WEBVTT 1 00:00:05.200 --> 00:00:10.080 Ripped off, news needs who you. 2 00:00:10.119 --> 00:00:15.119 Don't have Corning's success as we can. 3 00:00:16.000 --> 00:00:18.600 Shooter's gonna help coming. 4 00:00:18.960 --> 00:00:20.800 Man, this is. 5 00:00:20.719 --> 00:00:22.079 The Troubleshooter Show. 6 00:00:22.679 --> 00:00:27.399 No Tom Martinez, Welcome, Welcome to the only let show 7 00:00:27.399 --> 00:00:27.800 of this guy. 8 00:00:27.839 --> 00:00:31.800 We're here to solve problems, answer questions, take complaints. My goodness, 9 00:00:31.879 --> 00:00:33.640 we are here to make your life a little bit 10 00:00:33.679 --> 00:00:36.479 better if you've been ripped off or taking advantage of. 11 00:00:36.560 --> 00:00:38.640 Maybe you got a problem with a landlord, maybe you 12 00:00:38.719 --> 00:00:42.159 got a problem with a landscaper. That's gonna start popping 13 00:00:42.240 --> 00:00:44.880 up a lot. In fact, landscapers, I'm gonna tell you 14 00:00:44.920 --> 00:00:48.280 something coming up in the next couple months. We start 15 00:00:48.320 --> 00:00:51.200 hearing a lot of problems all around Colorado and the 16 00:00:51.200 --> 00:00:55.399 country with landscapers. Be careful, pay as you go, pay 17 00:00:55.439 --> 00:00:57.960 as you go. In fact, the best way to do 18 00:00:58.000 --> 00:01:00.719 it is don't pay anything up front. But I will 19 00:01:00.759 --> 00:01:03.479 say this, if they do labor one day and you're 20 00:01:03.479 --> 00:01:06.640 doing an hourly deal with them, pay up front or 21 00:01:06.760 --> 00:01:09.400 pay daily. But man, do not pay the whole thing 22 00:01:09.480 --> 00:01:12.760 up front. You will see we have lots of issues. 23 00:01:12.799 --> 00:01:16.560 I remember last year, lots of retaining wall problems. Basically, 24 00:01:17.000 --> 00:01:20.680 landscapers had show up and honestly, just have no idea 25 00:01:20.760 --> 00:01:23.239 what they're doing. That's the bottom line. They shouldn't be 26 00:01:23.280 --> 00:01:26.319 in the business. Some of them might be outright crooks. 27 00:01:26.359 --> 00:01:29.519 I remember a few last year that basically showed up, 28 00:01:29.560 --> 00:01:32.239 took money and did nothing. So you got to watch 29 00:01:32.280 --> 00:01:32.680 out for that. 30 00:01:32.719 --> 00:01:34.280 Go ahead, doc, I can't think, Well, the problem is 31 00:01:34.319 --> 00:01:37.719 anybody can just get a couple of guys with shovels 32 00:01:37.719 --> 00:01:38.200 and rakes. 33 00:01:38.280 --> 00:01:40.640 Yeah, anywhere in front of the depot for that matter, 34 00:01:40.959 --> 00:01:44.280 and we'll just do your landscaping. Yep. Yeah. Make sure 35 00:01:44.280 --> 00:01:46.519 they know what they're doing. I mean, that's the that's 36 00:01:46.599 --> 00:01:50.519 the deal. Three oh three seven one three eight two 37 00:01:50.560 --> 00:01:52.799 five five. By the way, this hour brought to you 38 00:01:52.920 --> 00:01:56.560 by Frank Dran, the real estate man. In fact, we 39 00:01:56.599 --> 00:01:59.680 talked to Frank yesterday. He's doing something really cool, free analysis. 40 00:02:00.040 --> 00:02:03.319 If you got your evaluation on your house or your 41 00:02:03.319 --> 00:02:07.040 property tax assessment and it seems high, he's gonna do 42 00:02:07.439 --> 00:02:10.639 a free assessment for you, a free valuation, so you 43 00:02:10.680 --> 00:02:13.080 can fight it. But listen, you got to basically get 44 00:02:13.080 --> 00:02:16.159 it done this month. The window these counties give you 45 00:02:16.280 --> 00:02:19.560 is so so small, it's like almost a month. I 46 00:02:19.639 --> 00:02:21.680 think it might be the fifth of June, it's over. 47 00:02:22.080 --> 00:02:25.159 But people's property ours went up, Suzanna and I's went 48 00:02:25.240 --> 00:02:28.439 up three hundred thousand, and I had him do an 49 00:02:28.439 --> 00:02:32.120 evaluation on it, and he brought it down about one 50 00:02:32.199 --> 00:02:34.599 hundred and fifty and gave me the comps to prove it. 51 00:02:34.680 --> 00:02:37.000 So I'll out of a zoom meeting with Douglas County. 52 00:02:37.039 --> 00:02:38.840 And I had to do this. I had to do 53 00:02:38.879 --> 00:02:41.800 this three years ago or two years ago as well. Brian, 54 00:02:42.759 --> 00:02:44.759 did yours come in yet? By the way, that's Brian 55 00:02:44.800 --> 00:02:46.719 Burns's compass insurance? Yep? 56 00:02:46.759 --> 00:02:49.639 Mine went up again. I did fight it a couple 57 00:02:49.680 --> 00:02:50.280 of years ago. 58 00:02:50.719 --> 00:02:51.240 Did you win? 59 00:02:52.439 --> 00:02:54.360 Not nearly what I had asked for, but a little 60 00:02:54.360 --> 00:02:56.360 bit like fifty thousand or something I got. 61 00:02:56.599 --> 00:02:58.879 Mine went up, God, I don't remember. That was the 62 00:02:58.919 --> 00:03:02.159 big one. Was the one that just skyrocketed. It went 63 00:03:02.280 --> 00:03:05.840 up like five six hundred thousand dollars man, yep, and 64 00:03:06.360 --> 00:03:09.120 I got them to knockoff. Maybe I think it was 65 00:03:09.159 --> 00:03:12.280 about three hundred so, but it is, you know, every 66 00:03:12.319 --> 00:03:15.560 penny counts, man, absolutely. But what irritates me they're acting 67 00:03:15.639 --> 00:03:18.120 like hey boom, yeah, you know. I started thinking if 68 00:03:18.120 --> 00:03:20.199 I could sell that house for what they say it's 69 00:03:20.240 --> 00:03:23.280 worth now, I might put it up for sale. I mean, 70 00:03:23.319 --> 00:03:25.840 they just inflate these numbers. I don't even know what 71 00:03:25.840 --> 00:03:29.039 it's based upon. If I go to Zillow, realtor dot com, 72 00:03:29.080 --> 00:03:31.599 if I go to any of these things, my freaking 73 00:03:31.680 --> 00:03:32.919 house doesn't come near that. 74 00:03:33.159 --> 00:03:33.240 No. 75 00:03:33.400 --> 00:03:35.599 And some people when they get these notices, they actually 76 00:03:35.680 --> 00:03:38.199 are like they think it's a compliment that their house 77 00:03:38.280 --> 00:03:40.439 is worth so much. And I'm like, no, no, you're just 78 00:03:40.479 --> 00:03:42.240 getting paid. You're gonna have to pay more taxes. That's 79 00:03:42.280 --> 00:03:44.680 the only only establishment. Yeah, so we got rid of 80 00:03:44.719 --> 00:03:45.840 the Gallagher Amendment. 81 00:03:45.879 --> 00:03:49.840 And basically what happened is the Democrats or basically the 82 00:03:49.840 --> 00:03:53.840 people we elected in Colorado, Okidoctas, about two or three 83 00:03:53.919 --> 00:03:56.240 years ago they said, hey, this year, we'll give you 84 00:03:56.280 --> 00:03:58.759 a really good deal on property taxes. Then it's going 85 00:03:58.840 --> 00:04:00.159 to go up at least. So what they did it 86 00:04:00.199 --> 00:04:03.360 is a change the way they value it. They went 87 00:04:03.439 --> 00:04:06.159 more to a real well the problem is now it's 88 00:04:06.159 --> 00:04:09.479 too inflated, but they went to a real value. Prior 89 00:04:09.560 --> 00:04:14.599 to that, the value was usually about thirty forty, maybe 90 00:04:14.639 --> 00:04:18.000 even fifty percent less than what the property was actually worth. 91 00:04:18.480 --> 00:04:21.399 So I understand that something probably needed to be changed, 92 00:04:21.439 --> 00:04:23.199 but the way they did it by getting rid of 93 00:04:23.240 --> 00:04:27.079 the Gallagher Amendment just killed us. I mean really, they 94 00:04:27.439 --> 00:04:28.480 screwed everybody here. 95 00:04:28.720 --> 00:04:30.360 Yeah, because it's like you said, a lot of the 96 00:04:30.439 --> 00:04:32.720 values that come in now are higher than what the 97 00:04:32.839 --> 00:04:33.519 house is worth. 98 00:04:33.560 --> 00:04:36.560 And so yeah, and that's and that's where I started this. 99 00:04:36.639 --> 00:04:40.639 So Frank Deran, the real estate man, he's going to 100 00:04:40.720 --> 00:04:42.839 do a free valuation and plus you're going to figure 101 00:04:42.839 --> 00:04:45.279 out how much your house is worth. Doesn't cost you 102 00:04:45.279 --> 00:04:47.480 a dime, and he'll give you a report. I got 103 00:04:47.480 --> 00:04:49.279 mine the other day. It's about one hundred and fifty 104 00:04:49.279 --> 00:04:52.439 two hundred thousand less than what Douglas County says. Let 105 00:04:52.439 --> 00:04:57.040 me introduce somebody else, Robert Bruce, Integrity Electric and Home Improvement. 106 00:04:57.279 --> 00:05:00.519 You've been on our How long you've been on the referra? Man? 107 00:05:00.560 --> 00:05:03.839 At least fifteen? You got to get close to the 108 00:05:03.879 --> 00:05:07.120 mic and then hit the on button. There you go, man, 109 00:05:08.639 --> 00:05:11.199 rookie mistake here? How long? 110 00:05:12.120 --> 00:05:14.879 So I was here? Came in with Tom on two 111 00:05:14.920 --> 00:05:15.560 thousand and eight. 112 00:05:15.720 --> 00:05:19.000 Wow, okay, that's almost you're coming up on twenty years. Hey, 113 00:05:19.079 --> 00:05:21.199 let me ask you something, man, did you get your 114 00:05:21.279 --> 00:05:24.240 valuation on your house, I did, was it up? 115 00:05:24.319 --> 00:05:24.519 Down? 116 00:05:24.600 --> 00:05:25.040 Went down? 117 00:05:25.279 --> 00:05:25.439 Oh? 118 00:05:25.480 --> 00:05:28.519 It went down. That's a wrapple Hoole County. Someone yesterday 119 00:05:28.519 --> 00:05:32.160 said theirs went down. Dang it. I forget who it was. 120 00:05:32.199 --> 00:05:34.199 It might have been a caller, but someone said theirs 121 00:05:34.240 --> 00:05:36.079 went down, and I was shock because mine went up 122 00:05:36.120 --> 00:05:38.839 by such a stupid amount. I mean, it's just like 123 00:05:38.920 --> 00:05:42.319 they throw a dart and whatever it hits the number, 124 00:05:42.319 --> 00:05:45.079 they add a couple of zeros to doc. You said, 125 00:05:45.120 --> 00:05:47.399 yours went up, but you're not going to fight at 126 00:05:47.399 --> 00:05:50.079 which I don't understand. Yeah, here's the problem. 127 00:05:51.360 --> 00:05:51.560 You know. 128 00:05:51.600 --> 00:05:52.600 It's a new development. 129 00:05:53.000 --> 00:05:53.240 Yeah. 130 00:05:53.720 --> 00:05:56.759 Three other of the units, Yeah. 131 00:05:56.480 --> 00:05:59.839 That were exactly the same as mine. Yeah, came sold 132 00:06:00.120 --> 00:06:03.600 for two hundred thousand dollars more than mine sould. 133 00:06:03.800 --> 00:06:06.959 So the comps are right there. Yea, yeah, you know what, 134 00:06:07.519 --> 00:06:09.720 I think you're probably correct there. I mean if you 135 00:06:09.800 --> 00:06:12.079 had a neighborhood like an Highlands ranch, where you have 136 00:06:12.480 --> 00:06:15.920 ten different track homes, ten different models, and you have 137 00:06:16.000 --> 00:06:18.279 five or six of the exact same model, that would 138 00:06:18.279 --> 00:06:20.680 be kind of hard, especially in a condo, because they're 139 00:06:20.680 --> 00:06:25.120 identical units right here, pretty much. Yeah, so that they 140 00:06:25.240 --> 00:06:28.600 I get that, all right? Three oh three seven, one, three, eight, 141 00:06:28.639 --> 00:06:30.560 two five five. But if you go to Frank Duran 142 00:06:30.600 --> 00:06:35.079 Holmes dot com Frank Duran Homes dot com and just 143 00:06:35.160 --> 00:06:37.439 reach out. You can call him and just say, hey, 144 00:06:37.480 --> 00:06:40.279 I want that free appraisal. It's not really an appraisal, 145 00:06:40.319 --> 00:06:43.160 but the free comps and he'll put a report together 146 00:06:43.480 --> 00:06:46.160 and then basically you go to your county you say 147 00:06:46.199 --> 00:06:48.800 you want to basically fight it, fight the HM out 148 00:06:48.800 --> 00:06:51.120 there trying to charge you, and then you can upload 149 00:06:51.160 --> 00:06:53.720 all your evidence and it's a great way to do it. 150 00:06:53.839 --> 00:06:56.920 Plus the other thing that's nice when you get something 151 00:06:56.959 --> 00:06:59.959 from Frank a true valuation of your house, Brian, they 152 00:07:00.079 --> 00:07:02.439 can see if they're insured. And this kind of ties 153 00:07:02.480 --> 00:07:06.480 into you encompass insurance because how many people call up 154 00:07:06.759 --> 00:07:10.079 because you know everybody is getting worse and worse insurances 155 00:07:10.120 --> 00:07:14.920 we go. It's either going to actual cash value policies 156 00:07:15.319 --> 00:07:19.399 or a percentage of higher deductibles, higher deductibles. It's just 157 00:07:19.439 --> 00:07:22.360 getting bad no matter what. And just price increases across 158 00:07:22.360 --> 00:07:24.600 the board. So how many times when you quote a 159 00:07:24.639 --> 00:07:27.040 house now and Tom, I'll go to you in one second, 160 00:07:27.160 --> 00:07:29.240 how many times when you quote a house you find 161 00:07:29.279 --> 00:07:32.199 out that it's undervalued yeah, it happens. 162 00:07:32.279 --> 00:07:34.639 It used to happen a lot more frequently now I 163 00:07:34.680 --> 00:07:38.600 think insurance companies have been actively increasing those dwelling limits 164 00:07:38.639 --> 00:07:41.920 at renewal. Yeah, and so then you always run the risk. 165 00:07:41.959 --> 00:07:44.319 You want to make sure you're not over insuring, especially 166 00:07:44.360 --> 00:07:48.240 if you have a carrier that has extended replacement cost, 167 00:07:48.480 --> 00:07:50.360 and you know, we have a couple carriers that still 168 00:07:50.399 --> 00:07:54.079 do uncapped replacement cost, meaning that no matter what the dwelling, 169 00:07:54.079 --> 00:07:56.519 as long as you ensure for what they say, even 170 00:07:56.560 --> 00:07:59.000 if it exceeds that amount, they'll pay for it. So 171 00:07:59.160 --> 00:08:01.040 that's good, that's what you want. You want the onus 172 00:08:01.079 --> 00:08:02.079 on the insurance company. 173 00:08:02.199 --> 00:08:04.800 You adjusted mine, I think it was two years ago. 174 00:08:05.079 --> 00:08:07.600 It was pretty massive. Man, we had to go up. 175 00:08:07.639 --> 00:08:09.879 I mean a lot of money. It was ridiculous because 176 00:08:09.879 --> 00:08:12.839 off our house burned down. Literally we would be, you know, 177 00:08:12.959 --> 00:08:15.839 thirty percent under insured. I mean now we're fine, but 178 00:08:15.959 --> 00:08:18.600 that was crazy. So that's the other reason this valuation. 179 00:08:18.759 --> 00:08:20.959 They can look at it, see it and then look 180 00:08:21.000 --> 00:08:23.800 at their coverage and see them make sure they coverage. 181 00:08:24.000 --> 00:08:26.319 Because the Boulder fire, how many people were. 182 00:08:26.600 --> 00:08:29.199 There was a ninety seven percent of the people were 183 00:08:29.319 --> 00:08:33.159 under insured. After the Boulder fire percent. That's what the 184 00:08:33.440 --> 00:08:36.679 Denver Post came out with. That's such a crazy number. 185 00:08:37.000 --> 00:08:40.720 Like everybody I almost say what it was? Almost everybody was. 186 00:08:41.279 --> 00:08:43.080 I mean, that's absolutely bonkers. 187 00:08:43.080 --> 00:08:45.399 Hey, Tom, tell me what the issue is and then 188 00:08:45.440 --> 00:08:47.240 I got to take a break and when I come back, 189 00:08:47.279 --> 00:08:49.559 we'll figure it out for you. What's going on? Tom? 190 00:08:50.120 --> 00:08:52.799 Hey? Mark, So thanks sticking my call. About a year 191 00:08:52.799 --> 00:08:55.840 and a half ago, my little brother unexpectedly passed away. 192 00:08:56.039 --> 00:08:56.600 Oh I'm sorry. 193 00:08:56.639 --> 00:08:58.919 I had to hire Yeah, thank you. Hey. I had 194 00:08:58.919 --> 00:09:01.279 to hire an attorney and I was David Salisbury actually 195 00:09:01.440 --> 00:09:04.399 for the second time, to open up the probate. It 196 00:09:04.440 --> 00:09:07.960 was a very basic probate, only had his house. It 197 00:09:08.080 --> 00:09:10.600 was like seventy thousand dollars, not much there so, but 198 00:09:10.679 --> 00:09:14.159 I still had to open up a probate. Well, it's opened, 199 00:09:14.440 --> 00:09:16.279 sold the house, good to go. So I'm trying to 200 00:09:16.279 --> 00:09:18.559 get a hold of David. He was on your refram. 201 00:09:18.639 --> 00:09:21.360 He retired for a long time. He retired, bro, that's 202 00:09:21.399 --> 00:09:26.039 my that's my concern is the probate's still open. I 203 00:09:26.120 --> 00:09:28.320 need to close it out with Elbert County and I 204 00:09:28.320 --> 00:09:29.279 don't know how to do that. 205 00:09:29.440 --> 00:09:32.200 Well, that's a curious question. Let me do this. Let 206 00:09:32.240 --> 00:09:35.320 me get Dan McKenzie on and let's ask him if 207 00:09:35.440 --> 00:09:37.399 a different I don't know why you just wouldn't hire 208 00:09:37.399 --> 00:09:40.200 another attorney, but let's ask an attorney that does it 209 00:09:40.360 --> 00:09:43.720 and see what his option is. I mean, you didn't 210 00:09:43.720 --> 00:09:46.600 pay David and you were just paying him bill hourly right. 211 00:09:47.480 --> 00:09:49.720 No, no, no, he had a lump see that was 212 00:09:49.799 --> 00:09:52.559 his model. That was why he was so cheap. Two 213 00:09:52.639 --> 00:09:56.120 thousand actually this was twenty five hundred for the probate. 214 00:09:56.200 --> 00:09:57.120 I paid him up front. 215 00:09:57.159 --> 00:10:00.440 And what does he have left to do? 216 00:10:00.480 --> 00:10:02.559 Just close it out with Elvert County. 217 00:10:02.600 --> 00:10:04.279 Yeah, hold on to seg let me get you on. Hold, 218 00:10:04.360 --> 00:10:07.480 let's do that, Kelly. I want to get I want 219 00:10:07.480 --> 00:10:10.279 to get mackenzie on. Three oh three seven one three 220 00:10:10.360 --> 00:10:13.679 A two five five three oh three Martino. We got 221 00:10:13.679 --> 00:10:16.120 three lines open and I'm going to try to text 222 00:10:17.120 --> 00:10:20.679 get me this guy's last name to Kelly, Tom's last name. 223 00:10:20.799 --> 00:10:21.679 Everybody holds tight. 224 00:10:26.759 --> 00:10:30.039 Go with a sure thing Denver's Best Roofer Excel Roofing 225 00:10:30.120 --> 00:10:30.720 dot com. 226 00:10:30.759 --> 00:10:32.759 You don't pay a cent until you're content. 227 00:10:36.120 --> 00:10:39.320 Time for an insurance check up, free no obligation comparison 228 00:10:39.440 --> 00:10:43.000 call Compass insurance paying too much your coverage at dozens 229 00:10:43.039 --> 00:10:45.759 of insurance companies. Find out now three oh three seven 230 00:10:45.879 --> 00:10:48.679 seven to one help. You'll think you're his only customer 231 00:10:48.720 --> 00:10:50.960 when you choose Frank durand the real estate man dot 232 00:10:51.000 --> 00:10:54.320 com to list your home with Remax Alliance three oh 233 00:10:54.360 --> 00:10:56.960 three nine two zero sixteen twenty two. 234 00:10:57.279 --> 00:10:59.720 All right, three oh three seven one three A two 235 00:10:59.799 --> 00:11:02.720 five five three oh three Martino, we got three lines 236 00:11:02.799 --> 00:11:04.840 open dying to help you guys out. And by the way, 237 00:11:05.080 --> 00:11:08.039 any questions, I'm going to tell you what. I'm gonna 238 00:11:08.039 --> 00:11:11.200 tell you what Robert Bruce does. Integrity electric Well, that's easy. 239 00:11:11.679 --> 00:11:15.039 You're an electrician. I assume you're a master electrician, not 240 00:11:15.120 --> 00:11:17.919 a what's the air is his mic on? I just 241 00:11:17.960 --> 00:11:21.200 can't tell no, Yeah, go ahead. You're a journey. 242 00:11:21.279 --> 00:11:22.519 Yeah, so I'm a journeyman. 243 00:11:22.600 --> 00:11:25.000 Now, I astucate me really quick. What's the difference? I 244 00:11:25.000 --> 00:11:25.559 don't get it? 245 00:11:26.000 --> 00:11:30.720 Uh, journeymen and masters the biggest differences. Journeyman's do the work. 246 00:11:31.039 --> 00:11:35.639 And the master's pull permit. Yeah, and then train the journeyman. No, No, 247 00:11:35.879 --> 00:11:38.360 you learn all that on the out. So you can't 248 00:11:38.399 --> 00:11:41.200 pull permits or you can I can't, so when you 249 00:11:41.240 --> 00:11:46.440 do like home improvements for people, generally, I assume the 250 00:11:46.519 --> 00:11:49.759 resident or the owner of the properties one pulling the permit. 251 00:11:49.759 --> 00:11:52.120 Or oftentimes you know, if it's just like adding some 252 00:11:52.279 --> 00:11:53.039 lights or a. 253 00:11:52.919 --> 00:11:55.960 Ceiling fan or a ceiling permit needed. 254 00:11:55.960 --> 00:11:58.279 Well technically yes you should. 255 00:11:58.440 --> 00:12:01.600 But even but like just like swapping out a ceiling man, 256 00:12:01.639 --> 00:12:05.399 are you serious if not swapping okay, installing. 257 00:12:04.879 --> 00:12:07.080 Installing a new one where you let's say you've had 258 00:12:07.080 --> 00:12:09.559 to put a box in, Yeah, switch. 259 00:12:09.279 --> 00:12:09.919 In for them? 260 00:12:10.000 --> 00:12:11.919 Yeah, okay, So you should. 261 00:12:12.000 --> 00:12:13.440 Spend that extra hundred dollars. 262 00:12:13.519 --> 00:12:15.399 Well I'm trying to think. Yeah, like a lot of 263 00:12:15.399 --> 00:12:18.080 people don't want to spend that anyhow, and if they 264 00:12:18.120 --> 00:12:21.240 had a I guess, I guess. Really, what it comes 265 00:12:21.279 --> 00:12:23.039 down to is you're supposed to do it to pay 266 00:12:23.039 --> 00:12:25.600 the piper. I mean, really, that's what it comes down to. 267 00:12:25.840 --> 00:12:27.600 Well you all pay that piper. Well, can you really 268 00:12:27.600 --> 00:12:29.840 get in trouble for it? Does that ever happen? Have 269 00:12:29.919 --> 00:12:32.559 you ever heard of someone like not pulling a permit, 270 00:12:32.759 --> 00:12:36.159 like even doing their entire basement, not pulling a permit, 271 00:12:36.240 --> 00:12:39.799 but using actual license plumbers and electricians because you don't 272 00:12:39.840 --> 00:12:42.080 want your house to blow up or burn down or flood. 273 00:12:42.440 --> 00:12:45.159 So I mean, have you ever heard anybody in here 274 00:12:45.200 --> 00:12:48.600 of like the county coming in and actually you know, 275 00:12:48.679 --> 00:12:51.639 smacking you around and assessing what you've done and then 276 00:12:51.759 --> 00:12:52.519 charging you. 277 00:12:52.600 --> 00:12:54.679 Like on a big project like that, they would red 278 00:12:54.720 --> 00:12:56.559 tag it, which means they would. 279 00:12:56.320 --> 00:12:57.960 Just how would they even know it happened. 280 00:12:58.960 --> 00:13:01.879 I've heard stories with people who are inspectors were just 281 00:13:02.200 --> 00:13:05.360 driving around and seeing a job site and stopped in 282 00:13:05.440 --> 00:13:06.039 to say. 283 00:13:05.840 --> 00:13:08.000 Hello, And that's crazy, man. 284 00:13:08.240 --> 00:13:10.600 I think also, and you would be the expert on this, 285 00:13:10.720 --> 00:13:13.879 but I think sometimes neighbors can plain when they hear noise, 286 00:13:14.200 --> 00:13:15.879 you know, construction going on in the basement. 287 00:13:16.080 --> 00:13:17.440 Yeah, turn them in. 288 00:13:17.600 --> 00:13:19.480 They will turn them in and they'll come out. 289 00:13:20.039 --> 00:13:24.279 I can get I built a big RV like garage, 290 00:13:24.360 --> 00:13:26.399 and I mean that would be so evident I had 291 00:13:26.399 --> 00:13:28.840 to pull it. Plus, when you're building a structure like that, 292 00:13:29.320 --> 00:13:31.279 I mean, I want to make sure the inspector comes 293 00:13:31.279 --> 00:13:33.840 out and looks at everything, because I'm dumping a ton 294 00:13:33.879 --> 00:13:34.919 of money into that thing. 