WEBVTT

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<v Speaker 1>KFI AM six forty. You're listening to Dean Sharp The

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<v Speaker 1>House Whisper on demand on the iHeartRadio app Welcome Home.

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<v Speaker 1>I am Dean Sharp the House Whisper. I design custom homes,

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<v Speaker 1>I build custom homes, and today, most importantly, I am

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<v Speaker 1>your guide to better understand that place where you live

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<v Speaker 1>today on the show. I love these weekends. It's an

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<v Speaker 1>all calls weekend. It's the weekend before Christmas. Right, Christmas

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<v Speaker 1>is coming on Wednesday. It is December twenty second. Do

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<v Speaker 1>you know what that means? By the way, today is

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<v Speaker 1>the first full day of winter as well? Did you

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<v Speaker 1>know that?

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<v Speaker 2>Yeah?

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<v Speaker 1>The solstice last night yesterday. I think I think can

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<v Speaker 1>we get it's either the twentieth or the twenty first

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<v Speaker 1>every year. Yeah, this is not a you know, a

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<v Speaker 1>deeply researched top, big air in the studio. But the

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<v Speaker 1>point is I know this. I know it's winter. That's

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<v Speaker 1>what I know. It's the twenty second of December and

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<v Speaker 1>winter has arrived. Can you tell? Can you tell from

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<v Speaker 1>the snow outside here in southern California? No, you can't,

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<v Speaker 1>but you know we're loving it. Nonetheless, I hope you're

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<v Speaker 1>having a great weekend. When we put together an all

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<v Speaker 1>calls weekend. It's kind of a weird thing to say

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<v Speaker 1>put together, because the truth is, you're putting together this

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<v Speaker 1>weekend for us Today's show three hours nothing but your calls.

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<v Speaker 1>And you know, maybe I'm sharing a little tidbit of

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<v Speaker 1>this or that along the way, but it's all about

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<v Speaker 1>your calls. You set the agenda today. The number to

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<v Speaker 1>reach me eight three three two. Ask Dean eight three

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<v Speaker 1>three The numeral two ask Dean eight three three to

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<v Speaker 1>ask Dean. The phone lines are open now. Producer Matt

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<v Speaker 1>Toffler standing by. He is ready to take your He

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<v Speaker 1>will tell you everything you need to know, and then

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<v Speaker 1>you know what You and I we can put our

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<v Speaker 1>heads together. We can figure out whatever is going on

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<v Speaker 1>with your house design construction, DIY, whatever's got you scratching

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<v Speaker 1>your head about your house. We will figure it out together.

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<v Speaker 1>I promise you. I promise you. I will do everything

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<v Speaker 1>to help you. As we do. We take calls every week,

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<v Speaker 1>but every few weeks we just clear the decks so

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<v Speaker 1>that you have extra time to call in. So phone

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<v Speaker 1>lines are open now, eight three three two, ass Dean.

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<v Speaker 1>Let's talk to our awesome team Elmer on the board.

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<v Speaker 1>Good morning, Bud, Good morning Dean. How's it going good?

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<v Speaker 1>You know, holiday season, so fives are up? Cracks me up.

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<v Speaker 1>Elmer just cracks me up. Hey, turn your mic on.

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<v Speaker 1>I wasn't sure. I was like, holiday season. Maybe you're sad,

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<v Speaker 1>maybe you're happy. Not sure. Well, he's got that mystery voice.

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<v Speaker 1>You can't that's the thing. Elmer's got that voice. You

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<v Speaker 1>have no idea what direction he's about to turn right. Oh,

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<v Speaker 1>and you just heard her in the background there. Eileen

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<v Speaker 1>Gonzalez at the news desk. Good morning, Eileen, Good morning, Sunshine.

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<v Speaker 1>How's it going Your wife laughs, because she goes this

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<v Speaker 1>guy's not Sunshine. Diena knows. Diena knows the truth. Tell

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<v Speaker 1>him the truth. Go ahead, your Sunshine. Sometimes you are

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<v Speaker 1>I am right now. Oh yeah, thank you, thank you,

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<v Speaker 1>Thank you. Everyone calm down. Sitting across the table from me,

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<v Speaker 1>my better half. Yeah, uh wow. The elephant in the room,

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<v Speaker 1>she's not an elephant. It's just one of her favorite animals.

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<v Speaker 1>Tina is here, welcome home. Good morning, Good morning. Tina

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<v Speaker 1>and I were sitting by the fire this morning. I know,

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<v Speaker 1>I almost lost myself and didn't get up here. It

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<v Speaker 1>was a little. It was a little it was it

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<v Speaker 1>was it was a little rock Wellian, Norman rock Wellian.

