Speaker 1: Yeah, ripped tough.
Speaker 2: News, need advice when you don't have.
Speaker 3: Come, run in just as fast as we can.
Speaker 2: Shooter's gonna help come.
Speaker 4: Man Dix is the Troubleshooter Show. No Tom Martine.
Speaker 5: Hello, I'm Tom Martino. Welcome to the show. Three O
Speaker 5: three seven one three talk three oh three seven one
Speaker 5: three eight two five five. Here to help you do
Speaker 5: what solve problems, answer questions, take complaints, make your life
Speaker 5: a little easier.
Speaker 6: That's what we do each and every day.
Speaker 5: Forty five years, going strong, fifty years when you include
Speaker 5: other cities, and we love doing it. That's the important thing.
Speaker 5: Now I want to talk about a bike accident. I
Speaker 5: got my personal injury expert on and I will get
Speaker 5: him on right now, John Fuller to listen to this.
Speaker 5: And basically everyone has questions when they're injured out how
Speaker 5: they're injured. John will be happy to answer them. And
Speaker 5: Personal injuryco dot com is a great website to reach
Speaker 5: them at or to really find information. But John, let's
Speaker 5: let's listen to Nate. Okay, Nate, what's happening?
Speaker 7: Hey, Tom, So, I was on an electric bike and
Speaker 7: I cut through a parking lot that's on the corner
Speaker 7: of a major intersection, and I hit an object in
Speaker 7: the in the parking lot. There's a light pole that
Speaker 7: comes out a couple feet into the parking lot, and
Speaker 7: then they built this little rock wall around it, which
Speaker 7: is surrounded by a cement curb which seems unusually high,
Speaker 7: maybe a couple of inches. But it's in a really
Speaker 7: strange kind of place, it seems like. And I hit that, And.
Speaker 5: Now are you saying in a strange place? I need
Speaker 5: to know this? You cut through a parking lot, and John,
Speaker 5: there are a lot of principles I want to talk
Speaker 5: about in general on premises liability. By the way, John
Speaker 5: Fuller is our expert. We use all the time. Our
Speaker 5: number here three O three seven one three talk if
Speaker 5: you want to chime in, or three oh three Martino
Speaker 5: three O three six two seven eight four sixty six. So, Nate,
Speaker 5: you cut through a parking lot. Was this nuisance or
Speaker 5: hazard or whatever it was?
Speaker 6: Was it cloaked?
Speaker 8: No?
Speaker 5: Was it right out there for everyone to see? Are
Speaker 5: you trying to I just need a straight answer. Are
Speaker 5: you trying to make the case that it was dangerous?
Speaker 7: That would be my position in the whole thing.
Speaker 6: Yet, Okay, that's good.
Speaker 5: That's what I want to know. Now, why do you
Speaker 5: feel it's dangerous? And it is dangerous to a point
Speaker 5: where you or another cyclist could easily not see it.
Speaker 7: Yes, it's because so it's the same color as the
Speaker 7: rest of the parking lot. I'd have to say, there's
Speaker 7: no red or yellow. They didn't paint the curb a
Speaker 7: different color to make it stick out.
Speaker 5: And so when you hit the curb, When you hit
Speaker 5: the curb, what happened?
Speaker 9: So the bike.
Speaker 7: The curb was obviously too high for the bike to
Speaker 7: go over, and so that the bike just immediately hit
Speaker 7: the ground. And then I hit my knee and I
Speaker 7: completely obliterated my knee. I had to call an ambulance
Speaker 7: and everything.
Speaker 5: And how much injury do you have?
Speaker 7: Well, I had knee surgery last week, so I'm on
Speaker 7: crutches and all that stuff.
Speaker 6: Did your health insurance cover it?
Speaker 8: Yes? Yes?
Speaker 5: Did you talk to an attorney or anybody at the building?
Speaker 8: No?
Speaker 7: And I guess that's the rub. The building is a
Speaker 7: major a major, major player in the personal injury attorney.
Speaker 5: World, So well does he own the parking This major
Speaker 5: player own the parking lot?
Speaker 7: I would have to say, based on the size of
Speaker 7: the company, probably, but I don't know. I haven't looked
Speaker 7: into that.
Speaker 6: Well that's something. But let me say something, Nate.
Speaker 5: It doesn't matter who owns the property unless it's a
Speaker 5: government When it comes to personal injury, that makes a
Speaker 5: bit of a difference if it's a government entity. But
Speaker 5: we got a lot of things going on here. First,
Speaker 5: I'm going to ask John, we have damages, then we
Speaker 5: have the occurrence. But I had said this, John, and
Speaker 5: I want you to correct me if I'm wrong, and
Speaker 5: I'm going to let you run with this. But just
Speaker 5: because something happens, it doesn't automatically equal negligence or liability.
Speaker 6: So I want to start there.
Speaker 5: And then I want you to ask questions and see John,
Speaker 5: if you feel there is any way that Nate would
Speaker 5: have any kind of acclaim. Go ahead, John, Okay.
Speaker 9: So, first off, whose parking lot was this?
Speaker 7: Do you want me to say the name of the
Speaker 7: law firm?
Speaker 6: Yeah, it doesn't matter.
Speaker 7: Go ahead, Man, it's back at some shanker.
Speaker 5: Okay.
Speaker 9: So, first and foremost do they own the parking lot?
Speaker 9: That would be my question. And the reason why is
Speaker 9: that you know, in Colorado we have a non deligible
Speaker 9: duty that means that tenants don't. You know, you can't
Speaker 9: contract out of liability. So if I own the property
Speaker 9: and I lease it to that particular law firm or
Speaker 9: to any other person, I as the owner, still maintain
Speaker 9: responsibility for the condition of the property, even if there's
Speaker 9: a tenant or even a subtenant that ultimately has some
Speaker 9: responsibility as well. So the first step of any analysis
Speaker 9: is to figure out who exactly owns the property and
Speaker 9: that kind of stuff. The second step would be you
Speaker 9: as a trespasser or you know, at best, you weren't
Speaker 9: there to transact business, you weren't invited on the property,
Speaker 9: you weren't there.
Speaker 5: For any Does that make a difference, John.
Speaker 9: Warner, Absolutely, because your status on the property is what
Speaker 9: defines the duty that's owed to you by the landowner. Okay,
Speaker 9: so if you are there to transact business, that's the
Speaker 9: highest standard, and that's a new or should have known standard.
Speaker 9: If you're there as a licensee, which would be the
Speaker 9: next rung down, which is where you're there only for
Speaker 9: your own purposes, then the standard requires that they have
Speaker 9: actual knowledge of the dangerous condition, and that's a really
Speaker 9: difficult thing for you to prove that they knew not
Speaker 9: just about the actual you know, the actual you know,
Speaker 9: the format of the parking lot, but that it was
Speaker 9: a dangerous condition and that they you know, didn't do
Speaker 9: anything about it and stuff. But actual knowledge is a
Speaker 9: tough thing. But here's what I've seen in some other
Speaker 9: cases that I've had to not to handle hundreds of
Speaker 9: these cases, is that any deviation from the normal path
Speaker 9: that people are expected to take will sometimes result in
Speaker 9: a defense firm calling that a trespasser. That I mean,
Speaker 9: I've had it apply to even when a postal worker
Speaker 9: comes out of your house and cuts the corner across
Speaker 9: the lawn that that wasn't where they were designated to traverse,
Speaker 9: and therefore they were doing that on their own accord,
Speaker 9: and they were in effective trespasser. And that's the lowest,
Speaker 9: lowest standard of care. And so your status on the
Speaker 9: property absolutely dictates whether or not there's any hope of
Speaker 9: your recovering for this condition.
Speaker 6: Okay, so that's the first part.
Speaker 5: Right, So that looks like the pickens are swim right
Speaker 5: now for him, Well, it's not.
Speaker 9: A good starting place. You chose to cut across this
Speaker 9: parking lot on your own on the property, that is
Speaker 9: not for the public to traverse and and got injured,
Speaker 9: and so there has to be And in fact, in
Speaker 9: all of personal injury, there's always this looming issue of
Speaker 9: assuming the risk that when you take on a you know,
Speaker 9: when you choose to do something, you assume the risk
Speaker 9: that you may be injured in doing it. You know,
Speaker 9: an example may be running a red light or something.
Speaker 9: I mean, when you assume the risk, sometimes you lose
Speaker 9: and you have to bear some of the responsibility. So
Speaker 9: the comparative negligence issue in a premisis's liability case is
Speaker 9: great because a jorney will be asked to decide if
Speaker 9: if they think the landowner bears any responsibility, which I
Speaker 9: don't think is totally clear. They're also going to be
Speaker 9: asked to decide whether you should shoulder some of the
Speaker 9: responsibility by having cut the corner for your own benefit
Speaker 9: to do this little shortcut. So that's the other issue.
Speaker 9: To me, it sounds like, you know, it's something I
Speaker 9: wouldn't wish on anybody, but it sounds like something that's
Speaker 9: going to be incredibly difficult to prosecute under the Colorado
Speaker 9: Premis's Liability Act.
Speaker 5: Okay, okay, now, Nate, if you ever want to talk
Speaker 5: off the air to John. It's three oh three five
Speaker 5: nine seven forty five hundred and John's got a lot
Speaker 5: of information at personal injuryco dot com. Hey, John, I
Speaker 5: got a few questions for you. Thank you Nate for calling.
Speaker 5: I mean, as I said, don't let ever a phone
Speaker 5: conversation dissuade you from getting legal advice. John, I'm gonna
Speaker 5: I'm gonna play a game with you here. It's called
Speaker 5: rank the the the the chances or the ease or the.
Speaker 6: Yeah, I don't.
Speaker 5: Know, or the likelihood of collection on in general. Some
Speaker 5: things here premises liability, medical malpractice, trap accidents, product liability,
Speaker 5: or intentional torts. Intentional torts for those listening, someone walks
Speaker 5: up and punches you in the mouth. Okay, So what
Speaker 5: would you say of all of those, are the low
Speaker 5: hanging fruit the easiest to get, John?
Speaker 6: And I'm not saying that when you're easiest.
Speaker 5: I'm saying the easiest of those, providing you have everything
Speaker 5: in place.
Speaker 8: Okay.
Speaker 9: So the easiest, best likelihood of success is going to
Speaker 9: be your traffic accidents. The lowest likelihood of success is
Speaker 9: going to be your intentional torts, and the remainder of
Speaker 9: them are going to fall somewhere in the middle. I
Speaker 9: would say med MAU is probably you know, if you
Speaker 9: have a viable Medmouth case, then it's it's maybe fifty
Speaker 9: to fifty okay.
Speaker 6: Even with a viable case. Okay, got it.
Speaker 9: With a viable case. Yeah, I mean there's a lot
Speaker 9: of issues. There's many, many, many parties that tend to
Speaker 9: you know, get involved in a in a typical medmouth case,
Speaker 9: and you know, and so there's just a lot of
Speaker 9: variables in their product liabilities and the tough cases and
Speaker 9: it's the rare case that truly has the legs to
Speaker 9: you know, to to result in some sort of a
Speaker 9: you know, successful recovery and and you know, those are
Speaker 9: just tough cases. But I would say that the most
Speaker 9: streamlined would be a traffic accident. We have a presumption
Speaker 9: of liability in many cases where you know, for instance,
Speaker 9: if you're rear ended, the person that hits you from
Speaker 9: behind is presumptively at fault, and we're in a state
Speaker 9: where they require the at fault driver, although they don't
Speaker 9: always do it, there is a requirement that you know
Speaker 9: that people have insurance in their automobilevels, so you know,
Speaker 9: so you've got two out of the three main ingredients
Speaker 9: are in your favor. You know, an intentional tour, by contrast,
Speaker 9: is the worst because there's no way to ensure against
Speaker 9: an intentional act. So even if I had a gazillion
Speaker 9: dollars of liability coverage and I punch you in the face,
Speaker 9: there's not going to be any coverage for that because
Speaker 9: it was an intentional act and.
Speaker 6: It's hard to collect, is what you're saying, right.
Speaker 9: Or it couldn't be legal obligation of the insurie company
Speaker 9: to pay that.
Speaker 5: Got it John Fuller, by the way, and it's a
Speaker 5: personal injuryco dot com three oh three five nine seven
Speaker 5: forty five hundred more coming right up, Go with a
Speaker 5: sure thing Denver's best roofer Excel Roofing dot com.
Speaker 10: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out Now three oh three seven
Speaker 5: seven one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hey, Tom Martino here
Speaker 5: three oh three seven one three talk seven one three.
Speaker 6: Eight two five five. Hey, Paul, the.
Speaker 5: Waterman has this extraordinary special and I'm telling you a special.
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Speaker 5: Normally a system for softening is thirty four hundred bucks
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Speaker 5: best opportunity ever. He has special incentives. Paul is at
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Speaker 6: All right, Doc is on the phone now.
Speaker 5: And then we also have Excel Roofing with us in
Speaker 5: the house talking a little bit about roofing. But I
Speaker 5: want you to call about anything in the world. Plus
Speaker 5: I have things I want to talk about as well. Uh, Doc,
Speaker 5: what's going on? This is not Deputy Doc. This is
Speaker 5: someone called Doc. Hey Doc, what's happening?
Speaker 11: Good morning, Tom? Hey, this is what I've got. I
Speaker 11: want your take on this, Okay, man, Hey, how hey?
Speaker 11: How has been advertising this? The man who owns the
Speaker 11: company as Robert Shipley, The name of the company is
Speaker 11: Auto Value.
Speaker 5: Yeah, I heard the ad and I was I was
Speaker 5: curious about it because we have on the referral list
Speaker 5: Petty Details dot com or or diminished Value Experts. And
Speaker 5: when I heard these ads, I think, if they do
Speaker 5: what they say, that's a great service.
Speaker 11: Right now, I'm curious. So so his line, man, he'll
Speaker 11: give he gets you well diminished value after the accident
Speaker 11: the insurance company major vehicle, hopefully back to where it
Speaker 11: was before the accident. But you have diminished value.
Speaker 6: That's right, that's right.
Speaker 11: And so she claims that he can get you two
Speaker 11: to four thousand dollars within a two year window.
Speaker 6: That's right.
Speaker 5: Depending that's right. That's all true, depending on the loss.
Speaker 5: I mean, the facts of diminished value are all true.
Speaker 5: I am not sure how they work. What is their
Speaker 5: actual name?
Speaker 11: Auto Value Experts?
Speaker 5: Hey, hey, who's on the board today? Is this is
Speaker 5: Shannon or what are Rocky Dragon?
Speaker 6: Can you find their spot?
Speaker 1: Uh?
Speaker 12: Yeah, give me a minute.
Speaker 5: I'd like to.
Speaker 6: Hear it on the air.
Speaker 5: I mean, I thought they sounded really good, and they
Speaker 5: sound a lot like Petty Details, But of course I
Speaker 5: haven't tried them out yet.
Speaker 6: So tell me what's going on doc. Have you used them?
Speaker 11: I haven't used them. I'm just curious about it.
Speaker 6: Let's get him on the air and ask him.
Speaker 11: He wants you to pay him four or fifty.
Speaker 6: Up trint Okay, yeah, he.
Speaker 11: Says, the insurance company is going to want to They're
Speaker 11: not going to pay you.
Speaker 5: They will not they will not volunteer. He's right, they
Speaker 5: will not volunteer diminished value.
Speaker 11: They want to negotiate.
Speaker 5: That's right, and it's better to have an expert. Now,
Speaker 5: I believe Mark is not signed on now, is he?
Speaker 5: But but I believe I have to drop in a
Speaker 5: few Oh, I'm sorry, great, Mark? Now, petty details chargers
Speaker 5: what five hundred?
Speaker 8: Yeah?
