. And what kind of job?
Speaker 4: Why don't you have a job right now?
Speaker 13: I'm retired?
Speaker 5: How old are you take the time you're retired?
Speaker 6: Okay, yes, I could my job.
Speaker 13: You're retired and I got the money from para.
Speaker 4: Yeah, and then you got screwed because you sent thirty
Speaker 4: eight thousand in cash? Yes, okay? Did you go to
Speaker 4: your bank and get is something that proves you withdrew
Speaker 4: thirty eight thousand?
Speaker 13: Yes, I have it with me. I can email that.
Speaker 4: Yep. I want that. I want that before I want
Speaker 4: anything else. So hold on, hold on, so Kelly, we're
Speaker 4: going to get that. I want to see what's going
Speaker 4: on with that. Let's keep him on hold. We'll bring
Speaker 4: him back up after that meantime?
Speaker 13: Is it?
Speaker 5: Vannette Vanott? How do I pronounce your name.
Speaker 4: Is pronounced theano but not How can we help you?
Speaker 19: Well, I have a roof and problem with Anderson Construction.
Speaker 19: For the past year, they've been stringing me along. I've
Speaker 19: been trying to get my roof fixed, and whoever their
Speaker 19: project consulted with, I don't know whatever happened to the paperwork,
Speaker 19: but I keep calling, calling, They're not returning. They're not
Speaker 19: very reliable. I always get an answering service and then
Speaker 19: I get a text message saying that someone will be
Speaker 19: in touch with me, and no one ever does.
Speaker 4: Hey, but let me ask you some real basic questions.
Speaker 4: Was it from a hailstorm or what was the original damage?
Speaker 4: Why were they out there?
Speaker 19: On six twenty three we had the big baseball hailstorm
Speaker 19: out here in Colorado, Wow, and I got severe damage
Speaker 19: to my roof, my gutters, my windows, everything, And they
Speaker 19: were in the area trying to get you know, customers.
Speaker 4: Yeah, and they.
Speaker 19: Approached me, and I decided to give them a chance
Speaker 19: because I wanted a contract that it can do so
Speaker 19: how much?
Speaker 5: How much has been done so far?
Speaker 4: Zero zero?
Speaker 5: So I'm sorry your roof is still.
Speaker 4: Exactly like it was yesterday. Are you there now?
Speaker 19: Yeah, I'm staring at the hole right now.
Speaker 5: Send us a picture of that.
Speaker 4: We need to. We need to help you out. This
Speaker 4: is crazy. Oh my goodness, I've got so many things
Speaker 4: going through my head right now. When did you sign
Speaker 4: that initial agreement with Anderson?
Speaker 19: The initial agreement was signed a year ago.
Speaker 4: This that's crazy. You know what you can get out
Speaker 4: of that contract. I don't care what anybody says. It's
Speaker 4: been a year. I have no idea why they wouldn't
Speaker 4: want to do this.
Speaker 20: Mark Shamanca, have you paid them any money though?
Speaker 15: No.
Speaker 19: They tried to get money out of me last week
Speaker 19: and something said don't send the money, so I didn't.
Speaker 20: That's great.
Speaker 4: How much did you get from your insurance company so far?
Speaker 19: Well as you know, my claim is the money still
Speaker 19: sitting with them. They only send you about I think
Speaker 19: six grand just to get the work started, and then
Speaker 19: the company will then file to get send us.
Speaker 4: I want some pictures quick. I'm going to put you
Speaker 4: on hold. I got to take a break. Get me
Speaker 4: some pictures. I'm also going to put them up on
Speaker 4: the YouTube channel. We're gonna get Matt from Paragon and
Speaker 4: Mark to dig in with this after the break. This
Speaker 4: is crazy. We need to go out check out the
Speaker 4: damage going on here and get this Anderson Company A year.
Speaker 14: A year, Yes, a year, go with a sure thing
Speaker 14: Denver's Best rufer Excel Roofing dot com. You don't pay
Speaker 14: a cent until you're content. Time for an insurance checkup free,
Speaker 14: no obligation. In comparison, call company insurance paying too much
Speaker 14: your coverage at dozens of insurance companies find out now
Speaker 14: three oh three, seven to seven to one.
Speaker 4: Help.
Speaker 14: You'll think you're his only customer when you choose Frank
Speaker 14: Durand the real estate Man dot com to list your
Speaker 14: home with Remax Alliance three all three nine two zero
Speaker 14: sixteen twenty two.
Speaker 4: All right, three three.
Speaker 5: Seven one three eight two five five. I'll let you
Speaker 5: know when the line's open.
Speaker 4: Listen. We've got a lot cooking right now. Hey, Kelly,
Speaker 4: catch me up on a few things. One is that
Speaker 4: guy sending his bank statements?
Speaker 21: Please check your email.
Speaker 4: Oh excellent, We're gonna check at the bank statement. See
Speaker 4: where he withdrew thirty eight thousand dollars. Then I got
Speaker 4: to get back to uh the not Kelly. You changed
Speaker 4: the spelling on me, and it just screwed me up.
Speaker 4: We were talking over break. I wanted to remember exactly
Speaker 4: how to pronounce your name, so I phonetically spelled it,
Speaker 4: and then someone switched it back, and then of course
Speaker 4: that screwed me up. But for not listen, you've got
Speaker 4: a serious circumstance going on there. You had the hailstorm
Speaker 4: of a year ago, you hired the roof or please
Speaker 4: tell me the actual name of the roofing company besides Anderson,
Speaker 4: what exactly is it?
Speaker 19: The actual name of the company is actually called Anderson
Speaker 19: Construction Inc.
Speaker 4: It's like there, I think they're trying to piggyback on
Speaker 4: what I would refer to as a decent name in
Speaker 4: the business.
Speaker 5: What do you guys think?
Speaker 22: Kmark?
Speaker 21: Also check your email. There are pictures that she just sent.
Speaker 4: Oh my goodness, we're going to get those up to
Speaker 4: Would you guys give me a favor one of you
Speaker 4: look up this Anderson Construction Inc. So was there any
Speaker 4: reason that they would say you wouldn't let them on
Speaker 4: the property. Or why are they telling you they haven't
Speaker 4: started the roof in a year?
Speaker 5: What is that? When were they supposed to start the roof?
Speaker 19: Well, they were supposed to start it right after the
Speaker 19: senior project Consulting supposedly got my signature on the contract.
Speaker 19: When I reached out to Jeff, the guy I spoke
Speaker 19: to at Anderson. He didn't even have any knowledge of
Speaker 19: what was going on with my house. He had to
Speaker 19: dig through all these PaperWorks to even get anything on me.
Speaker 4: Yeah, this is crazy, Mark, you do roofs over a
Speaker 4: Genesis Exteriors. Let's talk contractual real quick. If it's been
Speaker 4: a year and they haven't done anything, nothing but hit
Speaker 4: her up for money a couple of weeks ago, and
Speaker 4: she was smart enough not to send it. I don't
Speaker 4: see that contract valid at this point.
Speaker 20: Probably not, And most likely they don't have all the
Speaker 20: right things you need to have in the in the
Speaker 20: roofing contract. Roofing contracts a price, a price, start date
Speaker 20: and three day right, Yeah, three day right. You have
Speaker 20: to have your insurance company listed. There's several I can you?
Speaker 5: Could you send us over a copy of that agreement?
Speaker 20: That would be great.
Speaker 4: I would like to send that. Yeah, send it to
Speaker 4: the same thing. I would like to send that to
Speaker 4: our attorney, Brad O'Brien. Have them iball it, But I think, well,
Speaker 4: let's put it this way. I wouldn't even mess with
Speaker 4: them now. I don't even care if they wanted to
Speaker 4: try to come after me a year later. I wouldn't
Speaker 4: deal with them. I wouldn't give them a penny. I
Speaker 4: wouldn't let them on my property. I just wouldn't. But
Speaker 4: I want to get you a legal opinion on that
Speaker 4: as well, So I want you to get that to us.
Speaker 4: I'm going to look at these pictures over the break.
Speaker 4: I'll have Suzanne put them up for our YouTube people.
Speaker 4: But here's the bottom line. This company has not fixed
Speaker 4: your roof for a year. Then she had another thing
Speaker 4: happened a couple of days ago. Where yesterday, did you
Speaker 4: actually get hit by a tornado or was it just
Speaker 4: high winds? I haven't looked at the picture yet, but
Speaker 4: what happened to your house yesterday?
Speaker 19: Well, yesterday we got hit. The whole area got hit
Speaker 19: with the tornado was north of my property, so we
Speaker 19: got all the winds, the rain, flooding all through the neighborhood,
Speaker 19: the property, and with that amount of rain, I knew
Speaker 19: something was going to happen with my roof.
Speaker 9: What time are you in I'm in Brush, Colorado, Morgan County.
Speaker 5: Okay, that's not that far, is it? I mean it's far?
Speaker 5: Do you work out time?
Speaker 20: Yeah, we'll go there yea, yeah, no, I gots genesis
Speaker 20: will go.
Speaker 4: Out there and I am. I'm still looking for this picture, Kelly.
Speaker 4: I simply just don't have it. Let's do this, Let's
Speaker 4: get her on hold. We're gonna end up with one
Speaker 4: line open three O three seven one three eight two
Speaker 4: five five. We've got a lot cooking here. We're going
Speaker 4: to try to help her. I'm gonna look at Joseph's
Speaker 4: bank statement, see if he actually withdrew thirty eight thousand dollars,
Speaker 4: and we're gonna see if we can't figure out something
Speaker 4: for him. But everybody hold tight. I know this break's
Speaker 4: going to be coming up pretty quick. Lenn, real quick,
Speaker 4: What is the deal with the concrete? So I can
Speaker 4: get ready for it? Lenny? Yeah, what's in a nutshell?
Speaker 4: Real quick? What's the problem? Real quick?
Speaker 12: Okay, I had a guy resurface my driveway.
Speaker 4: I got it. That's all I needed. It probably looks
Speaker 4: like crap. We'll talk about that and a lot more
Speaker 4: after this.
Speaker 14: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 14: dot com.
Speaker 15: You don't pay a cent until you're content.
Speaker 14: Time for an insurance check up, free, no obligation, comparison
Speaker 14: call Compass Insurance, pay too much your coverage at dozens
Speaker 14: of insurance companies. Find out now three oh three seven
Speaker 14: seven to one help. You'll think you're his only customer
Speaker 14: when you choose Frank durand the real estate man dot
Speaker 14: com to list your home with Remax Alliance three oh
Speaker 14: three nine two zero sixteen twenty two.
Speaker 1: Ripped you need so you don't have.
Speaker 4: You run anxious. As fast as.
Speaker 1: We can, Shooter's gonna help.
Speaker 17: Come man, this is.
Speaker 3: The Troubleshooter Show. No Tom Martinez, Welcome.
Speaker 4: Welcome to the show, the only show of his camera
Speaker 4: here to South. I'm to answer questions, take complaints. Really,
Speaker 4: we're here to help you out. We have a lot
Speaker 4: of stuff cooking today. Over the break, I got a
Speaker 4: lot of information I got to look at. We're talking
Speaker 4: to a poor woman who's roof basically caved in yesterday.
Speaker 4: She hired a roofing company, Anderson Construction, and she hired
Speaker 4: him a year ago and they haven't done anything. And
Speaker 4: then the big problem is she had more damage last night.
Speaker 4: We're going to talk to Matt with Paragun about that,
Speaker 4: and also Mark Schamansky with Genesis Total exteriors. We're going
Speaker 4: to try to get her figured out and helped out,
Speaker 4: but it's really a crazy deal. We also have doctor
Speaker 4: Joel Chardack In. Tom actually had his hair done a
Speaker 4: procedure for his hair to grow back with doctor Joel
Speaker 4: about two and a half months ago. If you look
Speaker 4: at Tom's head now, you can actually see results. It's
Speaker 4: starting to really fill in. I did have that quick
Speaker 4: question for doctor Joel. Then we're going to hop onto
Speaker 4: the phone. But doctor Joel, when someone gets hair restorate
Speaker 4: the way you guys do it, what color is it
Speaker 4: going to come back? The natural, the gray, the last
Speaker 4: color you saw on your head. How does that part work?
Speaker 8: Well, it's going to look it's going to look real
Speaker 8: similar to the hair that you still have left. So
Speaker 8: if you have thinning hair, it's just going to fill in.
Speaker 8: If you've got salt and pepper, it's going to blend in.
Speaker 6: It's pep. It's not going to grow back. You know.
Speaker 8: If you have gray hair, it's not going to grow
Speaker 8: a dark patch of hair on it. If you have
Speaker 8: dark hair, it's not going to grow great. It's going
Speaker 8: to fill in exactly what you have exactly, So that
Speaker 8: distribution of grayness is always going to be pretty symmetrical.
Speaker 5: But with Tom, it was basically his whole head, right.
Speaker 8: So with Tom, he had extremely thinning hair with a
Speaker 8: bit of a bald spot. Got it, And I'm sure
Speaker 8: he wouldn't mind me discussing this. Yeah, but you know,
Speaker 8: we were able to do the procedure with just the
Speaker 8: stem cell therapy that I was talking about and get
Speaker 8: hair growth that's occurring to fill in the thinness. Now,
Speaker 8: if you've got a big bald spot, you need a
Speaker 8: hair transplant, which we do. Now, what's where does the
Speaker 8: hair come from. The hair comes from the back of
Speaker 8: the head. It's called a follicular unit extraction.
Speaker 4: They used to cut a big strip out so your
Speaker 4: base sickly, pulling it out where it's still growing. Right,
Speaker 4: So if you got that what do they call that
Speaker 4: the half moon or whatever, you got that spot that's bald.
Speaker 4: So you go to a spot that's always growing, You
Speaker 4: take the hair from there because it's going to grow back,
Speaker 4: and then you transplant that Here, how long is that
Speaker 4: hair when you transplant, whatever length you take it.
Speaker 8: We take the follicle out, so we have a machine
Speaker 8: that extracts one by one each individual hair follicle and
Speaker 8: they're different sizes, and we sort them into different sizes
Speaker 8: and then we reseed them in the areas where there's.
Speaker 6: A bald spot.
Speaker 8: So basically we make little holes in the scalp and
Speaker 8: fill them in as rows. And that's really you know,
Speaker 8: if you're missing most of your hair, you need to
Speaker 8: have that done. But what we do that other clinics
Speaker 8: don't do that do the hair restoration. We add our
Speaker 8: stem cell procedure to that hair restoration. When we do
Speaker 8: the procedure. Now that's for somebody with a lot of
Speaker 8: balding area where just the stem cell alone's not going
Speaker 8: to regrow the hair. The stem cell procedure by itself
Speaker 8: is great if you have thinning hair, small bald patches
Speaker 8: of slight receding hairline, got it. But if you've got
Speaker 8: something significant, you're gonna need a stem so you're gonna
Speaker 8: need a hair transplant.
Speaker 4: And that works though that's gonna it's going to continue
Speaker 4: to grow.
Speaker 6: Right right exactly.
