WEBVTT 1 00:00:00.520 --> 00:00:06.040 Yeah, ripped tough. 2 00:00:07.480 --> 00:00:10.599 News, need advice when you don't have. 3 00:00:12.759 --> 00:00:15.160 Come, run in just as fast as we can. 4 00:00:16.440 --> 00:00:18.359 Shooter's gonna help come. 5 00:00:18.960 --> 00:00:24.399 Man Dix is the Troubleshooter Show. No Tom Martine. 6 00:00:24.800 --> 00:00:27.480 Hello, I'm Tom Martino. Welcome to the show. Three O 7 00:00:27.719 --> 00:00:30.399 three seven one three talk three oh three seven one 8 00:00:30.440 --> 00:00:33.880 three eight two five five. Here to help you do 9 00:00:34.000 --> 00:00:36.600 what solve problems, answer questions, take complaints, make your life 10 00:00:36.600 --> 00:00:37.280 a little easier. 11 00:00:37.280 --> 00:00:38.960 That's what we do each and every day. 12 00:00:39.439 --> 00:00:42.159 Forty five years, going strong, fifty years when you include 13 00:00:42.200 --> 00:00:45.799 other cities, and we love doing it. That's the important thing. 14 00:00:45.840 --> 00:00:50.799 Now I want to talk about a bike accident. I 15 00:00:50.840 --> 00:00:53.560 got my personal injury expert on and I will get 16 00:00:53.640 --> 00:00:56.000 him on right now, John Fuller to listen to this. 17 00:00:56.560 --> 00:01:00.320 And basically everyone has questions when they're injured out how 18 00:01:00.320 --> 00:01:02.240 they're injured. John will be happy to answer them. And 19 00:01:03.759 --> 00:01:07.719 Personal injuryco dot com is a great website to reach 20 00:01:07.799 --> 00:01:12.079 them at or to really find information. But John, let's 21 00:01:12.200 --> 00:01:14.879 let's listen to Nate. Okay, Nate, what's happening? 22 00:01:17.480 --> 00:01:22.560 Hey, Tom, So, I was on an electric bike and 23 00:01:23.680 --> 00:01:26.680 I cut through a parking lot that's on the corner 24 00:01:26.719 --> 00:01:31.760 of a major intersection, and I hit an object in 25 00:01:31.840 --> 00:01:34.439 the in the parking lot. There's a light pole that 26 00:01:34.599 --> 00:01:37.640 comes out a couple feet into the parking lot, and 27 00:01:37.640 --> 00:01:40.040 then they built this little rock wall around it, which 28 00:01:40.079 --> 00:01:44.079 is surrounded by a cement curb which seems unusually high, 29 00:01:44.239 --> 00:01:47.200 maybe a couple of inches. But it's in a really 30 00:01:47.200 --> 00:01:50.760 strange kind of place, it seems like. And I hit that, And. 31 00:01:51.079 --> 00:01:54.040 Now are you saying in a strange place? I need 32 00:01:54.079 --> 00:01:56.480 to know this? You cut through a parking lot, and John, 33 00:01:56.519 --> 00:01:58.120 there are a lot of principles I want to talk 34 00:01:58.120 --> 00:02:00.799 about in general on premises liability. By the way, John 35 00:02:00.799 --> 00:02:03.400 Fuller is our expert. We use all the time. Our 36 00:02:03.480 --> 00:02:06.760 number here three O three seven one three talk if 37 00:02:06.799 --> 00:02:08.960 you want to chime in, or three oh three Martino 38 00:02:09.039 --> 00:02:12.039 three O three six two seven eight four sixty six. So, Nate, 39 00:02:13.240 --> 00:02:16.960 you cut through a parking lot. Was this nuisance or 40 00:02:17.280 --> 00:02:20.919 hazard or whatever it was? 41 00:02:20.919 --> 00:02:23.000 Was it cloaked? 42 00:02:24.520 --> 00:02:24.680 No? 43 00:02:26.120 --> 00:02:28.840 Was it right out there for everyone to see? Are 44 00:02:28.879 --> 00:02:31.199 you trying to I just need a straight answer. Are 45 00:02:31.199 --> 00:02:37.280 you trying to make the case that it was dangerous? 46 00:02:38.919 --> 00:02:41.439 That would be my position in the whole thing. 47 00:02:41.520 --> 00:02:43.000 Yet, Okay, that's good. 48 00:02:43.039 --> 00:02:44.800 That's what I want to know. Now, why do you 49 00:02:44.919 --> 00:02:48.639 feel it's dangerous? And it is dangerous to a point 50 00:02:48.680 --> 00:02:54.360 where you or another cyclist could easily not see it. 51 00:02:54.919 --> 00:02:57.479 Yes, it's because so it's the same color as the 52 00:02:57.520 --> 00:02:59.599 rest of the parking lot. I'd have to say, there's 53 00:02:59.680 --> 00:03:02.280 no red or yellow. They didn't paint the curb a 54 00:03:02.280 --> 00:03:04.759 different color to make it stick out. 55 00:03:05.520 --> 00:03:08.520 And so when you hit the curb, When you hit 56 00:03:08.560 --> 00:03:10.439 the curb, what happened? 57 00:03:12.520 --> 00:03:13.680 So the bike. 58 00:03:15.479 --> 00:03:17.759 The curb was obviously too high for the bike to 59 00:03:17.800 --> 00:03:22.520 go over, and so that the bike just immediately hit 60 00:03:22.560 --> 00:03:24.439 the ground. And then I hit my knee and I 61 00:03:24.479 --> 00:03:27.000 completely obliterated my knee. I had to call an ambulance 62 00:03:27.039 --> 00:03:27.439 and everything. 63 00:03:27.479 --> 00:03:29.240 And how much injury do you have? 64 00:03:31.400 --> 00:03:34.280 Well, I had knee surgery last week, so I'm on 65 00:03:34.360 --> 00:03:36.439 crutches and all that stuff. 66 00:03:36.479 --> 00:03:38.159 Did your health insurance cover it? 67 00:03:38.960 --> 00:03:39.680 Yes? Yes? 68 00:03:40.240 --> 00:03:43.879 Did you talk to an attorney or anybody at the building? 69 00:03:47.360 --> 00:03:47.520 No? 70 00:03:47.719 --> 00:03:50.360 And I guess that's the rub. The building is a 71 00:03:50.599 --> 00:03:56.520 major a major, major player in the personal injury attorney. 72 00:03:56.919 --> 00:04:00.759 World, So well does he own the parking This major 73 00:04:00.800 --> 00:04:02.240 player own the parking lot? 74 00:04:03.479 --> 00:04:05.479 I would have to say, based on the size of 75 00:04:05.520 --> 00:04:08.280 the company, probably, but I don't know. I haven't looked 76 00:04:08.280 --> 00:04:08.719 into that. 77 00:04:09.159 --> 00:04:11.960 Well that's something. But let me say something, Nate. 78 00:04:12.360 --> 00:04:16.439 It doesn't matter who owns the property unless it's a 79 00:04:16.480 --> 00:04:19.439 government When it comes to personal injury, that makes a 80 00:04:19.439 --> 00:04:22.600 bit of a difference if it's a government entity. But 81 00:04:22.720 --> 00:04:25.680 we got a lot of things going on here. First, 82 00:04:25.720 --> 00:04:28.959 I'm going to ask John, we have damages, then we 83 00:04:29.040 --> 00:04:32.560 have the occurrence. But I had said this, John, and 84 00:04:32.600 --> 00:04:34.040 I want you to correct me if I'm wrong, and 85 00:04:34.040 --> 00:04:36.279 I'm going to let you run with this. But just 86 00:04:36.360 --> 00:04:43.639 because something happens, it doesn't automatically equal negligence or liability. 87 00:04:44.120 --> 00:04:46.079 So I want to start there. 88 00:04:46.079 --> 00:04:49.120 And then I want you to ask questions and see John, 89 00:04:49.160 --> 00:04:52.439 if you feel there is any way that Nate would 90 00:04:52.480 --> 00:04:59.079 have any kind of acclaim. Go ahead, John, Okay. 91 00:04:59.319 --> 00:05:02.439 So, first off, whose parking lot was this? 92 00:05:04.759 --> 00:05:05.959 Do you want me to say the name of the 93 00:05:06.000 --> 00:05:06.480 law firm? 94 00:05:06.720 --> 00:05:07.600 Yeah, it doesn't matter. 95 00:05:07.680 --> 00:05:10.600 Go ahead, Man, it's back at some shanker. 96 00:05:11.680 --> 00:05:13.639 Okay. 97 00:05:13.360 --> 00:05:17.120 So, first and foremost do they own the parking lot? 98 00:05:17.160 --> 00:05:20.199 That would be my question. And the reason why is 99 00:05:20.600 --> 00:05:26.360 that you know, in Colorado we have a non deligible 100 00:05:26.439 --> 00:05:31.920 duty that means that tenants don't. You know, you can't 101 00:05:31.959 --> 00:05:34.480 contract out of liability. So if I own the property 102 00:05:34.480 --> 00:05:37.519 and I lease it to that particular law firm or 103 00:05:37.519 --> 00:05:40.920 to any other person, I as the owner, still maintain 104 00:05:41.000 --> 00:05:44.560 responsibility for the condition of the property, even if there's 105 00:05:44.639 --> 00:05:48.120 a tenant or even a subtenant that ultimately has some 106 00:05:48.319 --> 00:05:52.000 responsibility as well. So the first step of any analysis 107 00:05:52.079 --> 00:05:54.959 is to figure out who exactly owns the property and 108 00:05:54.959 --> 00:05:57.759 that kind of stuff. The second step would be you 109 00:05:57.879 --> 00:06:02.040 as a trespasser or you know, at best, you weren't 110 00:06:02.079 --> 00:06:04.959 there to transact business, you weren't invited on the property, 111 00:06:05.279 --> 00:06:06.079 you weren't there. 112 00:06:05.920 --> 00:06:08.000 For any Does that make a difference, John. 113 00:06:07.879 --> 00:06:11.800 Warner, Absolutely, because your status on the property is what 114 00:06:11.959 --> 00:06:16.040 defines the duty that's owed to you by the landowner. Okay, 115 00:06:16.639 --> 00:06:19.879 so if you are there to transact business, that's the 116 00:06:20.040 --> 00:06:23.759 highest standard, and that's a new or should have known standard. 117 00:06:24.279 --> 00:06:27.480 If you're there as a licensee, which would be the 118 00:06:27.519 --> 00:06:30.800 next rung down, which is where you're there only for 119 00:06:30.879 --> 00:06:35.000 your own purposes, then the standard requires that they have 120 00:06:35.279 --> 00:06:38.879 actual knowledge of the dangerous condition, and that's a really 121 00:06:38.920 --> 00:06:42.120 difficult thing for you to prove that they knew not 122 00:06:42.399 --> 00:06:47.040 just about the actual you know, the actual you know, 123 00:06:47.560 --> 00:06:50.120 the format of the parking lot, but that it was 124 00:06:50.199 --> 00:06:53.360 a dangerous condition and that they you know, didn't do 125 00:06:53.439 --> 00:06:56.480 anything about it and stuff. But actual knowledge is a 126 00:06:56.480 --> 00:06:59.040 tough thing. But here's what I've seen in some other 127 00:06:59.120 --> 00:07:01.920 cases that I've had to not to handle hundreds of 128 00:07:01.959 --> 00:07:06.279 these cases, is that any deviation from the normal path 129 00:07:06.360 --> 00:07:10.079 that people are expected to take will sometimes result in 130 00:07:10.120 --> 00:07:14.680 a defense firm calling that a trespasser. That I mean, 131 00:07:14.720 --> 00:07:18.040 I've had it apply to even when a postal worker 132 00:07:18.120 --> 00:07:20.480 comes out of your house and cuts the corner across 133 00:07:20.519 --> 00:07:24.000 the lawn that that wasn't where they were designated to traverse, 134 00:07:24.240 --> 00:07:26.439 and therefore they were doing that on their own accord, 135 00:07:26.480 --> 00:07:29.759 and they were in effective trespasser. And that's the lowest, 136 00:07:29.920 --> 00:07:33.160 lowest standard of care. And so your status on the 137 00:07:33.199 --> 00:07:37.600 property absolutely dictates whether or not there's any hope of 138 00:07:37.680 --> 00:07:39.279 your recovering for this condition. 139 00:07:40.439 --> 00:07:43.199 Okay, so that's the first part. 140 00:07:43.360 --> 00:07:47.399 Right, So that looks like the pickens are swim right 141 00:07:47.439 --> 00:07:50.040 now for him, Well, it's not. 142 00:07:50.079 --> 00:07:53.360 A good starting place. You chose to cut across this 143 00:07:53.480 --> 00:07:56.800 parking lot on your own on the property, that is 144 00:07:56.920 --> 00:08:01.120 not for the public to traverse and and got injured, 145 00:08:01.160 --> 00:08:03.560 and so there has to be And in fact, in 146 00:08:03.639 --> 00:08:08.000 all of personal injury, there's always this looming issue of 147 00:08:08.079 --> 00:08:11.319 assuming the risk that when you take on a you know, 148 00:08:11.360 --> 00:08:14.040 when you choose to do something, you assume the risk 149 00:08:14.399 --> 00:08:17.120 that you may be injured in doing it. You know, 150 00:08:17.839 --> 00:08:20.519 an example may be running a red light or something. 151 00:08:20.560 --> 00:08:24.040 I mean, when you assume the risk, sometimes you lose 152 00:08:24.240 --> 00:08:26.839 and you have to bear some of the responsibility. So 153 00:08:27.639 --> 00:08:31.319 the comparative negligence issue in a premisis's liability case is 154 00:08:31.360 --> 00:08:34.480 great because a jorney will be asked to decide if 155 00:08:35.039 --> 00:08:38.679 if they think the landowner bears any responsibility, which I 156 00:08:38.720 --> 00:08:41.759 don't think is totally clear. They're also going to be 157 00:08:41.840 --> 00:08:45.840 asked to decide whether you should shoulder some of the 158 00:08:45.879 --> 00:08:49.960 responsibility by having cut the corner for your own benefit 159 00:08:50.399 --> 00:08:53.759 to do this little shortcut. So that's the other issue. 160 00:08:53.960 --> 00:08:57.440 To me, it sounds like, you know, it's something I 161 00:08:57.440 --> 00:09:00.799 wouldn't wish on anybody, but it sounds like something that's 162 00:09:00.799 --> 00:09:04.559 going to be incredibly difficult to prosecute under the Colorado 163 00:09:04.639 --> 00:09:06.080 Premis's Liability Act. 164 00:09:07.279 --> 00:09:11.039 Okay, okay, now, Nate, if you ever want to talk 165 00:09:11.080 --> 00:09:15.759 off the air to John. It's three oh three five 166 00:09:15.879 --> 00:09:19.759 nine seven forty five hundred and John's got a lot 167 00:09:19.759 --> 00:09:24.080 of information at personal injuryco dot com. Hey, John, I 168 00:09:24.159 --> 00:09:26.840 got a few questions for you. Thank you Nate for calling. 169 00:09:26.879 --> 00:09:30.360 I mean, as I said, don't let ever a phone 170 00:09:30.399 --> 00:09:36.480 conversation dissuade you from getting legal advice. John, I'm gonna 171 00:09:36.519 --> 00:09:38.720 I'm gonna play a game with you here. It's called 172 00:09:38.879 --> 00:09:46.039 rank the the the the chances or the ease or the. 173 00:09:45.960 --> 00:09:47.480 Yeah, I don't. 174 00:09:47.360 --> 00:09:53.360 Know, or the likelihood of collection on in general. Some 175 00:09:53.519 --> 00:10:02.480 things here premises liability, medical malpractice, trap accidents, product liability, 176 00:10:03.080 --> 00:10:07.720 or intentional torts. Intentional torts for those listening, someone walks 177 00:10:07.799 --> 00:10:10.399 up and punches you in the mouth. Okay, So what 178 00:10:10.440 --> 00:10:14.679 would you say of all of those, are the low 179 00:10:14.720 --> 00:10:18.320 hanging fruit the easiest to get, John? 180 00:10:18.360 --> 00:10:20.399 And I'm not saying that when you're easiest. 181 00:10:20.399 --> 00:10:23.120 I'm saying the easiest of those, providing you have everything 182 00:10:23.159 --> 00:10:23.879 in place. 183 00:10:25.720 --> 00:10:26.080 Okay. 184 00:10:26.240 --> 00:10:31.480 So the easiest, best likelihood of success is going to 185 00:10:31.559 --> 00:10:37.200 be your traffic accidents. The lowest likelihood of success is 186 00:10:37.240 --> 00:10:42.200 going to be your intentional torts, and the remainder of 187 00:10:42.279 --> 00:10:44.320 them are going to fall somewhere in the middle. I 188 00:10:44.320 --> 00:10:47.679 would say med MAU is probably you know, if you 189 00:10:47.799 --> 00:10:51.840 have a viable Medmouth case, then it's it's maybe fifty 190 00:10:51.840 --> 00:10:53.360 to fifty okay. 191 00:10:53.279 --> 00:10:55.559 Even with a viable case. Okay, got it. 192 00:10:56.080 --> 00:10:58.600 With a viable case. Yeah, I mean there's a lot 193 00:10:58.600 --> 00:11:02.480 of issues. There's many, many, many parties that tend to 194 00:11:02.879 --> 00:11:05.720 you know, get involved in a in a typical medmouth case, 195 00:11:05.960 --> 00:11:08.240 and you know, and so there's just a lot of 196 00:11:08.320 --> 00:11:14.440 variables in their product liabilities and the tough cases and 197 00:11:15.200 --> 00:11:17.840 it's the rare case that truly has the legs to 198 00:11:18.559 --> 00:11:21.440 you know, to to result in some sort of a 199 00:11:23.720 --> 00:11:27.639 you know, successful recovery and and you know, those are 200 00:11:27.679 --> 00:11:30.519 just tough cases. But I would say that the most 201 00:11:30.559 --> 00:11:34.480 streamlined would be a traffic accident. We have a presumption 202 00:11:34.600 --> 00:11:38.120 of liability in many cases where you know, for instance, 203 00:11:38.200 --> 00:11:40.919 if you're rear ended, the person that hits you from 204 00:11:40.919 --> 00:11:44.720 behind is presumptively at fault, and we're in a state 205 00:11:44.759 --> 00:11:48.519 where they require the at fault driver, although they don't 206 00:11:48.559 --> 00:11:51.200 always do it, there is a requirement that you know 207 00:11:51.279 --> 00:11:55.919 that people have insurance in their automobilevels, so you know, 208 00:11:56.080 --> 00:11:59.159 so you've got two out of the three main ingredients 209 00:11:59.679 --> 00:12:03.799 are in your favor. You know, an intentional tour, by contrast, 210 00:12:04.480 --> 00:12:08.240 is the worst because there's no way to ensure against 211 00:12:08.279 --> 00:12:11.639 an intentional act. So even if I had a gazillion 212 00:12:11.759 --> 00:12:14.759 dollars of liability coverage and I punch you in the face, 213 00:12:15.200 --> 00:12:17.440 there's not going to be any coverage for that because 214 00:12:17.480 --> 00:12:19.600 it was an intentional act and. 215 00:12:19.519 --> 00:12:21.679 It's hard to collect, is what you're saying, right. 216 00:12:22.600 --> 00:12:25.320 Or it couldn't be legal obligation of the insurie company 217 00:12:25.360 --> 00:12:25.799 to pay that. 218 00:12:26.480 --> 00:12:29.519 Got it John Fuller, by the way, and it's a 219 00:12:29.679 --> 00:12:33.159 personal injuryco dot com three oh three five nine seven 220 00:12:33.279 --> 00:12:41.120 forty five hundred more coming right up, Go with a 221 00:12:41.159 --> 00:12:44.600 sure thing Denver's best roofer Excel Roofing dot com. 222 00:12:44.639 --> 00:12:46.639 You don't pay a cent until you're content. 223 00:12:50.039 --> 00:12:53.240 Time for an insurance check up free no obligation comparison 224 00:12:53.360 --> 00:12:56.919 call Compass Insurance paying too much your coverage at dozens 225 00:12:56.919 --> 00:12:59.600 of insurance companies find out Now three oh three seven 226 00:12:59.720 --> 00:13:02.759 seven one help. You'll think you're his only customer when 227 00:13:02.799 --> 00:13:05.279 you choose Frank durand the real estate Man dot com 228 00:13:05.279 --> 00:13:08.440 to list your home with Remax Alliance three oh three 229 00:13:08.519 --> 00:13:17.679 nine two zero sixteen twenty two. Hey, Tom Martino here 230 00:13:17.759 --> 00:13:20.679 three oh three seven one three talk seven one three. 231 00:13:20.559 --> 00:13:22.639 Eight two five five. Hey, Paul, the. 232 00:13:22.600 --> 00:13:26.080 Waterman has this extraordinary special and I'm telling you a special. 233 00:13:26.159 --> 00:13:26.519 Okay. 234 00:13:27.080 --> 00:13:30.279 Normally a system for softening is thirty four hundred bucks 235 00:13:30.600 --> 00:13:33.360 a whole uh drinking water at the kitchen, saying triple 236 00:13:33.360 --> 00:13:37.639 filter reverse osmosis fourteen hundred. Now you get both for 237 00:13:37.799 --> 00:13:41.159 thirty one ninety five fully installed. I'm serious. It's the 238 00:13:41.200 --> 00:13:47.200 best opportunity ever. He has special incentives. Paul is at 239 00:13:47.360 --> 00:13:51.000 UH Waterpros dot net three O three eight six two 240 00:13:51.240 --> 00:13:52.320 five five five four. 241 00:13:52.639 --> 00:13:54.320 All right, Doc is on the phone now. 242 00:13:54.360 --> 00:13:56.240 And then we also have Excel Roofing with us in 243 00:13:56.279 --> 00:13:58.039 the house talking a little bit about roofing. But I 244 00:13:58.080 --> 00:14:00.840 want you to call about anything in the world. Plus 245 00:14:00.879 --> 00:14:04.519 I have things I want to talk about as well. Uh, Doc, 246 00:14:04.799 --> 00:14:07.480 what's going on? This is not Deputy Doc. This is 247 00:14:07.519 --> 00:14:10.279 someone called Doc. Hey Doc, what's happening? 248 00:14:11.480 --> 00:14:16.440 Good morning, Tom? Hey, this is what I've got. I 249 00:14:16.480 --> 00:14:21.759 want your take on this, Okay, man, Hey, how hey? 250 00:14:21.799 --> 00:14:25.200 How has been advertising this? The man who owns the 251 00:14:25.320 --> 00:14:29.200 company as Robert Shipley, The name of the company is 252 00:14:29.360 --> 00:14:30.759 Auto Value. 253 00:14:31.360 --> 00:14:34.080 Yeah, I heard the ad and I was I was 254 00:14:34.480 --> 00:14:37.720 curious about it because we have on the referral list 255 00:14:38.000 --> 00:14:42.519 Petty Details dot com or or diminished Value Experts. And 256 00:14:42.559 --> 00:14:45.840 when I heard these ads, I think, if they do 257 00:14:45.919 --> 00:14:47.639 what they say, that's a great service. 258 00:14:49.559 --> 00:14:53.759 Right now, I'm curious. So so his line, man, he'll 259 00:14:53.799 --> 00:15:00.720 give he gets you well diminished value after the accident 260 00:15:01.440 --> 00:15:05.440 the insurance company major vehicle, hopefully back to where it 261 00:15:05.600 --> 00:15:08.240 was before the accident. But you have diminished value. 262 00:15:08.360 --> 00:15:10.200 That's right, that's right. 263 00:15:11.279 --> 00:15:13.720 And so she claims that he can get you two 264 00:15:13.759 --> 00:15:17.039 to four thousand dollars within a two year window. 265 00:15:17.399 --> 00:15:17.919 That's right. 266 00:15:18.000 --> 00:15:21.159 Depending that's right. That's all true, depending on the loss. 267 00:15:21.360 --> 00:15:25.320 I mean, the facts of diminished value are all true. 268 00:15:25.639 --> 00:15:28.399 I am not sure how they work. What is their 269 00:15:28.480 --> 00:15:29.240 actual name? 270 00:15:30.919 --> 00:15:33.000 Auto Value Experts? 271 00:15:33.039 --> 00:15:37.559 Hey, hey, who's on the board today? Is this is 272 00:15:37.639 --> 00:15:40.200 Shannon or what are Rocky Dragon? 273 00:15:40.320 --> 00:15:42.159 Can you find their spot? 274 00:15:43.720 --> 00:15:43.840 Uh? 275 00:15:44.000 --> 00:15:45.000 Yeah, give me a minute. 276 00:15:45.200 --> 00:15:46.120 I'd like to. 277 00:15:46.480 --> 00:15:47.440 Hear it on the air. 278 00:15:47.600 --> 00:15:50.679 I mean, I thought they sounded really good, and they 279 00:15:50.720 --> 00:15:52.799 sound a lot like Petty Details, But of course I 280 00:15:52.799 --> 00:15:53.879 haven't tried them out yet. 281 00:15:54.080 --> 00:15:56.440 So tell me what's going on doc. Have you used them? 282 00:15:57.440 --> 00:16:00.720 I haven't used them. I'm just curious about it. 283 00:16:01.080 --> 00:16:02.679 Let's get him on the air and ask him. 284 00:16:03.720 --> 00:16:06.639 He wants you to pay him four or fifty. 285 00:16:06.480 --> 00:16:09.440 Up trint Okay, yeah, he. 286 00:16:09.519 --> 00:16:14.120 Says, the insurance company is going to want to They're 287 00:16:14.120 --> 00:16:17.360 not going to pay you. 288 00:16:16.200 --> 00:16:21.360 They will not they will not volunteer. He's right, they 289 00:16:21.399 --> 00:16:24.519 will not volunteer diminished value. 290 00:16:25.600 --> 00:16:26.919 They want to negotiate. 291 00:16:27.360 --> 00:16:30.799 That's right, and it's better to have an expert. Now, 292 00:16:30.840 --> 00:16:33.440 I believe Mark is not signed on now, is he? 293 00:16:34.080 --> 00:16:36.279 But but I believe I have to drop in a 294 00:16:36.320 --> 00:16:41.240 few Oh, I'm sorry, great, Mark? Now, petty details chargers 295 00:16:41.279 --> 00:16:42.120 what five hundred? 296 00:16:42.480 --> 00:16:42.679 Yeah? 297 00:16:42.759 --> 00:16:45.279 They do, but I don't know about this upfront part. 298 00:16:45.320 --> 00:16:47.759 And they're saying it can take up to two years. 