Speaker 6: They do, but I don't know about this upfront part.
Speaker 5: And they're saying it can take up to two years.
Speaker 10: I don't know.
Speaker 5: No, no, Mark, No, no, no. They don't say up
Speaker 5: to two years. They say you can reopen the claim
Speaker 5: up to two years.
Speaker 12: Got it.
Speaker 5: Now, here's what I want to ask you, Mark, Petty details.
Speaker 5: I believe does collect up if you decide to go
Speaker 5: to the paid route.
Speaker 6: You don't.
Speaker 5: But but I think you pay up front. You don't
Speaker 5: pay for the free advice they give you free advice.
Speaker 6: First, they do charge up front, Tom.
Speaker 5: Yes, so, but first the difference with petty details. They'll
Speaker 5: give you a first blush value of your diminished value
Speaker 5: free of charge, and they won't fight for you, but
Speaker 5: they'll give you an idea. Then if you decide to
Speaker 5: use them, you pay five hundred. So it's not unusual
Speaker 5: to pay a fee. Do I like fees up front?
Speaker 1: No?
Speaker 5: I don't, but I mean that's the way they do
Speaker 5: it now. I think the reason they do that is
Speaker 5: because once they get it, maybe some people forget to pay. Now,
Speaker 5: I would say this, if they get you zero, do
Speaker 5: you get a refund? I don't know. Let's ask auto
Speaker 5: value experts.
Speaker 6: I mean, let's hear their ad Do we have it still?
Speaker 12: Hunt it down?
Speaker 5: Hunting it down. Let's take this break and see what
Speaker 5: we can find it. Then we're going to talk to
Speaker 5: Greg about medical bill issues. And then I want to
Speaker 5: talk to Henry Brett's excel roofing on some of the
Speaker 5: issues UH coming up against the storm damage supplies, and
Speaker 5: I want to talk about Listen, it's not their main
Speaker 5: bread and butter, but it should be in my and
Speaker 5: not should be. But I think this attic ventilation thing
Speaker 5: is an amazing thing.
Speaker 6: Now, I'm not saying you call them just for that, although.
Speaker 5: I imagine maybe on the off season they can do that.
Speaker 6: The main deal is, if you're having.
Speaker 12: Your roof done, we'll take care of them. Yeah, give
Speaker 12: us a call.
Speaker 5: Really, okay, Yeah, roof ventilation is unbelievable.
Speaker 6: I'm serious. I want to talk about it.
Speaker 5: Attic ventilation different than the whole house thing, the whole
Speaker 5: house fan. By the way, I'm Tom Martine three three
Speaker 5: seven to one to three talk eight eight eight heating
Speaker 5: dot com speaking.
Speaker 6: Of energy efficiency.
Speaker 5: They specialize in high energy efficiency and free second opinions,
Speaker 5: and they do electrical and plumbing and they're great people.
Speaker 5: Tell them. Tom told you to call three oh three
Speaker 5: seven seven zero two seven seven six eight eight eight
Speaker 5: heating dot com. Go with a sure thing Denver's best
Speaker 5: roofer Excel Roofing dot Com.
Speaker 10: You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup, free no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three all three seven to
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three all
Speaker 5: three nine two zero sixteen twenty two. Hey Tom Martino,
Speaker 5: your troubleshooter three O three seven to one three talk
Speaker 5: Ah crap, I'm sorry, I just uh, I close my
Speaker 5: my call screener.
Speaker 6: There we are, by the way.
Speaker 5: Bretts is with us from Excel Roofing, and I'm going
Speaker 5: to Greg right now on the phone about medical issues.
Speaker 5: And then I want to tell you what I discovered
Speaker 5: about my attic because I was bragging about the whole
Speaker 5: house fan and I loved it and I still love it,
Speaker 5: but it was being choked by my attic and I
Speaker 5: didn't realize it. I was here, I am doing social
Speaker 5: spots on how to cool a home effectively, and in
Speaker 5: my own addict, I had issues that I did not realize.
Speaker 5: But we'll talk about that, because if you looked at
Speaker 5: it from the street, it looked like I had plenty
Speaker 5: of venting. But we'll talk about that and what Excel
Speaker 5: Roofing discovered. And they automatically do this check every time they.
Speaker 6: Do a roof, so we'll talk about that.
Speaker 5: Excelroofing Dot com But Greg, you first, what's happening, Greg?
Speaker 13: So, last year beginning of twenty twenty three, I got
Speaker 13: a Sea pat machine and Aarrowcare slash Major Medical slash Rocket,
Speaker 13: Mountain Medical slash adapt hell they go about.
Speaker 5: Four slash slash slash slash. Hey, by the way, Greg,
Speaker 5: let me just say this. I got it see PAP
Speaker 5: machine at one time because I was diagnosed with a
Speaker 5: sleep apnea. I still have some traits and symptoms of it.
Speaker 5: I stopped using machine. To be honest with you, I
Speaker 5: think it's probably one of the most prescribed and unused
Speaker 5: devices in the world.
Speaker 6: I then used a dental.
Speaker 5: Appliance that worked for a while, and the dentist stop
Speaker 5: supporting it. And I heard that what they called sleep
Speaker 5: dentistry was like is now hard to find if any
Speaker 5: because there was so much so called liability. And in fact,
Speaker 5: there were a lot of people on radio. Do you
Speaker 5: remember the one guy with a funny voice. He was
Speaker 5: talking about ze Mark exactly, And anyway, all I'm saying
Speaker 5: is this now, they never talked about sleep avenue, but
Speaker 5: they talked about storing, which is kind of an indication
Speaker 5: you might have apnea.
Speaker 6: And Greg, I'll let you get to your story.
Speaker 5: But the important thing about apnea, it truly is important
Speaker 5: to treat. It is truly important. Now I know that
Speaker 5: I have some symptoms and occurrences of apnea. I know
Speaker 5: that based on this feeling I get and this startled
Speaker 5: a wakeness I get from this when I stop breathing.
Speaker 5: But it's not anything like it was when I used
Speaker 5: to weigh. You know, one ninety two hundred pounds them right,
Speaker 5: you know, and I'm one sixty.
Speaker 6: Right now or one fifty five. Here's the thing I use.
Speaker 5: I think weight had a lot to do with it,
Speaker 5: but I'm still looking for a good appliance that you
Speaker 5: can wear. I do not like to see pap machines.
Speaker 5: They're just so freaking cumbersome. Anyway, I digress. Go ahead, Greg,
Speaker 5: talk about it.
Speaker 8: Yeah.
Speaker 13: So the reason I'm calling today is because Aerocare has
Speaker 13: it's under a major medical They've sent me all these
Speaker 13: different crazy bills through but I haven't actually got the bills.
Speaker 13: I've gotten from an explanation of benefits, and I'll give
Speaker 13: a couple examples. On January third of this year, they
Speaker 13: charged twenty eight fifty and I don't know what for it,
Speaker 13: just says medical support.
Speaker 5: You mean twenty eight dollars.
Speaker 13: Twenty eight.
Speaker 5: And fifty Okay, let me ask you this, Greg, Sure
Speaker 5: this SEPAP in general I'm on for seventeen eighteen?
Speaker 6: Was the CEAPAP in general?
Speaker 5: Greg? Greg?
Speaker 8: Was this?
Speaker 6: Greg?
Speaker 5: None of this matters until I ask a question is
Speaker 5: what insurance do you have?
Speaker 13: That's United Healthcare? But for my issue is they I
Speaker 13: have denied my paper billing. I've actually sent them a
Speaker 13: certified letter at the end of May asking that I
Speaker 13: have all bills through US mail so that I can
Speaker 13: look at them and figure out whether I'm actually being
Speaker 13: overcharged or not.
Speaker 5: Okay, Greg, I want to ask a couple of questions.
Speaker 5: I can help you. The CPAP machine, what was the
Speaker 5: company that actually supplied it? It was Aerocare and they're
Speaker 5: the ones that are actually charging you. Yes, Now, under
Speaker 5: the explanation of benefits, did United Healthcare take responsibility for it?
Speaker 5: Or is it a self pay?
Speaker 13: I s I have a low deductible, but they have
Speaker 13: a contract with them, so it's in network. But fortunately
Speaker 13: you're not. In Healthcare reduced these down to almost nothing,
Speaker 13: you know, twenty it it became like thirty.
Speaker 5: Dollars or okay, So what is your concern about Because
Speaker 5: the EOB the explanation of benefits, it shows charges, then
Speaker 5: it shows the approved amount, then it shows the amount
Speaker 5: the insurance paid, and then it shows your responsibility. So
Speaker 5: in total, which one are you complaining about? Your responsibility?
Speaker 11: Uh?
Speaker 13: I'm complaining about the fact that I don't have any
Speaker 13: paper billings to verify whether I'm being overcharged or not.
Speaker 5: Okay, But what I'm asking, and I'll get to that part,
Speaker 5: I promise. What I'm asking though, is what was your
Speaker 5: total out of pocket?
Speaker 13: Well, so, like for this this bill it was.
Speaker 5: Twenty I mean, and total for your CPAP, what is
Speaker 5: your total outlay? I don't know.
Speaker 13: I'd have to add it up. I'm not prepared to
Speaker 13: give that figure out.
Speaker 6: Okay, okay, okay, that's fine.
Speaker 5: But do you think it was more than a thousand bucks?
Speaker 13: Probably not.
Speaker 6: Okay.
Speaker 5: Now you're confused about eobs. Let me give you some
Speaker 5: information that you may or may not like. They are
Speaker 5: not required to give you paper billing or paper explanations
Speaker 5: no longer because of the paper the Reduction Act. I
Speaker 5: forget what it's called, but it's the anyway the government
Speaker 5: and it like it goes.
Speaker 6: It's there's a million reasons.
Speaker 5: There's the environmental concerns, there's all kinds of stuff. But
Speaker 5: the Paperwork Reduction Act allows people In some cases companies
Speaker 5: will allow you to opt out of paper. But some
Speaker 5: companies will not even provide paper. And the EOB doesn't
Speaker 5: come from Arrowcare. The EOB comes from United.
Speaker 13: Health Yeah, I understand that.
Speaker 5: And when you get it, I am sure that if
Speaker 5: there is not an option for paper, that you had
Speaker 5: to opt out or they just do not provide it,
Speaker 5: and you decide if you want United Healthcare based on that. Okay,
Speaker 5: so what I want to but what you can still
Speaker 5: figure out now when you say if you were overbuilled
Speaker 5: or not, just so you know, a CPAP is going
Speaker 5: to range anywhere from six to eight thousand, okay, terribly overcharged.
Speaker 5: The insurance companies put a cap on that and will
Speaker 5: pay up to a certain amount, and then according to
Speaker 5: your plan, you pay up to a certain amount.
Speaker 6: So are you worried about United Healthcare?
Speaker 5: Don't be. They know what they're paying and they will
Speaker 5: negotiate and they won't let a penny be paid that
Speaker 5: isn't justified. Or are you concerned about your out of pocket.
Speaker 13: Well, I'm just ticked they won't send me paper bills,
Speaker 13: and they did send them through emails, but there was
Speaker 13: a spam per day, so it was almost impossible to
Speaker 13: go through there and find the bills.
Speaker 5: Well, Greg, Greg, I don't know what to tell you
Speaker 5: on that one, but truly you're really barking up the
Speaker 5: wrong tree.
Speaker 12: Okay.
Speaker 5: Now, as a courtesy, just between you and me, I
Speaker 5: think they should. They should say to you, you know what, sir,
Speaker 5: I understand you know, let's send it to you.
Speaker 6: What's your address, Let's do it.
Speaker 5: Instead, they sent you an email and then your spam
Speaker 5: caught it. And I'm sorry about that, but you can
Speaker 5: go in and set that so you can get everything
Speaker 5: from United Healthcare. But I don't know what else to
Speaker 5: tell you, but I will tell you this, Greg, seriously,
Speaker 5: because I know Errocare, I know United Healthcare, and I'm
Speaker 5: just gonna take a wild hair here. You're not getting
Speaker 5: ripped off. They don't. Very few companies play that game.
Speaker 5: They really do. Now, is there fraud in certain medicare billing,
Speaker 5: medicaid billing and medical Yeah there is, but it's not
Speaker 5: as much as we think on an individual basis. I
Speaker 5: just think you're worrying too much about it. In my opinion,
Speaker 5: I'm not saying you shouldn't look further, and I don't
Speaker 5: know why the hell they just won't be kind enough
Speaker 5: to send it to.
Speaker 6: You by mail.
Speaker 5: I would like, though, for the show today to get
Speaker 5: an expert on from Integra Insurance that I want you
Speaker 5: to listen to because they deal with this kind of
Speaker 5: thing and they might have a secret sauce to get
Speaker 5: you some paper billing. Now coming up, this is going
Speaker 5: to be wonderful. We actually have the owner of Auto
Speaker 5: Value Experts now. As you know, we love these kinds
Speaker 5: of services. In fact, we promote one that does the
Speaker 5: same thing. When I heard these other ads, I thought,
Speaker 5: I need to talk to these guys because we are
Speaker 5: a show that talk about how insurance companies will take
Speaker 5: every chance to screw you.
Speaker 6: So stay tuned.
Speaker 5: Robert Shipley will be on to talk about Auto Valueexperts
Speaker 5: dot com, who's been advertising all over iHeart stay tuned.
Speaker 5: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 5: dot com.
Speaker 10: You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup, free, no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three O three seven to
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank Durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three three
Speaker 5: nine two zero sixteen twenty two. Hi Thomas, you know here?
Speaker 6: Three three seven one three talks seven one three two
Speaker 6: five five.
Speaker 5: Robert Shipley, the owner of Auto Value Experts, I've heard
Speaker 5: a lot of ads.
Speaker 6: Hey, Robert, thank you for being.
Speaker 5: Here, sir? How long really?
Speaker 6: How long you've been doing.
Speaker 14: This since two thousand and six?
Speaker 5: Well, how come we're not here? I hadn't heard about
Speaker 5: you before?
Speaker 15: Yeah, Bi.
Speaker 14: I started out in Texas in two thousand and six,
Speaker 14: opened offices over the next two years in Durrale on
Speaker 14: the backside of Miami, Atlanta, Dallas, and up here in Denver,
Speaker 14: and then the economy crunch of two thousand and eight
Speaker 14: and in twenty twelve where ship back and we had
Speaker 14: to restructure our business work to stay effective and be
Speaker 14: able to help the public still and then rebuild from there.
Speaker 14: So you know, it's over the years we've done over
Speaker 14: eight thousand claims, but you know there's in stronger years
Speaker 14: than some.
Speaker 5: And when did you start?
Speaker 6: When did you start your your major radio campaign?
Speaker 11: Well, I did.
Speaker 14: iHeart in Texas and Georgia for about a decade and
Speaker 14: then I just relocated myself.
Speaker 11: My wife and I moved.
Speaker 14: Up here and we live in Boulder, and we started
Speaker 14: a couple months ago advertising on iHeart here in collegehood.
Speaker 6: Good, then you're going to learn about me the legend.
Speaker 5: I'm just kidding. Hey, Robert, listen, as far as your claims,
Speaker 5: what percentage that you take on are successful. Let's say
Speaker 5: when I say successful, you know at least a thousand
Speaker 5: dollars increase.
Speaker 14: Well, we don't accept a claim unless we're able to
Speaker 14: prove at least eighteen hundred dollars more. And I've never
Speaker 14: lost a case, so so.
Speaker 5: You only take the ones you're pretty certain about.
Speaker 14: No, we only take the So here's how this works.