Speaker 8: It's just like any other kind that does it that's
Speaker 8: out there, that's been doing it for years. The only
Speaker 8: difference that we do is we add our stem cell
Speaker 8: therapy to the transplant procedure, make it quicker, to make
Speaker 8: it quicker, to make it last longer, to make it
Speaker 8: just fuller.
Speaker 6: It just really benefits it.
Speaker 4: So, folks, you got to check it out. Go to
Speaker 4: Denver Hairclinic dot com. Do you have a video or
Speaker 4: anything like that on there?
Speaker 8: If you go to Denver Hairclinic dot com, you'll be
Speaker 8: able to see pictures of all kinds of stuff everything.
Speaker 4: They let's get Tom on there.
Speaker 5: We really should. We should be able to get him.
Speaker 4: I know we can't do it today, but over over time,
Speaker 4: from like day one, I bet you took pictures and
Speaker 4: then you know, two month, four months, I think we
Speaker 4: should follow that.
Speaker 6: I think that'd be kind of cool.
Speaker 4: All right, three oh three seven one three A two
Speaker 4: five five. I'll let you know when the line's open.
Speaker 4: I do want to take John Fuller real quick. All
Speaker 4: the kids are back in school, John, and I got
Speaker 4: two emails. I told you I wanted to talk to
Speaker 4: you about. But basically, what if anything with kids back
Speaker 4: in school do people need to know about insurance? Is
Speaker 4: there anything John Fuller? Whoops, I hit the wrong button.
Speaker 4: Hold on, I'm sorry, John, go ahead, man.
Speaker 18: Yeah, no worries. I can tell you what we get
Speaker 18: a lot of this time of the year is we
Speaker 18: get a lot of accidents with young, inexperienced drivers out
Speaker 18: there that are all of a sudden driving to school
Speaker 18: by themselves. They have their friends in the car, they
Speaker 18: do dumb stuff, and they cause accidents. And so now
Speaker 18: is the perfect time to double check your own insurance
Speaker 18: and make sure that you have the right coverage. You
Speaker 18: need to make sure that that medpay is in effect,
Speaker 18: and you need to make darn sure that that uninsured
Speaker 18: motorist coverage is there, because many times parents have not
Speaker 18: gotten around to telling their insurance company about their newly
Speaker 18: licensed driver, and what happens is all of a sudden,
Speaker 18: that is an uncovered accident and there's no coverage to
Speaker 18: repair the damage that they've done.
Speaker 4: Hey, John, So if someone has John, if someone has
Speaker 4: a kid that turns sixteen, say over the summer, and
Speaker 4: they are going to be driving to school like you
Speaker 4: just painted that picture there, but the parents never told
Speaker 4: the insurance company that the kids turned sixteen and got
Speaker 4: a license, is there still coverage for that kid?
Speaker 18: There are circumstances, and I've had cases where the answer
Speaker 18: is definitely no. Ther company can exclude coverage for drivers
Speaker 18: that it's not aware of that live in your household.
Speaker 18: So it is incredibly important. Don't think you can save
Speaker 18: money by just not telling the insurance company about that
Speaker 18: new sixteen year old driver. You may find that you're
Speaker 18: having to pay for those damages out of your own
Speaker 18: pocket because your insurance company has no coverage for you. Oh,
Speaker 18: very important, But hey, it's also very important to protect yourself.
Speaker 5: Oh yeah, and who I am?
Speaker 18: You know now's the time to do that?
Speaker 5: Hey, John, I appreciate your insult all the time.
Speaker 18: Yep, thanks Mark, you got it man.
Speaker 4: John Fuller Fuller Law. In fact, he's uh, Susanna and
Speaker 4: I's accident attorney. I'm not kidding you. We've used him
Speaker 4: numerous times, policy limits every time. The guy is unbelievable.
Speaker 4: You deal directly with John. Any question you have or
Speaker 4: if you've been in an accident, maybe you've been putting
Speaker 4: off calling an attorney, but that next still hurts. You
Speaker 4: still have a problem, Please take it from me. Reach
Speaker 4: out to John Fuller. You can find him at my
Speaker 4: accident attorney dot com. Please check him out. Honest to god,
Speaker 4: John Fuller all right three oh three seven one three
Speaker 4: A two five five. I want to get back to
Speaker 4: Venat and this is crazy. So here's what happened. Year ago.
Speaker 4: She has a helstorm, she hires a roofer, the king
Speaker 4: knocking on her door Anderson Construction. It's been a year.
Speaker 4: They haven't started. Fortunately, she hasn't given any money out
Speaker 4: of pocket. Yesterday and the guy's in studio with me.
Speaker 4: They looked at the pictures already. But bottom line is
Speaker 4: she had another event yesterday. We put the pictures up
Speaker 4: on our YouTube channel. If you go to YouTube, type
Speaker 4: in Troubleshooter Network you can see what we're talking about.
Speaker 4: You can also hear a stir in the breaks. But
Speaker 4: bottom line, guys, here's what I'm worried about. And I've
Speaker 4: got you up an not. You had a problem a
Speaker 4: year ago with your roof. You had an insurance claim.
Speaker 4: I'm afraid your insurance company, when they see what's going
Speaker 4: on right now, they might not cover that new damage
Speaker 4: because you should have had your roof repaired by now.
Speaker 4: I understand you hired what appears to be a very
Speaker 4: bad company. It's taken a year to do nothing, but
Speaker 4: that doesn't that doesn't negate the fact that you should
Speaker 4: have had the roof done so Matt with Paragon Services.
Speaker 5: This is what Matt does for a living.
Speaker 4: Matt. If you went over there and got involved into
Speaker 4: this claim, what advice would you give right now and
Speaker 4: you wanted to know what insurance company?
Speaker 5: What is your insurance company?
Speaker 4: Safeg Okay, go ahead.
Speaker 11: Well, the first thing to do is go up on
Speaker 11: the roof and see the origin of the new damage.
Speaker 7: If it was a.
Speaker 11: Tree limb that penetrated the roof and water was just
Speaker 11: gushing in there, we've got a new claim.
Speaker 4: Yeah.
Speaker 7: If it is just simply the roof is fine.
Speaker 11: And it looks like well it looks like the older
Speaker 11: hail damage and water made its way through a hole
Speaker 11: from the hail damage or something, you know, we might
Speaker 11: be able to.
Speaker 7: It just depends on who we get. Is an adjuster, hey,
Speaker 7: but not.
Speaker 5: Let me ask you this.
Speaker 4: In the past year, we've had a lot of rain.
Speaker 4: Has rain come in before or what happened on that
Speaker 4: roof last night?
Speaker 5: As far as you can tell.
Speaker 19: Well as far as I can tell, is we got
Speaker 19: a lot of heavy rain last night. I mean this
Speaker 19: was tornado style rain as well as some sleet troubles
Speaker 19: just hitting us hard. I mean, I've never seen this
Speaker 19: area flood like this. I mean we had flood through
Speaker 19: the yard people. I mean people are out of power
Speaker 19: right now in this area.
Speaker 4: You've got, you have got a lot of things going on.
Speaker 5: I'm going to make a suggestion to you.
Speaker 4: I'm hoping my buddy here, Mark Schamansky, you know generally
Speaker 4: he's the eyes on the ground. Mark. Is this something
Speaker 4: you can go out and kind of assess for us
Speaker 4: and see what's going on?
Speaker 20: Yeah, we can, and you know, if we can do
Speaker 20: a temporary patch and then we could actually get going
Speaker 20: on a roof. I mean we're about a week out
Speaker 20: on deliveries. I mean, so if she's but you.
Speaker 5: Can get out there and make it so water's not
Speaker 5: coming in.
Speaker 20: We can do it temporary.
Speaker 5: You can stop the damage.
Speaker 20: You can stop the damage.
Speaker 5: Is that something you would like to not?
Speaker 19: Yes? Because I hear that we're getting more tonight.
Speaker 4: Oh my god.
Speaker 5: Well, here's the deal. I'm going to send these guys
Speaker 5: out there.
Speaker 4: As far as the contract with these other people, I'm
Speaker 4: going to have Deputy Doc just make a call. But
Speaker 4: I'll be honest, I wouldn't mess with them. If it's
Speaker 4: truly been a year. Did you send that contract by
Speaker 4: the way, I have an eyeballed it yet. Yes, okay,
Speaker 4: I'm an eyeball at tearing break and then hold on
Speaker 4: one more second. I do want to eyeball that run
Speaker 4: that through these guys. I might get Brad O'Brien on,
Speaker 4: but I wouldn't mess with them if it was me.
Speaker 4: And this isn't legal advice. I simply would not mess
Speaker 4: with these guys. I don't care what they say or do.
Speaker 4: A year is absolutely horrible. And because they're their ability
Speaker 4: not to do the job whatsoever, because they can't even
Speaker 4: get out there in a year, you have more damage. Now,
Speaker 4: I mean, these guys. If everything you're saying is correct,
Speaker 4: in my opinion, these guys suck.
Speaker 5: I mean really suck. Hold tight.
Speaker 14: Go with a sure thing Denver's best roofer Excel roofing
Speaker 14: dot com. You don't pay a cent until you're content.
Speaker 14: Time for an insurance checkup free, no obligation. In comparison,
Speaker 14: call Compass Insurance paying too much your coverage at dozens
Speaker 14: of insurance companies find out now three oh three, seven
Speaker 14: to seven to one help.
Speaker 15: You'll think you're his only customer.
Speaker 14: When you choose Frank durand the Real Estate man dot
Speaker 14: com to list your home with Remax Alliance three oh
Speaker 14: three nine two zero sixteen twenty two.
Speaker 4: All right, three three seven one three A two five five.
Speaker 4: We've got a lot going on. Here's what we're gonna do.
Speaker 4: We're gonna have Mark Schamansky. Uh, he happens to be
Speaker 4: in studio today and I really appreciate him doing this
Speaker 4: for a vant. She's got a big hole in her house.
Speaker 4: Whozamn puts the pictures up on YouTube stream. It looks horrible.
Speaker 4: I mean, these guys, you guys are telling me it's
Speaker 4: not probably as bad as it looks because it's mostly
Speaker 4: what Mark just drywall insulation.
Speaker 20: Drive all in insulation. I mean, I'm assuming the frame
Speaker 20: will still be good. We still need to get a
Speaker 20: dried out though, so we don't get mold. Yeah, we
Speaker 20: got to figure out what's going on and get the
Speaker 20: leak to stop.
Speaker 4: And so these guys are gonna handle that for We're
Speaker 4: gonna get rid of these old roofers for not. I mean,
Speaker 4: you just can't deal with them. Just I want you
Speaker 4: to start ghosting him. At this point, I'm gonna send
Speaker 4: over can you get me that contract in a pdf?
Speaker 4: I mean i understand you just took pictures of it
Speaker 4: with your phone, but there's no way you have a
Speaker 4: PDF available or do you.
Speaker 16: I may be able to talk if you can get that.
Speaker 4: The only reason I say that is I want to
Speaker 4: send it over to our attorney, and I don't know
Speaker 4: how clear.
Speaker 5: It is just with those pictures. We're going to do
Speaker 5: that anyhow.
Speaker 4: In fact, Suzanne, I'll send it to you if you'd
Speaker 4: get it over to Brad O'Brien. Let's have an eyeball it.
Speaker 4: I'm going to put you on hold. We're gonna get
Speaker 4: all your information, Kelly is Mark. You're going to contact
Speaker 4: her after the show, and we're going to figure out
Speaker 4: a game plan to move on. We're going to get
Speaker 4: the attorney involved though Vernat and get some legal advice
Speaker 4: on what to do if this other company uh wants
Speaker 4: to start doing something. But guys, I mean, if you
Speaker 4: look at the contract, can you shed any information?
Speaker 17: Matt?
Speaker 20: Yeah, I mean Matt and I both can look at
Speaker 20: the contract and give us So okay, let's do that.
Speaker 4: Let's do that. So let's get her on hold. We'll
Speaker 4: free up line one. Kelly, make sure we have all
Speaker 4: our information. Mark's going to reach out to her. These
Speaker 4: two are going to eyeball the contract in the next
Speaker 4: few minutes, and we're also going to send it over
Speaker 4: to our attorney, our bratt O'Brien.
Speaker 5: So let let's vernot. You're in good hands.
Speaker 4: Hold tight three oh three seven one three eight two
Speaker 4: five five Land you've been holding for a while. And Joseph,
Speaker 4: I did see your bank statement, so I'm going to
Speaker 4: get back to you in a minute. I know you're
Speaker 4: facing a viction tomorrow. Len, what's going on with you?
Speaker 23: Okay?
Speaker 12: I had my driveway resurfaced, and when they first finished it,
Speaker 12: it looked pretty good. But after a day or so,
Speaker 12: when it dried it up, it started crumbling and looking bad.
Speaker 4: Hey, n tell me the procedure, then, hold on, help
Speaker 4: me out here. Tell me the procedure they did. Was
Speaker 4: it so you had the driveway done? Was it spaulding? What? What?
Speaker 4: What was the initial problem you were trying to get
Speaker 4: rid of or it was just old and fading or what.
Speaker 12: It was? Okay, and you know, and looking bad, And these.
Speaker 4: Guys came out, and what was their idea of fixing it?
Speaker 4: Did they sand it down then try to put a
Speaker 4: fresh layer of concrete?
Speaker 5: What did they do.
Speaker 3: Well?
Speaker 12: They pressure was shit? Uh, you know, and I didn't
Speaker 12: expect it to look like brand new.
Speaker 4: I wait a minue, Hold on a second. Is that
Speaker 4: all they did was pressure wash it?
Speaker 12: Yes?
Speaker 5: And it started shipping away.
Speaker 12: Yeah. Now a lot of it is is okay, but
Speaker 12: there's spots in it that's crumbling away.
Speaker 4: Mark, Mark, you do a lot. Hold on a second, Len, Mark,
Speaker 4: you do a lot of work. You've hired a lot
Speaker 4: of concrete companies in your day, I know it. So
Speaker 4: what what would you do? Forget about his circumstance. I'm saying,
Speaker 4: if you took a powerasher to cement someone's patio and
Speaker 4: it started having pieces getting removed, how would you possibly
Speaker 4: fix that?
Speaker 20: Well? I mean you there are getting some better and
Speaker 20: better products out there to patch concrete. Yes, so yeah,
Speaker 20: I mean but if it's crumbling, why you're power washing?
Speaker 20: Maybe stop power washing? I know, I just Stoplen. Could
Speaker 20: you send us a picture of what it looks like
Speaker 20: right now?
Speaker 12: You know, I'll tell you what. Yeah, I'm maybe one
Speaker 12: years old. Oh okay, and I'm not real good on
Speaker 12: the fair enough and stuff like that.
Speaker 4: So did you call back this did you call back
Speaker 4: this guy that powerwashed it.
Speaker 5: And who was it, by the way, don't tell me
Speaker 5: it was like a neighbor kid. Who was it?
Speaker 12: Oh no, it's uh. You want the name of the company.
Speaker 4: Hell, yeah, I do.
Speaker 12: Okay, it's mile high concrete and landscaping.
Speaker 4: And did they end up? So when it started chipping
Speaker 4: and chunking, did they continue or did they stop? As
Speaker 4: best as you know.