295 00:13:35.120 --> 00:13:37.639 But even in basements, even if it's inside, they're still 296 00:13:37.639 --> 00:13:39.559 delivering lumber, they're delivering drywall. 297 00:13:39.759 --> 00:13:42.080 Yeah, might have a lot of evidence art well, our 298 00:13:42.120 --> 00:13:44.360 basement when we bought this house was finished, but the 299 00:13:44.399 --> 00:13:46.879 one we had in Castle Rock I finished over a 300 00:13:47.000 --> 00:13:49.799 very long period of time, like four or five years. 301 00:13:49.840 --> 00:13:52.559 And you know, we did the framing when the guy 302 00:13:52.639 --> 00:13:55.720 next door was building the house. I grabbed the framing crew, 303 00:13:56.159 --> 00:13:59.600 just paid him some cash to come over and you know, 304 00:13:59.799 --> 00:14:03.039 not dad out. Eventually did the drywall, eventually had an 305 00:14:03.080 --> 00:14:05.720 electrician come in. I mean, basically pieced it together in 306 00:14:05.759 --> 00:14:07.919 four or five years. I never pulled a permit on it. 307 00:14:08.320 --> 00:14:10.759 I mean I disclosed that when Frank Durant sold to 308 00:14:10.799 --> 00:14:13.720 the house. But I don't know so but hold on, 309 00:14:13.799 --> 00:14:17.840 Hey Tom, Hey Kelly. Did we get Mackenzie. 310 00:14:18.200 --> 00:14:20.960 He hasn't answered me back yet, so I'm not sure 311 00:14:21.000 --> 00:14:23.440 if he's unavailable or just in a meeting case. 312 00:14:23.480 --> 00:14:28.679 So hey, Tom, two things. One, I texted Salisbury and 313 00:14:28.879 --> 00:14:30.759 I have no idea if I'm going to hear back 314 00:14:30.799 --> 00:14:32.919 from him. I don't even know if he's in the state. 315 00:14:33.440 --> 00:14:35.320 So I'm going to text him. And I got your 316 00:14:35.320 --> 00:14:38.679 first and last name. What would the case be under 317 00:14:38.840 --> 00:14:41.120 or what what would he look it up under your 318 00:14:41.120 --> 00:14:42.480 brother's name or your name? 319 00:14:43.399 --> 00:14:46.759 Yes, it'd be under my brother's name, same last name. 320 00:14:46.919 --> 00:14:53.320 What's your brother's first name, Jeffrey. Jeffrey. I'm going to text. 321 00:14:53.360 --> 00:14:56.720 Earlier it was Elbert County. It's not it's Lincoln County. 322 00:14:56.799 --> 00:14:59.720 It's not Lincoln. Hold on, I'm just making a note here. 323 00:15:00.080 --> 00:15:03.240 So Jeffrey and Lincoln County, and all he has to 324 00:15:03.240 --> 00:15:05.840 do is clothes to just finish up the probate. 325 00:15:06.200 --> 00:15:07.720 Exactly, and it's all paid for it. 326 00:15:07.840 --> 00:15:09.919 Like I said, with Sulisburg, and that's how he did it. 327 00:15:09.960 --> 00:15:12.440 I didn't know that he did flat right. That's kind 328 00:15:12.440 --> 00:15:14.919 of cool, and I'll tell everybody out there what happened. 329 00:15:14.960 --> 00:15:18.039 His mother ended up moving in with him. She's pretty 330 00:15:18.120 --> 00:15:20.480 old and I hope she's okay now. She might have 331 00:15:20.559 --> 00:15:23.559 even passed by now, but it was full time care. 332 00:15:23.600 --> 00:15:25.879 I mean, she was in really bad shape. He was 333 00:15:25.919 --> 00:15:28.919 going to actually do some stuff for Suzanne and I 334 00:15:29.000 --> 00:15:31.799 probably about I don't know. I reached out to him 335 00:15:31.799 --> 00:15:34.440 maybe a year ago. It's been a while, and the 336 00:15:34.440 --> 00:15:37.519 bottom line was he said, I just can't. And I 337 00:15:37.679 --> 00:15:39.440 was kind of shocked because I've known him and he 338 00:15:39.480 --> 00:15:42.919 actually did our original trust. But anyhow, that's kind of 339 00:15:42.960 --> 00:15:46.000 the story. It's not like he's really ghosting anybody, but 340 00:15:46.080 --> 00:15:49.279 his mom's in really really bad shape. If she's still 341 00:15:49.320 --> 00:15:51.720 with us. I think she was in her nineties. I mean, 342 00:15:51.799 --> 00:15:54.080 it's it was a bad deal, But let me see 343 00:15:54.120 --> 00:15:56.360 if I can't get him to do that. If I 344 00:15:56.399 --> 00:15:59.240 can contact him, I'm sure we'll figure something out. Maybe 345 00:15:59.279 --> 00:16:01.799 he can pay somebody else to do it. If you 346 00:16:01.799 --> 00:16:04.360 already paid him. I'm sure we'll get it figured out. 347 00:16:04.480 --> 00:16:06.919 But what I'm worried about is if I can't contact him. 348 00:16:06.919 --> 00:16:09.559 But I think between Susanna and I, we probably have 349 00:16:09.679 --> 00:16:13.039 multiple numbers for him. So we'll try everything and make 350 00:16:13.080 --> 00:16:17.320 sure that Kelly has all your information so I can 351 00:16:17.360 --> 00:16:19.120 reach back out to you as soon as we figure 352 00:16:19.159 --> 00:16:23.000 it out. Good Mark, thank you for me you got him. Man, 353 00:16:23.039 --> 00:16:25.120 Sorry about your brother. You mind if I ask what happened? 354 00:16:25.159 --> 00:16:27.679 Just out of curiosity because you don't sound very old. 355 00:16:28.759 --> 00:16:31.879 Yeah. No, he was a great guy, and I kind 356 00:16:31.879 --> 00:16:34.799 of just a little bit of depression and then basically 357 00:16:34.840 --> 00:16:36.000 just drank himself to death. 358 00:16:36.159 --> 00:16:37.759 Oh man, that's horrible. 359 00:16:38.000 --> 00:16:41.200 Yeah, that's Horrible's six years old and just boom and 360 00:16:41.279 --> 00:16:43.240 I long long story, but. 361 00:16:43.519 --> 00:16:46.159 Yeah, sure, that's that's really sad. Man, I had a 362 00:16:46.200 --> 00:16:50.840 buddy like that. God rest his soul. Larry and the 363 00:16:50.879 --> 00:16:53.360 guy just couldn't stop drinking. I saw him drink so 364 00:16:53.480 --> 00:16:56.240 much one night I called his mother over. I was 365 00:16:56.279 --> 00:16:59.960 at his house helping him with a computer problem, and 366 00:17:00.159 --> 00:17:02.799 this guy drank so much. I looked at him when 367 00:17:02.840 --> 00:17:04.559 I got over there, I was like, dude, something's wrong 368 00:17:04.599 --> 00:17:07.720 with you. You're yellow, man, You're like totally yellow. And 369 00:17:07.759 --> 00:17:10.279 he was in jaundice. And I didn't know what to do. 370 00:17:10.359 --> 00:17:13.359 I mean, Larry at the time was sixty, I was 371 00:17:13.440 --> 00:17:17.720 probably kad I was probably maybe thirty. And I called 372 00:17:17.759 --> 00:17:20.200 his mother. I mean, he wasn't going to do anything, 373 00:17:20.240 --> 00:17:22.519 and he looked like death, and I called his mother. 374 00:17:22.640 --> 00:17:25.119 His mother came over, took him to the hospital. Sure enough, 375 00:17:25.119 --> 00:17:28.200 he was in full blown liver failure. And they got 376 00:17:28.240 --> 00:17:31.440 him to the hospital. And you know, when you're an 377 00:17:31.440 --> 00:17:34.880 alcoholic like that, they don't put you on the liver list. 378 00:17:35.480 --> 00:17:37.079 So this is kind of a sad story. 379 00:17:37.119 --> 00:17:37.279 Man. 380 00:17:37.440 --> 00:17:39.359 I'm not even sure why I'm telling you, but I am. 381 00:17:39.519 --> 00:17:42.240 I'll tell you why I'm telling it. So people out there, 382 00:17:42.319 --> 00:17:44.640 if they see the signs or if they're actually dealing 383 00:17:44.680 --> 00:17:47.319 with it. I mean, it's a real deal, man. So 384 00:17:47.359 --> 00:17:50.200 he turned yellow, goes to the hospital and he kind 385 00:17:50.200 --> 00:17:54.359 of rehabbed and went dry for like, I want to say, 386 00:17:54.400 --> 00:17:57.359 a couple months. I mean he really did, and he 387 00:17:57.440 --> 00:18:00.960 quit drinking. And I think he was smoking pot still, 388 00:18:01.000 --> 00:18:03.200 but I don't think that messages with your liver, not 389 00:18:03.319 --> 00:18:06.920 like alcohol. But the bottom line was he got back 390 00:18:06.960 --> 00:18:09.480 on it, man, and he was drinking a leader, not 391 00:18:09.559 --> 00:18:13.839 even a fifth a leader of vodka a day. I 392 00:18:13.839 --> 00:18:16.480 mean like three or four shots. I can't walk, But 393 00:18:16.640 --> 00:18:20.000 I mean think of like, what is that? Almost like community? 394 00:18:20.039 --> 00:18:23.079 You build up on it. And he was drinking that much. 395 00:18:24.000 --> 00:18:26.720 And then he quit again. And the second time you quit, 396 00:18:26.759 --> 00:18:29.519 he quit for a year. And that was really impressive. 397 00:18:29.519 --> 00:18:31.720 And I've known Larry forever. He was like a brother 398 00:18:31.799 --> 00:18:34.000 to me, and I thought, Wow, this guy's really going 399 00:18:34.079 --> 00:18:36.240 to get through it. After he was a year or 400 00:18:36.319 --> 00:18:39.359 maybe it was two years sober and he had the test, 401 00:18:39.559 --> 00:18:41.720 they put him on the liver list. Oh the other 402 00:18:41.759 --> 00:18:45.319 thing he had was HEPC. He got hep C, the 403 00:18:45.359 --> 00:18:48.119 only him in about eight other guys that were going 404 00:18:48.160 --> 00:18:52.200 to NOM. I guess back then, when they basically brought 405 00:18:52.200 --> 00:18:54.440 you to boot camp, they'd line you up in front 406 00:18:54.480 --> 00:18:56.839 of the bus and they'd stick you with the needle 407 00:18:56.880 --> 00:19:00.000 for whatever that needle's for. And apparently five or cents 408 00:19:00.599 --> 00:19:03.279 in his platoon all got hep C and they all 409 00:19:03.359 --> 00:19:05.319 think it was from that. So when you have f 410 00:19:05.400 --> 00:19:07.960 C and you're drinking, I mean, that's the double whammie. 411 00:19:08.359 --> 00:19:11.160 But anyhow, you're done, Yeah, you're done. He got on 412 00:19:11.200 --> 00:19:14.079 the liver list, Tom He literally got on this liver list, 413 00:19:14.799 --> 00:19:17.599 and he waited years, and you know, you're not at 414 00:19:17.640 --> 00:19:20.279 the top of the list. But he moved to Tennessee 415 00:19:20.799 --> 00:19:23.799 and he gets a call out of state and he 416 00:19:23.839 --> 00:19:26.279 had to drive I forget to what state, maybe it 417 00:19:26.319 --> 00:19:30.240 was North Carolina, and they got a liver for him. 418 00:19:30.680 --> 00:19:32.960 And he's telling me this, and he's telling his family 419 00:19:33.000 --> 00:19:35.480 here who I know, and he starts leaving to go 420 00:19:35.519 --> 00:19:37.880 get the liver. This is the saddest thing I ever heard. 421 00:19:38.079 --> 00:19:40.559 I have no idea what's going on, why it happened. 422 00:19:40.960 --> 00:19:44.640 I get a call from some county in North Carolina 423 00:19:44.720 --> 00:19:49.079 or whatever state he was heading to, and he got 424 00:19:49.200 --> 00:19:52.400 drunk at a bar and got a DUI on the 425 00:19:52.440 --> 00:19:55.519 way to get It's almost like unbelievable. It's almost like 426 00:19:56.039 --> 00:19:59.720 he didn't want to get it. I mean, there's something 427 00:19:59.759 --> 00:20:02.519 because because he was sober for so long, and then 428 00:20:02.599 --> 00:20:05.160 all of a sudden, when he was heading there to 429 00:20:05.279 --> 00:20:07.759 make sure the match and make sure everything was perfect, 430 00:20:08.480 --> 00:20:10.880 he literally got drunk and got a dui. It was 431 00:20:10.920 --> 00:20:14.160 saddest thing ever. And then he died. About God, he 432 00:20:14.240 --> 00:20:16.880 died maybe four or five months later. Like your like 433 00:20:16.960 --> 00:20:20.240 your brother, uh did just basically drank himself to death. 434 00:20:20.279 --> 00:20:20.559 Tom. 435 00:20:20.599 --> 00:20:25.079 Sorry to bring up that bummer story, but anybody out there, Yeah, 436 00:20:25.200 --> 00:20:28.880 if you know anybody's struggling, I don't know how you intervene. 437 00:20:28.960 --> 00:20:31.799 I mean, really it's probably it sounds easy to do, 438 00:20:31.920 --> 00:20:34.359 but I tried to kind of help Larry. And the 439 00:20:34.880 --> 00:20:37.480 weird part about Larry was he was sober for so 440 00:20:37.640 --> 00:20:40.960 long and then when everything was coming together, he like 441 00:20:41.039 --> 00:20:43.720 started drinking. Not only drinking, he got a dui on 442 00:20:43.799 --> 00:20:47.200 the way to get it. It's crazy. We got lines 443 00:20:47.240 --> 00:20:51.000 open three oh three seven, one three eight, two five five. 444 00:20:56.160 --> 00:20:59.440 Go with a sure thing Denver's Best roofer Excel roofing 445 00:20:59.519 --> 00:21:02.160 dot com. You don't pay a cent until you're content. 446 00:21:05.519 --> 00:21:08.720 Time for an insurance check up free, no obligation. In comparison, 447 00:21:08.839 --> 00:21:12.440 call compass insurance paying too much your coverage at dozens 448 00:21:12.440 --> 00:21:15.160 of insurance companies find out now three oh three, seven 449 00:21:15.200 --> 00:21:17.519 to seven to one help. You'll think you're his only 450 00:21:17.599 --> 00:21:20.079 customer when you choose Frank durand the real estate man 451 00:21:20.119 --> 00:21:23.519 dot com to list your home with Remax Alliance three 452 00:21:23.599 --> 00:21:26.359 oh three nine two zero sixteen twenty two. 453 00:21:27.079 --> 00:21:29.720 All right, three oh three seven one three eight two 454 00:21:29.880 --> 00:21:32.240 five five, we got lines open. You have any questions 455 00:21:32.240 --> 00:21:35.400 you've been ripped off, taking advantage of whatever help you need. 456 00:21:35.440 --> 00:21:37.759 We can also get one of our attorneys on if needed. 457 00:21:38.000 --> 00:21:42.319 Let's talk insurance, Brian number one, how much your rate's 458 00:21:42.359 --> 00:21:44.440 going up this year on homes? Are you seeing it 459 00:21:44.440 --> 00:21:47.640 pretty flat or for the first time in a while. 460 00:21:47.559 --> 00:21:51.079 First time in a while, I'm seeing much less increases 461 00:21:51.119 --> 00:21:53.519 in rates and that. And really it's not because they've 462 00:21:53.519 --> 00:21:56.279 taken less losses because they had a terrible loss here 463 00:21:56.359 --> 00:21:59.279 last year. It's because you're seeing that the policies are 464 00:21:59.279 --> 00:22:03.079 being adjusted to take out coverage for hal It's worse insurance. 465 00:22:03.200 --> 00:22:06.799 It's worse insurance. It's it's it's starting to shift more 466 00:22:06.839 --> 00:22:12.720 of the responsibility of hail claims and win claims onto people, 467 00:22:12.799 --> 00:22:13.759 onto the consumers. 468 00:22:13.839 --> 00:22:15.960 So people at this point, like I did, you'd be 469 00:22:16.000 --> 00:22:19.319 smart to get truly a hailproof roof. Absolutely, because it's 470 00:22:19.359 --> 00:22:21.839 to the point where I mean, is almost all the 471 00:22:21.880 --> 00:22:24.119 policies ACV now or what are they? 472 00:22:24.240 --> 00:22:26.680 Not all of them, but I would say the bulk 473 00:22:26.720 --> 00:22:30.240 of them, after a roof hits ten years in age, 474 00:22:30.319 --> 00:22:34.440 will go to ACV almost all, not every single carrier, 475 00:22:34.440 --> 00:22:36.000 but there is the bulk of them. 476 00:22:36.079 --> 00:22:38.160 Do so even if you ever play I post who 477 00:22:38.160 --> 00:22:38.960 do I have Safeco? 478 00:22:39.079 --> 00:22:39.240 Three? 479 00:22:39.319 --> 00:22:42.440 You you have safeg and Safeco on a new policy 480 00:22:43.200 --> 00:22:45.799 they give that option. Now you're not you're kind of 481 00:22:45.799 --> 00:22:48.359 grandfathered in where you have replacement cost on your roof. 482 00:22:48.400 --> 00:22:52.079 It doesn't expire. Yeah, but they are one that would 483 00:22:52.119 --> 00:22:55.799 convert to ACV on new policies ten years at ten 484 00:22:55.880 --> 00:22:59.519 years yeah, so actual cash value so at the time 485 00:22:59.519 --> 00:23:04.000 of law, your your settlement would be would have depreciation 486 00:23:04.119 --> 00:23:06.079 in there. So they're go only going to give you 487 00:23:06.119 --> 00:23:08.000 the value of the roof at the time of loss. 488 00:23:08.000 --> 00:23:10.960 So the roof is ten years old, it's an asphalt roof, 489 00:23:11.039 --> 00:23:14.200 that's probably about half the life. They're going to only 490 00:23:14.200 --> 00:23:16.519 give you a fifty percent or you know, whatever that 491 00:23:16.599 --> 00:23:17.559 personation is. 492 00:23:17.599 --> 00:23:20.480 Doing is after the ten years yeah. 493 00:23:20.920 --> 00:23:21.079 Two. 494 00:23:21.160 --> 00:23:23.119 So in other words, you can teen years you get 495 00:23:23.160 --> 00:23:24.039 full replacement. 496 00:23:24.119 --> 00:23:26.960 You can you can also choose to pay ACV right 497 00:23:27.000 --> 00:23:29.599 away if you wanted, but they will allow you to 498 00:23:29.640 --> 00:23:33.440 have ten years where it's replacement cost, and then on 499 00:23:33.519 --> 00:23:37.519 the renewal following the tenth year of your roof, it 500 00:23:37.599 --> 00:23:38.640 will go to ACV. 501 00:23:39.160 --> 00:23:41.920 I got it at that point, and you know, basically, 502 00:23:41.960 --> 00:23:44.079 if the roof's twenty grand, you're going to get ten grand. 503 00:23:44.079 --> 00:23:45.200 It's a ten year mark. 504 00:23:45.279 --> 00:23:48.720 Not just that ten. And then you're subject to your deductible. Yeah, 505 00:23:48.720 --> 00:23:51.680 of course, so you might have another five thousand deductible 506 00:23:51.759 --> 00:23:54.759 or whatever it might be. So you're again that's the 507 00:23:54.759 --> 00:23:57.119 reason you're going to see the rates on the home 508 00:23:57.119 --> 00:23:59.119 insurance starting to come down and call right. 509 00:23:58.960 --> 00:24:01.640 We add one one guy that called up and his 510 00:24:01.920 --> 00:24:05.200 was I think it was three percent of the dwelling yep, 511 00:24:05.519 --> 00:24:06.480 which is crazy. 512 00:24:06.519 --> 00:24:09.319 That's abnormal. That's abnormally high. But I do see two 513 00:24:09.319 --> 00:24:13.119 percent regularly now I see it now. One percent is 514 00:24:13.200 --> 00:24:13.839 the norm. 515 00:24:14.160 --> 00:24:16.160 So you could have though, but think about that if 516 00:24:16.160 --> 00:24:18.559 you got a million dollar house or what's the average 517 00:24:18.559 --> 00:24:20.759 I think Frank Durant told me they average like seven 518 00:24:20.880 --> 00:24:23.519 hundred around here. Yeah, so seven hundred to two percent 519 00:24:23.559 --> 00:24:28.319 You've got a fourteen thousand dollars deductible on wind in Hal, 520 00:24:28.519 --> 00:24:28.920 that's right. 521 00:24:29.000 --> 00:24:31.279 So if you have a roof claim that's covered, you're 522 00:24:31.319 --> 00:24:33.160 going to be out that first fourteen thousand. 523 00:24:33.359 --> 00:24:35.720 So what I did with you, guys, if I recall 524 00:24:35.799 --> 00:24:38.519 my deductible, I think on wind in Hal is like 525 00:24:38.640 --> 00:24:42.839 five thousand and you know, instead of one thousand. But 526 00:24:42.880 --> 00:24:45.039 I got a hailproof roof, so I'm really not worried 527 00:24:45.079 --> 00:24:47.599 about it. In fact, my deductible might even. 528 00:24:47.440 --> 00:24:49.720 Be tiger than that. You used to be five. And 529 00:24:49.759 --> 00:24:51.599 then once you got the roof, we talked to him. 530 00:24:51.640 --> 00:24:54.279 You're like, why wouldn't I increase it and saved the money. 531 00:24:54.319 --> 00:24:57.440 It could even be like fourteen thousand now, and it 532 00:24:57.559 --> 00:25:00.880 brought the policy down quite a bit. And I'm really 533 00:25:01.000 --> 00:25:04.720 just not worried about hail damage. I truly am not. 534 00:25:04.920 --> 00:25:07.079 I mean I even did the barn with that stuff. 535 00:25:07.200 --> 00:25:09.160 Yeah, and that's what you're going to start seeing. It's 536 00:25:09.200 --> 00:25:12.640 going to start to pay off to get a more 537 00:25:12.640 --> 00:25:16.200 expensive roof, but one that is not subject to hall damage. 538 00:25:16.319 --> 00:25:19.359 Really, insurance has gone up, but if the price hasn't 539 00:25:19.400 --> 00:25:21.039 gone up, the coverage has gone down. 540 00:25:21.119 --> 00:25:21.319 Yep. 541 00:25:21.519 --> 00:25:23.359 So really it has adjusted again. 542 00:25:23.519 --> 00:25:25.720 Yeah, so you're not going to see it in the 543 00:25:25.759 --> 00:25:28.440 form of rate increases as much is what I'll see it. 544 00:25:28.440 --> 00:25:30.559 And I actually it feel like insurance, you're going to 545 00:25:30.640 --> 00:25:32.519 see it where you're going to have to be more 546 00:25:32.559 --> 00:25:35.039 responsible for the payout in the case of a lot. 547 00:25:35.160 --> 00:25:38.400 How about automotive? How about you know, driving insurance? How 548 00:25:38.440 --> 00:25:39.480 about auto insurance? 549 00:25:39.519 --> 00:25:42.839 So far, most carriers I've seen are flat on rate, 550 00:25:43.039 --> 00:25:46.200 if not one to two percent rate increases on the auto. 551 00:25:46.240 --> 00:25:48.480 So you're not seeing a huge increase on auto right now? 552 00:25:48.559 --> 00:25:51.359 Who's your go to on auto? 553 00:25:51.440 --> 00:25:54.960 Now? I realize, like with me, we have Safeco for 554 00:25:55.079 --> 00:25:57.599 the home and then when you bundle it with the auto, 555 00:25:57.680 --> 00:26:01.079 it's the cheapest overall for you for the coverage. Yeah. 556 00:26:01.160 --> 00:26:06.839 But like just Progressive for example, do they do they 557 00:26:06.839 --> 00:26:08.599 don't do homeowners do they? They do? 558 00:26:08.680 --> 00:26:11.200 But they have put a pause on homeowners over the 559 00:26:11.279 --> 00:26:15.279 last probably almost years in the entire coast in Colorado. 560 00:26:15.400 --> 00:26:19.079 In Colorado, Colorado. Yeah, so in Colorado they'll start writing again. 561 00:26:19.119 --> 00:26:20.720 But they're one that's going to have a two percent 562 00:26:20.759 --> 00:26:24.000 wind hail right away, got it. So, But as far 563 00:26:24.039 --> 00:26:27.799 as auto, here's the problem. It depends on the risk 564 00:26:27.960 --> 00:26:30.240 if you have young drivers. If you have teenage drivers, 565 00:26:30.279 --> 00:26:32.319 I would have a different place to go than if 566 00:26:32.319 --> 00:26:35.519 you didn't, or if you are over fifty five, there's 567 00:26:35.599 --> 00:26:39.480 carriers that will have much better auto rates than other carriers. 568 00:26:39.640 --> 00:26:43.240 How about how about in general? I know everything's different, 569 00:26:43.599 --> 00:26:48.319 but in general, someone that just has auto insurance, Yeah, 570 00:26:48.359 --> 00:26:51.079 who's your go to? Is it like Progressive? Is it Safeco? 571 00:26:51.440 --> 00:26:55.039 Right now, I would say who's pretty aggressively priced for 572 00:26:55.119 --> 00:26:59.000 standalone auto would be Travelers. Travelers, and that wasn't always 573 00:26:59.000 --> 00:27:01.680 the case, but now they are. They have really good rates. 574 00:27:01.680 --> 00:27:04.839 They're really pushing to get auto insurance. But I will 575 00:27:04.839 --> 00:27:06.240 tell you the other thing is a lot of these 576 00:27:06.279 --> 00:27:11.880 carriers now, including Progressive, push the telematics. Oh my god, 577 00:27:11.880 --> 00:27:14.039 I have to do it or else your rape it 578 00:27:14.119 --> 00:27:15.119 just goes up so much. 579 00:27:15.279 --> 00:27:20.240 I'm going to tell you why I refuse to use that. 580 00:27:20.680 --> 00:27:23.240 And we did use it one year with our son. 581 00:27:23.759 --> 00:27:26.799 You still have you have a discount for when you 582 00:27:26.839 --> 00:27:29.200 did participate. You guys still have a discount. 