Speaker 14: I'm not a judge, so I can't make a company
Speaker 14: do anything right. We can just make it very painful
Speaker 14: if they don't follow the law. So an insurance company
Speaker 14: knows that the average person is not going to put
Speaker 14: a lot of effort into fighting a claim that's under
Speaker 14: eighteen hundred dollars, so they will automatically dig their heels
Speaker 14: in make it incredibly difficult for you to succeed. So
Speaker 14: we don't recommend people will pursue a claim that's under
Speaker 14: eighteen hundred dollars just because in the long run, they're
Speaker 14: going to make it not worth it, even though it's
Speaker 14: legally correct. They're going to make it more expensive to fight.
Speaker 14: So with that in mind, we only recommend if we're
Speaker 14: able to prove eighteen hundred dollars or more, because they
Speaker 14: know that the private individual will fight tooth and nail
Speaker 14: for that amount of money, so they're much more likely
Speaker 14: to do what the loss says they have to do
Speaker 14: without too much fuss.
Speaker 6: Now is your Do you have a money back guarantee
Speaker 6: at all?
Speaker 14: We do, and it's right on our website Auto Valueexperts
Speaker 14: dot com. If there's anything faulty, if there's anything that
Speaker 14: can be proven to be wrong with our reports and
Speaker 14: our services, then we have one hundred percent money back guarantee.
Speaker 6: No, I guess here's what I'm asking.
Speaker 5: If the insurance company just won't budge and they don't
Speaker 5: get a dime, so now they're five hundred dollars behind
Speaker 5: their original offer? Is there a money back guarantee that way?
Speaker 5: Because you said, and I know you say you never
Speaker 5: lost a case, I have no reason to doubt you.
Speaker 6: But do you just say trust us?
Speaker 5: And I mean, have you had cases where people paid
Speaker 5: five hundred and got nothing?
Speaker 14: Well, let me answer that with two different answers, because
Speaker 14: it'll make everybody feel more comfortable if they understand the
Speaker 14: whole process. But to give you the most direct answer,
Speaker 14: what happens if the insurance company ultimately does.
Speaker 8: Not do what the law says?
Speaker 14: Well, at that point, and it happens on.
Speaker 6: About wait, hold on, Robert, hold on.
Speaker 5: I don't want to rush you, and since you're local,
Speaker 5: I really want to continue this right after the news here,
Speaker 5: I really do. I want to talk to you about
Speaker 5: the law and what you mean what the law says.
Speaker 5: So hang on. I'm Tom Martino. We got more coming up,
Speaker 5: very interesting. Go with a sure thing Denver's Best roofer
Speaker 5: Excel roofing dot com. You don't pay a cent until
Speaker 5: you're content, wait time for an insurance checkup free, no obligation.
Speaker 5: In comparison, call Compass insurance paying too much your coverage
Speaker 5: at dozens of insurance companies. Find out now three all
Speaker 5: three seven to seven to one help. You'll think you're
Speaker 5: his only customer when you choose Frank durand the real
Speaker 5: estate man dot com to list your home with Remax
Speaker 5: Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: News.
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Speaker 3: Come runing.
Speaker 2: Just as fast as we can, Shooter's gonna help coming man.
Speaker 4: This is the Troubleshooter Show. Now, Tom Martino, Hi.
Speaker 5: Tom Martino here, Welcome to the show. Three oh three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: This I brought to you by Dan McKenzie McKenzie law.
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Speaker 5: Okay, let's talk what's on your mind today. Let's go
Speaker 5: to the phones, and we have Robert Shipley. Now we've
Speaker 5: had more than one inquiry, including my own curiosity, because
Speaker 5: I've heard spots on iHeart and on KHOW and they
Speaker 5: were talking about Autovalueexperts dot com, get your diminished value
Speaker 5: blah blah blah. Since this is something we talk about
Speaker 5: a lot on this show, and we've also had an
Speaker 5: expert over the years, Petty details that he calls himself
Speaker 5: diminished value experts dot com. He's done a pretty good job.
Speaker 5: And so I'm so interested in diminished value. And for
Speaker 5: those listening, diminished values. When you get into a car
Speaker 5: accident and your car may be fixed perfectly, but you
Speaker 5: will never have one hundred percent of its value. Much
Speaker 5: of it is a perceived loss of value when you
Speaker 5: go to sell it or trade it. As a result,
Speaker 5: you have what's called diminished value. And here's the problem.
Speaker 5: If it's your own collision coverage covering you, your own
Speaker 5: policies will disclaim diminished value because you when you signed up,
Speaker 5: you agreed not to pursue diminished value against your own carrier. However,
Speaker 5: if someone else causes you damage, you have every right
Speaker 5: to go after diminished value unless the law prohibits it.
Speaker 5: And as far as I know, there's only one state
Speaker 5: that prohibits diminished value claims by statute, and that's Michigan.
Speaker 5: I believe you cannot sue for diminished value. Robert, are
Speaker 5: there any other states? Do you know he's the owner?
Speaker 5: Robert was gracious to come on. Do you know of
Speaker 5: any other states that prohibit these claims?
Speaker 3: No?
Speaker 14: And if it's okay, I just have just a couple
Speaker 14: of quick correct.
Speaker 6: On that go ahead.
Speaker 14: Certainly, this is this is actually a federal law. It's
Speaker 14: a second Restatement of Torts. Section nine twenty six through
Speaker 14: nine nine cover this, and it's been a law originally
Speaker 14: since nineteen oh three.
Speaker 5: What part what federal law? What are you quoting from,
Speaker 5: sirn Yep?
Speaker 14: It is the second Restatement of Torts? Okay, starts in
Speaker 14: section nine twenty six and goes through nine twenty nine.
Speaker 14: Got it, And it originated that that's the modern language
Speaker 14: of an original nineteen oh three law that governs this.
Speaker 14: So the states, when in Texas, tried to do this,
Speaker 14: when they pass laws blocking this, federal law superseded state law.
Speaker 14: Doesn't matter. States can say all they want to discourage
Speaker 14: you because they're in the pockets of the insurance company
Speaker 14: and the donations. Okay, but the fact is federal law
Speaker 14: overseeds superseded state law. The other thing is, if you
Speaker 14: are in an accident and you have uninsured motors coverage,
Speaker 14: and again somebody else hits you, you can still claim
Speaker 14: against your own policy as long as you pay for
Speaker 14: that extra little bit called uninsured motors coverage. That's the
Speaker 14: only way you can go against your own insurance company
Speaker 14: is if the other person doesn't have coverage and you
Speaker 14: pay the extra for that little additional writer on your insurance,
Speaker 14: then you can pursue to great benefit your own insurance
Speaker 14: company because you're protected then by both contract law and
Speaker 14: port law.
Speaker 5: Okay, okay, by the way, from what I'm reading in
Speaker 5: this law and I listen, I don't disagree with you
Speaker 5: that it's something insurance company should pay. I just want
Speaker 5: to say that right out front. I'm just trying to
Speaker 5: understand the law. This law that i'm reading, the nine
Speaker 5: to twenty nine through thirty nine talks mainly about land
Speaker 5: land value and homes and restoration of loss of use
Speaker 5: and a go ahead.
Speaker 8: I'm sorry.
Speaker 14: It starts in nine twenty six, and there's bits and
Speaker 14: pieces that goes from nine six to nine.
Speaker 5: Okay, oh yeah, yeah, you're right, you're right, yeah, I
Speaker 5: saw that.
Speaker 6: Yeah, okay, right.
Speaker 5: And what you're telling me that the law says it's
Speaker 5: a recoverable expense period, and you're saying that you fight
Speaker 5: and guarantee that you can prove it. But sometimes an
Speaker 5: insurance company will simply, let's just say, they simply refuse
Speaker 5: to do what the law says. What do you do
Speaker 5: in that case?
Speaker 14: So in that case, which happens about one percent of
Speaker 14: the time, one to one and a half percent of
Speaker 14: the type, what we're gonna do is we're going to
Speaker 14: recommend that you file suit in court. Right and I
Speaker 14: can even make a recommendations on attorneys that handle these
Speaker 14: because I do it.
Speaker 5: Can you do a bad faith? Can you do bad faith?
Speaker 14: Yes, yes you can.
Speaker 5: So that would mean that an attorney most likely would
Speaker 5: take it on contingency if it's a good bad faith.
Speaker 1: Yeah.
Speaker 8: Yes.
Speaker 14: And I'm a Daubert certified expert. I'm one of three
Speaker 14: in the nation, and I'm to fight an over two
Speaker 14: hundred and twenty cases over the years of all the
Speaker 14: way through the circuit court in Georgia on the Enterprise
Speaker 14: airbag case, which is a fascinating thing for another time.
Speaker 14: But I will be happy to continue to work for
Speaker 14: you and testify at no charge as an expert in
Speaker 14: the case because I am court certified. So that's why
Speaker 14: I say, even though it's unlikely to go to court,
Speaker 14: even if it does, I'm still there. And again we
Speaker 14: haven't lost a case. Now, if an insurance company starts
Speaker 14: to become difficult to handle and the client just decides, well,
Speaker 14: I'm done messing with this, I'm not gonna mess with
Speaker 14: it anymore, that's not my fault. I do not refund
Speaker 14: money for that.
Speaker 11: So that's what.
Speaker 5: Okay, get it, I get a tee, I get it.
Speaker 6: Your guarantee is to work it through to the end.
Speaker 14: Correct And if my client wherever to lose, which would
Speaker 14: mean that the court would say it's not a valid report.
Speaker 14: And if my written guarantee that if there's a mistake
Speaker 14: or it's faulty, I'll pay one hundred percent of it back,
Speaker 14: that's that's not a problem. If I so much is
Speaker 14: misspell a word in the report, which is usually about
Speaker 14: sixty pages long, then I will pay the money back.
Speaker 14: I absolutely guarantee the quality of our work.
Speaker 5: Are there any insurance companies that are worse than others
Speaker 5: to work with?
Speaker 14: There is, And it's kind of sicklical about every eight
Speaker 14: to ten years, all insurance companies are going to try
Speaker 14: to challenge a few of them, just to see if
Speaker 14: you're if the system's going to allow it to be challenged,
Speaker 14: right all, Stagy is one of the easiest, believe it
Speaker 14: or not. Yes, there is one company that you will
Speaker 14: not believe is actually the hardest to deal with of
Speaker 14: the major companies, and that's USAA. And no I believe that, honey. Ironically,
Speaker 14: USAA is one of the insurance companies. Because I work
Speaker 14: for everybody. The loss is the loss. So I work
Speaker 14: for the public, I work for law firms, and I
Speaker 14: work for insurance companies when they're suing other insurance companies,
Speaker 14: and I am an designated expert for USAA, and USAA
Speaker 14: has about a five percent of their claims. They all
Speaker 14: want to take it to court just to show up
Speaker 14: at the judges chambers and settle the case there, just
Speaker 14: to see if we're going to fight it all the way.
Speaker 14: Because once we go into an actual court and I say, hey,
Speaker 14: I'm an expert for this company, they can't reject my report.
Speaker 14: Then they know they're going to lose. So yeah, they're
Speaker 14: not the most ethical when it comes to this. One
Speaker 14: last thing is that it will make stir the pot
Speaker 14: a bit with all this is that because it's been
Speaker 14: a los since nineteen oh three. When an insurance company
Speaker 14: charges you your monthly premium, part of what they're factoring in
Speaker 14: into their bill to get your money is they factor
Speaker 14: in having to pay diminished value on every single car
Speaker 14: you ever potentially hit, but less than one percent of
Speaker 14: the time it's claimed, so they're collecting the money for it.
Speaker 7: It's not coming out.
Speaker 14: Out of your pocket. And then they don't offer it
Speaker 14: and they just keep right ninety nine percent of the
Speaker 14: time they keep it a profit.
Speaker 5: Surprise, insurance companies actually doing something wrong.
Speaker 6: Wow, and it's Robert.
Speaker 14: Just one more thing that might blow your mind, and
Speaker 14: that is when your car is in a total loss,
Speaker 14: the insurance company decides to total it out, and it's
Speaker 14: not diminished value we're dealing with. Now, we're dealing with
Speaker 14: a total loss. When they decide to total your loss
Speaker 14: and they send you a report saying, hey, we're going
Speaker 14: to pay you twenty thousand dollars whatever it is, they
Speaker 14: use a program that is usually sixty percent of the
Speaker 14: real value that they should be paying you.
Speaker 6: So you work for those cases too.
Speaker 14: For totaled Yes, yes, So if you have an accident
Speaker 14: where your vehicle has been totaled, as long as you
Speaker 14: don't accept that check, we can challenge it and get
Speaker 14: you the amount that you're truly owed.
Speaker 8: On a total loss.
Speaker 14: Also, everybody just assumes they have to accept it.
Speaker 6: No, you don't, now, Robert.
Speaker 5: If someone had a car fixed or had a claim
Speaker 5: and they think the claim is closed, can you reopen
Speaker 5: a recent claim?
Speaker 14: If we're talking diminished value, it doesn't legally close until
Speaker 14: the two year mark here in Colorado, So if your
Speaker 14: vehicle is repaired, we can go back up to two
Speaker 14: years prove what your car is worth at that time
Speaker 14: and what your diminished value is. However, on a total loss,
Speaker 14: once you cash that check, that claim is done. There's
Speaker 14: no way to reopen it.
Speaker 5: Now, let's talk about aren't there some cars that are
Speaker 5: so old or it gets to a point where there's
Speaker 5: really not diminished value.
Speaker 14: Yes, because it's a percentage of the overall value. So
Speaker 14: if you have a twenty year old Kia, it's not
Speaker 14: going to have any value, right, Okay, you have a
Speaker 14: forty year old Mercedes, Now it's a collectible. That's a
Speaker 14: whole nother ballgame. And yes, you can have it. If
Speaker 14: you have a nineteen ninety nine heavy duty pickup truck
Speaker 14: that still has a reasonable value, then yes, you can
Speaker 14: still make a claim. It just depends on what that
Speaker 14: initial value is. And here's how you can come out
Speaker 14: ahead using our services. When we talk to a client
Speaker 14: on the phone, we get them to send us the
Speaker 14: documents we need, and we do the report upfront, whether
Speaker 14: it's a total loss or diminished value. We do that
Speaker 14: report and finalize it and then call the customer and say, hey,
Speaker 14: this is how much we can prove here. You're entitled
Speaker 14: to X number of dollars. Knowing that, do you want
Speaker 14: to hire us? If they just wow, they owe it's nothing.
Speaker 5: If they decide so, you'll give them a free kind
Speaker 5: of estimate.
Speaker 14: Yeah, I'll tell them exactly down to the penny what
Speaker 14: it is they're purchasing. We will never ask you to
Speaker 14: buy something you don't know.
Speaker 6: Okay, So okay, got it?
Speaker 8: Okay.
Speaker 14: Once that we have that conversation and they agree to
Speaker 14: go forward, they pay the flat fee. It's four hundred
Speaker 14: and fifty dollars. We submit the report to them to
Speaker 14: send in and we'll send a copy in as well,
Speaker 14: and then we go on from there. We have to
Speaker 14: collect our feed before the report is submitted because that
Speaker 14: keeps us unbiased. We're not party to the claim. We're
Speaker 14: not on a sliding scale, we're not based on the outcome.
Speaker 14: We're completely independent and that's what gives us the teeth,
Speaker 14: the threaten to go to court if necessary. But that
Speaker 14: being said, we do the report first, tell the client
Speaker 14: exactly what they're entitled to, and then they make that
Speaker 14: determination if they want to proceed or not.
Speaker 6: Robert, thank you very much.
Speaker 5: If you could be so kind as leave some local
Speaker 5: contact information for Kelly, my producer. I would love to
Speaker 5: catch you on from time to time as an expert.