299 00:16:48.000 --> 00:16:48.440 I don't know. 300 00:16:48.559 --> 00:16:50.639 No, no, Mark, No, no, no. They don't say up 301 00:16:50.639 --> 00:16:52.679 to two years. They say you can reopen the claim 302 00:16:52.720 --> 00:16:53.559 up to two years. 303 00:16:53.799 --> 00:16:54.240 Got it. 304 00:16:54.679 --> 00:16:58.240 Now, here's what I want to ask you, Mark, Petty details. 305 00:16:58.279 --> 00:17:01.159 I believe does collect up if you decide to go 306 00:17:01.200 --> 00:17:02.240 to the paid route. 307 00:17:02.360 --> 00:17:02.919 You don't. 308 00:17:03.080 --> 00:17:05.799 But but I think you pay up front. You don't 309 00:17:05.880 --> 00:17:08.559 pay for the free advice they give you free advice. 310 00:17:08.640 --> 00:17:10.920 First, they do charge up front, Tom. 311 00:17:11.039 --> 00:17:17.079 Yes, so, but first the difference with petty details. They'll 312 00:17:17.119 --> 00:17:22.319 give you a first blush value of your diminished value 313 00:17:22.440 --> 00:17:26.000 free of charge, and they won't fight for you, but 314 00:17:26.079 --> 00:17:29.880 they'll give you an idea. Then if you decide to 315 00:17:30.000 --> 00:17:33.400 use them, you pay five hundred. So it's not unusual 316 00:17:33.480 --> 00:17:36.119 to pay a fee. Do I like fees up front? 317 00:17:36.160 --> 00:17:36.200 No? 318 00:17:36.319 --> 00:17:39.000 I don't, but I mean that's the way they do 319 00:17:39.039 --> 00:17:41.519 it now. I think the reason they do that is 320 00:17:41.519 --> 00:17:45.200 because once they get it, maybe some people forget to pay. Now, 321 00:17:45.519 --> 00:17:49.200 I would say this, if they get you zero, do 322 00:17:49.240 --> 00:17:51.839 you get a refund? I don't know. Let's ask auto 323 00:17:51.960 --> 00:17:52.839 value experts. 324 00:17:52.880 --> 00:17:56.759 I mean, let's hear their ad Do we have it still? 325 00:17:56.839 --> 00:17:57.440 Hunt it down? 326 00:17:57.799 --> 00:17:59.720 Hunting it down. Let's take this break and see what 327 00:17:59.720 --> 00:18:01.559 we can find it. Then we're going to talk to 328 00:18:01.599 --> 00:18:03.839 Greg about medical bill issues. And then I want to 329 00:18:03.880 --> 00:18:09.119 talk to Henry Brett's excel roofing on some of the 330 00:18:09.240 --> 00:18:13.279 issues UH coming up against the storm damage supplies, and 331 00:18:13.319 --> 00:18:16.799 I want to talk about Listen, it's not their main 332 00:18:16.839 --> 00:18:18.519 bread and butter, but it should be in my and 333 00:18:18.519 --> 00:18:21.079 not should be. But I think this attic ventilation thing 334 00:18:21.240 --> 00:18:22.279 is an amazing thing. 335 00:18:22.559 --> 00:18:25.400 Now, I'm not saying you call them just for that, although. 336 00:18:25.119 --> 00:18:28.359 I imagine maybe on the off season they can do that. 337 00:18:28.400 --> 00:18:30.920 The main deal is, if you're having. 338 00:18:30.720 --> 00:18:33.640 Your roof done, we'll take care of them. Yeah, give 339 00:18:33.720 --> 00:18:34.119 us a call. 340 00:18:34.240 --> 00:18:36.799 Really, okay, Yeah, roof ventilation is unbelievable. 341 00:18:37.000 --> 00:18:38.640 I'm serious. I want to talk about it. 342 00:18:39.079 --> 00:18:41.640 Attic ventilation different than the whole house thing, the whole 343 00:18:41.640 --> 00:18:44.079 house fan. By the way, I'm Tom Martine three three 344 00:18:44.240 --> 00:18:46.279 seven to one to three talk eight eight eight heating 345 00:18:46.319 --> 00:18:47.599 dot com speaking. 346 00:18:47.200 --> 00:18:48.319 Of energy efficiency. 347 00:18:48.359 --> 00:18:52.640 They specialize in high energy efficiency and free second opinions, 348 00:18:52.880 --> 00:18:55.480 and they do electrical and plumbing and they're great people. 349 00:18:55.799 --> 00:18:57.599 Tell them. Tom told you to call three oh three 350 00:18:57.759 --> 00:19:01.000 seven seven zero two seven seven six eight eight eight 351 00:19:01.039 --> 00:19:09.319 heating dot com. Go with a sure thing Denver's best 352 00:19:09.400 --> 00:19:11.359 roofer Excel Roofing dot Com. 353 00:19:11.400 --> 00:19:13.440 You don't pay a cent until you're content. 354 00:19:16.799 --> 00:19:20.359 Time for an insurance checkup, free no obligation comparison call 355 00:19:20.440 --> 00:19:23.759 Compass Insurance paying too much your coverage at dozens of 356 00:19:23.799 --> 00:19:26.440 insurance companies find out now three all three seven to 357 00:19:26.519 --> 00:19:29.319 seven to one help. You'll think you're his only customer 358 00:19:29.359 --> 00:19:31.599 when you choose Frank durand the real estate Man dot 359 00:19:31.640 --> 00:19:34.960 com to list your home with Remax Alliance three all 360 00:19:35.000 --> 00:19:42.759 three nine two zero sixteen twenty two. Hey Tom Martino, 361 00:19:42.920 --> 00:19:47.119 your troubleshooter three O three seven to one three talk 362 00:19:47.279 --> 00:19:53.599 Ah crap, I'm sorry, I just uh, I close my 363 00:19:53.599 --> 00:19:54.599 my call screener. 364 00:19:54.640 --> 00:19:56.559 There we are, by the way. 365 00:19:56.599 --> 00:19:59.359 Bretts is with us from Excel Roofing, and I'm going 366 00:19:59.359 --> 00:20:01.960 to Greg right now on the phone about medical issues. 367 00:20:02.319 --> 00:20:04.160 And then I want to tell you what I discovered 368 00:20:04.160 --> 00:20:06.240 about my attic because I was bragging about the whole 369 00:20:06.279 --> 00:20:08.279 house fan and I loved it and I still love it, 370 00:20:08.839 --> 00:20:12.440 but it was being choked by my attic and I 371 00:20:12.480 --> 00:20:16.720 didn't realize it. I was here, I am doing social 372 00:20:16.759 --> 00:20:20.519 spots on how to cool a home effectively, and in 373 00:20:20.559 --> 00:20:23.480 my own addict, I had issues that I did not realize. 374 00:20:23.519 --> 00:20:25.920 But we'll talk about that, because if you looked at 375 00:20:25.920 --> 00:20:27.599 it from the street, it looked like I had plenty 376 00:20:27.599 --> 00:20:30.000 of venting. But we'll talk about that and what Excel 377 00:20:30.079 --> 00:20:35.759 Roofing discovered. And they automatically do this check every time they. 378 00:20:35.599 --> 00:20:39.079 Do a roof, so we'll talk about that. 379 00:20:39.279 --> 00:20:42.000 Excelroofing Dot com But Greg, you first, what's happening, Greg? 380 00:20:44.119 --> 00:20:47.960 So, last year beginning of twenty twenty three, I got 381 00:20:47.960 --> 00:20:53.200 a Sea pat machine and Aarrowcare slash Major Medical slash Rocket, 382 00:20:53.240 --> 00:20:55.920 Mountain Medical slash adapt hell they go about. 383 00:20:55.759 --> 00:20:58.240 Four slash slash slash slash. Hey, by the way, Greg, 384 00:20:58.319 --> 00:21:00.799 let me just say this. I got it see PAP 385 00:21:00.880 --> 00:21:04.400 machine at one time because I was diagnosed with a 386 00:21:04.440 --> 00:21:08.279 sleep apnea. I still have some traits and symptoms of it. 387 00:21:08.319 --> 00:21:11.640 I stopped using machine. To be honest with you, I 388 00:21:11.680 --> 00:21:14.680 think it's probably one of the most prescribed and unused 389 00:21:14.680 --> 00:21:15.839 devices in the world. 390 00:21:16.279 --> 00:21:17.920 I then used a dental. 391 00:21:17.559 --> 00:21:20.759 Appliance that worked for a while, and the dentist stop 392 00:21:20.839 --> 00:21:24.200 supporting it. And I heard that what they called sleep 393 00:21:24.319 --> 00:21:28.440 dentistry was like is now hard to find if any 394 00:21:28.519 --> 00:21:32.200 because there was so much so called liability. And in fact, 395 00:21:32.440 --> 00:21:35.119 there were a lot of people on radio. Do you 396 00:21:35.160 --> 00:21:38.680 remember the one guy with a funny voice. He was 397 00:21:38.720 --> 00:21:43.519 talking about ze Mark exactly, And anyway, all I'm saying 398 00:21:43.599 --> 00:21:45.839 is this now, they never talked about sleep avenue, but 399 00:21:45.880 --> 00:21:48.599 they talked about storing, which is kind of an indication 400 00:21:48.680 --> 00:21:49.920 you might have apnea. 401 00:21:50.039 --> 00:21:51.720 And Greg, I'll let you get to your story. 402 00:21:51.799 --> 00:21:54.680 But the important thing about apnea, it truly is important 403 00:21:54.720 --> 00:21:58.640 to treat. It is truly important. Now I know that 404 00:21:58.720 --> 00:22:03.640 I have some symptoms and occurrences of apnea. I know 405 00:22:03.880 --> 00:22:06.480 that based on this feeling I get and this startled 406 00:22:06.480 --> 00:22:09.519 a wakeness I get from this when I stop breathing. 407 00:22:09.720 --> 00:22:12.759 But it's not anything like it was when I used 408 00:22:12.799 --> 00:22:15.519 to weigh. You know, one ninety two hundred pounds them right, 409 00:22:15.559 --> 00:22:16.920 you know, and I'm one sixty. 410 00:22:16.680 --> 00:22:20.279 Right now or one fifty five. Here's the thing I use. 411 00:22:20.680 --> 00:22:22.480 I think weight had a lot to do with it, 412 00:22:22.519 --> 00:22:26.480 but I'm still looking for a good appliance that you 413 00:22:26.519 --> 00:22:29.640 can wear. I do not like to see pap machines. 414 00:22:29.680 --> 00:22:34.240 They're just so freaking cumbersome. Anyway, I digress. Go ahead, Greg, 415 00:22:34.359 --> 00:22:35.000 talk about it. 416 00:22:35.880 --> 00:22:36.119 Yeah. 417 00:22:36.200 --> 00:22:40.160 So the reason I'm calling today is because Aerocare has 418 00:22:40.759 --> 00:22:44.359 it's under a major medical They've sent me all these 419 00:22:44.400 --> 00:22:48.200 different crazy bills through but I haven't actually got the bills. 420 00:22:48.240 --> 00:22:51.200 I've gotten from an explanation of benefits, and I'll give 421 00:22:51.240 --> 00:22:55.240 a couple examples. On January third of this year, they 422 00:22:55.319 --> 00:22:58.720 charged twenty eight fifty and I don't know what for it, 423 00:22:58.839 --> 00:22:59.960 just says medical support. 424 00:23:00.599 --> 00:23:03.160 You mean twenty eight dollars. 425 00:23:03.000 --> 00:23:04.000 Twenty eight. 426 00:23:05.319 --> 00:23:09.240 And fifty Okay, let me ask you this, Greg, Sure 427 00:23:09.440 --> 00:23:12.200 this SEPAP in general I'm on for seventeen eighteen? 428 00:23:12.559 --> 00:23:14.720 Was the CEAPAP in general? 429 00:23:14.920 --> 00:23:16.160 Greg? Greg? 430 00:23:16.319 --> 00:23:16.519 Was this? 431 00:23:17.559 --> 00:23:17.880 Greg? 432 00:23:18.119 --> 00:23:21.160 None of this matters until I ask a question is 433 00:23:21.440 --> 00:23:22.680 what insurance do you have? 434 00:23:23.799 --> 00:23:26.559 That's United Healthcare? But for my issue is they I 435 00:23:26.559 --> 00:23:29.519 have denied my paper billing. I've actually sent them a 436 00:23:29.559 --> 00:23:33.359 certified letter at the end of May asking that I 437 00:23:33.480 --> 00:23:37.400 have all bills through US mail so that I can 438 00:23:37.440 --> 00:23:39.759 look at them and figure out whether I'm actually being 439 00:23:39.799 --> 00:23:40.759 overcharged or not. 440 00:23:41.200 --> 00:23:43.599 Okay, Greg, I want to ask a couple of questions. 441 00:23:43.599 --> 00:23:46.160 I can help you. The CPAP machine, what was the 442 00:23:46.200 --> 00:23:50.960 company that actually supplied it? It was Aerocare and they're 443 00:23:50.960 --> 00:23:57.319 the ones that are actually charging you. Yes, Now, under 444 00:23:57.359 --> 00:24:02.839 the explanation of benefits, did United Healthcare take responsibility for it? 445 00:24:02.960 --> 00:24:04.759 Or is it a self pay? 446 00:24:05.759 --> 00:24:07.599 I s I have a low deductible, but they have 447 00:24:07.640 --> 00:24:13.240 a contract with them, so it's in network. But fortunately 448 00:24:13.240 --> 00:24:16.440 you're not. In Healthcare reduced these down to almost nothing, 449 00:24:16.599 --> 00:24:19.160 you know, twenty it it became like thirty. 450 00:24:18.920 --> 00:24:22.000 Dollars or okay, So what is your concern about Because 451 00:24:22.039 --> 00:24:27.079 the EOB the explanation of benefits, it shows charges, then 452 00:24:27.119 --> 00:24:30.519 it shows the approved amount, then it shows the amount 453 00:24:30.559 --> 00:24:35.119 the insurance paid, and then it shows your responsibility. So 454 00:24:35.400 --> 00:24:40.559 in total, which one are you complaining about? Your responsibility? 455 00:24:41.200 --> 00:24:41.359 Uh? 456 00:24:41.799 --> 00:24:44.319 I'm complaining about the fact that I don't have any 457 00:24:44.359 --> 00:24:48.480 paper billings to verify whether I'm being overcharged or not. 458 00:24:48.920 --> 00:24:51.240 Okay, But what I'm asking, and I'll get to that part, 459 00:24:51.279 --> 00:24:54.400 I promise. What I'm asking though, is what was your 460 00:24:54.480 --> 00:24:55.799 total out of pocket? 461 00:24:57.000 --> 00:24:59.599 Well, so, like for this this bill it was. 462 00:25:00.880 --> 00:25:05.279 Twenty I mean, and total for your CPAP, what is 463 00:25:05.319 --> 00:25:09.319 your total outlay? I don't know. 464 00:25:09.359 --> 00:25:11.640 I'd have to add it up. I'm not prepared to 465 00:25:11.680 --> 00:25:12.480 give that figure out. 466 00:25:12.559 --> 00:25:14.160 Okay, okay, okay, that's fine. 467 00:25:14.319 --> 00:25:17.640 But do you think it was more than a thousand bucks? 468 00:25:17.680 --> 00:25:18.400 Probably not. 469 00:25:19.359 --> 00:25:19.799 Okay. 470 00:25:20.079 --> 00:25:24.240 Now you're confused about eobs. Let me give you some 471 00:25:24.400 --> 00:25:28.640 information that you may or may not like. They are 472 00:25:28.680 --> 00:25:34.720 not required to give you paper billing or paper explanations 473 00:25:34.079 --> 00:25:38.799 no longer because of the paper the Reduction Act. I 474 00:25:38.839 --> 00:25:42.799 forget what it's called, but it's the anyway the government 475 00:25:43.319 --> 00:25:44.519 and it like it goes. 476 00:25:44.880 --> 00:25:46.480 It's there's a million reasons. 477 00:25:46.759 --> 00:25:50.119 There's the environmental concerns, there's all kinds of stuff. But 478 00:25:50.279 --> 00:25:56.039 the Paperwork Reduction Act allows people In some cases companies 479 00:25:56.160 --> 00:26:01.359 will allow you to opt out of paper. But some 480 00:26:01.640 --> 00:26:07.480 companies will not even provide paper. And the EOB doesn't 481 00:26:07.519 --> 00:26:11.519 come from Arrowcare. The EOB comes from United. 482 00:26:11.160 --> 00:26:13.319 Health Yeah, I understand that. 483 00:26:13.880 --> 00:26:17.279 And when you get it, I am sure that if 484 00:26:17.319 --> 00:26:21.279 there is not an option for paper, that you had 485 00:26:21.319 --> 00:26:25.400 to opt out or they just do not provide it, 486 00:26:25.640 --> 00:26:31.079 and you decide if you want United Healthcare based on that. Okay, 487 00:26:31.200 --> 00:26:34.480 so what I want to but what you can still 488 00:26:34.519 --> 00:26:38.519 figure out now when you say if you were overbuilled 489 00:26:38.720 --> 00:26:41.440 or not, just so you know, a CPAP is going 490 00:26:41.440 --> 00:26:47.319 to range anywhere from six to eight thousand, okay, terribly overcharged. 491 00:26:47.960 --> 00:26:50.759 The insurance companies put a cap on that and will 492 00:26:50.759 --> 00:26:53.680 pay up to a certain amount, and then according to 493 00:26:53.720 --> 00:26:56.880 your plan, you pay up to a certain amount. 494 00:26:57.640 --> 00:27:00.680 So are you worried about United Healthcare? 495 00:27:00.839 --> 00:27:03.599 Don't be. They know what they're paying and they will 496 00:27:03.640 --> 00:27:07.400 negotiate and they won't let a penny be paid that 497 00:27:07.480 --> 00:27:13.599 isn't justified. Or are you concerned about your out of pocket. 498 00:27:14.440 --> 00:27:16.920 Well, I'm just ticked they won't send me paper bills, 499 00:27:16.960 --> 00:27:19.400 and they did send them through emails, but there was 500 00:27:19.440 --> 00:27:21.960 a spam per day, so it was almost impossible to 501 00:27:22.000 --> 00:27:23.799 go through there and find the bills. 502 00:27:24.240 --> 00:27:27.039 Well, Greg, Greg, I don't know what to tell you 503 00:27:27.079 --> 00:27:30.640 on that one, but truly you're really barking up the 504 00:27:30.680 --> 00:27:31.359 wrong tree. 505 00:27:31.960 --> 00:27:32.279 Okay. 506 00:27:32.359 --> 00:27:35.079 Now, as a courtesy, just between you and me, I 507 00:27:35.119 --> 00:27:38.599 think they should. They should say to you, you know what, sir, 508 00:27:38.920 --> 00:27:41.359 I understand you know, let's send it to you. 509 00:27:41.400 --> 00:27:43.119 What's your address, Let's do it. 510 00:27:43.400 --> 00:27:45.880 Instead, they sent you an email and then your spam 511 00:27:45.960 --> 00:27:48.240 caught it. And I'm sorry about that, but you can 512 00:27:48.279 --> 00:27:50.279 go in and set that so you can get everything 513 00:27:50.319 --> 00:27:52.680 from United Healthcare. But I don't know what else to 514 00:27:52.680 --> 00:27:55.480 tell you, but I will tell you this, Greg, seriously, 515 00:27:56.519 --> 00:28:02.079 because I know Errocare, I know United Healthcare, and I'm 516 00:28:02.119 --> 00:28:05.039 just gonna take a wild hair here. You're not getting 517 00:28:05.119 --> 00:28:10.079 ripped off. They don't. Very few companies play that game. 518 00:28:10.400 --> 00:28:14.559 They really do. Now, is there fraud in certain medicare billing, 519 00:28:14.960 --> 00:28:18.079 medicaid billing and medical Yeah there is, but it's not 520 00:28:18.200 --> 00:28:22.000 as much as we think on an individual basis. I 521 00:28:22.200 --> 00:28:25.519 just think you're worrying too much about it. In my opinion, 522 00:28:26.119 --> 00:28:29.160 I'm not saying you shouldn't look further, and I don't 523 00:28:29.200 --> 00:28:31.440 know why the hell they just won't be kind enough 524 00:28:31.480 --> 00:28:32.160 to send it to. 525 00:28:32.119 --> 00:28:33.079 You by mail. 526 00:28:33.400 --> 00:28:36.279 I would like, though, for the show today to get 527 00:28:36.319 --> 00:28:41.480 an expert on from Integra Insurance that I want you 528 00:28:41.559 --> 00:28:44.039 to listen to because they deal with this kind of 529 00:28:44.079 --> 00:28:47.039 thing and they might have a secret sauce to get 530 00:28:47.079 --> 00:28:50.559 you some paper billing. Now coming up, this is going 531 00:28:50.599 --> 00:28:54.599 to be wonderful. We actually have the owner of Auto 532 00:28:54.759 --> 00:28:58.640 Value Experts now. As you know, we love these kinds 533 00:28:58.680 --> 00:29:01.599 of services. In fact, we promote one that does the 534 00:29:01.640 --> 00:29:04.680 same thing. When I heard these other ads, I thought, 535 00:29:04.799 --> 00:29:08.480 I need to talk to these guys because we are 536 00:29:08.519 --> 00:29:13.240 a show that talk about how insurance companies will take 537 00:29:13.319 --> 00:29:14.759 every chance to screw you. 538 00:29:15.200 --> 00:29:16.319 So stay tuned. 539 00:29:16.440 --> 00:29:20.240 Robert Shipley will be on to talk about Auto Valueexperts 540 00:29:20.319 --> 00:29:24.200 dot com, who's been advertising all over iHeart stay tuned. 541 00:29:29.680 --> 00:29:32.920 Go with a sure thing Denver's Best Roofer Excel Roofing 542 00:29:33.039 --> 00:29:33.640 dot com. 543 00:29:33.680 --> 00:29:35.680 You don't pay a cent until you're content. 544 00:29:39.079 --> 00:29:42.640 Time for an insurance checkup, free, no obligation comparison call 545 00:29:42.720 --> 00:29:46.039 Compass Insurance paying too much your coverage at dozens of 546 00:29:46.079 --> 00:29:48.799 insurance companies find out now three O three seven to 547 00:29:48.799 --> 00:29:51.599 seven to one help. You'll think you're his only customer 548 00:29:51.640 --> 00:29:53.880 when you choose Frank Durand the real estate man dot 549 00:29:53.920 --> 00:29:57.440 com to list your home with Remax Alliance three three 550 00:29:57.519 --> 00:30:03.359 nine two zero sixteen twenty two. Hi Thomas, you know here? 551 00:30:03.480 --> 00:30:06.000 Three three seven one three talks seven one three two 552 00:30:06.039 --> 00:30:06.480 five five. 553 00:30:06.839 --> 00:30:10.240 Robert Shipley, the owner of Auto Value Experts, I've heard 554 00:30:10.279 --> 00:30:10.839 a lot of ads. 555 00:30:10.880 --> 00:30:12.640 Hey, Robert, thank you for being. 556 00:30:12.400 --> 00:30:14.799 Here, sir? How long really? 557 00:30:15.319 --> 00:30:16.599 How long you've been doing. 558 00:30:16.400 --> 00:30:18.880 This since two thousand and six? 559 00:30:19.759 --> 00:30:22.440 Well, how come we're not here? I hadn't heard about 560 00:30:22.440 --> 00:30:22.960 you before? 561 00:30:24.240 --> 00:30:24.599 Yeah, Bi. 562 00:30:25.240 --> 00:30:28.119 I started out in Texas in two thousand and six, 563 00:30:29.440 --> 00:30:34.039 opened offices over the next two years in Durrale on 564 00:30:34.079 --> 00:30:38.880 the backside of Miami, Atlanta, Dallas, and up here in Denver, 565 00:30:39.599 --> 00:30:43.680 and then the economy crunch of two thousand and eight 566 00:30:43.720 --> 00:30:46.880 and in twenty twelve where ship back and we had 567 00:30:46.920 --> 00:30:50.720 to restructure our business work to stay effective and be 568 00:30:50.759 --> 00:30:54.960 able to help the public still and then rebuild from there. 569 00:30:55.000 --> 00:30:57.759 So you know, it's over the years we've done over 570 00:30:57.799 --> 00:31:01.039 eight thousand claims, but you know there's in stronger years 571 00:31:01.440 --> 00:31:01.759 than some. 572 00:31:02.359 --> 00:31:03.359 And when did you start? 573 00:31:03.400 --> 00:31:06.480 When did you start your your major radio campaign? 574 00:31:08.119 --> 00:31:09.400 Well, I did. 575 00:31:09.640 --> 00:31:16.279 iHeart in Texas and Georgia for about a decade and 576 00:31:16.319 --> 00:31:18.559 then I just relocated myself. 577 00:31:18.680 --> 00:31:19.799 My wife and I moved. 578 00:31:19.640 --> 00:31:22.920 Up here and we live in Boulder, and we started 579 00:31:22.960 --> 00:31:27.039 a couple months ago advertising on iHeart here in collegehood. 580 00:31:27.759 --> 00:31:29.839 Good, then you're going to learn about me the legend. 581 00:31:29.960 --> 00:31:34.960 I'm just kidding. Hey, Robert, listen, as far as your claims, 582 00:31:35.000 --> 00:31:39.359 what percentage that you take on are successful. Let's say 583 00:31:39.359 --> 00:31:41.920 when I say successful, you know at least a thousand 584 00:31:42.000 --> 00:31:42.759 dollars increase. 585 00:31:44.240 --> 00:31:47.960 Well, we don't accept a claim unless we're able to 586 00:31:48.119 --> 00:31:52.400 prove at least eighteen hundred dollars more. And I've never 587 00:31:52.480 --> 00:31:55.000 lost a case, so so. 588 00:31:55.000 --> 00:31:57.480 You only take the ones you're pretty certain about. 589 00:31:58.839 --> 00:32:02.759 No, we only take the So here's how this works. 590 00:32:03.880 --> 00:32:07.000 I'm not a judge, so I can't make a company 591 00:32:07.119 --> 00:32:10.680 do anything right. We can just make it very painful 592 00:32:10.799 --> 00:32:15.480 if they don't follow the law. So an insurance company 593 00:32:15.559 --> 00:32:19.000 knows that the average person is not going to put 594 00:32:19.039 --> 00:32:21.640 a lot of effort into fighting a claim that's under 595 00:32:21.640 --> 00:32:25.799 eighteen hundred dollars, so they will automatically dig their heels 596 00:32:25.839 --> 00:32:30.920 in make it incredibly difficult for you to succeed. So 597 00:32:30.960 --> 00:32:35.720 we don't recommend people will pursue a claim that's under 598 00:32:35.759 --> 00:32:38.640 eighteen hundred dollars just because in the long run, they're 599 00:32:38.680 --> 00:32:41.119 going to make it not worth it, even though it's 600 00:32:41.519 --> 00:32:45.559 legally correct. They're going to make it more expensive to fight. 