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<v Speaker 1>That's a little scene by the fire this morning. It

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<v Speaker 1>was nice coffee fire, lovely. There's a dog laying around

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<v Speaker 1>somewhere in the room. Twinkling lights. We went to uh

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<v Speaker 1>Christmas light uh candy cane lane, kind of strolling last

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<v Speaker 1>night with the family. That was a good time. That

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<v Speaker 1>was a good time. It was extra festiveness. What what

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<v Speaker 1>is it. That's the second one that we've seen.

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<v Speaker 2>Christmas closer to the I mean it's closer to the

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<v Speaker 2>official holidays, I know, but I mean more houses did

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<v Speaker 2>it in.

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<v Speaker 1>Our neck of the woods. It seemed to me that

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<v Speaker 1>things are a little bit more. There's a little festive

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<v Speaker 1>boost this year. And I don't know why.

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<v Speaker 3>I like it.

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<v Speaker 1>I'll take it. I think maybe people are just feeling

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<v Speaker 1>a little bit more like they need it. Maybe I

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<v Speaker 1>don't know. I don't know, but yeah, a funny year

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<v Speaker 1>for a lot of people. Yeah, it's been a weird

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<v Speaker 1>year for us. A lot of hard things. Yeah, a

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<v Speaker 1>lot of hard things. A lot of hard things, and

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<v Speaker 1>you know, for our friends and like I say, you know,

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<v Speaker 1>at the holiday season, it's not a time to get

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<v Speaker 1>depressed because there are hard things in your life, because

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<v Speaker 1>that's what's celebrating. The holidays have, literally since the very beginning,

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<v Speaker 1>have been about It's about kind of holding out and

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<v Speaker 1>finding your way in the dark. Right, more on that later,

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<v Speaker 1>All right, we got started late, so I got to

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<v Speaker 1>get out of here for just a second. The phone

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<v Speaker 1>lines are open. We got some calls coming in, but

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<v Speaker 1>there's room for you. Eight three three two, Ask Dean.

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<v Speaker 1>It is an all calls Sunday, this Sunday morning before Christmas,

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<v Speaker 1>your Home with Dean Sharp, the house whisper.

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<v Speaker 3>You're listening to Home with Dean Sharp on demand from

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<v Speaker 3>KFI AM six forty.

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<v Speaker 1>It is an all calls weekend. It's an all calls

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<v Speaker 1>Sunday morning, Sunday before Christmas, right here in southern California.

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<v Speaker 1>Eight three three to ask Dean. Is the number to

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<v Speaker 1>reach me? A three to three the numeral two, Ask

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<v Speaker 1>Dean eight three three two, ask Dean. I don't want

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<v Speaker 1>to waste any time. Let's get right to it. Let

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<v Speaker 1>us talk to Kathy. Hey, Kathy, welcome home.

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<v Speaker 4>Hi Deane. I was wondering how you vaulted the ceilings

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<v Speaker 4>in your home. How you knew what they would look

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<v Speaker 4>like before digging into the drywall, I guess, and how

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<v Speaker 4>you insulated them?

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<v Speaker 1>Uh? Okay? Are you thinking about maybe possibly doing this

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<v Speaker 1>in your place?

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<v Speaker 4>Yes?

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<v Speaker 1>Okay? And what kind of a home do you live in.

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<v Speaker 4>I just live in a single level tracked home that's

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<v Speaker 4>twenty oh gosh, twenty five years old, and I don't

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<v Speaker 4>know if the pitch is correct for that, and I

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<v Speaker 4>wondered how you knew that. I kind of look at

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<v Speaker 4>the angles of the roof and I wonder if the

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<v Speaker 4>angles are correct. And I think it would just be

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<v Speaker 4>so lovely to have, you know, a roof a ceiling

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<v Speaker 4>that's higher, But I don't know how you did inside

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<v Speaker 4>and how you remove all of that support and then

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<v Speaker 4>create more support.

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<v Speaker 1>Gotcha? Okay? All right, So here is the thing. Every

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<v Speaker 1>home is different, every room is different when it comes

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<v Speaker 1>to vaulting a ceiling. But vaulting a ceiling is without

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<v Speaker 1>question one of the best ways I mean of utilizing

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<v Speaker 1>your remodeling dollars in my opinion as a designer, simply

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<v Speaker 1>because volume volume in a room is one of those

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<v Speaker 1>ways that gives a room a more spacious feeling as

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<v Speaker 1>opposed to the need to push out and actually get

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<v Speaker 1>more square footage, you know, just the sense of volume.

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<v Speaker 1>So just raising that ceiling is just a tremendously wonderful

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<v Speaker 1>thing that can open up even the smallest of homes.

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<v Speaker 1>And we have a very small home, and you know, certainly,

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<v Speaker 1>certainly by you know us standards, we have a small home.