Speaker 5: Auto Value Experts dot com eight six six four two
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Speaker 12: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine to zero
Speaker 5: sixteen twenty two. Hi Tom Martino here three three seven
Speaker 5: one three talk. John Jones Junior is our insurance expert
Speaker 5: for health insurance at Integra Insurance dot com. And I'll
Speaker 5: give you that number if you're looking for health insurance.
Speaker 5: Don't ever do it alone. I mean, she's there's no
Speaker 5: you don't save money going direct, by the way, and
Speaker 5: just I'll just throw that out there now.
Speaker 6: Greg had a question, and.
Speaker 5: It's really it is not a bad question. You know,
Speaker 5: he's got insurance with United Healthcare. He has a CPAP machine.
Speaker 5: But during this whole process he became frustrated with the
Speaker 5: EOB explanation of benefits, which is online, and then he
Speaker 5: also got an email upon request. Now I know my
Speaker 5: eobs are actually mailed. Plus they're online explanation of benefits,
Speaker 5: and I actually don't want the mail, and they don't stop,
Speaker 5: he said.
Speaker 6: Now I'm talking about they.
Speaker 5: My insurance is not is not what you call it United.
Speaker 5: I have a Medicare with a supplement that Integra found me.
Speaker 5: But I want to ask in general, John, can they
Speaker 5: refuse to send mail? Because Greg told us and I
Speaker 5: heard that they do not have to because of the
Speaker 5: Paperwork Reduction Act, they do not have to send paper statements.
Speaker 5: But do you know the rule John, when it comes
Speaker 5: to health insurance explanation of benefits?
Speaker 16: My understanding is that you as the patient, you as
Speaker 16: the consumer, you have the right to request paper uh papers.
Speaker 16: And as part of the application for any of these
Speaker 16: health insurance companies is do you want to go to
Speaker 16: your email or do you want it paper forms?
Speaker 8: Paper?
Speaker 16: And of course think that there are there are things
Speaker 16: that are mandated to be sent through mail, but certain
Speaker 16: things like eobs and things like that aren't, and so
Speaker 16: you don't have to get them through bye bye paper.
Speaker 5: No, but could they could they could they set that
Speaker 5: out as a condition in the beginning that we will
Speaker 5: not send them out.
Speaker 16: I don't know if it's set out as a condition
Speaker 16: in the beginning, but there is typically on a health
Speaker 16: insurance application a box that you check saying I prefer
Speaker 16: to have it through through electronic uh, you know, transmission
Speaker 16: to that information.
Speaker 5: So Greg, Greg, did you do you specifically ever go
Speaker 5: online on your profile on United Healthcare? Do you have
Speaker 5: online access to them?
Speaker 13: Well, it's not the explanation of benefits. I'm having the
Speaker 13: problem with it. It's the actual bills because the explanation
Speaker 13: of benefits just says medical supplies, but it doesn't give
Speaker 13: me any detail whatsoever.
Speaker 5: Hold on, hold on, but let me ask you a
Speaker 5: couple of questions. Greg.
Speaker 6: Are you getting the EOB by mail?
Speaker 13: Yes, I am. I don't have any problem with you.
Speaker 5: Then I'm sorry, John, I misunderstood John. So then the
Speaker 5: meta stay on, though, John, So it's actually the provider
Speaker 5: that is not giving you the bill.
Speaker 17: Correct.
Speaker 5: Now, normally let's not take this provider. But normally when
Speaker 5: you go to a doc or anyone, do you get
Speaker 5: bills by mail or do they go directly to your insurance.
Speaker 13: Uh, I get I get bills by mail. I mean
Speaker 13: I get the explanation of benefit.
Speaker 5: I'm not about EOB anymore. Now I'm asking about this.
Speaker 5: If you go to a normal doc with your health insurance,
Speaker 5: you get a copy of the bill they send to
Speaker 5: the insurance company.
Speaker 13: They give me a bill to say what I owe.
Speaker 5: Okay, that's your out of pocket. But on that bill,
Speaker 5: do you see the whole bill.
Speaker 6: And an explanation?
Speaker 5: I don't mean an EOB, but I mean, for example,
Speaker 5: you go to your primary care.
Speaker 6: They do some lab work.
Speaker 5: Do you get a breakdown of what your insurance paid
Speaker 5: and what.
Speaker 6: You need to pay on the doctor bill?
Speaker 14: I don't know.
Speaker 13: I'd have to look at one, but I think I
Speaker 13: think I do. I mean, it gives me enough information
Speaker 13: to know, like, you know, it was a doctor visit,
Speaker 13: and then where's the procedure? So they they give you
Speaker 13: So there's.
Speaker 6: An out of pocket bill.
Speaker 5: You receive an out of pocket bill? Yes, okay, what
Speaker 5: I want to know is this, You receive an out
Speaker 5: of pocket bill from every provider you went to except
Speaker 5: for the CPAP.
Speaker 13: That's correct.
Speaker 5: Did you ever order another medical appliance in the past.
Speaker 13: No, that's my first time.
Speaker 6: Okay, John, what do you make of this?
Speaker 5: He can't get the supplier of the CPAP. Now, Greg,
Speaker 5: did a doctor prescribe the cpath and did the doctor
Speaker 5: bill you? Or did the CPAPS supplier bill you directly?
Speaker 13: So the CPAP supplier is the one I'm on the
Speaker 13: hooked for for the payments, and I've just seen it
Speaker 13: on the explanation of benefits.
Speaker 5: So but okay, So the CPAPS supplier did not send
Speaker 5: it to the doc who then released it to you.
Speaker 13: I could call my E and T to see if
Speaker 13: they got any bills, but I can I imagine it
Speaker 13: probably did not.
Speaker 6: Did the e NT send you a bill.
Speaker 13: Not for the se PEP machine, No.
Speaker 5: But for the for the visits to diagnose your apnea?
Speaker 3: Yes?
Speaker 5: And on those bills you're satisfied they were sent by mail.
Speaker 13: Yes?
Speaker 6: Okay.
Speaker 5: So John, it all comes down to the supplier of
Speaker 5: the spath sending the bill directly to the insurance company
Speaker 5: and will not mail him one. Now, personally, I don't
Speaker 5: know why he cares, because the EOB says what he
Speaker 5: owes and and that and and by the way, Greg,
Speaker 5: the out of pocket, who do you send it to
Speaker 5: United Healthcare or the SEPAP supplier.
Speaker 13: I would send it to Aerocare. And I mean the
Speaker 13: reason I'm dissatisfied.
Speaker 5: How do you send it to Aerocare if they did
Speaker 5: not send you a bill.
Speaker 13: I just paid the amount that they said to pay
Speaker 13: from the.
Speaker 6: That who said to pay that who said to pay.
Speaker 13: The United Healthcare.
Speaker 5: So United Healthcare tells you what to pay to Errowcare.
Speaker 5: How do you know where to send it to Errowcare.
Speaker 13: I've just been using the United Healthcare portal to pay it.
Speaker 5: But the last okay, I got it, I got it, now,
Speaker 5: got it, got it?
Speaker 6: Got it, John.
Speaker 5: So he goes on United Healthcare, he sees his portion,
Speaker 5: and he pays, and it goes to Arrowcare. He wants
Speaker 5: to know why Erowcare will not send him a bill. Again,
Speaker 5: I don't know the reason. He has access to everything
Speaker 5: on his portal. But do you do you know if
Speaker 5: suppliers are different than healthcare providers?
Speaker 16: Well, so if I can ask you a question real quick,
Speaker 16: because it sounds like part of the frustration is that
Speaker 16: the breakdown explanation for you, sir, is not is not
Speaker 16: it doesn't give you enough information.
Speaker 5: It's not clear correct.
Speaker 13: It just says medical supply. I don't know if it's
Speaker 13: rental of the machine. I don't know if it was
Speaker 13: some supplies that I ordered. I don't know anything what
Speaker 13: it is.
Speaker 16: That supplies and that would be DM, that would be
Speaker 16: under you know, your durable medical equipment that would fall
Speaker 16: into that whatever the SEPAP health insurance plan exactly your SEPAP, however,
Speaker 16: your health insurance plan specifically covers DM and and so
Speaker 16: then a sitting process of course through your health insurance
Speaker 16: plan according to those benefits are according to that benefit structure,
Speaker 16: and then you're left with what you owe now, right.
Speaker 13: But I don't know whether it's a rental of the
Speaker 13: machine or a mask to that body anything, just medical supplies.
Speaker 13: That that is very vague, I mean.
Speaker 5: And your insurance doesn't tell you.
Speaker 8: No.
Speaker 5: Okay, certainly, I think people have a right to know
Speaker 5: what they're paying for. But to be honest with you here,
Speaker 5: I don't think it's going to be that important because
Speaker 5: no matter but no matter what it is, United Healthcare
Speaker 5: is not going to pay or make you pay anything
Speaker 5: that's not legit. They're really strict on what they pay out.
Speaker 5: But John does he have a case wanting to know
Speaker 5: what he's paying for. It sounds logical to me that
Speaker 5: he should be. I mean, I have to.
Speaker 6: Take this pray.
Speaker 5: Hold on, guys, I know this nippicking and maybe Greg's
Speaker 5: a pain in the ass, but I don't know if
Speaker 5: it's so bad.
Speaker 6: I think that there's nothing.
Speaker 5: Wrong with someone wanting to know what they're paying for.
Speaker 5: Hold on both of you, if you can. We have
Speaker 5: more coming up on the Troubleshooter Show. Three O three
Speaker 5: seven one three eight two five. I speaking of health,
Speaker 5: Denverregen dot com for stem cell therapy.
Speaker 6: I love these guys.
Speaker 5: It works Denverregion dot com. Go with a sure thing
Speaker 5: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 5: a cent until you're content. Time for an insurance check
Speaker 5: up free, no obligation. In comparison, call Compass Insurance paying
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Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three all three nine two zero
Speaker 5: sixteen twenty two. Hi Tom, Martino your troubleshooter three all
Speaker 5: three seven one three talk. I want to remind you
Speaker 5: you can always text me, and I got a lot
Speaker 5: of texts to go through on my Google number comes
Speaker 5: direct to my cell phone, including calls and voicemail. But
Speaker 5: I have it through Google so I can turn it
Speaker 5: on and off if I need to. I haven't needed to.
Speaker 5: It's a it's a wonderful thing. You can have direct
Speaker 5: access seven four seven nine nine nine fifty two eighty
Speaker 5: seven four seven nine nine nine fifty two eighty and uh,
Speaker 5: let me go back to the phone though. So to
Speaker 5: finish this up, John Jones Juniors with Integra Insurance, by
Speaker 5: the way, for your health insurance needs, were talking about
Speaker 5: he gets all his bills by mail except from the
Speaker 5: supplier of the seapap. They will not give him a
Speaker 5: paper bill, and he simply wants to know what does
Speaker 5: the invoice look like? Is he renting? Is he buying?
Speaker 5: Is he buying this? Is he buying that? By the way, Greg,
Speaker 5: a quick question, since you began the adventure with the seapap,
Speaker 5: did you get do you get any Are there any
Speaker 5: supplies to buy with the seapap? Are there filters or
Speaker 5: face masks or tubing or anything you have to replace
Speaker 5: or have you simply kept the same gear?
Speaker 13: Oh, you have to replace it. I mean these these
Speaker 13: supplies are you know, basically disposable after a while.
Speaker 5: And now what I asked Greg, what I asked is
Speaker 5: have you replaced stuff supplies?
Speaker 8: Yes? I have.
Speaker 13: I should tell you that as of August of last year,
Speaker 13: I disconnected from Aerocaren. I'm with a different company now
Speaker 13: for my supplies.
Speaker 5: Okay, So aero Care only supplied the supplies.
Speaker 13: They supplied the machine.
Speaker 5: I mean, excuse me, now, they only supply now you
Speaker 5: still have their machine, though, is what I meant.
Speaker 13: All right now, as far as I understand, I own
Speaker 13: the machine, but I'm not even sure of that.
Speaker 6: Okay, here's what I want to know.
Speaker 5: On the previous excuse me, on the new supplier, do
Speaker 5: they send you paper bills?
Speaker 13: They've sent me one paper bill so far? Yes?
Speaker 1: Good?
Speaker 6: Okay, good.
Speaker 5: So all we're talking about is the machine itself, and
Speaker 5: do you have recurring bills since you switch suppliers?
Speaker 13: The machine itself plus nine months of supplies.
Speaker 5: So right now, though, the call today is it about
Speaker 5: the past nine months of supplies?
Speaker 13: It's about everything that Erica builled me. It's basically twenty
Speaker 13: twenty three all the way through, like, okay, twenty three,
Speaker 13: and then they still build me through March of this year.
Speaker 5: What did they bill you for through March? March of
Speaker 5: this year?
Speaker 13: Medical supplies?
Speaker 6: And then you switched in March of this year.
Speaker 13: I actually stopped using Aerocare in August. It took me
Speaker 13: like four months to get onboarded, Okay.
Speaker 8: I get it. I get it.
Speaker 5: So basically, John, he simply wants paper explanations for the
Speaker 5: bills he's received from Aerocare. Does Aerocare have an online
Speaker 5: portal for you, Greg, where you could download PDFs or not?
Speaker 13: They have never told me. I've talked to them four
Speaker 13: times and I've asked them semis okay.
Speaker 6: Now again again again.
Speaker 5: I have some people texting me saying you sound like
Speaker 5: a pain in the ass. But I want to make
Speaker 5: this clear.
Speaker 6: I don't think you're being a pain in the ass.
Speaker 5: I see no reason why you should not have complete
Speaker 5: records of what you paid for. John Jones is not
Speaker 5: part of this. He's just a health insurance expert. John.
Speaker 6: Is there are a way to get this done?
Speaker 5: You think?
Speaker 8: Greg? Explain again?
Speaker 16: Real quick for me, if you don't mind.
Speaker 8: Just quickly.
Speaker 16: You've spoken with air okare several times? You said four times,
Speaker 16: and every time they just tell you no.
Speaker 13: They say they're going to do it, and they never do.
Speaker 16: Okay, so they say they're going to do it, but
Speaker 16: they don't correct, gotcha. So that means it's not that
Speaker 16: they're not able to. It doesn't mean that they're not.
Speaker 16: They're not. They don't have to. They just end up
Speaker 16: not following through on it.
Speaker 8: Yeah.
Speaker 5: Wow, crazy crap, I'm telling you.
Speaker 18: Yeah. I mean, then you're just with.
Speaker 16: Poor, poor, poor customers.
Speaker 5: Okay, I just found out we on their website hold on,
Speaker 5: hold on, hold on.
Speaker 13: Hold on fifty for a machine that costs seven hundred.
Speaker 5: And I listen, man, I just found something out. And
Speaker 5: I'm sure it's not going to be pleasing to you,
Speaker 5: but it's the best. It's the best thing I can
Speaker 5: do for you right now.
Speaker 6: There is a website that provides.
Speaker 5: An online portal. All you have to do is give
Speaker 5: your name an account number, and you can visit the
Speaker 5: portal and download every single bill in a PDF form
Speaker 5: and look at what you're paying for. And I'll give
Speaker 5: you the website here. It is Okay, it's it's it's
Speaker 5: total access to everything build to your insurance company in
Speaker 5: your name and to you.
Speaker 6: It's Arrow Care U S A.
Speaker 5: Dot h M E bill pay dot com.
Speaker 13: Okay, h T h M E billpay dot com.
Speaker 5: Yeah, h M E, which probably stands for home bill
Speaker 5: pay dot com. Now what you have to do on
Speaker 5: this is register first, and then they'll send you a
Speaker 5: code and all you need do you have an account
Speaker 5: number with them?
Speaker 13: I have no idea what that would be.
Speaker 5: Okay, here's what they're asking for, first name, last name,
Speaker 5: email address.
Speaker 6: That's all. Actually you don't need anything else. And then
Speaker 6: you have to.