583 00:27:29.400 --> 00:27:31.880 I'm going to tell you now. First of all, I'm 584 00:27:31.920 --> 00:27:36.200 talking about my son. Yeah, and we had it on 585 00:27:36.240 --> 00:27:40.599 his and it was through you guys couldn't get him 586 00:27:41.279 --> 00:27:46.079 progressive in his state, Nebraska, and he ended up getting. 587 00:27:46.119 --> 00:27:48.200 For the life of me, I can't remember who it is. 588 00:27:48.319 --> 00:27:50.240 I'm going to figure it out over break, but I'm 589 00:27:50.240 --> 00:27:54.519 going to tell everybody out there why I would never, ever, 590 00:27:55.000 --> 00:27:58.519 ever put one of those devices that plug into your car, 591 00:27:58.920 --> 00:28:01.680 or if it's built into your phone in n phone apps. 592 00:28:02.000 --> 00:28:04.599 I don't care. This was not at the time. This 593 00:28:04.839 --> 00:28:07.119 was not at the time. Hold on three oh three 594 00:28:07.279 --> 00:28:08.559 seven one three talk. 595 00:28:13.119 --> 00:28:16.359 Go with a sure thing Denver's best roofer Excel Roofing 596 00:28:16.480 --> 00:28:17.079 dot com. 597 00:28:17.119 --> 00:28:19.119 You don't pay a cent until you're content. 598 00:28:22.519 --> 00:28:25.680 Time for an insurance check up, free no obligation comparison 599 00:28:25.839 --> 00:28:29.400 call Compass Insurance paying too much your coverage at dozens 600 00:28:29.400 --> 00:28:32.119 of insurance companies. Find out now three oh three seven 601 00:28:32.240 --> 00:28:35.039 seven to one help. You'll think you're his only customer 602 00:28:35.079 --> 00:28:37.319 when you choose Frank durand the real estate Man dot 603 00:28:37.359 --> 00:28:38.599 com to list your. 604 00:28:38.440 --> 00:28:40.119 Home with Remax Alliance. 605 00:28:40.359 --> 00:28:44.319 Three oh three nine two zero sixteen twenty two. 606 00:28:44.680 --> 00:28:47.000 All right, three oh three seven one three A two 607 00:28:47.119 --> 00:28:49.920 five five. I think we got YouTube up. I'll check 608 00:28:49.960 --> 00:28:52.799 over the break. I'm not sure, but three oh three Martino, 609 00:28:52.920 --> 00:28:54.880 but we had YEP, I'm told it is up. So 610 00:28:54.960 --> 00:28:57.400 if you go to YouTube, you can type in Troubleshooter 611 00:28:57.440 --> 00:28:59.799 Network and kind of watch the show and listen behind 612 00:28:59.799 --> 00:29:03.359 this we were talking about. Actually, Brian, I was going 613 00:29:03.440 --> 00:29:08.319 to tell you it was one hundred percent progressive snapshot, okay, 614 00:29:08.799 --> 00:29:11.599 And what happened was is probably when our kids were younger, 615 00:29:11.680 --> 00:29:15.680 we had it, and our insurance was going to almost double, 616 00:29:16.359 --> 00:29:19.759 almost double after the first six months we did it. 617 00:29:20.079 --> 00:29:22.680 You get a discount for doing it. But when they 618 00:29:22.720 --> 00:29:27.119 pulled the data, my son would do so much hard 619 00:29:27.200 --> 00:29:29.839 breaking it was crazy. He drove like a maniac. I mean, 620 00:29:30.000 --> 00:29:32.200 call it what it is. But the argument would be 621 00:29:32.240 --> 00:29:35.039 he never got into an accident. There wasn't one accident, 622 00:29:35.279 --> 00:29:37.839 and I don't mean ever he did get into an 623 00:29:37.880 --> 00:29:41.359 accident when he was sixteen or whatever, but ever since 624 00:29:41.400 --> 00:29:44.960 then he was not in accidents. But he's a fast breaker, 625 00:29:45.039 --> 00:29:47.400 is the biggest thing. So I guess they think you're 626 00:29:47.480 --> 00:29:51.640 following too close all the time. What the track mostly Yeah, No, 627 00:29:51.720 --> 00:29:55.640 you're exactly right. It's heart breaks. It's that quick acceleration, acceleration. 628 00:29:55.839 --> 00:29:58.319 It's a time of day driving. So if you're you're 629 00:29:58.599 --> 00:30:01.680 consistently driving it one too you see that he worked 630 00:30:01.680 --> 00:30:04.960 at Walmart and he'd get off work sometimes at midnight. 631 00:30:05.039 --> 00:30:07.559 No problem, I mean that was not like unheard of. 632 00:30:07.559 --> 00:30:10.079 But that will affect you. And then speeding, But. 633 00:30:10.279 --> 00:30:13.920 How about just distance, like how much you drive per year? Yeah? 634 00:30:14.000 --> 00:30:16.839 Oh yeah, absolutely, that's massive. Yep, the amount of miles 635 00:30:16.880 --> 00:30:17.519 you're driving sea. 636 00:30:17.680 --> 00:30:20.039 And here's where my whole argument with this stuff is, 637 00:30:20.279 --> 00:30:22.839 so one of our cars we drive all the time 638 00:30:22.880 --> 00:30:25.519 because Suzanna and I are generally together, either here at 639 00:30:25.559 --> 00:30:28.720 the show or wherever. I mean, we're basically empty nesters. 640 00:30:28.759 --> 00:30:31.039 We're together all the time and always have been. So 641 00:30:31.119 --> 00:30:34.680 we usually have one car. That one car might have 642 00:30:35.079 --> 00:30:38.440 thirty thousand miles on it, but our other car might 643 00:30:38.480 --> 00:30:40.720 only get two thousand miles on it for that year. 644 00:30:41.079 --> 00:30:44.200 And I still pay based upon that high car. It's 645 00:30:44.240 --> 00:30:46.400 not like they care that the other car only does 646 00:30:46.440 --> 00:30:49.920 two thousand. So snapshot killed us on driving, and it 647 00:30:50.039 --> 00:30:53.400 really killed us with miles. But when Progressive went to 648 00:30:53.839 --> 00:30:59.559 renew that damn thing, it almost doubled, almost doubled because 649 00:30:59.559 --> 00:31:01.519 of that, never got into an accident. I mean, do 650 00:31:01.599 --> 00:31:03.799 you think that's fair. Well, here's what I would tell 651 00:31:03.960 --> 00:31:06.920 people to drive. The speed limit but they're eighty five 652 00:31:07.000 --> 00:31:09.839 years old and they run into stuff all the time, right, 653 00:31:09.960 --> 00:31:13.640 So it's you're still penalized based off of accidents way 654 00:31:13.640 --> 00:31:15.519 more than you are on the on the telematics. 655 00:31:15.559 --> 00:31:18.400 But the idea behind it is it's it's all based 656 00:31:18.440 --> 00:31:22.119 off of actuarials and statistical data. So they will be 657 00:31:22.160 --> 00:31:27.039 able to show you, prove to you that most of 658 00:31:27.079 --> 00:31:29.759 the time people that have those hard breaks are going 659 00:31:29.799 --> 00:31:32.359 to get an accident. It's far more than people that don't. 660 00:31:32.680 --> 00:31:35.480 So that's that's the reason that information is used. That's 661 00:31:35.480 --> 00:31:38.079 the reason they use that as a determining factor of 662 00:31:38.160 --> 00:31:40.680 the race. It's actual numbers, it's not it's not like 663 00:31:40.720 --> 00:31:43.519 a picking on someone because of that. It's yeah, but 664 00:31:44.480 --> 00:31:46.920 I like that, But then there's also going to be 665 00:31:47.359 --> 00:31:49.480 you know, the rate is also determined based off of 666 00:31:49.519 --> 00:31:53.720 people's tickets and accidents, so it's not just one thing 667 00:31:53.759 --> 00:31:56.160 that's being figured. This is just another way where people 668 00:31:56.240 --> 00:31:59.039 have have come through the years, and I've heard it 669 00:31:59.079 --> 00:32:01.680 many many times, it's like, why don't you charge me? 670 00:32:02.240 --> 00:32:04.000 Why am I having to pay for someone else that's 671 00:32:04.079 --> 00:32:04.680 driving around that? 672 00:32:04.720 --> 00:32:09.279 Because this really if everybody did it, everybody participated, then 673 00:32:09.279 --> 00:32:12.240 you're going to get a rudy system. 674 00:32:12.319 --> 00:32:16.279 Yeah, and so it's still voluntary, voluntary, but I am 675 00:32:16.319 --> 00:32:18.920 telling you there are carriers that will in the future, 676 00:32:18.960 --> 00:32:22.359 I believe, not allow it. Otherwise, like you either are 677 00:32:22.359 --> 00:32:24.720 going to take this on. You're either going to do 678 00:32:24.759 --> 00:32:26.799 the telematic or we're not going to assure you, and 679 00:32:26.799 --> 00:32:27.920 then you find somewhere else to go. 680 00:32:28.000 --> 00:32:30.400 With Tesla, I looked at their insurance because they have 681 00:32:30.480 --> 00:32:32.599 their own coverage. I don't even know who it's through 682 00:32:32.640 --> 00:32:33.079 to yours. 683 00:32:33.559 --> 00:32:35.359 It might be their own stuff. Yeah, it could be 684 00:32:35.359 --> 00:32:36.759 it's a trillion dollar yeah. 685 00:32:36.839 --> 00:32:41.839 Yeah, So that's really crazy because they look at your driving. 686 00:32:41.880 --> 00:32:43.799 They just pull all the data from that car when 687 00:32:43.799 --> 00:32:46.480 they're looking at you, and they can pull it from 688 00:32:46.559 --> 00:32:51.559 day one that car was born. Yep. And that's not good. 689 00:32:51.839 --> 00:32:54.839 That's not good because when I first got that car, 690 00:32:55.200 --> 00:32:57.480 you know, when you first get a fast car, let's 691 00:32:57.519 --> 00:33:00.519 just say it, you drive it fast. Of course, it 692 00:33:00.599 --> 00:33:04.279 came back so high like it was ridiculous. I mean, 693 00:33:04.319 --> 00:33:06.599 there was no way I could get that coverage. 694 00:33:06.680 --> 00:33:07.039 It was. 695 00:33:07.200 --> 00:33:09.920 It was more than twice what you guys got me 696 00:33:10.039 --> 00:33:12.039 through Safego or whoever I had back then. 697 00:33:12.119 --> 00:33:16.559 But I bet you on those people that do truly 698 00:33:16.599 --> 00:33:19.160 go the speed limit, that drive very carefully with Tesla, 699 00:33:19.240 --> 00:33:21.160 I bet their rates are untouchable. 700 00:33:21.200 --> 00:33:23.680 I'll tell you this. In the last I don't know, 701 00:33:23.759 --> 00:33:25.839 six seven months, all I used for the most parts 702 00:33:25.880 --> 00:33:28.960 auto drive. Yeah, so it's driving. I wonder how they 703 00:33:29.000 --> 00:33:31.319 look at that, Like, do they look at someone that 704 00:33:31.880 --> 00:33:35.200 uses that eighty percent of the time is a very low, low. 705 00:33:34.960 --> 00:33:37.640 Low lane rich they do, I guarantee, because the otherwise, 706 00:33:37.680 --> 00:33:39.400 I mean, that's the whole idea behind it is that 707 00:33:39.440 --> 00:33:43.759 they're saying, having the computer drive the car is much safer, 708 00:33:43.880 --> 00:33:46.480 race safer than a person, and so if you're using 709 00:33:46.519 --> 00:33:49.000 it all the time, they would use that as part 710 00:33:49.039 --> 00:33:49.640 of the formula. 711 00:33:49.720 --> 00:33:52.640 It is so much safer once you once your brain 712 00:33:52.720 --> 00:33:55.920 accepts what's going on, it is so much safer. It's crazy. 713 00:33:56.000 --> 00:33:58.400 You've ever been like in a lane and you want 714 00:33:58.440 --> 00:34:00.920 to you're lik in the left lane, the far left, 715 00:34:00.920 --> 00:34:02.720 and you want to go to the middle lane, and 716 00:34:02.799 --> 00:34:05.079 someone in the right lane is going at the same time. 717 00:34:05.359 --> 00:34:08.119 I mean, the cars looking every direction at every second. 718 00:34:08.400 --> 00:34:11.039 We're a human, you've got to really look around and stuff. 719 00:34:11.079 --> 00:34:13.920 I mean, it's it's really remarkable what it does. 720 00:34:14.280 --> 00:34:17.519 I might retry that. Actually, yeah, now that you have that, 721 00:34:17.639 --> 00:34:20.159 it probably would. And that brings up a really good point, 722 00:34:20.159 --> 00:34:22.320 as I was able at this break to pull up 723 00:34:22.360 --> 00:34:23.000 your policy. 724 00:34:23.159 --> 00:34:28.159 Yeah, and you got the better driving. There's three drivers 725 00:34:28.199 --> 00:34:32.880 on your daughter. Yep, you're graduating law school tomorrow. She 726 00:34:33.199 --> 00:34:38.480 better not be speeding. My wife, who has gone to 727 00:34:38.559 --> 00:34:42.199 traffic school so many times I can't count, and myself. 728 00:34:42.800 --> 00:34:45.280 So you're gonna tell us who the high risk is. 729 00:34:45.400 --> 00:34:48.039 I'm going to who's got the well, no, not right now. 730 00:34:48.559 --> 00:34:51.039 We're going to take a break and then after the 731 00:34:51.079 --> 00:34:54.280 break and my money, my money is on my daughter 732 00:34:54.320 --> 00:34:58.840 and my wife because I am accident free for fifteen years, 733 00:34:59.159 --> 00:35:01.800 I have not I have one accident. I have not 734 00:35:02.000 --> 00:35:05.519 had one accident for over fifteen years. 735 00:35:05.920 --> 00:35:09.199 Go with a sure thing Denver's Best Roofer Excel Roofing 736 00:35:09.280 --> 00:35:09.880 dot com. 737 00:35:09.920 --> 00:35:14.000 You don't pay a cent until you're content, wait. 738 00:35:15.320 --> 00:35:18.519 Time for an insurance check up, free, no obligation comparison 739 00:35:18.639 --> 00:35:22.199 call Compass insurance paying too much your coverage at dozens 740 00:35:22.199 --> 00:35:24.920 of insurance companies find out now three all three seven 741 00:35:25.039 --> 00:35:27.840 seven to one help. You'll think you're his only customer 742 00:35:27.880 --> 00:35:30.159 when you choose Frank durand the real estate man dot 743 00:35:30.159 --> 00:35:33.480 Com to list your home with Remax Alliance three oh 744 00:35:33.519 --> 00:35:35.480 three nine two zero sixteen twenty two. 745 00:35:40.920 --> 00:35:41.440 Ripped of. 746 00:35:43.199 --> 00:35:46.239 News need so you don't have. 747 00:35:48.880 --> 00:35:50.880 Run as fast as we can. 748 00:35:51.679 --> 00:35:54.119 Shooter's gonna help come. 749 00:35:55.639 --> 00:36:03.039 This is the Troubleshooter Show. No Tom Martinez, Welcome to 750 00:36:03.079 --> 00:36:04.519 the only show off this guy. 751 00:36:04.519 --> 00:36:07.639 We're here to solve problems, answer questions, take complaints, if 752 00:36:07.679 --> 00:36:10.440 you've been ripped off, if you need help in any 753 00:36:10.519 --> 00:36:12.679 which way. That is what this show does. We have 754 00:36:12.800 --> 00:36:17.639 recovered over three hundred million dollars in cash, merchandise, exchanges 755 00:36:17.960 --> 00:36:20.960 and refunds directly due to the show over the years. 756 00:36:21.280 --> 00:36:25.079 And today we're talking insurance with Brian Burn's Compass Insurance. 757 00:36:25.079 --> 00:36:27.639 In fact, I should have done this last hour. If 758 00:36:27.679 --> 00:36:31.679 you have not had your insurance looked at, There's a 759 00:36:31.719 --> 00:36:34.400 couple things. It's very important. One I'd say make sure 760 00:36:34.440 --> 00:36:37.039 you have the proper coverage. Brian. You know you might 761 00:36:37.079 --> 00:36:39.519 be over insured, you might be under insured. Now, most 762 00:36:39.599 --> 00:36:42.559 people are never really over insured, are they. 763 00:36:42.639 --> 00:36:45.559 I mean, is it possible, Yeah, I mean it's possible 764 00:36:45.599 --> 00:36:48.159 on a home insurance policy to be over insured if 765 00:36:48.159 --> 00:36:51.159 they have have had you know, that inflationary increase through 766 00:36:51.199 --> 00:36:55.519 the years, and you know that it's exceeded. But it's abnormal. 767 00:36:55.559 --> 00:36:57.000 I agree with you, it's not very common. 768 00:36:57.119 --> 00:36:59.960 So people call up, Actually, what number do you want 769 00:36:59.960 --> 00:37:01.039 to give out Brian for it? 770 00:37:01.119 --> 00:37:03.559 Yeah, the three three. 771 00:37:04.199 --> 00:37:06.079 So if you call these guys up, they're going to 772 00:37:06.119 --> 00:37:08.440 ask for your deck page, your current one. They're going 773 00:37:08.519 --> 00:37:12.679 to shop it with up to thirty different companies, and 774 00:37:13.039 --> 00:37:15.239 they're going to make sure you have the proper coverage, 775 00:37:15.239 --> 00:37:17.599 which is very important. What I mean by that is 776 00:37:17.599 --> 00:37:20.039 is your house undervalued? In other words, if it burns 777 00:37:20.079 --> 00:37:23.079 down or is it a total loss, are you actually covered? 778 00:37:23.119 --> 00:37:26.239 Because that's a big deal. We talked about the Boulder fires. 779 00:37:26.519 --> 00:37:31.039 Ninety seven percent of people affected were under insured. Now, 780 00:37:31.039 --> 00:37:33.599 one of the reasons was is because it was so 781 00:37:34.800 --> 00:37:38.519 harmful to the area, and all the contractors and all 782 00:37:38.559 --> 00:37:40.920 the homes that burned down, and all the lumber that 783 00:37:41.039 --> 00:37:43.719 was needed and all the things to build a house 784 00:37:43.760 --> 00:37:47.760 that was needed got very expensive supply and demand exactly. 785 00:37:47.880 --> 00:37:51.159 So part of the underinsured was because it wasn't just 786 00:37:51.239 --> 00:37:54.719 one home. Absolutely, But I will say this, Mine was 787 00:37:54.960 --> 00:37:59.440 drastically underinsured from when I purchased it, and we relooked 788 00:37:59.440 --> 00:37:59.760 at it. 789 00:38:00.119 --> 00:38:03.119 Yeah, and you just see it. You have to think 790 00:38:03.159 --> 00:38:05.599 through It's not a matter of what your house is 791 00:38:05.639 --> 00:38:07.760 worth if you could go sell it right now, it's 792 00:38:07.840 --> 00:38:10.679 really what would it cost for a contractor to come 793 00:38:10.679 --> 00:38:14.400 in and rebuild this exactly? It's expensive, it is. I 794 00:38:14.480 --> 00:38:16.280 mean it's way more than you think it is. But 795 00:38:16.400 --> 00:38:19.360 to your point, when you have a lot of losses 796 00:38:19.400 --> 00:38:22.639 in one area, the natural cost is going to go up. 797 00:38:22.760 --> 00:38:25.400 It's just anywhere there's fires California. 798 00:38:24.800 --> 00:38:27.320 Here, California one is going to be a fortune. 799 00:38:27.760 --> 00:38:30.079 They can't even rebuild you. Yeah, which is a whole 800 00:38:30.079 --> 00:38:33.079 different topic, but it's kind of crazy. I mean, those people, 801 00:38:33.320 --> 00:38:35.920 they're going to run out of money because most insurance 802 00:38:36.320 --> 00:38:38.760 companies give you, what a year to move or a 803 00:38:38.840 --> 00:38:41.360 year to find another dwelling to stay in or rent 804 00:38:41.800 --> 00:38:43.639 or whatever you're going to do, they'll give you. 805 00:38:43.760 --> 00:38:45.880 Yeah, a lot of policies only have twelve months of 806 00:38:45.960 --> 00:38:47.159 loss of use. 807 00:38:47.039 --> 00:38:49.280 And they can't even start rebuilding. I mean, most people 808 00:38:49.320 --> 00:38:51.519 are going to have loss of use before they can 809 00:38:51.559 --> 00:38:54.960 even put the first dig, the first hole for the 810 00:38:54.960 --> 00:38:56.119 basement or whatever. 811 00:38:56.280 --> 00:38:58.639 And then they're paying rent wherever they're living, and they're 812 00:38:58.679 --> 00:39:01.079 still paying a mortgage that they had on the home 813 00:39:01.119 --> 00:39:04.519 that burned down, so they're having double you know, house 814 00:39:04.559 --> 00:39:05.800 payments in effect. 815 00:39:05.880 --> 00:39:07.599 That's why it's so important to make sure he had 816 00:39:07.639 --> 00:39:09.519 the coverage. But if you call that three ZHO three 817 00:39:09.599 --> 00:39:12.079 nine ninety six, nine thousand, and a lot of people 818 00:39:12.119 --> 00:39:14.760 are like, oh, I love all State, I love State Farm, 819 00:39:14.800 --> 00:39:19.280 I've had him forever. Well, maybe the coverage sucks, but 820 00:39:19.360 --> 00:39:21.280 you don't know it because you've never had a claim. 821 00:39:21.559 --> 00:39:25.480 And maybe you can save thirty forty fifty percent, right, 822 00:39:25.519 --> 00:39:28.719 I mean, I realize that sounds drastic, but we've had 823 00:39:28.760 --> 00:39:31.840 people that have called up that you have literally saved. 824 00:39:31.880 --> 00:39:35.199 I remember one was ridiculous. They had they were worth 825 00:39:35.239 --> 00:39:39.840 about three million dollars and they had insurance that was 826 00:39:39.920 --> 00:39:41.079 the minimal of everything. 827 00:39:41.119 --> 00:39:43.000 Yeah, it had twenty I remember this because it was 828 00:39:43.239 --> 00:39:44.840 it was a couple of shows ago, and they had 829 00:39:44.840 --> 00:39:47.559 twenty five thousand a bodily injury limit. So if they 830 00:39:47.599 --> 00:39:50.199 got into an accident it hurt somebody, they'd lose everything 831 00:39:50.239 --> 00:39:55.760 they had. Their insurance would pay twenty five thousand, and then. 832 00:39:53.760 --> 00:39:57.039 They would go after the house or the condos and 833 00:39:57.079 --> 00:39:59.400 everything else they have. I mean big time. I mean 834 00:39:59.480 --> 00:40:00.519 that's just how it works. 835 00:40:00.920 --> 00:40:03.079 If you ought to make sure you have liability insurance, 836 00:40:03.320 --> 00:40:05.320 we were just talking about that and break. It is 837 00:40:05.400 --> 00:40:08.199 so important to make sure that if you have any 838 00:40:08.239 --> 00:40:10.280 kind of assets, you need to have an umbrella policy 839 00:40:10.320 --> 00:40:12.679 over the top of your liability, just so that if 840 00:40:12.719 --> 00:40:15.159 you get sued, you have somebody to protect you. 841 00:40:15.360 --> 00:40:18.000 Love people, and I really mean this. I would love 842 00:40:18.039 --> 00:40:20.039 for you guys to call them up now and let's 843 00:40:20.039 --> 00:40:22.360 get some real things during the show. I've got some 844 00:40:22.400 --> 00:40:24.880 real numbers to show people how much they can save. 845 00:40:25.159 --> 00:40:30.519 These guys also shop for you every single year. In 846 00:40:30.559 --> 00:40:33.760 other words, if something drastically changes, like there's a lot 847 00:40:33.760 --> 00:40:36.280 of hailstorms, or maybe you have a young driver or 848 00:40:36.320 --> 00:40:39.519 something along those lines, or if really nothing happens, if 849 00:40:39.519 --> 00:40:41.599 they think you can get a better rate from a 850 00:40:41.599 --> 00:40:44.960 different company, they'll shop you and they'll let you know, Hey, 851 00:40:45.199 --> 00:40:46.920 we want to switch you over to this because it's 852 00:40:46.960 --> 00:40:49.719 going to save you X amount of dollars. But call 853 00:40:49.840 --> 00:40:52.599 now three oh three nine ninety six nine thousand, and 854 00:40:52.639 --> 00:40:55.760 that's the insurance help center and quote Compass dot com 855 00:40:55.840 --> 00:40:59.480 is your website. But Robert asked an interesting question about umbrellas. 856 00:41:00.320 --> 00:41:03.840 Umbrellas typically you have to have what two fifty five 857 00:41:03.960 --> 00:41:07.760 hundred on the auto just to just to buy the umbrella. 