Speaker 12: It did it didn't chip only when they was pressure
Speaker 12: was washing it. It's just now that it's done, and
Speaker 12: we had it done on six six.
Speaker 4: No, wait a minute, lenn, So just to clarify, they
Speaker 4: did it. Then a few days later it started crumbling. Yeah,
Speaker 4: how does that happen? Gentlemen?
Speaker 5: That doesn't make sense.
Speaker 20: It sounds like it sounds like they put something on top.
Speaker 4: They didn't.
Speaker 5: Did they put anything on top of it?
Speaker 12: Yeah? It's ah. They called it a stealer at a
Speaker 12: concrete at eascive sealer.
Speaker 20: Right, And if you don't pro.
Speaker 12: Concrete or something like that.
Speaker 5: Oh my god, this sounds horrible. What area town are
Speaker 5: you in.
Speaker 12: I'm an Aurora.
Speaker 4: Oh that's not I'm trying to think who I could
Speaker 4: send out there to eyeball it. What are these guys
Speaker 4: say when you call him now, you can't get a.
Speaker 12: Hold of them. He doesn't doesn't return any what's his name.
Speaker 12: What's his name, Josh McMillan, Josh.
Speaker 4: McMillan, And apparently he's the owner of I want to
Speaker 4: get this right, Mile High Concrete and Landscaping.
Speaker 5: Yeah, do you have Josh's phone number?
Speaker 12: I've got a couple of different phones.
Speaker 4: Right, here's what I want you to do. I'm going
Speaker 4: to put you on hold. You're going to give those
Speaker 4: to Kelly. I would like to reach out and see
Speaker 4: if they're willing to do anything. I want to give
Speaker 4: them the opportunity first to figure out if they're going
Speaker 4: to handle their own problem. Now, once again, I'm not
Speaker 4: even quite sure. And this is truly Mark Schamansky. This
Speaker 4: is really where I would like your advice. If this
Speaker 4: happened to you. Guys, You're out there powerwashing something, this
Speaker 4: exact thing, and it starts crumbling, or you put the
Speaker 4: epoxy down or whatever this coating is they're putting down,
Speaker 4: and a few days later it starts doing this. Did
Speaker 4: they do one? First question, based just purely on what
Speaker 4: we know on this call, and then did they do
Speaker 4: anything wrong?
Speaker 20: Well, there's a good chance. Okay, they powerwashed it. Was
Speaker 20: it dry before you start putting something on, because if
Speaker 20: it's not dry, moisture is going to start coming up
Speaker 20: and it's going to pop whatever you put on top.
Speaker 4: I got it. So if he laid the cover down
Speaker 4: overwent cement, that could have caused the crumbling, right, I
Speaker 4: didn't even think of that.
Speaker 20: And the other thing is is it thick enough profile
Speaker 20: that it can actually hold on? Because you know, you
Speaker 20: can't put a real thin layer of concrete. It's just
Speaker 20: going to come up.
Speaker 4: You basically got to follow whatever instructions it comes with, correct, Okay.
Speaker 4: So that's what we've got to determine, yes, okay. And
Speaker 4: that's the only reason. I mean really, the moisture is
Speaker 4: the only reason you can think of that it would
Speaker 4: crack days later?
Speaker 20: Well yeah, I mean, wist just trying to come up
Speaker 20: and it can.
Speaker 5: Right, It's trapped in between a hard.
Speaker 20: Surface, right, and it's not going to let it here?
Speaker 4: Sure what's going to crack? What's under it? Because it's
Speaker 4: older and more brittle.
Speaker 6: Right?
Speaker 4: Oh my goodness, All right, len hold tight. I want
Speaker 4: you to give Kelly the phone number to this Josh McMillan.
Speaker 4: We're going to try to reach out, see if you'll
Speaker 4: come on for a comment, try to get something from him.
Speaker 4: So hold tight, you hold tight, man, I want to
Speaker 4: help you out. Eighty one years old paid for this
Speaker 4: looks like a bad job. I want to help this
Speaker 4: guy out, and that is what this show's about.
Speaker 14: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 14: dot com.
Speaker 15: You don't pay a cent until you're content.
Speaker 14: Time for an insurance check up free, no obligation comparison
Speaker 14: call Compass Insurance paying too much your coverage at dozens
Speaker 14: of insurance companies find out now three all three seven
Speaker 14: to seven to one help. You'll think you're his only
Speaker 14: customer when you choose Frank durand the real estate Man
Speaker 14: dot com to list your home with Remax Alliance three
Speaker 14: all three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five. I looked over and saw my my gorgeous
Speaker 4: wife is wearing a mushroom shirt.
Speaker 5: Not sure what tam means.
Speaker 4: It's from Target mark it was seven.
Speaker 5: Bucks, so it's not the magic mushrooms we hear about.
Speaker 24: It's just like if you you know, just different mushrooms hunting.
Speaker 5: For fair enough?
Speaker 4: Hey, Kelly, did we happen to try to get the
Speaker 4: contractor that went out and was attempting to fix Lens
Speaker 4: driveway kind of resurface it from Mile High Concrete and Landscaping.
Speaker 4: Josh McMillan, Kelly, Kelly, please leave a mess then. I
Speaker 4: don't know what quick to say about that. Suzanne, would
Speaker 4: you run in there and try to call them for me?
Speaker 4: Be a peach three oh three seven one three A
Speaker 4: two five five. Okay, we're gonna lend just hold tight.
Speaker 4: I want to try to call get them on. We're
Speaker 4: going to try to find someone. Oh, I know who
Speaker 4: could go out and look, Suzanne, you know who could
Speaker 4: do that is Bob. Let's get Bob l em landscaping.
Speaker 4: He is always great at going out and looking at jobs.
Speaker 4: He does concrete. Maybe he can fix it. He can
Speaker 4: also let us know how bad this job was. But
Speaker 4: I do want to try to reach out to this
Speaker 4: contractor first hear his side. Uh this, Josh McMillan, I
Speaker 4: do want to hear his side. I don't want to.
Speaker 4: I don't want to like a bust a vein over
Speaker 4: this right now, but I do want to see what
Speaker 4: this guy, if he's willing to come on the air,
Speaker 4: why he's ghosting Lend Lend. By the way, when you
Speaker 4: say he's ghosting you, how long has it been. When's
Speaker 4: the last message you left with them?
Speaker 12: Well, proye, the last time I talked to him was
Speaker 12: back about sixty sixth of this year, six.
Speaker 4: Six And when is the first time it started getting
Speaker 4: real bad and you reached out?
Speaker 12: That's when he did the job. Uh, he called and
Speaker 12: asked me to give the final payment to one of
Speaker 12: the fellas that was there doing the job. He never
Speaker 12: did come back and look at the job once he
Speaker 12: did it.
Speaker 4: And then you called a few days later, and he's
Speaker 4: yet to return your phone call.
Speaker 12: I've called him several times and ask him, you know,
Speaker 12: to uh, just let me know what.
Speaker 4: I got you. I got you.
Speaker 5: We're trying to call you know what.
Speaker 4: It would be nice at least if these contractors and
Speaker 4: in my opinion, this guy, well, okay, I'll be honest,
Speaker 4: I think he sucks right now. The main reason I
Speaker 4: think he sucks is, according to Lenny, can't even return
Speaker 4: a call. I much rather someone say hey, look it's
Speaker 4: an old driveway. We tried to fix it. You know,
Speaker 4: give him something. But to simply ghost them, never communicate,
Speaker 4: never come look at the finished job is absolutely crazy.
Speaker 4: I mean, how bad can customer service be? It really
Speaker 4: is nuts. I do have one line opened, by the way,
Speaker 4: three zho three seven one three eight two five five.
Speaker 4: Now I'm gonna go back to Joseph. Joseph, I looked
Speaker 4: at your banking information. It's a bad job.
Speaker 10: Effort to infiltrate President.
Speaker 4: I got the guys listening to something there. Joseph. I'm
Speaker 4: gonna try you again in a second, but I'm gonna
Speaker 4: recap real quick. Joseph called in yesterday. He's getting evicted tomorrow.
Speaker 4: He got basically bamboozled out of thirty eight thousand dollars.
Speaker 5: According to him, he did withdraw it from the bank.
Speaker 4: I'm not sure if this statement is one hundred percent real,
Speaker 4: but I'm starting to think he did withdraw a lot.
Speaker 5: Of money from the bank.
Speaker 4: It was ten thousand, ten thousand, ten thousand, then eight
Speaker 4: thousand something, which was the remainder of his bank account
Speaker 4: at that time. He hasn't paid his mortgage for three months,
Speaker 4: he doesn't have a job.
Speaker 5: He's going to have the sheriff there tomorrow.
Speaker 4: I think, I just I we can.
Speaker 5: Try to pull him up later.
Speaker 4: I don't know how to help him now he's sitting
Speaker 4: there listening to a Trump rally or something.
Speaker 5: Jose, What is going on with you? Jose?
Speaker 23: So I had.
Speaker 25: A hell damage road, couple of windows. I still haven't
Speaker 25: gotten anything from the insurance. They say they're still working
Speaker 25: on it. They're still investigating.
Speaker 5: What insurance company is it?
Speaker 25: American Family?
Speaker 4: You know, I'm not going to say anything about American
Speaker 4: Family because I've never used him. But I'm going to
Speaker 4: ask Matt, who deals with insurance companies all the time.
Speaker 4: Let's say one to ten, who's the best? Being number
Speaker 4: ten in your brain the easiest to deal with.
Speaker 7: Amika and Acuity are the best.
Speaker 4: They're the best.
Speaker 11: So let's job jub is great, but that's a million
Speaker 11: dollars homes and beyond got it.
Speaker 4: So let's say there's your up, rachelon what's the lower
Speaker 4: piece of crap insurance you got to do with? Generally?
Speaker 7: American Family?
Speaker 5: American Family? Oh man, that sucks now, well.
Speaker 25: My problem is that it got the siding in the
Speaker 25: front of the house and the roof. There's not anything
Speaker 25: about the roof, just the sighting. My contractor says, I
Speaker 25: have interstate. He says, the sighting is not available anymore.
Speaker 25: So he said that basically they have to pay to
Speaker 25: reside the whole house. American family tell me, I know
Speaker 25: that they're only going to pay for the front of
Speaker 25: the house.
Speaker 4: Jose, you need a public adjuster. I don't care what
Speaker 4: anybody says out there listening. I'm going to tell you
Speaker 4: what Matt does for a living. It is exactly what
Speaker 4: you need right now. And I'm going to tell you
Speaker 4: something else. When you mentioned those windows. I found something
Speaker 4: out about windows. It's kind of remarkable. They don't have
Speaker 4: to break. You can get hit with hail on them,
Speaker 4: and they can go around that seam. And if it's
Speaker 4: a dual pain, triple pain, that window is ruined. I mean, guys,
Speaker 4: is that not correct?
Speaker 7: That's true?
Speaker 11: And then you know, if the of the window is dented, Yeah,
Speaker 11: then that window goes.
Speaker 7: If the you know, like you said, if it's been.
Speaker 11: Compromised between the panes and it's holding moisture, that's going
Speaker 11: to new window.
Speaker 7: Now, some windows have just a replaceable beating.
Speaker 4: That's different.
Speaker 7: That's different.
Speaker 5: Here.
Speaker 4: Here's the bottom line, Jose, they're a roofer. I've heard
Speaker 4: of Interstate Roofing. I think they're one of the largest
Speaker 4: roofers in the country. I had an issue with them
Speaker 4: years ago, but they never did any work. It wasn't
Speaker 4: what the quality of work. I didn't like their tactics,
Speaker 4: their delay stuff was bad, but I got out of
Speaker 4: the contract. But we don't get a lot of complaints
Speaker 4: on Interstate. We just simply don't. You probably already signed
Speaker 4: a contract with them, you're gonna end up using them.
Speaker 4: What Matt would do is come out and find in
Speaker 4: source the other damage. Now Matt in Mark chime in
Speaker 4: here too. If his contract says they're going to do
Speaker 4: every bit of the scope of work there, and then
Speaker 4: a public adjuster gets involved, how does that work? Because
Speaker 4: they might claim they might claim that they get that
Speaker 4: ten percent an overhead and profit, for example, because they
Speaker 4: were there first. But the problem is there's no movement
Speaker 4: from the insurance company. They don't know what to do.
Speaker 4: This poor guy has been sitting there for what four
Speaker 4: or five months with nothing.
Speaker 5: Done right, So I would say.
Speaker 11: You know, if if this Interstate Roofing can do windows
Speaker 11: and siding, they're probably locked in and doing the whole job.
Speaker 11: What I would do is talk with them, talk to
Speaker 11: their project manager and make sure that he understands if
Speaker 11: I step in, I got to be paid, you know.
Speaker 7: You know that's got to come out.
Speaker 11: Of the overend profit or directly from the homeowner or whatever.
Speaker 6: Whatever.
Speaker 7: That looks like. It's just a conversation.
Speaker 9: I mean, I understand all that.
Speaker 25: Nothing has been the made issue. It's just that the
Speaker 25: insurance company saying that because the siding is not made anymore.
Speaker 4: I'm saying, I swear to God, Listen, you just said
Speaker 4: you understand everything. No you don't, because what we just
Speaker 4: said was that's what Matt does. Matt gets involved. He
Speaker 4: becomes basically power of attorney for you. He goes to
Speaker 4: your insurance company and says, guys, why are you dragging
Speaker 4: your feet? We can't get it anymore. You got to
Speaker 4: pay for the entire house. And he makes him do it.
Speaker 4: He reads the language in the damn contract and holds
Speaker 4: your feet to the fire. Matt, is that not what
Speaker 4: your life goal is?
Speaker 17: Yeah?
Speaker 11: Absolutely? The issue with Colorado. Having said all that is
Speaker 11: it's not a matching state. But if we can prove
Speaker 11: through a system called I tell that it is absolutely
Speaker 11: not available, we can push for whole house replacement.
Speaker 4: That's what you need right now. Interstate Roofing is not
Speaker 4: going to be able to force your insurance company to
Speaker 4: pay for stuff that's not available anymore. You need someone
Speaker 4: like Matt. That's what he does for a living, Jose,
Speaker 4: I promise you. I'm just frustrated because I thought I was.
Speaker 5: Explaining that properly.
Speaker 4: Do you get it? That is literally what Matt does.
Speaker 4: He would call up talk to the GM or whoever,
Speaker 4: whoever you deal with it, Interstate Matt would have a
Speaker 4: conversation with and they together will figure out how to
Speaker 4: go forward and tackle this piece of crap insurance company
Speaker 4: that keeps putting you off.
Speaker 5: That's the whole gig man.
Speaker 25: Okay, yeah, that'll work.
Speaker 4: Yeah, that's it. That's it. That's how it works. And
Speaker 4: I'm gonna put you hold on. We're gonna put you
Speaker 4: on hold. Kelly, get his information. Get it to Matt. Jose.
Speaker 4: I appreciate the call. You worked me up a little bit,
Speaker 4: but I hate insurance companies, honestly, God, I hate them.