Speaker 5: Do a verification process. Listen, why don't you try that?
Speaker 5: Let us know how it works. Three O three seven
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Speaker 10: You don't pay a cent until you're content.
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Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
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Speaker 5: three nine two zero sixteen twenty two. Hey, I'm Tom Martino,
Speaker 5: your troubleshooter excel Roofings with us in the house and
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Speaker 5: complaining about the ac up there, even though I have
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Speaker 5: the attic and said, I don't even know how this
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Speaker 1: Yeah Rift you need so you don't have.
Speaker 3: Come, run in just as fast as we can.
Speaker 2: Shooter's gonna help coming.
Speaker 4: Man Dix is the Troubleshooter Show. Now, Tom Martine, Hello.
Speaker 5: I'm Tom. Welcome to the show. Three O three seven
Speaker 5: one three talk three all three seven one three.
Speaker 6: Eight two five five.
Speaker 5: We are here to help you solve your problems, answer questions,
Speaker 5: and take your complaints. This hour brought to you by
Speaker 5: Excel Roofing. Excel is an excellent Excel Roofing dot Com
Speaker 5: three oh three seven six one sixty four hundred. Well,
Speaker 5: talking about the importance of attic ventilation for your entire house,
Speaker 5: I'm going to tell you something you need to have
Speaker 5: a check. And then if you're having your roof done
Speaker 5: it's automatic. And then what else is out there in
Speaker 5: the roofing industry that can keep us from having repeat
Speaker 5: visits and truly impact resistant.
Speaker 6: We'll talk about Charlie.
Speaker 5: What's going on? Sir?
Speaker 18: Hey Tom, Hey Tom, Thanks Dave my call.
Speaker 5: So I go on.
Speaker 18: I got a civil penalty from the Colorado Transportation Investment
Speaker 18: Office and.
Speaker 5: That's the I seventy and that, let me guess it
Speaker 5: was for going in and out of those high occupancy lanes.
Speaker 18: Yep, exactly, that's what they're saying.
Speaker 5: Yeah, I know everyone's getting a man, I'm telling you.
Speaker 5: And here's what they do. If you visit that if
Speaker 5: you swerve in and out of that lane and you
Speaker 5: do not enter where the broken lines are and exit
Speaker 5: where the broken lines are.
Speaker 6: You will get a ticket.
Speaker 5: They have an algorithm that tracks you going in or
Speaker 5: going out and whether or not you.
Speaker 6: Hit a toll.
Speaker 18: Okay, so now so with that, go ahead with that said.
Speaker 18: With that said, real quick like, they sent me the
Speaker 18: photos right and it just it's just a photo of
Speaker 18: my car and the license plate. It was taken at night.
Speaker 18: You can't tell what lane I'm in at all. Number one.
Speaker 18: Number two, the loss specifically states that if there is
Speaker 18: a reason to go into that lane, I eat, an
Speaker 18: animal pulls, jumps out in front of you, or the
Speaker 18: vehicle in front of you puts on their brakes excessively,
Speaker 18: and you have to safely swerve to maneuver so you
Speaker 18: don't hit that vehicle, which was in my case it was.
Speaker 18: They then the penalty should not apply.
Speaker 5: How much?
Speaker 6: How much is the fine?
Speaker 18: One hundred and fifty dollars plus at a beutification? Because
Speaker 18: I sent in my rebuttal to the to the regional ticket,
Speaker 18: they turned around and just sent it back as adjudicated
Speaker 18: as guilty and sent it to me as one hundred
Speaker 18: and eighty dollars.
Speaker 5: Now wait a minute, how can they adjudicate it without you?
Speaker 5: There's a court hearing, right or not?
Speaker 18: At what I thought, but apparently not.
Speaker 5: Well, what if you don't pay that? Eventually it's going
Speaker 5: to end up in court?
Speaker 18: Well, they according to this ticket, they said, they're just
Speaker 18: going to hand it over to the collection agency.
Speaker 5: Well I understand that, but then what do you think
Speaker 5: a collection agency does.
Speaker 18: Correct, they're going to put it up against my credit
Speaker 18: and try to collect.
Speaker 5: Well, no, they're going to have to They're going to
Speaker 5: have to take to court to get a judgment. You see.
Speaker 5: I don't understand though, when you said they adjudicated it,
Speaker 5: I don't think you're reading that correctly.
Speaker 6: It didn't go to a judge.
Speaker 18: Well, correct, it did not go to a judge. It
Speaker 18: went to a what did they but did they give them?
Speaker 18: They gave them a title. My apologies, I have it
Speaker 18: here in front of me.
Speaker 8: Okay.
Speaker 5: What I need to know is, hold on this notice
Speaker 5: that you got of adjudication. Who did that come from?
Speaker 18: It came from? It said final order of liability from
Speaker 18: the Colorado Transportation and Investment Office.
Speaker 5: Colorado Transportation Investment Office. And is that who sent the
Speaker 5: original ticket?
Speaker 8: Correct?
Speaker 5: Okay, what a hell of a name for that? And
Speaker 5: so was it called a hearing officer or what?
Speaker 18: Yeah, so it was trying to see exactly because it's
Speaker 18: got a natural individual name on here, but they're not
Speaker 18: showing his title. It says hearing off officer.
Speaker 5: Correct, hearing Okay, hearing Okay, yep, so you had a hearing.
Speaker 5: I don't even understand how you have a hearing. By
Speaker 5: the way, none of this really matters because you will
Speaker 5: lose eventually, and I don't think that's right, but you
Speaker 5: will because you don't have any any kind of proof
Speaker 5: that you're going to be able to use, and they
Speaker 5: will adjudicate against you eventually. But I just think it's
Speaker 5: weird they did it without at least you having your say.
Speaker 18: Well, I guess what gets me is because the laws
Speaker 18: specified if.
Speaker 6: I understand that, but you have to prove it.
Speaker 5: So if you don't have a dash cam or anything
Speaker 5: like that, you don't have evidence. Okay, Charlie, I'm not
Speaker 5: I'm not trying to be a deliver or a bad
Speaker 5: news I'm telling you the facts that you can fight
Speaker 5: it all you want. You will eventually lose, and the
Speaker 5: one eighty is going to be three sixty or four
Speaker 5: fifty or something like that. But just so you know,
Speaker 5: I mean you can fight it. I'm looking it up here.
Speaker 5: You can fight it. So it is a civil penalty.
Speaker 18: They're saying, I have thirty days, yeah, to appeal it.
Speaker 5: That's right, and you should as long as you want. Now, remember,
Speaker 5: the more they look at it, the more it goes up.
Speaker 5: It's kind of like blackmail. But most of the time,
Speaker 5: to be really straight with the road, they don't get
Speaker 5: it wrong. Most of the time you said a car
Speaker 5: made you swerve out of the way. I don't know
Speaker 5: what did they They don't have to prove did you
Speaker 5: present any evidence or did you just state it?
Speaker 3: No?
Speaker 18: I did present evidence.
Speaker 6: What was your evidence?
Speaker 7: That's why, that's why what was your evidence?
Speaker 6: What was your evidence?
Speaker 5: So photos that I have?
Speaker 6: What photos do you have.
Speaker 18: From a It wasn't a video from a dash cam,
Speaker 18: but it was showing how the I took it with
Speaker 18: my cell phone that everybody else was on on on
Speaker 18: their on their breaks effectively came up over the hill.
Speaker 18: I swerved into the express lane because that was the
Speaker 18: closest exit that I had without rear ending the vehicle
Speaker 18: in front of me.
Speaker 5: Okay, and you took a picture of that, So you
Speaker 5: had the presence of mind to take a picture of that.
Speaker 18: Correct. And here's what even gets me even more?
Speaker 5: Is it is it date stamped? Is it date and
Speaker 5: time stamped?
Speaker 17: No, it's not.
Speaker 6: Why isn't it?
Speaker 18: Well, I mean it's not on It's probably it's in
Speaker 18: the metadata, but it's not on the photo itself.
Speaker 12: So if you use an iPhone, if you just swipe
Speaker 12: up on that picture, it'll show you all that information.
Speaker 14: Correct.
Speaker 6: Well, then you take a strange shot.
Speaker 18: Of that when I submitted, when I submitted everything, I
Speaker 18: don't know if that transfers with it.
Speaker 5: I don't know if it does either the metadata, I
Speaker 5: don't know.
Speaker 18: They even take it into consideration.
Speaker 5: Of course, if it was a true if it was
Speaker 5: true evidence, they should Now can you send it to us?
Speaker 18: Yeah, I can say, I'll send I'll send you guys
Speaker 18: everything that I sent them.
Speaker 5: Okay, I want to know the separate attachments. I want
Speaker 5: to look at it. Look sure, as I said, I
Speaker 5: can't believe you had the presence of mind. So when
Speaker 5: you swerved to get out of the way, when everyone
Speaker 5: was stopped, you pulled your cell phone up and took
Speaker 5: a picture, saying, I'm not going to be nailed for this, correct,
Speaker 5: I swear? So wait, wait, so you knew you knew that,
Speaker 5: you knew that you shouldn't have swerved into that lane,
Speaker 5: and when you did, you felt you needed to take
Speaker 5: a picture to protect yourself.
Speaker 18: So my phone is up on my dashboard.
Speaker 5: Got it? Okay, Yeah, I know what you.
Speaker 18: Mean, already mounted I normally I actually normally have have
Speaker 18: it recording as a dash cam. Yeah that reason. Yeah,
Speaker 18: and I have been nailed for going in the lane
Speaker 18: and out of the lane prior to them actually issuing tickets.
Speaker 18: So I was mindful of the fact, right go in it,
Speaker 18: they will right you right? So mindful of the fact
Speaker 18: that you know I have an express toll I'm fully
Speaker 18: registered with Express Tool, with the sticker and my tag.
Speaker 18: So of course I was aware that you can't just
Speaker 18: go in and out as you please, that you have
Speaker 18: to go in the designated entry points and exit points.
Speaker 5: Okay, so then you when you hold over were you at? Yeah?
Speaker 18: When I swerved in because everybody was coming to a
Speaker 18: full stop and I swerved into it, that's when I
Speaker 18: just turned around and grabbed my quite pushed the button
Speaker 18: on my phone and hit the camera thing not the
Speaker 18: video because it defaulted to a photo, and held it
Speaker 18: down and it took a burst of showing all the
Speaker 18: traffic stuff.
Speaker 5: I'd love to see those. Well, there is a possibility
Speaker 5: you could win.
Speaker 18: Because my mentality is these guys are just going stamp.
Speaker 18: I get a percentage of this fine.
Speaker 6: Well, hold on, hold on, hold.
Speaker 18: On, iteration of facts.
Speaker 5: Okay, here's the deal. I don't think that's the case.
Speaker 5: I don't think. I think obviously they want to collect.
Speaker 5: I just think they're lazy.
Speaker 18: There you go. I would agree with that.
Speaker 5: So I want to know how far will they take it?
Speaker 5: What do you think?
Speaker 18: That's a great question, And considering it's not even an
Speaker 18: actual state department, it's an investment group out of all.
Speaker 5: Well, how do you know it's Colorado Transportation? Did you
Speaker 5: look them up?
Speaker 1: Yes?
Speaker 18: The Express Tool Lane on I seventy was backed and
Speaker 18: is owned by an Australian group.
Speaker 5: Really yep.
Speaker 18: So effectively the state is collecting a fine on behalf
Speaker 18: of this. Now here's the interesting part. How does the
Speaker 18: find get divvied up between the state and the Transportation
Speaker 18: Investment Office? Okay, that's even the bigger question.
Speaker 5: I don't know, I'm looking it up right now, but
Speaker 5: I think that it doesn't matter. Why does it matter
Speaker 5: how it's divvied up, you tell me.
Speaker 18: Because it's taxpayers money that ultimately is going towards a fine.
Speaker 8: That is case.
Speaker 5: Here's the procedure set out by statute. Here's the procedure
Speaker 5: set out by Here is the procedure set.
Speaker 6: Out by statute.
Speaker 5: The initial dispute, the administrative hearing you went through. Now
Speaker 5: you do it a court appeal. If the hearing does
Speaker 5: not resolve the issue to your satisfaction, you can appeal
Speaker 5: the decision to accounty court. So the administrative hearing is
Speaker 5: not court, it's not a judgment. This is where you
Speaker 5: would have a chance to present your case before a
Speaker 5: judge and then follow the timeline and procedure and you
Speaker 5: can do it. Now.
Speaker 6: The court appeal is a real court hearing.
Speaker 5: Now, if you lose, you will simply be assessed court
Speaker 5: fees and the original and the original fine, not the
Speaker 5: original original, but the one that went up to They
Speaker 5: say it's it's usually a certain amount. Then after so
Speaker 5: many days it goes up to one point fifty, and
Speaker 5: then after the hearing it goes up again. So that's
Speaker 5: what you should do then, I mean, really, you're convinced
Speaker 5: you have a good case. By the way, if you
Speaker 5: bring up to the judge the fact that they split
Speaker 5: the fine and divvied up, that goes nowhere. That's not evidence.
Speaker 5: That's just being pissed off. I mean, truly, it'll have
Speaker 5: zero bearing at all.
Speaker 18: But here here's my dilemma. It says I have to
Speaker 18: appeal it in the court in the county in which
Speaker 18: the safety violation occurred. Being that it was a long
Speaker 18: I seventy and this this fine, the civil penalty was
Speaker 18: coming from Edgewater, Colorado, I have to appeal it in
Speaker 18: the actual county.
Speaker 6: That the So what's the big deal?
Speaker 5: Yeah, yeah, So what's the big deal?
Speaker 18: Okay, I just it's nothing. I've got to figure out
Speaker 18: what county that is.
Speaker 5: That's right, you do, where where that is?
Speaker 18: And then I have to go through that.
Speaker 5: By the way, just so you know, the majority of
Speaker 5: the funds go to the CTIO. A portion of the
Speaker 5: findes are allocated to the state. The vast majority goes
Speaker 5: to the CTIO. The CTIO is mandated to use the
Speaker 5: majority of funds to improve express lanes, cover administrative costs,
Speaker 5: and support enforcement programs. What that means I do not know.
Speaker 5: I just don't know. But even if it's a money grab,
Speaker 5: they're going to say, and most fines are money grabs,
Speaker 5: they really are. But they're saying it's for uh yeah.
Speaker 5: And by the way, they say it is not independent.
Speaker 5: It's owned by the government. I don't know where you found,
Speaker 5: they say. But I'm going to look that up again.
Speaker 5: But they say it's a Colorado owned and operated group.
Speaker 5: But maybe I'm looking it up wrong. I'll find out.
Speaker 5: We have more coming right up. Go with a sure
Speaker 5: thing Denver's Best roofer Excel Roofing dot com.
Speaker 10: You don't pay a cent until you're content.
Speaker 3: Of it.
Speaker 5: Time for an insurance check up, free, no obligation in comparison,
Speaker 5: call comes Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: seven one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three all three
Speaker 5: nine to zero sixteen twenty two. Hi Tom Martino, your
Speaker 5: troubleshooter three oh three seven one three talk three oh
Speaker 5: three seven one three eight two five five. Welcome to
Speaker 5: the show, folks. We're here to help you solve problems,
Speaker 5: answer questions, take complaints, make your life a little easier.
Speaker 5: And we have Aspen on Aspen, what's going on?
Speaker 19: Hello, Tomm. I just have a little bit of a
Speaker 19: situation with a contractor. It all kind of started in
Speaker 19: July with me purchasing materials for a roof deck that
Speaker 19: he was supposed to do for me, and uh so
Speaker 19: I brought.
Speaker 5: Out why what what what was he hold on?
Speaker 6: Was he a roofer?