601 00:32:46.440 --> 00:32:51.119 So with that in mind, we only recommend if we're 602 00:32:51.160 --> 00:32:53.839 able to prove eighteen hundred dollars or more, because they 603 00:32:53.920 --> 00:32:57.480 know that the private individual will fight tooth and nail 604 00:32:57.519 --> 00:33:00.000 for that amount of money, so they're much more likely 605 00:33:00.480 --> 00:33:02.640 to do what the loss says they have to do 606 00:33:02.720 --> 00:33:04.119 without too much fuss. 607 00:33:04.640 --> 00:33:07.279 Now is your Do you have a money back guarantee 608 00:33:07.279 --> 00:33:07.559 at all? 609 00:33:08.839 --> 00:33:12.519 We do, and it's right on our website Auto Valueexperts 610 00:33:12.519 --> 00:33:16.680 dot com. If there's anything faulty, if there's anything that 611 00:33:16.759 --> 00:33:20.480 can be proven to be wrong with our reports and 612 00:33:20.519 --> 00:33:23.680 our services, then we have one hundred percent money back guarantee. 613 00:33:23.799 --> 00:33:25.200 No, I guess here's what I'm asking. 614 00:33:25.559 --> 00:33:27.799 If the insurance company just won't budge and they don't 615 00:33:27.799 --> 00:33:31.359 get a dime, so now they're five hundred dollars behind 616 00:33:31.359 --> 00:33:35.039 their original offer? Is there a money back guarantee that way? 617 00:33:35.119 --> 00:33:37.119 Because you said, and I know you say you never 618 00:33:37.160 --> 00:33:38.960 lost a case, I have no reason to doubt you. 619 00:33:39.279 --> 00:33:41.920 But do you just say trust us? 620 00:33:41.960 --> 00:33:44.599 And I mean, have you had cases where people paid 621 00:33:44.640 --> 00:33:45.880 five hundred and got nothing? 622 00:33:47.000 --> 00:33:50.759 Well, let me answer that with two different answers, because 623 00:33:50.960 --> 00:33:53.359 it'll make everybody feel more comfortable if they understand the 624 00:33:53.400 --> 00:33:56.720 whole process. But to give you the most direct answer, 625 00:33:57.160 --> 00:33:59.880 what happens if the insurance company ultimately does. 626 00:33:59.759 --> 00:34:01.480 Not do what the law says? 627 00:34:01.599 --> 00:34:04.200 Well, at that point, and it happens on. 628 00:34:04.200 --> 00:34:07.119 About wait, hold on, Robert, hold on. 629 00:34:07.480 --> 00:34:09.760 I don't want to rush you, and since you're local, 630 00:34:09.840 --> 00:34:12.800 I really want to continue this right after the news here, 631 00:34:12.840 --> 00:34:15.280 I really do. I want to talk to you about 632 00:34:15.320 --> 00:34:17.760 the law and what you mean what the law says. 633 00:34:18.119 --> 00:34:21.519 So hang on. I'm Tom Martino. We got more coming up, 634 00:34:21.639 --> 00:34:26.480 very interesting. Go with a sure thing Denver's Best roofer 635 00:34:26.599 --> 00:34:29.480 Excel roofing dot com. You don't pay a cent until 636 00:34:29.519 --> 00:34:36.000 you're content, wait time for an insurance checkup free, no obligation. 637 00:34:36.039 --> 00:34:39.840 In comparison, call Compass insurance paying too much your coverage 638 00:34:39.880 --> 00:34:42.519 at dozens of insurance companies. Find out now three all 639 00:34:42.599 --> 00:34:44.920 three seven to seven to one help. You'll think you're 640 00:34:44.960 --> 00:34:47.480 his only customer when you choose Frank durand the real 641 00:34:47.599 --> 00:34:50.559 estate man dot com to list your home with Remax 642 00:34:50.599 --> 00:34:53.880 Alliance three oh three nine two zero sixteen twenty two. 643 00:35:01.760 --> 00:35:02.000 News. 644 00:35:03.239 --> 00:35:04.840 Need advice so you don't have. 645 00:35:07.039 --> 00:35:07.800 Come runing. 646 00:35:08.039 --> 00:35:13.320 Just as fast as we can, Shooter's gonna help coming man. 647 00:35:14.199 --> 00:35:20.199 This is the Troubleshooter Show. Now, Tom Martino, Hi. 648 00:35:20.280 --> 00:35:23.119 Tom Martino here, Welcome to the show. Three oh three 649 00:35:23.480 --> 00:35:26.199 seven one three talk seven one three eight two five five. 650 00:35:26.199 --> 00:35:29.000 This I brought to you by Dan McKenzie McKenzie law. 651 00:35:29.079 --> 00:35:32.519 If you're looking for someone to do a state planning wills, 652 00:35:33.119 --> 00:35:38.480 avoiding probate and the like, that's Dan McKenzie McKenzie law, 653 00:35:39.320 --> 00:35:41.360 and he's always been an expert on this show for 654 00:35:41.480 --> 00:35:46.840 us eight three three co plans eight three three co. 655 00:35:48.360 --> 00:35:48.840 Plans. 656 00:35:49.639 --> 00:35:52.599 Okay, let's talk what's on your mind today. Let's go 657 00:35:52.760 --> 00:35:56.440 to the phones, and we have Robert Shipley. Now we've 658 00:35:56.440 --> 00:35:59.760 had more than one inquiry, including my own curiosity, because 659 00:35:59.760 --> 00:36:03.920 I've heard spots on iHeart and on KHOW and they 660 00:36:03.920 --> 00:36:08.079 were talking about Autovalueexperts dot com, get your diminished value 661 00:36:08.119 --> 00:36:10.679 blah blah blah. Since this is something we talk about 662 00:36:10.719 --> 00:36:13.639 a lot on this show, and we've also had an 663 00:36:13.679 --> 00:36:18.320 expert over the years, Petty details that he calls himself 664 00:36:18.360 --> 00:36:21.559 diminished value experts dot com. He's done a pretty good job. 665 00:36:22.199 --> 00:36:26.079 And so I'm so interested in diminished value. And for 666 00:36:26.119 --> 00:36:28.880 those listening, diminished values. When you get into a car 667 00:36:28.920 --> 00:36:34.000 accident and your car may be fixed perfectly, but you 668 00:36:34.039 --> 00:36:37.400 will never have one hundred percent of its value. Much 669 00:36:37.400 --> 00:36:40.800 of it is a perceived loss of value when you 670 00:36:40.840 --> 00:36:44.159 go to sell it or trade it. As a result, 671 00:36:45.719 --> 00:36:50.679 you have what's called diminished value. And here's the problem. 672 00:36:50.800 --> 00:36:55.480 If it's your own collision coverage covering you, your own 673 00:36:55.639 --> 00:37:00.719 policies will disclaim diminished value because you when you signed up, 674 00:37:01.320 --> 00:37:08.360 you agreed not to pursue diminished value against your own carrier. However, 675 00:37:09.360 --> 00:37:13.719 if someone else causes you damage, you have every right 676 00:37:13.800 --> 00:37:18.719 to go after diminished value unless the law prohibits it. 677 00:37:19.280 --> 00:37:22.039 And as far as I know, there's only one state 678 00:37:22.960 --> 00:37:29.800 that prohibits diminished value claims by statute, and that's Michigan. 679 00:37:29.840 --> 00:37:35.079 I believe you cannot sue for diminished value. Robert, are 680 00:37:35.119 --> 00:37:37.280 there any other states? Do you know he's the owner? 681 00:37:37.360 --> 00:37:40.199 Robert was gracious to come on. Do you know of 682 00:37:40.239 --> 00:37:42.159 any other states that prohibit these claims? 683 00:37:43.239 --> 00:37:43.480 No? 684 00:37:43.679 --> 00:37:48.079 And if it's okay, I just have just a couple 685 00:37:48.079 --> 00:37:49.559 of quick correct. 686 00:37:49.599 --> 00:37:50.480 On that go ahead. 687 00:37:50.480 --> 00:37:54.280 Certainly, this is this is actually a federal law. It's 688 00:37:54.280 --> 00:37:58.679 a second Restatement of Torts. Section nine twenty six through 689 00:37:58.800 --> 00:38:03.039 nine nine cover this, and it's been a law originally 690 00:38:03.119 --> 00:38:04.159 since nineteen oh three. 691 00:38:04.559 --> 00:38:08.960 What part what federal law? What are you quoting from, 692 00:38:09.000 --> 00:38:10.519 sirn Yep? 693 00:38:10.599 --> 00:38:15.199 It is the second Restatement of Torts? Okay, starts in 694 00:38:15.320 --> 00:38:18.119 section nine twenty six and goes through nine twenty nine. 695 00:38:18.519 --> 00:38:22.880 Got it, And it originated that that's the modern language 696 00:38:22.880 --> 00:38:27.559 of an original nineteen oh three law that governs this. 697 00:38:27.840 --> 00:38:31.599 So the states, when in Texas, tried to do this, 698 00:38:31.679 --> 00:38:35.760 when they pass laws blocking this, federal law superseded state law. 699 00:38:36.360 --> 00:38:39.280 Doesn't matter. States can say all they want to discourage 700 00:38:39.320 --> 00:38:42.000 you because they're in the pockets of the insurance company 701 00:38:42.320 --> 00:38:45.400 and the donations. Okay, but the fact is federal law 702 00:38:45.400 --> 00:38:50.400 overseeds superseded state law. The other thing is, if you 703 00:38:52.119 --> 00:38:57.000 are in an accident and you have uninsured motors coverage, 704 00:38:57.119 --> 00:38:59.639 and again somebody else hits you, you can still claim 705 00:38:59.639 --> 00:39:01.800 against your own policy as long as you pay for 706 00:39:01.840 --> 00:39:05.840 that extra little bit called uninsured motors coverage. That's the 707 00:39:05.920 --> 00:39:08.199 only way you can go against your own insurance company 708 00:39:08.239 --> 00:39:10.800 is if the other person doesn't have coverage and you 709 00:39:10.880 --> 00:39:15.079 pay the extra for that little additional writer on your insurance, 710 00:39:15.400 --> 00:39:19.119 then you can pursue to great benefit your own insurance 711 00:39:19.119 --> 00:39:22.760 company because you're protected then by both contract law and 712 00:39:22.880 --> 00:39:23.440 port law. 713 00:39:24.320 --> 00:39:28.639 Okay, okay, by the way, from what I'm reading in 714 00:39:28.679 --> 00:39:31.079 this law and I listen, I don't disagree with you 715 00:39:31.119 --> 00:39:33.760 that it's something insurance company should pay. I just want 716 00:39:33.760 --> 00:39:35.679 to say that right out front. I'm just trying to 717 00:39:35.760 --> 00:39:38.039 understand the law. This law that i'm reading, the nine 718 00:39:38.000 --> 00:39:43.840 to twenty nine through thirty nine talks mainly about land 719 00:39:44.159 --> 00:39:48.880 land value and homes and restoration of loss of use 720 00:39:48.960 --> 00:39:50.239 and a go ahead. 721 00:39:51.119 --> 00:39:51.559 I'm sorry. 722 00:39:51.599 --> 00:39:54.199 It starts in nine twenty six, and there's bits and 723 00:39:54.199 --> 00:39:56.280 pieces that goes from nine six to nine. 724 00:39:57.159 --> 00:40:00.679 Okay, oh yeah, yeah, you're right, you're right, yeah, I 725 00:40:00.719 --> 00:40:01.159 saw that. 726 00:40:01.360 --> 00:40:03.440 Yeah, okay, right. 727 00:40:03.519 --> 00:40:07.639 And what you're telling me that the law says it's 728 00:40:07.760 --> 00:40:13.440 a recoverable expense period, and you're saying that you fight 729 00:40:13.559 --> 00:40:18.079 and guarantee that you can prove it. But sometimes an 730 00:40:18.079 --> 00:40:22.440 insurance company will simply, let's just say, they simply refuse 731 00:40:22.519 --> 00:40:24.119 to do what the law says. What do you do 732 00:40:24.159 --> 00:40:24.719 in that case? 733 00:40:25.800 --> 00:40:28.519 So in that case, which happens about one percent of 734 00:40:28.559 --> 00:40:30.280 the time, one to one and a half percent of 735 00:40:30.320 --> 00:40:32.480 the type, what we're gonna do is we're going to 736 00:40:32.599 --> 00:40:36.280 recommend that you file suit in court. Right and I 737 00:40:36.280 --> 00:40:39.239 can even make a recommendations on attorneys that handle these 738 00:40:39.280 --> 00:40:39.880 because I do it. 739 00:40:39.920 --> 00:40:43.159 Can you do a bad faith? Can you do bad faith? 740 00:40:43.440 --> 00:40:45.440 Yes, yes you can. 741 00:40:46.000 --> 00:40:48.840 So that would mean that an attorney most likely would 742 00:40:48.880 --> 00:40:52.199 take it on contingency if it's a good bad faith. 743 00:40:52.599 --> 00:40:53.800 Yeah. 744 00:40:53.920 --> 00:40:54.079 Yes. 745 00:40:54.199 --> 00:40:56.840 And I'm a Daubert certified expert. I'm one of three 746 00:40:56.960 --> 00:41:00.840 in the nation, and I'm to fight an over two 747 00:41:00.920 --> 00:41:03.440 hundred and twenty cases over the years of all the 748 00:41:03.440 --> 00:41:07.760 way through the circuit court in Georgia on the Enterprise 749 00:41:07.880 --> 00:41:12.280 airbag case, which is a fascinating thing for another time. 750 00:41:12.639 --> 00:41:17.039 But I will be happy to continue to work for 751 00:41:17.119 --> 00:41:20.840 you and testify at no charge as an expert in 752 00:41:20.880 --> 00:41:25.480 the case because I am court certified. So that's why 753 00:41:25.519 --> 00:41:28.039 I say, even though it's unlikely to go to court, 754 00:41:28.079 --> 00:41:30.480 even if it does, I'm still there. And again we 755 00:41:30.559 --> 00:41:34.760 haven't lost a case. Now, if an insurance company starts 756 00:41:34.840 --> 00:41:38.320 to become difficult to handle and the client just decides, well, 757 00:41:38.679 --> 00:41:40.920 I'm done messing with this, I'm not gonna mess with 758 00:41:40.960 --> 00:41:45.880 it anymore, that's not my fault. I do not refund 759 00:41:45.880 --> 00:41:46.480 money for that. 760 00:41:46.679 --> 00:41:47.239 So that's what. 761 00:41:47.440 --> 00:41:50.480 Okay, get it, I get a tee, I get it. 762 00:41:50.519 --> 00:41:52.599 Your guarantee is to work it through to the end. 763 00:41:53.679 --> 00:41:56.719 Correct And if my client wherever to lose, which would 764 00:41:56.760 --> 00:41:59.599 mean that the court would say it's not a valid report. 765 00:42:00.079 --> 00:42:04.320 And if my written guarantee that if there's a mistake 766 00:42:04.440 --> 00:42:07.440 or it's faulty, I'll pay one hundred percent of it back, 767 00:42:07.679 --> 00:42:10.239 that's that's not a problem. If I so much is 768 00:42:10.320 --> 00:42:14.079 misspell a word in the report, which is usually about 769 00:42:14.119 --> 00:42:17.119 sixty pages long, then I will pay the money back. 770 00:42:17.360 --> 00:42:19.719 I absolutely guarantee the quality of our work. 771 00:42:20.000 --> 00:42:24.400 Are there any insurance companies that are worse than others 772 00:42:25.599 --> 00:42:26.320 to work with? 773 00:42:28.199 --> 00:42:33.039 There is, And it's kind of sicklical about every eight 774 00:42:33.039 --> 00:42:36.039 to ten years, all insurance companies are going to try 775 00:42:36.039 --> 00:42:37.760 to challenge a few of them, just to see if 776 00:42:37.800 --> 00:42:41.039 you're if the system's going to allow it to be challenged, 777 00:42:41.119 --> 00:42:44.800 right all, Stagy is one of the easiest, believe it 778 00:42:44.880 --> 00:42:48.599 or not. Yes, there is one company that you will 779 00:42:48.639 --> 00:42:52.239 not believe is actually the hardest to deal with of 780 00:42:52.280 --> 00:42:58.599 the major companies, and that's USAA. And no I believe that, honey. Ironically, 781 00:42:58.719 --> 00:43:01.679 USAA is one of the insurance companies. Because I work 782 00:43:02.320 --> 00:43:04.639 for everybody. The loss is the loss. So I work 783 00:43:04.679 --> 00:43:06.400 for the public, I work for law firms, and I 784 00:43:06.400 --> 00:43:09.760 work for insurance companies when they're suing other insurance companies, 785 00:43:10.239 --> 00:43:14.719 and I am an designated expert for USAA, and USAA 786 00:43:15.280 --> 00:43:18.719 has about a five percent of their claims. They all 787 00:43:18.840 --> 00:43:21.480 want to take it to court just to show up 788 00:43:21.480 --> 00:43:24.280 at the judges chambers and settle the case there, just 789 00:43:24.320 --> 00:43:26.400 to see if we're going to fight it all the way. 790 00:43:26.800 --> 00:43:29.199 Because once we go into an actual court and I say, hey, 791 00:43:29.280 --> 00:43:32.639 I'm an expert for this company, they can't reject my report. 792 00:43:33.519 --> 00:43:37.639 Then they know they're going to lose. So yeah, they're 793 00:43:37.679 --> 00:43:40.559 not the most ethical when it comes to this. One 794 00:43:40.639 --> 00:43:44.519 last thing is that it will make stir the pot 795 00:43:44.519 --> 00:43:47.239 a bit with all this is that because it's been 796 00:43:47.280 --> 00:43:51.280 a los since nineteen oh three. When an insurance company 797 00:43:52.280 --> 00:43:57.320 charges you your monthly premium, part of what they're factoring in 798 00:43:57.320 --> 00:44:01.599 into their bill to get your money is they factor 799 00:44:01.639 --> 00:44:05.280 in having to pay diminished value on every single car 800 00:44:05.440 --> 00:44:09.599 you ever potentially hit, but less than one percent of 801 00:44:09.599 --> 00:44:12.480 the time it's claimed, so they're collecting the money for it. 802 00:44:12.480 --> 00:44:14.039 It's not coming out. 803 00:44:14.039 --> 00:44:17.039 Out of your pocket. And then they don't offer it 804 00:44:17.079 --> 00:44:19.360 and they just keep right ninety nine percent of the 805 00:44:19.440 --> 00:44:20.519 time they keep it a profit. 806 00:44:21.440 --> 00:44:24.800 Surprise, insurance companies actually doing something wrong. 807 00:44:25.039 --> 00:44:27.280 Wow, and it's Robert. 808 00:44:27.800 --> 00:44:32.440 Just one more thing that might blow your mind, and 809 00:44:32.480 --> 00:44:35.719 that is when your car is in a total loss, 810 00:44:35.760 --> 00:44:39.599 the insurance company decides to total it out, and it's 811 00:44:39.719 --> 00:44:42.360 not diminished value we're dealing with. Now, we're dealing with 812 00:44:42.400 --> 00:44:44.880 a total loss. When they decide to total your loss 813 00:44:45.320 --> 00:44:47.519 and they send you a report saying, hey, we're going 814 00:44:47.599 --> 00:44:51.320 to pay you twenty thousand dollars whatever it is, they 815 00:44:51.440 --> 00:44:55.920 use a program that is usually sixty percent of the 816 00:44:55.960 --> 00:44:57.960 real value that they should be paying you. 817 00:44:58.840 --> 00:45:00.719 So you work for those cases too. 818 00:45:00.880 --> 00:45:04.840 For totaled Yes, yes, So if you have an accident 819 00:45:04.840 --> 00:45:07.599 where your vehicle has been totaled, as long as you 820 00:45:07.679 --> 00:45:10.840 don't accept that check, we can challenge it and get 821 00:45:10.920 --> 00:45:13.599 you the amount that you're truly owed. 822 00:45:13.880 --> 00:45:14.840 On a total loss. 823 00:45:15.000 --> 00:45:17.760 Also, everybody just assumes they have to accept it. 824 00:45:17.880 --> 00:45:20.679 No, you don't, now, Robert. 825 00:45:21.119 --> 00:45:24.239 If someone had a car fixed or had a claim 826 00:45:24.719 --> 00:45:27.840 and they think the claim is closed, can you reopen 827 00:45:28.199 --> 00:45:29.519 a recent claim? 828 00:45:31.599 --> 00:45:37.679 If we're talking diminished value, it doesn't legally close until 829 00:45:37.719 --> 00:45:41.559 the two year mark here in Colorado, So if your 830 00:45:41.639 --> 00:45:44.199 vehicle is repaired, we can go back up to two 831 00:45:44.280 --> 00:45:46.559 years prove what your car is worth at that time 832 00:45:46.960 --> 00:45:50.920 and what your diminished value is. However, on a total loss, 833 00:45:51.280 --> 00:45:54.639 once you cash that check, that claim is done. There's 834 00:45:54.639 --> 00:45:55.599 no way to reopen it. 835 00:45:56.239 --> 00:45:59.679 Now, let's talk about aren't there some cars that are 836 00:45:59.679 --> 00:46:01.960 so old or it gets to a point where there's 837 00:46:02.000 --> 00:46:03.440 really not diminished value. 838 00:46:04.639 --> 00:46:07.519 Yes, because it's a percentage of the overall value. So 839 00:46:07.639 --> 00:46:11.760 if you have a twenty year old Kia, it's not 840 00:46:11.840 --> 00:46:15.400 going to have any value, right, Okay, you have a 841 00:46:15.599 --> 00:46:20.599 forty year old Mercedes, Now it's a collectible. That's a 842 00:46:20.639 --> 00:46:23.679 whole nother ballgame. And yes, you can have it. If 843 00:46:23.679 --> 00:46:28.239 you have a nineteen ninety nine heavy duty pickup truck 844 00:46:28.280 --> 00:46:32.079 that still has a reasonable value, then yes, you can 845 00:46:32.079 --> 00:46:34.199 still make a claim. It just depends on what that 846 00:46:34.280 --> 00:46:39.360 initial value is. And here's how you can come out 847 00:46:39.360 --> 00:46:43.840 ahead using our services. When we talk to a client 848 00:46:43.880 --> 00:46:45.480 on the phone, we get them to send us the 849 00:46:45.519 --> 00:46:49.320 documents we need, and we do the report upfront, whether 850 00:46:49.320 --> 00:46:51.960 it's a total loss or diminished value. We do that 851 00:46:52.039 --> 00:46:55.320 report and finalize it and then call the customer and say, hey, 852 00:46:55.840 --> 00:46:59.079 this is how much we can prove here. You're entitled 853 00:46:59.079 --> 00:47:03.239 to X number of dollars. Knowing that, do you want 854 00:47:03.280 --> 00:47:07.880 to hire us? If they just wow, they owe it's nothing. 855 00:47:09.239 --> 00:47:11.400 If they decide so, you'll give them a free kind 856 00:47:11.440 --> 00:47:12.039 of estimate. 857 00:47:13.000 --> 00:47:15.320 Yeah, I'll tell them exactly down to the penny what 858 00:47:15.360 --> 00:47:17.519 it is they're purchasing. We will never ask you to 859 00:47:17.519 --> 00:47:18.360 buy something you don't know. 860 00:47:19.880 --> 00:47:21.880 Okay, So okay, got it? 861 00:47:22.840 --> 00:47:23.079 Okay. 862 00:47:23.480 --> 00:47:26.519 Once that we have that conversation and they agree to 863 00:47:26.559 --> 00:47:29.519 go forward, they pay the flat fee. It's four hundred 864 00:47:29.559 --> 00:47:32.440 and fifty dollars. We submit the report to them to 865 00:47:32.480 --> 00:47:34.679 send in and we'll send a copy in as well, 866 00:47:36.559 --> 00:47:38.320 and then we go on from there. We have to 867 00:47:38.440 --> 00:47:43.800 collect our feed before the report is submitted because that 868 00:47:43.880 --> 00:47:46.599 keeps us unbiased. We're not party to the claim. We're 869 00:47:46.639 --> 00:47:49.679 not on a sliding scale, we're not based on the outcome. 870 00:47:50.039 --> 00:47:53.320 We're completely independent and that's what gives us the teeth, 871 00:47:53.920 --> 00:47:57.480 the threaten to go to court if necessary. But that 872 00:47:57.639 --> 00:48:00.960 being said, we do the report first, tell the client 873 00:48:01.039 --> 00:48:03.360 exactly what they're entitled to, and then they make that 874 00:48:03.480 --> 00:48:05.719 determination if they want to proceed or not. 875 00:48:07.800 --> 00:48:09.159 Robert, thank you very much. 876 00:48:09.199 --> 00:48:11.079 If you could be so kind as leave some local 877 00:48:11.119 --> 00:48:14.960 contact information for Kelly, my producer. I would love to 878 00:48:15.199 --> 00:48:17.159 catch you on from time to time as an expert. 879 00:48:17.400 --> 00:48:21.880 Auto Value Experts dot com eight six six four two 880 00:48:21.880 --> 00:48:25.559 three four five five six. We have more comment up 881 00:48:25.559 --> 00:48:28.280 on the Troubleshooter show renew home Innovations dot com for 882 00:48:28.320 --> 00:48:31.639 the most beautiful showers you can get. They take that 883 00:48:31.679 --> 00:48:35.840 old shub that's the shower and the tubcombo, take that 884 00:48:35.960 --> 00:48:40.440 out and put in a beautiful rectangle shower. No threshold 885 00:48:40.480 --> 00:48:45.159 to worry about, glass panels, stone walls, no maintenance, accustom 886 00:48:45.199 --> 00:48:47.480 made to your movements. In two or three days, they're done. 887 00:48:47.559 --> 00:48:49.760 You have seventy two months to pay with no interest. 