Speaker 4: I'm going to tell everybody, including Jose, what Matt did
Speaker 4: for me. Okay, how many years ago was the roof
Speaker 4: four I don't know five about four h and what
Speaker 4: what did they offer me? At first?
Speaker 7: I think big old zero zero?
Speaker 4: They said, Mark, you don't have any damage. I'm looking around,
Speaker 4: neighbors getting the roof, other neighbors get in the roof.
Speaker 5: How much did you get me?
Speaker 4: Somewhere over seventy over seventy thousand dollars? These these these morons,
Speaker 4: these morons said I had no damage, Matt got involved,
Speaker 4: They get seventy thousand. Now when I had the other
Speaker 4: hal issue, what eight months ago, a year ago, whatever
Speaker 4: it's been. What did they tell me?
Speaker 7: Another zero?
Speaker 5: Another zero?
Speaker 4: Mark, Sorry, you don't have coverage for that. What did
Speaker 4: you get me?
Speaker 5: Where do you think it'll land?
Speaker 11: We're sitting at I think sixteen to twenty right now,
Speaker 11: but we're moving that into the appraisal process, so probably yeah,
Speaker 11: we could get it up to forty to fifty.
Speaker 4: Guys, I'm telling you, if you have homeowners insurance and
Speaker 4: doctor Joel, you have a home, you've probably dealt with
Speaker 4: bad claims insurance companies and everybody. Correct me. I mean, honestly,
Speaker 4: have you ever met an adjuster that comes out and
Speaker 4: adjusts up? I mean, really, just sudjusts up, walks around
Speaker 4: your house and says, oh, sir, you know, we're definitely
Speaker 4: gonna get your roof, but I want to point out
Speaker 4: some damage to your deck over here, or that tree,
Speaker 4: that brand new, beautiful apple tree you planted, it's destroyed.
Speaker 4: And then the cement that the hall was so big
Speaker 4: it chunked the cement over here. And then look at
Speaker 4: your siding and your paint and everything. Do you think
Speaker 4: any adjuster comes out and does that?
Speaker 6: Nope?
Speaker 4: None.
Speaker 7: You gotta have representation if you want that number to go.
Speaker 4: There is so many people right now, right now, with
Speaker 4: all the hell we had this year and even last year.
Speaker 4: Mark wasn't last year worse than this year in general? Guys,
Speaker 4: oh by far.
Speaker 20: That spring it just hit with storm after storm after storm.
Speaker 20: But prior to that was four years with no hell,
Speaker 20: no hell?
Speaker 5: Right, how long do people have?
Speaker 4: Guys in general, defile the claim one year, one year
Speaker 4: if you have not had your roof checked, your siding checked,
Speaker 4: or if you have a claim open right now, you
Speaker 4: cannot not call these guys. I don't care if you
Speaker 4: call Matt with Paragon or call Mark. These guys kind
Speaker 4: of work together. But what you need to do is
Speaker 4: have it checked. If it happened within the last year,
Speaker 4: you can have it checked.
Speaker 13: Now.
Speaker 4: Now what ems if they do have a roof claim
Speaker 4: and the roof was done, they got their final check, Matt.
Speaker 4: But then like their neighbor comes over or a guy
Speaker 4: like you and says, hey, look those windows should have
Speaker 4: been replaced with that, or the siding should have been done,
Speaker 4: or at least we should have painted the house those
Speaker 4: kind of things. Can you reopen the same claim?
Speaker 11: Yeah, you can reopen a claim up to two years,
Speaker 11: usually depending on the policy language. But yeah, it's never
Speaker 11: quite closed until that time expires, till the statutes are
Speaker 11: all right. And so yeah, all the time I get
Speaker 11: people that the insurance company paid for the roof, But
Speaker 11: I go out and I say, look, they should.
Speaker 7: Have paid for your paint, your deck, your windows.
Speaker 4: Yeah.
Speaker 11: And that's why me and Mark Shamansky work together so well,
Speaker 11: because you know, he's got all these project managers that
Speaker 11: basically are my eyes and ears. If they're out the property,
Speaker 11: they feed me the data and then I go after
Speaker 11: the insurance company.
Speaker 4: Guys, I can't everybody listening out here, this is what
Speaker 4: this show is about.
Speaker 5: Education.
Speaker 4: That's why I wanted these guys in with the hail
Speaker 4: from last year in this year. If you haven't had
Speaker 4: it checked out, you got to get that claim in
Speaker 4: within a year. If you do have an open claim
Speaker 4: and all you're getting is a roof, I'm telling you
Speaker 4: they owe you a lot more. That's all I can say.
Speaker 4: They're never going to tell you. They're not going to
Speaker 4: tell you about the paint job. They're not going to
Speaker 4: tell you about the fence that got beat up by
Speaker 4: the ail. They're not going to tell you about the windows.
Speaker 4: They're not going to tell you. You gotta have someone out
Speaker 4: there that knows three oh three seven one three eight
Speaker 4: two five five.
Speaker 5: Make sure we get Jose's information.
Speaker 4: Then Rachel's got a problem with a mechanic len Hey Kelly,
Speaker 4: real quick, did we try to reach out to that
Speaker 4: contract or any luck there?
Speaker 21: All three numbers are disconnected.
Speaker 4: Crap, all three numbers. Can we get Bob with l
Speaker 4: em up? I want to ask him to at least
Speaker 4: go out there and figure out how to fix this
Speaker 4: this mess. I am so sick and tired of bad contractors.
Speaker 4: I mean, really, I just don't even know what to do.
Speaker 4: My tongue gets tied. I mean I wish I could
Speaker 4: cuss on the radio.
Speaker 14: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 14: dot com.
Speaker 15: You don't pay a cent until you're content.
Speaker 14: Time for an insurance check up free, no obligation comparison
Speaker 14: call Compass Insurance paying too much your coverage at dozens
Speaker 14: of insurance companies find out now three oh three seven
Speaker 14: to seven to one help. You'll think you're his only
Speaker 14: customer when you choose Frank durand the real estate Man
Speaker 14: dot com to list your home with Remax Alliance three
Speaker 14: oh three nine two zero sixteen twenty two.
Speaker 1: Ripped up News. You need advice?
Speaker 20: Who you don't have?
Speaker 1: Run as fast.
Speaker 3: As we can.
Speaker 1: Shooter's gonna help. Come man, this is.
Speaker 3: The Troubleshooter Show. No Tom Martinez.
Speaker 4: Welcome, my friends, Welcome to the show, the only show
Speaker 4: of is kind. We're here to solve problems, answer questions,
Speaker 4: say it with me, take complaints, try to make your
Speaker 4: life a little bit better. You've been ripped off, taken
Speaker 4: advantage of. We want to help you. I want to
Speaker 4: finish up with Joseph. Now, Rachel's got an issue with
Speaker 4: a mechanic. Len actually let me free. This line open
Speaker 4: by the way, you want to get through to the show,
Speaker 4: you can do it. I'll always let you know when
Speaker 4: a line's open. Right now, we do have one three
Speaker 4: oh three Martine, you know, three zero three Martino in
Speaker 4: studio with me. He just walked in the door. But
Speaker 4: Brian Burns with Compass Insurance. These are guys Suzanna and
Speaker 4: I have used forever times used forever doctor Joel Churnak.
Speaker 4: In fact, doctor Deel Turnak just did a procedure on
Speaker 4: Tom about two and a half months ago, and you
Speaker 4: can check out exactly what he had done at Denver
Speaker 4: Hairclinic dot com. But we kind of exposed that story
Speaker 4: today that you guys did that and Tom's starting to
Speaker 4: grow hair. I mean, simple as that.
Speaker 8: Yeah, he spoke to me last week because he happy,
Speaker 8: he was surprised, and I'm surprised that he was surprised.
Speaker 4: Okay, I'm gonna tell you why, and hopefully he doesn't
Speaker 4: mind me saying this. Years ago, and I don't know
Speaker 4: how many years ago, but I would say maybe ten
Speaker 4: somewhere around twenty fifteen ish, he had a procedure done
Speaker 4: and it did nothing.
Speaker 6: Okay nothing, well.
Speaker 8: I know another concern that he had, and this is
Speaker 8: actually the benefit of our patients, is that our procedure,
Speaker 8: like I said, that first time, you're in and out
Speaker 8: in an hour an hour, Yeah, the.
Speaker 4: One he did years ago. I assure you it was
Speaker 4: not like that.
Speaker 8: No, nothing is as fast as what we're doing right now,
Speaker 8: because we just need to put those materials in the
Speaker 8: scalp and win.
Speaker 6: It starts.
Speaker 4: Same thing, doesn't matter, We're just the same.
Speaker 8: And on that point, you can.
Speaker 4: Amen starting to thin out. You can thicken up that hair, right,
Speaker 4: not just now.
Speaker 8: We get a lot of women that you know, in
Speaker 8: the eighties and nineties they plucked out all their eyebrows,
Speaker 8: and now they want their eyebrows back, and we do eyebrows,
Speaker 8: eyebrow hair translating and beard as well.
Speaker 5: Well, I'm sorry, I'm naive here.
Speaker 4: If you how do you not have I've never seen
Speaker 4: anybody where they naturally fall out.
Speaker 5: You're saying eyebrows can naturally fall out.
Speaker 6: She knows what I'm talking about.
Speaker 8: So you know, cosmetically, what women did in the eighties
Speaker 8: and nineties was to pluck out their eyebrows to make
Speaker 8: them thin.
Speaker 5: And once you pluck them out, they don't come.
Speaker 8: Back time over time, they're gone.
Speaker 6: They're gone.
Speaker 8: So we have women call into us and say I
Speaker 8: lost my eyebrows of how to draw them in with,
Speaker 8: you know, makeup.
Speaker 4: And now they want them back and you can do that.
Speaker 6: We can do that.
Speaker 8: We do a hair transplant from the little hairs from
Speaker 8: the back of their head and it works, and it
Speaker 8: works just like any other hair trails, and it looks
Speaker 8: like eyebrows, and it looks like eyebrows.
Speaker 4: Yeah, that's amazing. Yeap, that really is amazing.
Speaker 8: So that's a whole other niche that we take care of.
Speaker 4: We're going to follow Tom's well from the procedure going forward.
Speaker 4: Every couple months, I want to start putting pictures up.
Speaker 4: Get with him, Let's make sure he's okay with it.
Speaker 4: That's probably a good idea Denverhairclinic dot com.
Speaker 6: Correct.
Speaker 4: I think that would be a great idea and people
Speaker 4: can see it. I want to ask you something. Then
Speaker 4: we're going to hop to the phones. I'm a little
Speaker 4: different than Tom. I believe in asking people in pricing.
Speaker 4: There's a lot of times we have advertisers in and
Speaker 4: you guys are all great people, everybody in here, but
Speaker 4: I really do like putting pencil to paper.
Speaker 5: We're talking about hair restoration.
Speaker 4: And you can be mad at me if you want,
Speaker 4: but give people an idea if they've got a bald spot.
Speaker 4: I don't even know how you look at it, like
Speaker 4: the size of a fist. I don't know whatever's average,
Speaker 4: if there is such a thing, How does that work?
Speaker 5: How much does it cost? Generally?
Speaker 4: I realize everybody can be a little different, but what well,
Speaker 4: let me.
Speaker 6: Put it this way.
Speaker 8: If you go to any clinic and do a hair
Speaker 8: transplant procedure, you're looking anywhere from twelve to sixteen to
Speaker 8: eighteen thousand dollars.
Speaker 4: Oh, that's why there's so many bald people walking around. Honestly, God,
Speaker 4: that's why I mean sixteen grand in order to take
Speaker 4: care of a bald spot. I mean, most people aren't
Speaker 4: going to do it right.
Speaker 8: So our procedure just the stem cell procedure for small
Speaker 8: balding areas and to replenish thinning hair sixty nine hundred.
Speaker 5: Sixty nine hundred doll in.
Speaker 6: Yeah, if we do the.
Speaker 8: Full hair transplant like they do at other clinics, Yeah,
Speaker 8: we're charging fourteen thousand, but that also includes the system
Speaker 8: see hundred dollars stem cell procedure.
Speaker 4: So it's both where the other place. You're just getting that,
Speaker 4: just getting the transplant. And I want to say something,
Speaker 4: guys about doctor Joe. I'm going to bring up something
Speaker 4: else he does and I get calls about it, Oh
Speaker 4: my god, weekly weekly the weight loss drug.
Speaker 8: Right o zepic, some meglatide and sepetite.
Speaker 5: Those are the generics.
Speaker 4: Yeah, and what you have done, you found a compounding pharmacy.
Speaker 4: They take the active ingredients in whichever one of those
Speaker 4: meds they create basically a drug for you and your clients,
Speaker 4: right ship it directly to you, and and ship it directly.
Speaker 4: You can actually do a zoom with you and get
Speaker 4: the prescription. But in other words, you don't even have
Speaker 4: to go in.
Speaker 8: No, no, most of our patients don't. And that's all
Speaker 8: over the country, all over the country. And that's their
Speaker 8: Denver Regenita of medicine. That's Denverregen dot.
Speaker 4: Com, Denverregen dot com. But listen to this, how much
Speaker 4: do you think? I don't know if any of you
Speaker 4: guys know how much that typically costs this new weight
Speaker 4: this weight loss drug.
Speaker 5: Does anybody know what?
Speaker 4: Like even insurances don't cover it typically unless it's for
Speaker 4: diabetic needs.
Speaker 5: They won't cover it for weight loss. That's still correct, right.
Speaker 8: I believe Monduro is a proof for weight loss.
Speaker 4: But you're still tolling no, no, not a proof for it.
Speaker 4: I'm saying, does the insurance cover it for weight loss?
Speaker 6: I believe Monturo does.
Speaker 8: That's incredible, But you're still you know, a huge out
Speaker 8: of pocket cost more than what you would pay with
Speaker 8: us anyway.
Speaker 5: And how much do you guys pay all in per month?
Speaker 4: So that includes the shots, the prescription, everything, everything.
Speaker 8: So for the sameglatide which is the same drug that's
Speaker 8: in ozembic YEP and willgovy which charts to seventy five
Speaker 8: a month, I don't know anybody.
Speaker 4: Else that's there is nobody two hundred and seventy five
Speaker 4: a month. And the reason I brought that up, you
Speaker 4: kind of were the first one in.
Speaker 5: Town to do this.
Speaker 4: You really were. I don't care what anybody says. I
Speaker 4: don't know if anybody else that was doing the real
Speaker 4: deal that works. We hear from people every single month,
Speaker 4: every single month that monthly they're losing fifteen to twenty
Speaker 4: pounds and they've been on it for four or five months,
Speaker 4: they've lost close to fifty pounds. It's incredible.
Speaker 8: And with us, we get you go have a real
Speaker 8: medical doctor who's gonna call you every month and follow
Speaker 8: up with you.
Speaker 6: I don't know any other clinic that does that.
Speaker 4: Two hundred and seventy five bucks a month. It's absolutely crazy.
Speaker 4: But once again, that's Denver Regen dot com. My purpose
Speaker 4: in bringing that up though, was the fact when you
Speaker 4: talk about Denverhairclinic dot com in your pricing, it is
Speaker 4: way better than what other people are doing and it's
Speaker 4: a better product.