858 00:41:07.920 --> 00:41:10.119 Yep, you got to have a bodily injury limit for 859 00:41:10.280 --> 00:41:12.920 most carriers of two fifty five hundred, two hundred and 860 00:41:12.920 --> 00:41:15.800 fifty thousand per person five hundred thousand per accident to 861 00:41:15.880 --> 00:41:18.920 be eligible for an umbrella. Now, umbrellas in themselves that 862 00:41:18.920 --> 00:41:22.239 gives you an additional million of liability or more or 863 00:41:22.280 --> 00:41:24.519 more you're starting get a million. It's usually one, two, three, 864 00:41:24.559 --> 00:41:25.320 four or five and up. 865 00:41:25.760 --> 00:41:29.559 So therefore, for the personal injury part, if you really 866 00:41:29.639 --> 00:41:32.719 hurt someone big time and it's you know, it's a 867 00:41:32.760 --> 00:41:36.519 couple million dollars or whatever, someone dies something horrific, I 868 00:41:36.559 --> 00:41:40.000 mean you're talking, the initial coverage would pay out that 869 00:41:40.079 --> 00:41:43.159 five hundred, and then the umbrella would kick in and 870 00:41:43.199 --> 00:41:45.639 pay out an additional million or whatever the coverage is 871 00:41:45.800 --> 00:41:49.599 for exactly keep going. And so but when and what I. 872 00:41:49.519 --> 00:41:52.440 See a lot of times that people do is they 873 00:41:52.440 --> 00:41:54.880 will increase that bodily injury limit to two fifty five 874 00:41:54.960 --> 00:41:58.480 hundred on their auto policy, but they leave their uninsured 875 00:41:58.519 --> 00:42:01.280 motorist at twenty five to fifty or at a lower amount. 876 00:42:01.400 --> 00:42:04.880 So crazy that means you're covering yourself for less more 877 00:42:05.000 --> 00:42:06.119 covering of other people. 878 00:42:06.400 --> 00:42:09.119 Now, Jonath Hollis says that all the time. He thinks 879 00:42:09.159 --> 00:42:10.639 it's the craziest thing in the world. 880 00:42:10.679 --> 00:42:14.199 It is crazy because they won't let you have higher 881 00:42:14.280 --> 00:42:17.599 uninsured motorist limits than you do bodily injury limits. They 882 00:42:17.599 --> 00:42:21.159 won't insurance companies won't let you do that. But why 883 00:42:21.239 --> 00:42:24.519 would you purposely ensure yourself for less. Whenever you have 884 00:42:24.679 --> 00:42:28.159 raised that bodily injury limit, make sure your uninsured motors 885 00:42:28.239 --> 00:42:29.480 limit is just as high. 886 00:42:29.800 --> 00:42:33.079 We had a guy call in probably I don't know, 887 00:42:33.119 --> 00:42:35.559 a week ago, two weeks ago, actually, it's probably been 888 00:42:35.559 --> 00:42:39.960 a little longer time, just freaking flies. But he had 889 00:42:40.000 --> 00:42:42.760 twenty five thousand and he had a million dollar house 890 00:42:43.400 --> 00:42:46.440 paid off. The older guy, I think in his seventies, 891 00:42:46.440 --> 00:42:48.440 he might even been in his eighties. I mean he 892 00:42:48.519 --> 00:42:51.760 was there though. I mean he was intelligent and put together. 893 00:42:51.840 --> 00:42:55.239 But he ran into someone and they're coming after him, 894 00:42:55.280 --> 00:42:57.519 and we had attorneys on and everything. But the bottom 895 00:42:57.559 --> 00:43:01.559 line was he had twenty five thousand, minimal coverage and 896 00:43:01.599 --> 00:43:05.320 he had a million dollar asset, and the insurance company 897 00:43:05.559 --> 00:43:09.840 was like the one coming after him. I forget who 898 00:43:09.880 --> 00:43:12.519 it was. I forget the one coming after him. It 899 00:43:12.639 --> 00:43:16.480 might have been I forget who was coming after him. 900 00:43:16.519 --> 00:43:19.199 When I say the insurance company coming after him, his 901 00:43:19.320 --> 00:43:23.840 company was sending him letters saying the other the attorney 902 00:43:24.199 --> 00:43:27.360 on the other side wants this information. So they sent 903 00:43:27.440 --> 00:43:31.400 him basically a questionnaire asking about assets and the reason 904 00:43:31.440 --> 00:43:33.320 he called in he wouldn't know if he needed to 905 00:43:33.360 --> 00:43:35.280 sign it and fill it out. And that's when we 906 00:43:35.320 --> 00:43:38.559 got attorneys involved, and it was just bad news. It 907 00:43:38.599 --> 00:43:41.440 was just bad news. Whatever the damages are, I mean, 908 00:43:41.519 --> 00:43:43.760 he's probably well, no one died, so I'm sure it's 909 00:43:43.800 --> 00:43:45.760 going to be under a million bucks. But they're going 910 00:43:45.840 --> 00:43:46.920 to go after his assets. 911 00:43:47.000 --> 00:43:49.119 Oh, you don't need death. We have someone right now. 912 00:43:49.199 --> 00:43:51.519 We just had a claim maybe two weeks ago where 913 00:43:51.559 --> 00:43:55.639 one of our insurance was turning off of Dry Creek 914 00:43:56.159 --> 00:44:00.800 onto I don't remember one of those, Regionaiversey or something 915 00:44:00.880 --> 00:44:04.159 like that, and uh, as they're turning, a motorcycle came 916 00:44:04.760 --> 00:44:08.719 was speeding but came over the intersection, ran into their 917 00:44:09.119 --> 00:44:13.079 her car and on as she was turning, hit the 918 00:44:13.079 --> 00:44:17.320 side of her car, flipped over, hit the ground, did 919 00:44:17.360 --> 00:44:21.760 not die. But immediately we've already our insurance companies already 920 00:44:21.760 --> 00:44:23.159 paid out one point five million. 921 00:44:23.400 --> 00:44:24.400 Whose fault was it? 922 00:44:24.599 --> 00:44:26.960 They're blaming her because she didn't have a green arrow. 923 00:44:27.719 --> 00:44:30.519 It was a green light, but she went as she turned, 924 00:44:30.559 --> 00:44:34.000 but they're saying it was her fault, her fault. So, yeah, 925 00:44:34.320 --> 00:44:38.079 the the motorcycles had no insurance, didn't have a license, 926 00:44:38.119 --> 00:44:41.920 and and was speeding, but she still trust accident. Yeah, 927 00:44:42.000 --> 00:44:43.480 one point five paid out right away. 928 00:44:44.039 --> 00:44:46.320 That was the whole thing. That was her max. But 929 00:44:46.559 --> 00:44:49.280 the settled, so they had an umbrella and then the 930 00:44:49.280 --> 00:44:52.719 five that's right, but at least they settled. In other words, 931 00:44:52.760 --> 00:44:55.800 they can't come after her after this. They've they've gave 932 00:44:55.960 --> 00:44:58.920 those right, if you have twenty five thousand, the insurance 933 00:44:58.920 --> 00:45:01.400 company will pay out that twenty five and then go away, 934 00:45:01.519 --> 00:45:03.599 and then they don't even give you defense at that point. Ye, 935 00:45:03.760 --> 00:45:05.840 so you have to pay your own defense and then anything 936 00:45:05.920 --> 00:45:07.760 more you're out, which costs a fortune. 937 00:45:07.840 --> 00:45:10.159 Yeah, so if you can't, if you actually have to 938 00:45:10.440 --> 00:45:11.159 get an umbrella. 939 00:45:11.239 --> 00:45:13.400 That's what the attorneys were saying about the guy who 940 00:45:13.440 --> 00:45:15.559 was telling you. They're like, you have to hire an attorney. 941 00:45:15.840 --> 00:45:19.119 You need to defend yourself on this because whatever attorney. 942 00:45:19.320 --> 00:45:21.519 I think it was a woman that she hired. They're 943 00:45:21.559 --> 00:45:24.000 gonna come after you for extraordinary amounts of money. You're 944 00:45:24.000 --> 00:45:26.400 gonna have to prove that the damages aren't that high, right, 945 00:45:26.480 --> 00:45:28.360 I mean, it's evident they're going to be over twenty 946 00:45:28.360 --> 00:45:31.199 five thousand, But if they come after a million, you 947 00:45:31.239 --> 00:45:33.599 better have someone on your side to prove there is 948 00:45:33.679 --> 00:45:37.000 attack exactly exactly the other thing, let's. 949 00:45:36.760 --> 00:45:40.119 Get close to the mike doctor and again I'm I'm 950 00:45:40.119 --> 00:45:42.639 with John Fuller on this. Go out and spend one 951 00:45:42.679 --> 00:45:45.199 hundred and fifty bucks on a dashcam. 952 00:45:45.559 --> 00:45:48.719 It will save you thousands of maybe million. Well, if 953 00:45:48.719 --> 00:45:51.159 you're not at fault, it can help you protect your 954 00:45:51.159 --> 00:45:51.599 inn as soon. 955 00:45:51.840 --> 00:45:54.320 If you're not at fault, you'll have definitive proof that 956 00:45:54.360 --> 00:45:57.199 you're not at fault. And for one hundred and fifty bucks, 957 00:45:57.239 --> 00:45:59.119 it's incredible coverage. 958 00:45:59.320 --> 00:46:02.440 No, it is credible coverage. And most people just think 959 00:46:02.480 --> 00:46:05.000 it's a pain, but really, all you gotta do, worst scenario, 960 00:46:05.039 --> 00:46:07.400 plug it into your cigarette later and buy one that's 961 00:46:07.440 --> 00:46:09.320 got a battery so you can unplug it if you 962 00:46:09.320 --> 00:46:11.159 want to, and then you forget about it. Yeah, then 963 00:46:11.159 --> 00:46:13.440 you forget about a hold tight three oh three seven 964 00:46:13.480 --> 00:46:15.440 one three eight two five five. We'd love to hear 965 00:46:15.480 --> 00:46:17.840 from you right here on the Trebleshooter shop. 966 00:46:22.360 --> 00:46:25.599 Go with a sure thing Denver's best roofer Excel Roofing 967 00:46:25.719 --> 00:46:28.360 dot com. You don't pay a cent until you're content. 968 00:46:31.719 --> 00:46:34.920 Time for an insurance check up free, no obligation. In comparison, 969 00:46:35.039 --> 00:46:38.639 call Compass Insurance Pain too much your coverage at dozens 970 00:46:38.639 --> 00:46:41.360 of insurance companies find out now three oh three seven 971 00:46:41.480 --> 00:46:44.280 seven to one help. You'll think you're his only customer 972 00:46:44.320 --> 00:46:46.559 when you choose Frank durand the real estate Man dot 973 00:46:46.599 --> 00:46:49.880 com to list your home with Remax Alliance three oh 974 00:46:49.960 --> 00:46:53.880 three nine two zero sixteen twenty two. 975 00:46:53.880 --> 00:46:57.360 All right, three oh three seven one three eighty two 976 00:46:57.360 --> 00:46:59.800 five five. Today's a great day to call in. It's 977 00:46:59.840 --> 00:47:02.599 been pretty slow the first hour, but I love giving 978 00:47:02.599 --> 00:47:06.119 the information out. I love educating people on insurance. With 979 00:47:06.239 --> 00:47:08.360 Brian Burns and the other person, we're going to be 980 00:47:08.400 --> 00:47:11.719 talking to Robert Bruce. He's been on our referral list 981 00:47:11.760 --> 00:47:14.960 for God since two thousand and eight, and we're going 982 00:47:15.000 --> 00:47:17.480 to be talking about his handyman's skills and what he 983 00:47:17.519 --> 00:47:19.800 can do for you over the summer. It's that time 984 00:47:19.840 --> 00:47:22.159 of year, man, where people want to get stuff done. 985 00:47:22.159 --> 00:47:26.119 But Brian reminded me during the break he pulled up 986 00:47:26.159 --> 00:47:29.840 our snapshot and I'll call it that from my daughter, 987 00:47:29.920 --> 00:47:34.360 myself and my wife. When we went with what is it, Safego? Yep, Safego. 988 00:47:34.480 --> 00:47:38.480 When we went with Safeco for ninety days, they tracked us. Yeah, 989 00:47:38.559 --> 00:47:41.679 you participated in a TELEVINTA was on a phone. It 990 00:47:41.719 --> 00:47:42.119 was a phone. 991 00:47:42.199 --> 00:47:45.119 Yeah, you downloaded an app each of the three drivers 992 00:47:45.119 --> 00:47:46.039 that were on the policy. 993 00:47:46.119 --> 00:47:48.480 And I just want everybody to know before he says this, 994 00:47:49.000 --> 00:47:51.320 the grin on his face I did not like at all. 995 00:47:51.760 --> 00:47:55.920 But here's what I'm here's the part I'm already gonna say. 996 00:47:55.960 --> 00:48:00.119 So everybody knows I have not had an accident in 997 00:48:00.159 --> 00:48:03.880 over fifteen years. I have not had a speeding ticket 998 00:48:04.320 --> 00:48:09.679 or any traffic infraction for over fifteen years. So that 999 00:48:10.679 --> 00:48:14.000 I have not pulled that's all that matters. I have 1000 00:48:14.000 --> 00:48:16.519 a question for you, Yes, do your shoes get wet 1001 00:48:16.599 --> 00:48:19.960 when you walk on water or shut up dock. I 1002 00:48:20.000 --> 00:48:22.639 have not had a ticket in fifteen years. There was 1003 00:48:22.679 --> 00:48:25.320 a time in my life I had a lot of tickets, 1004 00:48:25.559 --> 00:48:27.719 but that was all past fifteen years ago. 1005 00:48:27.800 --> 00:48:29.239 I'm going to take you on your word. I have 1006 00:48:29.360 --> 00:48:32.039 not pulled that data in to verify mark on this 1007 00:48:32.079 --> 00:48:34.679 one as far as this accident ticket history. But we'll 1008 00:48:34.719 --> 00:48:37.079 just say, okay, that data, I know that data is right. 1009 00:48:37.199 --> 00:48:39.519 We'll believe it go back fifteen years though, right, I 1010 00:48:39.559 --> 00:48:42.320 can't fives? Well five, my god, yeah, I mean it 1011 00:48:42.400 --> 00:48:44.239 might have been fourteen years, but I'm telling you I 1012 00:48:44.239 --> 00:48:47.400 think it's been well over fifteen. But go ahead, Well, really, 1013 00:48:47.599 --> 00:48:50.440 so how do they base this like by discount or 1014 00:48:50.480 --> 00:48:54.000 by they charge more? How is it a rank like 1015 00:48:54.400 --> 00:48:57.199 zero to one hundred? I mean, what are we looking at? Yeah, 1016 00:48:57.199 --> 00:48:58.039 they fit. 1017 00:48:58.119 --> 00:49:01.760 When it's finished, they come up with that permanent discount 1018 00:49:01.960 --> 00:49:02.800 on your policy. 1019 00:49:02.880 --> 00:49:06.519 Okay, So after the ninety days, Safeco looks at all 1020 00:49:06.559 --> 00:49:10.440 the drivers yep, and then basically says, okay, for this driver, 1021 00:49:10.559 --> 00:49:15.239 we're going to give a discount of X percent for 1022 00:49:15.320 --> 00:49:17.960 pretty much. Ever unless if the driving record changes. 1023 00:49:18.079 --> 00:49:20.280 Yeah, well, I mean that wouldn't even affected. It's it's 1024 00:49:20.360 --> 00:49:22.119 just that part for the drive. 1025 00:49:22.400 --> 00:49:25.039 Even if you were in an accident, you'd still receive that. 1026 00:49:25.440 --> 00:49:27.639 Let's just get that. Now, you would get a surcharge 1027 00:49:27.639 --> 00:49:30.079 for an accident, but you still get that discount. Right, 1028 00:49:30.360 --> 00:49:33.000 let's start with Suzanne. What was her discount? All right, yeah, 1029 00:49:33.079 --> 00:49:35.440 let's start at the top. I think probably that we 1030 00:49:35.440 --> 00:49:39.480 should do it. So Suzanne is the winner, and she 1031 00:49:39.639 --> 00:49:44.079 finished this program by ending with a ten percent discount, 1032 00:49:44.239 --> 00:49:46.079 A ten discount she did. 1033 00:49:46.159 --> 00:49:46.400 Yep. 1034 00:49:46.800 --> 00:49:48.559 Now what else did she have on a record at 1035 00:49:48.559 --> 00:49:48.920 the time? 1036 00:49:49.079 --> 00:49:49.360 Was there? 1037 00:49:49.880 --> 00:49:50.199 I don't. 1038 00:49:50.440 --> 00:49:53.159 I don't have that information, nor would I share that. 1039 00:49:53.199 --> 00:49:54.960 I don't think I would need to get the permission 1040 00:49:54.960 --> 00:49:56.119 of that ensured to share that. 1041 00:49:57.039 --> 00:49:58.800 Go ahead, you can tell them. 1042 00:49:59.119 --> 00:50:04.199 Okay, So how do you want second place? Yes, that 1043 00:50:04.199 --> 00:50:05.320 would be your daughter Adeline. 1044 00:50:05.400 --> 00:50:07.440 Oh my god? What did she get? She got a 1045 00:50:07.480 --> 00:50:11.239 seven percent discount? She got a seven percent discount, Suzanne 1046 00:50:11.280 --> 00:50:14.119 got a ten Yeah, and I know Addie had a ticket. 1047 00:50:14.280 --> 00:50:17.039 I know that for a fact. So I'm not understanding 1048 00:50:17.079 --> 00:50:18.199 how this they. 1049 00:50:18.079 --> 00:50:18.480 Are just. 1050 00:50:20.000 --> 00:50:23.599 Yeah, and then in the bottom ranked at the bottom 1051 00:50:23.599 --> 00:50:26.960 half the discount of what Suzanne had. I have is 1052 00:50:27.000 --> 00:50:29.239 our friend mark at five percent discount. 1053 00:50:29.320 --> 00:50:32.119 Yep. Do you do this snapshot thing? 1054 00:50:32.760 --> 00:50:35.920 I have done it through Progressive not I wasn't insured 1055 00:50:35.960 --> 00:50:38.519 with Progressive, but when it came out, they gave us 1056 00:50:38.719 --> 00:50:40.880 one of those devices to plug in just to play 1057 00:50:40.920 --> 00:50:43.480 around to see what it was like. Uh, it didn't 1058 00:50:43.519 --> 00:50:45.440 derive my rate because I wasn't with them. It's because 1059 00:50:45.440 --> 00:50:48.840 I'm in Are you with mister insurance one that doesn't 1060 00:50:48.920 --> 00:50:49.880 offer telematics? 1061 00:50:49.880 --> 00:50:50.280 Who is it? 1062 00:50:50.679 --> 00:50:52.079 I am with a company called. 1063 00:50:52.000 --> 00:50:55.920 Pure and they have no telematics. They do not have that. 1064 00:50:56.079 --> 00:50:58.800 You think, I don't see that one of those super 1065 00:50:58.960 --> 00:51:02.360 high risk ones for people they already know you're not 1066 00:51:02.400 --> 00:51:05.599 going to drive already have that rate established, Yes, exactly, 1067 00:51:05.760 --> 00:51:09.480 even turned down by the general If you're turned down 1068 00:51:09.519 --> 00:51:14.159 by fred Layer, you're that would be absolutely crazy. Who 1069 00:51:14.239 --> 00:51:17.159 is the highest risk insurance? Let's say someone that has well, 1070 00:51:17.199 --> 00:51:19.400 I don't even know if it's possible, if someone has 1071 00:51:19.440 --> 00:51:23.400 had two three d UIs, can you even get coverage? 1072 00:51:23.440 --> 00:51:23.840 You can? 1073 00:51:24.119 --> 00:51:27.280 And Progressive usually has a rate for people even with 1074 00:51:27.360 --> 00:51:29.360 that bad of a driving record. There's a company called 1075 00:51:29.400 --> 00:51:30.639 Bristol West. 1076 00:51:30.920 --> 00:51:32.519 Uh, basically anybody. 1077 00:51:32.679 --> 00:51:36.079 They'll ensure pretty much anybody. Yeah, you can find an 1078 00:51:36.079 --> 00:51:37.760 insurance company to rate you. 1079 00:51:38.079 --> 00:51:39.360 But you got to have a license. 1080 00:51:39.920 --> 00:51:40.079 Uh. 1081 00:51:40.159 --> 00:51:41.440 Yeah, you got to have a license. 1082 00:51:41.960 --> 00:51:42.159 Uh. 1083 00:51:42.199 --> 00:51:44.480 But even some of those carriers will allow a uh 1084 00:51:44.639 --> 00:51:48.119 international license, you know, if you don't have an American license, 1085 00:51:48.159 --> 00:51:48.880 they'll still do that. 1086 00:51:49.079 --> 00:51:52.639 How does it work if someone's here without a driver's license, 1087 00:51:53.039 --> 00:51:56.039 whether let's just say someone that's here legally, I mean, 1088 00:51:56.360 --> 00:51:57.679 can they even get insurance? 1089 00:51:57.920 --> 00:52:00.880 Well no, I mean, like I just said, with Progressive, 1090 00:52:00.960 --> 00:52:03.400 I can put in that they have an international driver's 1091 00:52:03.400 --> 00:52:05.360 license or a foreign driver's license. 1092 00:52:05.440 --> 00:52:06.519 Do you have to have proof of it? 1093 00:52:07.880 --> 00:52:11.239 They really don't even ask for anything, to be fair, 1094 00:52:11.480 --> 00:52:14.920 that's not necessarily the clientele we're going after. We're we 1095 00:52:14.960 --> 00:52:18.440 have more preferred business, is how our agency is set 1096 00:52:18.519 --> 00:52:21.639 up with the carriers we have. But there are agents 1097 00:52:21.639 --> 00:52:23.880 out there that that's what they specialize in. Is that 1098 00:52:24.079 --> 00:52:28.880 higher risk, that's wild market, and so they have companies 1099 00:52:28.920 --> 00:52:30.760 that I'm sure, which. 1100 00:52:30.679 --> 00:52:33.800 Is the highest you've seen for an individual a rate? 1101 00:52:34.000 --> 00:52:34.199 Yeah? 1102 00:52:34.239 --> 00:52:36.440 Yeah, just well it's pretty hard because a lot of 1103 00:52:36.440 --> 00:52:39.719 people have multiple people. But like, what's a crazy rate 1104 00:52:39.760 --> 00:52:42.719 for someone? You got anybody spend at twenty thousand a 1105 00:52:42.800 --> 00:52:44.920 year on auto? Oh? Yeah, for sure, easily. 1106 00:52:45.039 --> 00:52:47.800 Yeah, but those are usually an account that has you know, 1107 00:52:48.079 --> 00:52:50.280 a lot of young drivers, a lot of nice cars, 1108 00:52:50.519 --> 00:52:51.440 and you do stuff. 1109 00:52:51.480 --> 00:52:54.320 Does Compass do stuff for businesses? It might have a fleet? 1110 00:52:54.639 --> 00:52:56.599 Oh yeah, yep, we do. I mean I know you 1111 00:52:56.639 --> 00:52:59.320 do stuff like garage keepers and workmen's comp but like 1112 00:52:59.679 --> 00:53:02.119 some that could come to you and say, you know, 1113 00:53:02.239 --> 00:53:04.119 we've got three hundred vehicles. 1114 00:53:04.159 --> 00:53:07.000 Oh yeah, we have a company we ensure that probably 1115 00:53:07.039 --> 00:53:11.239 has over one hundred vehicles over several states. 1116 00:53:11.679 --> 00:53:14.960 So yeah, I had a guy run into me in 1117 00:53:15.000 --> 00:53:19.639 a wheelchair and I was in my company vehicle and 1118 00:53:19.800 --> 00:53:22.840 I ended up being at fault. This was probably my god, 1119 00:53:23.000 --> 00:53:24.320 seventeen years ago. 1120 00:53:24.960 --> 00:53:27.400 I would say, better be over fifteen years after that. 1121 00:53:27.599 --> 00:53:30.840 Yeah, So he literally ran into me in an electure 1122 00:53:30.880 --> 00:53:32.480 chair and the guy had no legs. He was a 1123 00:53:32.559 --> 00:53:35.840 Vietnam vet and he had no legs. And I was 1124 00:53:35.920 --> 00:53:39.599 making a right and he, I guess, had the walking 1125 00:53:39.679 --> 00:53:43.199 light and I had a green light, but he had 1126 00:53:43.199 --> 00:53:44.840 the right way. I mean, he's in a wheelchair. No 1127 00:53:44.880 --> 00:53:48.039 matter what, even though he hit me, it was still 1128 00:53:48.039 --> 00:53:50.119 my fault. So he hits the side of the front 1129 00:53:50.119 --> 00:53:53.159 of my car and basically ends up on my hood man. 1130 00:53:53.280 --> 00:53:56.639 And it was so startling, and I hop out and 1131 00:53:56.840 --> 00:53:59.440 basically I help him. I don't know what to do. 1132 00:53:59.559 --> 00:54:01.639 I mean, I notice he has no legs. I'm afraid 1133 00:54:01.679 --> 00:54:04.199 to move him. I mean literally, So the ambulance is 1134 00:54:04.199 --> 00:54:08.760 there really quick. And my insurance company from my company 1135 00:54:09.519 --> 00:54:15.239 ended up paying out a half a million dollars half 1136 00:54:15.280 --> 00:54:18.320 a million dollars. And the reason they did it is, well, 1137 00:54:18.679 --> 00:54:20.519 I was pretty upset with him. I thought it was 1138 00:54:20.559 --> 00:54:22.840 crazy they were paying it out. But it's all up 1139 00:54:22.880 --> 00:54:26.280 to them. I'll never forget to Gal telling me. She goes, yeah, Okay, 1140 00:54:26.679 --> 00:54:30.440 here's a Vietnam vet with no legs that ends up 1141 00:54:30.480 --> 00:54:33.239 on top of your car and we're going to defend 1142 00:54:33.280 --> 00:54:36.400 that hol Yeah, because his family's saying he could no 1143 00:54:36.480 --> 00:54:39.559 longer live by himself. Now he has to have care 1144 00:54:39.639 --> 00:54:42.719 all the time because he's dramatically injured in other things. 1145 00:54:43.000 --> 00:54:45.599 And maybe it was that way, you know what, maybe, 1146 00:54:46.480 --> 00:54:48.519 and I try to look at it this way, maybe 1147 00:54:48.519 --> 00:54:52.119 I improved his life honestly, or my insurance company. But 1148 00:54:52.440 --> 00:54:54.719 the bottom line where I was going with this, Brian, 1149 00:54:55.400 --> 00:54:58.360 is that never hit my driving record because it was 1150 00:54:58.400 --> 00:55:01.719 a company policy commercial and I wasn'tn issued a ticket 1151 00:55:01.880 --> 00:55:05.119 or anything like that. My insurance company just paid out. 1152 00:55:05.320 --> 00:55:08.320 But is that how it works? Yeah, So like it's 1153 00:55:08.480 --> 00:55:13.079 nowhere on my record period. When I go to get insurance, 1154 00:55:13.159 --> 00:55:16.719 you'll never find that Mark Major created a half a 1155 00:55:16.760 --> 00:55:17.800 million dollar accident. 