888 00:48:49.840 --> 00:48:59.960 Renew Home Innovations dot com. Go with a sure thing 889 00:49:00.119 --> 00:49:03.400 Denver's best roofer Excel Roofing dot com. You don't pay 890 00:49:03.440 --> 00:49:09.519 a cent until you're content. Time for an insurance check 891 00:49:09.599 --> 00:49:13.480 up free, no obligation. In comparison, call Compass Insurance paying 892 00:49:13.519 --> 00:49:16.559 too much your coverage at dozens of insurance companies find 893 00:49:16.559 --> 00:49:18.559 out now three O three seven to seven to one. 894 00:49:18.639 --> 00:49:18.920 Help. 895 00:49:19.079 --> 00:49:21.719 You'll think you're his only customer when you choose Frank 896 00:49:21.800 --> 00:49:24.239 durand the real estate Man dot com to list your 897 00:49:24.280 --> 00:49:27.440 home with Remax Alliance three oh three nine to zero 898 00:49:27.519 --> 00:49:37.000 sixteen twenty two. Hi Tom Martino here three three seven 899 00:49:37.079 --> 00:49:40.679 one three talk. John Jones Junior is our insurance expert 900 00:49:40.719 --> 00:49:48.440 for health insurance at Integra Insurance dot com. And I'll 901 00:49:48.440 --> 00:49:50.639 give you that number if you're looking for health insurance. 902 00:49:50.679 --> 00:49:53.639 Don't ever do it alone. I mean, she's there's no 903 00:49:53.719 --> 00:49:55.400 you don't save money going direct, by the way, and 904 00:49:55.559 --> 00:49:57.239 just I'll just throw that out there now. 905 00:49:57.440 --> 00:49:59.679 Greg had a question, and. 906 00:50:00.719 --> 00:50:04.880 It's really it is not a bad question. You know, 907 00:50:05.119 --> 00:50:09.559 he's got insurance with United Healthcare. He has a CPAP machine. 908 00:50:09.719 --> 00:50:13.719 But during this whole process he became frustrated with the 909 00:50:13.719 --> 00:50:19.079 EOB explanation of benefits, which is online, and then he 910 00:50:19.280 --> 00:50:24.000 also got an email upon request. Now I know my 911 00:50:24.199 --> 00:50:30.639 eobs are actually mailed. Plus they're online explanation of benefits, 912 00:50:31.239 --> 00:50:34.320 and I actually don't want the mail, and they don't stop, 913 00:50:34.840 --> 00:50:35.320 he said. 914 00:50:35.400 --> 00:50:36.599 Now I'm talking about they. 915 00:50:37.039 --> 00:50:41.840 My insurance is not is not what you call it United. 916 00:50:42.159 --> 00:50:45.079 I have a Medicare with a supplement that Integra found me. 917 00:50:45.800 --> 00:50:48.960 But I want to ask in general, John, can they 918 00:50:49.199 --> 00:50:54.239 refuse to send mail? Because Greg told us and I 919 00:50:54.679 --> 00:50:56.880 heard that they do not have to because of the 920 00:50:56.920 --> 00:51:00.920 Paperwork Reduction Act, they do not have to send paper statements. 921 00:51:01.320 --> 00:51:03.480 But do you know the rule John, when it comes 922 00:51:03.519 --> 00:51:05.840 to health insurance explanation of benefits? 923 00:51:08.239 --> 00:51:10.440 My understanding is that you as the patient, you as 924 00:51:10.519 --> 00:51:17.360 the consumer, you have the right to request paper uh papers. 925 00:51:18.760 --> 00:51:20.360 And as part of the application for any of these 926 00:51:20.400 --> 00:51:22.639 health insurance companies is do you want to go to 927 00:51:22.679 --> 00:51:26.400 your email or do you want it paper forms? 928 00:51:26.400 --> 00:51:26.719 Paper? 929 00:51:26.760 --> 00:51:28.519 And of course think that there are there are things 930 00:51:28.519 --> 00:51:32.480 that are mandated to be sent through mail, but certain 931 00:51:32.519 --> 00:51:35.239 things like eobs and things like that aren't, and so 932 00:51:35.280 --> 00:51:37.239 you don't have to get them through bye bye paper. 933 00:51:37.360 --> 00:51:40.519 No, but could they could they could they set that 934 00:51:40.599 --> 00:51:43.119 out as a condition in the beginning that we will 935 00:51:43.159 --> 00:51:44.039 not send them out. 936 00:51:47.079 --> 00:51:48.559 I don't know if it's set out as a condition 937 00:51:48.639 --> 00:51:50.760 in the beginning, but there is typically on a health 938 00:51:50.760 --> 00:51:53.199 insurance application a box that you check saying I prefer 939 00:51:53.239 --> 00:51:57.519 to have it through through electronic uh, you know, transmission 940 00:51:57.519 --> 00:51:58.119 to that information. 941 00:51:58.239 --> 00:52:02.119 So Greg, Greg, did you do you specifically ever go 942 00:52:02.239 --> 00:52:06.599 online on your profile on United Healthcare? Do you have 943 00:52:06.639 --> 00:52:09.159 online access to them? 944 00:52:09.320 --> 00:52:13.400 Well, it's not the explanation of benefits. I'm having the 945 00:52:13.440 --> 00:52:17.119 problem with it. It's the actual bills because the explanation 946 00:52:17.199 --> 00:52:20.039 of benefits just says medical supplies, but it doesn't give 947 00:52:20.079 --> 00:52:21.480 me any detail whatsoever. 948 00:52:21.519 --> 00:52:23.760 Hold on, hold on, but let me ask you a 949 00:52:23.800 --> 00:52:24.760 couple of questions. Greg. 950 00:52:25.039 --> 00:52:27.000 Are you getting the EOB by mail? 951 00:52:28.039 --> 00:52:30.559 Yes, I am. I don't have any problem with you. 952 00:52:30.679 --> 00:52:33.920 Then I'm sorry, John, I misunderstood John. So then the 953 00:52:33.960 --> 00:52:37.599 meta stay on, though, John, So it's actually the provider 954 00:52:38.159 --> 00:52:40.000 that is not giving you the bill. 955 00:52:40.920 --> 00:52:41.280 Correct. 956 00:52:42.440 --> 00:52:47.199 Now, normally let's not take this provider. But normally when 957 00:52:47.239 --> 00:52:49.639 you go to a doc or anyone, do you get 958 00:52:49.639 --> 00:52:52.920 bills by mail or do they go directly to your insurance. 959 00:52:53.920 --> 00:52:57.079 Uh, I get I get bills by mail. I mean 960 00:52:57.119 --> 00:52:58.920 I get the explanation of benefit. 961 00:52:59.480 --> 00:53:02.119 I'm not about EOB anymore. Now I'm asking about this. 962 00:53:02.239 --> 00:53:05.840 If you go to a normal doc with your health insurance, 963 00:53:06.480 --> 00:53:08.679 you get a copy of the bill they send to 964 00:53:08.719 --> 00:53:10.559 the insurance company. 965 00:53:12.239 --> 00:53:14.719 They give me a bill to say what I owe. 966 00:53:16.239 --> 00:53:19.719 Okay, that's your out of pocket. But on that bill, 967 00:53:20.400 --> 00:53:22.320 do you see the whole bill. 968 00:53:22.199 --> 00:53:23.119 And an explanation? 969 00:53:23.559 --> 00:53:26.119 I don't mean an EOB, but I mean, for example, 970 00:53:26.199 --> 00:53:27.800 you go to your primary care. 971 00:53:27.920 --> 00:53:29.239 They do some lab work. 972 00:53:29.480 --> 00:53:32.679 Do you get a breakdown of what your insurance paid 973 00:53:33.119 --> 00:53:33.800 and what. 974 00:53:33.679 --> 00:53:37.119 You need to pay on the doctor bill? 975 00:53:40.480 --> 00:53:40.880 I don't know. 976 00:53:40.880 --> 00:53:43.239 I'd have to look at one, but I think I 977 00:53:43.280 --> 00:53:45.800 think I do. I mean, it gives me enough information 978 00:53:45.960 --> 00:53:48.800 to know, like, you know, it was a doctor visit, 979 00:53:48.960 --> 00:53:51.239 and then where's the procedure? So they they give you 980 00:53:51.320 --> 00:53:51.840 So there's. 981 00:53:51.679 --> 00:53:53.039 An out of pocket bill. 982 00:53:53.199 --> 00:53:59.239 You receive an out of pocket bill? Yes, okay, what 983 00:53:59.360 --> 00:54:02.840 I want to know is this, You receive an out 984 00:54:02.880 --> 00:54:06.480 of pocket bill from every provider you went to except 985 00:54:07.079 --> 00:54:07.920 for the CPAP. 986 00:54:09.639 --> 00:54:10.360 That's correct. 987 00:54:11.480 --> 00:54:16.639 Did you ever order another medical appliance in the past. 988 00:54:17.559 --> 00:54:18.679 No, that's my first time. 989 00:54:19.480 --> 00:54:21.519 Okay, John, what do you make of this? 990 00:54:21.840 --> 00:54:26.880 He can't get the supplier of the CPAP. Now, Greg, 991 00:54:27.280 --> 00:54:31.280 did a doctor prescribe the cpath and did the doctor 992 00:54:31.320 --> 00:54:35.239 bill you? Or did the CPAPS supplier bill you directly? 993 00:54:37.199 --> 00:54:41.519 So the CPAP supplier is the one I'm on the 994 00:54:41.519 --> 00:54:44.079 hooked for for the payments, and I've just seen it 995 00:54:44.159 --> 00:54:45.800 on the explanation of benefits. 996 00:54:46.599 --> 00:54:51.760 So but okay, So the CPAPS supplier did not send 997 00:54:51.840 --> 00:54:54.480 it to the doc who then released it to you. 998 00:54:57.000 --> 00:54:59.039 I could call my E and T to see if 999 00:54:59.079 --> 00:55:01.639 they got any bills, but I can I imagine it 1000 00:55:01.719 --> 00:55:02.400 probably did not. 1001 00:55:03.440 --> 00:55:05.559 Did the e NT send you a bill. 1002 00:55:06.559 --> 00:55:08.159 Not for the se PEP machine, No. 1003 00:55:09.119 --> 00:55:13.199 But for the for the visits to diagnose your apnea? 1004 00:55:14.159 --> 00:55:14.480 Yes? 1005 00:55:15.719 --> 00:55:19.119 And on those bills you're satisfied they were sent by mail. 1006 00:55:20.360 --> 00:55:20.679 Yes? 1007 00:55:21.440 --> 00:55:21.920 Okay. 1008 00:55:22.159 --> 00:55:25.559 So John, it all comes down to the supplier of 1009 00:55:25.599 --> 00:55:30.159 the spath sending the bill directly to the insurance company 1010 00:55:30.559 --> 00:55:33.800 and will not mail him one. Now, personally, I don't 1011 00:55:33.840 --> 00:55:36.800 know why he cares, because the EOB says what he 1012 00:55:36.880 --> 00:55:40.519 owes and and that and and by the way, Greg, 1013 00:55:41.039 --> 00:55:44.079 the out of pocket, who do you send it to 1014 00:55:44.360 --> 00:55:47.039 United Healthcare or the SEPAP supplier. 1015 00:55:48.639 --> 00:55:51.159 I would send it to Aerocare. And I mean the 1016 00:55:51.199 --> 00:55:52.280 reason I'm dissatisfied. 1017 00:55:52.440 --> 00:55:54.400 How do you send it to Aerocare if they did 1018 00:55:54.440 --> 00:55:55.440 not send you a bill. 1019 00:55:57.000 --> 00:55:59.360 I just paid the amount that they said to pay 1020 00:55:59.480 --> 00:55:59.960 from the. 1021 00:56:00.119 --> 00:56:03.119 That who said to pay that who said to pay. 1022 00:56:04.119 --> 00:56:05.159 The United Healthcare. 1023 00:56:06.800 --> 00:56:10.159 So United Healthcare tells you what to pay to Errowcare. 1024 00:56:10.440 --> 00:56:12.639 How do you know where to send it to Errowcare. 1025 00:56:14.320 --> 00:56:17.559 I've just been using the United Healthcare portal to pay it. 1026 00:56:17.599 --> 00:56:20.400 But the last okay, I got it, I got it, now, 1027 00:56:20.480 --> 00:56:21.159 got it, got it? 1028 00:56:21.199 --> 00:56:22.119 Got it, John. 1029 00:56:22.440 --> 00:56:25.400 So he goes on United Healthcare, he sees his portion, 1030 00:56:25.599 --> 00:56:29.400 and he pays, and it goes to Arrowcare. He wants 1031 00:56:29.440 --> 00:56:32.599 to know why Erowcare will not send him a bill. Again, 1032 00:56:32.719 --> 00:56:35.679 I don't know the reason. He has access to everything 1033 00:56:35.679 --> 00:56:38.280 on his portal. But do you do you know if 1034 00:56:38.320 --> 00:56:42.079 suppliers are different than healthcare providers? 1035 00:56:42.840 --> 00:56:44.760 Well, so if I can ask you a question real quick, 1036 00:56:44.760 --> 00:56:47.119 because it sounds like part of the frustration is that 1037 00:56:47.679 --> 00:56:54.480 the breakdown explanation for you, sir, is not is not 1038 00:56:55.000 --> 00:56:56.559 it doesn't give you enough information. 1039 00:56:56.599 --> 00:56:58.639 It's not clear correct. 1040 00:56:58.639 --> 00:57:00.679 It just says medical supply. I don't know if it's 1041 00:57:00.760 --> 00:57:02.599 rental of the machine. I don't know if it was 1042 00:57:02.639 --> 00:57:05.400 some supplies that I ordered. I don't know anything what 1043 00:57:05.519 --> 00:57:05.960 it is. 1044 00:57:06.360 --> 00:57:08.880 That supplies and that would be DM, that would be 1045 00:57:09.000 --> 00:57:11.199 under you know, your durable medical equipment that would fall 1046 00:57:11.199 --> 00:57:16.599 into that whatever the SEPAP health insurance plan exactly your SEPAP, however, 1047 00:57:16.639 --> 00:57:22.599 your health insurance plan specifically covers DM and and so 1048 00:57:23.480 --> 00:57:25.880 then a sitting process of course through your health insurance 1049 00:57:25.920 --> 00:57:29.440 plan according to those benefits are according to that benefit structure, 1050 00:57:29.440 --> 00:57:33.360 and then you're left with what you owe now, right. 1051 00:57:33.400 --> 00:57:35.039 But I don't know whether it's a rental of the 1052 00:57:35.159 --> 00:57:38.519 machine or a mask to that body anything, just medical supplies. 1053 00:57:38.559 --> 00:57:41.199 That that is very vague, I mean. 1054 00:57:41.119 --> 00:57:43.679 And your insurance doesn't tell you. 1055 00:57:43.719 --> 00:57:43.800 No. 1056 00:57:45.880 --> 00:57:48.239 Okay, certainly, I think people have a right to know 1057 00:57:48.280 --> 00:57:51.960 what they're paying for. But to be honest with you here, 1058 00:57:52.159 --> 00:57:54.280 I don't think it's going to be that important because 1059 00:57:54.760 --> 00:57:58.320 no matter but no matter what it is, United Healthcare 1060 00:57:58.400 --> 00:58:00.599 is not going to pay or make you pay anything 1061 00:58:00.599 --> 00:58:04.039 that's not legit. They're really strict on what they pay out. 1062 00:58:04.280 --> 00:58:06.800 But John does he have a case wanting to know 1063 00:58:06.840 --> 00:58:09.800 what he's paying for. It sounds logical to me that 1064 00:58:09.920 --> 00:58:13.440 he should be. I mean, I have to. 1065 00:58:13.400 --> 00:58:14.000 Take this pray. 1066 00:58:14.079 --> 00:58:18.000 Hold on, guys, I know this nippicking and maybe Greg's 1067 00:58:18.000 --> 00:58:19.920 a pain in the ass, but I don't know if 1068 00:58:19.920 --> 00:58:20.559 it's so bad. 1069 00:58:20.679 --> 00:58:22.679 I think that there's nothing. 1070 00:58:22.360 --> 00:58:24.960 Wrong with someone wanting to know what they're paying for. 1071 00:58:25.039 --> 00:58:27.239 Hold on both of you, if you can. We have 1072 00:58:27.320 --> 00:58:29.440 more coming up on the Troubleshooter Show. Three O three 1073 00:58:29.639 --> 00:58:32.199 seven one three eight two five. I speaking of health, 1074 00:58:32.440 --> 00:58:35.039 Denverregen dot com for stem cell therapy. 1075 00:58:35.239 --> 00:58:36.320 I love these guys. 1076 00:58:36.840 --> 00:58:46.960 It works Denverregion dot com. Go with a sure thing 1077 00:58:47.079 --> 00:58:50.400 Denver's best roofer Excel Roofing dot com. You don't pay 1078 00:58:50.400 --> 00:58:56.519 a cent until you're content. Time for an insurance check 1079 00:58:56.599 --> 00:59:00.480 up free, no obligation. In comparison, call Compass Insurance paying 1080 00:59:00.480 --> 00:59:03.519 too much your coverage at dozens of insurance companies find 1081 00:59:03.559 --> 00:59:05.920 out now three all three seven seven to one help. 1082 00:59:06.079 --> 00:59:08.719 You'll think you're his only customer when you choose Frank 1083 00:59:08.760 --> 00:59:11.199 durand the real estate Man dot com to list your 1084 00:59:11.239 --> 00:59:14.360 home with Remax Alliance three all three nine two zero 1085 00:59:14.519 --> 00:59:20.760 sixteen twenty two. Hi Tom, Martino your troubleshooter three all 1086 00:59:20.800 --> 00:59:23.320 three seven one three talk. I want to remind you 1087 00:59:23.320 --> 00:59:25.079 you can always text me, and I got a lot 1088 00:59:25.079 --> 00:59:28.519 of texts to go through on my Google number comes 1089 00:59:28.599 --> 00:59:32.599 direct to my cell phone, including calls and voicemail. But 1090 00:59:33.440 --> 00:59:35.920 I have it through Google so I can turn it 1091 00:59:35.960 --> 00:59:38.559 on and off if I need to. I haven't needed to. 1092 00:59:38.639 --> 00:59:40.679 It's a it's a wonderful thing. You can have direct 1093 00:59:40.719 --> 00:59:44.880 access seven four seven nine nine nine fifty two eighty 1094 00:59:46.000 --> 00:59:49.599 seven four seven nine nine nine fifty two eighty and uh, 1095 00:59:49.719 --> 00:59:52.199 let me go back to the phone though. So to 1096 00:59:52.280 --> 00:59:55.480 finish this up, John Jones Juniors with Integra Insurance, by 1097 00:59:55.519 --> 01:00:00.920 the way, for your health insurance needs, were talking about 1098 01:00:01.440 --> 01:00:05.719 he gets all his bills by mail except from the 1099 01:00:05.760 --> 01:00:09.079 supplier of the seapap. They will not give him a 1100 01:00:09.119 --> 01:00:12.639 paper bill, and he simply wants to know what does 1101 01:00:12.679 --> 01:00:15.920 the invoice look like? Is he renting? Is he buying? 1102 01:00:16.000 --> 01:00:18.400 Is he buying this? Is he buying that? By the way, Greg, 1103 01:00:18.480 --> 01:00:22.079 a quick question, since you began the adventure with the seapap, 1104 01:00:22.639 --> 01:00:24.800 did you get do you get any Are there any 1105 01:00:24.840 --> 01:00:27.840 supplies to buy with the seapap? Are there filters or 1106 01:00:27.880 --> 01:00:30.840 face masks or tubing or anything you have to replace 1107 01:00:31.199 --> 01:00:33.159 or have you simply kept the same gear? 1108 01:00:34.480 --> 01:00:36.719 Oh, you have to replace it. I mean these these 1109 01:00:37.400 --> 01:00:41.159 supplies are you know, basically disposable after a while. 1110 01:00:41.440 --> 01:00:44.400 And now what I asked Greg, what I asked is 1111 01:00:44.760 --> 01:00:48.119 have you replaced stuff supplies? 1112 01:00:48.880 --> 01:00:49.480 Yes? I have. 1113 01:00:49.559 --> 01:00:52.280 I should tell you that as of August of last year, 1114 01:00:52.320 --> 01:00:55.639 I disconnected from Aerocaren. I'm with a different company now 1115 01:00:55.679 --> 01:00:57.840 for my supplies. 1116 01:00:58.039 --> 01:01:04.000 Okay, So aero Care only supplied the supplies. 1117 01:01:04.920 --> 01:01:06.079 They supplied the machine. 1118 01:01:06.079 --> 01:01:08.440 I mean, excuse me, now, they only supply now you 1119 01:01:08.559 --> 01:01:10.400 still have their machine, though, is what I meant. 1120 01:01:11.440 --> 01:01:13.559 All right now, as far as I understand, I own 1121 01:01:13.639 --> 01:01:15.360 the machine, but I'm not even sure of that. 1122 01:01:15.920 --> 01:01:17.480 Okay, here's what I want to know. 1123 01:01:18.000 --> 01:01:20.920 On the previous excuse me, on the new supplier, do 1124 01:01:21.039 --> 01:01:22.360 they send you paper bills? 1125 01:01:23.920 --> 01:01:26.039 They've sent me one paper bill so far? Yes? 1126 01:01:26.239 --> 01:01:26.480 Good? 1127 01:01:26.599 --> 01:01:27.280 Okay, good. 1128 01:01:27.440 --> 01:01:33.559 So all we're talking about is the machine itself, and 1129 01:01:33.639 --> 01:01:37.159 do you have recurring bills since you switch suppliers? 1130 01:01:38.000 --> 01:01:40.559 The machine itself plus nine months of supplies. 1131 01:01:41.360 --> 01:01:45.519 So right now, though, the call today is it about 1132 01:01:45.559 --> 01:01:47.719 the past nine months of supplies? 1133 01:01:48.599 --> 01:01:52.760 It's about everything that Erica builled me. It's basically twenty 1134 01:01:52.800 --> 01:01:56.039 twenty three all the way through, like, okay, twenty three, 1135 01:01:56.079 --> 01:01:58.840 and then they still build me through March of this year. 1136 01:02:00.079 --> 01:02:02.840 What did they bill you for through March? March of 1137 01:02:02.960 --> 01:02:03.480 this year? 1138 01:02:04.400 --> 01:02:05.480 Medical supplies? 1139 01:02:06.199 --> 01:02:08.480 And then you switched in March of this year. 1140 01:02:09.960 --> 01:02:13.280 I actually stopped using Aerocare in August. It took me 1141 01:02:13.519 --> 01:02:16.039 like four months to get onboarded, Okay. 1142 01:02:15.960 --> 01:02:17.599 I get it. I get it. 1143 01:02:18.039 --> 01:02:23.280 So basically, John, he simply wants paper explanations for the 1144 01:02:23.360 --> 01:02:28.440 bills he's received from Aerocare. Does Aerocare have an online 1145 01:02:28.519 --> 01:02:31.679 portal for you, Greg, where you could download PDFs or not? 1146 01:02:33.119 --> 01:02:35.280 They have never told me. I've talked to them four 1147 01:02:35.360 --> 01:02:39.320 times and I've asked them semis okay. 1148 01:02:38.440 --> 01:02:40.679 Now again again again. 1149 01:02:41.199 --> 01:02:44.400 I have some people texting me saying you sound like 1150 01:02:44.440 --> 01:02:45.760 a pain in the ass. But I want to make 1151 01:02:45.800 --> 01:02:46.280 this clear. 1152 01:02:46.760 --> 01:02:48.519 I don't think you're being a pain in the ass. 1153 01:02:48.559 --> 01:02:51.639 I see no reason why you should not have complete 1154 01:02:52.159 --> 01:02:56.239 records of what you paid for. John Jones is not 1155 01:02:56.400 --> 01:02:58.960 part of this. He's just a health insurance expert. John. 1156 01:02:59.800 --> 01:03:01.320 Is there are a way to get this done? 1157 01:03:01.360 --> 01:03:01.880 You think? 1158 01:03:03.920 --> 01:03:04.960 Greg? Explain again? 1159 01:03:05.000 --> 01:03:06.519 Real quick for me, if you don't mind. 1160 01:03:06.320 --> 01:03:07.000 Just quickly. 1161 01:03:08.159 --> 01:03:10.840 You've spoken with air okare several times? You said four times, 1162 01:03:11.000 --> 01:03:12.559 and every time they just tell you no. 1163 01:03:14.199 --> 01:03:15.760 They say they're going to do it, and they never do. 1164 01:03:17.039 --> 01:03:19.000 Okay, so they say they're going to do it, but 1165 01:03:19.039 --> 01:03:24.000 they don't correct, gotcha. So that means it's not that 1166 01:03:24.039 --> 01:03:26.400 they're not able to. It doesn't mean that they're not. 1167 01:03:27.519 --> 01:03:30.480 They're not. They don't have to. They just end up 1168 01:03:31.000 --> 01:03:32.159 not following through on it. 1169 01:03:33.920 --> 01:03:34.159 Yeah. 1170 01:03:35.639 --> 01:03:39.280 Wow, crazy crap, I'm telling you. 1171 01:03:39.360 --> 01:03:40.760 Yeah. I mean, then you're just with. 1172 01:03:42.320 --> 01:03:43.800 Poor, poor, poor customers. 1173 01:03:43.599 --> 01:03:47.440 Okay, I just found out we on their website hold on, 1174 01:03:47.840 --> 01:03:48.880 hold on, hold on. 1175 01:03:48.920 --> 01:03:51.719 Hold on fifty for a machine that costs seven hundred. 1176 01:03:51.760 --> 01:03:54.920 And I listen, man, I just found something out. And 1177 01:03:54.960 --> 01:03:57.239 I'm sure it's not going to be pleasing to you, 1178 01:03:57.679 --> 01:04:00.320 but it's the best. It's the best thing I can 1179 01:04:00.320 --> 01:04:01.159 do for you right now. 1180 01:04:01.840 --> 01:04:04.519 There is a website that provides. 1181 01:04:04.119 --> 01:04:07.280 An online portal. All you have to do is give 1182 01:04:07.280 --> 01:04:10.079 your name an account number, and you can visit the 1183 01:04:10.079 --> 01:04:14.159 portal and download every single bill in a PDF form 1184 01:04:14.519 --> 01:04:17.119 and look at what you're paying for. And I'll give 1185 01:04:17.119 --> 01:04:19.920 you the website here. It is Okay, it's it's it's 1186 01:04:20.119 --> 01:04:25.400 total access to everything build to your insurance company in 1187 01:04:25.440 --> 01:04:27.039 your name and to you. 1188 01:04:27.719 --> 01:04:30.519 It's Arrow Care U S A. 1189 01:04:32.719 --> 01:04:45.559 Dot h M E bill pay dot com. 1190 01:04:45.559 --> 01:04:50.199 Okay, h T h M E billpay dot com. 1191 01:04:50.480 --> 01:04:53.760 Yeah, h M E, which probably stands for home bill 1192 01:04:54.000 --> 01:04:57.360 pay dot com. Now what you have to do on 1193 01:04:57.440 --> 01:05:02.000 this is register first, and then they'll send you a 1194 01:05:02.039 --> 01:05:03.840 code and all you need do you have an account 1195 01:05:03.920 --> 01:05:05.519 number with them? 1196 01:05:06.920 --> 01:05:08.679 I have no idea what that would be. 1197 01:05:09.239 --> 01:05:11.840 Okay, here's what they're asking for, first name, last name, 1198 01:05:11.920 --> 01:05:12.639 email address. 