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<v Speaker 1>I say that, you know, always in a qualified sense,

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<v Speaker 1>because I don't want to I don't want to come

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<v Speaker 1>off ignorant of the way that lots of people live

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<v Speaker 1>around the world. I've got friends from Sheffield, England who

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<v Speaker 1>come over and spend time with us, and they think

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<v Speaker 1>my home is quite expansive because because things are just

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<v Speaker 1>tighter and smaller there. So anyway, so the point is

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<v Speaker 1>this the very first concern that you have. Okay, So

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<v Speaker 1>I'm gonna have to disappoint you a little bit here

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<v Speaker 1>because because it's gonna change for everybody. But I can't

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<v Speaker 1>specifically tell you how you should vault your place, but

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<v Speaker 1>I will give you the general principles. The very first

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<v Speaker 1>thing that you've got to do is you've got to

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<v Speaker 1>get it engineered the right way. Okay. So every room

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<v Speaker 1>is different and and some rooms are are well supported

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<v Speaker 1>enough from the exterior walls that when you go up

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<v Speaker 1>into the attic, you realize there's not a lot of

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<v Speaker 1>support of the roofline coming down onto walls inside this room,

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<v Speaker 1>and that frees you up. That gives you a lot

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<v Speaker 1>of freedom. But that's not the end of the story.

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<v Speaker 1>Because a simple ranch style tracked home, I think like

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<v Speaker 1>the one you probably live in and our little cottage here.

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<v Speaker 1>I think of a triangle, right, and if you put

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<v Speaker 1>your fingers, you know, your index fingers and your thumbs

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<v Speaker 1>in a triangle out in front of you. You've got

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<v Speaker 1>the two sides of the triangle that are ascending up.

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<v Speaker 1>That's let's call that your roofline. Those are the roof rafters.

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<v Speaker 1>In a smaller home. Chances are those roof rafters don't

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<v Speaker 1>have midspan supports on them. So that's good, it's all good.

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<v Speaker 1>But the key is by removing the ceiling, which is

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<v Speaker 1>what your thumbs represent, that flat part at the base

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<v Speaker 1>of the triangle. By removing the ceiling, you're actually taking

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<v Speaker 1>away a structural element, and that element is the tie

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<v Speaker 1>between the ends of the roof. Because the roof really

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<v Speaker 1>that triangle wants to collapse. It wants to just kind

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<v Speaker 1>of fall in on itself, and it is the base

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<v Speaker 1>of the triangle essentially that's holding that triangle erect and

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<v Speaker 1>those that would be your ceiling joist. So taking away

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<v Speaker 1>ceiling joist means that we've got to make sure, absolutely sure,

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<v Speaker 1>without any question whatsoever, that the weight of the roof

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<v Speaker 1>above is not going to push out, you know, and

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<v Speaker 1>push the walls out as it wants to, you know,

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<v Speaker 1>come down on its own weight. So normally what that

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<v Speaker 1>means is a beam across the ridge that's supported by

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<v Speaker 1>posts coming down on each side. Sometimes it can be

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<v Speaker 1>different than that, but normally that's what that means. That's

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<v Speaker 1>the first consideration. So how do we vault a roof? Well,

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<v Speaker 1>the very first call I make once I decide that

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<v Speaker 1>I want to raise the ceilings in a room is

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<v Speaker 1>to my structural engineer, and I want to hear from

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<v Speaker 1>him exactly what the consequences are if I start to

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<v Speaker 1>pull out the ceiling joys and how he suggests that

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<v Speaker 1>we overcome those consequences in order to have no ceiling

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<v Speaker 1>in there and have the basically the roofline project up

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<v Speaker 1>as the new ceiling of the roof. But that's not

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<v Speaker 1>the end of the story, because there are some other considerations,

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<v Speaker 1>like you said, insulation and various things in the attic,

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<v Speaker 1>and you know what we're up against a break, Kathy,

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<v Speaker 1>if I can pop you on hold for a second,

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<v Speaker 1>this is an interesting question. I want to finish the

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<v Speaker 1>answer on the other side of the break. Can you

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<v Speaker 1>hang tight?

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<v Speaker 4>Absolutely?

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<v Speaker 2>Thank you?

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<v Speaker 1>Okay, you hold tight, and we're going to talk about,

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<v Speaker 1>you know, what are the practical principles or the basics

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<v Speaker 1>of vaulting a ceiling inside a typical room. We will

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<v Speaker 1>do that and more of your calls.

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<v Speaker 3>You're listening to Home with Dean Sharp on demand from

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<v Speaker 3>KFI AM six forty.

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<v Speaker 1>It's an all calls Sunday eight three three two. Ask

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<v Speaker 1>Dean a three to three the numeral two asking that's

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<v Speaker 1>the number to reach me at. Just taking your calls now.