Speaker 19: No, he's I saw he's a contractor that does uh
Speaker 19: different kinds of work. He's uh he repaired my deck
Speaker 19: for me first.
Speaker 5: Yeah, but here's what I want to know, Aspen, what's
Speaker 5: the name of the company.
Speaker 3: There.
Speaker 19: It was just an independent guy. His name is Jepson, Josh.
Speaker 5: Now, yeah, I want to know is this why did
Speaker 5: you hire him? How did you know you needed a
Speaker 5: roof deck?
Speaker 19: It's something that I've been trying to put together to
Speaker 19: try Why how do you know that.
Speaker 5: Not every people don't even know they have a roof deck,
Speaker 5: let alone, they need a new one and they can't.
Speaker 6: So how did you know you needed a new one?
Speaker 19: There is none? He was supposed to put it on.
Speaker 5: Wait wait, I just need to are you talking about
Speaker 5: a deck or a roof deck?
Speaker 19: A roof that is supposed to go on a deck?
Speaker 1: Oh?
Speaker 5: I'm sorry, dear, gotcha? Are roof over a deck? Gotcha? Okay?
Speaker 5: So what happened?
Speaker 1: Then?
Speaker 19: I purchased the materials for him to do that, and
Speaker 19: he was supposed to bring the materials to my house.
Speaker 5: Oh when you say you purchased the materials, you gave
Speaker 5: him the money?
Speaker 19: Yes, to do it.
Speaker 5: How much did you pay him from the materials?
Speaker 19: It was two thousand dollars.
Speaker 5: And what kind of material was it? What was he
Speaker 5: going to put on there?
Speaker 19: He was going to put a steel roof on there.
Speaker 11: With what size is it to me, it's a.
Speaker 19: Twenty He said that it was twenty feet.
Speaker 6: Twenty by twelve or something.
Speaker 19: Yeah, twenty by twelve.
Speaker 6: Now, Henry, what does that sound like to you?
Speaker 5: He was probably gonna get that, you know, the It
Speaker 5: sounds to me like you probably went to one of
Speaker 5: these building supplier places.
Speaker 6: And how much it does two grand?
Speaker 1: Sound?
Speaker 6: Yeah, it's twenty by twelve.
Speaker 12: So I just I wanted to clarify this is not
Speaker 12: an insurance deal, right, and this is this is the
Speaker 12: roof covering your deck. This isn't the roof deck?
Speaker 6: He right, No, it's not. But is it an insurance
Speaker 6: job though?
Speaker 5: Or is it is it an insurance job?
Speaker 6: Or is it just something you wanted to do?
Speaker 19: It's just what I wanted to do. There is no insurance.
Speaker 6: Have you ever heard this guy again?
Speaker 1: No?
Speaker 19: I haven't heard from him in three or four days.
Speaker 5: Okay, okay, hold on, So you just paid him three
Speaker 5: or four days ago?
Speaker 15: No.
Speaker 19: I paid him for the material on July like thirtieth,
Speaker 19: and then he said that the material had to get
Speaker 19: shipped to the home depot that he purchased it at,
Speaker 19: and then he was going to deliver it to my
Speaker 19: house and start the work when he was there with
Speaker 19: the material.
Speaker 5: So was that?
Speaker 6: Okay? So how many? So what did you hear from
Speaker 6: him a few days.
Speaker 19: Ago that he was going to come by to the
Speaker 19: house and he did. He showed up on August seventh
Speaker 19: to do some repair work to part of the deck
Speaker 19: that he completed, and then after that he left. Then
Speaker 19: I haven't heard from him since.
Speaker 5: So the deck he completed or did some work on,
Speaker 5: was that the one he was covering?
Speaker 6: Is that the one he's going to cover with a roof?
Speaker 3: Yes?
Speaker 19: It is. We needed to do some structural repair to
Speaker 19: the railings in there.
Speaker 5: And did he fix it?
Speaker 6: Did he fix that part?
Speaker 3: Yes?
Speaker 19: He was able to fix that part.
Speaker 5: Okay, So what makes you think he won't be back?
Speaker 19: Because I've tried calling him, and then my neighbor, who
Speaker 19: has also had some work done by him, has tried
Speaker 19: calling him, and.
Speaker 6: We're going to call him for you. Is Chopper still there,
Speaker 6: I'm here, I could use the case.
Speaker 5: Yeah, let's do that. I'm going to give this to
Speaker 5: Deputy Chopper. He's going to call this guy and find
Speaker 5: out what the hell's going on. Did you talk to
Speaker 5: him since he fixed the deck Aspen?
Speaker 3: Oh?
Speaker 19: No, I haven't all right.
Speaker 6: Let's take this case for you.
Speaker 5: Hold on, okay, dear, hold on three all three seven
Speaker 5: one three talks seven one three, eight two five five.
Speaker 5: Now let's talk to excel now speaking of roof decking,
Speaker 5: although this wasn't roof decking, but I wanted to ask
Speaker 5: you something on roof decking. If the addict is not
Speaker 5: properly ventilated, will that cause premature where to the decking itself?
Speaker 12: So probably not to the decking itself, but we do
Speaker 12: get heat blisters on asphalt shingles.
Speaker 5: So it comes through the plywood.
Speaker 12: It's like we would go through the plywood onto that
Speaker 12: backing of the shingles.
Speaker 6: And then what happens after heat blistering, It looks.
Speaker 12: Like hail damage. It can often be very close to
Speaker 12: hail damage the way it looks, especially when it loses
Speaker 12: a lot more granules.
Speaker 6: And can it then lead to leaking.
Speaker 12: I mean further down the road, But it's for sure
Speaker 12: hail damage. And you know what XL. We like to
Speaker 12: do a lot of restoration work. Yeah, but when we
Speaker 12: go around, we'll check ventilation, we'll check for heat blisters,
Speaker 12: we will check tiles. Like when I just set off
Speaker 12: your roof. I just I checked all the pop tiles,
Speaker 12: you know, going through.
Speaker 6: We had quite a few broken ones, right yeah.
Speaker 12: And we just pulled them out and fixed them. So
Speaker 12: that's one thing that we we really do differently than
Speaker 12: a lot of these companies. They just want to get in,
Speaker 12: do a full roof, and then head out. We'll go
Speaker 12: through and do maintenance. You know, people talk about roof
Speaker 12: maintenance asphalt shingles. There's not a whole lot of maintenance
Speaker 12: you can do tile roofs. There's a lot check them
Speaker 12: in all the flashing, you know, making sure everything's glued
Speaker 12: down correctly.
Speaker 5: And a lot of people have damage to tile roofs
Speaker 5: if they've had solar people up there, or if they've
Speaker 5: had other people up there putting antennas or wiring or broadband.
Speaker 5: They they can crack the corners of that tile pretty easily,
Speaker 5: right yeah.
Speaker 12: So that's called tile pop. And you know, concrete, it's
Speaker 12: just what it does. You know, it cracks, and when
Speaker 12: you have a lot of people walking up on a
Speaker 12: roof like that, it will lead to pops in different
Speaker 12: cracks and that's why that maintenance is necessary. But don't
Speaker 12: be alarmed if you install a new concrete roof and
Speaker 12: see a couple pops off of it. It's pretty normal.
Speaker 12: Just have someone go up there. There's a special glue
Speaker 12: called NP one. It's by this company called Master Seal.
Speaker 5: Yeah.
Speaker 12: I mean it is easier to break the actual tile
Speaker 12: than to get that NP one.
Speaker 6: It works that well.
Speaker 12: It is that Yeah. And when I was telling you,
Speaker 12: I was going up there trying to lift some of
Speaker 12: those tiles up to an installed events and it would
Speaker 12: break the tile before it would break that MP one seal.
Speaker 12: So I'm MP one.
Speaker 6: Okay.
Speaker 5: We have more coming up on the Troubleshooter Show. Go
Speaker 5: with a sure Thing Denver's Best roof of Excel Roofing
Speaker 5: dot com.
Speaker 10: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage? Dozens of
Speaker 5: insurance companies find out now three all three seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the Real estate Man dot com
Speaker 5: to list your home with Remax Alliance three all three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino, you're
Speaker 5: troubleshooter three O three seven one three talks seven one
Speaker 5: three eight two five five Tony, what's going on?
Speaker 1: Man?
Speaker 15: Oh, I'm you guy, getting ruling back some love. And
Speaker 15: I haven't seen my mom a while, so I started
Speaker 15: visiday and U very respressed.
Speaker 5: Yeah, hold on, Tony, Tony, I'm not understanding you completely.
Speaker 5: Just let's slow it down a little. I'm not understanding.
Speaker 5: So you have an issue with your mother?
Speaker 15: Yes? And her her provider.
Speaker 6: And who is her provider?
Speaker 14: They're called?
Speaker 11: Uh oh, okay.
Speaker 5: It doesn't matter. Hold on, Tony, what issue do you have?
Speaker 15: Okay?
Speaker 11: I have an issue with She's been.
Speaker 15: Off of Medicaid almost a year. He's been trying to
Speaker 15: get back on it. They said they were taking everybody off,
Speaker 15: but there weren't because I have curosis and I've been
Speaker 15: on Medicaid the whole time. I'm still on Medicaid. Okay.
Speaker 5: Now why your mom was taking off Medicaid? Tony? Your
Speaker 5: mom was taking off Medicaid last year?
Speaker 9: Yes?
Speaker 10: And who is paying?
Speaker 5: Who is paying for her care right now? Medicare okay?
Speaker 15: So medicare okay?
Speaker 6: How old is your mom?
Speaker 5: How old is your mom? Did you say hello, Tony?
Speaker 5: How old is your mom?
Speaker 8: There are.
Speaker 5: Is Tony having Can you just take him off the
Speaker 5: air please and see what the issue is before we
Speaker 5: bring him back. Tell him to wait a minute here.
Speaker 5: Can you tell me about Euroshield Euroshield, Henry and what
Speaker 5: you guys are doing with it at EXL.
Speaker 12: Yeah, absolutely so, as everybody pretty much knows now Colorado,
Speaker 12: we experienced a lot of hail and there's always these
Speaker 12: different shifts in the market. We went from cedar shake
Speaker 12: to now asphalt, of course, and there's always these new
Speaker 12: innovations and.
Speaker 5: They like they call them impact resistant.
Speaker 12: Absolutely. So this one that we've been looking into a
Speaker 12: lot and we're doing some installs is this stuff called
Speaker 12: a euroshield, And so it's a really cool material. It's
Speaker 12: really rubberized, so it's more rubbery than like an F
Speaker 12: wave and it's made of seventy percent recycled rubber, so
Speaker 12: it's very eco friendly.
Speaker 5: Is it really more Is it more impact resistant let's
Speaker 5: say the F wave?
Speaker 12: Absolutely, I really believe so. I think the chances of
Speaker 12: a hailstone coming through your roof would be so slim
Speaker 12: that the decking would break before this rubber would break.
Speaker 5: Well, okay, what about so you're saying it doesn't even
Speaker 5: bruise or looked at it.
Speaker 12: No, it's it's rubber, it's like a car tire.
Speaker 5: Okay, so okay, then this is incredible. Then you should
Speaker 5: get major discounts then on insurance for that, you know.
Speaker 12: But that's the thing. The euroshield is going to be
Speaker 12: much more expensive than an asphalt roof. So as a homeowner,
Speaker 12: if you want to upgrade to a guaranteed fifty year shingle,
Speaker 12: you're gonna have to come out of pocket. The insurance
Speaker 12: is not going to bump you up.
Speaker 5: Now, No, no, I know that they won't bump it up.
Speaker 5: But will they give you a discount for having it?
Speaker 12: So that's the tough part, right Because the asphalt shingles
Speaker 12: are graded one through four, So a class four asphalt
Speaker 12: shingle is the highest grade they give right now. So
Speaker 12: there's no class five, right, So there's nothing above that
Speaker 12: class four. There should be.
Speaker 6: There should be because this would be in it.
Speaker 12: The euroshield would be the class five. But there's nothing
Speaker 12: that class.
Speaker 5: So you get the same discount as you would for
Speaker 5: F wave.
Speaker 12: Unfortunately, yes, but with an F wave or I guess
Speaker 12: F wave is a little bit of a different story.
Speaker 12: If it was an asphalt roof, that would be a
Speaker 12: better comparison, because an asphalt roof you'll probably get in
Speaker 12: Colorado ten, fifteen, twenty years maybe out of that roof,
Speaker 12: whereas a Euroshield roof, I mean, you're guaranteed to fifty
Speaker 12: years and then pass that.
Speaker 6: I mean, so what you're saying is it's a lifetime roof.
Speaker 12: It really should be. But there's some drawbacks to it,
Speaker 12: right because it needs snow retention. So that's another big
Speaker 12: expense that you wouldn't have with asphalt.
Speaker 5: You need to put clips on them.
Speaker 12: Absolutely, that stuff is really slippery.
Speaker 5: And if you don't do snow retention, what happens? It
Speaker 5: builds up in the avalanche?
Speaker 12: No, I mean, it won't build up very much. It's
Speaker 12: just gonna let loose. As soon as there's enough weight
Speaker 12: up there, it's just gonna go.
Speaker 5: Well, what's wrong with that?
Speaker 1: Though?
Speaker 5: With shedding snow?
Speaker 6: What's wrong with that?
Speaker 12: You know, there's nothing inherently wrong with it except for
Speaker 12: the danger that you know it poses people walk in get.
Speaker 6: Okay, So, but you guys love Euroshield you.
Speaker 12: Know, I wouldn't say that we love it. We're really
Speaker 12: getting familiar with it and we see a lot of
Speaker 12: potential with it and the testing that it's gone through,
Speaker 12: it just it seems like it's a great solution.
Speaker 6: Let's put it this way.
Speaker 5: With the way hail and insurance is going, I can
Speaker 5: see where you buy this stuff and then exclude hail
Speaker 5: coverage or get such a high deductible that you'll save
Speaker 5: a ton of money for sure.
Speaker 12: And you know, the big thing with us is we
Speaker 12: we service our customers. You know, we maintenance the roof.
Speaker 12: We take care of people. So if we were to
Speaker 12: install one of these things, yeah, we just come out
Speaker 12: routinely double check things, you know, make sure hey, this
Speaker 12: roof is it's it's this is surviving. Yeah, you just
Speaker 12: make sure flashings are all connected.
Speaker 5: Now I know marcz f wave, he loves it. Well,
Speaker 5: we're gonna talk about more about this impact. This might
Speaker 5: be the wave of the future. No pun intended. When
Speaker 5: we're talking about Euroshield. We got that to talk about
Speaker 5: and more coming up. Go with a sure thing Denver's
Speaker 5: Best Roofer Excel roofing dot com.
Speaker 10: You don't pay a cent until you're content.
Speaker 5: Please time for an insurance check up, free no obligation
Speaker 5: comparison call Compass Insurance paying too much your coverage at
Speaker 5: dozens of insurance companies. Find out now three oh three
Speaker 5: seven seven one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance. Three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 1: Yeah, ripped of.
Speaker 2: News you need advis you.
Speaker 5: Don't have.
Speaker 3: Come run instance as we can show.
Speaker 2: Shooter's gonna help.
Speaker 3: Come man, This is.
Speaker 4: The Troubleshooter Show. No Tom Martinez, Hi.
Speaker 5: Tom Martino here, Welcome to the show. Three oh three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: I'm sorry I haven't gotten to a lot of your texts.
Speaker 5: I have been reading them all and I will get
Speaker 5: to them.
Speaker 6: I had a ton of them.
Speaker 5: This hour brought to you by cellroofing dot com. Let's
Speaker 5: talk the greatest and the coolest products and the best
Speaker 5: way of doing business. No money upfront, ever, you don't
Speaker 5: pay a cent to your content. Diane has a question
Speaker 5: about moving companies. I think is important, but so Diane.