1156 00:55:18.000 --> 00:55:21.440 Yeah, And what you'll find is with commercial policies, when 1157 00:55:21.480 --> 00:55:24.920 you're doing a personal line policy, you pull what's called 1158 00:55:24.960 --> 00:55:28.519 a clue report. It's a fine accident, but that wouldn't 1159 00:55:28.519 --> 00:55:33.440 be on but commercial policies, companies don't report to that 1160 00:55:33.519 --> 00:55:36.800 clue report. So, in other words, that's not how they work. 1161 00:55:36.840 --> 00:55:39.639 With commercial policies, you have to get a loss experience. 1162 00:55:39.639 --> 00:55:42.159 So if you went to another commercial policy, you would 1163 00:55:42.199 --> 00:55:44.800 get hit then because they would have this loss report 1164 00:55:45.199 --> 00:55:48.119 that comes with it, even if it was a different company. Yeah, 1165 00:55:48.119 --> 00:55:50.159 if you went to a new carrier, they would want 1166 00:55:50.199 --> 00:55:51.400 this experience. 1167 00:55:52.079 --> 00:55:55.320 Now I'm saying that that business was called Colorado Carca, 1168 00:55:55.440 --> 00:55:57.760 Oh gotcha, and it was under there. I no longer 1169 00:55:58.079 --> 00:55:59.239 it would be that it would have to be the 1170 00:55:59.280 --> 00:56:02.599 same company exactly. It would have to be that eis right. Yep. 1171 00:56:03.119 --> 00:56:05.280 That was crazy though. I was so happy because I 1172 00:56:05.320 --> 00:56:09.079 thought when my renewal came from my personal stuff, oh man, 1173 00:56:09.280 --> 00:56:10.519 I thought I was going to be out of it. 1174 00:56:10.880 --> 00:56:13.639 But it doesn't report. I did learn, I did, well, 1175 00:56:13.679 --> 00:56:15.960 here's the question for compass. But I did learn on 1176 00:56:16.039 --> 00:56:21.039 that you really have no say if the insurance company 1177 00:56:21.280 --> 00:56:24.519 wants to settle because I thought it was crazy to 1178 00:56:24.559 --> 00:56:26.760 give this guy half a million bucks. And they were like, 1179 00:56:27.159 --> 00:56:29.840 that's not your decision, nor is it your money. 1180 00:56:30.000 --> 00:56:31.960 I'll tell you this. It even goes further than that. 1181 00:56:32.159 --> 00:56:34.960 I had an instance where I was involved in a 1182 00:56:35.079 --> 00:56:38.159 claim and I was feeling the same way. I said, 1183 00:56:38.159 --> 00:56:40.679 how could you possibly pay this? This is not fair, 1184 00:56:40.840 --> 00:56:44.239 it's not right, And they said, okay, we'll take it 1185 00:56:44.280 --> 00:56:47.519 to court if you want, but anything over the amount 1186 00:56:47.519 --> 00:56:49.960 we're willing to settle for right now, you're paying. And 1187 00:56:50.000 --> 00:56:52.119 I was like, I have no incentive to do that. 1188 00:56:52.320 --> 00:56:54.000 There's no god, no incentive at all. 1189 00:56:54.039 --> 00:56:56.599 What to feel a little better, right, just to have 1190 00:56:56.679 --> 00:56:57.920 this pride that I was right. 1191 00:56:58.039 --> 00:57:01.199 That's all contractual and the policy. Sure, yep, all right, 1192 00:57:01.239 --> 00:57:03.199 Hey Martha, what's your question for Compass? 1193 00:57:03.239 --> 00:57:03.320 Then? 1194 00:57:03.400 --> 00:57:07.000 Michael? You hold on? Hello, Hello Martha. 1195 00:57:07.920 --> 00:57:13.280 I my husband had a stroke back in September and 1196 00:57:13.320 --> 00:57:16.039 he isn't quite ready to drive yet. He's been really 1197 00:57:16.079 --> 00:57:18.320 good about that and we're signing him up for the 1198 00:57:18.360 --> 00:57:25.280 classes and getting evaluations done. Does that affect our insurance? 1199 00:57:25.599 --> 00:57:25.800 Hey? 1200 00:57:25.840 --> 00:57:32.360 Martha? Can I just ask you something? Sure? Is how's 1201 00:57:32.400 --> 00:57:35.039 he doing? In other words, I know someone that had 1202 00:57:35.039 --> 00:57:39.960 a stroke and about a year later he was almost perfect. 1203 00:57:40.280 --> 00:57:43.599 But you would have never thought that the first month after. 1204 00:57:43.800 --> 00:57:46.079 I mean it was kind of remarkable. So is he 1205 00:57:46.239 --> 00:57:49.960 progressing pretty well? Is his is his outlook? Basically he'll 1206 00:57:50.000 --> 00:57:52.920 be one hundred percent at. 1207 00:57:52.599 --> 00:57:55.400 This point, has been seven months or so. He had 1208 00:57:55.440 --> 00:57:57.760 a right green stroke and the cloud is still in 1209 00:57:57.840 --> 00:58:01.159 there and it is affected is f side, so his 1210 00:58:01.320 --> 00:58:04.000 left arm and left leg and part of his vision 1211 00:58:04.519 --> 00:58:08.400 is still quite impaired. Well, he is still taking OTMPT. 1212 00:58:08.559 --> 00:58:10.800 We're hoping, but you just don't know. 1213 00:58:11.079 --> 00:58:13.800 Is that something that's a great question she has? Is 1214 00:58:13.840 --> 00:58:17.119 that something she has to report? I mean if you 1215 00:58:17.199 --> 00:58:19.960 were in her shoes, Brian, I mean, how do you 1216 00:58:20.000 --> 00:58:25.000 even deal with this? If they don't say anything. 1217 00:58:23.679 --> 00:58:25.960 We would know. We wouldn't know that, Martha. 1218 00:58:25.800 --> 00:58:29.400 Because a hip hop, no one can get that information right. 1219 00:58:29.559 --> 00:58:32.000 So it's I think what the deal with on that 1220 00:58:32.000 --> 00:58:35.880 would be, Martha, is if the DMV has gaged him 1221 00:58:36.400 --> 00:58:39.840 to be well enough to have a driver's license. That's 1222 00:58:39.880 --> 00:58:42.559 all that it would require on our end. So there's 1223 00:58:42.559 --> 00:58:45.960 not a separate question we would have associated to that. 1224 00:58:46.079 --> 00:58:49.480 It would be more about my advice to you on 1225 00:58:49.559 --> 00:58:52.280 that would be is to make sure you would want 1226 00:58:52.320 --> 00:58:54.480 to make sure that he is healthy enough to drive, 1227 00:58:54.599 --> 00:58:57.719 simply because if he did have an accident exact, all 1228 00:58:57.760 --> 00:58:59.920 this stuff we're talking about here, you're the one that's 1229 00:59:00.000 --> 00:59:00.599 getting sued. 1230 00:59:00.599 --> 00:59:02.639 You guys are going to get sued for that loss. 1231 00:59:02.800 --> 00:59:05.920 So it's in your best interest to make sure that 1232 00:59:06.000 --> 00:59:08.079 he is healthy enough to drive. But it's not a 1233 00:59:08.199 --> 00:59:11.679 question as far as being eligible for insurance. 1234 00:59:11.920 --> 00:59:15.480 You know what's interesting if it's an act of god, 1235 00:59:16.360 --> 00:59:19.599 meaning even if I have two million dollars in liability 1236 00:59:19.639 --> 00:59:22.800 coverage and I'm driving down the road and I have 1237 00:59:22.880 --> 00:59:25.960 a heart attack all of a sudden and basically end 1238 00:59:26.079 --> 00:59:28.760 up driving off the road and hitting someone, it could 1239 00:59:28.760 --> 00:59:32.760 be a horrible accident. There's times where my insurance company 1240 00:59:32.760 --> 00:59:35.199 wouldn't even pay out because it was an act of God. 1241 00:59:35.679 --> 00:59:37.760 No, that would still be a collision. That's not that 1242 00:59:37.800 --> 00:59:38.880 would have nothing to do with it. 1243 00:59:38.960 --> 00:59:41.519 Then, I'm telling you we have had calls like that 1244 00:59:41.719 --> 00:59:47.119 where something has happened and an accidents caused and they 1245 00:59:47.159 --> 00:59:48.079 don't pay out. 1246 00:59:47.920 --> 00:59:52.360 Because they're like, it wasn't his fault. Okay, I differentiate that. 1247 00:59:52.719 --> 00:59:54.559 What I would tell you is if they didn't pay 1248 00:59:54.599 --> 00:59:57.480 out because they weren't forced to. But if that person 1249 00:59:57.599 --> 01:00:01.000 was sued and they were responsible, insurance is paying no 1250 01:00:01.039 --> 01:00:02.280 matter what the kicks. 1251 01:00:02.400 --> 01:00:04.280 I see what you're saying. They would still have to 1252 01:00:04.320 --> 01:00:07.000 defend you. They might try to have a defense to say, 1253 01:00:07.320 --> 01:00:09.119 this is an act that he had a heart attack, 1254 01:00:09.159 --> 01:00:11.880 This isn't a negligent, but they have to situation. They'd 1255 01:00:11.880 --> 01:00:14.280 have to defend and if he was found liable, they 1256 01:00:14.400 --> 01:00:16.480 have to pay. Yeah, that's right. But what I'm saying 1257 01:00:16.599 --> 01:00:19.119 is there's times where they're not found liable because it 1258 01:00:19.199 --> 01:00:21.199 wasn't actual. Okay, I'm with you there. I just thought 1259 01:00:22.360 --> 01:00:26.000 you're saying the insurance company still has to defend you, right, Hey, Martha, 1260 01:00:26.039 --> 01:00:28.119 thanks for that call. Three oh three seven one three 1261 01:00:28.239 --> 01:00:30.960 eight two five five. But Brian, like almost like if 1262 01:00:31.039 --> 01:00:34.480 lightning hit a car and because the lightning hit it 1263 01:00:34.519 --> 01:00:38.239 and blew a tire out and you end up killing somebody, Yep, truly, 1264 01:00:38.320 --> 01:00:41.320 that is an act of God, they would defend you, right, 1265 01:00:41.440 --> 01:00:44.480 but they might not pay out because it's not the 1266 01:00:44.519 --> 01:00:45.800 liability of that driver. 1267 01:00:46.039 --> 01:00:49.039 Right, they were not at fault in this case, but yeah, 1268 01:00:49.159 --> 01:00:52.000 but they Yeah, either way, I guess I just wanted 1269 01:00:52.000 --> 01:00:55.480 to make sure people didn't feel like you're insurance this 1270 01:00:55.559 --> 01:00:57.679 they're going to have to cover you if you're responsible 1271 01:00:57.719 --> 01:00:58.440 if you did. 1272 01:00:58.280 --> 01:01:00.880 Lose the case for whatever reason, they're paying and they're 1273 01:01:00.880 --> 01:01:02.880 paying for the defense. Let me ask you this. 1274 01:01:02.840 --> 01:01:08.239 Real quick though, Like with Martha's situation where she's renewing 1275 01:01:08.360 --> 01:01:11.719 a policy in the near future, here, would you volunteer 1276 01:01:11.800 --> 01:01:12.599 that information? 1277 01:01:12.800 --> 01:01:16.840 No, I don't think she needs to because it's really. 1278 01:01:16.519 --> 01:01:18.719 Not even a place where you could note it. Is there? 1279 01:01:18.800 --> 01:01:21.960 I mean where, well, is there anything like in progressives 1280 01:01:22.000 --> 01:01:24.840 portal for you guys that you put had a stroke? 1281 01:01:25.239 --> 01:01:27.599 No, what would happen is if someone called me and 1282 01:01:27.679 --> 01:01:30.119 this has happened before, where someone is no longer driving 1283 01:01:30.320 --> 01:01:32.679 and they say, hey, you know what, my no, my 1284 01:01:32.760 --> 01:01:35.719 husband had a stroke. He's no longer able to drive. 1285 01:01:35.800 --> 01:01:37.559 Can you remove him? And what I would do is 1286 01:01:37.599 --> 01:01:41.039 just exclude him from the policy. But you could do that, 1287 01:01:41.320 --> 01:01:44.159 but it doesn't really benefit you from a rate standard. 1288 01:01:44.280 --> 01:01:46.480 We better hope he doesn't drive someday. 1289 01:01:46.239 --> 01:01:48.400 Better not drive, or and if he does, if he 1290 01:01:48.400 --> 01:01:50.199 got his license back, that kind of thing, you could 1291 01:01:50.199 --> 01:01:52.320 call me and I just put him back on the policy. 1292 01:01:52.360 --> 01:01:56.199 But you know, exclusions help you whenever you have someone 1293 01:01:56.239 --> 01:01:59.079 that has a bad driving history because they're taking off 1294 01:01:59.079 --> 01:02:00.440 the teenager somewhere. 1295 01:02:00.480 --> 01:02:05.199 But that's so risky it is, that's the key. Hold on, Michael, 1296 01:02:05.199 --> 01:02:07.639 you're up next three oh three seven one three Talk 1297 01:02:07.719 --> 01:02:10.320 three oh three seven one three eight two five five. 1298 01:02:10.360 --> 01:02:12.760 Get your questions in about anything or if you need 1299 01:02:12.800 --> 01:02:15.880 help going after a contractor advice. Maybe you want to 1300 01:02:15.920 --> 01:02:17.760 talk to someone about a will or a trust. You 1301 01:02:17.840 --> 01:02:20.239 name it. We've got a list experts to know it. 1302 01:02:20.400 --> 01:02:22.559 But especially today, insurance. 1303 01:02:26.000 --> 01:02:29.280 Go with a sure thing Denver's best roofer Excel Roofing 1304 01:02:29.360 --> 01:02:29.960 dot com. 1305 01:02:30.000 --> 01:02:32.039 You don't pay a cent until you're content. 1306 01:02:35.400 --> 01:02:38.599 Time for an insurance check up free, no obligation comparison 1307 01:02:38.719 --> 01:02:42.280 call Compass Insurance paying too much your coverage at dozens 1308 01:02:42.280 --> 01:02:45.039 of insurance companies find out now three oh three seven 1309 01:02:45.000 --> 01:02:47.360 to seven to one help. You'll think you're his only 1310 01:02:47.480 --> 01:02:49.920 customer when you choose Frank durand the real estate Man 1311 01:02:50.000 --> 01:02:53.440 dot com to list your home with Remax Alliance three 1312 01:02:53.440 --> 01:03:03.599 oh three nine two zero sixteen twenty two. 1313 01:03:00.280 --> 01:03:02.840 All right three o three seven one three eight two 1314 01:03:02.960 --> 01:03:04.880 five five man. If you could hear the behind the 1315 01:03:04.920 --> 01:03:11.079 scenes conversation. I learned that Brian, are insurance expert, loves 1316 01:03:11.119 --> 01:03:15.239 horror movies, but he won't watch supernatural stuff because he 1317 01:03:15.360 --> 01:03:18.480 believes in it. Now it's too close to home. I don't 1318 01:03:18.480 --> 01:03:20.320 like the possession, I said, so I don't like you 1319 01:03:20.320 --> 01:03:22.639 to use a Wigi board, and sure enough you're not 1320 01:03:22.679 --> 01:03:24.679 a Oigi board. Though I would not be a wigi 1321 01:03:24.960 --> 01:03:27.440 My wife was not even allowed to have that in 1322 01:03:27.480 --> 01:03:30.599 the house. Growing up. Having a Wiji board was like, 1323 01:03:30.880 --> 01:03:33.519 you know, praying to the devil. Her parents would like 1324 01:03:33.599 --> 01:03:36.760 probably beat her if they found a Wigi board, which 1325 01:03:36.800 --> 01:03:39.559 is insane, but that's kind of a that's kind of 1326 01:03:39.559 --> 01:03:42.639 how some people are. Hey, Michael, and then Andrew, you'll 1327 01:03:42.639 --> 01:03:44.880 be next. We got two lines open three oh three 1328 01:03:45.039 --> 01:03:47.440 seven one three A two five five Michael, what's your 1329 01:03:47.559 --> 01:03:50.639 question on insurance? By the way, during the break, we 1330 01:03:50.679 --> 01:03:53.400 looked up and what was State Farm doing in California. 1331 01:03:53.599 --> 01:03:56.159 He's got approval for thirty eight is a thirty eight percent? 1332 01:03:56.239 --> 01:03:59.320 Thirty eight percent the great hike and. 1333 01:03:59.280 --> 01:04:02.320 What happens to take to ask the commissioner in whatever 1334 01:04:02.440 --> 01:04:05.320 state and they have to approve it? Right, My guess 1335 01:04:05.360 --> 01:04:07.320 is that one of the highest you've ever heard of. 1336 01:04:07.480 --> 01:04:09.280 That is about as high as I've heard. 1337 01:04:09.320 --> 01:04:12.000 I've never heard of anything higher. So I bet because 1338 01:04:12.000 --> 01:04:14.639 of the fires and all the damage in just California 1339 01:04:14.679 --> 01:04:18.239 in general, insurance companies like State Farm were probably like, listen, 1340 01:04:18.320 --> 01:04:19.760 if you don't give it to us, we're gonna have 1341 01:04:19.760 --> 01:04:20.760 no choice but to leave. 1342 01:04:20.960 --> 01:04:23.400 What they already did. They pulled out before the fire, 1343 01:04:23.440 --> 01:04:26.000 they started non renewing, so I'm sure this is an 1344 01:04:26.000 --> 01:04:29.280 incentive to try to get them back in the state again. 1345 01:04:29.360 --> 01:04:30.320 Michael, what's your question? 1346 01:04:31.760 --> 01:04:34.199 Hey, ither question? I was involved in an accident. 1347 01:04:35.320 --> 01:04:38.599 You got to beat the sill and the rest of 1348 01:04:38.599 --> 01:04:44.679 it is the Acpult insurance company and apparently the person 1349 01:04:44.719 --> 01:04:50.320 that hit me has state minimum. 1350 01:04:50.679 --> 01:04:52.920 Hey, Michael, get closer to your phone or take it 1351 01:04:52.960 --> 01:04:55.360 off bluetooth if you can. If you're not driving, we can. 1352 01:04:55.480 --> 01:05:00.199 You're coming in and out. Sorry me, go ahead, man, 1353 01:05:00.199 --> 01:05:03.039 it's no big deal. I think he's saying the person 1354 01:05:03.079 --> 01:05:05.639 that hit him had minimal right and the damages are 1355 01:05:05.639 --> 01:05:07.719 going to far exceed I mean, I think dance where 1356 01:05:07.719 --> 01:05:11.800 he's going. Yep. Yeah, how much do you think? And 1357 01:05:11.880 --> 01:05:15.000 when you talk damages, are you talking injury or are 1358 01:05:15.000 --> 01:05:17.400 you talking property? 1359 01:05:17.599 --> 01:05:18.079 Vote? 1360 01:05:18.800 --> 01:05:23.719 So what happened was, Gee, I got an estumate for 1361 01:05:23.800 --> 01:05:26.559 the repair. The repair is going to be like minimum 1362 01:05:26.599 --> 01:05:32.400 ten grand, and then the medical. So far it's been minimal, 1363 01:05:32.440 --> 01:05:34.400 but I'm going to go back because I'm still having 1364 01:05:34.480 --> 01:05:38.840 issues and then the cost of the car rental and 1365 01:05:38.880 --> 01:05:43.239 all that, and the progressive agent that I spoke with said, no, 1366 01:05:43.480 --> 01:05:45.840 go to your you've got full coverage, go. 1367 01:05:45.800 --> 01:05:46.599 To your insurance. 1368 01:05:46.760 --> 01:05:47.039 Yeah. 1369 01:05:47.079 --> 01:05:50.360 So I just want to explain something for people listening, 1370 01:05:50.360 --> 01:05:52.679 and Brian, I'm going to have you do it. When 1371 01:05:52.679 --> 01:05:56.400 we talk about minimal, what is the state minimal twenty 1372 01:05:57.159 --> 01:06:00.719 and it's the twenty five thousand for property and life bill. Okay, No, 1373 01:06:00.760 --> 01:06:01.440 it's okay. 1374 01:06:01.480 --> 01:06:04.199 So here's whenever you see an insurance policy, you're going 1375 01:06:04.239 --> 01:06:06.840 to see it in there's gonna be three numbers there. 1376 01:06:06.960 --> 01:06:12.239 It's gonna be twenty five fifty fifteen. That's the state minimum, 1377 01:06:12.280 --> 01:06:15.159 and that you'res twenty five thousand per person injured up 1378 01:06:15.199 --> 01:06:18.559 to fifty thousand per accident. And that third number is 1379 01:06:18.599 --> 01:06:23.119 the property damage liability. Fifteen thousand is the minimum property 1380 01:06:23.199 --> 01:06:24.000 damage liability. 1381 01:06:24.079 --> 01:06:27.360 How absurd is that? I don't even think the cheapest 1382 01:06:27.480 --> 01:06:30.519 car you can buy, and I'm talking new of course, 1383 01:06:30.679 --> 01:06:34.320 right is fifteen. I mean, if you've got if you've 1384 01:06:34.360 --> 01:06:37.199 got the minimal and you hit somebody in an eighty 1385 01:06:37.320 --> 01:06:42.519 thousand dollars car, ye, holy moly. But you're so go ahead, 1386 01:06:42.840 --> 01:06:46.159 and what you should do is exactly what advice the 1387 01:06:46.159 --> 01:06:48.840 insurance company gave you. I mean, right, if you go 1388 01:06:48.920 --> 01:06:50.639 after your own insurance. 1389 01:06:50.360 --> 01:06:51.880 What I would do is I turn it in my 1390 01:06:51.920 --> 01:06:55.719 own insurance. The only downside to that is that you're 1391 01:06:55.760 --> 01:06:58.280 going to be responsible for your deduct yet. But you 1392 01:06:58.280 --> 01:07:01.480 can tell well, the insurance company will go after them 1393 01:07:01.519 --> 01:07:03.760 if they get if they subrogate and get money back, 1394 01:07:04.159 --> 01:07:06.960 that money will go back to the first to you. 1395 01:07:08.159 --> 01:07:10.199 I don't know if that is a state law, but 1396 01:07:10.400 --> 01:07:13.559 most insurance companies do it that way. Some i've seen 1397 01:07:14.039 --> 01:07:16.360 will only do the percentage of what they get back. 1398 01:07:16.360 --> 01:07:19.880 In other words, if they're only made half hole, only 1399 01:07:19.920 --> 01:07:21.199 half your deductible's going back. 1400 01:07:21.400 --> 01:07:23.199 But so it's really in the policy language. 1401 01:07:23.280 --> 01:07:25.880 Yeah, so most carriers, though, the first dollar back will 1402 01:07:25.880 --> 01:07:27.960 go back to recover your deductible. 1403 01:07:27.719 --> 01:07:30.679 Or or you could take that person to small claims 1404 01:07:30.679 --> 01:07:32.880 course of course for that money, and you're going to 1405 01:07:32.960 --> 01:07:35.599 end up getting paid. Yeah, if they have money. If 1406 01:07:35.679 --> 01:07:38.280 I have anything, what is your question about it? Well, 1407 01:07:38.320 --> 01:07:41.280 first of all we should ask do you have that coverage? 1408 01:07:42.960 --> 01:07:44.039 Yes, I have the coverage. 1409 01:07:44.079 --> 01:07:45.360 Okay, then what is your question? 1410 01:07:46.679 --> 01:07:50.360 Well, I didn't know it going through my insurance. 1411 01:07:52.000 --> 01:07:54.920 Because I have full coverage and I have enough. 1412 01:07:55.239 --> 01:07:57.239 I'm going to tell you a secret that I learned 1413 01:07:57.280 --> 01:07:59.880 from Brian years ago, and this is incredible. You're gonna 1414 01:07:59.880 --> 01:08:03.800 love this. Everybody should know this. You cannot be penalized 1415 01:08:03.840 --> 01:08:06.719 for this because you were not at fault, so they 1416 01:08:06.760 --> 01:08:10.119 can't raise your rates at it. The only downside to it. 1417 01:08:10.480 --> 01:08:13.960 The only downside is what Brian said is at deductible. 1418 01:08:14.119 --> 01:08:16.359 But if you take that driver to small Claim Score, 1419 01:08:16.479 --> 01:08:18.960 you're gonna get a judgment for that five hundred or 1420 01:08:18.960 --> 01:08:21.720 one thousand or whatever it is. And the other thing 1421 01:08:21.840 --> 01:08:26.319 is injuries. I want to say something, man, because you 1422 01:08:26.439 --> 01:08:28.920 definitely had injuries and you said you're going back in 1423 01:08:29.439 --> 01:08:32.840 for the life of me, Why you don't have an 1424 01:08:32.880 --> 01:08:38.760 attorney blows me away. Why don't you? I'm just curious. 1425 01:08:40.880 --> 01:08:44.119 Go with a sure thing Denver's Best roofer Excel roofing 1426 01:08:44.239 --> 01:08:46.880 dot com. You don't pay a cent until you're content. 