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<v Speaker 1>Before the break, we were talking to Kathy. I want

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<v Speaker 1>to make sure I didn't hang up on her. Kathy,

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<v Speaker 1>you're still with me, I hear all right?

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<v Speaker 4>Great.

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<v Speaker 1>Kathy asked a really great question that a lot of

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<v Speaker 1>people wonder about. I'm not sure I've ever been asked

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<v Speaker 1>this question directly, and that is, how do we vault

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<v Speaker 1>a ceiling in? You know, in a typical little, single

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<v Speaker 1>story tracked home, and vaulting a ceiling is such a

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<v Speaker 1>great idea, So how do we go about doing it well?

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<v Speaker 1>It can be an involved process, just because every you know,

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<v Speaker 1>home is different, every room condition is different. And I

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<v Speaker 1>said the first before the break, I said, the first step,

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<v Speaker 1>the most important step, of course, is consulting with the

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<v Speaker 1>structural engineer to make sure that we are may whence

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<v Speaker 1>the ceiling goes. Okay, the ceiling is not just a comfort,

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<v Speaker 1>it's not just a thing that holds the attic insulation

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<v Speaker 1>up in place. But quite often ceiling joyce running across

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<v Speaker 1>the room from one exterior wall to another, or from

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<v Speaker 1>one wall to another are performing a function of tying

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<v Speaker 1>in the bottom of kind of a structural triangle. And

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<v Speaker 1>if you take that out, that triangle wants to collapse down.

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<v Speaker 1>Of course, we do not want that happening. So that's

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<v Speaker 1>the first step along the way, figuring out how are

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<v Speaker 1>we going to support the And it's not a difficult

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<v Speaker 1>thing to do, okay, but we've got to figure out

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<v Speaker 1>how to do it right. How are we going to

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<v Speaker 1>support the roof rafters if the ceiling joyce themselves that

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<v Speaker 1>were there originally are not there. Now, once that is handled,

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<v Speaker 1>once that concept is resolved and we have a plan

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<v Speaker 1>for that, the second thing, the story doesn't end there.

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<v Speaker 1>The second thing is how are we going to properly

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<v Speaker 1>insulate this room? Okay, and this is much easier than

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<v Speaker 1>it seems as well, or I should say, you have

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<v Speaker 1>more options now. In a big home, and I mean

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<v Speaker 1>a big home, there's a good chance that the roof

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<v Speaker 1>rafters are significant substantial inside now they might be made

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<v Speaker 1>out of two x ten something that big, and those

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<v Speaker 1>are actually easy to insulate because there's enough depth in

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<v Speaker 1>the roof rafter to get the necessary insulation. Because what

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<v Speaker 1>we want, what we need, what we got to have

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<v Speaker 1>is our thirty rated insulation up there in what is

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<v Speaker 1>now not an addicts lay so, but there are ways

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<v Speaker 1>around this in a smaller home like my home. My

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<v Speaker 1>home is an old like the beginning of this concept

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<v Speaker 1>of in the nineteen fifties of a truss home, which

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<v Speaker 1>means the rafters quote unquote of my roof are actually

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<v Speaker 1>two by four and two by six, which is not

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<v Speaker 1>deep enough. And maybe Kathy, you may have that, or

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<v Speaker 1>you may have at most I'm guessing two by eight,

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<v Speaker 1>but still that's not enough depth. Seven and a half

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<v Speaker 1>inches is not enough depth to get standard our thirty

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<v Speaker 1>insulation in there. And you can't just take Arthur the

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<v Speaker 1>insulation and squeeze it in because the thickness of the

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<v Speaker 1>insulation is what keeps it at its insulation rating, and

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<v Speaker 1>so if you compress insulation down, it loses its insulation rating.

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<v Speaker 1>So we've got to have that depth. And how do

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<v Speaker 1>you do it well. One of the things that is

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<v Speaker 1>easy to do is when you're planning on vaulting, you

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<v Speaker 1>just don't commit to a full vault, meaning this I

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<v Speaker 1>have taken. Once we opened up the rafters in our

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<v Speaker 1>family room area and supported the ridge so that it's

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<v Speaker 1>all stable now. I then took another set of rafts

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<v Speaker 1>and what you call a false vault, another set of

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<v Speaker 1>rafters that aren't the roof rafters, and set them below

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<v Speaker 1>the rafters and to the sides, what we call sistering them,

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<v Speaker 1>so that we ended up with the depth. Now, what

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<v Speaker 1>it did was and nobody ever notices this, No one

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<v Speaker 1>ever walks into my house ever comments on this. But

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<v Speaker 1>instead of an eight foot ceiling right at the wall line,

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<v Speaker 1>my ceiling is more like seven foot six right at