1199 01:05:12.679 --> 01:05:15.280 That's all. Actually you don't need anything else. And then 1200 01:05:15.320 --> 01:05:15.920 you have to. 1201 01:05:15.880 --> 01:05:19.280 Do a verification process. Listen, why don't you try that? 1202 01:05:20.000 --> 01:05:22.679 Let us know how it works. Three O three seven 1203 01:05:22.719 --> 01:05:31.719 one three eight two five five. Go with a sure 1204 01:05:31.840 --> 01:05:34.960 thing Denver's best roofer Excel roofing dot com. 1205 01:05:35.000 --> 01:05:37.000 You don't pay a cent until you're content. 1206 01:05:40.360 --> 01:05:43.559 Time for an insurance check up free no obligation comparison 1207 01:05:43.679 --> 01:05:47.239 call Compass insurance paying too much your coverage at dozens 1208 01:05:47.280 --> 01:05:50.000 of insurance companies. Find out now three oh three seven 1209 01:05:50.119 --> 01:05:52.920 seven to one help. You'll think you're his only customer 1210 01:05:52.960 --> 01:05:55.199 when you choose Frank durand the real estate man dot 1211 01:05:55.239 --> 01:05:58.559 com to list your home with Remax Alliance three oh 1212 01:05:58.599 --> 01:06:04.800 three nine two zero sixteen twenty two. Hey, I'm Tom Martino, 1213 01:06:04.880 --> 01:06:08.079 your troubleshooter excel Roofings with us in the house and 1214 01:06:08.239 --> 01:06:11.079 one of the things I harp about is cooling your house. 1215 01:06:11.119 --> 01:06:15.280 And we're not gonna, you know, delay this too much, 1216 01:06:15.519 --> 01:06:18.480 but the attic ventilation, so they're just finishing up a 1217 01:06:18.559 --> 01:06:22.920 job for me. This is a true story. Henry said, 1218 01:06:22.920 --> 01:06:26.079 I want to check your attic because my daughter was 1219 01:06:26.119 --> 01:06:28.400 complaining about the ac up there, even though I have 1220 01:06:28.480 --> 01:06:30.559 the whole house fan, and the whole house fan has 1221 01:06:30.599 --> 01:06:33.239 worked perfectly on cooler days, but when it got that 1222 01:06:33.360 --> 01:06:37.519 really hot weather, Henry went up there and looked at 1223 01:06:37.519 --> 01:06:39.920 the attic and said, I don't even know how this 1224 01:06:40.000 --> 01:06:43.599 fan's working because it's being choked. Go with a sure 1225 01:06:43.679 --> 01:06:47.119 thing Denver's Best roofer excel Roofing dot com. You don't 1226 01:06:47.119 --> 01:06:53.159 pay a cent until you're content. Time for an insurance 1227 01:06:53.239 --> 01:06:56.960 check up free, no obligation. In comparison, call Compass Insurance 1228 01:06:57.119 --> 01:06:59.960 paying too much your coverage at dozens of insurance company 1229 01:07:00.239 --> 01:07:02.800 find out now three all three seven seven one help 1230 01:07:02.960 --> 01:07:05.599 you'll think you're his only customer when you choose Frank 1231 01:07:05.679 --> 01:07:08.119 durand the real estate Man dot com to list your 1232 01:07:08.159 --> 01:07:11.320 home with Remax Alliance three all three nine two zero 1233 01:07:11.400 --> 01:07:12.400 sixteen twenty two. 1234 01:07:13.199 --> 01:07:23.239 Yeah Rift you need so you don't have. 1235 01:07:25.400 --> 01:07:27.840 Come, run in just as fast as we can. 1236 01:07:29.119 --> 01:07:31.800 Shooter's gonna help coming. 1237 01:07:31.599 --> 01:07:38.119 Man Dix is the Troubleshooter Show. Now, Tom Martine, Hello. 1238 01:07:37.920 --> 01:07:41.079 I'm Tom. Welcome to the show. Three O three seven 1239 01:07:41.639 --> 01:07:44.360 one three talk three all three seven one three. 1240 01:07:44.119 --> 01:07:45.480 Eight two five five. 1241 01:07:46.280 --> 01:07:49.480 We are here to help you solve your problems, answer questions, 1242 01:07:49.480 --> 01:07:51.280 and take your complaints. This hour brought to you by 1243 01:07:51.320 --> 01:07:57.000 Excel Roofing. Excel is an excellent Excel Roofing dot Com 1244 01:07:57.000 --> 01:07:59.880 three oh three seven six one sixty four hundred. Well, 1245 01:08:00.159 --> 01:08:04.039 talking about the importance of attic ventilation for your entire house, 1246 01:08:04.159 --> 01:08:07.719 I'm going to tell you something you need to have 1247 01:08:07.760 --> 01:08:09.760 a check. And then if you're having your roof done 1248 01:08:09.760 --> 01:08:12.840 it's automatic. And then what else is out there in 1249 01:08:12.960 --> 01:08:16.760 the roofing industry that can keep us from having repeat 1250 01:08:16.840 --> 01:08:20.199 visits and truly impact resistant. 1251 01:08:20.199 --> 01:08:22.239 We'll talk about Charlie. 1252 01:08:23.439 --> 01:08:24.479 What's going on? Sir? 1253 01:08:26.600 --> 01:08:29.239 Hey Tom, Hey Tom, Thanks Dave my call. 1254 01:08:29.600 --> 01:08:30.319 So I go on. 1255 01:08:32.199 --> 01:08:36.319 I got a civil penalty from the Colorado Transportation Investment 1256 01:08:36.399 --> 01:08:37.760 Office and. 1257 01:08:37.960 --> 01:08:41.279 That's the I seventy and that, let me guess it 1258 01:08:41.319 --> 01:08:45.479 was for going in and out of those high occupancy lanes. 1259 01:08:46.920 --> 01:08:49.000 Yep, exactly, that's what they're saying. 1260 01:08:49.840 --> 01:08:52.560 Yeah, I know everyone's getting a man, I'm telling you. 1261 01:08:53.560 --> 01:08:57.399 And here's what they do. If you visit that if 1262 01:08:57.399 --> 01:09:01.279 you swerve in and out of that lane and you 1263 01:09:01.399 --> 01:09:05.479 do not enter where the broken lines are and exit 1264 01:09:05.479 --> 01:09:07.119 where the broken lines are. 1265 01:09:07.840 --> 01:09:08.960 You will get a ticket. 1266 01:09:09.439 --> 01:09:11.720 They have an algorithm that tracks you going in or 1267 01:09:11.760 --> 01:09:13.640 going out and whether or not you. 1268 01:09:13.640 --> 01:09:14.199 Hit a toll. 1269 01:09:18.720 --> 01:09:22.399 Okay, so now so with that, go ahead with that said. 1270 01:09:23.159 --> 01:09:25.359 With that said, real quick like, they sent me the 1271 01:09:25.439 --> 01:09:28.680 photos right and it just it's just a photo of 1272 01:09:28.680 --> 01:09:31.359 my car and the license plate. It was taken at night. 1273 01:09:31.560 --> 01:09:36.760 You can't tell what lane I'm in at all. Number one. 1274 01:09:36.880 --> 01:09:42.199 Number two, the loss specifically states that if there is 1275 01:09:42.319 --> 01:09:45.520 a reason to go into that lane, I eat, an 1276 01:09:45.560 --> 01:09:48.960 animal pulls, jumps out in front of you, or the 1277 01:09:49.039 --> 01:09:52.279 vehicle in front of you puts on their brakes excessively, 1278 01:09:52.399 --> 01:09:55.680 and you have to safely swerve to maneuver so you 1279 01:09:55.680 --> 01:09:59.039 don't hit that vehicle, which was in my case it was. 1280 01:10:00.920 --> 01:10:03.399 They then the penalty should not apply. 1281 01:10:03.840 --> 01:10:04.359 How much? 1282 01:10:04.560 --> 01:10:07.079 How much is the fine? 1283 01:10:08.560 --> 01:10:11.880 One hundred and fifty dollars plus at a beutification? Because 1284 01:10:11.960 --> 01:10:16.840 I sent in my rebuttal to the to the regional ticket, 1285 01:10:17.479 --> 01:10:21.720 they turned around and just sent it back as adjudicated 1286 01:10:21.760 --> 01:10:24.239 as guilty and sent it to me as one hundred 1287 01:10:24.239 --> 01:10:24.920 and eighty dollars. 1288 01:10:25.319 --> 01:10:29.039 Now wait a minute, how can they adjudicate it without you? 1289 01:10:29.479 --> 01:10:31.000 There's a court hearing, right or not? 1290 01:10:32.880 --> 01:10:34.680 At what I thought, but apparently not. 1291 01:10:35.800 --> 01:10:38.039 Well, what if you don't pay that? Eventually it's going 1292 01:10:38.079 --> 01:10:38.880 to end up in court? 1293 01:10:40.840 --> 01:10:43.399 Well, they according to this ticket, they said, they're just 1294 01:10:43.439 --> 01:10:45.479 going to hand it over to the collection agency. 1295 01:10:46.199 --> 01:10:48.520 Well I understand that, but then what do you think 1296 01:10:48.520 --> 01:10:49.800 a collection agency does. 1297 01:10:52.279 --> 01:10:54.279 Correct, they're going to put it up against my credit 1298 01:10:54.319 --> 01:10:55.079 and try to collect. 1299 01:10:55.920 --> 01:10:59.479 Well, no, they're going to have to They're going to 1300 01:10:59.520 --> 01:11:03.840 have to take to court to get a judgment. You see. 1301 01:11:03.920 --> 01:11:07.199 I don't understand though, when you said they adjudicated it, 1302 01:11:07.439 --> 01:11:09.119 I don't think you're reading that correctly. 1303 01:11:09.560 --> 01:11:11.000 It didn't go to a judge. 1304 01:11:12.880 --> 01:11:14.920 Well, correct, it did not go to a judge. It 1305 01:11:15.000 --> 01:11:19.199 went to a what did they but did they give them? 1306 01:11:19.319 --> 01:11:22.840 They gave them a title. My apologies, I have it 1307 01:11:22.880 --> 01:11:23.560 here in front of me. 1308 01:11:24.640 --> 01:11:24.960 Okay. 1309 01:11:25.000 --> 01:11:27.920 What I need to know is, hold on this notice 1310 01:11:27.960 --> 01:11:31.520 that you got of adjudication. Who did that come from? 1311 01:11:32.439 --> 01:11:35.239 It came from? It said final order of liability from 1312 01:11:35.239 --> 01:11:40.039 the Colorado Transportation and Investment Office. 1313 01:11:38.840 --> 01:11:43.359 Colorado Transportation Investment Office. And is that who sent the 1314 01:11:43.359 --> 01:11:44.199 original ticket? 1315 01:11:46.239 --> 01:11:46.680 Correct? 1316 01:11:48.720 --> 01:11:51.119 Okay, what a hell of a name for that? And 1317 01:11:51.199 --> 01:11:54.000 so was it called a hearing officer or what? 1318 01:11:56.039 --> 01:12:03.319 Yeah, so it was trying to see exactly because it's 1319 01:12:03.359 --> 01:12:08.319 got a natural individual name on here, but they're not 1320 01:12:08.439 --> 01:12:12.279 showing his title. It says hearing off officer. 1321 01:12:12.319 --> 01:12:17.640 Correct, hearing Okay, hearing Okay, yep, so you had a hearing. 1322 01:12:17.840 --> 01:12:20.960 I don't even understand how you have a hearing. By 1323 01:12:21.000 --> 01:12:23.520 the way, none of this really matters because you will 1324 01:12:23.560 --> 01:12:26.680 lose eventually, and I don't think that's right, but you 1325 01:12:26.760 --> 01:12:29.560 will because you don't have any any kind of proof 1326 01:12:29.920 --> 01:12:31.640 that you're going to be able to use, and they 1327 01:12:31.680 --> 01:12:34.560 will adjudicate against you eventually. But I just think it's 1328 01:12:34.680 --> 01:12:38.760 weird they did it without at least you having your say. 1329 01:12:40.560 --> 01:12:44.399 Well, I guess what gets me is because the laws 1330 01:12:44.399 --> 01:12:45.600 specified if. 1331 01:12:45.520 --> 01:12:47.720 I understand that, but you have to prove it. 1332 01:12:48.600 --> 01:12:51.600 So if you don't have a dash cam or anything 1333 01:12:51.720 --> 01:12:57.920 like that, you don't have evidence. Okay, Charlie, I'm not 1334 01:12:58.199 --> 01:13:00.319 I'm not trying to be a deliver or a bad 1335 01:13:00.359 --> 01:13:04.279 news I'm telling you the facts that you can fight 1336 01:13:04.319 --> 01:13:07.359 it all you want. You will eventually lose, and the 1337 01:13:07.359 --> 01:13:09.560 one eighty is going to be three sixty or four 1338 01:13:09.720 --> 01:13:12.800 fifty or something like that. But just so you know, 1339 01:13:12.960 --> 01:13:16.279 I mean you can fight it. I'm looking it up here. 1340 01:13:16.600 --> 01:13:24.600 You can fight it. So it is a civil penalty. 1341 01:13:25.800 --> 01:13:30.159 They're saying, I have thirty days, yeah, to appeal it. 1342 01:13:30.439 --> 01:13:35.119 That's right, and you should as long as you want. Now, remember, 1343 01:13:35.800 --> 01:13:37.960 the more they look at it, the more it goes up. 1344 01:13:38.199 --> 01:13:41.039 It's kind of like blackmail. But most of the time, 1345 01:13:41.079 --> 01:13:44.279 to be really straight with the road, they don't get 1346 01:13:44.279 --> 01:13:46.760 it wrong. Most of the time you said a car 1347 01:13:46.840 --> 01:13:50.880 made you swerve out of the way. I don't know 1348 01:13:51.000 --> 01:13:53.920 what did they They don't have to prove did you 1349 01:13:54.039 --> 01:13:56.680 present any evidence or did you just state it? 1350 01:13:58.039 --> 01:13:58.239 No? 1351 01:13:58.359 --> 01:13:59.600 I did present evidence. 1352 01:14:00.039 --> 01:14:00.880 What was your evidence? 1353 01:14:00.880 --> 01:14:02.960 That's why, that's why what was your evidence? 1354 01:14:03.760 --> 01:14:06.039 What was your evidence? 1355 01:14:08.319 --> 01:14:09.880 So photos that I have? 1356 01:14:10.640 --> 01:14:11.840 What photos do you have. 1357 01:14:13.640 --> 01:14:16.239 From a It wasn't a video from a dash cam, 1358 01:14:16.319 --> 01:14:19.560 but it was showing how the I took it with 1359 01:14:19.640 --> 01:14:24.840 my cell phone that everybody else was on on on 1360 01:14:24.880 --> 01:14:28.600 their on their breaks effectively came up over the hill. 1361 01:14:29.159 --> 01:14:32.800 I swerved into the express lane because that was the 1362 01:14:32.880 --> 01:14:35.880 closest exit that I had without rear ending the vehicle 1363 01:14:35.920 --> 01:14:36.439 in front of me. 1364 01:14:36.760 --> 01:14:39.560 Okay, and you took a picture of that, So you 1365 01:14:39.680 --> 01:14:42.199 had the presence of mind to take a picture of that. 1366 01:14:44.600 --> 01:14:47.560 Correct. And here's what even gets me even more? 1367 01:14:48.640 --> 01:14:51.000 Is it is it date stamped? Is it date and 1368 01:14:51.039 --> 01:14:51.840 time stamped? 1369 01:14:52.359 --> 01:14:52.920 No, it's not. 1370 01:14:56.279 --> 01:14:57.079 Why isn't it? 1371 01:14:58.800 --> 01:15:01.079 Well, I mean it's not on It's probably it's in 1372 01:15:01.119 --> 01:15:03.920 the metadata, but it's not on the photo itself. 1373 01:15:04.199 --> 01:15:06.279 So if you use an iPhone, if you just swipe 1374 01:15:06.359 --> 01:15:09.079 up on that picture, it'll show you all that information. 1375 01:15:10.520 --> 01:15:10.960 Correct. 1376 01:15:11.520 --> 01:15:13.359 Well, then you take a strange shot. 1377 01:15:13.119 --> 01:15:16.279 Of that when I submitted, when I submitted everything, I 1378 01:15:16.279 --> 01:15:17.880 don't know if that transfers with it. 1379 01:15:20.079 --> 01:15:22.640 I don't know if it does either the metadata, I 1380 01:15:22.680 --> 01:15:23.039 don't know. 1381 01:15:23.039 --> 01:15:24.520 They even take it into consideration. 1382 01:15:25.079 --> 01:15:27.119 Of course, if it was a true if it was 1383 01:15:27.159 --> 01:15:32.159 true evidence, they should Now can you send it to us? 1384 01:15:32.760 --> 01:15:34.600 Yeah, I can say, I'll send I'll send you guys 1385 01:15:34.600 --> 01:15:35.920 everything that I sent them. 1386 01:15:36.279 --> 01:15:38.840 Okay, I want to know the separate attachments. I want 1387 01:15:38.840 --> 01:15:43.680 to look at it. Look sure, as I said, I 1388 01:15:43.720 --> 01:15:45.560 can't believe you had the presence of mind. So when 1389 01:15:45.560 --> 01:15:50.119 you swerved to get out of the way, when everyone 1390 01:15:50.279 --> 01:15:53.199 was stopped, you pulled your cell phone up and took 1391 01:15:53.239 --> 01:15:58.279 a picture, saying, I'm not going to be nailed for this, correct, 1392 01:15:58.359 --> 01:16:04.520 I swear? So wait, wait, so you knew you knew that, 1393 01:16:04.880 --> 01:16:07.479 you knew that you shouldn't have swerved into that lane, 1394 01:16:07.880 --> 01:16:10.399 and when you did, you felt you needed to take 1395 01:16:10.439 --> 01:16:11.880 a picture to protect yourself. 1396 01:16:12.960 --> 01:16:16.840 So my phone is up on my dashboard. 1397 01:16:16.640 --> 01:16:18.479 Got it? Okay, Yeah, I know what you. 1398 01:16:18.479 --> 01:16:22.239 Mean, already mounted I normally I actually normally have have 1399 01:16:22.439 --> 01:16:26.800 it recording as a dash cam. Yeah that reason. Yeah, 1400 01:16:26.840 --> 01:16:29.439 and I have been nailed for going in the lane 1401 01:16:29.479 --> 01:16:33.119 and out of the lane prior to them actually issuing tickets. 1402 01:16:33.159 --> 01:16:36.239 So I was mindful of the fact, right go in it, 1403 01:16:36.359 --> 01:16:39.359 they will right you right? So mindful of the fact 1404 01:16:39.399 --> 01:16:43.159 that you know I have an express toll I'm fully 1405 01:16:43.199 --> 01:16:46.359 registered with Express Tool, with the sticker and my tag. 1406 01:16:47.000 --> 01:16:50.439 So of course I was aware that you can't just 1407 01:16:50.520 --> 01:16:52.600 go in and out as you please, that you have 1408 01:16:52.640 --> 01:16:56.159 to go in the designated entry points and exit points. 1409 01:16:57.079 --> 01:17:02.760 Okay, so then you when you hold over were you at? Yeah? 1410 01:17:02.840 --> 01:17:06.039 When I swerved in because everybody was coming to a 1411 01:17:06.079 --> 01:17:10.039 full stop and I swerved into it, that's when I 1412 01:17:10.119 --> 01:17:13.960 just turned around and grabbed my quite pushed the button 1413 01:17:14.000 --> 01:17:16.920 on my phone and hit the camera thing not the 1414 01:17:17.000 --> 01:17:19.840 video because it defaulted to a photo, and held it 1415 01:17:19.880 --> 01:17:23.199 down and it took a burst of showing all the 1416 01:17:23.239 --> 01:17:24.039 traffic stuff. 1417 01:17:24.119 --> 01:17:27.319 I'd love to see those. Well, there is a possibility 1418 01:17:27.359 --> 01:17:28.000 you could win. 1419 01:17:29.600 --> 01:17:33.159 Because my mentality is these guys are just going stamp. 1420 01:17:33.399 --> 01:17:36.159 I get a percentage of this fine. 1421 01:17:36.520 --> 01:17:38.680 Well, hold on, hold on, hold. 1422 01:17:38.439 --> 01:17:39.800 On, iteration of facts. 1423 01:17:42.159 --> 01:17:50.479 Okay, here's the deal. I don't think that's the case. 1424 01:17:50.720 --> 01:17:54.399 I don't think. I think obviously they want to collect. 1425 01:17:54.479 --> 01:17:57.199 I just think they're lazy. 1426 01:17:58.239 --> 01:17:59.760 There you go. I would agree with that. 1427 01:18:04.479 --> 01:18:09.319 So I want to know how far will they take it? 1428 01:18:09.840 --> 01:18:13.000 What do you think? 1429 01:18:13.680 --> 01:18:16.840 That's a great question, And considering it's not even an 1430 01:18:16.960 --> 01:18:20.520 actual state department, it's an investment group out of all. 1431 01:18:20.640 --> 01:18:25.039 Well, how do you know it's Colorado Transportation? Did you 1432 01:18:25.079 --> 01:18:25.720 look them up? 1433 01:18:27.199 --> 01:18:27.439 Yes? 1434 01:18:29.880 --> 01:18:34.560 The Express Tool Lane on I seventy was backed and 1435 01:18:34.760 --> 01:18:37.159 is owned by an Australian group. 1436 01:18:38.199 --> 01:18:40.680 Really yep. 1437 01:18:41.560 --> 01:18:44.399 So effectively the state is collecting a fine on behalf 1438 01:18:44.600 --> 01:18:48.680 of this. Now here's the interesting part. How does the 1439 01:18:48.720 --> 01:18:53.279 find get divvied up between the state and the Transportation 1440 01:18:53.640 --> 01:18:59.840 Investment Office? Okay, that's even the bigger question. 1441 01:19:01.520 --> 01:19:06.439 I don't know, I'm looking it up right now, but 1442 01:19:06.600 --> 01:19:09.680 I think that it doesn't matter. Why does it matter 1443 01:19:09.680 --> 01:19:11.119 how it's divvied up, you tell me. 1444 01:19:13.520 --> 01:19:19.000 Because it's taxpayers money that ultimately is going towards a fine. 1445 01:19:19.359 --> 01:19:19.960 That is case. 1446 01:19:20.399 --> 01:19:23.960 Here's the procedure set out by statute. Here's the procedure 1447 01:19:24.039 --> 01:19:27.479 set out by Here is the procedure set. 1448 01:19:27.239 --> 01:19:28.399 Out by statute. 1449 01:19:29.000 --> 01:19:33.479 The initial dispute, the administrative hearing you went through. Now 1450 01:19:33.520 --> 01:19:35.920 you do it a court appeal. If the hearing does 1451 01:19:35.960 --> 01:19:39.319 not resolve the issue to your satisfaction, you can appeal 1452 01:19:39.560 --> 01:19:42.680 the decision to accounty court. So the administrative hearing is 1453 01:19:42.720 --> 01:19:46.239 not court, it's not a judgment. This is where you 1454 01:19:46.239 --> 01:19:48.359 would have a chance to present your case before a 1455 01:19:48.479 --> 01:19:54.680 judge and then follow the timeline and procedure and you 1456 01:19:54.720 --> 01:19:56.600 can do it. Now. 1457 01:19:56.680 --> 01:19:59.319 The court appeal is a real court hearing. 1458 01:20:00.359 --> 01:20:04.000 Now, if you lose, you will simply be assessed court 1459 01:20:04.039 --> 01:20:09.960 fees and the original and the original fine, not the 1460 01:20:10.000 --> 01:20:13.960 original original, but the one that went up to They 1461 01:20:14.000 --> 01:20:18.560 say it's it's usually a certain amount. Then after so 1462 01:20:18.680 --> 01:20:20.680 many days it goes up to one point fifty, and 1463 01:20:20.720 --> 01:20:24.399 then after the hearing it goes up again. So that's 1464 01:20:24.399 --> 01:20:28.079 what you should do then, I mean, really, you're convinced 1465 01:20:28.560 --> 01:20:32.079 you have a good case. By the way, if you 1466 01:20:32.119 --> 01:20:34.800 bring up to the judge the fact that they split 1467 01:20:34.840 --> 01:20:39.039 the fine and divvied up, that goes nowhere. That's not evidence. 1468 01:20:39.520 --> 01:20:44.399 That's just being pissed off. I mean, truly, it'll have 1469 01:20:44.680 --> 01:20:46.000 zero bearing at all. 1470 01:20:47.319 --> 01:20:50.640 But here here's my dilemma. It says I have to 1471 01:20:50.680 --> 01:20:53.840 appeal it in the court in the county in which 1472 01:20:53.840 --> 01:20:57.439 the safety violation occurred. Being that it was a long 1473 01:20:57.520 --> 01:21:05.399 I seventy and this this fine, the civil penalty was 1474 01:21:05.520 --> 01:21:10.920 coming from Edgewater, Colorado, I have to appeal it in 1475 01:21:11.079 --> 01:21:15.399 the actual county. 1476 01:21:14.159 --> 01:21:16.439 That the So what's the big deal? 1477 01:21:16.560 --> 01:21:18.079 Yeah, yeah, So what's the big deal? 1478 01:21:18.199 --> 01:21:21.000 Okay, I just it's nothing. I've got to figure out 1479 01:21:21.039 --> 01:21:21.840 what county that is. 1480 01:21:22.000 --> 01:21:25.239 That's right, you do, where where that is? 1481 01:21:25.880 --> 01:21:27.640 And then I have to go through that. 1482 01:21:27.760 --> 01:21:31.319 By the way, just so you know, the majority of 1483 01:21:31.439 --> 01:21:39.279 the funds go to the CTIO. A portion of the 1484 01:21:39.319 --> 01:21:44.960 findes are allocated to the state. The vast majority goes 1485 01:21:45.039 --> 01:21:50.159 to the CTIO. The CTIO is mandated to use the 1486 01:21:50.239 --> 01:21:57.039 majority of funds to improve express lanes, cover administrative costs, 1487 01:21:57.920 --> 01:22:02.920 and support enforcement programs. What that means I do not know. 1488 01:22:06.479 --> 01:22:12.800 I just don't know. But even if it's a money grab, 1489 01:22:13.119 --> 01:22:15.960 they're going to say, and most fines are money grabs, 1490 01:22:15.960 --> 01:22:21.720 they really are. But they're saying it's for uh yeah. 1491 01:22:21.760 --> 01:22:25.279 And by the way, they say it is not independent. 1492 01:22:25.439 --> 01:22:29.399 It's owned by the government. I don't know where you found, 1493 01:22:29.880 --> 01:22:31.920 they say. But I'm going to look that up again. 1494 01:22:32.359 --> 01:22:37.560 But they say it's a Colorado owned and operated group. 1495 01:22:38.119 --> 01:22:40.239 But maybe I'm looking it up wrong. I'll find out. 1496 01:22:40.359 --> 01:22:47.399 We have more coming right up. Go with a sure 1497 01:22:47.520 --> 01:22:50.640 thing Denver's Best roofer Excel Roofing dot com. 1498 01:22:50.680 --> 01:22:53.159 You don't pay a cent until you're content. 