1427 01:08:50.239 --> 01:08:53.439 Time for an insurance check up free, no obligation. In comparison, 1428 01:08:53.560 --> 01:08:57.119 call Compass insurance paying too much your coverage at dozens 1429 01:08:57.159 --> 01:08:59.880 of insurance companies find out now three O three seven 1430 01:09:00.079 --> 01:09:02.960 having one help, You'll think you're his only customer when 1431 01:09:03.000 --> 01:09:05.479 you choose Frank durand the real estate man dot com 1432 01:09:05.520 --> 01:09:08.600 to list your home with Remax Alliance three oh three 1433 01:09:08.720 --> 01:09:10.439 nine two zero sixteen twenty two. 1434 01:09:12.600 --> 01:09:15.079 All right, three three seven one three eight two five five. 1435 01:09:15.079 --> 01:09:18.479 We got two lines open. I am going to go 1436 01:09:18.600 --> 01:09:22.079 to Andrew to get an idea real quick of what's 1437 01:09:22.119 --> 01:09:24.720 going on so I can think about it over the break. Andrew, 1438 01:09:24.720 --> 01:09:25.840 what is going on, sir? 1439 01:09:27.960 --> 01:09:31.439 I have not too long ago, just barely purchased a 1440 01:09:31.640 --> 01:09:33.720 twenty fifteen Kia Soul. 1441 01:09:33.960 --> 01:09:36.279 What does that mean? Barely purchased? Do you mean like 1442 01:09:36.319 --> 01:09:37.439 a week ago or something? 1443 01:09:37.520 --> 01:09:41.039 Or what like about three four months ago? 1444 01:09:41.199 --> 01:09:43.239 Got it keep going and. 1445 01:09:44.880 --> 01:09:51.399 It worked perfectly, but then the check engine like kept 1446 01:09:51.399 --> 01:09:53.399 on coming on. And then I took it back to 1447 01:09:53.640 --> 01:09:59.279 the dealership that we purchased it from. They replaced what 1448 01:09:59.439 --> 01:10:02.479 needed to be placed on it. But what irged me 1449 01:10:03.079 --> 01:10:08.399 is after you know, we had kept it a little bit. Yeah, Uh, 1450 01:10:08.560 --> 01:10:10.359 the check engine light went on again. 1451 01:10:11.079 --> 01:10:13.640 Was it the same code this time or a different code? 1452 01:10:14.399 --> 01:10:15.600 A different a different one? 1453 01:10:15.640 --> 01:10:17.119 All right, hold on, I want to know who the 1454 01:10:17.159 --> 01:10:19.720 dealer is and we'll talk about different things you can do. 1455 01:10:20.239 --> 01:10:22.560 Uh three oh three seven one three two five five. 1456 01:10:22.560 --> 01:10:25.840 We've got two lines open now remember insurance help center, 1457 01:10:25.920 --> 01:10:29.279 call right now three oh three nine ninety six nine thousand. 1458 01:10:29.600 --> 01:10:32.279 Let's see how much Brian Burns and Compass can save you. 1459 01:10:32.600 --> 01:10:35.479 Three oh three nine ninety six nine thousand. We'll be 1460 01:10:35.560 --> 01:10:36.000 right back. 1461 01:10:45.880 --> 01:10:49.159 Go with a sure thing Denver's best roofer Excel Roofing 1462 01:10:49.279 --> 01:10:51.920 dot com. You don't pay a cent until you're content. 1463 01:10:55.279 --> 01:10:58.479 Time for an insurance check up free, no obligation. In comparison, 1464 01:10:58.600 --> 01:11:02.159 call Compass Insurance paying too much your coverage at dozens 1465 01:11:02.159 --> 01:11:04.880 of insurance companies find out now three all three seven 1466 01:11:04.920 --> 01:11:07.279 to seven to one help. You'll think you're his only 1467 01:11:07.359 --> 01:11:09.840 customer when you choose Frank durand the real estate Man 1468 01:11:09.880 --> 01:11:13.319 dot com to list your home with Remax Alliance three 1469 01:11:13.319 --> 01:11:17.000 all three nine two zero sixteen twenty two. 1470 01:11:21.000 --> 01:11:26.319 Ripped off news so you don't have. 1471 01:11:28.560 --> 01:11:31.119 Come run in as fast as we can. 1472 01:11:31.840 --> 01:11:36.600 Show shooter's gonna help come man, This is. 1473 01:11:36.560 --> 01:11:42.079 The Troubleshooter Show. No, Tom Martinez, Welcome, Welcome to the 1474 01:11:42.119 --> 01:11:44.039 only show that it's goin. We're here to solve problems, 1475 01:11:44.079 --> 01:11:47.479 answer questions, take complaints, if you've been ripped off, if 1476 01:11:47.479 --> 01:11:49.600 you need some help, whether it's an attorney or a 1477 01:11:49.640 --> 01:11:52.760 good contractor or Today we're talking a lot of insurance. 1478 01:11:52.760 --> 01:11:55.760 Brian Burns is in with Compass Insurance and I love 1479 01:11:55.800 --> 01:11:58.479 when he's in. Brian, have we gotten anybody through the 1480 01:11:58.479 --> 01:11:59.840 help center yet that we've saved. 1481 01:12:00.600 --> 01:12:03.159 I did just get an email from one of the uh, 1482 01:12:03.560 --> 01:12:07.199 the producers that said they didn't give me a ton 1483 01:12:07.239 --> 01:12:09.279 of information here, but it looks like someone called in 1484 01:12:09.960 --> 01:12:13.479 and they had it. Doesn't tell me the name of 1485 01:12:13.479 --> 01:12:15.560 the insurance company, but they had actual cash value on 1486 01:12:15.600 --> 01:12:17.800 the roof. Kind of back what they had it they 1487 01:12:17.800 --> 01:12:20.680 didn't know, so they sent the declaration page and we 1488 01:12:20.720 --> 01:12:22.800 were able to show them that you in fact have 1489 01:12:22.880 --> 01:12:23.800 actual cash value. 1490 01:12:23.840 --> 01:12:26.720 This is where is That's where all those questions come. 1491 01:12:26.840 --> 01:12:28.479 It was just over ten years. It was like eleven 1492 01:12:28.600 --> 01:12:29.720 or twelve year old roofs. 1493 01:12:29.840 --> 01:12:32.039 I mean they basically have no coverage on their roof. 1494 01:12:32.159 --> 01:12:36.279 Yeah, I'm fifty percent plus they're deductible, so we were 1495 01:12:36.319 --> 01:12:38.880 able to wor Torrato and home. We were able to 1496 01:12:38.960 --> 01:12:41.560 change it to a replacement cost on the roof and 1497 01:12:41.720 --> 01:12:44.800 save them three hundred bucks a month, so they have 1498 01:12:44.880 --> 01:12:48.399 way better coverage better actually have coverage exactly and still 1499 01:12:48.439 --> 01:12:49.840 saving over three grand years. 1500 01:12:49.840 --> 01:12:52.479 So that's not a bad deal. So I love the 1501 01:12:52.520 --> 01:12:55.279 Insurance Help Center. Listen, folks, if you're listening and have 1502 01:12:55.359 --> 01:12:57.399 not done it, we do this every time Brian's in. 1503 01:12:57.760 --> 01:13:01.439 You call up three oh three nine nine six, call 1504 01:13:01.640 --> 01:13:04.239 them up, and they're going to tell you what information 1505 01:13:04.359 --> 01:13:06.119 they need. It's not much at all. Most of it 1506 01:13:06.199 --> 01:13:08.079 you can get in a matter of a few seconds 1507 01:13:08.359 --> 01:13:10.720 right online. And then basically they're going to tell you 1508 01:13:10.760 --> 01:13:13.279 how much they can save. If they can't save you 1509 01:13:13.319 --> 01:13:15.039 any money, they're going to tell you. They're going to 1510 01:13:15.079 --> 01:13:17.359 be so straight up with you. That's why we love them. 1511 01:13:17.479 --> 01:13:20.920 They're honest people, but they shop thirty different companies. Plus 1512 01:13:20.920 --> 01:13:23.960 they're going to give you an idea if if you're 1513 01:13:24.079 --> 01:13:27.720 properly insured, that's more important. Let's go back to Andrew. 1514 01:13:27.840 --> 01:13:31.199 So Andrew buys a twenty fifteen Kia Soul. Who'd you 1515 01:13:31.239 --> 01:13:32.239 buy it from? Andrew? 1516 01:13:34.239 --> 01:13:36.880 It was a Rappa Ho Hyundai in Denver. 1517 01:13:37.039 --> 01:13:39.920 Yeah, I've done there. I've bought plenty of cars there. 1518 01:13:40.119 --> 01:13:42.399 So you bought a used Kia Soul from them, and 1519 01:13:42.439 --> 01:13:44.720 you bought it roughly two months ago? Is at about right? 1520 01:13:46.000 --> 01:13:48.359 It's about more like about four months ago. 1521 01:13:48.760 --> 01:13:51.079 Four that's fine. And the check engine light came on? 1522 01:13:51.279 --> 01:13:54.640 How the first time it came on? How long after? 1523 01:13:56.439 --> 01:14:01.000 It was like three days into meet purchasing the vehicle? 1524 01:14:01.000 --> 01:14:03.000 And then you brought it back? And what did they do? 1525 01:14:04.319 --> 01:14:08.560 They said that they needed to change the catalytic converter. Oh, 1526 01:14:09.079 --> 01:14:11.199 and I was like, well, why don't you just put 1527 01:14:11.239 --> 01:14:12.399 me into a different vehicle? 1528 01:14:12.479 --> 01:14:14.800 Well, it doesn't matter, big deal. It's a catalytic or 1529 01:14:14.840 --> 01:14:18.359 catalytic a catalytic converter. So did they do that? Though? 1530 01:14:20.279 --> 01:14:24.680 They they didn't put me into another vehicle, They just 1531 01:14:25.680 --> 01:14:26.119 fixed it. 1532 01:14:26.319 --> 01:14:28.560 Yeah, right, No, what I'm saying is they didn't have 1533 01:14:28.600 --> 01:14:30.720 to put you in another vehicle. In fact, I'm going 1534 01:14:30.760 --> 01:14:33.680 to tell you another thing, they didn't really have to 1535 01:14:33.680 --> 01:14:36.720 do anything. I mean, you bought it used, you should 1536 01:14:36.720 --> 01:14:39.520 have had it checked out. But it was actually very 1537 01:14:39.600 --> 01:14:41.560 nice of them to do that. Did it have any 1538 01:14:41.600 --> 01:14:43.239 kind of warranty on it. 1539 01:14:45.680 --> 01:14:50.439 No, No, Well, you know what I'm calling about is 1540 01:14:50.479 --> 01:14:54.279 the fact that we didn't know that the Kia Soul 1541 01:14:55.079 --> 01:15:00.159 two thousand and twelve to two thousand and nineteen where 1542 01:15:00.720 --> 01:15:06.399 engines are on recall. And if I have known that, 1543 01:15:07.720 --> 01:15:10.800 then you know I would have purchased a different vehicle. 1544 01:15:10.520 --> 01:15:11.039 Other than that. 1545 01:15:11.239 --> 01:15:13.199 Yeah, that's why I wanted to call you and ask 1546 01:15:13.279 --> 01:15:17.079 for advice in how we can go about Well. 1547 01:15:17.039 --> 01:15:20.359 Let's talk about let's let's talk about this recall. First, 1548 01:15:20.800 --> 01:15:23.840 are you covered by it as the second third or 1549 01:15:23.880 --> 01:15:24.600 whatever owner? 1550 01:15:25.560 --> 01:15:29.479 Yes, I took it to Kia's Bradley Kia here in 1551 01:15:29.520 --> 01:15:31.520 Puebla where I'm at, and what they say, that's how 1552 01:15:31.560 --> 01:15:34.560 we found out. That's how we found out that the 1553 01:15:34.640 --> 01:15:38.239 Kia was on recall. And he said that if you 1554 01:15:38.319 --> 01:15:41.880 haven't gone over one hundred and fifty thousand miles and 1555 01:15:42.199 --> 01:15:46.399 the engine goes out, that Kia will replace it with 1556 01:15:46.479 --> 01:15:49.399 a brand new engine for free. And that's and that's 1557 01:15:49.439 --> 01:15:50.199 that's fine. 1558 01:15:50.520 --> 01:15:57.039 Wait, wait, Andrew is at the oil consumption issue? Yes, okay, now, look, 1559 01:15:57.920 --> 01:16:02.399 it's either eating oil or it's not. But I think 1560 01:16:02.479 --> 01:16:05.880 you're in a great shape. How many miles are on it? 1561 01:16:07.560 --> 01:16:09.960 One hundred and twenty two thousand and. 1562 01:16:09.840 --> 01:16:12.520 Five h four. Yeah, I think you're in great shape. 1563 01:16:12.600 --> 01:16:16.199 I mean, you have a warranty on the entire engine, 1564 01:16:16.279 --> 01:16:18.359 on a vehicle that shouldn't have a warranty on it. 1565 01:16:18.399 --> 01:16:21.239 You kind of got lucky if there is oil consumption. 1566 01:16:21.760 --> 01:16:24.239 But if there isn't, and it's very easy. I had 1567 01:16:24.239 --> 01:16:26.399 a Hondi that had the same thing. The Santa Fe 1568 01:16:26.800 --> 01:16:29.000 would drop about a half a court in a month, 1569 01:16:29.439 --> 01:16:31.359 and I got a brand new engine when I had 1570 01:16:31.399 --> 01:16:33.399 about ninety eight thousand miles on it. 1571 01:16:33.479 --> 01:16:37.680 Man, well, they said that we have to wait until 1572 01:16:37.720 --> 01:16:41.640 that engine goes and it starts knocking. 1573 01:16:41.680 --> 01:16:44.119 Well, I don't know the rules on that particular one 1574 01:16:44.159 --> 01:16:47.039 where it goes and knocking. But on most of the Hondis, 1575 01:16:47.279 --> 01:16:50.880 and understand, Ki and Hondai are virtually the same, I 1576 01:16:50.880 --> 01:16:54.439 mean really they are. But on most of them, the 1577 01:16:54.479 --> 01:16:58.439 oil consumption. You bring it into the dealer, they check 1578 01:16:58.479 --> 01:17:00.920 how much oil's in it, You drive it for X 1579 01:17:00.960 --> 01:17:03.840 amount of miles, you bring it back and they recheck, 1580 01:17:03.920 --> 01:17:06.760 and then that's what Kia wants to know. So if 1581 01:17:06.800 --> 01:17:11.600 Spradley's telling you that basically the engine's got to start knocking, 1582 01:17:11.720 --> 01:17:14.680 that's kind of strange. I have not heard that before, 1583 01:17:15.000 --> 01:17:16.560 but it could be a little different on that. 1584 01:17:18.159 --> 01:17:23.079 Yeah, that's exactly what they're saying that if an engine starts. 1585 01:17:22.880 --> 01:17:25.880 Knocking, then we bring it back and then we. 1586 01:17:25.880 --> 01:17:29.000 Have to wait on a waiting list for so, you know, 1587 01:17:29.039 --> 01:17:30.840 with other people in order. 1588 01:17:30.680 --> 01:17:31.840 To test it. 1589 01:17:32.000 --> 01:17:34.680 They test it and they find out that engine is going, 1590 01:17:34.840 --> 01:17:35.479 then they'll. 1591 01:17:35.279 --> 01:17:36.279 Replace it for free. 1592 01:17:36.359 --> 01:17:39.439 But basically it's just like I'm sitting on a ticking 1593 01:17:39.520 --> 01:17:40.079 time bomb. 1594 01:17:40.319 --> 01:17:42.520 Well, you can't look at it that way, man, And 1595 01:17:42.560 --> 01:17:45.159 this is for everybody out there listening. We get your 1596 01:17:45.239 --> 01:17:47.159 call all the time. The bottom line is you should 1597 01:17:47.159 --> 01:17:49.880 have had it checked out. You should have had it 1598 01:17:50.079 --> 01:17:52.720 checked out, either a mechanic go there and check it out, 1599 01:17:52.840 --> 01:17:55.960 or drive it somewhere else, pull a car fax, maybe 1600 01:17:56.039 --> 01:17:58.560 run the VEN number through an automotive shop that's doing 1601 01:17:58.600 --> 01:18:01.279 the checkout. Then you would have heard about the recall 1602 01:18:01.479 --> 01:18:06.720 or the service bulletin on that engine. Legally, and this 1603 01:18:06.800 --> 01:18:09.800 isn't legal advice because I'm not an attorney, but from 1604 01:18:09.960 --> 01:18:13.560 everything I have ever dealt with, the bottom line is 1605 01:18:13.880 --> 01:18:16.640 you bought that as is. Did you happen to purchase 1606 01:18:16.680 --> 01:18:18.039 an extended warranty on it? 1607 01:18:19.640 --> 01:18:22.279 I did not Yeah, well you were right as is. 1608 01:18:22.439 --> 01:18:24.880 Yeah, yeah, you bought it as is. But that's everybody. 1609 01:18:24.960 --> 01:18:27.680 You're not the only one that makes this mistake. But 1610 01:18:27.920 --> 01:18:31.079 unlike a lot of people, what's crazy about the call 1611 01:18:31.680 --> 01:18:34.479 is your Actually, I don't find you in bad shape. 1612 01:18:34.840 --> 01:18:37.119 I mean, you're going to get at least another twenty 1613 01:18:37.159 --> 01:18:40.920 five thousand miles of warranty on the engine. They replaced 1614 01:18:41.000 --> 01:18:44.319 the other thing that generally goes out on those vehicles 1615 01:18:44.560 --> 01:18:47.399 around one hundred thousand miles, and that's the cat. That 1616 01:18:47.479 --> 01:18:50.880 cat was probably twenty five hundred dollars they put into that, 1617 01:18:51.840 --> 01:18:55.720 and they didn't charge you on it, right, No, they 1618 01:18:55.720 --> 01:18:57.600 didn't even have to do that. The one thing I'm 1619 01:18:57.640 --> 01:18:59.760 sure they would do is trade you out of it. 1620 01:19:00.319 --> 01:19:02.319 I bet if you went back down there and said, hey, 1621 01:19:02.359 --> 01:19:04.560 will you trade me out? But you might you might 1622 01:19:04.640 --> 01:19:09.520 not end up in a better vehicle when you're done 1623 01:19:09.600 --> 01:19:11.439 for that kind of money. How much was that thing? 1624 01:19:11.479 --> 01:19:13.640 I mean it must have been, you know, fairly cheap 1625 01:19:13.680 --> 01:19:15.199 as far as today's vehicles go. 1626 01:19:17.119 --> 01:19:20.359 No, it was our loan we got finance was close 1627 01:19:20.399 --> 01:19:23.560 to when said it done, It was like ten ten 1628 01:19:23.600 --> 01:19:24.520 thousand and two. 1629 01:19:24.800 --> 01:19:31.199 And how much did you put down five hundred, So 1630 01:19:31.279 --> 01:19:33.279 it was like it was like a twelve thirteen thousand 1631 01:19:33.279 --> 01:19:36.640 dollars car, right, and it's got a new cat. And 1632 01:19:36.680 --> 01:19:39.000 think about this, you got a warranty on that engine. 1633 01:19:39.079 --> 01:19:40.880 What I'm trying to drill through your head is you're 1634 01:19:40.920 --> 01:19:42.920 not in a bad shape. I wouldn't look at it 1635 01:19:42.960 --> 01:19:45.960 as a ticking time bomb. I would look at it as, man, 1636 01:19:46.000 --> 01:19:47.880 I hope this engine does go out, then I got 1637 01:19:47.880 --> 01:19:49.880 a brand new engine in here. And then if it 1638 01:19:49.920 --> 01:19:52.920 doesn't go out by one hundred and fifty thousand miles, 1639 01:19:53.600 --> 01:19:56.199 I think it was probably built pretty damn solid and 1640 01:19:56.279 --> 01:19:59.119 taken care of over the years. The maintenance was probably 1641 01:19:59.159 --> 01:20:02.319 done on it. So honestly, I think you're in good shape, man, 1642 01:20:02.319 --> 01:20:05.600 But there's nothing you can do besides trade yourself out 1643 01:20:05.600 --> 01:20:07.680 of it. Maybe call him up and say, hey, I 1644 01:20:07.680 --> 01:20:09.800 don't like what's going on. I wish you guys told 1645 01:20:09.800 --> 01:20:12.439 me about this engine. Would you at least give me 1646 01:20:13.039 --> 01:20:15.319 twelve thousand on the trade? And if I come down 1647 01:20:15.359 --> 01:20:17.560 and buy something else, I mean you can ask them. 1648 01:20:17.600 --> 01:20:22.479 Maybe they'll come close to doing that. I understand, But 1649 01:20:22.560 --> 01:20:25.199 that's it, man. Thank you very much. Yeah, Andrew, I 1650 01:20:25.560 --> 01:20:28.079 appreciate the call, and really I want you to remember 1651 01:20:28.159 --> 01:20:30.960 you're not in a bad position. Jeff, you're up next. 1652 01:20:31.000 --> 01:20:34.399 We've got two lines open, three zero three Martino, three 1653 01:20:34.399 --> 01:20:37.319 to zero three Martino. I talk to Jeff during the 1654 01:20:37.319 --> 01:20:39.479 break a little. Brian. I think it's got something to 1655 01:20:39.520 --> 01:20:42.760 do with his house, and I don't know if he 1656 01:20:42.880 --> 01:20:45.079 said drugs, but we'll find out after this. 1657 01:20:51.359 --> 01:20:54.600 Go with a sure thing Denver's Best roofer Excel Roofing 1658 01:20:54.720 --> 01:20:57.359 dot com. You don't pay a cent until you're content. 1659 01:21:00.720 --> 01:21:03.920 Time for an insurance check up free, no obligation. In comparison, 1660 01:21:04.039 --> 01:21:07.600 call Compass Insurance paying too much your coverage at dozens 1661 01:21:07.640 --> 01:21:10.359 of insurance companies find out now three oh three, seven 1662 01:21:10.399 --> 01:21:12.720 to seven to one help. You'll think you're his only 1663 01:21:12.800 --> 01:21:15.279 customer when you choose Frank durand the real estate Man 1664 01:21:15.319 --> 01:21:18.720 dot com to list your home with Remax Alliance three 1665 01:21:18.800 --> 01:21:28.319 oh three nine two zero sixteen twenty two. 1666 01:21:25.399 --> 01:21:27.479 All right three O three seven one three A two 1667 01:21:27.520 --> 01:21:31.560 five five three oh three Martino. Robert Bruce with Integrity 1668 01:21:31.600 --> 01:21:36.159 Electric Home Improvements is with his too, Brian Burns Compass Insurance. 1669 01:21:36.439 --> 01:21:39.239 But what was interesting they were asking about the craziest 1670 01:21:39.239 --> 01:21:43.960 calls over the year dragon on our YouTube channel plays 1671 01:21:44.000 --> 01:21:45.640 this all the time. Go ahead and play it. 1672 01:21:47.000 --> 01:21:49.000 Yeah, I can't go number two anymore. 1673 01:21:49.560 --> 01:21:52.760 I can't go number two anymore. And that is Drew. 1674 01:21:52.840 --> 01:21:55.760 Drew's been calling the show forever. He's a frequent caller, 1675 01:21:56.079 --> 01:21:59.279 and he called up wanting to sue a pharmacist. I 1676 01:21:59.319 --> 01:22:02.119 think it was the or Walgreens or somewhere. Apparently the 1677 01:22:02.159 --> 01:22:05.920 pharmacists gave him the wrong medication and he could no 1678 01:22:06.000 --> 01:22:10.079 longer go number two anymore. And we kept telling him, well, 1679 01:22:10.079 --> 01:22:13.000 we don't know what the damages will be, because surely 1680 01:22:13.039 --> 01:22:15.920 at some point you're gonna go either he's fixed or 1681 01:22:15.960 --> 01:22:18.720 he's dead. Yeah, you're you're either gonna go number two 1682 01:22:18.800 --> 01:22:21.279 or you're gonna die. And now if you die, maybe 1683 01:22:21.319 --> 01:22:24.760 your heirs can go after the pharmacists. But we would think, 1684 01:22:25.239 --> 01:22:28.880 what is it? A suppository would probably work. I mean, 1685 01:22:29.079 --> 01:22:33.720 he needs a major enema, a major anima, like a hose, like. 1686 01:22:33.720 --> 01:22:35.680 The kind of give you before a colonoscopy. 1687 01:22:36.000 --> 01:22:38.600 All right, Jeff, Now explain what's going on on this 1688 01:22:38.720 --> 01:22:39.920 homeowner's insurance. 1689 01:22:40.840 --> 01:22:43.720 Yeah, you know, call him for a friend. I want 1690 01:22:43.720 --> 01:22:47.640 to know if if a no good, complete loser, the 1691 01:22:47.680 --> 01:22:51.640 size of smoke drug is a primary residence and gets 1692 01:22:51.640 --> 01:22:54.399 you know, residue on things and eats professional cleanup. 1693 01:22:54.520 --> 01:22:55.520 Hey, what kind of whoa? 1694 01:22:55.520 --> 01:22:55.720 Whoa? 1695 01:22:55.720 --> 01:22:59.720 Whoa? What kind of residue? Are we talking marijuana or math? Like, 1696 01:23:00.199 --> 01:23:03.199 let's say, oh my god, that is a oh wait, 1697 01:23:03.319 --> 01:23:06.640 I know what you're going to say, Brian. Most policies 1698 01:23:06.680 --> 01:23:07.279 don't cover that. 1699 01:23:07.399 --> 01:23:11.079 Yeah, not the chemical type of compounds. And they they 1700 01:23:11.399 --> 01:23:16.680 have added in language to exclude damage for that kind 1701 01:23:16.720 --> 01:23:22.760 of loss. So you usually I actually had a rental 1702 01:23:22.760 --> 01:23:25.840 home it's called a dwelling fire policy that did cover 1703 01:23:25.920 --> 01:23:29.399 it because it's just it was a very anniquated policy 1704 01:23:29.399 --> 01:23:33.039 that had renewed over the years. But homeowner policies have 1705 01:23:33.039 --> 01:23:35.000 have exclusions for that kind of loss. 1706 01:23:35.199 --> 01:23:37.800 How about does he does he have rents insurance? Would 1707 01:23:37.840 --> 01:23:38.600 that come into play? 1708 01:23:38.960 --> 01:23:42.000 No, it wouldn't. Now liability wise, usually the only thing 1709 01:23:42.039 --> 01:23:45.960 renter's policies liability will cover is fire fire damage that 1710 01:23:46.000 --> 01:23:46.560 you caused. 1711 01:23:46.560 --> 01:23:49.159 But give us what happened, Jeff. 1712 01:23:50.000 --> 01:23:54.359 Primary primary residence. You know, like I said, somebody came 1713 01:23:54.399 --> 01:23:56.880 in decided that they were you know, they had to 1714 01:23:56.880 --> 01:23:58.880 do this and couldn't go outside and do it, and 1715 01:23:59.479 --> 01:24:03.600 basically coated the walls with you know, bad stuff. 