Speaker 1: Hang on?
Speaker 5: Please? Anonymous is next? I hate using anonymous? Can I
Speaker 5: use another kind of name? Here?
Speaker 9: Complain?
Speaker 6: Hello? What's going on?
Speaker 3: Hello?
Speaker 15: Hi?
Speaker 5: Can I Can I call you something? Let me call
Speaker 5: you Jim, at least go ahead, Jim, what's going on?
Speaker 8: Oh yeah, I'm calling for my friend.
Speaker 17: It's within the Vietnamese community. So this this lady, he
Speaker 17: was like a loan shark.
Speaker 8: Yeah.
Speaker 17: Basically a lot of people gave her a lot of
Speaker 17: money and one day.
Speaker 5: And were they all were they all Vietnamese immigrants?
Speaker 17: Yes, they were Americans and they just kind of, you know,
Speaker 17: they trusted her. She had a business that actually sent
Speaker 17: money back to Vietnam.
Speaker 5: Or so American, American, Japanese excuse me, American Vietnamese paid
Speaker 5: this woman a lot of money. Yes, and and and
Speaker 5: this woman you think is crooked.
Speaker 17: Yeah, she actually ended up disappearing.
Speaker 5: And what did they pay her money for?
Speaker 17: Uh, basically to you know, loan other people money as well, you.
Speaker 5: Know, Okay, were they supposed to make a return on
Speaker 5: their investment?
Speaker 3: Yes?
Speaker 9: Correct?
Speaker 6: Oh I get it.
Speaker 5: So a lot of American Vietnamese invested with someone who
Speaker 5: was supposed to use the money and and make loans.
Speaker 3: Correct.
Speaker 17: She was like, yeah, a loan you're pretty much like
Speaker 17: a bank.
Speaker 6: But you're calling her a loan shark.
Speaker 17: Yeah, because you know, you know, I don't think it's
Speaker 17: it's legal what she was doing.
Speaker 5: Okay, Now, do you know anyone Do you know anyone
Speaker 5: that got loans from this lady?
Speaker 17: I don't. I'm just translating it, but I don't know who.
Speaker 17: I don't know anybody specifically who got loans from the lady.
Speaker 17: But I know, well, actually I do. My That's why
Speaker 17: I'm calling for my friend. She got a loan from
Speaker 17: the lady, but she actually gave her own money, you know, yeah,
Speaker 17: to give for this lady for I mean, she's worked off.
Speaker 5: Okay, so the friend that you have, how much did
Speaker 5: your friend invest?
Speaker 17: One hundred and thirty thousand is what she told me.
Speaker 5: So do you have a friend that invests that invested
Speaker 5: one hundred and thirty thousand?
Speaker 8: Correct?
Speaker 5: And what did she get back?
Speaker 3: Nothing?
Speaker 17: She she was supposed to get something back, like the
Speaker 17: end a couple of months ago. She was supposed to
Speaker 17: get something back, but the lady pretty much packed up
Speaker 17: and disappeared. We don't know where she's at. You have
Speaker 17: a business, she had a business here off of federal uh,
Speaker 17: you know, to wire money back to Vietnam for instance.
Speaker 5: Now, was she was the woman who was doing this
Speaker 5: if it's a scam, this so called con woman. Was
Speaker 5: she a US citizen, do you know?
Speaker 17: Yes, yes, yes, she had been here for you know.
Speaker 5: Was she a Vietnamese? Was she the American Vietnamese?
Speaker 3: Yes?
Speaker 6: And she was taking advantage.
Speaker 5: Of her she was she was basically conning her own community.
Speaker 17: Yes, correct, this whole community. I've heard rumors that she'd
Speaker 17: probably have I'm boards of like ten million dollars. I'm
Speaker 17: not even sure if that's at the room.
Speaker 5: Obviously, God, how long has she been operating?
Speaker 17: Twenty years? Twenty plus years, I would say.
Speaker 6: Doing the same thing.
Speaker 17: Oh well, if she had the business of wiring money
Speaker 17: back to Vietnam, how was her business?
Speaker 3: Now?
Speaker 5: What I want to know is how long did your
Speaker 5: friend have this money invested? How many years ago?
Speaker 17: Probably about ten years?
Speaker 5: She says she invested one hundred and thirty ten years ago.
Speaker 17: Within ten within the ten years. She would just get
Speaker 17: her you know, if she would work and save, work
Speaker 17: and save, give this lady.
Speaker 5: Oh okay, why did she keep doing it? What was
Speaker 5: she hoping to have some kind of retirement account? Probably?
Speaker 17: Yeah, just you know, instead of like it in the bank,
Speaker 17: she would trust this later.
Speaker 5: Now, do you know other Vietnamese people, other American Vietnamese
Speaker 5: who lost similar amounts of money?
Speaker 17: I do not know them personally. I just heard rumors that,
Speaker 17: you know, even a couple might have lost like four
Speaker 17: hundred thousand in their retirement.
Speaker 3: You know.
Speaker 6: Oh that is sad.
Speaker 17: Let me let me ask you something specifically.
Speaker 6: Let me ask you something.
Speaker 5: Do you think did any of them contact the FBI?
Speaker 12: I don't know.
Speaker 5: Well, we need to make a case here. We need
Speaker 5: to open some kind of a case. It may or
Speaker 5: may not help, but at least we can get started there. Now,
Speaker 5: if you could be my contact, I'd love it. I
Speaker 5: will not divulge your your identity, but I would like
Speaker 5: to have at least your name behind the scenes so
Speaker 5: I can call you.
Speaker 6: Is that okay?
Speaker 3: Sure?
Speaker 6: And really what I'd like.
Speaker 5: To do is I'd like to start by getting your
Speaker 5: friend to.
Speaker 6: Report to the FBI.
Speaker 5: Okay, because truly, this is what this is the kind
Speaker 5: of thing the FBI will look at, especially it's It's truly.
Speaker 6: One of the things they really concentrate on.
Speaker 5: And I'm not telling you they're going to automatically find
Speaker 5: this woman. But does anyone have a clue where this
Speaker 5: woman went.
Speaker 12: I don't think so.
Speaker 6: Ah, okay, I.
Speaker 17: Mean just gone back to Vietnam, is my assumption.
Speaker 5: Just you know, do you think she amassed a big
Speaker 5: amount of money?
Speaker 9: I think she did.
Speaker 17: I don't know. I don't know if the rumor is true.
Speaker 17: You know, people talk, but I don't. I don't really. Yeah,
Speaker 17: from a relative of mine who.
Speaker 9: Kind of knew her.
Speaker 5: Do you speak Vietnam? Do you speak Vietnamese?
Speaker 9: Yeah?
Speaker 8: I do.
Speaker 17: I mean it's not advance or anything enough to dis communicate,
Speaker 17: are you okay?
Speaker 5: Is is your friend able to find other victims?
Speaker 17: I don't think so. I asked her that, and she
Speaker 17: doesn't know of anybody that this is, this has happened to.
Speaker 5: Do you have a name for the con Do you
Speaker 5: have a name for the woman that was collecting money?
Speaker 8: Yeah?
Speaker 17: She owned the business.
Speaker 5: And what was the name of her business?
Speaker 17: Uh?
Speaker 3: I have the card?
Speaker 1: Tom?
Speaker 5: I have the card?
Speaker 14: Tom?
Speaker 9: Yeah? You have you have the card?
Speaker 8: Kelly?
Speaker 6: Kelly.
Speaker 5: What is the name of the woman.
Speaker 1: Uh?
Speaker 18: Okay, I'm going to do my best here without murdering.
Speaker 6: Just spell it, just spell it the first name.
Speaker 5: Do you see h O A N G. Kushong. Sure
Speaker 5: we'll go with that.
Speaker 9: You see h.
Speaker 17: The last name is h O A G.
Speaker 6: Cook Wong yep Cook and and the last name is
Speaker 6: spelled oh.
Speaker 5: Last name is h got it got it couch Hong okay.
Speaker 6: And what was the name of her business?
Speaker 8: Uh?
Speaker 5: That was it?
Speaker 17: I mean it's basically okay, I believe.
Speaker 6: It's Couch Hong.
Speaker 17: Okay.
Speaker 5: Listen, Kelly, did you try the number on that card?
Speaker 17: It's a it's a money Graham B I N a
Speaker 17: money gram business. So it's kind of like Western Union.
Speaker 5: Geez hey, Kelly, is there a number on there? Did
Speaker 5: you try the number on the card?
Speaker 3: I did?
Speaker 5: It doesn't ring to anything, It just continuously rings.
Speaker 7: Doesn't even have an answering machine.
Speaker 6: And is it bill?
Speaker 5: Is it listed as a cell phone or as a
Speaker 5: business phone? There are actually two numbers and they one
Speaker 5: has been disconnected and the other one just rings endlessly.
Speaker 17: Oh man, it's like a cash checking business, also like
Speaker 17: a money gram. Does it like Western what?
Speaker 5: But does it have an actual name the business?
Speaker 17: Yeah, it's pretty much her name, which is Kwang And
Speaker 17: then it says underneath the I N A money Graham
Speaker 17: that's the name of the building.
Speaker 5: Did you say V I N A as in Victor
Speaker 5: v I n A.
Speaker 20: Yeah, yeah, Victor v I n A Vina Okay, and
Speaker 20: it and it's actually called Vina money Graham.
Speaker 5: Correct, Okay, you.
Speaker 17: Know be incorporated and Verna nut check. I'm thinking that's
Speaker 17: the casting your your you know your?
Speaker 5: Is it being a check incorporated or just Vina check.
Speaker 11: Via check?
Speaker 6: But okay, listen.
Speaker 17: And viena check.
Speaker 6: Got it, Kitchina.
Speaker 5: What I want to do is I want to help
Speaker 5: I want to try to find some people who might
Speaker 5: know about this.
Speaker 6: So let's do this. Let's get use.
Speaker 5: I'm going to be the contact here, get as much
Speaker 5: as we can here on contacting mister anonymous here, and
Speaker 5: then send me that card if you can take a
Speaker 5: pic of it and send that to me. Okay, do
Speaker 5: we have any pictures of this woman? I don't know,
Speaker 5: could you and and do you think.
Speaker 17: No, we don't have pictures of her, but she's a
Speaker 17: pretty well known in the community apparently.
Speaker 6: Do you think she's on do you think she's on Facebook?
Speaker 9: Probably?
Speaker 6: If you could.
Speaker 5: Help me, I'm trying to I'd like to try to
Speaker 5: find a picture of her and then I'm going to
Speaker 5: get a hold of the f I bet you if.
Speaker 17: You type in her name or her picture probably would
Speaker 17: come up.
Speaker 5: Hey, Kitchina, could you try doing a search store in
Speaker 5: the break? Okay, hang on and I'm gonna I'm gonna
Speaker 5: be back in touch with you. Three oh three seven
Speaker 5: one three talks seven one three eight two five five
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one. Help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 6: Hi Tom Martino here, Diane. What's going on?
Speaker 5: You have a question about moving companies? I hope you
Speaker 5: didn't already get ripped off, because it's a big area
Speaker 5: of ripoff.
Speaker 21: I know, and I didn't do anything yet.
Speaker 6: Oh thank goodness.
Speaker 21: I just want to tell you a little bit of
Speaker 21: my situation. I'm seventy one years old, I'm legally blind.
Speaker 21: I walk with a cane, and I know I use
Speaker 21: a cane. And I have a one bedroom apartment and
Speaker 21: I love it. It's small, and my carpet's going to
Speaker 21: be replaced next week. I don't have anybody. I have
Speaker 21: to move this furniture out to a vacant apartment, like
Speaker 21: on Monday, and then they put the carpet in Tuesday,
Speaker 21: and I have to move the furniture back in. I mean,
Speaker 21: it wouldn't even take an hour. You know, I'm getting
Speaker 21: quotes of like one thousand dollars to do this.
Speaker 5: Okay, Now, do you have the blank apartment already set up?
Speaker 20: Yes?
Speaker 21: The management does. Yes, it's just putting it in there overnight.
Speaker 21: It's not setting it up in there, just throwing it
Speaker 21: in there overnight. And then they come back and I
Speaker 21: just the only thing they would have to is hook
Speaker 21: my bed up death.
Speaker 5: What what are the bids you're getting? What are the bids?
Speaker 5: You're getting.
Speaker 21: Five hundred and fifty a day for one So for
Speaker 21: one person? For two well, I think it's going to
Speaker 21: be two people because they have to move a bed.
Speaker 5: Wait and mat, So is it five point fifty for
Speaker 5: the day for two people?
Speaker 9: Yes?
Speaker 6: Yes, So both days will cost you about eleven yes, okay.
Speaker 5: And you have a one bedroom apartment. Do you have
Speaker 5: a lot of big, heavy stuff? No?
Speaker 21: I have a bed, a couch, a death and everything.
Speaker 21: I would pack everything out of it. I mean they
Speaker 21: would just have to lift it and push it there.
Speaker 5: You know, do you own do you own this place?
Speaker 20: Well?
Speaker 21: No, no, I'm rented.
Speaker 6: And who's replacing the carpet?
Speaker 13: The management?
Speaker 5: Okay? And is this mandatory or did they did they
Speaker 5: say you know whether you like it or not?
Speaker 6: Or did you request this and they're doing you a solid?
Speaker 1: Well?
Speaker 14: Both?
Speaker 8: Really?
Speaker 5: Okay?
Speaker 6: Got it? Okay, I have an idea.
Speaker 5: Okay, if if I was doing this, I would not
Speaker 5: use a moving company at this point.
Speaker 6: It's because it's ridiculous.
Speaker 5: Well, it's ridiculous. All you're doing is moving out and
Speaker 5: moving back in. You're and the is the other apartment
Speaker 5: right next to yours?
Speaker 21: I'm not sure I know if I'm the same floor,
Speaker 21: so I'm not okay, right.
Speaker 13: All right now, it's ye.
Speaker 6: Are the halls pretty narrow?
Speaker 21: No, they're very wide.
Speaker 13: It's a new building. We've only been.
Speaker 14: Built eight years ago. They're very well.
Speaker 5: I want I want all my pains in the ass
Speaker 5: who listen to me to plug their ears. I would
Speaker 5: call my but if you don't speak Spanish, just gonna
Speaker 5: be hell. I would call my Venezuelan buddies. No, I'm not.
Speaker 5: I am so serious. I'm as serious as a heart attack.
Speaker 5: I would call my Venezuelan buddies and have them do it.
Speaker 5: And I look at I I use Google Translate. I'm
Speaker 5: not suggesting. And people might think, oh, Tom, this is dangerous.
Speaker 5: They've heard about the Venezuelan gangs.
Speaker 6: And all of this. I'm talking about people I've.
Speaker 5: Known since they got here, and I've been helping them out,
Speaker 5: and they're always looking for odd jobs and they're hard working.
Speaker 6: And however, take line one.
Speaker 5: Okay, take line one, Brian, Go ahead, Brian, Hi, Tom, Hey,
Speaker 5: what's going on.
Speaker 11: Hey, I've called the show a few times before.
Speaker 22: I am a handyman and I just my schedule is
Speaker 22: pretty open. If you can find the call or to
Speaker 22: call in and help me, I'll move a furniture and
Speaker 22: went back for free.
Speaker 5: Well we're not asking you to do it for free,
Speaker 5: but that's wonderful.
Speaker 6: I mean, now, Brian, are you.
Speaker 5: The Brian that I know.
Speaker 21: Called a few times.
Speaker 5: Okay, you're not the Brian. I I was thinking of
Speaker 5: another Brian. But that's great. You're You're I recognize you, Brian.
Speaker 5: I'm sure she'll pay one hundred and two hundred bucks.
Speaker 5: I mean, she just doesn't want to pay a thousand.