Speaker 8: Well, we try to make things affordable for people, and
Speaker 8: we try and we get, you know, way more patients
Speaker 8: when we make it way more affordable.
Speaker 4: Well, that's it, because a lot of people are service
Speaker 4: they're fishing for two or three patients and way overcharging
Speaker 4: if you will, Yes, we're business model. Yeah that's not
Speaker 4: your model. Your model is let's get a bunch of
Speaker 4: clients and save them a ton of money, but more importantly,
Speaker 4: let's get them to lose that weight or get them
Speaker 4: feeling better about themselves and what's ever going on with
Speaker 4: their hair?
Speaker 8: And now I'll tell you because of that, with the
Speaker 8: weight loss drug and how much we provide a service
Speaker 8: for people. Most of our patients are now coming from
Speaker 8: referrals from patients that we've had.
Speaker 4: I love it all. Right, listen, Joseph, I looked at
Speaker 4: your account. I'm going to get people caught up real quick.
Speaker 4: Joseph told us he sent thirty eight thousand dollars to
Speaker 4: a scammer in cash yesterday. I didn't believe a damn
Speaker 4: word he was saying. He did send me a statement.
Speaker 4: I'm not going to say it looks perfect. It doesn't
Speaker 4: have the credit union name on it, it doesn't have
Speaker 4: a lot of stuff, but I don't think it was
Speaker 4: phonied up.
Speaker 5: Tell me how you got this statement.
Speaker 13: I went down to the bank this morning and got it.
Speaker 4: That's the only thing that makes sense to me. If
Speaker 4: you said you got it online or anything else, I'd say,
Speaker 4: no way.
Speaker 5: But I understand what they did.
Speaker 4: They actually took this date to that date and printed
Speaker 4: out all the activity in the account and then literally
Speaker 4: printed it out and handed it to you. Yes, man,
Speaker 4: it looks like well, I'll tell you. Everybody with the
Speaker 4: statement says, I can't put it up on our YouTube
Speaker 4: channel because your bank acount everything's on there. But it says,
Speaker 4: ten thousand on the fifth, ten thousand on the fifth,
Speaker 4: ten thousand on the sixth, eight thousand in change on
Speaker 4: the sixth. So in two days, in two days, this
Speaker 4: poor guy withdrew almost forty thousand dollars.
Speaker 5: And then what did you do with that money?
Speaker 13: I sent an EPs to the address they gave me.
Speaker 13: I didn't thought it was a JIT, so I didn't
Speaker 13: write down the tote number of the address.
Speaker 5: He didn't write down an address.
Speaker 4: This is where I'd love callers, input or YouTubers out there,
Speaker 4: honest to God. Now listen, Joseph, there's no doubt, or
Speaker 4: a very low doubt, you didn't pull out forty thousand
Speaker 4: in cash. I saw it, and I believe that's all.
Speaker 4: It's not phony Bologne. After you told me how you
Speaker 4: got it, I get it. So you definitely pulled it out.
Speaker 4: He's saying, he grabbed that money, he wrapped it in tinfoil,
Speaker 4: he put it in an envelope, he addressed it, but
Speaker 4: he never wrote down the address, so he doesn't even
Speaker 4: know where he sent it. And he said, and he
Speaker 4: sent it to someone that was investigating him for child porn, and.
Speaker 13: They said they were investigating the account it wasn't.
Speaker 4: Me, Okay. They were investigating activity on his account that
Speaker 4: they were relating to child porn.
Speaker 13: Right, yes, yes, And.
Speaker 4: They told him after the investigation is over, after the
Speaker 4: investigation is over, they were gonna send you back the
Speaker 4: cash that you wrapped in tinfoil and sent right.
Speaker 13: Yes, okay.
Speaker 4: Now I've got to ask everybody in this room. Susanne,
Speaker 4: I'm going to ask you first. I do believe the
Speaker 4: guy's getting evicted tomorrow. And I do know he withdrew
Speaker 4: long as that's his account and it appears to be
Speaker 4: his name on it. He sent us his driver's license
Speaker 4: as well, so the driver's license it looks legit.
Speaker 5: He withdrew forty.
Speaker 4: Do you think he wrapped it in tinfoil and sent
Speaker 4: it to somebody, not even writing down the address, thinking
Speaker 4: he was going to get it back.
Speaker 9: Extremely hard to believe, Mark.
Speaker 4: It really is true. But Joseph, hold on, I just
Speaker 4: want opinions on this, Joel, I got to ask you man, seriously,
Speaker 4: you just heard the story. If you've got a question
Speaker 4: to ask him, ask him. But that's what what do
Speaker 4: you make of this?
Speaker 6: I've never heard anything like that before.
Speaker 4: Do you think someone could do that? I don't. It's hard.
Speaker 5: It's really hard to suck down. Mark Schamansky.
Speaker 4: It's just so.
Speaker 6: It's weird.
Speaker 20: I mean, just why would somebody want your money wrapped
Speaker 20: in tinfoil? And why would you mail off cash?
Speaker 5: I think that's what you're up against.
Speaker 4: Joseph. For the life of us, no one here let
Speaker 4: me ask this dragon. You've never not given me a
Speaker 4: straight answer. What do you make of this whole story?
Speaker 4: Did you hear it yesterday as well? For most of it?
Speaker 25: Yes, it's just so freakishly unbelievable that I'm sorry, Joseph,
Speaker 25: but that you believed it.
Speaker 13: I'm sorry too. I'm going to be homeless tomorrow.
Speaker 5: It's amazing he sent us the apartment address.
Speaker 4: Matt.
Speaker 11: What do you think, man, Well, the only thing that
Speaker 11: I can see is that these scammers were so good
Speaker 11: at scare tactic and so convincing.
Speaker 7: I mean, from my chair, that's hard to blow.
Speaker 4: That's what you're saying.
Speaker 11: And he just got okie doked and there's no way
Speaker 11: to get it back. And if this was all your money,
Speaker 11: you know, you said you were retired, you know gosh, Brian, Yeah,
Speaker 11: you hear.
Speaker 24: Stories like this and you always think how could you
Speaker 24: possibly believe that it's it's somebody that is legitimate that
Speaker 24: would ask for cash?
Speaker 4: Do you think it happened?
Speaker 2: Though?
Speaker 24: It is hard to believe that someone would do that. Yeah,
Speaker 24: it's hard to believe that anybody would fall from that.
Speaker 17: Right.
Speaker 4: And then, Kelly, I do want your input. What do
Speaker 4: you think?
Speaker 21: I'm always very sorry whenever somebody gets scammed, and unfortunately,
Speaker 21: I think in this case, it's a very unfortunate.
Speaker 5: Do you think he's so?
Speaker 4: Do you think he wrapped up thirty eight thousand dollars
Speaker 4: in tenfoil, put it in an envelope, send it to
Speaker 4: someone and never wrote the address down and thought he
Speaker 4: was going to get it back at some point during
Speaker 4: an investigation into someone that was doing something in his
Speaker 4: bank account with child pornography.
Speaker 21: Well, when you're threatened with child porn charges, sometimes you
Speaker 21: might do something a little extreme.
Speaker 4: And I got a whole Okay, I appreciate it. I
Speaker 4: got a whole other thought on that, and I kind
Speaker 4: of brought that up. And I'm gonna ask you straight out, Joseph,
Speaker 4: if you didn't do anything like that, why would why
Speaker 4: would you withdraw thirty eight thousand and send it?
Speaker 13: Because they asked me to. They said I was the
Speaker 13: camera was being investigated, so he did.
Speaker 4: All right, hold tight, we're going to wrap this up
Speaker 4: after that. I'd like to know what to do for
Speaker 4: this guy. Here's the other problem. He needs fifty four
Speaker 4: hundred by tomorrow and he doesn't have a job. So
Speaker 4: I'm like, let's just say I wave my magic wand
Speaker 4: and give him fifty four hundred. He's in this same
Speaker 4: position next. Hey, he's been in this position for three
Speaker 4: four months now. I have no idea how he's going
Speaker 4: to get out of this position. That's probably the biggest part. Honestly,
Speaker 4: he's probably falling off the cliff. Hold on, we've got
Speaker 4: Rachel coming up. She's got an issue with a mechanic.
Speaker 15: Matt.
Speaker 4: You got kudos online four from Dale. I want to
Speaker 4: see what that's all about. And then back to Len
Speaker 4: on that concrete issue. We can't get in touch with him. Oh,
Speaker 4: we do have Bob from l em Hold tight. We
Speaker 4: got her expert up. We got a lot going on.
Speaker 14: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 14: dot com.
Speaker 15: You don't pay a cent until you're content.
Speaker 14: Time for an insurance check up free no obligation in comparison,
Speaker 14: call Compass insurance paying too much your coverage at dozens
Speaker 14: of insurance companies find out Now three o three seven
Speaker 14: to seven to one help. You'll think you're only customer
Speaker 14: when you choose Frank durand the real estate man dot
Speaker 14: com to list your home with Remax Alliance three oh
Speaker 14: three nine two zero sixteen twenty two.
Speaker 15: Paul the water Man.
Speaker 4: Why am I talking about him? Because if you want
Speaker 4: absolutely the best water systems for the least amount of money,
Speaker 4: that's why I'm talking about him. He came out and
Speaker 4: put a softener in our house. Suzanne loves it. I mean, honestly,
Speaker 4: tell people, why do you like it? I never think
Speaker 4: to ask you that gives me better hair? Mark, it
Speaker 4: gives her better hair. And anybody that's married or has
Speaker 4: got a live in girlfriend, and when they have better hair,
Speaker 4: you have a better life. I don't know how else
Speaker 4: to put it, but the softener really gives her better hair.
Speaker 4: And it's absolutely amazing. The water feels different, it tastes good.
Speaker 4: I love everything about it. But if you want the
Speaker 4: best water systems out there, whether it's filtration or softeners,
Speaker 4: they've got the best prices. In fact, ours cost probably
Speaker 4: half what the other guy's charge, and they'll do the
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Speaker 4: an honest, straight shooter. He's an actual license plumber. He
Speaker 4: knows what he's talking about. Check him out right now,
Speaker 4: give him a call. If you've been putting it off
Speaker 4: waterpros dot net, they'll come out to a free sample
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Speaker 4: a free quote. They're not high pressure waterpros dot net.
Speaker 4: That's waterpros dot net. Now we have got a ton
Speaker 4: going on. I'm gonna pull up Bob. Bob's on a
Speaker 4: refer list at referral list dot com. By the way,
Speaker 4: three oh three Martino. That number works on and off
Speaker 4: the air. I try to throw that in in every hour.
Speaker 4: We got lines full now, but I'll let you know.
Speaker 4: But if you call us after the show, or have
Speaker 4: a neighbor that has a problem where you run into
Speaker 4: somebody and you're hearing a bad story, you know, while
Speaker 4: you're at the grocery store or whatever, give that number
Speaker 4: out three oh three Martino. We monitor that twenty four
Speaker 4: to seven. You can leave a message. If we don't
Speaker 4: pick up and we can try to help you. We
Speaker 4: live and breathe help. But Bob's on a refer list
Speaker 4: at referral list dot com. Bob, I'm gonna hit you
Speaker 4: up for a favor. Like usual, I'm gonna give you
Speaker 4: the nutshell version of what happened to Lenn came out
Speaker 4: because his driveway it was spaulding. It looked like crap.
Speaker 4: They came out, they sold him some kind of re resurfacing,
Speaker 4: and it looks like.
Speaker 13: They well hold on.
Speaker 4: They power washed it, and then after they power washed it,
Speaker 4: they put a ceiling on a ceiling on it. What
Speaker 4: Mark Schamansky, who's in studio with me with Genesis Total Exteriors,
Speaker 4: thinks what happened is they didn't let it dry after
Speaker 4: power washing. They put that coating on there, and then
Speaker 4: the water, the moisture I had nowhere to escape, so
Speaker 4: it started crumbling this cement. And now he's got crumbling cement.
Speaker 4: And these guys every phone number we have tried, by
Speaker 4: the way, Len, real quick, every phone number Len you
Speaker 4: gave us is now disconnected. Is that correct, Kelly correct?
Speaker 4: So these these guys are fly by night, they're gone.
Speaker 4: They're simply not around I'd love to find them, and
Speaker 4: if you do, i'd call them out. But I mean
Speaker 4: they're gone on. So what I would like is, Bob,
Speaker 4: can you go out there look at what's going on
Speaker 4: and give him some ideas on how to fix it properly.
Speaker 23: Well, yeah, let me tell them, Mark, I know exactly
Speaker 23: what they did. This happened three times this year. What
Speaker 23: they do is they put.
Speaker 15: This painting coating on it.
Speaker 23: There is no ceiler you can put to fix that.
Speaker 23: And if they did anything besides that, they were to
Speaker 23: put a they were putting over overlays don't work, and
Speaker 23: I know they didn't do that because it wouldn't crumble
Speaker 23: that quick. So they'll probably put those paintings and that
Speaker 23: would help fill it in. And then yeah, you're you're
Speaker 23: you're probably the worst part of it. But they couldn't
Speaker 23: even put the coating down if it was too wet.
Speaker 4: I don't think it was too wet. But let me
Speaker 4: tell you, I left a pig. I left an important
Speaker 4: part out. I think, Bob, Hey, Len, you said it
Speaker 4: looked pretty good for how many days?
Speaker 12: Right? So I don't know exactly what the pro or
Speaker 12: something like that.
Speaker 4: Pro sem I know what hey, Bob, can you go
Speaker 4: out there and evaluate the situ. Call back in and
Speaker 4: let's get some ideas.
Speaker 23: Number, give him my number, have him call me and
Speaker 23: I'll where's you live at Aurora? Yeah, just call and
Speaker 23: I'll go out to look at it. I already know
Speaker 23: the answer I might give him, but I'll be glad
Speaker 23: to go look out.
Speaker 4: I'd appreciate that.
Speaker 18: Man.
Speaker 4: Thank you, Bob. That's Bob with l em Landscaping. You
Speaker 4: can call Bobby does Cement of course Landscaping retaining Walls.
Speaker 4: You get the idea three oh three, five six four
Speaker 4: ninety one oh four or on a referral list at
Speaker 4: referral list dot com. Now lend real quick. What I
Speaker 4: want to tell you is give him a call, have
Speaker 4: him come out. He'll give you a bid. And if
Speaker 4: we can somehow get these guys, if you can point
Speaker 4: out where to look for him, I mean, I'll send
Speaker 4: someone out to go confront him and ask them why
Speaker 4: they're not answering the phone. But every number you gave
Speaker 4: us has been disconnected.
Speaker 12: Yep.
Speaker 4: That sucks, It really sucks. But Len, let's let's see
Speaker 4: if we can't get you fixed up. Man, let us
Speaker 4: know what Bob says, when he gets out there, and
Speaker 4: I'm going to put you on hold, and Kelly's going
Speaker 4: to give you his number to call him right now. Okay,
Speaker 4: all right, thanks Bob, all right, I'm sorry, thanks Lenn. Okay,
Speaker 4: three oh three seven one three eight two five five.