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<v Speaker 1>the wall line. The reason that doesn't matter is because

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<v Speaker 1>it immediately starts heading upwards at an angle, and so

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<v Speaker 1>no one cares. And so what we've essentially done is

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<v Speaker 1>created another ceiling underneath the roof rafter line that enables

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<v Speaker 1>us to have enough room to get the insulation and

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<v Speaker 1>any duct work or anything else that we need fiddling

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<v Speaker 1>around up in there. All that people know when they

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<v Speaker 1>walk into our home is that that room, the dining room, entryway, kitchen,

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<v Speaker 1>and family room area has a vaulted ceiling. And everybody

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<v Speaker 1>looks up and you just assume that's the bottom of

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<v Speaker 1>the roof. But it's not the bottom of the roof.

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<v Speaker 1>It's a few inches below the bottom of the roof.

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<v Speaker 1>And because of that, it's all snugly insulated, nice tight.

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<v Speaker 1>I got cables running back and forth across it. I've

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<v Speaker 1>got all the room I need to do all the

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<v Speaker 1>things we wanted to do, and yet it is a

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<v Speaker 1>vaulted ceiling. And so, my friend, that is kind of

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<v Speaker 1>the process you go through in order to do it.

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<v Speaker 1>Number One, you've got to make sure that structurally the

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<v Speaker 1>house is in no way, shape or form compromised by

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<v Speaker 1>the removal of the ceiling. And once you do this,

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<v Speaker 1>by the way, today here's the nice thing. You live

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<v Speaker 1>in a twenty year old home. I live in a

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<v Speaker 1>sixty year old home or seventy year old home. And

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<v Speaker 1>once an engineer has fixed up how to vault the ceiling,

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<v Speaker 1>that is twenty first century, twenty twenty four engineering. It

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<v Speaker 1>actually makes the house stronger than it was without the vault,

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<v Speaker 1>just because the engineering standards are so much higher. So

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<v Speaker 1>that's a great thing. And then once that's handled, then

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<v Speaker 1>it's all about being tricky with the framing so that

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<v Speaker 1>esthetically we get the full effect of the vault, but

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<v Speaker 1>you still get the chambers up inside there to get

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<v Speaker 1>all the adequate insulation and stuff running. Now, if you

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<v Speaker 1>want to do a pure vault into the roof rafters,

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<v Speaker 1>you can do that too. I'm just going to share

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<v Speaker 1>this last little bit. The difference is you're going to

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<v Speaker 1>use spray in insulation, closed cell spray in insulation it's expensive,

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<v Speaker 1>but spray in closed cell insulation can give you that

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<v Speaker 1>R thirty in a relatively shallow area of a roofline.

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<v Speaker 1>That's another way of doing it, but it's actually less

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<v Speaker 1>expensive to drop in a false ceiling and use standard

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<v Speaker 1>insulation to get your R thirty then to go spray in.

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<v Speaker 1>And that's my story.

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<v Speaker 4>Thank you so much. I really appreciate your help.

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<v Speaker 1>Does that help give you some perspective on how you

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<v Speaker 1>approach yours? Does?

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<v Speaker 4>Thank you? And I have a small house too, and

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<v Speaker 4>I thought that would be really pretty if I did that.

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<v Speaker 1>Oh my gosh, Kathy, it will. It's it's a it's

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<v Speaker 1>a game changer. It truly, truly is a game changer.

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<v Speaker 1>All you have to do, I say, all you have

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<v Speaker 1>to do if you ever get the time to spend

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<v Speaker 1>any time traveling through Europe and find these small rooms,

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<v Speaker 1>you know, eight by ten rooms, ten by ten foot

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<v Speaker 1>rooms with fourteen foot ceilings in them, you realize how

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<v Speaker 1>important it is that the volume up above your head,

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<v Speaker 1>how it changes the feel of a small space. And

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<v Speaker 1>so that principle holds true, and it's why vaulting a

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<v Speaker 1>ceiling in a home is just a really cool maneuver

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<v Speaker 1>to do, especially especially in a smaller home. That's it, Kathy,

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<v Speaker 1>Thank you so much for your call. Great call, great question,

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<v Speaker 1>and we're going to have more of them. I see

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<v Speaker 1>you all lined up here.

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<v Speaker 3>You're listening to Home with Dean Sharp on demand from

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<v Speaker 3>KFI AM six forty.

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<v Speaker 1>It is an all calls Sunday morning here on the program,

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<v Speaker 1>the Sunday before Christmas twenty twenty four. We're just chilling

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<v Speaker 1>and we are talking with you. You're setting the agenda.

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<v Speaker 1>You didn't know when you woke up this morning that

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<v Speaker 1>you were actually in charge of my show, but you

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<v Speaker 1>are because whatever it is that you want to talk about,

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<v Speaker 1>that's what we're talking about today. So let's get back

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<v Speaker 1>to the phones. Sound good. Let's talk to Sally. Hey, Sally,

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<v Speaker 1>welcome home.