1716 01:24:03.880 --> 01:24:06.119 God is so bad, man, it really is bad. You're 1717 01:24:06.159 --> 01:24:10.159 not joking it. It really does do an incredible damage. 1718 01:24:10.199 --> 01:24:13.199 You got to call a restoration company or he does. 1719 01:24:13.680 --> 01:24:15.880 That's pretty bad because you know, once you do that, 1720 01:24:15.960 --> 01:24:18.079 you get on a list and then the state knows 1721 01:24:18.119 --> 01:24:20.840 about everything and it's not going to be cool. 1722 01:24:20.880 --> 01:24:24.800 So for no, no, but be oh for a one 1723 01:24:24.800 --> 01:24:26.800 time event, maybe not. But I mean, if they were 1724 01:24:26.880 --> 01:24:31.359 cooking in there, I'm going to tell you how bad 1725 01:24:31.399 --> 01:24:34.560 meth is on car insurance, okay, and they don't exclude 1726 01:24:34.560 --> 01:24:37.439 it on this case. And you know this, Brian. You 1727 01:24:37.479 --> 01:24:40.880 could have a brand new, fifty thousand dollars car, brand new, 1728 01:24:41.079 --> 01:24:44.600 and it gets stolen and they start smoking meth in 1729 01:24:44.640 --> 01:24:48.520 that car. That car, when it gets recovered, let's say 1730 01:24:48.520 --> 01:24:51.119 the only damage is the fact they were smoking meth. 1731 01:24:51.520 --> 01:24:55.039 A lot of times, they will total that vehicle because basically, 1732 01:24:55.079 --> 01:25:01.079 it costs more to clean it if it's not impossible, basically, right, Yeah, 1733 01:25:01.840 --> 01:25:05.199 all right, Jeff, appreciate the call, brother, thank you, thank you. 1734 01:25:05.399 --> 01:25:08.760 That sucks. So I remember asking you that in the past. 1735 01:25:09.279 --> 01:25:14.199 So when it comes to homeowners and most rental policies, yeah, 1736 01:25:14.239 --> 01:25:17.760 they're screwed there. Yeah, and rental home policies sometimes will 1737 01:25:17.800 --> 01:25:19.840 have it just because it's a tenant that's in there. 1738 01:25:19.880 --> 01:25:22.960 It's in other words, it's not under your care custody 1739 01:25:22.960 --> 01:25:25.800 control at the time. If it's your primary home and 1740 01:25:25.840 --> 01:25:28.560 it's a visitor you're bringing in, or it's you yourself, 1741 01:25:28.640 --> 01:25:30.279 of course they're not going to cover. Well, how about 1742 01:25:30.279 --> 01:25:33.960 your primary residence and you're on a long trip and 1743 01:25:34.079 --> 01:25:36.960 someone starts camping out or squatting rates in your. 1744 01:25:36.880 --> 01:25:39.119 House and does this is it covered? No, because it's 1745 01:25:39.159 --> 01:25:42.199 still the same language on the CAEL it's the chemical exclusion. 1746 01:25:42.279 --> 01:25:44.760 Yeah, we hear about that in California. I mean it 1747 01:25:44.880 --> 01:25:48.800 happens out here. We have a listener that's on YouTube 1748 01:25:48.840 --> 01:25:51.640 all the time. This homeless guy basically moved into his 1749 01:25:51.680 --> 01:25:55.119 garage and wouldn't leave, And Denver was like, They're like, well, 1750 01:25:55.159 --> 01:25:58.159 you know, he's kind of he's now a resident of 1751 01:25:58.199 --> 01:26:00.159 your garage. I mean, he had to go through a 1752 01:26:00.199 --> 01:26:03.199 proper eviction. It was crazy. But I mean, so if 1753 01:26:03.239 --> 01:26:05.920 I'm out of town and a bunch of homeless people 1754 01:26:05.960 --> 01:26:09.399 break into our house and live there and start smoking meth, 1755 01:26:09.920 --> 01:26:11.359 cooking meth, right. 1756 01:26:11.720 --> 01:26:14.000 I don't have covering, not for that. Now, if they 1757 01:26:14.239 --> 01:26:16.000 let's say they started to fire, they broke in and 1758 01:26:16.000 --> 01:26:16.439 started firing. 1759 01:26:16.600 --> 01:26:19.199 I know I'm talking just but Holy. 1760 01:26:20.000 --> 01:26:23.199 If there's an exclusion on a policy, it doesn't really 1761 01:26:23.239 --> 01:26:27.479 matter how it comes about. If that exclusion is what 1762 01:26:27.640 --> 01:26:30.560 is the cause of loss, you're you're it's still valid. 1763 01:26:30.600 --> 01:26:33.119 But if I have a rental, you have companies that 1764 01:26:33.199 --> 01:26:35.600 I could get rental insurance that would cover me. 1765 01:26:35.920 --> 01:26:38.640 There's some that have not updated their policies yet to 1766 01:26:38.760 --> 01:26:41.159 tell an exclusion. You'll probably find that they do. 1767 01:26:41.319 --> 01:26:43.920 All right, three oh three seven one three eight two 1768 01:26:43.960 --> 01:26:45.640 five five, Ron, what is your question? 1769 01:26:47.920 --> 01:26:53.880 Yes, I need I have a question about an accident, 1770 01:26:53.880 --> 01:26:54.560 and I'm working with. 1771 01:26:56.119 --> 01:26:56.199 You. 1772 01:26:56.279 --> 01:27:02.239 Keep hitting buttons, Ryan Ran, Yeah, what happened? It's all right, 1773 01:27:02.279 --> 01:27:05.600 you keep hitting bart called us you're good. 1774 01:27:07.319 --> 01:27:07.560 Rin. 1775 01:27:10.680 --> 01:27:14.359 How odd was that? I yeah, let's just uh. I'll 1776 01:27:14.399 --> 01:27:16.359 put him on hold. I'd love to answer his question. 1777 01:27:16.399 --> 01:27:19.399 And he's got an accident in a parking lot. I 1778 01:27:19.399 --> 01:27:22.159 have no idea. But while Kelly's screening, these other calls 1779 01:27:22.199 --> 01:27:26.760 coming up. Robert Bruce, owner of Integrity Electric Home Improvements. 1780 01:27:26.760 --> 01:27:29.439 You're a handyman and you can go out. Make sure 1781 01:27:29.479 --> 01:27:30.920 you have your mic on, get in front of them. 1782 01:27:31.199 --> 01:27:33.079 And he's been on a referral list since O wait, 1783 01:27:33.199 --> 01:27:36.079 complaint free. I don't remember one complaint ever. You can 1784 01:27:36.159 --> 01:27:40.640 do electrical work, of course you can do. You might 1785 01:27:40.680 --> 01:27:43.840 not do like a full basement, but you would go 1786 01:27:43.920 --> 01:27:47.119 down and install maybe new fixtures, put a ceiling fan in, 1787 01:27:47.199 --> 01:27:50.199 stuff like that. Oh yeah, and you know what's the 1788 01:27:50.239 --> 01:27:52.600 biggest call you get as a handyman, like swap out 1789 01:27:52.600 --> 01:27:54.720 a ceiling fan. Well, it used to be. 1790 01:27:54.800 --> 01:27:57.359 Like I'd go put lights in for a kitchen on 1791 01:27:57.399 --> 01:28:01.600 our kitchen remodel, got it, and it just came to 1792 01:28:01.159 --> 01:28:04.680 the to the point where they would have to hire 1793 01:28:05.079 --> 01:28:06.279 a drywall guy. 1794 01:28:06.520 --> 01:28:08.359 So you do all that, So I do it all. 1795 01:28:08.439 --> 01:28:12.000 I ended up just so you can do payark drywall work. Yeah, 1796 01:28:12.119 --> 01:28:14.600 it's just one stop shopping and then you could do 1797 01:28:14.680 --> 01:28:19.000 light fixtures, ceiling fans. How about car chargers? How about 1798 01:28:19.000 --> 01:28:20.279 someone buys an electric car. 1799 01:28:20.439 --> 01:28:22.800 Absolutely, that's a big one out there right now. That's 1800 01:28:22.840 --> 01:28:24.119 Huges and electric cars. 1801 01:28:24.119 --> 01:28:26.159 So you can put the breaker in for it, run 1802 01:28:26.199 --> 01:28:28.960 it up, whether it's the thirty amp, fifty amp, whatever 1803 01:28:28.960 --> 01:28:32.600 they want. Yeah, that is cool man. What other things 1804 01:28:32.640 --> 01:28:36.000 do you get? Called for a handyman, of course, not landscaping. Well, 1805 01:28:36.840 --> 01:28:39.800 like I know, when we first moved into this house, 1806 01:28:39.880 --> 01:28:42.560 I hired a handyman and they came out and they 1807 01:28:42.600 --> 01:28:45.800 swapped out all the light switches. I had all the 1808 01:28:46.119 --> 01:28:48.920 not just the covers to the light switches, but we 1809 01:28:48.960 --> 01:28:51.880 went from the old school to the paddle switches and dimmers. 1810 01:28:52.159 --> 01:28:54.439 So I had someone do all that. That was a handyman. 1811 01:28:55.000 --> 01:28:59.119 That same guy also adjusted all the cabinets. I had 1812 01:28:59.479 --> 01:29:03.600 so old kitchen cabinets, bathroom cabinets. The house was twenty 1813 01:29:03.640 --> 01:29:06.640 years old or ten fifteen years old when we bought it. 1814 01:29:06.920 --> 01:29:09.720 He went through and adjusted all that. He swapped out 1815 01:29:09.720 --> 01:29:12.960 the hardware on the cabinet's meaning the knobs. I mean, 1816 01:29:13.000 --> 01:29:14.239 you do all that kind of stuff. 1817 01:29:14.279 --> 01:29:14.439 You know. 1818 01:29:14.520 --> 01:29:17.960 What I enjoy really doing is, you know, I'll get 1819 01:29:17.960 --> 01:29:21.439 a customer to calls and says, hey, I'm losing power 1820 01:29:21.920 --> 01:29:25.039 and five of my outlets in my bedroom and. 1821 01:29:25.159 --> 01:29:26.960 Yeah, like a GFI problem. 1822 01:29:27.079 --> 01:29:30.359 Yeah, Jeff, Well, I tell you a nice story. 1823 01:29:30.399 --> 01:29:32.079 I'll tell you a nice little story. 1824 01:29:31.760 --> 01:29:35.239 Here with where are you from? Where's that accent? Cleveland? Yeah? Okay, bingo? 1825 01:29:35.479 --> 01:29:35.680 Yeah? 1826 01:29:35.800 --> 01:29:39.079 And no Brown's go Brown's yep. And I like my 1827 01:29:39.159 --> 01:29:39.840 broncos too. 1828 01:29:40.079 --> 01:29:43.640 So uh So he had a newer house and these 1829 01:29:43.680 --> 01:29:45.840 newer houses and now have these arc fault. 1830 01:29:45.640 --> 01:29:47.079 Breakers put in them. Yep. 1831 01:29:47.439 --> 01:29:51.840 So if there is a little tiny gap and you 1832 01:29:51.880 --> 01:29:54.119 don't tighten that screw up quite a bit. 1833 01:29:54.039 --> 01:29:57.000 Yep, it doesn't doesn't work. And it's not hard to say. 1834 01:29:57.039 --> 01:30:00.159 So he went through and redid all his pla in 1835 01:30:00.560 --> 01:30:05.079 similar to what you're calling decry switches and outlets in 1836 01:30:05.359 --> 01:30:10.159 sure did a beautiful job. Hit the breakers, turned it on, 1837 01:30:10.800 --> 01:30:12.920 they went dead to me, no power, no power. 1838 01:30:13.039 --> 01:30:14.239 What did he do well, He. 1839 01:30:14.319 --> 01:30:17.920 Just didn't tighten his screws up on his outlets and 1840 01:30:17.920 --> 01:30:18.319 fixed it. 1841 01:30:18.640 --> 01:30:22.800 Yeah, that's cool. So handy matter great. They're hard to find, 1842 01:30:22.840 --> 01:30:25.640 and I'm glad you started doing that. I put you 1843 01:30:25.680 --> 01:30:28.399 under the handyman category not long ago, because for a 1844 01:30:28.399 --> 01:30:31.920 while you were only under electric because basically, like you said, 1845 01:30:31.960 --> 01:30:35.199 that's all you did. So anybody out there, ceiling fans anything, 1846 01:30:35.239 --> 01:30:38.119 you'll come out. Go ahead, Brian, I have a question 1847 01:30:38.199 --> 01:30:43.520 for you, okay. So I have dimmers on our light 1848 01:30:43.560 --> 01:30:46.520 switches in some of the rooms in our houses. It 1849 01:30:46.600 --> 01:30:49.680 drives me crazy that whenever I use the demmer it 1850 01:30:49.960 --> 01:30:53.319 pulses is what is the wait? Wait that we got 1851 01:30:53.319 --> 01:30:55.920 to take this break? But I I know what he's 1852 01:30:56.000 --> 01:30:57.840 talking about, and I want to hear the answer to 1853 01:30:57.880 --> 01:30:59.920 that too, or one of mine. If I turned the 1854 01:31:00.039 --> 01:31:02.840 dimmer all the way down, so what I did, I 1855 01:31:02.840 --> 01:31:05.199 don't know if you did this. I took the old 1856 01:31:05.880 --> 01:31:09.920 recess lights out and I put in led exactly. So 1857 01:31:10.000 --> 01:31:12.680 I did that, but now just on some of them, 1858 01:31:13.000 --> 01:31:16.640 actually only on three of them, four of them when 1859 01:31:16.680 --> 01:31:18.720 I turn the dimmer all the way down. None of 1860 01:31:18.720 --> 01:31:21.680 the other ones in the house do this, just this fixture, 1861 01:31:21.680 --> 01:31:24.000 and they're all tied together. When I bring it all 1862 01:31:24.000 --> 01:31:26.880 the way down at night when it's dark, there's a 1863 01:31:27.039 --> 01:31:30.439 little light still, just a little tiny bit of light, 1864 01:31:30.800 --> 01:31:32.720 and it drives me crazy. Hold on. 1865 01:31:38.159 --> 01:31:41.439 Go with a sure thing Denver's Best roofer Excel roofing 1866 01:31:41.520 --> 01:31:44.159 dot com. You don't pay a cent until you're content. 1867 01:31:47.560 --> 01:31:50.720 Time for an insurance check up free, no obligation. In comparison, 1868 01:31:50.880 --> 01:31:54.439 call Compass insurance paying too much your coverage at dozens 1869 01:31:54.439 --> 01:31:57.159 of insurance companies. Find out now three O three, seven 1870 01:31:57.199 --> 01:31:59.520 to seven to one help. You'll think you're his only 1871 01:31:59.600 --> 01:32:02.079 customer when you choose Frank durand the real estate man 1872 01:32:02.119 --> 01:32:05.520 dot com to list your home with Remax Alliance three 1873 01:32:05.600 --> 01:32:08.399 oh three nine two zero sixteen twenty two. 1874 01:32:09.039 --> 01:32:11.760 All right, three three seven one three eight two five five. 1875 01:32:11.800 --> 01:32:13.479 I'll let you know when a line's open. We've got 1876 01:32:13.479 --> 01:32:16.520 a lot cooking. Where did we leave off, guys, I'm 1877 01:32:16.560 --> 01:32:19.600 gonna hop over to Ron's got a question. 1878 01:32:20.039 --> 01:32:21.920 Well, you were going to finish the question that we 1879 01:32:21.960 --> 01:32:26.079 had given Robert here about the dimming lights. 1880 01:32:26.279 --> 01:32:29.640 Oh yeah, man, So when I turned down, I swapped out. 1881 01:32:29.760 --> 01:32:32.439 I did not swap out the fixtures. So we have 1882 01:32:32.560 --> 01:32:37.279 these recess lights on this ceiling that's like twenty feet high. Okay, 1883 01:32:37.319 --> 01:32:40.039 in our family room and there's four lights that are 1884 01:32:40.079 --> 01:32:44.439 recessed with bulbs like these basically, but I swapped those 1885 01:32:44.479 --> 01:32:49.159 out when we moved in, including the entire house with LEDs. So, 1886 01:32:49.560 --> 01:32:53.880 but that particular room, all four of those different can lights, 1887 01:32:54.239 --> 01:32:56.039 all four of them, when I turned the lights all 1888 01:32:56.079 --> 01:32:59.039 the way down. For the love of God, I have 1889 01:32:59.159 --> 01:33:04.159 no idea why they're still on barely, just just barely. 1890 01:33:04.239 --> 01:33:06.960 But all the other lights in the hallways with dimmers 1891 01:33:07.159 --> 01:33:09.359 in the bedroom, all the other lights don't do it. 1892 01:33:09.920 --> 01:33:11.000 Why would that happen. 1893 01:33:11.199 --> 01:33:14.039 So if you take that plate off of that dimmer, 1894 01:33:14.640 --> 01:33:17.600 you'll see there's a little dial on the dimmer on 1895 01:33:17.680 --> 01:33:18.319 the back of it. 1896 01:33:18.600 --> 01:33:21.079 Yeah, that's not exposed to well, these are. 1897 01:33:20.960 --> 01:33:22.960 Like, okay, I want to make sure you get it. 1898 01:33:22.960 --> 01:33:26.800 It's a paddle dimmer, So you hold it and basically 1899 01:33:26.840 --> 01:33:29.279 it goes down, or you hold it and it goes up. 1900 01:33:29.359 --> 01:33:33.359 And oftentimes there's a little When you take that all apart, 1901 01:33:34.439 --> 01:33:36.720 there's a little dial in there that you can dial 1902 01:33:36.760 --> 01:33:37.239 it down. 1903 01:33:37.399 --> 01:33:40.479 So another word at that is not to go to zero. 1904 01:33:40.640 --> 01:33:42.439 It's set to go to one for lack of. 1905 01:33:42.359 --> 01:33:45.239 The bet mightn't be just because of the new dimmer 1906 01:33:45.239 --> 01:33:46.319 switch that you put in. 1907 01:33:46.319 --> 01:33:48.920 Yeah, which would be at the same time. Right, Oh 1908 01:33:49.000 --> 01:33:49.520 my god. 1909 01:33:49.760 --> 01:33:53.399 My problem's different. Mine is the lights. Whenever I use 1910 01:33:53.520 --> 01:33:55.880 the dimmer, you try to bring it down a little 1911 01:33:55.880 --> 01:33:58.680 bit and it like pulsations. But they're LEDs, right, they're 1912 01:33:58.680 --> 01:34:00.720 all LED's same type of thing that got Trent. 1913 01:34:01.039 --> 01:34:01.319 You know. 1914 01:34:02.800 --> 01:34:06.560 A lot of times it's the lamp is not dimmable, 1915 01:34:07.000 --> 01:34:11.760 so they'll sell you an LED light bulb that's not dimmable. 1916 01:34:12.159 --> 01:34:14.920 So got to buy a dimmable light bulb. 1917 01:34:14.720 --> 01:34:18.399 Now, So it it does dim, but it but you're 1918 01:34:18.439 --> 01:34:21.640 saying just because it dims, but that pulsating is meaning 1919 01:34:21.680 --> 01:34:22.800 that's probably not the right light. 1920 01:34:23.279 --> 01:34:27.279 I actually I did exactly what you did. I was 1921 01:34:27.359 --> 01:34:30.640 at Costco when we did those paddles way back when. 1922 01:34:31.000 --> 01:34:34.960 In the first set of LEDs I bought would not dim. 1923 01:34:35.159 --> 01:34:38.560 They were either like I don't remember him blinking, but 1924 01:34:38.600 --> 01:34:42.359 this is fifteen ten years ago, but they would not work. 1925 01:34:42.720 --> 01:34:46.439 And I went back and they literally said dimmable on them, right, 1926 01:34:46.479 --> 01:34:48.640 and they work perfect except for the ones we just 1927 01:34:48.920 --> 01:34:49.399 look and see. 1928 01:34:49.399 --> 01:34:52.479 I obviously had a contractor that redid all of our lighting. 1929 01:34:52.560 --> 01:34:55.600 But they put these in and they do dim. They 1930 01:34:55.640 --> 01:34:58.119 do dim, but when you stop it where you want 1931 01:34:58.159 --> 01:35:01.560 it to be. Yeah, there's just like this. This likes 1932 01:35:01.600 --> 01:35:04.960 kind of almost like an old fluorescent. It's kind of 1933 01:35:05.000 --> 01:35:06.239 weird crazy. 1934 01:35:06.399 --> 01:35:11.039 So is it possible though, that the actual can itself 1935 01:35:11.199 --> 01:35:14.319 can't handle dimming or no? No, it's it's just not 1936 01:35:14.399 --> 01:35:14.760 a deal. 1937 01:35:14.880 --> 01:35:18.079 Well, it depends if it's a saucer. Now, if it's 1938 01:35:18.119 --> 01:35:22.439 a regular can you know you have an incandescent light 1939 01:35:22.479 --> 01:35:26.039 bull been there LED or fluorescen if you had you know, 1940 01:35:26.439 --> 01:35:28.640 like the fluorescence, they weren't No. 1941 01:35:28.720 --> 01:35:30.960 That's not what he's talking about. You're talking to can light. 1942 01:35:31.560 --> 01:35:33.439 Yeah, I mean it's one of those that you you 1943 01:35:33.640 --> 01:35:36.760 it's recessed in. You screwed it in, but it's it's 1944 01:35:36.800 --> 01:35:40.840 a transformer to change it into where you got saucer then. 1945 01:35:40.960 --> 01:35:43.720 Yeah, okay, so you don't have a light bulb, you 1946 01:35:43.800 --> 01:35:44.800 have a saucer. 1947 01:35:44.880 --> 01:35:47.239 That's right. I have a saucer that it's probably not, 1948 01:35:48.199 --> 01:35:50.319 probably not. It goes back to what you said. You 1949 01:35:50.399 --> 01:35:51.640 got to find a dimmobile one. 1950 01:35:51.760 --> 01:35:55.239 All right, I'll look at dimmer switch is bad too, 1951 01:35:55.439 --> 01:35:58.319 or you could lights. All the lights do this. They're 1952 01:35:58.359 --> 01:36:01.840 all the same sort of yeah, it's and they're all 1953 01:36:01.880 --> 01:36:02.439 the same white. 1954 01:36:02.640 --> 01:36:05.399 It's got to be the bulbs. Yeah, you know what 1955 01:36:05.479 --> 01:36:09.199 you could do. Man, you don't have one in your hat? 1956 01:36:09.279 --> 01:36:11.920 Do you have just a regular LED bulb in your 1957 01:36:11.920 --> 01:36:12.920 house like in a lamp. 1958 01:36:14.319 --> 01:36:14.560 Oh? 1959 01:36:14.640 --> 01:36:17.720 Man, if you did, maybe in the bathroom up on 1960 01:36:17.800 --> 01:36:20.199 the thing, you could put it in there. Put one 1961 01:36:20.199 --> 01:36:22.840 in there and see if it actually dims if you 1962 01:36:22.960 --> 01:36:25.319 have one, and if not, just hit Costco for whatever 1963 01:36:25.399 --> 01:36:25.920 reason you got. 1964 01:36:26.159 --> 01:36:29.439 Because you can interchange that between that driver. That box 1965 01:36:29.600 --> 01:36:33.239 that's for the LED, that's called a driver, much like 1966 01:36:33.279 --> 01:36:35.520 a ballast would be full fluorescent light. 1967 01:36:36.079 --> 01:36:39.520 Costco, by the way, is the cheapest for light bulbs anywhere. 1968 01:36:39.760 --> 01:36:43.000 We just bought new ones for all the bathrooms. You 1969 01:36:43.039 --> 01:36:45.680 can have a little switch on the side that does 1970 01:36:45.720 --> 01:36:48.159 four different things, four different what do they call them? 1971 01:36:48.199 --> 01:36:52.880 Frequency, the color of the switch, whether it's warm or. 1972 01:36:52.840 --> 01:36:59.199 Bright, exactly daylight whatever. So, uh, six pack of those Okay, 1973 01:36:59.239 --> 01:37:01.680 I forget how many. Maybe they're forty one or like 1974 01:37:01.760 --> 01:37:05.079 forty however they call it with the switches is like 1975 01:37:05.279 --> 01:37:09.199 six bucks. There is no place cheaper to buy led 1976 01:37:09.359 --> 01:37:11.520 lights in Costco, and I have no idea why they 1977 01:37:11.520 --> 01:37:14.239 have the deal. Ron, what's your question for Compass? Then? 1978 01:37:14.359 --> 01:37:17.159 Warren Emery and Charlie, you guys are next, Go ahead, Ron. 1979 01:37:18.399 --> 01:37:22.239 Yes, this past Monday, I was ended in a Kings 1980 01:37:22.239 --> 01:37:26.520 Soupers parking lot. The driver was at the others. I 1981 01:37:26.720 --> 01:37:28.119 was at a fault and he said he was not 1982 01:37:28.239 --> 01:37:31.239 going to call his insurance companies, who didn't mean to call. 1983 01:37:31.279 --> 01:37:35.279 Mine, So he's saying it was your fault. You guys 1984 01:37:35.279 --> 01:37:36.479 are at an impass. 1985 01:37:37.359 --> 01:37:39.439 Oh he didn't say that because he said he was 1986 01:37:39.439 --> 01:37:42.119 falling too close to me. But I think I must 1987 01:37:42.159 --> 01:37:45.279 be a reason he doesn't want to to contact his 1988 01:37:45.359 --> 01:37:50.479 insurance company. So I contact us. This insurance county is USAA. Yeah, 1989 01:37:51.039 --> 01:37:54.960 so I talked to the agent there and they said 1990 01:37:55.680 --> 01:37:56.840 he is not responding to them. 1991 01:37:56.960 --> 01:37:57.239 Quist. 1992 01:37:57.640 --> 01:38:00.399 Oh, that's a hold on. Hold on, this is you 1993 01:38:00.560 --> 01:38:03.399 are in a quagmire, and this is very interesting. We've 1994 01:38:03.439 --> 01:38:05.720 had this call quite a bit over the years, Brian. 1995 01:38:07.119 --> 01:38:09.319 Good news, bad news. We know how to fix it, 1996 01:38:09.920 --> 01:38:12.159 but it's a little complicated. Hold on. 1997 01:38:17.560 --> 01:38:20.800 Go with a sure thing Denver's Best roofer Excel Roofing 1998 01:38:20.920 --> 01:38:21.520 dot com. 1999 01:38:21.560 --> 01:38:23.560 You don't pay a cent until you're content. 