Speaker 6: I mean we need to be realistic here.
Speaker 9: Well, if it's only you take an hour to move
Speaker 9: it and then come.
Speaker 11: Back the next day and move it back. You know,
Speaker 11: I can help her. If she wants give me a
Speaker 11: few bucks, that's fine, but I need what you need.
Speaker 5: If you don't, you don't have a friend that would
Speaker 5: do it too, I'll.
Speaker 21: Tell you what.
Speaker 11: Let me make a few calls and i'll call the
Speaker 11: show back.
Speaker 5: But let me just be fair here and hold on
Speaker 5: a second. Even though Diane, would you be willing to pay,
Speaker 5: let's say each person like, no, I'm serious now, each
Speaker 5: person one hundred dollars a day, so that would be
Speaker 5: a total of four hundred Yes, you and Brian. The
Speaker 5: only reason I say that is truly, I mean, let
Speaker 5: you know, let's really get her some help and maybe
Speaker 5: your friend will come over and for a couple hundred
Speaker 5: bucks for a couple hours of work.
Speaker 21: Even an hour, it won't take you an hour.
Speaker 6: Okay.
Speaker 5: If it won't take him an hour, then then I
Speaker 5: don't care if you pay one hundred and fifty each.
Speaker 5: I don't know, but I'm saying, Brian, don't tell your friend.
Speaker 5: It's free.
Speaker 6: I want somebody who's going to show up and help you.
Speaker 5: Brian. Okay, where you located, Diane, without giving your exact address?
Speaker 6: Like what area angle Wood?
Speaker 21: Near a Swedish hospital?
Speaker 9: Oh yeah, I know work where that is?
Speaker 14: Okay, yeah, I'll get a buddy.
Speaker 9: We'll do it for one hundred bucks each.
Speaker 6: Brian, you're a wonderful guy. Listen, here's I want to do, Kashena.
Speaker 6: Let's get this.
Speaker 5: Uh and then just to a quick just pull a
Speaker 5: quick background for Brian. Please, Brian, I'm sorry, Please, I
Speaker 5: gotta be safe. Just please, thank you. Absolutely, sus will
Speaker 5: pull a quick background, Diane.
Speaker 6: So we'll pull a background check.
Speaker 14: Okay, oh, thank you God.
Speaker 5: I just want to.
Speaker 6: Make sure he's not an AX murderer.
Speaker 5: And but hold on, Kashina, let's make this connection. That's
Speaker 5: what the Troubleshooter show is all about. Hang on, I'm
Speaker 5: Tom Martine Moore coming up. Go with a sure thing.
Speaker 5: Denver's best roofer Excel roofing dot com. You don't pay
Speaker 5: a cent until you're content. Time for an insurance checkup free,
Speaker 5: no obligation. In comparison, call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three all three seven to seven to one. Help. You'll
Speaker 5: think you're his only customer when you choose Frank durand
Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three all three nine two zero sixteen
Speaker 5: twenty two. Hi Tom Martinez here, So the background check
Speaker 5: on Brian came back. Great. He will be helping that
Speaker 5: woman out. We love, love, love doing this.
Speaker 6: This is what the show is all about.
Speaker 5: Connections. And thank you Brian. And now let's talk to Jules,
Speaker 5: who has a question about guardianship jewels.
Speaker 8: Go ahead, Hi Tom, how are you have you got
Speaker 8: a minute to talk to me? Please?
Speaker 5: Yes, go ahead, Jules?
Speaker 8: Will you please to take down this number of a person?
Speaker 5: No, wait, don't give me a phone number. I'll take
Speaker 5: it off the air. What do you want me to
Speaker 5: do with the phone number.
Speaker 8: Jewles, Well, this person in Idaho is in my family,
Speaker 8: and this person has been trying to put me under
Speaker 8: a guardian, guardian, guardy and chip that I don't want.
Speaker 5: Okay, Jules, let me ask you a couple of questions.
Speaker 5: Is this a relative of yours?
Speaker 8: Yes?
Speaker 6: What kind of relative? A brother, sister and uncle?
Speaker 8: What a sister of mine?
Speaker 5: Okay? So your sister is trying to get you into
Speaker 5: a what assisted living home?
Speaker 8: No? A guardianship that I don't want.
Speaker 5: She's trying to be your guardian.
Speaker 8: Well, I don't want that.
Speaker 5: No, No, I'm just asking. Is that what she's trying
Speaker 5: to do?
Speaker 8: Well, I'm not her, but I don't want that.
Speaker 5: No, I get it. Jewels, let me ask you something, Jeules,
Speaker 5: Have you ever had a guardian?
Speaker 4: No?
Speaker 6: Okay?
Speaker 5: How old are you? Jewles? Sixty nine September sixty nine?
Speaker 8: I have a guardian angel?
Speaker 5: Huh, I got it. Now, you're sixty nine years old.
Speaker 5: And what have you have you worked for a living
Speaker 5: these past several years?
Speaker 8: Yes? I have all my life?
Speaker 5: What did you do for a career?
Speaker 8: I was on the farm for almost forty years and
Speaker 8: then I moved into town. I was pizza. I had
Speaker 8: campal jobs in college.
Speaker 5: So, Jewles, what do you do now? Are in your
Speaker 5: social security?
Speaker 8: Well? How was recycling every day at that house and
Speaker 8: doing all my chores.
Speaker 5: No, no, but how do you support yourself? Now, Jewles, I.
Speaker 8: Have one check I get ninety dollars at the end
Speaker 8: of the month, and the next two or three days
Speaker 8: to get eight hundred and seventy dollars.
Speaker 5: And where, okay, where do you get that from Social Security?
Speaker 8: I have one that says to SID and the other
Speaker 8: one is a disability. But I don't know how.
Speaker 5: I'm okay, no, no, that's okay, Jewels. Now listen, So
Speaker 5: you get enough money to live on.
Speaker 8: I'm going into my hometown to buy my own apartment.
Speaker 5: Now, I guess, well, do you have money saved up?
Speaker 8: A tiny bit? On Thursday?
Speaker 5: Are you? Let me ask you this, Jules, just a
Speaker 5: few questions. Are you homeless?
Speaker 8: Almost?
Speaker 5: Well? Have you ever thought maybe your sister wants to
Speaker 5: help you?
Speaker 8: No?
Speaker 5: I know, otherwise, what do you think she wants to do?
Speaker 8: Well, Brenda got me out of that house and now
Speaker 8: she has a house on the market. And I was
Speaker 8: with that house.
Speaker 5: Wait what what house? Was that a family house?
Speaker 8: Yes?
Speaker 5: Why did she want you out of it?
Speaker 8: Was she kid to get her ninety thousand dollars back?
Speaker 6: So who bought that house?
Speaker 5: Was that your mom's house?
Speaker 8: Well, Josephine had me and mom been it for a
Speaker 8: lot of years and then Eddie.
Speaker 5: I get it. Did your mom die?
Speaker 8: Yes?
Speaker 5: And now your sister, so your sister used to have
Speaker 5: your mother live there?
Speaker 8: No, that was joseph my aunt Josephine.
Speaker 5: Or your aunt Josephine. Does aunt Josephine own the house?
Speaker 8: You know? It was eighties and Louise and then Burnett
Speaker 8: bought off of that, Maggie.
Speaker 5: And is Bernadette your sister? Yes, so Bernadette bought it.
Speaker 5: And now did she evict you?
Speaker 8: Almost? Yeah? Pretty much?
Speaker 1: Does she?
Speaker 5: Did she tell you you had to leave?
Speaker 8: Yes?
Speaker 5: And what do you think she will do if she
Speaker 5: becomes your guardian?
Speaker 8: I can't have that.
Speaker 5: No, No, I'm not asking you to What would she
Speaker 5: do if she became your guardian?
Speaker 8: He's been trying to put me in a host home
Speaker 8: where the quarantine me and I can't have that.
Speaker 5: You mean she's trying to put you into assisted living or.
Speaker 8: A host home and I can't have that?
Speaker 5: Well, okay? And why is that? Because you want to
Speaker 5: be on your own? Yes, okay, and you can take
Speaker 5: care of yourself apparently, do you do you.
Speaker 6: Have a doctor?
Speaker 8: Oh? Yes, I have more than one doctor.
Speaker 5: And what kind of doctors do you have?
Speaker 8: I have first responders and my medical doctors.
Speaker 5: Is there anything wrong with you? Do you have an
Speaker 5: illness or any kind of an illness?
Speaker 8: Well? I had to have any vision in my right eye.
Speaker 1: Uh huh?
Speaker 6: What else?
Speaker 8: Well? I used to have a speech impenitent. I kind
Speaker 8: of had different troubles to to us now and.
Speaker 5: Then, Okay, may I ask you something else?
Speaker 8: Jules?
Speaker 5: Do you ever see a psychiatrist or a psychologist?
Speaker 8: Well? I would like to you if it doesn't cost
Speaker 8: me anything.
Speaker 5: Okay? Are you on Are you on Medicaid and Medicare too?
Speaker 8: And insurance? Yes?
Speaker 6: Who pays for your ETNA insurance?
Speaker 8: I guess it's taking out of my paycheck?
Speaker 5: What paycheck?
Speaker 8: And so security building?
Speaker 6: Okay, okay, got it?
Speaker 5: Okay, So do you have good insurance when you have
Speaker 5: to see a doctor?
Speaker 8: I hope?
Speaker 5: So who writes out your bills and takes care of
Speaker 5: your everyday stuff?
Speaker 8: If that was Brendadette Brenda took over mom's house, No,
Speaker 8: I get.
Speaker 5: It, But that's your sister. Yes, Now, who's going to
Speaker 5: do it? Now? If you leave the house and you're
Speaker 5: on your own. Who's going to take care of all
Speaker 5: that stuff?
Speaker 8: Well, the house has been boarded up and I need
Speaker 8: a hearing to get all my possessions out of there.
Speaker 5: And well where are you living right now?
Speaker 8: Like?
Speaker 5: Where will you stay tonight? Jules?
Speaker 8: I'm in extended state in Westminster Jewels?
Speaker 5: Would you mind if we talked with your sister?
Speaker 8: I'll tell you your number after the call?
Speaker 6: Okay?
Speaker 5: Can we? I want to? I want to talk to her.
Speaker 5: But you have a place to stay tonight, is that right?
Speaker 8: Yes?
Speaker 5: And you have enough money to pay for this extended stay.
Speaker 8: It's being billed to Imagine to who imagine im fiet?
Speaker 5: Okay?
Speaker 8: Is that?
Speaker 5: Is that an organization that helps you?
Speaker 8: Apparently?
Speaker 5: Okay, Hey, Kachina, do me a favor. Get the name
Speaker 5: and number.
Speaker 6: Of his sister off the air.
Speaker 5: I'll take this one too, and let's get her on
Speaker 5: and talk to her. Okay, Jules hang on? Okay? Three
Speaker 5: oh three seven one three talk three O three seven
Speaker 5: one three A two five five go with a sure
Speaker 5: thing Denver's Best roofer Excel roofing dot com. You don't
Speaker 5: pay a cent until your ten time for an insurance check.
Speaker 5: Up free no obligation. In comparison, call Compass insurance paying
Speaker 5: too much your coverage at dozens of insurance companies find
Speaker 5: out now three all three seven to seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three all three nine two zero
Speaker 5: sixteen twenty two. I'm Tom Martino and Henry Oh. Before
Speaker 5: we run out of time and I'll get to mark,
Speaker 5: what do you want to talk about? What do you
Speaker 5: want to promote more than anything, the roofing, the impact
Speaker 5: resistant or what No.
Speaker 12: I think it's just really important to touch on making
Speaker 12: sure home owners know to file their claims.
Speaker 5: Because after a year, you don't get coverage.
Speaker 12: You don't you know, it's it's basically a year after
Speaker 12: the date of incident from that hailstorm, and then after
Speaker 12: that you're out of luck. And so even if you
Speaker 12: haven't locked in that contractor yet, you should still file
Speaker 12: that claim. And when you're looking for a contractor check
Speaker 12: their Google reviews, do your diligence, make.
Speaker 6: Sure and use Excel seriously.
Speaker 5: Now listen, here's here's what I want to say, and
Speaker 5: this is very serious when you file the claim. If
Speaker 5: Excel can't get out there first, don't let anyone else
Speaker 5: tell you you have to sign something for them to
Speaker 5: look at your roof. There is no requirement ever, there's
Speaker 5: no insurance requirement nothing. You never have to sign anything
Speaker 5: to get a free estimate or a contract. Ever. The
Speaker 5: next thing, if you call your insurance if you're pretty
Speaker 5: sure you have damage, call them and have an adjuster
Speaker 5: command I at least get started. But you don't have
Speaker 5: to let the roofer look at what the adjuster recommended.
Speaker 8: You.
Speaker 5: Let the roofer put their expertise to work.
Speaker 6: And you really don't. You don't want to roof for
Speaker 6: carts there.
Speaker 12: You want to have someone go out and do an
Speaker 12: inspection first. And I can you can't, yes for sure.
Speaker 12: So if you aren't sure, if you have damage, call
Speaker 12: us first. We'll come out and do an inspection.
Speaker 5: Do you promise to get out there within the next
Speaker 5: few days though?
Speaker 12: Absolutely okay. For these recent storms. You gotta file this
Speaker 12: stuff quick or they'll just they won't cover it.
Speaker 5: Okay, So you'll go out and inspect within a few days.
Speaker 5: Absolutely okay, So get a roofer and make them put
Speaker 5: their money where their mouth is. Don't ever use the
Speaker 5: roofer who says what we'll do whatever the insurance company wants.
Speaker 5: That's the last roofer in the world that you want.
Speaker 5: And before you go, Henry, I'll give out this number.
Speaker 5: But people, you're not gonna believe what they did to
Speaker 5: my roof. I thought I had a wonderful home and
Speaker 5: I had everything buttoned down. I had virtually no attic insulation.
Speaker 5: So they put in like ten vents to solar fans.
Speaker 5: It's a large home, but man, I got to tell
Speaker 5: you something, it's gonna make a huge bit of difference,
Speaker 5: especially now with my whole house fan. My whole house
Speaker 5: fan will work ten times better. Plus they have the
Speaker 5: attic fans, right.
Speaker 12: Yeah, absolutely, those attic fans are awesome. They just they
Speaker 12: suck all that hot air out and especially with those
Speaker 12: oversized B one forty four events, that whole house fan
Speaker 12: is going to be much more of it.
Speaker 1: Now.
Speaker 5: Remember people, you may not need that many, but they'll
Speaker 5: give you a free look at that too. If you
Speaker 5: want to look at your attic ventilation, it's serious. It'll
Speaker 5: help you with heating and cooling. Now their number THREEHO
Speaker 5: three seven sixty one sixty four hundred three oh three
Speaker 5: seven six one sixty four hundred excelroofing dot com. Now
Speaker 5: during the show you heard from Jewels. We're going to
Speaker 5: have him being helped off the air. We're going to
Speaker 5: talk to his sister. He obviously had some probably mental
Speaker 5: disabilities of some kind. We also had Diane's seventy one
Speaker 5: years old legally blind needs help moving out of her
Speaker 5: apartment temporarily while they replace the carpeting. We had a
Speaker 5: listener and a friend volunteer to help her there. Then
Speaker 5: we have a Vietnamese American who has taken advantage of
Speaker 5: with a loan shark. We're working on that one. We
Speaker 5: are doing a ton, so you stick around to hear
Speaker 5: more tomorrow on the Troubleshooter Show. If you need help,
Speaker 5: call us at three oh three Martino three oh three
Speaker 5: six two seven eight four sixty six, and you can
Speaker 5: also text me directly seven four seven, nine nine nine
Speaker 5: fifty two eighty