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<v Speaker 2>Hi, thank you. I have a question about my nineteen

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<v Speaker 2>fifty seven got home. I keep getting these letters in

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<v Speaker 2>the mail from I think the gas company asking me

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<v Speaker 2>if I want insurance for my gas and sewer lines

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<v Speaker 2>that go from my home to the street. Yeah, And

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<v Speaker 2>I just want to know is that I mean I

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<v Speaker 2>kind of worry about the sewer line, the gas line.

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<v Speaker 2>I never even gave a second bot to being the

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<v Speaker 2>age of my house and have no idea what kind

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<v Speaker 2>of pipes it has. Yeah.

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<v Speaker 1>Yeah, so yeah, yeah, I you know, I think everybody

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<v Speaker 1>it is a really good question, because I'm pretty sure

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<v Speaker 1>everybody in southern California has consistently received those letters, now,

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<v Speaker 1>I mean we get them. I don't know how how

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<v Speaker 1>often do we get a letter from the gas company,

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<v Speaker 1>Tina saying do you want insurance on the exterior lines?

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<v Speaker 1>Like it once a year, a couple of times anyway.

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<v Speaker 1>So I think they're covering, They're they're reaching out to everybody.

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<v Speaker 1>Uh okay, So I don't have a definitive answer for you,

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<v Speaker 1>but I can tell you this you just got. It's

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<v Speaker 1>as with all insurance. Uh, you've got to read the

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<v Speaker 1>fine print, because my understanding of this situation, it's actually

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<v Speaker 1>not the gas company that's doing the insuring. It is

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<v Speaker 1>a partner company, an insurance company, I believe, so cal

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<v Speaker 1>It's Home Serve is the name of the company that

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<v Speaker 1>is right Home Serve. So they're a mega, mega insurance company.

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<v Speaker 1>And uh and and it's it's inexpensive. I think it's

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<v Speaker 1>just a few dollars a month, Okay, So you weigh

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<v Speaker 1>that against whether or not you know there are enough

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<v Speaker 1>you know, coverage areas to make it worth your while.

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<v Speaker 1>And what I mean is, as with all insurance policies,

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<v Speaker 1>especially when it comes to homeowner insurance of any sort whatsoever,

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<v Speaker 1>usually the list of exclusions is like four times as

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<v Speaker 1>long as the list of coverage. Okay, and so, and

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<v Speaker 1>that's the thing. I'll tell you this. And now I'm

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<v Speaker 1>gonna by saying this, I'm gonna lose any potential endorsement

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<v Speaker 1>from the gas company. So this call is costing me money, Sally.

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<v Speaker 1>That's all here. Uh, we have not opted to do

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<v Speaker 1>it at our home. And it's not just because well

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<v Speaker 1>you know, I'm a builder and I know how to

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<v Speaker 1>do it. It's not about that. It's just that I

396
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<v Speaker 1>found for us that the list of exclusions, I mean,

397
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<v Speaker 1>it just went on and on and on and on

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00:24:04.880 --> 00:24:08.359
<v Speaker 1>as far as like acts of God, flood fire, this

399
00:24:08.960 --> 00:24:13.279
<v Speaker 1>nothing gets covered nuclear war like like I would be

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<v Speaker 1>concerned about my sure lyne after the nuclear bomb goes off.

401
00:24:19.519 --> 00:24:23.279
<v Speaker 1>But the point is so so all I can tell

402
00:24:23.319 --> 00:24:27.880
<v Speaker 1>you is we did not pick up that coverage, and personally,

403
00:24:28.400 --> 00:24:30.720
<v Speaker 1>that was our own personal decision. I'm not saying it's

404
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<v Speaker 1>a ripoff. I'm simply saying that everybody has to evaluate

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00:24:34.240 --> 00:24:38.680
<v Speaker 1>their own situation and and read the fine print because

406
00:24:39.079 --> 00:24:43.160
<v Speaker 1>at some point, uh, you know, what's left over after

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00:24:43.200 --> 00:24:46.440
<v Speaker 1>the list of exclusions, that's what you have to evaluate.

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<v Speaker 1>What are the odds of this happening to me in

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<v Speaker 1>just this way so that this gets covered. Uh, and otherwise,

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<v Speaker 1>you know, And isn't that all insurance really? I mean,

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<v Speaker 1>all insurance is essentially a gamble. It's a pull of

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00:24:58.680 --> 00:25:01.680
<v Speaker 1>the of the slot mash wheel, like gee, I for

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<v Speaker 1>the money I put in, I hope the disaster that

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<v Speaker 1>happens is the is the one that's covered. So that's

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<v Speaker 1>the best I can tell you. Just read it, read

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<v Speaker 1>the fine print, check the exclusions, and you know, maybe

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<v Speaker 1>you'll find the six bucks a month is you know,

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00:25:17.000 --> 00:25:18.880
<v Speaker 1>no big deal. And yeah, why not? Why not?