1499 01:22:55.560 --> 01:22:55.960 Of it. 1500 01:22:56.079 --> 01:22:59.239 Time for an insurance check up, free, no obligation in comparison, 1501 01:22:59.359 --> 01:23:02.960 call comes Insurance paying too much your coverage at dozens 1502 01:23:02.960 --> 01:23:05.680 of insurance companies find out now three all three seven 1503 01:23:05.800 --> 01:23:08.800 seven one help. You'll think you're his only customer when 1504 01:23:08.840 --> 01:23:11.319 you choose Frank durand the real estate Man dot com 1505 01:23:11.319 --> 01:23:14.439 to list your home with Remax Alliance three all three 1506 01:23:14.520 --> 01:23:26.359 nine to zero sixteen twenty two. Hi Tom Martino, your 1507 01:23:26.560 --> 01:23:31.640 troubleshooter three oh three seven one three talk three oh 1508 01:23:31.720 --> 01:23:35.399 three seven one three eight two five five. Welcome to 1509 01:23:35.479 --> 01:23:37.720 the show, folks. We're here to help you solve problems, 1510 01:23:37.760 --> 01:23:40.640 answer questions, take complaints, make your life a little easier. 1511 01:23:41.399 --> 01:23:45.680 And we have Aspen on Aspen, what's going on? 1512 01:23:49.319 --> 01:23:53.279 Hello, Tomm. I just have a little bit of a 1513 01:23:53.560 --> 01:23:57.520 situation with a contractor. It all kind of started in 1514 01:23:57.840 --> 01:24:03.720 July with me purchasing materials for a roof deck that 1515 01:24:03.800 --> 01:24:08.279 he was supposed to do for me, and uh so 1516 01:24:08.439 --> 01:24:08.960 I brought. 1517 01:24:08.840 --> 01:24:11.399 Out why what what what was he hold on? 1518 01:24:12.000 --> 01:24:13.359 Was he a roofer? 1519 01:24:15.000 --> 01:24:20.159 No, he's I saw he's a contractor that does uh 1520 01:24:21.439 --> 01:24:25.479 different kinds of work. He's uh he repaired my deck 1521 01:24:25.600 --> 01:24:27.399 for me first. 1522 01:24:27.760 --> 01:24:30.119 Yeah, but here's what I want to know, Aspen, what's 1523 01:24:30.159 --> 01:24:31.399 the name of the company. 1524 01:24:32.680 --> 01:24:33.000 There. 1525 01:24:33.039 --> 01:24:38.279 It was just an independent guy. His name is Jepson, Josh. 1526 01:24:38.600 --> 01:24:41.279 Now, yeah, I want to know is this why did 1527 01:24:41.319 --> 01:24:43.840 you hire him? How did you know you needed a 1528 01:24:43.960 --> 01:24:44.600 roof deck? 1529 01:24:48.039 --> 01:24:52.079 It's something that I've been trying to put together to 1530 01:24:52.520 --> 01:24:54.319 try Why how do you know that. 1531 01:24:54.239 --> 01:24:57.239 Not every people don't even know they have a roof deck, 1532 01:24:57.319 --> 01:24:59.840 let alone, they need a new one and they can't. 1533 01:25:00.439 --> 01:25:03.000 So how did you know you needed a new one? 1534 01:25:05.479 --> 01:25:07.800 There is none? He was supposed to put it on. 1535 01:25:09.960 --> 01:25:12.880 Wait wait, I just need to are you talking about 1536 01:25:12.880 --> 01:25:15.119 a deck or a roof deck? 1537 01:25:19.000 --> 01:25:21.159 A roof that is supposed to go on a deck? 1538 01:25:23.239 --> 01:25:23.560 Oh? 1539 01:25:23.680 --> 01:25:28.439 I'm sorry, dear, gotcha? Are roof over a deck? Gotcha? Okay? 1540 01:25:28.640 --> 01:25:29.399 So what happened? 1541 01:25:29.399 --> 01:25:31.039 Then? 1542 01:25:32.439 --> 01:25:37.439 I purchased the materials for him to do that, and 1543 01:25:38.000 --> 01:25:40.800 he was supposed to bring the materials to my house. 1544 01:25:41.439 --> 01:25:43.920 Oh when you say you purchased the materials, you gave 1545 01:25:44.000 --> 01:25:45.960 him the money? 1546 01:25:46.119 --> 01:25:47.000 Yes, to do it. 1547 01:25:47.079 --> 01:25:51.600 How much did you pay him from the materials? 1548 01:25:51.680 --> 01:25:55.039 It was two thousand dollars. 1549 01:25:55.399 --> 01:25:57.359 And what kind of material was it? What was he 1550 01:25:57.399 --> 01:25:58.239 going to put on there? 1551 01:25:59.720 --> 01:26:03.600 He was going to put a steel roof on there. 1552 01:26:04.319 --> 01:26:07.960 With what size is it to me, it's a. 1553 01:26:09.039 --> 01:26:12.640 Twenty He said that it was twenty feet. 1554 01:26:15.319 --> 01:26:16.840 Twenty by twelve or something. 1555 01:26:17.760 --> 01:26:18.840 Yeah, twenty by twelve. 1556 01:26:19.560 --> 01:26:21.600 Now, Henry, what does that sound like to you? 1557 01:26:21.640 --> 01:26:24.600 He was probably gonna get that, you know, the It 1558 01:26:24.680 --> 01:26:26.840 sounds to me like you probably went to one of 1559 01:26:26.880 --> 01:26:28.560 these building supplier places. 1560 01:26:29.079 --> 01:26:31.520 And how much it does two grand? 1561 01:26:31.640 --> 01:26:31.960 Sound? 1562 01:26:33.640 --> 01:26:36.079 Yeah, it's twenty by twelve. 1563 01:26:37.720 --> 01:26:40.079 So I just I wanted to clarify this is not 1564 01:26:40.119 --> 01:26:42.880 an insurance deal, right, and this is this is the 1565 01:26:43.119 --> 01:26:45.880 roof covering your deck. This isn't the roof deck? 1566 01:26:45.880 --> 01:26:48.159 He right, No, it's not. But is it an insurance 1567 01:26:48.239 --> 01:26:48.720 job though? 1568 01:26:48.840 --> 01:26:52.239 Or is it is it an insurance job? 1569 01:26:52.359 --> 01:26:54.159 Or is it just something you wanted to do? 1570 01:26:56.000 --> 01:26:58.760 It's just what I wanted to do. There is no insurance. 1571 01:26:58.920 --> 01:27:00.880 Have you ever heard this guy again? 1572 01:27:03.560 --> 01:27:03.720 No? 1573 01:27:03.880 --> 01:27:07.199 I haven't heard from him in three or four days. 1574 01:27:07.880 --> 01:27:10.760 Okay, okay, hold on, So you just paid him three 1575 01:27:10.800 --> 01:27:11.600 or four days ago? 1576 01:27:12.960 --> 01:27:13.039 No. 1577 01:27:13.239 --> 01:27:18.159 I paid him for the material on July like thirtieth, 1578 01:27:18.800 --> 01:27:20.920 and then he said that the material had to get 1579 01:27:20.920 --> 01:27:24.399 shipped to the home depot that he purchased it at, 1580 01:27:25.600 --> 01:27:27.840 and then he was going to deliver it to my 1581 01:27:27.960 --> 01:27:32.039 house and start the work when he was there with 1582 01:27:32.079 --> 01:27:32.600 the material. 1583 01:27:32.720 --> 01:27:33.079 So was that? 1584 01:27:33.239 --> 01:27:35.720 Okay? So how many? So what did you hear from 1585 01:27:35.800 --> 01:27:36.800 him a few days. 1586 01:27:36.600 --> 01:27:43.920 Ago that he was going to come by to the 1587 01:27:44.000 --> 01:27:48.399 house and he did. He showed up on August seventh 1588 01:27:49.680 --> 01:27:54.000 to do some repair work to part of the deck 1589 01:27:54.119 --> 01:28:00.199 that he completed, and then after that he left. Then 1590 01:28:00.239 --> 01:28:01.920 I haven't heard from him since. 1591 01:28:02.479 --> 01:28:05.479 So the deck he completed or did some work on, 1592 01:28:06.359 --> 01:28:08.880 was that the one he was covering? 1593 01:28:09.199 --> 01:28:10.960 Is that the one he's going to cover with a roof? 1594 01:28:12.640 --> 01:28:12.880 Yes? 1595 01:28:13.000 --> 01:28:15.880 It is. We needed to do some structural repair to 1596 01:28:16.680 --> 01:28:18.239 the railings in there. 1597 01:28:18.079 --> 01:28:18.960 And did he fix it? 1598 01:28:19.039 --> 01:28:20.239 Did he fix that part? 1599 01:28:22.079 --> 01:28:22.359 Yes? 1600 01:28:22.439 --> 01:28:24.000 He was able to fix that part. 1601 01:28:25.239 --> 01:28:28.399 Okay, So what makes you think he won't be back? 1602 01:28:30.560 --> 01:28:35.920 Because I've tried calling him, and then my neighbor, who 1603 01:28:35.960 --> 01:28:38.920 has also had some work done by him, has tried 1604 01:28:38.960 --> 01:28:40.600 calling him, and. 1605 01:28:45.239 --> 01:28:49.960 We're going to call him for you. Is Chopper still there, 1606 01:28:51.680 --> 01:28:53.119 I'm here, I could use the case. 1607 01:28:53.920 --> 01:28:55.760 Yeah, let's do that. I'm going to give this to 1608 01:28:55.800 --> 01:28:58.800 Deputy Chopper. He's going to call this guy and find 1609 01:28:58.840 --> 01:29:02.319 out what the hell's going on. Did you talk to 1610 01:29:02.399 --> 01:29:04.399 him since he fixed the deck Aspen? 1611 01:29:06.000 --> 01:29:06.199 Oh? 1612 01:29:06.399 --> 01:29:08.159 No, I haven't all right. 1613 01:29:08.079 --> 01:29:09.279 Let's take this case for you. 1614 01:29:09.359 --> 01:29:11.479 Hold on, okay, dear, hold on three all three seven 1615 01:29:11.520 --> 01:29:13.359 one three talks seven one three, eight two five five. 1616 01:29:13.439 --> 01:29:20.399 Now let's talk to excel now speaking of roof decking, 1617 01:29:20.520 --> 01:29:22.880 although this wasn't roof decking, but I wanted to ask 1618 01:29:22.960 --> 01:29:28.800 you something on roof decking. If the addict is not 1619 01:29:28.960 --> 01:29:34.600 properly ventilated, will that cause premature where to the decking itself? 1620 01:29:36.600 --> 01:29:39.800 So probably not to the decking itself, but we do 1621 01:29:39.880 --> 01:29:42.520 get heat blisters on asphalt shingles. 1622 01:29:42.119 --> 01:29:43.359 So it comes through the plywood. 1623 01:29:43.359 --> 01:29:45.279 It's like we would go through the plywood onto that 1624 01:29:45.399 --> 01:29:46.880 backing of the shingles. 1625 01:29:46.920 --> 01:29:50.319 And then what happens after heat blistering, It looks. 1626 01:29:50.079 --> 01:29:53.760 Like hail damage. It can often be very close to 1627 01:29:53.800 --> 01:29:56.119 hail damage the way it looks, especially when it loses 1628 01:29:56.119 --> 01:29:57.800 a lot more granules. 1629 01:29:57.239 --> 01:29:59.359 And can it then lead to leaking. 1630 01:30:00.439 --> 01:30:02.600 I mean further down the road, But it's for sure 1631 01:30:02.600 --> 01:30:05.640 hail damage. And you know what XL. We like to 1632 01:30:05.640 --> 01:30:08.399 do a lot of restoration work. Yeah, but when we 1633 01:30:08.439 --> 01:30:11.960 go around, we'll check ventilation, we'll check for heat blisters, 1634 01:30:12.039 --> 01:30:14.079 we will check tiles. Like when I just set off 1635 01:30:14.119 --> 01:30:16.560 your roof. I just I checked all the pop tiles, 1636 01:30:16.600 --> 01:30:17.279 you know, going through. 1637 01:30:17.319 --> 01:30:19.359 We had quite a few broken ones, right yeah. 1638 01:30:19.199 --> 01:30:20.800 And we just pulled them out and fixed them. So 1639 01:30:21.119 --> 01:30:23.720 that's one thing that we we really do differently than 1640 01:30:23.760 --> 01:30:25.920 a lot of these companies. They just want to get in, 1641 01:30:26.399 --> 01:30:28.840 do a full roof, and then head out. We'll go 1642 01:30:28.920 --> 01:30:31.279 through and do maintenance. You know, people talk about roof 1643 01:30:31.359 --> 01:30:34.760 maintenance asphalt shingles. There's not a whole lot of maintenance 1644 01:30:34.800 --> 01:30:37.720 you can do tile roofs. There's a lot check them 1645 01:30:37.720 --> 01:30:39.960 in all the flashing, you know, making sure everything's glued 1646 01:30:40.000 --> 01:30:40.720 down correctly. 1647 01:30:40.840 --> 01:30:43.279 And a lot of people have damage to tile roofs 1648 01:30:43.319 --> 01:30:45.600 if they've had solar people up there, or if they've 1649 01:30:45.600 --> 01:30:50.239 had other people up there putting antennas or wiring or broadband. 1650 01:30:50.520 --> 01:30:53.720 They they can crack the corners of that tile pretty easily, 1651 01:30:53.800 --> 01:30:54.359 right yeah. 1652 01:30:54.399 --> 01:30:57.119 So that's called tile pop. And you know, concrete, it's 1653 01:30:57.159 --> 01:30:59.560 just what it does. You know, it cracks, and when 1654 01:30:59.560 --> 01:31:01.279 you have a lot of people walking up on a 1655 01:31:01.359 --> 01:31:04.399 roof like that, it will lead to pops in different 1656 01:31:04.439 --> 01:31:07.640 cracks and that's why that maintenance is necessary. But don't 1657 01:31:07.680 --> 01:31:10.000 be alarmed if you install a new concrete roof and 1658 01:31:10.039 --> 01:31:12.399 see a couple pops off of it. It's pretty normal. 1659 01:31:12.800 --> 01:31:15.319 Just have someone go up there. There's a special glue 1660 01:31:15.359 --> 01:31:18.439 called NP one. It's by this company called Master Seal. 1661 01:31:18.640 --> 01:31:19.079 Yeah. 1662 01:31:19.119 --> 01:31:22.800 I mean it is easier to break the actual tile 1663 01:31:23.159 --> 01:31:24.720 than to get that NP one. 1664 01:31:24.960 --> 01:31:25.800 It works that well. 1665 01:31:25.840 --> 01:31:27.920 It is that Yeah. And when I was telling you, 1666 01:31:28.000 --> 01:31:29.399 I was going up there trying to lift some of 1667 01:31:29.439 --> 01:31:32.039 those tiles up to an installed events and it would 1668 01:31:32.119 --> 01:31:35.000 break the tile before it would break that MP one seal. 1669 01:31:35.199 --> 01:31:36.279 So I'm MP one. 1670 01:31:36.359 --> 01:31:36.640 Okay. 1671 01:31:36.680 --> 01:31:44.199 We have more coming up on the Troubleshooter Show. Go 1672 01:31:44.359 --> 01:31:47.359 with a sure Thing Denver's Best roof of Excel Roofing 1673 01:31:47.479 --> 01:31:48.039 dot com. 1674 01:31:48.119 --> 01:31:50.119 You don't pay a cent until you're content. 1675 01:31:53.479 --> 01:31:56.680 Time for an insurance check up free no obligation comparison 1676 01:31:56.840 --> 01:32:00.479 call Compass Insurance paying too much your coverage? Dozens of 1677 01:32:00.520 --> 01:32:03.439 insurance companies find out now three all three seven seven 1678 01:32:03.479 --> 01:32:06.199 to one help. You'll think you're his only customer when 1679 01:32:06.279 --> 01:32:08.720 you choose Frank durand the Real estate Man dot com 1680 01:32:08.760 --> 01:32:11.880 to list your home with Remax Alliance three all three 1681 01:32:11.960 --> 01:32:22.159 nine two zero sixteen twenty two. Hi Tom Martino, you're 1682 01:32:22.239 --> 01:32:24.960 troubleshooter three O three seven one three talks seven one 1683 01:32:24.960 --> 01:32:30.840 three eight two five five Tony, what's going on? 1684 01:32:30.920 --> 01:32:31.119 Man? 1685 01:32:33.039 --> 01:32:35.640 Oh, I'm you guy, getting ruling back some love. And 1686 01:32:35.680 --> 01:32:37.720 I haven't seen my mom a while, so I started 1687 01:32:37.800 --> 01:32:40.760 visiday and U very respressed. 1688 01:32:40.840 --> 01:32:45.640 Yeah, hold on, Tony, Tony, I'm not understanding you completely. 1689 01:32:45.720 --> 01:32:48.000 Just let's slow it down a little. I'm not understanding. 1690 01:32:48.319 --> 01:32:51.159 So you have an issue with your mother? 1691 01:32:53.079 --> 01:32:56.119 Yes? And her her provider. 1692 01:32:56.479 --> 01:32:57.960 And who is her provider? 1693 01:33:00.399 --> 01:33:01.039 They're called? 1694 01:33:01.199 --> 01:33:04.319 Uh oh, okay. 1695 01:33:04.039 --> 01:33:07.439 It doesn't matter. Hold on, Tony, what issue do you have? 1696 01:33:09.199 --> 01:33:09.479 Okay? 1697 01:33:09.560 --> 01:33:12.359 I have an issue with She's been. 1698 01:33:12.279 --> 01:33:15.560 Off of Medicaid almost a year. He's been trying to 1699 01:33:15.600 --> 01:33:19.560 get back on it. They said they were taking everybody off, 1700 01:33:19.880 --> 01:33:22.560 but there weren't because I have curosis and I've been 1701 01:33:22.600 --> 01:33:27.600 on Medicaid the whole time. I'm still on Medicaid. Okay. 1702 01:33:27.640 --> 01:33:31.560 Now why your mom was taking off Medicaid? Tony? Your 1703 01:33:31.600 --> 01:33:33.920 mom was taking off Medicaid last year? 1704 01:33:35.399 --> 01:33:35.720 Yes? 1705 01:33:37.359 --> 01:33:38.600 And who is paying? 1706 01:33:38.960 --> 01:33:45.000 Who is paying for her care right now? Medicare okay? 1707 01:33:45.479 --> 01:33:47.199 So medicare okay? 1708 01:33:47.239 --> 01:33:55.399 How old is your mom? 1709 01:33:55.640 --> 01:34:02.000 How old is your mom? Did you say hello, Tony? 1710 01:34:02.079 --> 01:34:05.119 How old is your mom? 1711 01:34:05.319 --> 01:34:05.880 There are. 1712 01:34:09.039 --> 01:34:12.560 Is Tony having Can you just take him off the 1713 01:34:12.640 --> 01:34:15.880 air please and see what the issue is before we 1714 01:34:16.000 --> 01:34:17.760 bring him back. Tell him to wait a minute here. 1715 01:34:19.840 --> 01:34:23.600 Can you tell me about Euroshield Euroshield, Henry and what 1716 01:34:23.640 --> 01:34:25.399 you guys are doing with it at EXL. 1717 01:34:25.840 --> 01:34:29.920 Yeah, absolutely so, as everybody pretty much knows now Colorado, 1718 01:34:30.000 --> 01:34:32.720 we experienced a lot of hail and there's always these 1719 01:34:32.760 --> 01:34:35.479 different shifts in the market. We went from cedar shake 1720 01:34:35.640 --> 01:34:37.960 to now asphalt, of course, and there's always these new 1721 01:34:38.000 --> 01:34:38.840 innovations and. 1722 01:34:38.840 --> 01:34:40.720 They like they call them impact resistant. 1723 01:34:40.840 --> 01:34:43.920 Absolutely. So this one that we've been looking into a 1724 01:34:43.960 --> 01:34:46.359 lot and we're doing some installs is this stuff called 1725 01:34:46.359 --> 01:34:50.199 a euroshield, And so it's a really cool material. It's 1726 01:34:50.279 --> 01:34:53.199 really rubberized, so it's more rubbery than like an F 1727 01:34:53.279 --> 01:34:57.119 wave and it's made of seventy percent recycled rubber, so 1728 01:34:57.520 --> 01:34:59.079 it's very eco friendly. 1729 01:34:59.720 --> 01:35:02.600 Is it really more Is it more impact resistant let's 1730 01:35:02.640 --> 01:35:03.359 say the F wave? 1731 01:35:03.520 --> 01:35:06.760 Absolutely, I really believe so. I think the chances of 1732 01:35:06.800 --> 01:35:09.880 a hailstone coming through your roof would be so slim 1733 01:35:09.920 --> 01:35:12.920 that the decking would break before this rubber would break. 1734 01:35:13.039 --> 01:35:15.560 Well, okay, what about so you're saying it doesn't even 1735 01:35:15.560 --> 01:35:16.640 bruise or looked at it. 1736 01:35:16.800 --> 01:35:19.039 No, it's it's rubber, it's like a car tire. 1737 01:35:19.079 --> 01:35:22.680 Okay, so okay, then this is incredible. Then you should 1738 01:35:22.720 --> 01:35:25.560 get major discounts then on insurance for that, you know. 1739 01:35:25.600 --> 01:35:27.680 But that's the thing. The euroshield is going to be 1740 01:35:27.800 --> 01:35:31.279 much more expensive than an asphalt roof. So as a homeowner, 1741 01:35:31.319 --> 01:35:34.720 if you want to upgrade to a guaranteed fifty year shingle, 1742 01:35:34.760 --> 01:35:36.960 you're gonna have to come out of pocket. The insurance 1743 01:35:37.000 --> 01:35:38.000 is not going to bump you up. 1744 01:35:38.039 --> 01:35:39.800 Now, No, no, I know that they won't bump it up. 1745 01:35:39.800 --> 01:35:41.560 But will they give you a discount for having it? 1746 01:35:41.640 --> 01:35:44.279 So that's the tough part, right Because the asphalt shingles 1747 01:35:44.319 --> 01:35:47.680 are graded one through four, So a class four asphalt 1748 01:35:47.720 --> 01:35:50.600 shingle is the highest grade they give right now. So 1749 01:35:50.680 --> 01:35:53.800 there's no class five, right, So there's nothing above that 1750 01:35:53.840 --> 01:35:55.199 class four. There should be. 1751 01:35:55.560 --> 01:35:57.079 There should be because this would be in it. 1752 01:35:57.199 --> 01:35:59.840 The euroshield would be the class five. But there's nothing 1753 01:36:00.279 --> 01:36:00.760 that class. 1754 01:36:01.000 --> 01:36:03.000 So you get the same discount as you would for 1755 01:36:03.119 --> 01:36:03.439 F wave. 1756 01:36:03.640 --> 01:36:06.800 Unfortunately, yes, but with an F wave or I guess 1757 01:36:07.000 --> 01:36:08.560 F wave is a little bit of a different story. 1758 01:36:08.560 --> 01:36:10.760 If it was an asphalt roof, that would be a 1759 01:36:10.760 --> 01:36:13.880 better comparison, because an asphalt roof you'll probably get in 1760 01:36:14.000 --> 01:36:17.960 Colorado ten, fifteen, twenty years maybe out of that roof, 1761 01:36:18.000 --> 01:36:21.439 whereas a Euroshield roof, I mean, you're guaranteed to fifty 1762 01:36:21.520 --> 01:36:23.039 years and then pass that. 1763 01:36:23.399 --> 01:36:26.359 I mean, so what you're saying is it's a lifetime roof. 1764 01:36:26.720 --> 01:36:29.439 It really should be. But there's some drawbacks to it, 1765 01:36:29.560 --> 01:36:32.960 right because it needs snow retention. So that's another big 1766 01:36:33.000 --> 01:36:34.960 expense that you wouldn't have with asphalt. 1767 01:36:35.119 --> 01:36:36.960 You need to put clips on them. 1768 01:36:37.000 --> 01:36:40.039 Absolutely, that stuff is really slippery. 1769 01:36:40.359 --> 01:36:42.720 And if you don't do snow retention, what happens? It 1770 01:36:42.760 --> 01:36:44.359 builds up in the avalanche? 1771 01:36:44.560 --> 01:36:46.760 No, I mean, it won't build up very much. It's 1772 01:36:46.800 --> 01:36:49.119 just gonna let loose. As soon as there's enough weight 1773 01:36:49.199 --> 01:36:50.439 up there, it's just gonna go. 1774 01:36:51.000 --> 01:36:52.000 Well, what's wrong with that? 1775 01:36:52.039 --> 01:36:52.319 Though? 1776 01:36:52.359 --> 01:36:53.760 With shedding snow? 1777 01:36:53.840 --> 01:36:54.560 What's wrong with that? 1778 01:36:54.600 --> 01:36:57.439 You know, there's nothing inherently wrong with it except for 1779 01:36:57.520 --> 01:37:01.479 the danger that you know it poses people walk in get. 1780 01:37:01.800 --> 01:37:04.600 Okay, So, but you guys love Euroshield you. 1781 01:37:04.560 --> 01:37:07.119 Know, I wouldn't say that we love it. We're really 1782 01:37:07.159 --> 01:37:09.319 getting familiar with it and we see a lot of 1783 01:37:09.359 --> 01:37:11.960 potential with it and the testing that it's gone through, 1784 01:37:12.000 --> 01:37:14.000 it just it seems like it's a great solution. 1785 01:37:14.079 --> 01:37:15.039 Let's put it this way. 1786 01:37:15.239 --> 01:37:20.560 With the way hail and insurance is going, I can 1787 01:37:20.600 --> 01:37:24.720 see where you buy this stuff and then exclude hail 1788 01:37:24.760 --> 01:37:27.960 coverage or get such a high deductible that you'll save 1789 01:37:28.000 --> 01:37:29.640 a ton of money for sure. 1790 01:37:29.680 --> 01:37:31.720 And you know, the big thing with us is we 1791 01:37:31.720 --> 01:37:34.239 we service our customers. You know, we maintenance the roof. 1792 01:37:34.319 --> 01:37:36.239 We take care of people. So if we were to 1793 01:37:36.319 --> 01:37:38.479 install one of these things, yeah, we just come out 1794 01:37:38.560 --> 01:37:41.239 routinely double check things, you know, make sure hey, this 1795 01:37:41.399 --> 01:37:45.319 roof is it's it's this is surviving. Yeah, you just 1796 01:37:45.600 --> 01:37:47.359 make sure flashings are all connected. 1797 01:37:47.560 --> 01:37:49.640 Now I know marcz f wave, he loves it. Well, 1798 01:37:49.680 --> 01:37:52.720 we're gonna talk about more about this impact. This might 1799 01:37:52.800 --> 01:37:55.479 be the wave of the future. No pun intended. When 1800 01:37:55.479 --> 01:37:59.119 we're talking about Euroshield. We got that to talk about 1801 01:37:59.119 --> 01:38:06.520 and more coming up. Go with a sure thing Denver's 1802 01:38:06.560 --> 01:38:08.840 Best Roofer Excel roofing dot com. 1803 01:38:08.880 --> 01:38:10.920 You don't pay a cent until you're content. 