Speaker 4: We'll have one line open in a second. Dale has kudos,
Speaker 4: kudos for Matt at Paragon. Then I got to take
Speaker 4: a break, Dale. What did Matt do for you?
Speaker 2: Hey, Mark, can you hear me?
Speaker 4: Okay, I got you, Bro.
Speaker 2: I'm driving so hopefully there's not too much road noise.
Speaker 2: But yeah, I've been listening to you and Tom for years,
Speaker 2: and I've heard you guys talked about Matt at Paragon
Speaker 2: and finally had a need for him. We had an
Speaker 2: insurance claim on that last big hailstorm last year, and
Speaker 2: just like you were.
Speaker 4: Saying, Hey, hold on, hold on, I got to tease this.
Speaker 4: Hold on, Dale, let me ask you one question. Then
Speaker 4: I got to take a break. Dragon's ready to kill me.
Speaker 4: But let me ask you this. What was the initial
Speaker 4: amount your insurance company offered you?
Speaker 2: About forty thousand?
Speaker 4: Hold on? That's all I want. I wanted to know.
Speaker 4: I put them on hold. Three oh three Martino.
Speaker 14: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 14: dot com. You don't pay a cent until you're content
Speaker 14: than time for an insurance checkup free, no obligation. Comparison
Speaker 14: call Compass Insurance paying too much your coverage at dozens
Speaker 14: of insurance companies find out now three oh three, seven
Speaker 14: to seven to one help. You'll think you're his only
Speaker 14: customer when you choose Frank durand the real estate Man
Speaker 14: dot com to list your home with Remax Alliance three
Speaker 14: oh three nine two zero sixteen twenty two.
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Speaker 4: do rapid installations. Maybe you got people coming to town.
Speaker 4: But if you want that free look right now, they'll
Speaker 4: come out to tell exactly how much you're looking at
Speaker 4: they'll give you an estimate right there on the spot.
Speaker 4: They're great people. They're on a referral list at referral
Speaker 4: list dot com. Renew home Innovations dot com. Call before
Speaker 4: the end of the month. Though, that's a real deal.
Speaker 4: Fifty percent off installation, labor and really a new bathroom
Speaker 4: for less than a hundred bucks. What do they say,
Speaker 4: a cup of coffee a day. Well, that's a heck
Speaker 4: of a lot less than Starbucks every day. Renew home
Speaker 4: Innovations dot com. Now, man, we have got just a
Speaker 4: ton going on here. Oh, we got to finish up
Speaker 4: with Dale. Dale called in to give Matt with Paragon Services.
Speaker 4: Matt's in studio with me. Same with Mark Schamansky. We
Speaker 4: got Brian with Compass Insurance. We got doctor Joel with us.
Speaker 4: We've got a packed house today. So here's the bottom line.
Speaker 4: This guy called in because he uses Matt. Matt's a
Speaker 4: public adjuster. When you have a claim with your insurance
Speaker 4: call company, they have their own adjuster. Matt becomes your
Speaker 4: adjuster and fights for you. So Dale, you told me
Speaker 4: that your insurance company first offered you roughly forty thousand dollars.
Speaker 4: You've listened to the show for years, and you have
Speaker 4: heard me say every good thing you can imagine about Matt.
Speaker 4: In a circumstance like you were in, I assumed you
Speaker 4: reached out to Matt after they said forty grand I did?
Speaker 4: And what kind of damage did you have? Was it
Speaker 4: a hailstorm?
Speaker 23: It was?
Speaker 2: It was a hailstorm. I was it May of last year?
Speaker 15: Matt?
Speaker 4: Or I'm sorry? Yeah, Matt? Do you remember Dale? Is
Speaker 4: this that you need a last name on?
Speaker 7: No? I know Dale?
Speaker 6: Well?
Speaker 5: Yeah, you do know him?
Speaker 17: Well?
Speaker 4: Absolutely Dale? How much? I'm not going to let Matt
Speaker 4: say it, but the initial forty thousand the insurance company
Speaker 4: wanted to give you for the hell damage? How much
Speaker 4: did it end up being when everything was done?
Speaker 2: I believe it ended up at a little over one
Speaker 2: hundred and twenty thousand dollar three times?
Speaker 18: Matt?
Speaker 4: Is that right? I mean, do you recall that's about
Speaker 4: right now? Now, here's what I want people to understand.
Speaker 4: And I can sit here and say this a million times.
Speaker 4: Insurance companies don't adjust up. They had an adjuster go
Speaker 4: out there, and their adjuster saw forty thousand dollarsand damage.
Speaker 4: He hired Matt to be his adjuster and Matt saw
Speaker 4: one hundred and twenty thousand dollars in damage. Now, isn't
Speaker 4: that mind boggling? If it's not done on purpose, Matt,
Speaker 4: what is it done by? I mean, really think about that.
Speaker 4: You know, if you said forty five thousand, anybody could
Speaker 4: argue some supplemental claims. But when you go from forty
Speaker 4: thousand dollars to one hundred and twenty, if you recall
Speaker 4: what's going on here or this particular client, I would
Speaker 4: like to know how you got it from forty to
Speaker 4: one hundred and twenty as quick as you can say it.
Speaker 7: It was a lot of different stuff.
Speaker 11: Some of it was personal property, some of it he
Speaker 11: had detached structures that weren't addressed. You know, these are
Speaker 11: it's a log home and a log out building, very
Speaker 11: nice property. Typically with these they just go out and say, yeah,
Speaker 11: we see roof damage here, you go and walk away.
Speaker 4: And most people and most people have no idea to
Speaker 4: engage with a public adjuster.
Speaker 7: Right right.
Speaker 11: So it was just a matter of getting all of
Speaker 11: the exterior stuff accounted for, all on the elevations of
Speaker 11: the home. And you know, like I said, some of
Speaker 11: the personal property, a lot of tarks got damaged.
Speaker 4: Dale when they came out and said forty thousand dollars
Speaker 4: and looked at it. Did they talk about your outbuildings,
Speaker 4: did they talk about your personal property?
Speaker 5: Or they just said this is how much damage you have?
Speaker 2: They just said the roof is the only damage there
Speaker 2: is on this property.
Speaker 4: Forty two, one hundred and twenty thousand Dale. I appreciate
Speaker 4: you calling in and I'm sure Matt does. I mean
Speaker 4: he's a walk out. Thank you, Daryle appreciate it.
Speaker 2: Yeah, thank you, Matt. I appreciate everything you did for us.
Speaker 23: Keep up the good work.
Speaker 2: Mark.
Speaker 5: Hey, thanks man, I love that. Guys.
Speaker 4: I can't do it, Brian, I want to get you
Speaker 4: on real quick. Brian burns. Compass insurance. Let me tell
Speaker 4: you what Compass does. They shot my insurance every year,
Speaker 4: every year. My automotive. They shout my homeowners, they shot
Speaker 4: my RV, they shopped my motorcycle, they shot my kids
Speaker 4: renters policy, My god, is that all of them? Or
Speaker 4: do you shop more for me? Oh my trailer umbrella?
Speaker 4: Did you say umbrella? Oh no, I didn't say umbrella.
Speaker 4: They shot my umbrella with what thirty companies?
Speaker 24: Yeah, in the current market, less than that but yeah,
Speaker 24: you're probably closer to ten to twelve in today.
Speaker 4: Elaborate on that. What you mean is there's a lot
Speaker 4: of companies that decided not to write homeowners or anything
Speaker 4: in Colorado.
Speaker 24: Yeah, a lot of companies have gone on pause in
Speaker 24: Colorado and in some other states too, but specifically Colorado
Speaker 24: where they don't want new business. They've said no new
Speaker 24: business at all. So it's as hard of a market
Speaker 24: is there a term as I've ever I've been doing
Speaker 24: this for thirty years, I've never seen it like this.
Speaker 5: This is all they're losing money.
Speaker 24: Yeah, yeah, I mean, and I look at my own accounts,
Speaker 24: different companies that I have books of business with, and
Speaker 24: I can think of one that this year we're running
Speaker 24: a three to ninety, which means for every dollar they collect,
Speaker 24: they're paying out three dollars and ninety cents.
Speaker 5: Oh my god.
Speaker 23: You know.
Speaker 24: Yeah, these relationships with these these and we're not alone.
Speaker 4: But that's why that's why coverage in general is changing
Speaker 4: as well.
Speaker 5: Yeah, it wasn't.
Speaker 4: I mean, it wasn't that long ago where no one
Speaker 4: ever heard of a percentage of your main dwelling would
Speaker 4: be your deductible or or an ACV account for a roof.
Speaker 5: I mean, really.
Speaker 4: They're they're fairly new, or they might not be new,
Speaker 4: but now they're more common than anything. Well, now they're
Speaker 4: not even a choice.
Speaker 14: You know.
Speaker 24: That's that's all there is out there. I mean, there's
Speaker 24: a couple carriers they're still off right, But and that
Speaker 24: was my point even talk you know here here in
Speaker 24: Matt talk as well. It's there are companies that pay
Speaker 24: better than others. I'm not crazy to think that. Yeah,
Speaker 24: but when you're getting quotes out to customers, a lot
Speaker 24: of times they don't want to pay the higher expense
Speaker 24: to be with one of those carriers.
Speaker 4: Because Chubb, Chubb probably gives no problems, but I mean
Speaker 4: that's a certain client.
Speaker 24: Tele Yeah right, I've got a company that I just
Speaker 24: they pay better than anybody I see. I don't know
Speaker 24: if you deal with them ever, But Acuity is a company,
Speaker 24: Matt said, Acuity, Acuity.
Speaker 4: He said the worst he deals with is American family.
Speaker 4: An American family. Aren't they their own?
Speaker 24: I mean, yeah, they're a captive, so I don't deal
Speaker 24: with them. But like, Acuity doesn't even take out depreciation
Speaker 24: half the time, So most carriers will depreciate and then
Speaker 24: it's called recoverable depreciation.
Speaker 4: I get it, but you're paying for that, but your
Speaker 4: your premiums are higher.
Speaker 24: But you know, and I understand people are already paying
Speaker 24: a fortune. They're like, I don't care, I want something
Speaker 24: cheaper at the claim time they don't.
Speaker 4: But that's why I always say that, that's why guys like
Speaker 4: you a Compass are so important because you don't just
Speaker 4: shop one company. Something I learned from you when our kids.
Speaker 4: You know, Miles is twenty four now, when he turns sixteen,
Speaker 4: I called you up and you had us with I
Speaker 4: don't know if it was Progressive SAFECode, who knows it
Speaker 4: at the time, but we had our auto with somebody.
Speaker 4: But when we started putting young drivers on, you said, whoa,
Speaker 4: whoa whoa Progressive is going to be way too high
Speaker 4: or whatever it was. And you reshop companies that specialized
Speaker 4: in young drivers. So all of a sudden, you saved
Speaker 4: this a fortune. Just like that. The other thing we've
Speaker 4: done with them guys and you guys are business people.
Speaker 4: He can go out there and shop all the business
Speaker 4: policies right here. We had employees here for a while
Speaker 4: years ago on TSN, and we had worker Pinnacle. Yep.
Speaker 4: We had Pinnacle when I had my good years in
Speaker 4: computer stores. Honest to god, I thought the only thing
Speaker 4: you could buy was Pinnacle. I mean really I did.
Speaker 4: And with my industry codes, especially in the automotive, the
Speaker 4: rates were probably better with Pinnacle than anybody else. But
Speaker 4: we switched from Pinnacle here TSN Troubleshooter Network and went
Speaker 4: with I think it was hard for wasn't it Hartford? Yeah?
Speaker 4: It was. It was like fifty percent cheaper. Yeah.
Speaker 5: I didn't even know that was a thing man.
Speaker 4: But it really depends, once again, what classification the business
Speaker 4: is in.
Speaker 24: He knows who to shop for that class Yep. This
Speaker 24: circumstance change the companies that we would recommend change.
Speaker 4: Sure Compass Insurance. Go to Compass insurance dot com. If
Speaker 4: you have your deck page, you send it over there.
Speaker 4: They're going to shop everybody when that renewal comes, even
Speaker 4: if it's tied in with your mortgage. Listen, you can
Speaker 4: switch that. That's not up to your insurance company. And
Speaker 4: then people out there that don't realize they're underinsured right now,
Speaker 4: those are the ones I feel bad for. How many
Speaker 4: people Brian in the Boulder fire. The Boulder County fire.
Speaker 4: How many the percentage of people were underinsured?
Speaker 5: Listen to this.
Speaker 24: It was ninety ninety two percent of all people.
Speaker 6: Is what that was?
Speaker 4: Fund number insured? They lost their ass Rachel Troy, heyeseuss,
Speaker 4: hang tight, you're next. Look we've got a ton going
Speaker 4: on next hour. Listen, Rachel Troy Hey, sues Leah. I
Speaker 4: really appreciate you guys holding on. I promise we'll get
Speaker 4: to you. We'll try to solve your problems, and we've
Speaker 4: got a lot.
Speaker 5: More to come. Simple as ad.
Speaker 4: Don't forget Frank Duran, the real estate man, the best
Speaker 4: guy out there. He saved us our fortune.
Speaker 5: He made his money on our house.
Speaker 4: If you want the best out there, check out Frank
Speaker 4: Duran homes dot com. We'll be back in a second.
Speaker 14: Go with a sure thing Denver's best rufer Excel roofing
Speaker 14: dot com.
Speaker 4: You don't pay a.
Speaker 15: Cent until you're contenth.
Speaker 14: Please time for an insurance check up free, no obligation.
Speaker 14: In comparison call Compass insurance paying too much your coverage
Speaker 14: at dozens of insurance companies find out now three O three,
Speaker 14: seven to seven to one help. You'll think you're his
Speaker 14: only customer when you choose Frank durand the real estate
Speaker 14: Man dot Com to list your home with Remax Alliance.
Speaker 14: Three oh three nine two zero sixteen twenty two.
Speaker 1: Ripped off, so you don't help, come running as fast
Speaker 1: as we can. Shooter's gonna help, coming man.
Speaker 5: This is the Troubleshooter Show.
Speaker 4: No Tom Martinez, Welcome my friends to the only show
Speaker 4: of is camera here to solve problems, answer questions, take complaints.
Speaker 4: My goal, our goal in life is to make your
Speaker 4: life better. If you have been ripped off, if you
Speaker 4: have been taken advantage of, if you want to expose
Speaker 4: a bad guy and help other people, this is the
Speaker 4: show for you. Over three hundred million dollars in cash, merchandise,
Speaker 4: exchanges and refunds directly due to this show. Three h
Speaker 4: three Martino. That number works all the time. Please write
Speaker 4: it down. Tell your neighbors. Maybe you're in the grocery store.
Speaker 4: He's dropping. Someone got ripped off by a room for
Speaker 4: Tell him three oh three Martino. Tap him on the shoulder,
Speaker 4: say three oh three Martino. Tell him help At Troubleshooter
Speaker 4: dot com. We like helping people. That's what we do. Now.
Speaker 4: We got a lot cooking Doctor Joel Cherdak and I
Speaker 4: promise I'm gonna go to the calls. I do have
Speaker 4: a question for you though. It's kind of funny the
Speaker 4: weight loss drug. And I don't know what this means.