419
00:25:20.200 --> 00:25:22.960
<v Speaker 2>I had a guy come by about ten years ago.

420
00:25:23.200 --> 00:25:26.119
<v Speaker 2>Two guys come by, and oh, they were going to

421
00:25:26.160 --> 00:25:29.400
<v Speaker 2>replace my my sewer line. It was like fifteen thousand

422
00:25:29.440 --> 00:25:31.519
<v Speaker 2>dollars or something. I thought, holy crap, you know, not

423
00:25:31.599 --> 00:25:34.680
<v Speaker 2>that far away from the street. Yeah, yeah, well I

424
00:25:34.680 --> 00:25:36.680
<v Speaker 2>will say maybe insurance is good.

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00:25:37.720 --> 00:25:40.640
<v Speaker 1>Yeah, I mean, I'll tell you this. Uh, you know,

426
00:25:40.880 --> 00:25:43.799
<v Speaker 1>replacing a sewer line is no joke. It's no joke

427
00:25:44.079 --> 00:25:47.200
<v Speaker 1>because they go deep. You got to cut through your yard.

428
00:25:48.160 --> 00:25:51.119
<v Speaker 1>You know. Maybe for a lot of people you end up,

429
00:25:51.200 --> 00:25:53.880
<v Speaker 1>you know, cutting through a driveway. You know, depending on

430
00:25:54.000 --> 00:25:58.000
<v Speaker 1>where where it is and how it's running and what material.

431
00:25:58.079 --> 00:26:01.079
<v Speaker 1>I mean, there were still homes out there with clay

432
00:26:01.359 --> 00:26:04.839
<v Speaker 1>sewer lines that are just begging to shut down at

433
00:26:04.920 --> 00:26:06.799
<v Speaker 1>any moment today.

434
00:26:07.240 --> 00:26:08.000
<v Speaker 2>Yeah.

435
00:26:08.039 --> 00:26:10.079
<v Speaker 1>Wow, what you have to do though, And here's the

436
00:26:10.519 --> 00:26:12.720
<v Speaker 1>I mean, I'll put I'll put a bright spin on it.

437
00:26:12.960 --> 00:26:16.119
<v Speaker 1>Here's the nice thing about having to make an insurance

438
00:26:16.200 --> 00:26:18.759
<v Speaker 1>decision about that kind of stuff. You should take it

439
00:26:18.799 --> 00:26:25.240
<v Speaker 1>as an opportunity to uh figure out exactly where all

440
00:26:25.279 --> 00:26:29.960
<v Speaker 1>of this stuff is in your yard, Okay, what it's

441
00:26:30.000 --> 00:26:32.839
<v Speaker 1>made out of, and where it goes. And I will

442
00:26:32.839 --> 00:26:35.440
<v Speaker 1>tell you this. If I asked one hundred listeners right

443
00:26:35.480 --> 00:26:39.559
<v Speaker 1>now where their sewer line leaves their house and joins

444
00:26:39.640 --> 00:26:42.759
<v Speaker 1>up with the street, I'm thinking that I'm going to

445
00:26:42.880 --> 00:26:47.480
<v Speaker 1>get seven d homeowners saying oh uh and uh, And

446
00:26:47.519 --> 00:26:49.880
<v Speaker 1>that's something you should just you should you should know,

447
00:26:50.119 --> 00:26:51.920
<v Speaker 1>you should know, and you know what. One of the

448
00:26:51.920 --> 00:26:53.920
<v Speaker 1>ways that you can do that is by calling a

449
00:26:54.039 --> 00:26:58.319
<v Speaker 1>service like dig Alert, by calling eight one one, and

450
00:26:58.640 --> 00:27:02.000
<v Speaker 1>they'll come out in the three days no less than

451
00:27:02.240 --> 00:27:04.680
<v Speaker 1>no more than three days from your call, maybe with

452
00:27:04.839 --> 00:27:08.200
<v Speaker 1>the exception of Christmas week, and they will flag and

453
00:27:08.279 --> 00:27:12.400
<v Speaker 1>locate all the stuff that's buried in your yard for free. Okay,

454
00:27:12.799 --> 00:27:17.119
<v Speaker 1>So no, no, kiddie, This is they beg you to

455
00:27:17.200 --> 00:27:19.920
<v Speaker 1>do it because if you're about to dig in your yard,

456
00:27:20.359 --> 00:27:23.759
<v Speaker 1>they don't want you hitting gas lines, sewer lines, They