1804 01:38:12.479 --> 01:38:16.720 Please time for an insurance check up, free no obligation 1805 01:38:16.880 --> 01:38:20.720 comparison call Compass Insurance paying too much your coverage at 1806 01:38:20.760 --> 01:38:23.479 dozens of insurance companies. Find out now three oh three 1807 01:38:23.680 --> 01:38:26.800 seven seven one help. You'll think you're his only customer 1808 01:38:26.840 --> 01:38:29.079 when you choose Frank durand the real estate Man dot 1809 01:38:29.119 --> 01:38:32.479 com to list your home with Remax Alliance. Three oh 1810 01:38:32.479 --> 01:38:34.439 three nine two zero sixteen twenty two. 1811 01:38:35.399 --> 01:38:40.640 Yeah, ripped of. 1812 01:38:42.399 --> 01:38:45.000 News you need advis you. 1813 01:38:45.000 --> 01:38:45.399 Don't have. 1814 01:38:47.640 --> 01:38:51.159 Come run instance as we can show. 1815 01:38:51.319 --> 01:38:52.640 Shooter's gonna help. 1816 01:38:52.880 --> 01:38:55.680 Come man, This is. 1817 01:38:55.640 --> 01:39:00.880 The Troubleshooter Show. No Tom Martinez, Hi. 1818 01:39:00.880 --> 01:39:03.359 Tom Martino here, Welcome to the show. Three oh three 1819 01:39:03.560 --> 01:39:06.399 seven one three talk seven one three eight two five five. 1820 01:39:06.880 --> 01:39:08.800 I'm sorry I haven't gotten to a lot of your texts. 1821 01:39:08.840 --> 01:39:10.560 I have been reading them all and I will get 1822 01:39:10.600 --> 01:39:12.439 to them. 1823 01:39:13.159 --> 01:39:14.880 I had a ton of them. 1824 01:39:15.239 --> 01:39:18.880 This hour brought to you by cellroofing dot com. Let's 1825 01:39:18.880 --> 01:39:24.640 talk the greatest and the coolest products and the best 1826 01:39:24.800 --> 01:39:28.520 way of doing business. No money upfront, ever, you don't 1827 01:39:28.520 --> 01:39:31.560 pay a cent to your content. Diane has a question 1828 01:39:31.600 --> 01:39:35.720 about moving companies. I think is important, but so Diane. 1829 01:39:35.479 --> 01:39:35.840 Hang on? 1830 01:39:35.920 --> 01:39:39.520 Please? Anonymous is next? I hate using anonymous? Can I 1831 01:39:39.600 --> 01:39:40.880 use another kind of name? Here? 1832 01:39:42.319 --> 01:39:42.760 Complain? 1833 01:39:45.119 --> 01:39:46.119 Hello? What's going on? 1834 01:39:48.800 --> 01:39:49.079 Hello? 1835 01:39:49.760 --> 01:39:49.920 Hi? 1836 01:39:50.319 --> 01:39:52.800 Can I Can I call you something? Let me call 1837 01:39:52.840 --> 01:39:55.399 you Jim, at least go ahead, Jim, what's going on? 1838 01:39:57.399 --> 01:39:58.920 Oh yeah, I'm calling for my friend. 1839 01:40:00.840 --> 01:40:04.800 It's within the Vietnamese community. So this this lady, he 1840 01:40:04.960 --> 01:40:05.880 was like a loan shark. 1841 01:40:06.640 --> 01:40:06.920 Yeah. 1842 01:40:07.000 --> 01:40:09.279 Basically a lot of people gave her a lot of 1843 01:40:09.279 --> 01:40:13.439 money and one day. 1844 01:40:12.840 --> 01:40:15.760 And were they all were they all Vietnamese immigrants? 1845 01:40:17.840 --> 01:40:20.199 Yes, they were Americans and they just kind of, you know, 1846 01:40:20.600 --> 01:40:24.119 they trusted her. She had a business that actually sent 1847 01:40:24.319 --> 01:40:25.600 money back to Vietnam. 1848 01:40:25.960 --> 01:40:31.279 Or so American, American, Japanese excuse me, American Vietnamese paid 1849 01:40:31.319 --> 01:40:35.960 this woman a lot of money. Yes, and and and 1850 01:40:35.960 --> 01:40:37.520 this woman you think is crooked. 1851 01:40:39.279 --> 01:40:41.720 Yeah, she actually ended up disappearing. 1852 01:40:42.319 --> 01:40:43.880 And what did they pay her money for? 1853 01:40:45.960 --> 01:40:51.600 Uh, basically to you know, loan other people money as well, you. 1854 01:40:51.560 --> 01:40:54.000 Know, Okay, were they supposed to make a return on 1855 01:40:54.039 --> 01:40:54.760 their investment? 1856 01:40:55.399 --> 01:40:55.760 Yes? 1857 01:40:55.960 --> 01:40:56.359 Correct? 1858 01:40:56.399 --> 01:40:57.319 Oh I get it. 1859 01:40:57.680 --> 01:41:02.880 So a lot of American Vietnamese invested with someone who 1860 01:41:02.960 --> 01:41:08.239 was supposed to use the money and and make loans. 1861 01:41:08.239 --> 01:41:08.600 Correct. 1862 01:41:08.680 --> 01:41:10.720 She was like, yeah, a loan you're pretty much like 1863 01:41:10.760 --> 01:41:11.119 a bank. 1864 01:41:11.800 --> 01:41:13.600 But you're calling her a loan shark. 1865 01:41:15.239 --> 01:41:18.920 Yeah, because you know, you know, I don't think it's 1866 01:41:19.039 --> 01:41:20.479 it's legal what she was doing. 1867 01:41:20.760 --> 01:41:24.560 Okay, Now, do you know anyone Do you know anyone 1868 01:41:24.600 --> 01:41:27.119 that got loans from this lady? 1869 01:41:27.840 --> 01:41:31.520 I don't. I'm just translating it, but I don't know who. 1870 01:41:31.680 --> 01:41:34.439 I don't know anybody specifically who got loans from the lady. 1871 01:41:34.560 --> 01:41:37.960 But I know, well, actually I do. My That's why 1872 01:41:37.960 --> 01:41:40.520 I'm calling for my friend. She got a loan from 1873 01:41:40.520 --> 01:41:44.720 the lady, but she actually gave her own money, you know, yeah, 1874 01:41:44.800 --> 01:41:47.359 to give for this lady for I mean, she's worked off. 1875 01:41:47.359 --> 01:41:49.439 Okay, so the friend that you have, how much did 1876 01:41:49.439 --> 01:41:50.960 your friend invest? 1877 01:41:51.760 --> 01:41:53.960 One hundred and thirty thousand is what she told me. 1878 01:41:55.199 --> 01:41:58.279 So do you have a friend that invests that invested 1879 01:41:58.319 --> 01:41:59.680 one hundred and thirty thousand? 1880 01:42:01.359 --> 01:42:01.720 Correct? 1881 01:42:02.239 --> 01:42:03.880 And what did she get back? 1882 01:42:05.279 --> 01:42:05.640 Nothing? 1883 01:42:06.560 --> 01:42:10.800 She she was supposed to get something back, like the 1884 01:42:10.880 --> 01:42:13.840 end a couple of months ago. She was supposed to 1885 01:42:13.880 --> 01:42:17.680 get something back, but the lady pretty much packed up 1886 01:42:17.720 --> 01:42:24.640 and disappeared. We don't know where she's at. You have 1887 01:42:24.800 --> 01:42:29.520 a business, she had a business here off of federal uh, 1888 01:42:29.920 --> 01:42:33.800 you know, to wire money back to Vietnam for instance. 1889 01:42:33.800 --> 01:42:37.399 Now, was she was the woman who was doing this 1890 01:42:37.720 --> 01:42:41.439 if it's a scam, this so called con woman. Was 1891 01:42:41.479 --> 01:42:43.479 she a US citizen, do you know? 1892 01:42:44.399 --> 01:42:48.319 Yes, yes, yes, she had been here for you know. 1893 01:42:49.000 --> 01:42:51.920 Was she a Vietnamese? Was she the American Vietnamese? 1894 01:42:52.880 --> 01:42:53.199 Yes? 1895 01:42:54.239 --> 01:42:56.239 And she was taking advantage. 1896 01:42:55.760 --> 01:43:00.359 Of her she was she was basically conning her own community. 1897 01:43:01.800 --> 01:43:08.960 Yes, correct, this whole community. I've heard rumors that she'd 1898 01:43:08.960 --> 01:43:12.199 probably have I'm boards of like ten million dollars. I'm 1899 01:43:12.239 --> 01:43:14.199 not even sure if that's at the room. 1900 01:43:14.319 --> 01:43:17.079 Obviously, God, how long has she been operating? 1901 01:43:19.159 --> 01:43:23.239 Twenty years? Twenty plus years, I would say. 1902 01:43:22.720 --> 01:43:23.800 Doing the same thing. 1903 01:43:26.680 --> 01:43:29.279 Oh well, if she had the business of wiring money 1904 01:43:29.279 --> 01:43:30.960 back to Vietnam, how was her business? 1905 01:43:30.960 --> 01:43:31.079 Now? 1906 01:43:31.560 --> 01:43:33.479 What I want to know is how long did your 1907 01:43:33.560 --> 01:43:47.119 friend have this money invested? How many years ago? 1908 01:43:47.680 --> 01:43:48.720 Probably about ten years? 1909 01:43:48.720 --> 01:43:52.720 She says she invested one hundred and thirty ten years ago. 1910 01:43:53.680 --> 01:43:56.680 Within ten within the ten years. She would just get 1911 01:43:56.760 --> 01:43:59.399 her you know, if she would work and save, work 1912 01:43:59.439 --> 01:44:01.359 and save, give this lady. 1913 01:44:01.520 --> 01:44:05.600 Oh okay, why did she keep doing it? What was 1914 01:44:06.119 --> 01:44:09.880 she hoping to have some kind of retirement account? Probably? 1915 01:44:09.960 --> 01:44:13.239 Yeah, just you know, instead of like it in the bank, 1916 01:44:13.560 --> 01:44:14.560 she would trust this later. 1917 01:44:14.600 --> 01:44:19.079 Now, do you know other Vietnamese people, other American Vietnamese 1918 01:44:19.520 --> 01:44:22.840 who lost similar amounts of money? 1919 01:44:23.039 --> 01:44:26.319 I do not know them personally. I just heard rumors that, 1920 01:44:26.720 --> 01:44:31.000 you know, even a couple might have lost like four 1921 01:44:31.079 --> 01:44:32.720 hundred thousand in their retirement. 1922 01:44:32.840 --> 01:44:33.079 You know. 1923 01:44:33.840 --> 01:44:35.199 Oh that is sad. 1924 01:44:35.680 --> 01:44:39.039 Let me let me ask you something specifically. 1925 01:44:38.600 --> 01:44:39.560 Let me ask you something. 1926 01:44:39.760 --> 01:44:43.439 Do you think did any of them contact the FBI? 1927 01:44:45.680 --> 01:44:46.199 I don't know. 1928 01:44:47.520 --> 01:44:50.079 Well, we need to make a case here. We need 1929 01:44:50.119 --> 01:44:52.840 to open some kind of a case. It may or 1930 01:44:52.840 --> 01:44:57.960 may not help, but at least we can get started there. Now, 1931 01:44:58.279 --> 01:45:00.560 if you could be my contact, I'd love it. I 1932 01:45:00.560 --> 01:45:03.680 will not divulge your your identity, but I would like 1933 01:45:03.760 --> 01:45:05.720 to have at least your name behind the scenes so 1934 01:45:05.760 --> 01:45:06.560 I can call you. 1935 01:45:06.680 --> 01:45:07.279 Is that okay? 1936 01:45:09.479 --> 01:45:09.720 Sure? 1937 01:45:11.039 --> 01:45:12.399 And really what I'd like. 1938 01:45:12.399 --> 01:45:16.520 To do is I'd like to start by getting your 1939 01:45:16.640 --> 01:45:17.960 friend to. 1940 01:45:18.039 --> 01:45:19.600 Report to the FBI. 1941 01:45:21.680 --> 01:45:25.600 Okay, because truly, this is what this is the kind 1942 01:45:25.640 --> 01:45:30.800 of thing the FBI will look at, especially it's It's truly. 1943 01:45:32.119 --> 01:45:34.279 One of the things they really concentrate on. 1944 01:45:34.600 --> 01:45:37.399 And I'm not telling you they're going to automatically find 1945 01:45:37.439 --> 01:45:40.279 this woman. But does anyone have a clue where this 1946 01:45:40.319 --> 01:45:41.039 woman went. 1947 01:45:42.680 --> 01:45:43.399 I don't think so. 1948 01:45:45.760 --> 01:45:47.960 Ah, okay, I. 1949 01:45:48.000 --> 01:45:50.560 Mean just gone back to Vietnam, is my assumption. 1950 01:45:50.760 --> 01:45:54.159 Just you know, do you think she amassed a big 1951 01:45:54.199 --> 01:45:54.960 amount of money? 1952 01:45:57.159 --> 01:45:57.880 I think she did. 1953 01:45:58.119 --> 01:46:01.279 I don't know. I don't know if the rumor is true. 1954 01:46:01.319 --> 01:46:05.600 You know, people talk, but I don't. I don't really. Yeah, 1955 01:46:07.079 --> 01:46:09.239 from a relative of mine who. 1956 01:46:09.159 --> 01:46:09.720 Kind of knew her. 1957 01:46:10.680 --> 01:46:13.199 Do you speak Vietnam? Do you speak Vietnamese? 1958 01:46:14.640 --> 01:46:14.880 Yeah? 1959 01:46:14.880 --> 01:46:15.079 I do. 1960 01:46:15.399 --> 01:46:20.119 I mean it's not advance or anything enough to dis communicate, 1961 01:46:21.159 --> 01:46:22.439 are you okay? 1962 01:46:22.960 --> 01:46:28.359 Is is your friend able to find other victims? 1963 01:46:29.840 --> 01:46:33.279 I don't think so. I asked her that, and she 1964 01:46:33.800 --> 01:46:37.079 doesn't know of anybody that this is, this has happened to. 1965 01:46:38.199 --> 01:46:40.439 Do you have a name for the con Do you 1966 01:46:40.439 --> 01:46:42.640 have a name for the woman that was collecting money? 1967 01:46:44.840 --> 01:46:45.039 Yeah? 1968 01:46:45.199 --> 01:46:46.039 She owned the business. 1969 01:46:46.960 --> 01:46:48.520 And what was the name of her business? 1970 01:46:50.119 --> 01:46:52.960 Uh? 1971 01:46:53.119 --> 01:46:53.920 I have the card? 1972 01:46:53.960 --> 01:46:54.319 Tom? 1973 01:46:54.479 --> 01:46:55.079 I have the card? 1974 01:46:55.119 --> 01:46:55.319 Tom? 1975 01:46:55.399 --> 01:46:56.600 Yeah? You have you have the card? 1976 01:46:56.680 --> 01:46:56.960 Kelly? 1977 01:46:57.840 --> 01:46:58.199 Kelly. 1978 01:46:58.439 --> 01:46:59.720 What is the name of the woman. 1979 01:47:01.640 --> 01:47:01.800 Uh? 1980 01:47:02.439 --> 01:47:06.199 Okay, I'm going to do my best here without murdering. 1981 01:47:06.359 --> 01:47:08.279 Just spell it, just spell it the first name. 1982 01:47:08.359 --> 01:47:18.920 Do you see h O A N G. Kushong. Sure 1983 01:47:19.039 --> 01:47:19.560 we'll go with that. 1984 01:47:19.880 --> 01:47:24.640 You see h. 1985 01:47:24.840 --> 01:47:27.079 The last name is h O A G. 1986 01:47:28.680 --> 01:47:35.560 Cook Wong yep Cook and and the last name is 1987 01:47:35.600 --> 01:47:36.399 spelled oh. 1988 01:47:37.600 --> 01:47:42.800 Last name is h got it got it couch Hong okay. 1989 01:47:42.960 --> 01:47:44.520 And what was the name of her business? 1990 01:47:46.600 --> 01:47:47.039 Uh? 1991 01:47:47.319 --> 01:47:48.000 That was it? 1992 01:47:48.319 --> 01:47:55.079 I mean it's basically okay, I believe. 1993 01:47:54.840 --> 01:47:59.279 It's Couch Hong. 1994 01:48:01.359 --> 01:48:02.720 Okay. 1995 01:48:02.760 --> 01:48:07.159 Listen, Kelly, did you try the number on that card? 1996 01:48:07.600 --> 01:48:12.119 It's a it's a money Graham B I N a 1997 01:48:12.399 --> 01:48:16.359 money gram business. So it's kind of like Western Union. 1998 01:48:17.319 --> 01:48:21.600 Geez hey, Kelly, is there a number on there? Did 1999 01:48:21.600 --> 01:48:23.000 you try the number on the card? 2000 01:48:23.760 --> 01:48:24.199 I did? 2001 01:48:24.399 --> 01:48:28.000 It doesn't ring to anything, It just continuously rings. 2002 01:48:28.079 --> 01:48:29.760 Doesn't even have an answering machine. 2003 01:48:31.439 --> 01:48:32.359 And is it bill? 2004 01:48:32.560 --> 01:48:34.800 Is it listed as a cell phone or as a 2005 01:48:34.840 --> 01:48:38.720 business phone? There are actually two numbers and they one 2006 01:48:38.760 --> 01:48:42.680 has been disconnected and the other one just rings endlessly. 2007 01:48:43.359 --> 01:48:48.680 Oh man, it's like a cash checking business, also like 2008 01:48:48.720 --> 01:48:51.079 a money gram. Does it like Western what? 2009 01:48:51.439 --> 01:48:54.199 But does it have an actual name the business? 2010 01:48:55.119 --> 01:48:58.000 Yeah, it's pretty much her name, which is Kwang And 2011 01:48:58.039 --> 01:49:02.640 then it says underneath the I N A money Graham 2012 01:49:03.640 --> 01:49:04.880 that's the name of the building. 2013 01:49:06.720 --> 01:49:09.199 Did you say V I N A as in Victor 2014 01:49:09.640 --> 01:49:11.319 v I n A. 2015 01:49:10.960 --> 01:49:20.720 Yeah, yeah, Victor v I n A Vina Okay, and 2016 01:49:20.760 --> 01:49:23.479 it and it's actually called Vina money Graham. 2017 01:49:24.720 --> 01:49:27.359 Correct, Okay, you. 2018 01:49:27.359 --> 01:49:36.720 Know be incorporated and Verna nut check. I'm thinking that's 2019 01:49:36.760 --> 01:49:39.199 the casting your your you know your? 2020 01:49:40.439 --> 01:49:43.600 Is it being a check incorporated or just Vina check. 2021 01:49:45.920 --> 01:49:46.520 Via check? 2022 01:49:46.960 --> 01:49:48.680 But okay, listen. 2023 01:49:50.079 --> 01:49:51.239 And viena check. 2024 01:49:51.520 --> 01:49:53.079 Got it, Kitchina. 2025 01:49:53.439 --> 01:49:55.920 What I want to do is I want to help 2026 01:49:56.079 --> 01:49:59.079 I want to try to find some people who might 2027 01:49:59.119 --> 01:49:59.840 know about this. 2028 01:50:00.119 --> 01:50:05.000 So let's do this. Let's get use. 2029 01:50:05.159 --> 01:50:08.720 I'm going to be the contact here, get as much 2030 01:50:08.760 --> 01:50:13.600 as we can here on contacting mister anonymous here, and 2031 01:50:13.640 --> 01:50:16.640 then send me that card if you can take a 2032 01:50:16.680 --> 01:50:20.520 pic of it and send that to me. Okay, do 2033 01:50:20.640 --> 01:50:25.680 we have any pictures of this woman? I don't know, 2034 01:50:26.720 --> 01:50:28.640 could you and and do you think. 2035 01:50:33.680 --> 01:50:36.760 No, we don't have pictures of her, but she's a 2036 01:50:36.840 --> 01:50:38.920 pretty well known in the community apparently. 2037 01:50:41.000 --> 01:50:44.039 Do you think she's on do you think she's on Facebook? 2038 01:50:46.079 --> 01:50:46.600 Probably? 2039 01:50:47.680 --> 01:50:48.680 If you could. 2040 01:50:48.479 --> 01:50:50.920 Help me, I'm trying to I'd like to try to 2041 01:50:50.960 --> 01:50:52.920 find a picture of her and then I'm going to 2042 01:50:52.960 --> 01:50:55.399 get a hold of the f I bet you if. 2043 01:50:55.239 --> 01:50:57.760 You type in her name or her picture probably would 2044 01:50:57.760 --> 01:50:58.079 come up. 2045 01:51:00.720 --> 01:51:03.239 Hey, Kitchina, could you try doing a search store in 2046 01:51:03.279 --> 01:51:06.359 the break? Okay, hang on and I'm gonna I'm gonna 2047 01:51:06.359 --> 01:51:08.920 be back in touch with you. Three oh three seven 2048 01:51:09.079 --> 01:51:12.000 one three talks seven one three eight two five five 2049 01:51:17.479 --> 01:51:20.720 Go with a sure thing Denver's best roofer Excel Roofing 2050 01:51:20.840 --> 01:51:23.479 dot com. You don't pay a cent until you're content. 2051 01:51:26.840 --> 01:51:30.039 Time for an insurance check up free, no obligation. In comparison, 2052 01:51:30.159 --> 01:51:33.720 call Compass Insurance paying too much your coverage at dozens 2053 01:51:33.760 --> 01:51:36.479 of insurance companies find out now three oh three seven 2054 01:51:36.600 --> 01:51:39.399 seven to one. Help. You'll think you're his only customer 2055 01:51:39.439 --> 01:51:41.680 when you choose Frank durand the real estate Man dot 2056 01:51:41.720 --> 01:51:45.000 com to list your home with Remax Alliance three oh 2057 01:51:45.079 --> 01:51:47.000 three nine two zero sixteen twenty two. 2058 01:51:48.520 --> 01:51:51.279 Hi Tom Martino here, Diane. What's going on? 2059 01:51:51.439 --> 01:51:54.640 You have a question about moving companies? I hope you 2060 01:51:54.680 --> 01:51:57.319 didn't already get ripped off, because it's a big area 2061 01:51:57.359 --> 01:51:58.000 of ripoff. 2062 01:51:59.079 --> 01:52:01.680 I know, and I didn't do anything yet. 2063 01:52:02.039 --> 01:52:03.399 Oh thank goodness. 2064 01:52:06.079 --> 01:52:07.199 I just want to tell you a little bit of 2065 01:52:07.239 --> 01:52:11.560 my situation. I'm seventy one years old, I'm legally blind. 2066 01:52:11.600 --> 01:52:15.600 I walk with a cane, and I know I use 2067 01:52:15.680 --> 01:52:19.600 a cane. And I have a one bedroom apartment and 2068 01:52:20.159 --> 01:52:25.079 I love it. It's small, and my carpet's going to 2069 01:52:25.119 --> 01:52:28.680 be replaced next week. I don't have anybody. I have 2070 01:52:28.720 --> 01:52:32.920 to move this furniture out to a vacant apartment, like 2071 01:52:33.000 --> 01:52:36.039 on Monday, and then they put the carpet in Tuesday, 2072 01:52:36.399 --> 01:52:41.279 and I have to move the furniture back in. I mean, 2073 01:52:41.319 --> 01:52:45.600 it wouldn't even take an hour. You know, I'm getting 2074 01:52:45.680 --> 01:52:48.000 quotes of like one thousand dollars to do this. 2075 01:52:48.840 --> 01:52:53.359 Okay, Now, do you have the blank apartment already set up? 2076 01:52:54.479 --> 01:52:54.680 Yes? 2077 01:52:54.760 --> 01:52:58.720 The management does. Yes, it's just putting it in there overnight. 2078 01:52:58.840 --> 01:53:01.119 It's not setting it up in there, just throwing it 2079 01:53:01.119 --> 01:53:04.239 in there overnight. And then they come back and I 2080 01:53:04.439 --> 01:53:06.840 just the only thing they would have to is hook 2081 01:53:06.880 --> 01:53:07.920 my bed up death. 2082 01:53:08.239 --> 01:53:10.520 What what are the bids you're getting? What are the bids? 2083 01:53:10.520 --> 01:53:11.439 You're getting. 2084 01:53:13.079 --> 01:53:17.119 Five hundred and fifty a day for one So for 2085 01:53:17.920 --> 01:53:21.880 one person? For two well, I think it's going to 2086 01:53:21.880 --> 01:53:23.920 be two people because they have to move a bed. 2087 01:53:24.840 --> 01:53:27.920 Wait and mat, So is it five point fifty for 2088 01:53:28.000 --> 01:53:29.600 the day for two people? 2089 01:53:29.720 --> 01:53:30.039 Yes? 2090 01:53:30.760 --> 01:53:39.119 Yes, So both days will cost you about eleven yes, okay. 2091 01:53:39.840 --> 01:53:41.760 And you have a one bedroom apartment. Do you have 2092 01:53:41.800 --> 01:53:45.159 a lot of big, heavy stuff? No? 2093 01:53:45.680 --> 01:53:50.840 I have a bed, a couch, a death and everything. 2094 01:53:50.920 --> 01:53:53.119 I would pack everything out of it. I mean they 2095 01:53:53.119 --> 01:53:54.800 would just have to lift it and push it there. 2096 01:53:54.960 --> 01:53:57.640 You know, do you own do you own this place? 2097 01:53:58.680 --> 01:53:58.880 Well? 2098 01:53:59.000 --> 01:53:59.880 No, no, I'm rented. 2099 01:54:00.960 --> 01:54:03.000 And who's replacing the carpet? 2100 01:54:03.760 --> 01:54:04.439 The management? 2101 01:54:05.800 --> 01:54:09.439 Okay? And is this mandatory or did they did they 2102 01:54:09.479 --> 01:54:11.640 say you know whether you like it or not? 2103 01:54:11.800 --> 01:54:14.199 Or did you request this and they're doing you a solid? 2104 01:54:16.199 --> 01:54:16.359 Well? 2105 01:54:16.479 --> 01:54:16.720 Both? 2106 01:54:16.920 --> 01:54:17.199 Really? 2107 01:54:17.640 --> 01:54:17.960 Okay? 2108 01:54:17.960 --> 01:54:21.000 Got it? Okay, I have an idea. 2109 01:54:21.800 --> 01:54:27.880 Okay, if if I was doing this, I would not 2110 01:54:28.119 --> 01:54:30.439 use a moving company at this point. 2111 01:54:30.520 --> 01:54:31.920 It's because it's ridiculous. 2112 01:54:32.119 --> 01:54:36.079 Well, it's ridiculous. All you're doing is moving out and 2113 01:54:36.119 --> 01:54:39.479 moving back in. You're and the is the other apartment 2114 01:54:39.560 --> 01:54:40.520 right next to yours? 2115 01:54:41.840 --> 01:54:44.560 I'm not sure I know if I'm the same floor, 2116 01:54:45.159 --> 01:54:46.479 so I'm not okay, right. 2117 01:54:46.680 --> 01:54:48.680 All right now, it's ye. 2118 01:54:49.279 --> 01:54:50.720 Are the halls pretty narrow? 2119 01:54:51.920 --> 01:54:53.399 No, they're very wide. 2120 01:54:53.479 --> 01:54:55.560 It's a new building. We've only been. 2121 01:54:55.359 --> 01:54:57.359 Built eight years ago. They're very well. 2122 01:54:57.439 --> 01:54:59.960 I want I want all my pains in the ass 2123 01:55:00.079 --> 01:55:03.880 who listen to me to plug their ears. I would 2124 01:55:03.920 --> 01:55:06.880 call my but if you don't speak Spanish, just gonna 2125 01:55:06.880 --> 01:55:11.720 be hell. I would call my Venezuelan buddies. No, I'm not. 2126 01:55:11.840 --> 01:55:14.600 I am so serious. I'm as serious as a heart attack. 2127 01:55:15.119 --> 01:55:19.600 I would call my Venezuelan buddies and have them do it. 2128 01:55:20.000 --> 01:55:22.920 And I look at I I use Google Translate. I'm 2129 01:55:22.920 --> 01:55:26.560 not suggesting. And people might think, oh, Tom, this is dangerous. 2130 01:55:26.600 --> 01:55:28.840 They've heard about the Venezuelan gangs. 2131 01:55:28.479 --> 01:55:30.800 And all of this. I'm talking about people I've. 2132 01:55:30.600 --> 01:55:33.000 Known since they got here, and I've been helping them out, 2133 01:55:33.399 --> 01:55:36.680 and they're always looking for odd jobs and they're hard working. 2134 01:55:37.239 --> 01:55:40.600 And however, take line one. 2135 01:55:41.640 --> 01:55:48.600 Okay, take line one, Brian, Go ahead, Brian, Hi, Tom, Hey, 2136 01:55:48.640 --> 01:55:49.239 what's going on. 2137 01:55:50.640 --> 01:55:52.760 Hey, I've called the show a few times before. 