Speaker 4: They said, doesn't one drug work a lot better than
Speaker 4: the other? Which one does he use? Maybe you can
Speaker 4: shed light on that.
Speaker 8: I think what they're probably referring to is sameglotide versus terzeppatite.
Speaker 8: So sameglotite is what's in ozempic and uh wa goovi
Speaker 8: and trezeppatite is what's in manduro do.
Speaker 5: They all work the same way for weight loss.
Speaker 8: They're all in the same class of drugs. GLP one
Speaker 8: is what they're called. Uh The tur zeppetite does seem
Speaker 8: to be a little bit more effective, particularly for people
Speaker 8: who the samegotite's not working for It seems to have
Speaker 8: less side effects for people that have side effects with cemeglotide.
Speaker 8: It's a little bit, you know, I would say maybe
Speaker 8: a cleaner drug. They both work, you know, they both
Speaker 8: work great. The trezepetide. We have a lot of patients
Speaker 8: that have moved have moved off cemeglotide on tser's appetide.
Speaker 6: It's just it.
Speaker 8: It is a little bit of a higher quality drug.
Speaker 8: It's also more expensive.
Speaker 5: How much more so?
Speaker 4: I know, like so megutide, you guys charge two hundred
Speaker 4: and seventy five bucks a month. That includes the initial visit,
Speaker 4: whether it's by zoom in person, however, the doctor's visit
Speaker 4: their prescription. Then you ship them the injections.
Speaker 6: Each week monthly.
Speaker 5: They get the monthly and they take them weekly.
Speaker 6: They take it weekly.
Speaker 4: So they're all in for two hundred and seventy five
Speaker 4: bucks a month.
Speaker 8: Right, we make two months at the front, but then
Speaker 8: it's to seventy five.
Speaker 6: It doesn't matter, it's still to seventy five month.
Speaker 5: Yeah, think about that. It's like the car wash. I've
Speaker 5: always done the math.
Speaker 4: We have the all you can eat car wash. Yeah,
Speaker 4: you basically you pay thirty bucks one time, or you
Speaker 4: pay thirty five bucks and you can go through every
Speaker 4: single day. I mean, it's crazy. Two hundred seventy five
Speaker 4: bucks for this. Now, how much more is that other drug?
Speaker 4: And what's it called again, it's hepatize called tur zepetide,
Speaker 4: and that's for seventy five a month, for seventy five
Speaker 4: So it does cost more, but other people have that
Speaker 4: for how much a month? Two thousand?
Speaker 8: I mean it's it's at least fifty percent less than
Speaker 8: the brand name drugs.
Speaker 4: And anybody out there correct. And you guys have your
Speaker 4: own pharmacy, they compound it.
Speaker 5: You do everything.
Speaker 8: We work with with us with like three different compounding pharmacies.
Speaker 8: So depending on where the order's coming from, where we
Speaker 8: needed to fill it from, and timing, we decide which
Speaker 8: compounding pharmacy to use.
Speaker 6: But all of their products are.
Speaker 5: Now I want to get a little weird here.
Speaker 4: Who wouldn't you prescribe it to Let's say you have
Speaker 4: a consultation with someone and they walk in and they
Speaker 4: want to lose weight, and they're one hundred and thirty
Speaker 4: pounds five six, I mean, you're not going to prescribe it.
Speaker 8: No, if their BMI is to the point where they're underweight,
Speaker 8: then that would be a red flag.
Speaker 5: That was that was my question.
Speaker 4: So there is what is generally the criteria of people
Speaker 4: responding to what you guys are doing. In other words,
Speaker 4: are they fifty pounds overweight, ten pounds overweight, or just
Speaker 4: a hodge podge?
Speaker 3: Uh?
Speaker 8: You know, we get people anywhere from wanting to lose
Speaker 8: you know, five to ten pounds over the course of
Speaker 8: a month or two to people that are one hundred,
Speaker 8: you know, one hundred or more pounds overweight.
Speaker 4: What's your biggest success story in the past year. I'm
Speaker 4: talking weight like a guy that was four hundred now
Speaker 4: he's three hundred.
Speaker 8: We have a number of patients that have lost thirty
Speaker 8: to forty percent of their weight. Thirty to forty percent, yes,
Speaker 8: and so it's better to describe it that way. Of course,
Speaker 8: it is because that you know, that encompasses our entire.
Speaker 5: Patients the third of a person man, right, you know.
Speaker 8: And once people reach their vehicles, we're not pushing them
Speaker 8: to continue like they can they can stop it. We
Speaker 8: don't lock them into a year program. They can stop
Speaker 8: at any times.
Speaker 4: They do continue with good habits, diet, exercise, they would
Speaker 4: keep it off right, right, And we have a lot
Speaker 4: of people struggle with that part too, right.
Speaker 8: And we have a number of patients that they're they're
Speaker 8: with us for a few months and then they're not people.
Speaker 5: If people reach out to you right now, Denver reach
Speaker 5: in dot com, they go.
Speaker 4: To the way say call up.
Speaker 6: Yeah.
Speaker 4: So when they talk to you, they can ask whatever
Speaker 4: questions there's no cost to that. No, you guys will
Speaker 4: explain the whole plan, what it'll do, what to expect, everything, right.
Speaker 8: They'll speak with Ty who's our patient coordinator. He will
Speaker 8: answer every question they have. If they fill out their paperwork,
Speaker 8: they decide that it's good for them, then our medical
Speaker 8: doctor will review it.
Speaker 6: Our medical doctor.
Speaker 8: Will reach out to them and speak to them personally
Speaker 8: and answer questions as well.
Speaker 4: I just thought of something, now, this has nothing to
Speaker 4: do with Suzanne and Suzanne's underweight. I was thinking if
Speaker 4: a husband or a boyfriend got this for their significant
Speaker 4: other girlfriend, would that be a good or bad thing?
Speaker 4: That's what I say. I immediately thought that would be
Speaker 4: a bad thing.
Speaker 23: Right.
Speaker 6: The youngest you'll treat, you do that.
Speaker 20: What's the youngest you treat?
Speaker 22: Will you treat a teenager whose parents are bringing them in.
Speaker 8: Because they're I mean, if they're if they're obese, if
Speaker 8: they fit in the open east category and their parents
Speaker 8: come in with them and sign as a guardian, and
Speaker 8: absolutely we would do that.
Speaker 4: Yeah.
Speaker 8: But you know, when we start to talk about young
Speaker 8: people like that, we really really needs to be a
Speaker 8: health issue, not an aesthetic issue.
Speaker 12: Yeah.
Speaker 4: Well, going back to what I was saying, though, have
Speaker 4: you ever had someone by like a gift certificate? Or
Speaker 4: do you have a Valentine's Date special?
Speaker 8: You know, you're giving me some good ideas, but we
Speaker 8: haven't done anything like that yet. I mean, and you know,
Speaker 8: obviously the patient has to go through the process, so
Speaker 8: it can't be like a surprise.
Speaker 12: Really.
Speaker 4: Yeah, See, I argue with gifts with Martine all the
Speaker 4: time because I mean, Susanne, you know, he laughs that
Speaker 4: I got her uh cook wear? He goes, oh, he
Speaker 4: gets you pots and pans? Worst, you know, worst gift
Speaker 4: giver either. Do you not love your maiden pans?
Speaker 21: I love the mark?
Speaker 5: God, that didn't even sound good.
Speaker 4: What about the Walgreen steak that he used to get?
Speaker 6: Shut up? All right?
Speaker 5: Three O three seven one three A two five five?
Speaker 4: Rachel? What is going on with you? And then Hey
Speaker 4: sus you're up next? Rachel. I can't hear a word
Speaker 4: you're saying, Kelly, we got to fix that. I mean,
Speaker 4: I felt like I was in a Peanuts cartoon there
Speaker 4: for a minute. Hey sus, what's going on with you?
Speaker 4: Hey sus I'm getting a complex, gentlemen, Hey sus he's
Speaker 4: been holding so long I'm gonna give him one more three.
Speaker 17: Two.
Speaker 4: Hey, sus hey, sus hey, sus I dumped.
Speaker 13: That one there.
Speaker 5: I'm not gonna dump it, but I'll put on hold. Kelly,
Speaker 5: you got two to shake down.
Speaker 4: Leah? What's going on with you? Leah?
Speaker 22: There is no Hi Leah?
Speaker 4: Hi Leah? How are you like princess?
Speaker 10: Leah?
Speaker 14: Yeah?
Speaker 5: No kidding?
Speaker 4: What's going on? You've got a question on an insurance claim?
Speaker 4: What's happening?
Speaker 22: We have just been through it, Tom. It has been
Speaker 22: a doozy of a year for my family. First, we
Speaker 22: had last year. We had hail. We had hail that
Speaker 22: hit our roof in May of last year was a
Speaker 22: big month. Yes, yes, it was caused damage to our roof,
Speaker 22: requiring a full roof replacement as well as a kind
Speaker 22: of interior damage.
Speaker 4: So Leah, at that point in May, did you file
Speaker 4: a claim and it looks like you have state farm.
Speaker 2: Correct?
Speaker 4: And did you get the roof do farm? Yes?
Speaker 22: So initially I started working with a roofing company who
Speaker 22: said that they would you handle the claim, you know,
Speaker 22: get everything taken care of, and that I was in
Speaker 22: good hands essentially, And luckily my neighbor saw that my
Speaker 22: roof was tarped and said, hey, you know, I want
Speaker 22: to recommend that you hire a public adjust named Matt
Speaker 22: with Tarragon Services. So thank god for my neighbor.
Speaker 19: Janet who recommended that.
Speaker 4: I you know, I'm starting to think Matt before he
Speaker 4: came in has some plants going on here. This will
Speaker 4: be the second time we've had a call on Matt
Speaker 4: when he's sitting next to me. So initially, I want
Speaker 4: to ask you this lay Initially, when you had the damage,
Speaker 4: how much did State Farm offer you the initial amount?
Speaker 22: Well, so here's where it gets squirrely is that the
Speaker 22: roofing company was handling all.
Speaker 19: Of that on Mighty Path.
Speaker 22: Yeah, and they essentially were just getting you know, the
Speaker 22: coverage for the roof, not really addressing all of the
Speaker 22: interior damage.
Speaker 4: So did they try out, did they try to keep
Speaker 4: the money for the interior damage or they just never
Speaker 4: addressed it.
Speaker 22: They tried to sink us up with a subcontractor that
Speaker 22: was just going to do like a paint patch over
Speaker 22: pretty pretty nasty interior damage to our ceilings, got it.
Speaker 22: So the money was very minimal for that. And also
Speaker 22: our home was built in the sixties, so we have
Speaker 22: asbestos and my husband and I we have a little baby,
Speaker 22: and the asbestos portion was never really addressed by the
Speaker 22: rousing company and it was not even you know, really
Speaker 22: brought up. But we had an asbestos still in our
Speaker 22: home which we weren't really aware of at the time.
Speaker 22: So luckily, when our neighbor you know, advised us to
Speaker 22: contact a public adjuster, we got in touch with Matt.
Speaker 22: Then we learned, okay, we have to test these feelings
Speaker 22: for asbestos.
Speaker 4: Course now we have a baby. But where does it
Speaker 4: go from there? I mean I need to push this
Speaker 4: down the road a little bit. So Matt got involved,
Speaker 4: right And then then.
Speaker 11: Matt is, oh, yeah, I talked to Leo almost every day.
Speaker 11: She had two claims hail claim and then our sewer
Speaker 11: backed up. Oh we were paying and both claims. Trying
Speaker 11: to get State Farm to walk the line, a bunch
Speaker 11: of different contractors in and out.
Speaker 7: She has just been through absolute hell with this whole
Speaker 7: right now.
Speaker 11: So we've been passed around by State Farm, I don't know,
Speaker 11: probably or on maybe fourteenth or fifteenth adjuster. They have
Speaker 11: a team environment where they intercept calls. It's a pain
Speaker 11: to even get a human on the phone. And then
Speaker 11: when you do, you find out it's been reassigned. So
Speaker 11: we're just trying to get it finalized, but she is.
Speaker 22: Keep reassigning us. Tommy, just keep reassigning a different adjuster,
Speaker 22: pick hand down the road to somebody else.
Speaker 4: But Matt, you ain't hold on. I got to break here, Leah.
Speaker 4: But Matt, you handle all that for her. Phone calls
Speaker 4: are basically you me.
Speaker 11: And so this has literally been the worst one I've
Speaker 11: ever seen with State Farm. They just keep passing it
Speaker 11: over to somebody else, so.
Speaker 4: They not do they not trust what's going on? What's
Speaker 4: your goal?
Speaker 11: I don't think that they understand what's going on because
Speaker 11: it's two claims, you know, they just don't know what
Speaker 11: is associated with what versus the other.
Speaker 4: That's absolutely crazy.
Speaker 11: I mean it's almost time, you know, discipline. In most turn,
Speaker 11: I would get an attorney, right. I don't know if
Speaker 11: that fits lay a situation or not.
Speaker 4: It's hard. I mean then you're talking money man, right,
Speaker 4: I mean like real money or you could be.
Speaker 11: So the best thing I can do for now is
Speaker 11: just try to get a hold of a human over there,
Speaker 11: a manager, and get this thing wrapped up.
Speaker 5: For God, that's crazy.
Speaker 4: All right, everybody, hold tight, we got a lie of
Speaker 4: kick in three zero three Martina.
Speaker 14: Go with a sure thing Denver's Best roofer Excel Roofing
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Speaker 4: I got to finish up with dang it, I killed
Speaker 4: my call screener. I go, oh yeah with Leiah. So
Speaker 4: her problem is kind of it's kind of horrible. Honestly,
Speaker 4: she's got State farm insurance. She got Matt involved. How
Speaker 4: many months ago did you get into this? Matt, by
Speaker 4: the way, that's Matt Paragon Services on a referral list
Speaker 4: or referral list dot com.
Speaker 5: If you have a home claim.
Speaker 4: Matt is your adjuster fighting against the insurance company and
Speaker 4: their adjuster to get you what's actually Oh, go ahead, Matt.
Speaker 7: I've been fighting this for about eight months.
Speaker 4: And that's incredibly hard isn't it? And it's two different claims, right,
Speaker 4: and every time you call, basically, how many different adjusters
Speaker 4: with State Farm have you dealt with?
Speaker 7: I think we're well into the more than a dozen now.
Speaker 4: Is that something? Is that something they do on purpose
Speaker 4: just to keep it going?
Speaker 11: It feels that way. No, When it's just a straight
Speaker 11: hail claim, we're dealing with one issue straightforward, it's pretty straightforward.
Speaker 11: But when you're collect together about an entire house that
Speaker 11: needs addressed, and you know, when I stepped in, the
Speaker 11: first thing that caught my eye was that hail claim.
Speaker 7: They didn't address the asbestos at all.
Speaker 4: I brought her back up. I'm curious at this point, Matt,
Speaker 4: more than more than Lea is. I wonder if it's
Speaker 4: time to look into a attorney.