457
00:27:23.759 --> 00:27:27.000
<v Speaker 1>don't want you hitting public utility lines that happened across

458
00:27:27.039 --> 00:27:28.880
<v Speaker 1>your property and you didn't know it. They don't want

459
00:27:28.880 --> 00:27:31.960
<v Speaker 1>you disrupting the neighborhood's cable service and all of that

460
00:27:32.039 --> 00:27:36.160
<v Speaker 1>kind of stuff. So these companies, all of these utilities,

461
00:27:36.799 --> 00:27:39.079
<v Speaker 1>they pay at their cost to be a part of

462
00:27:39.160 --> 00:27:43.279
<v Speaker 1>the dig Alert program and so and you don't have

463
00:27:43.319 --> 00:27:45.519
<v Speaker 1>to justify. You don't have to show them a building permit.

464
00:27:45.599 --> 00:27:49.319
<v Speaker 1>You say, listen, I am planning on having work done

465
00:27:49.400 --> 00:27:52.319
<v Speaker 1>in my yard. In your case, it's an emergency sewer

466
00:27:52.359 --> 00:27:56.920
<v Speaker 1>repair in the future, and they will simply notify all

467
00:27:56.920 --> 00:27:59.759
<v Speaker 1>of the utilities. They do as a scan on your

468
00:27:59.759 --> 00:28:03.559
<v Speaker 1>pro public records, and they'll notify all the utilities and

469
00:28:04.640 --> 00:28:07.599
<v Speaker 1>cable providers and all of that, and they'll all be

470
00:28:07.720 --> 00:28:09.839
<v Speaker 1>out and they'll put little flags in the yard this

471
00:28:09.920 --> 00:28:11.839
<v Speaker 1>is where the sewer is, this is where this is,

472
00:28:12.200 --> 00:28:14.640
<v Speaker 1>and you can start to learn and see. So that way,

473
00:28:14.960 --> 00:28:18.640
<v Speaker 1>my point is you can evaluate, like, wow, does my

474
00:28:18.799 --> 00:28:22.559
<v Speaker 1>sewer line run underneath my driveway or is it in

475
00:28:22.599 --> 00:28:24.599
<v Speaker 1>a place where if I had to replace it it

476
00:28:24.640 --> 00:28:27.599
<v Speaker 1>wouldn't completely tear up my yard for tens of thousands

477
00:28:27.599 --> 00:28:30.200
<v Speaker 1>of dollars. That kind of stuff. Everybody should know that.

478
00:28:30.720 --> 00:28:32.799
<v Speaker 1>But getting back, and I got to run here because

479
00:28:32.799 --> 00:28:34.319
<v Speaker 1>we're right at the top of the hour, Sally, But

480
00:28:35.279 --> 00:28:40.079
<v Speaker 1>such a great question, and again, just you know, after

481
00:28:40.160 --> 00:28:45.440
<v Speaker 1>all the exclusions, does the insurance cover enough of real

482
00:28:45.640 --> 00:28:49.759
<v Speaker 1>life potential circumstances to be worth the few bucks a

483
00:28:49.759 --> 00:28:51.480
<v Speaker 1>month that you're going to pay for? And then that's

484
00:28:51.880 --> 00:28:52.960
<v Speaker 1>the best advice.

485
00:28:52.599 --> 00:28:55.599
<v Speaker 2>I can gray. Excellent advice. And thank you for the

486
00:28:55.640 --> 00:28:57.319
<v Speaker 2>eight one one number.

487
00:28:57.359 --> 00:29:00.640
<v Speaker 1>You're very very welcome. Thanks Sally for the call. Mary Christmas,

488
00:29:00.920 --> 00:29:01.519
<v Speaker 1>nice holiday.

489
00:29:01.720 --> 00:29:03.440
<v Speaker 4>Okay, bye bye bye bye.

490
00:29:04.160 --> 00:29:07.119
<v Speaker 1>All right, y'all, more of your calls when we return.

491
00:29:07.240 --> 00:29:10.480
<v Speaker 1>You are Home with Dean Sharp, the House Whisper on KFI.

492
00:29:11.200 --> 00:29:14.680
<v Speaker 1>This has been Home with Dean Sharp, the House Whisper.

493
00:29:14.759 --> 00:29:17.680
<v Speaker 1>Tune into the live broadcast on KFI Am six forty

494
00:29:17.759 --> 00:29:20.920
<v Speaker 1>every Saturday morning from six to eight Pacific time, and

495
00:29:21.000 --> 00:29:24.279
<v Speaker 1>every Sunday morning from nine to noon Pacific time, or

496
00:29:24.480 --> 00:29:27.720
<v Speaker 1>anytime on demand on the iHeart Radio app.