2138 01:55:54.159 --> 01:55:57.680 I am a handyman and I just my schedule is 2139 01:55:58.000 --> 01:56:00.720 pretty open. If you can find the call or to 2140 01:56:00.800 --> 01:56:03.880 call in and help me, I'll move a furniture and 2141 01:56:03.920 --> 01:56:04.800 went back for free. 2142 01:56:05.720 --> 01:56:08.119 Well we're not asking you to do it for free, 2143 01:56:08.159 --> 01:56:09.119 but that's wonderful. 2144 01:56:09.159 --> 01:56:12.039 I mean, now, Brian, are you. 2145 01:56:12.159 --> 01:56:13.079 The Brian that I know. 2146 01:56:16.960 --> 01:56:18.399 Called a few times. 2147 01:56:18.399 --> 01:56:20.600 Okay, you're not the Brian. I I was thinking of 2148 01:56:20.640 --> 01:56:23.960 another Brian. But that's great. You're You're I recognize you, Brian. 2149 01:56:25.479 --> 01:56:27.640 I'm sure she'll pay one hundred and two hundred bucks. 2150 01:56:27.640 --> 01:56:29.319 I mean, she just doesn't want to pay a thousand. 2151 01:56:29.479 --> 01:56:31.319 I mean we need to be realistic here. 2152 01:56:33.359 --> 01:56:35.319 Well, if it's only you take an hour to move 2153 01:56:35.359 --> 01:56:35.880 it and then come. 2154 01:56:35.800 --> 01:56:38.039 Back the next day and move it back. You know, 2155 01:56:38.720 --> 01:56:40.279 I can help her. If she wants give me a 2156 01:56:40.279 --> 01:56:43.520 few bucks, that's fine, but I need what you need. 2157 01:56:43.680 --> 01:56:45.479 If you don't, you don't have a friend that would 2158 01:56:45.520 --> 01:56:49.159 do it too, I'll. 2159 01:56:49.000 --> 01:56:49.359 Tell you what. 2160 01:56:49.479 --> 01:56:51.239 Let me make a few calls and i'll call the 2161 01:56:51.279 --> 01:56:51.720 show back. 2162 01:56:52.079 --> 01:56:54.439 But let me just be fair here and hold on 2163 01:56:54.479 --> 01:57:01.079 a second. Even though Diane, would you be willing to pay, 2164 01:57:02.600 --> 01:57:07.560 let's say each person like, no, I'm serious now, each 2165 01:57:07.640 --> 01:57:10.399 person one hundred dollars a day, so that would be 2166 01:57:10.439 --> 01:57:15.279 a total of four hundred Yes, you and Brian. The 2167 01:57:15.279 --> 01:57:19.399 only reason I say that is truly, I mean, let 2168 01:57:19.560 --> 01:57:22.279 you know, let's really get her some help and maybe 2169 01:57:22.279 --> 01:57:24.520 your friend will come over and for a couple hundred 2170 01:57:24.560 --> 01:57:27.079 bucks for a couple hours of work. 2171 01:57:28.960 --> 01:57:30.680 Even an hour, it won't take you an hour. 2172 01:57:31.640 --> 01:57:32.000 Okay. 2173 01:57:32.000 --> 01:57:34.159 If it won't take him an hour, then then I 2174 01:57:34.159 --> 01:57:35.840 don't care if you pay one hundred and fifty each. 2175 01:57:35.880 --> 01:57:38.239 I don't know, but I'm saying, Brian, don't tell your friend. 2176 01:57:38.279 --> 01:57:38.720 It's free. 2177 01:57:38.760 --> 01:57:40.439 I want somebody who's going to show up and help you. 2178 01:57:40.680 --> 01:57:44.680 Brian. Okay, where you located, Diane, without giving your exact address? 2179 01:57:44.960 --> 01:57:47.600 Like what area angle Wood? 2180 01:57:47.680 --> 01:57:49.279 Near a Swedish hospital? 2181 01:57:51.279 --> 01:57:52.720 Oh yeah, I know work where that is? 2182 01:57:53.079 --> 01:57:55.840 Okay, yeah, I'll get a buddy. 2183 01:57:55.840 --> 01:57:57.039 We'll do it for one hundred bucks each. 2184 01:57:57.800 --> 01:58:01.159 Brian, you're a wonderful guy. Listen, here's I want to do, Kashena. 2185 01:58:01.880 --> 01:58:02.560 Let's get this. 2186 01:58:02.760 --> 01:58:06.920 Uh and then just to a quick just pull a 2187 01:58:07.000 --> 01:58:10.079 quick background for Brian. Please, Brian, I'm sorry, Please, I 2188 01:58:10.119 --> 01:58:14.960 gotta be safe. Just please, thank you. Absolutely, sus will 2189 01:58:14.960 --> 01:58:16.680 pull a quick background, Diane. 2190 01:58:16.720 --> 01:58:18.039 So we'll pull a background check. 2191 01:58:18.079 --> 01:58:21.359 Okay, oh, thank you God. 2192 01:58:21.399 --> 01:58:22.000 I just want to. 2193 01:58:22.000 --> 01:58:23.720 Make sure he's not an AX murderer. 2194 01:58:24.800 --> 01:58:29.600 And but hold on, Kashina, let's make this connection. That's 2195 01:58:29.640 --> 01:58:33.680 what the Troubleshooter show is all about. Hang on, I'm 2196 01:58:33.720 --> 01:58:43.239 Tom Martine Moore coming up. Go with a sure thing. 2197 01:58:43.359 --> 01:58:46.680 Denver's best roofer Excel roofing dot com. You don't pay 2198 01:58:46.680 --> 01:58:53.319 a cent until you're content. Time for an insurance checkup free, 2199 01:58:53.399 --> 01:58:57.159 no obligation. In comparison, call Compass Insurance paying too much 2200 01:58:57.279 --> 01:59:00.239 your coverage at dozens of insurance companies find out now 2201 01:59:00.319 --> 01:59:02.560 three all three seven to seven to one. Help. You'll 2202 01:59:02.600 --> 01:59:05.359 think you're his only customer when you choose Frank durand 2203 01:59:05.359 --> 01:59:07.800 the real estate Man dot com to list your home 2204 01:59:08.000 --> 01:59:11.159 with Remax Alliance three all three nine two zero sixteen 2205 01:59:11.239 --> 01:59:16.399 twenty two. Hi Tom Martinez here, So the background check 2206 01:59:16.439 --> 01:59:21.039 on Brian came back. Great. He will be helping that 2207 01:59:21.119 --> 01:59:24.479 woman out. We love, love, love doing this. 2208 01:59:24.479 --> 01:59:26.159 This is what the show is all about. 2209 01:59:26.239 --> 01:59:30.920 Connections. And thank you Brian. And now let's talk to Jules, 2210 01:59:30.960 --> 01:59:33.039 who has a question about guardianship jewels. 2211 01:59:33.079 --> 01:59:37.119 Go ahead, Hi Tom, how are you have you got 2212 01:59:37.199 --> 01:59:38.479 a minute to talk to me? Please? 2213 01:59:38.920 --> 01:59:41.119 Yes, go ahead, Jules? 2214 01:59:41.479 --> 01:59:44.319 Will you please to take down this number of a person? 2215 01:59:44.359 --> 01:59:46.640 No, wait, don't give me a phone number. I'll take 2216 01:59:46.680 --> 01:59:47.920 it off the air. What do you want me to 2217 01:59:47.920 --> 01:59:48.920 do with the phone number. 2218 01:59:48.800 --> 01:59:52.840 Jewles, Well, this person in Idaho is in my family, 2219 01:59:52.920 --> 01:59:55.399 and this person has been trying to put me under 2220 01:59:55.439 --> 01:59:59.640 a guardian, guardian, guardy and chip that I don't want. 2221 02:00:00.079 --> 02:00:02.159 Okay, Jules, let me ask you a couple of questions. 2222 02:00:02.279 --> 02:00:04.119 Is this a relative of yours? 2223 02:00:04.960 --> 02:00:05.159 Yes? 2224 02:00:05.760 --> 02:00:08.600 What kind of relative? A brother, sister and uncle? 2225 02:00:08.680 --> 02:00:11.359 What a sister of mine? 2226 02:00:12.199 --> 02:00:16.600 Okay? So your sister is trying to get you into 2227 02:00:16.640 --> 02:00:18.439 a what assisted living home? 2228 02:00:19.359 --> 02:00:21.479 No? A guardianship that I don't want. 2229 02:00:22.159 --> 02:00:23.680 She's trying to be your guardian. 2230 02:00:24.760 --> 02:00:25.680 Well, I don't want that. 2231 02:00:26.319 --> 02:00:28.920 No, No, I'm just asking. Is that what she's trying 2232 02:00:28.960 --> 02:00:29.159 to do? 2233 02:00:30.439 --> 02:00:34.319 Well, I'm not her, but I don't want that. 2234 02:00:35.439 --> 02:00:39.079 No, I get it. Jewels, let me ask you something, Jeules, 2235 02:00:39.279 --> 02:00:40.880 Have you ever had a guardian? 2236 02:00:42.159 --> 02:00:42.319 No? 2237 02:00:43.399 --> 02:00:43.800 Okay? 2238 02:00:43.960 --> 02:00:50.720 How old are you? Jewles? Sixty nine September sixty nine? 2239 02:00:51.800 --> 02:00:53.000 I have a guardian angel? 2240 02:00:53.760 --> 02:00:56.159 Huh, I got it. Now, you're sixty nine years old. 2241 02:00:56.600 --> 02:01:00.359 And what have you have you worked for a living 2242 02:01:00.439 --> 02:01:01.720 these past several years? 2243 02:01:02.720 --> 02:01:04.119 Yes? I have all my life? 2244 02:01:04.439 --> 02:01:06.439 What did you do for a career? 2245 02:01:07.479 --> 02:01:09.600 I was on the farm for almost forty years and 2246 02:01:09.600 --> 02:01:14.880 then I moved into town. I was pizza. I had 2247 02:01:14.960 --> 02:01:16.359 campal jobs in college. 2248 02:01:16.760 --> 02:01:18.680 So, Jewles, what do you do now? Are in your 2249 02:01:18.760 --> 02:01:19.720 social security? 2250 02:01:21.039 --> 02:01:25.319 Well? How was recycling every day at that house and 2251 02:01:25.319 --> 02:01:26.159 doing all my chores. 2252 02:01:26.199 --> 02:01:30.079 No, no, but how do you support yourself? Now, Jewles, I. 2253 02:01:30.039 --> 02:01:32.359 Have one check I get ninety dollars at the end 2254 02:01:32.359 --> 02:01:34.520 of the month, and the next two or three days 2255 02:01:34.560 --> 02:01:36.560 to get eight hundred and seventy dollars. 2256 02:01:36.680 --> 02:01:39.520 And where, okay, where do you get that from Social Security? 2257 02:01:41.079 --> 02:01:42.600 I have one that says to SID and the other 2258 02:01:42.640 --> 02:01:45.199 one is a disability. But I don't know how. 2259 02:01:45.239 --> 02:01:49.680 I'm okay, no, no, that's okay, Jewels. Now listen, So 2260 02:01:49.840 --> 02:01:51.600 you get enough money to live on. 2261 02:01:53.439 --> 02:01:57.640 I'm going into my hometown to buy my own apartment. 2262 02:01:57.680 --> 02:02:01.079 Now, I guess, well, do you have money saved up? 2263 02:02:02.680 --> 02:02:04.079 A tiny bit? On Thursday? 2264 02:02:04.840 --> 02:02:07.000 Are you? Let me ask you this, Jules, just a 2265 02:02:07.000 --> 02:02:08.920 few questions. Are you homeless? 2266 02:02:10.239 --> 02:02:11.439 Almost? 2267 02:02:11.920 --> 02:02:15.880 Well? Have you ever thought maybe your sister wants to 2268 02:02:15.960 --> 02:02:17.279 help you? 2269 02:02:17.319 --> 02:02:17.520 No? 2270 02:02:17.680 --> 02:02:21.159 I know, otherwise, what do you think she wants to do? 2271 02:02:22.079 --> 02:02:25.800 Well, Brenda got me out of that house and now 2272 02:02:27.079 --> 02:02:28.840 she has a house on the market. And I was 2273 02:02:28.840 --> 02:02:29.359 with that house. 2274 02:02:29.399 --> 02:02:31.880 Wait what what house? Was that a family house? 2275 02:02:32.800 --> 02:02:33.159 Yes? 2276 02:02:34.600 --> 02:02:36.239 Why did she want you out of it? 2277 02:02:37.880 --> 02:02:40.199 Was she kid to get her ninety thousand dollars back? 2278 02:02:41.560 --> 02:02:43.239 So who bought that house? 2279 02:02:43.359 --> 02:02:44.479 Was that your mom's house? 2280 02:02:45.600 --> 02:02:48.119 Well, Josephine had me and mom been it for a 2281 02:02:48.159 --> 02:02:49.920 lot of years and then Eddie. 2282 02:02:50.039 --> 02:02:52.239 I get it. Did your mom die? 2283 02:02:53.319 --> 02:02:53.600 Yes? 2284 02:02:54.319 --> 02:02:56.880 And now your sister, so your sister used to have 2285 02:02:56.920 --> 02:02:58.000 your mother live there? 2286 02:02:59.039 --> 02:03:02.119 No, that was joseph my aunt Josephine. 2287 02:03:01.720 --> 02:03:05.000 Or your aunt Josephine. Does aunt Josephine own the house? 2288 02:03:06.399 --> 02:03:09.680 You know? It was eighties and Louise and then Burnett 2289 02:03:09.720 --> 02:03:11.159 bought off of that, Maggie. 2290 02:03:11.479 --> 02:03:16.520 And is Bernadette your sister? Yes, so Bernadette bought it. 2291 02:03:16.800 --> 02:03:18.600 And now did she evict you? 2292 02:03:20.279 --> 02:03:22.039 Almost? Yeah? Pretty much? 2293 02:03:22.039 --> 02:03:22.319 Does she? 2294 02:03:22.600 --> 02:03:24.680 Did she tell you you had to leave? 2295 02:03:26.079 --> 02:03:26.399 Yes? 2296 02:03:27.239 --> 02:03:29.119 And what do you think she will do if she 2297 02:03:29.199 --> 02:03:30.279 becomes your guardian? 2298 02:03:31.560 --> 02:03:32.640 I can't have that. 2299 02:03:32.920 --> 02:03:36.079 No, No, I'm not asking you to What would she 2300 02:03:36.279 --> 02:03:38.319 do if she became your guardian? 2301 02:03:40.359 --> 02:03:42.119 He's been trying to put me in a host home 2302 02:03:42.840 --> 02:03:45.760 where the quarantine me and I can't have that. 2303 02:03:45.920 --> 02:03:49.600 You mean she's trying to put you into assisted living or. 2304 02:03:49.600 --> 02:03:51.279 A host home and I can't have that? 2305 02:03:51.880 --> 02:03:54.760 Well, okay? And why is that? Because you want to 2306 02:03:54.760 --> 02:03:59.199 be on your own? Yes, okay, and you can take 2307 02:03:59.239 --> 02:04:06.239 care of yourself apparently, do you do you. 2308 02:04:06.279 --> 02:04:07.000 Have a doctor? 2309 02:04:08.239 --> 02:04:10.840 Oh? Yes, I have more than one doctor. 2310 02:04:11.520 --> 02:04:13.359 And what kind of doctors do you have? 2311 02:04:14.760 --> 02:04:18.640 I have first responders and my medical doctors. 2312 02:04:19.000 --> 02:04:21.000 Is there anything wrong with you? Do you have an 2313 02:04:21.039 --> 02:04:23.359 illness or any kind of an illness? 2314 02:04:24.000 --> 02:04:27.880 Well? I had to have any vision in my right eye. 2315 02:04:28.439 --> 02:04:29.079 Uh huh? 2316 02:04:29.279 --> 02:04:29.760 What else? 2317 02:04:31.159 --> 02:04:36.199 Well? I used to have a speech impenitent. I kind 2318 02:04:36.199 --> 02:04:41.560 of had different troubles to to us now and. 2319 02:04:41.520 --> 02:04:44.880 Then, Okay, may I ask you something else? 2320 02:04:45.000 --> 02:04:45.319 Jules? 2321 02:04:45.439 --> 02:04:49.439 Do you ever see a psychiatrist or a psychologist? 2322 02:04:50.359 --> 02:04:52.880 Well? I would like to you if it doesn't cost 2323 02:04:52.880 --> 02:04:53.359 me anything. 2324 02:04:53.800 --> 02:04:58.239 Okay? Are you on Are you on Medicaid and Medicare too? 2325 02:05:00.039 --> 02:05:02.119 And insurance? Yes? 2326 02:05:02.479 --> 02:05:04.399 Who pays for your ETNA insurance? 2327 02:05:06.560 --> 02:05:08.439 I guess it's taking out of my paycheck? 2328 02:05:09.039 --> 02:05:09.840 What paycheck? 2329 02:05:11.359 --> 02:05:13.079 And so security building? 2330 02:05:13.319 --> 02:05:14.359 Okay, okay, got it? 2331 02:05:14.439 --> 02:05:17.119 Okay, So do you have good insurance when you have 2332 02:05:17.199 --> 02:05:18.039 to see a doctor? 2333 02:05:19.560 --> 02:05:19.960 I hope? 2334 02:05:20.000 --> 02:05:23.640 So who writes out your bills and takes care of 2335 02:05:23.680 --> 02:05:24.760 your everyday stuff? 2336 02:05:26.000 --> 02:05:30.640 If that was Brendadette Brenda took over mom's house, No, 2337 02:05:30.840 --> 02:05:31.399 I get. 2338 02:05:31.199 --> 02:05:35.880 It, But that's your sister. Yes, Now, who's going to 2339 02:05:35.960 --> 02:05:38.479 do it? Now? If you leave the house and you're 2340 02:05:38.520 --> 02:05:40.399 on your own. Who's going to take care of all 2341 02:05:40.439 --> 02:05:41.039 that stuff? 2342 02:05:41.960 --> 02:05:45.039 Well, the house has been boarded up and I need 2343 02:05:45.039 --> 02:05:47.199 a hearing to get all my possessions out of there. 2344 02:05:47.479 --> 02:05:49.439 And well where are you living right now? 2345 02:05:49.479 --> 02:05:49.560 Like? 2346 02:05:49.640 --> 02:05:51.600 Where will you stay tonight? Jules? 2347 02:05:53.000 --> 02:05:58.520 I'm in extended state in Westminster Jewels? 2348 02:05:59.000 --> 02:06:02.600 Would you mind if we talked with your sister? 2349 02:06:03.760 --> 02:06:05.600 I'll tell you your number after the call? 2350 02:06:05.800 --> 02:06:06.239 Okay? 2351 02:06:06.439 --> 02:06:08.680 Can we? I want to? I want to talk to her. 2352 02:06:08.800 --> 02:06:11.279 But you have a place to stay tonight, is that right? 2353 02:06:12.239 --> 02:06:12.600 Yes? 2354 02:06:13.039 --> 02:06:16.199 And you have enough money to pay for this extended stay. 2355 02:06:18.039 --> 02:06:25.079 It's being billed to Imagine to who imagine im fiet? 2356 02:06:26.039 --> 02:06:26.560 Okay? 2357 02:06:26.800 --> 02:06:27.000 Is that? 2358 02:06:27.279 --> 02:06:29.000 Is that an organization that helps you? 2359 02:06:30.960 --> 02:06:31.520 Apparently? 2360 02:06:32.520 --> 02:06:36.479 Okay, Hey, Kachina, do me a favor. Get the name 2361 02:06:36.560 --> 02:06:37.359 and number. 2362 02:06:37.039 --> 02:06:38.600 Of his sister off the air. 2363 02:06:39.279 --> 02:06:42.960 I'll take this one too, and let's get her on 2364 02:06:43.239 --> 02:06:46.760 and talk to her. Okay, Jules hang on? Okay? Three 2365 02:06:46.840 --> 02:06:51.880 oh three seven one three talk three O three seven 2366 02:06:51.920 --> 02:06:54.960 one three A two five five go with a sure 2367 02:06:55.079 --> 02:06:58.520 thing Denver's Best roofer Excel roofing dot com. You don't 2368 02:06:58.520 --> 02:07:04.800 pay a cent until your ten time for an insurance check. 2369 02:07:04.920 --> 02:07:08.760 Up free no obligation. In comparison, call Compass insurance paying 2370 02:07:08.800 --> 02:07:11.840 too much your coverage at dozens of insurance companies find 2371 02:07:11.840 --> 02:07:14.199 out now three all three seven to seven to one help. 2372 02:07:14.359 --> 02:07:17.000 You'll think you're his only customer when you choose Frank 2373 02:07:17.079 --> 02:07:19.520 durand the real estate Man dot com to list your 2374 02:07:19.560 --> 02:07:22.720 home with Remax Alliance three all three nine two zero 2375 02:07:22.800 --> 02:07:30.039 sixteen twenty two. I'm Tom Martino and Henry Oh. Before 2376 02:07:30.079 --> 02:07:31.840 we run out of time and I'll get to mark, 2377 02:07:31.880 --> 02:07:33.840 what do you want to talk about? What do you 2378 02:07:33.880 --> 02:07:38.520 want to promote more than anything, the roofing, the impact 2379 02:07:38.560 --> 02:07:39.520 resistant or what No. 2380 02:07:39.640 --> 02:07:42.399 I think it's just really important to touch on making 2381 02:07:42.439 --> 02:07:45.000 sure home owners know to file their claims. 2382 02:07:44.760 --> 02:07:47.479 Because after a year, you don't get coverage. 2383 02:07:47.560 --> 02:07:50.680 You don't you know, it's it's basically a year after 2384 02:07:50.920 --> 02:07:53.920 the date of incident from that hailstorm, and then after 2385 02:07:54.000 --> 02:07:56.199 that you're out of luck. And so even if you 2386 02:07:56.319 --> 02:07:59.880 haven't locked in that contractor yet, you should still file 2387 02:08:00.079 --> 02:08:02.960 that claim. And when you're looking for a contractor check 2388 02:08:03.000 --> 02:08:05.600 their Google reviews, do your diligence, make. 2389 02:08:05.520 --> 02:08:07.720 Sure and use Excel seriously. 2390 02:08:08.319 --> 02:08:10.560 Now listen, here's here's what I want to say, and 2391 02:08:10.600 --> 02:08:14.840 this is very serious when you file the claim. If 2392 02:08:15.159 --> 02:08:19.159 Excel can't get out there first, don't let anyone else 2393 02:08:19.239 --> 02:08:21.720 tell you you have to sign something for them to 2394 02:08:21.720 --> 02:08:25.079 look at your roof. There is no requirement ever, there's 2395 02:08:25.119 --> 02:08:28.479 no insurance requirement nothing. You never have to sign anything 2396 02:08:28.560 --> 02:08:31.840 to get a free estimate or a contract. Ever. The 2397 02:08:31.880 --> 02:08:34.199 next thing, if you call your insurance if you're pretty 2398 02:08:34.199 --> 02:08:37.199 sure you have damage, call them and have an adjuster 2399 02:08:37.199 --> 02:08:39.840 command I at least get started. But you don't have 2400 02:08:39.960 --> 02:08:43.359 to let the roofer look at what the adjuster recommended. 2401 02:08:43.720 --> 02:08:43.840 You. 2402 02:08:43.920 --> 02:08:46.680 Let the roofer put their expertise to work. 2403 02:08:46.840 --> 02:08:48.840 And you really don't. You don't want to roof for 2404 02:08:48.960 --> 02:08:49.359 carts there. 2405 02:08:49.600 --> 02:08:51.399 You want to have someone go out and do an 2406 02:08:51.399 --> 02:08:54.359 inspection first. And I can you can't, yes for sure. 2407 02:08:54.399 --> 02:08:57.079 So if you aren't sure, if you have damage, call 2408 02:08:57.159 --> 02:08:59.159 us first. We'll come out and do an inspection. 2409 02:08:59.359 --> 02:09:01.119 Do you promise to get out there within the next 2410 02:09:01.119 --> 02:09:01.760 few days though? 2411 02:09:01.800 --> 02:09:05.720 Absolutely okay. For these recent storms. You gotta file this 2412 02:09:05.720 --> 02:09:08.000 stuff quick or they'll just they won't cover it. 2413 02:09:08.439 --> 02:09:12.039 Okay, So you'll go out and inspect within a few days. 2414 02:09:12.079 --> 02:09:15.239 Absolutely okay, So get a roofer and make them put 2415 02:09:15.279 --> 02:09:18.279 their money where their mouth is. Don't ever use the 2416 02:09:18.359 --> 02:09:22.439 roofer who says what we'll do whatever the insurance company wants. 2417 02:09:22.600 --> 02:09:25.760 That's the last roofer in the world that you want. 2418 02:09:26.000 --> 02:09:28.640 And before you go, Henry, I'll give out this number. 2419 02:09:28.680 --> 02:09:31.399 But people, you're not gonna believe what they did to 2420 02:09:31.439 --> 02:09:34.680 my roof. I thought I had a wonderful home and 2421 02:09:34.720 --> 02:09:38.560 I had everything buttoned down. I had virtually no attic insulation. 2422 02:09:39.000 --> 02:09:42.720 So they put in like ten vents to solar fans. 2423 02:09:42.520 --> 02:09:45.079 It's a large home, but man, I got to tell 2424 02:09:45.119 --> 02:09:48.079 you something, it's gonna make a huge bit of difference, 2425 02:09:48.159 --> 02:09:50.920 especially now with my whole house fan. My whole house 2426 02:09:50.960 --> 02:09:53.960 fan will work ten times better. Plus they have the 2427 02:09:54.039 --> 02:09:55.159 attic fans, right. 2428 02:09:55.319 --> 02:09:58.000 Yeah, absolutely, those attic fans are awesome. They just they 2429 02:09:58.039 --> 02:10:01.119 suck all that hot air out and especially with those 2430 02:10:01.159 --> 02:10:03.960 oversized B one forty four events, that whole house fan 2431 02:10:04.079 --> 02:10:05.079 is going to be much more of it. 2432 02:10:05.239 --> 02:10:05.399 Now. 2433 02:10:05.439 --> 02:10:08.920 Remember people, you may not need that many, but they'll 2434 02:10:08.960 --> 02:10:10.600 give you a free look at that too. If you 2435 02:10:10.640 --> 02:10:13.600 want to look at your attic ventilation, it's serious. It'll 2436 02:10:13.640 --> 02:10:17.640 help you with heating and cooling. Now their number THREEHO 2437 02:10:17.640 --> 02:10:21.760 three seven sixty one sixty four hundred three oh three 2438 02:10:21.880 --> 02:10:26.159 seven six one sixty four hundred excelroofing dot com. Now 2439 02:10:27.039 --> 02:10:30.439 during the show you heard from Jewels. We're going to 2440 02:10:30.479 --> 02:10:33.239 have him being helped off the air. We're going to 2441 02:10:33.239 --> 02:10:37.000 talk to his sister. He obviously had some probably mental 2442 02:10:37.000 --> 02:10:40.760 disabilities of some kind. We also had Diane's seventy one 2443 02:10:40.880 --> 02:10:43.800 years old legally blind needs help moving out of her 2444 02:10:43.840 --> 02:10:47.840 apartment temporarily while they replace the carpeting. We had a 2445 02:10:47.880 --> 02:10:51.319 listener and a friend volunteer to help her there. Then 2446 02:10:51.359 --> 02:10:54.520 we have a Vietnamese American who has taken advantage of 2447 02:10:55.520 --> 02:10:58.640 with a loan shark. We're working on that one. We 2448 02:10:58.880 --> 02:11:03.199 are doing a ton, so you stick around to hear 2449 02:11:03.319 --> 02:11:06.800 more tomorrow on the Troubleshooter Show. If you need help, 2450 02:11:06.840 --> 02:11:10.319 call us at three oh three Martino three oh three 2451 02:11:10.800 --> 02:11:13.760 six two seven eight four sixty six, and you can 2452 02:11:13.800 --> 02:11:18.840 also text me directly seven four seven, nine nine nine 2453 02:11:19.600 --> 02:11:24.479 fifty two eighty