Speaker 11: Well, we're we're talking about that, and I think that
Speaker 11: once we figure out exactly what their position is and
Speaker 11: their determination if it's not favorable, we're going we're going around.
Speaker 4: How does that work when you're dealing with an insurance company? Though?
Speaker 4: What as they just keep putting you off? I mean,
Speaker 4: at what point do they have any is there any
Speaker 4: leverage with time? Or they can just drag their feet forever.
Speaker 7: Well, then you enter into the bad faith arena with
Speaker 7: delay and denial, and.
Speaker 4: Then you can get three times the amount.
Speaker 7: The judge agrees with that you can get three times the.
Speaker 5: Dam is that where this seems to be going.
Speaker 7: I would love for it to be that result.
Speaker 4: And then what's the reality of her getting an attorney
Speaker 4: at this point? I know, you know some that that's
Speaker 4: what they do is bad faith, that's this is this
Speaker 4: is their reign.
Speaker 11: So what Well, in her situation, I would say, we
Speaker 11: need an attorney that taken on contingency yep, no upfront retainer,
Speaker 11: no upfront any costs.
Speaker 4: And go after the triple.
Speaker 11: They go after the triple and they would have to
Speaker 11: analyze and interpret the policy and all the communication we've had,
Speaker 11: which is miles long, and then you know they would
Speaker 11: have to come back to us with a verdict on
Speaker 11: whether or not they would take a case.
Speaker 4: So, and you know people that will go through that
Speaker 4: initial step for for free, for free, right, Lay, I
Speaker 4: think that's where you go. I mean, fighting State Farm.
Speaker 4: Just the fact you've had twelve twelve different or a
Speaker 4: minimum of twelve different adjusters is insane.
Speaker 22: It's been insane, Tom, I don't understand how they continue
Speaker 22: to just pick it down the road to somebody else,
Speaker 22: and everybody seems so confused once they assign a new
Speaker 22: adjuster that I have to repeat myself. I think it's
Speaker 22: a tactic day all over again.
Speaker 4: I think it's a pure delay tactic. Let's do this.
Speaker 4: I want Matt to call you after. I mean, he's
Speaker 4: been helping you, and I assume he's been doing a
Speaker 4: great job. I mean, I realize he can't get state
Speaker 4: farmed do anything, but I mean I assume you're making
Speaker 4: the calls, Matt and doing everything you're supposed to.
Speaker 11: We've gotten a lot more money than she started with,
Speaker 11: and her house has been put back together.
Speaker 4: Let's go back to there real quick. So she started originally,
Speaker 4: you say around twenty.
Speaker 11: I think so LEO was twenty to thirty, and now
Speaker 11: we're up to almost sixty for the full.
Speaker 4: But she still has a ton of more damage.
Speaker 11: Well the damage mostly the house has been put back together.
Speaker 11: We're just waiting on checks, checks for her incurred costs,
Speaker 11: checks for what we thought was approved to contractors' bids
Speaker 11: that were paid less than just a bunch of different stuff.
Speaker 4: Okay, but at least she's back in the house in
Speaker 4: that part exactly.
Speaker 7: And I had to help her too with the live.
Speaker 22: Airbnb for months. Did they recoup that with our baby?
Speaker 4: Did you get her to recoup that?
Speaker 11: We were still working on an outstanding payment with that too.
Speaker 4: Oh see, that should be an easy one. It's x
Speaker 4: amount per day whatever the per diem or however they
Speaker 4: write it. Brian Burns compass. I mean typically your homeowners,
Speaker 4: if you're out of your house because of whatever, they
Speaker 4: pay a certain amount per day. No, it's not a
Speaker 4: per day. It's a lot of use.
Speaker 24: So yeah, they have to put you in a somewhere
Speaker 24: that would be kind of like your yeah, comparable to
Speaker 24: your home, but they pay for it. Yeah, but it's
Speaker 24: not like it's not like rental car insurance where it's
Speaker 24: a per day amount. It's it's a blanket amount. And
Speaker 24: a lot of them are unlimited coverage. Could be up
Speaker 24: to two and fifty thousand whatever it is. Yeah, a
Speaker 24: lot of policies it's a time limit twenty four months,
Speaker 24: twelve months, and well they rebuild or whatever, right, and
Speaker 24: some have dollar amounts, but a lot of them have
Speaker 24: gone to just unlimited it.
Speaker 4: I can't believe you're fighting just State Farm for that,
Speaker 4: let alone the other stuff. But that seems so cut
Speaker 4: and dry.
Speaker 11: It's been an absolute nightmare. I can't think of one
Speaker 11: other claim where I've had this much trouble.
Speaker 4: Well, Leah, let's do this. I want you. I want
Speaker 4: Matt to touch base with you after the show, and
Speaker 4: I think you need to start moving for an attorney.
Speaker 4: I mean, I really do. If he's willing to get
Speaker 4: everything together, package it up neatly for different attorneys to
Speaker 4: look at and see if they want to go forward
Speaker 4: with it. I think that's your next step. I mean
Speaker 4: I do. I there's not much more to say about it,
Speaker 4: so let's kind of leave it at that. Now, is
Speaker 4: Rachel back up? Rachel? What's going on with you? Rachel?
Speaker 4: I'm going to talk in Rachel's language, Rachel.
Speaker 18: Rachel.
Speaker 17: All right, A Rachel Kelly, can you hear me?
Speaker 4: Yes, Rachel, go ahead, Yes, Yeah.
Speaker 17: I took my car to this guy to fix it,
Speaker 17: and just because I had just bought it, bought it
Speaker 17: and uh, I have a lot of problems with my speech.
Speaker 4: I'm sorry, That's all right. I keep coming.
Speaker 17: It's in a calm of perfour months.
Speaker 4: Hey, Rachel, Rachel, let me ask some basic questions, and
Speaker 4: I'll let you finish. When did you buy the car
Speaker 4: and from whom?
Speaker 17: Okay, I bought it in April from a car dealer
Speaker 17: and he gave me a two years at mission on it.
Speaker 17: But I still took it to get that mission after
Speaker 17: I took the car out.
Speaker 4: So Rachel mission, Rachel? What was the name of the dealer?
Speaker 17: Oh, jeezus, I got it somewhere.
Speaker 4: That's right. If you don't have a test, fine, So
Speaker 4: you said he gave you a two years on the emissions.
Speaker 4: I don't understand what that means. Did he give you
Speaker 4: a voucher to go get an emission's? Uh inspection done?
Speaker 17: Here's admission test is supposed to be good for two years,
Speaker 17: for two.
Speaker 4: Years, okay. So when he sold you the car, he
Speaker 4: was saying the test was already done and it should
Speaker 4: be good for two years.
Speaker 17: Two years.
Speaker 4: Yeah, there, you're supposed to You're supposed to get in
Speaker 4: a missions test when they sell it to you. But
Speaker 4: let's let's keep going. So it had a current emission sticker, right, and.
Speaker 17: For two years good?
Speaker 4: Then worth?
Speaker 17: When I got off the Cardiff, well, I took it
Speaker 17: and it passed the test too. When I took it.
Speaker 17: I took it also, just to make sure. But then
Speaker 17: I took it too. It started going out on me
Speaker 17: sometimes when I was driving it, so I took it
Speaker 17: to to guy to fix it. He's a mechanic, and
Speaker 17: he took me for my car.
Speaker 4: What do you mean?
Speaker 23: Wait?
Speaker 4: Wait, wait, hold on, what do you mean he took
Speaker 4: you for your car? He's got the car now?
Speaker 16: No?
Speaker 17: I mean, well, what I meant if he took all
Speaker 17: the parts off my motor and wait.
Speaker 4: A minute, you brought it to him. Hold on, hold on.
Speaker 4: I realize you have some form of speech impediment or whatever,
Speaker 4: but you brought it to him to get fixed, because
Speaker 4: occasionally it would stop while you were driving it, right, yes, yes,
Speaker 4: And he started stripping it down in taking the parts
Speaker 4: off of it.
Speaker 17: He told me. I called him about three days later
Speaker 17: because he wasn't answering his phone, so I just went
Speaker 17: down there and he said, your car is good and
Speaker 17: it's working and it's ready to go. I said, look,
Speaker 17: I'm gonna drive two hours out of town. Is it
Speaker 17: gonna be okay? He said it's good. He said, your
Speaker 17: Catleca murders and everything good.
Speaker 4: Okay, So what happened. You got down there to get.
Speaker 17: It the car. Mm hmm. I took the car. I
Speaker 17: went about four miles and it went out on me.
Speaker 17: And when I was driving it, it was making a
Speaker 17: lot of noise, okay, and it was hard to.
Speaker 4: So you picked it up. He apparently fixed it, but
Speaker 4: he didn't. And the whole thing is a mess.
Speaker 17: It's a miss. And I called uh. I called uh, all.
Speaker 4: Right, hold on, hold on, I got to take this break.
Speaker 4: What I want. What I'm going to ask you the
Speaker 4: second week come back is you said at one point
Speaker 4: that he was stripping it and doing something with the parts.
Speaker 4: I'd like to get to there.
Speaker 14: Hold on, go with a sure thing Denver's Best roofer
Speaker 14: Excel Roofing dot com.
Speaker 15: You don't pay a cent until you're content.
Speaker 14: Time for an insurance check up, free no obligation comparison
Speaker 14: call Compass Insurance paying too much your coverage at dozens
Speaker 14: of insurance companies find out now three O three seven
Speaker 14: seven to one help. You'll think you're his only customer
Speaker 14: when you choose Frank durand the real estate Man dot
Speaker 14: com to list your home with Remax Alliance three all
Speaker 14: three nine two zero sixteen twenty two.
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Speaker 4: I'll let you know when the line's open. I'm going
Speaker 4: to go back to Rachel. Rachel had a problem with
Speaker 4: a mechanic. Here's as far as we got right now.
Speaker 4: She bought a car. I don't think it's got anything
Speaker 4: to do with that. She brought it to a mechanic
Speaker 4: because it was having trouble. She spent How much did
Speaker 4: you spend, Rachel with that mechanic before you picked it up?
Speaker 4: How many dollars?
Speaker 17: Well, I just had spent one hundred, but then I
Speaker 17: spent one hundred on the tow truck that takes back.
Speaker 4: Okay, wait a minute, so okay, that's fine. So you
Speaker 4: picked it up. He gave the guy a hundred bucks.
Speaker 4: He said it was fixed and there's still problems with it. Yeah,
Speaker 4: well that's not surprising. I mean, I like, an oil
Speaker 4: change is one hundred dollars now, but where are we
Speaker 4: at with it right now? I mean, I do want
Speaker 4: to sip you.
Speaker 17: He gave me a receipt from o'reivy Auto Park okay,
Speaker 17: and he said, your cardie's this, this, this, this, and
Speaker 17: I have the receipt right here, okay. And it came
Speaker 17: up to six thousand, four hundred and forty one dollars
Speaker 17: point twenty nine cents just for the part, he said,
Speaker 17: and you still have to pay the labor.
Speaker 4: Well wait did he do wait did he do all
Speaker 4: that stuff?
Speaker 17: No, he gave me a quote and he said, if
Speaker 17: you want me, okay, card for you, this is what
Speaker 17: I'm going to charge you.
Speaker 4: Okay, but you but wait wait you didn't you didn't
Speaker 4: have it done right? No, So what's the phone call about.
Speaker 17: Well, I went back to get my car and all
Speaker 17: the motor parts are missing to it.
Speaker 4: Okay, hold on, hold on, hold on, Rachel, tell me,
Speaker 4: tell me if I'm on the right path. He thought
Speaker 4: you were going to do the work, so he started
Speaker 4: stripping down the car. But you didn't authorize it. You
Speaker 4: weren't going to do it. You went to pick it
Speaker 4: up and it's all in pieces. Yes, And what does
Speaker 4: he say about that? Is he willing to put it
Speaker 4: back together?
Speaker 17: No, he's telling me I didn't do nothing to your car.
Speaker 4: Well, he's telling you all the parts were off of
Speaker 4: it when you brought it there, exactly.
Speaker 17: He just supposedly put it together.
Speaker 23: Supposed Yeah, he.
Speaker 4: Put something together. It's called you. What's this guy's name?
Speaker 17: His name is Raymond Reefe?
Speaker 5: And where is Raymond? What's a shop called?
Speaker 17: Uh? He works from home.
Speaker 4: Oh, I'm just like, I'm just so upset. I know
Speaker 4: I can tell hold on. I'm frustrated too, hold on,
Speaker 4: hold on, I'm sorry, I have to put you on hold. Kelly,
Speaker 4: pick her up, get Raymond's phone number, and let's give
Speaker 4: this to Deputy Doc to call over. Let's just have
Speaker 4: Deputy Dot call over there. Ask Raymond what's going on.
Speaker 4: Let's get his side to the story. I'm not going
Speaker 4: to go off the handle right now because I want
Speaker 4: to hear his side now. If this guy doesn't want
Speaker 4: to give a side to the story or hangs up
Speaker 4: on you, let me know I could easily change my mind.
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Speaker 4: And then I want to talk Mark Schamansky. He is
Speaker 4: with Genesis Total Exteriors. Mark, you've done work in my house.
Speaker 4: I always say this every time I see I love
Speaker 4: your painter. What's his name? Omar? Omar has been with
Speaker 4: Mark as an employee for like twenty years. He painted
Speaker 4: the entire exterior of our house years ago. It still
Speaker 4: looks as good as the day The day after he
Speaker 4: did it, and I know why you used a great
Speaker 4: paint and not only in a great prep and then
Speaker 4: of course a great painter, but he can do anything.
Speaker 4: He can do siding, they do roofing, they get involved
Speaker 4: in help out. The next person I'm going to talk
Speaker 4: about all the time, and that is Matt with Paragon Services.
Speaker 4: So when Matt goes out and he needs estimates, because
Speaker 4: a lot of roofers will say, hey, you have a
Speaker 4: roof claim. We're going to write you twenty grand for
Speaker 4: the roof. They neglect to tell you. And this is
Speaker 4: all insurance companies. They neglect to tell you about the deck,
Speaker 4: deciding the paint and everything else that goes into a
Speaker 4: hell claim. So he'll have Marco out look for that
Speaker 4: stuff and then and they'll fight your insurance company and
Speaker 4: get everything fixed instead adjusts the roof. So anytime you
Speaker 4: want to call Matt, Matt, what number do you want
Speaker 4: him to call?
Speaker 11: This?
Speaker 4: Seven nine seven two six zero two hundred's that's correct. Yeah,
Speaker 4: So any questions you have on a current claim that
Speaker 4: you have right now, or maybe you think the claim's closed,
Speaker 4: but it's been within the last couple of years and
Speaker 4: you're sick and tired of seeing damage. Then the last
Speaker 4: person I want to thank for coming in are Insurance
Speaker 4: Help Center Brian Burns. This guy can save you money.
Speaker 4: He'll shop twenty five companies. You go to Compassinsurance dot com.
Speaker 4: They can help you with your own insurance company. They
Speaker 4: can give you all kinds of advice. Everybody hanged tight.
Speaker 4: We've got a packed show tomorrow as well. My name's
Speaker 4: Mark Major and this is the Troubleshooter Network