2000 01:38:26.960 --> 01:38:30.119 Time for an insurance check up, free no obligation comparison 2001 01:38:30.279 --> 01:38:33.840 call Compass Insurance paying too much your coverage at dozens 2002 01:38:33.840 --> 01:38:36.560 of insurance companies find out now three oh three seven 2003 01:38:36.600 --> 01:38:38.920 to seven to one help. You'll think you're his only 2004 01:38:39.000 --> 01:38:41.479 customer when you choose Frank durand the real estate Man 2005 01:38:41.520 --> 01:38:44.920 dot com to list your home with Remax Alliance three 2006 01:38:45.000 --> 01:38:47.119 oh three nine two zero sixteen twenty two. 2007 01:38:49.720 --> 01:38:51.880 All right, three oh three seven one three A two 2008 01:38:51.920 --> 01:38:54.119 five five. Ron's got a big issue, man. There is 2009 01:38:54.239 --> 01:38:59.560 no doubt about it. Ron until the other driver contacts 2010 01:38:59.600 --> 01:39:02.439 here and Ssurance company or answers the phone when they call. 2011 01:39:02.920 --> 01:39:06.600 There's nothing that insurance company is going to do. Period, 2012 01:39:06.680 --> 01:39:08.760 end of story. Brian kind of explain that quick. 2013 01:39:08.920 --> 01:39:12.640 Yeah, this is not an abnormal thing, especially with parking 2014 01:39:12.680 --> 01:39:16.760 lot accidents. Is that because there's no ticket involved. If 2015 01:39:16.800 --> 01:39:19.760 you're trying to get money from their insurance company, they're 2016 01:39:19.800 --> 01:39:22.319 always going to have to talk to their insured first. 2017 01:39:22.359 --> 01:39:24.720 If they're insured, isn't going to talk to you. They're 2018 01:39:24.760 --> 01:39:27.359 not going to make any kind of effort beyond that. 2019 01:39:27.520 --> 01:39:29.920 So your only option is to either turn it into 2020 01:39:29.920 --> 01:39:35.039 your own insurance yep, unless they'll subrogate, or you sue 2021 01:39:35.039 --> 01:39:37.680 that person because that will wake them up, that will 2022 01:39:37.720 --> 01:39:38.560 make them respond. 2023 01:39:38.680 --> 01:39:41.119 If it's under seventy five hundred andan you know where 2024 01:39:41.119 --> 01:39:44.119 they are. The easiest way to do it is small claims. 2025 01:39:44.159 --> 01:39:46.159 I mean you can fill out to paperwork and trip 2026 01:39:46.159 --> 01:39:48.960 lock it right on a website and then you go 2027 01:39:49.039 --> 01:39:52.199 down to the county where the accident happened, or the 2028 01:39:52.239 --> 01:39:55.640 county where that person lives if it's different, and basically 2029 01:39:55.680 --> 01:39:59.079 get them served. And anybody can serve them except you. 2030 01:39:59.079 --> 01:40:01.920 Your wife could serve them, for example, your neighbor, your friend, 2031 01:40:02.000 --> 01:40:06.479 but not you or whoever's suing, and then they're going 2032 01:40:06.560 --> 01:40:09.079 to be forced to call their insurance company and get 2033 01:40:09.119 --> 01:40:11.359 the ball rolling. Or they're going to show up to 2034 01:40:11.479 --> 01:40:14.319 small claims and you're going to prove your case and 2035 01:40:14.359 --> 01:40:17.560 get a judgment. Then they're going to call their insurance company. 2036 01:40:17.600 --> 01:40:20.760 But I'll tell you this, especially like I said in 2037 01:40:21.439 --> 01:40:25.680 parking lots, the story will change. Oh they're going to say, well, 2038 01:40:25.720 --> 01:40:26.920 I wasn't following too close. 2039 01:40:27.000 --> 01:40:29.760 So well that made me nervous, by the way, Ron 2040 01:40:29.840 --> 01:40:33.439 when you said that, because I have never heard in 2041 01:40:33.520 --> 01:40:37.560 an accident on a public road where a police officer 2042 01:40:37.680 --> 01:40:44.000 shows up where the following two close basically got off. Yeah. 2043 01:40:44.039 --> 01:40:47.159 I mean you know, oh he rear ended you, right, 2044 01:40:49.720 --> 01:40:50.920 I was at the. 2045 01:40:50.920 --> 01:40:53.079 Stop signing trying to get out of the fucking lot, 2046 01:40:53.800 --> 01:41:00.199 and he saw me. Well it's a street and just 2047 01:41:00.279 --> 01:41:03.039 things fath and hit me, you know, right in the rear. 2048 01:41:03.279 --> 01:41:06.039 Yeah, that's just that's a pretty easy one to show 2049 01:41:06.079 --> 01:41:10.039 his fault in. Yeah, I think you're you're probably good there, 2050 01:41:10.039 --> 01:41:11.760 But it's up to you whether you'd want to go 2051 01:41:11.840 --> 01:41:15.800 through the whole suing him small claims court. Some people 2052 01:41:15.920 --> 01:41:17.680 just say I'll just turn it into my own insurance. 2053 01:41:17.720 --> 01:41:19.520 I'll let them deal with it, and then you'll have 2054 01:41:19.560 --> 01:41:22.560 to pay your deductible. It will not count against you though. 2055 01:41:22.600 --> 01:41:24.640 In other words, your rates will not go up due 2056 01:41:24.680 --> 01:41:26.399 to that because it was not your fault. 2057 01:41:26.920 --> 01:41:31.119 And the first dollar that they recover through subrogation will 2058 01:41:31.119 --> 01:41:35.319 go to you towards that deductible. So eventually you'll get 2059 01:41:35.319 --> 01:41:36.000 your money back. 2060 01:41:36.439 --> 01:41:38.800 But if they get their money, if they are able 2061 01:41:38.840 --> 01:41:41.640 to successfully sub regorse, yeah. 2062 01:41:41.359 --> 01:41:43.199 And then here's the other thing though, this is just 2063 01:41:43.239 --> 01:41:45.239 for other people around a lot of the parking lots 2064 01:41:45.239 --> 01:41:48.119 where Brian was going, like I'm backing out of the 2065 01:41:48.159 --> 01:41:51.680 space and someone's pulling in and we're both moving and 2066 01:41:51.760 --> 01:41:54.319 hit each other. A lot of times that becomes a 2067 01:41:54.439 --> 01:41:57.760 fifty to fifty deal. Absolutely, everybody goes through their own 2068 01:41:57.800 --> 01:42:01.199 insurance company, even though all of us know it was 2069 01:42:01.239 --> 01:42:02.920 one of their faults. Someone wasn't pay. 2070 01:42:03.199 --> 01:42:05.680 I'll even say at the at the moment, oh that's 2071 01:42:05.680 --> 01:42:06.119 my fault. 2072 01:42:06.119 --> 01:42:06.640 I'm sorry. 2073 01:42:06.640 --> 01:42:09.520 But you give people twenty four hours and I'm telling you, 2074 01:42:09.560 --> 01:42:11.680 their story changes and all of a sudden they're like, 2075 01:42:11.680 --> 01:42:14.199 you know what, maybe I wasn't going too fast there. 2076 01:42:14.359 --> 01:42:18.720 You know, it just changes and we learned recently, this 2077 01:42:18.800 --> 01:42:21.760 one guy called up, uh, the cop gave the other 2078 01:42:21.800 --> 01:42:24.119 guy a ticket to cop wasn't there, but after doing 2079 01:42:24.159 --> 01:42:27.279 the investigation, gave it to him. And then dash cam 2080 01:42:27.399 --> 01:42:31.439 video was fascinating. Man. Dash cam video showed up from 2081 01:42:31.479 --> 01:42:34.720 another driver, a third party that had nothing to do 2082 01:42:34.800 --> 01:42:37.640 with the accident caught it. It took a long time 2083 01:42:37.720 --> 01:42:40.680 for him to get it to whoever needed it. But 2084 01:42:41.000 --> 01:42:44.000 what happened was was actually it was the other guy, 2085 01:42:44.199 --> 01:42:46.560 and the dash cam proved it, and the dash cam 2086 01:42:46.640 --> 01:42:50.199 proved it on and the one guy flipped over like 2087 01:42:50.239 --> 01:42:52.800 three or four times, remember that time. Yeah, yeah. And 2088 01:42:53.000 --> 01:42:53.760 the funny thing. 2089 01:42:53.760 --> 01:42:57.319 Was he said this in the uh, the dashcam footage, 2090 01:42:57.760 --> 01:42:58.920 and we couldn't figure. 2091 01:42:58.640 --> 01:43:01.560 Out why it was. We couldn't find the accident. We 2092 01:43:01.560 --> 01:43:04.079 didn't realize it was the third party dash showing it. 2093 01:43:04.479 --> 01:43:06.359 We didn't even see the accident. But then you could 2094 01:43:06.359 --> 01:43:07.880 see it up in the corner. Once you do it, 2095 01:43:08.000 --> 01:43:09.840 it look that goes back to the dash caps. 2096 01:43:09.920 --> 01:43:10.079 Yeah. 2097 01:43:10.159 --> 01:43:13.319 Yeah, all right, fifty, we've got it. We've got a 2098 01:43:13.479 --> 01:43:16.520 long show. We got another hour coming up. We have 2099 01:43:16.560 --> 01:43:20.279 an issue with the warranty. We have another question for compass, 2100 01:43:20.479 --> 01:43:23.279 issue with getting a title on the WRX and a 2101 01:43:23.399 --> 01:43:26.840 problem with the carpet cleaner. Everybody hanged tight, one line open, 2102 01:43:26.920 --> 01:43:28.640 three oh three Martino. 2103 01:43:29.199 --> 01:43:32.439 Go with a sure thing Denver's best roofer Excel Roofing 2104 01:43:32.560 --> 01:43:33.159 dot com. 2105 01:43:33.199 --> 01:43:33.840 You don't pay a. 2106 01:43:33.840 --> 01:43:38.640 Cent until you're contenth. 2107 01:43:38.560 --> 01:43:41.760 Time for an insurance check up free, no obligation comparison 2108 01:43:41.880 --> 01:43:45.439 call Compass Insurance paying too much your coverage at dozens 2109 01:43:45.479 --> 01:43:48.199 of insurance companies find out now three oh three, seven 2110 01:43:48.199 --> 01:43:50.560 to seven to one help. You'll think you're his only 2111 01:43:50.640 --> 01:43:53.119 customer when you choose Frank durand the real estate Man 2112 01:43:53.159 --> 01:43:56.560 dot com to list your home with Remax Alliance. Three 2113 01:43:56.640 --> 01:44:01.960 oh three nine two zero sixteen twenty two. 2114 01:44:04.199 --> 01:44:08.640 Ripped off News You need advice? 2115 01:44:08.720 --> 01:44:13.640 Who you don't have? Come running just as fast as 2116 01:44:13.680 --> 01:44:14.159 we can. 2117 01:44:15.439 --> 01:44:16.720 Shooter's gonna help. 2118 01:44:17.039 --> 01:44:21.079 Come man, this is the Troubleshooter Show. 2119 01:44:21.720 --> 01:44:26.439 No Tom Martinez, Welcome, Welcome to the only show of 2120 01:44:26.479 --> 01:44:26.760 it's kin. 2121 01:44:26.880 --> 01:44:29.479 We're here to solve problems, answer questions, take complaints. We're 2122 01:44:29.479 --> 01:44:31.039 here to make your life a little bit better. You've 2123 01:44:31.079 --> 01:44:33.960 been ripped off or taken advantage of, we want to 2124 01:44:33.960 --> 01:44:37.159 hear from you. Three oh three seven one three eight 2125 01:44:37.199 --> 01:44:41.520 two five five that is the telephone number. I'm trying 2126 01:44:41.520 --> 01:44:43.399 to think where we left off here, guys, I'm just 2127 01:44:43.479 --> 01:44:45.439 gonna go to the person that's been holding the longest. 2128 01:44:45.479 --> 01:44:47.760 That's Emery. By the way, this hour brought to you 2129 01:44:47.800 --> 01:44:50.840 by Paul the Waterman, the best for less. You realize 2130 01:44:50.880 --> 01:44:54.840 Paul's got systems out there for less than half of 2131 01:44:54.920 --> 01:44:57.800 what the competitors sell. Maybe you're looking for a softener, 2132 01:44:58.119 --> 01:45:01.159 maybe you're looking for this new system not only softens 2133 01:45:01.159 --> 01:45:03.399 the water, it gets rid of the chlorine for your 2134 01:45:03.560 --> 01:45:06.720 entire house. And my favorite part is it gets rid 2135 01:45:06.760 --> 01:45:10.399 of the micro chemicals, the forever chemicals, so the drinking 2136 01:45:10.479 --> 01:45:12.880 water is safe. And that goes for everybody out there. 2137 01:45:12.880 --> 01:45:16.600 It's very important depending on how bad that is. The 2138 01:45:16.680 --> 01:45:20.159 forever chemicals are everywhere. And with this system for thirty 2139 01:45:20.199 --> 01:45:24.600 six hundred dollars all in thirty six hundred bucks, that's 2140 01:45:24.600 --> 01:45:27.119 an incredible price. I still can't believe it. Other companies 2141 01:45:27.159 --> 01:45:30.159 sell that for twelve thirteen thousand. But anyhow, you get 2142 01:45:30.199 --> 01:45:33.720 the idea waterpros dot Net Paul the Waterman great people. 2143 01:45:33.960 --> 01:45:35.960 I've got one of his systems at home. Paul the 2144 01:45:36.039 --> 01:45:41.199 Waterman waterpros dot Net now Emory, what's going on? What's 2145 01:45:41.199 --> 01:45:46.399 the problem with this warranty? Hey, Emory, what's going on? 2146 01:45:46.479 --> 01:45:46.680 Man? 2147 01:45:48.920 --> 01:45:53.039 How about like the god Ram pickup or Ram pickup 2148 01:45:53.479 --> 01:45:57.560 good automation de litter and the agency's looks like twelve 2149 01:45:57.640 --> 01:46:00.920 hundred miles and I had a warranty on it, and 2150 01:46:01.000 --> 01:46:04.439 they keep coming back and saying because I had any 2151 01:46:04.680 --> 01:46:07.439 monitors or read so I could batch my temperatures and 2152 01:46:07.439 --> 01:46:10.560 stuff better. Yeah, and they keep onting That's what the 2153 01:46:10.600 --> 01:46:14.199 cause is. And more of my question is can you 2154 01:46:14.279 --> 01:46:18.199 help me or send me an arection the right lawyer 2155 01:46:18.279 --> 01:46:20.239 to call so I can start legal. 2156 01:46:20.960 --> 01:46:24.039 Yeah, I can do that. Let me ask you some questions, though, Emory. 2157 01:46:24.720 --> 01:46:29.079 When did you buy the vehicle March for March third? 2158 01:46:29.600 --> 01:46:31.159 So you just bought it a couple of months ago. 2159 01:46:31.239 --> 01:46:33.399 Then when you bought it twelve hundred miles later the 2160 01:46:33.439 --> 01:46:35.000 engine seized or went out right? 2161 01:46:36.239 --> 01:46:36.640 Correct? 2162 01:46:36.720 --> 01:46:39.079 What did you add to it? What? What kind of 2163 01:46:39.159 --> 01:46:41.840 things did you add to it? What kind of modifications? 2164 01:46:42.800 --> 01:46:46.319 A monitor call it's by a company called it's holly owned, 2165 01:46:46.359 --> 01:46:48.319 but it's called Edge and it's a CPEES. 2166 01:46:48.560 --> 01:46:51.239 How does it connect? How do you connect that. 2167 01:46:52.399 --> 01:46:53.720 To the OLBB two? 2168 01:46:54.159 --> 01:46:54.319 Oh? 2169 01:46:54.359 --> 01:46:57.279 It just goes through it. Does it actually program it, 2170 01:46:57.319 --> 01:46:59.880 does it like make it faster? Does it tune it? 2171 01:47:00.960 --> 01:47:01.039 No? 2172 01:47:01.560 --> 01:47:04.000 All it does is all it does is light up 2173 01:47:04.000 --> 01:47:08.600 a monitoring screen so you can monitor everything. And you're 2174 01:47:08.680 --> 01:47:12.720 saying because they're denying the coverage on the engine after 2175 01:47:12.760 --> 01:47:16.079 twelve hundred miles, because they're saying you made a modification. 2176 01:47:16.279 --> 01:47:19.479 And somewhere in that contract it probably says if you 2177 01:47:19.560 --> 01:47:22.600 modify anything, they're not going to cover it. Is that 2178 01:47:22.680 --> 01:47:26.560 what they're hanging their hat on. Yes, I think that 2179 01:47:26.760 --> 01:47:28.479 is a bunch of crap. Hold on, I want to 2180 01:47:28.479 --> 01:47:31.640 get Shared and Autotech up, Kelly. See if you can 2181 01:47:31.680 --> 01:47:36.079 get uncle Kevin up. I've got a question for him, 2182 01:47:36.119 --> 01:47:38.479 and then we do have an attorney for you. I 2183 01:47:38.600 --> 01:47:41.359 just want to make sure that product you have does 2184 01:47:41.439 --> 01:47:45.039 not tune or modify. Literally if all it does is 2185 01:47:45.119 --> 01:47:48.520 gathered data from the ODB two and show it to 2186 01:47:48.600 --> 01:47:50.760 you on a screen or on a phone or whatever 2187 01:47:50.800 --> 01:47:53.880 it works. I have no idea how they could hang 2188 01:47:53.920 --> 01:47:56.600 their hat on a modification. That's nothing. I mean, that 2189 01:47:56.680 --> 01:48:00.479 would be so dumb, it's crazy, and it would have 2190 01:48:00.520 --> 01:48:02.600 nothing to do with the engine. So I want Kevin 2191 01:48:02.640 --> 01:48:05.600 On to let me know that that would be the fact. 2192 01:48:05.640 --> 01:48:08.840 Now the next person that has been waiting is going 2193 01:48:08.920 --> 01:48:10.720 to be Wyatt. Whyatt? What's going on with you? 2194 01:48:10.840 --> 01:48:11.039 Man? 2195 01:48:12.760 --> 01:48:16.680 Hey, good to talk to you guys. So I'm dealing 2196 01:48:16.680 --> 01:48:19.560 with an issue. I bought a car from a dealership 2197 01:48:19.720 --> 01:48:23.840 in December, first time ever financing a car in my life, 2198 01:48:23.880 --> 01:48:27.199 so you know, I don't know what the heck I'm doing. Anyway, 2199 01:48:28.079 --> 01:48:31.920 I still haven't received my title. I've already gone through 2200 01:48:32.119 --> 01:48:34.239 two temp tags with the dealership. 2201 01:48:34.960 --> 01:48:38.079 What are they saying? Why are they telling you they 2202 01:48:38.079 --> 01:48:41.960 can't get the title? What's the hold up? According to them. 2203 01:48:42.199 --> 01:48:46.119 They have not given me an explanation. They just tell me, oh, 2204 01:48:46.159 --> 01:48:48.800 we can't see it on our end. We'll have someone 2205 01:48:48.880 --> 01:48:51.520 give you a callback, and no one calls me back. 2206 01:48:51.920 --> 01:48:53.479 So and then you have to go in and get 2207 01:48:53.520 --> 01:48:56.720 another title. I mean typically it's four to six weeks. 2208 01:48:59.319 --> 01:49:04.680 It's reason. Here's how it reads basically, and I'm going 2209 01:49:04.680 --> 01:49:08.479 off memory here. It basically says they have a reasonable time, 2210 01:49:08.800 --> 01:49:13.279 So we got to decide what's reasonable December to May fifteenth. 2211 01:49:13.479 --> 01:49:15.239 When did you buy it in December? Has it been 2212 01:49:15.319 --> 01:49:20.359 six months or just about December sixth? So it's more 2213 01:49:20.399 --> 01:49:24.039 than six months. What I would say is you have 2214 01:49:24.159 --> 01:49:28.079 waited a reasonable amount of time. So the question is 2215 01:49:28.159 --> 01:49:31.199 if they can't deliver title, what are your options. Well, 2216 01:49:31.239 --> 01:49:33.399 they have to undo the deal. They might charge you 2217 01:49:33.439 --> 01:49:36.479 a little bit per mile, which they're allowed to do, 2218 01:49:36.560 --> 01:49:39.399 but that's going to be insignificant. Do you like the car? 2219 01:49:39.479 --> 01:49:41.560 Do you want the car? You just want the title. 2220 01:49:41.840 --> 01:49:45.039 So really, let's pretend they're willing to undo the deal 2221 01:49:45.079 --> 01:49:48.319 because they can't get the title, and they need to 2222 01:49:48.439 --> 01:49:50.880 because if they can't get it, you can never register 2223 01:49:50.960 --> 01:49:53.520 it and you can't have a tempt title or a 2224 01:49:53.680 --> 01:49:56.720 temp plate forever. And usually if someone can't get a 2225 01:49:56.760 --> 01:49:59.680 title means they shouldn't have the car. It's not like 2226 01:49:59.800 --> 01:50:02.960 if if you physically lose the title, it's pretty easy 2227 01:50:02.960 --> 01:50:05.720 to go to DMV as a dealer and get a 2228 01:50:05.800 --> 01:50:08.560 new title on the vehicle if they lost it. But 2229 01:50:09.119 --> 01:50:12.359 if they took it in on trade, for example, and 2230 01:50:12.640 --> 01:50:17.079 found out after you bought it that it's actually titled 2231 01:50:17.079 --> 01:50:19.960 out of Oklahoma and someone's name that never sold it 2232 01:50:20.239 --> 01:50:23.239 and possibly it's stolen, there's never going to be an 2233 01:50:23.279 --> 01:50:26.119 answer to this because they shouldn't have sold it. So 2234 01:50:26.359 --> 01:50:29.279 do you want the car or do you want the title? 2235 01:50:31.560 --> 01:50:33.359 Well, I want both. 2236 01:50:34.199 --> 01:50:37.680 I just they're not trying. I guess what I'm asking is, 2237 01:50:37.720 --> 01:50:41.439 you're not trying to get out of the deal, right. No, Okay, 2238 01:50:41.520 --> 01:50:43.840 let's do this. I'm going to put Doc, you want 2239 01:50:43.880 --> 01:50:44.279 this one? 2240 01:50:44.880 --> 01:50:47.159 Yeah, I have one question for you, May if you 2241 01:50:47.319 --> 01:50:50.359 finance it, doesn't the finance company hold the title until 2242 01:50:50.399 --> 01:50:51.159 the loan is paid off. 2243 01:50:51.239 --> 01:50:53.600 Yes, they'll hold it, but they haven't received it either. 2244 01:50:53.640 --> 01:50:57.640 Because his registration paperwork's not a DMV. They can't even 2245 01:50:57.760 --> 01:51:00.359 I'm assuming they can't even process the vehicle for you. 2246 01:51:01.960 --> 01:51:02.239 Yeah. 2247 01:51:02.359 --> 01:51:05.840 Yeah, so Doc, you're correct if he finances it. And 2248 01:51:05.880 --> 01:51:08.560 I don't know if you know this, but in Colorado, 2249 01:51:08.760 --> 01:51:11.760 the bank's gonna hold the title, right, But there is 2250 01:51:11.840 --> 01:51:14.279 digital titles now, so they might have done it that way, 2251 01:51:14.319 --> 01:51:18.520 but that part doesn't matter. The paperwork's not getting the DMV. 2252 01:51:19.159 --> 01:51:21.920 The title work's not getting the DMV, meaning they can't 2253 01:51:21.920 --> 01:51:22.680 deliver title. 2254 01:51:22.720 --> 01:51:22.920 Doc. 2255 01:51:23.159 --> 01:51:25.199 Okay, what we all you got to do is call 2256 01:51:25.319 --> 01:51:27.600 up and shake them up a little and figure out 2257 01:51:27.720 --> 01:51:31.640 why they can't deliver title in six months and tell 2258 01:51:31.680 --> 01:51:34.800 them Colorado. In Colorado, they need to if they you know, 2259 01:51:34.880 --> 01:51:37.600 I'm sure they know this, but remind them in Colorado 2260 01:51:37.680 --> 01:51:40.680 it's in a reasonable amount of time. Consider it done. Yeah, 2261 01:51:41.000 --> 01:51:46.199 during COVID you might argue six months is reasonable, but 2262 01:51:46.319 --> 01:51:49.239 not right now, it's ridiculous. You can walk into any DMV. 2263 01:51:49.680 --> 01:51:52.720 Something's going on with that vehicle. So here's what we're 2264 01:51:52.720 --> 01:51:55.720 gonna do. Emery, I'm gonna put Deputy Doc on this 2265 01:51:56.439 --> 01:51:59.239 and he is gonna get or I'm sorry, Wyatt, I'm 2266 01:51:59.239 --> 01:52:01.560 gonna put Deputy Dock on this and he's going to 2267 01:52:01.600 --> 01:52:03.680 get all your information. I'm going to put you on hold. 2268 01:52:03.720 --> 01:52:05.840 Kelly's going to get it from you, and then Doc's 2269 01:52:05.840 --> 01:52:08.359 going to reach out to you and then he's basically 2270 01:52:08.439 --> 01:52:11.159 going to want to see the bill of sale, the 2271 01:52:11.239 --> 01:52:14.239 financing whatever, just the basic paperwork with the VN on 2272 01:52:14.279 --> 01:52:16.840 it and the dealer phone number and who you're dealing with, 2273 01:52:17.039 --> 01:52:18.760 and we'll figure out what's going on, all right. 2274 01:52:18.800 --> 01:52:22.000 I wonder if it's a one of eleven counties that 2275 01:52:22.039 --> 01:52:24.319 we have trouble with. Where'd you where'd you buy the car? 2276 01:52:24.399 --> 01:52:25.159 Yeah? Where is it? 2277 01:52:26.720 --> 01:52:29.359 Colorado screens? It's called AutoNation USA. 2278 01:52:29.560 --> 01:52:32.760 Yeah, AutoNation shouldn't be having There's something. There's something fishy 2279 01:52:32.760 --> 01:52:35.239 about this man. I'll give you a call after the show. Yeah, 2280 01:52:35.239 --> 01:52:37.560 hold on, bro hold on Wyatt. Make sure Kelly you 2281 01:52:37.600 --> 01:52:40.039 get all the information on one. I got to take 2282 01:52:40.079 --> 01:52:42.039 a quick break and then we'll be back. Three oh 2283 01:52:42.079 --> 01:52:45.600 three seven one three eight two five five. Michael, you're 2284 01:52:45.680 --> 01:52:46.039 up next. 2285 01:52:46.079 --> 01:52:54.960 Then Charlie, go with a sure thing Denver's Best roofer 2286 01:52:55.119 --> 01:52:56.600 Excel Roofing dot com. 2287 01:52:56.640 --> 01:52:58.680 You don't pay a cent until you're content. 2288 01:53:00.279 --> 01:53:04.479 Leave time for an insurance check up free no obligation 2289 01:53:04.640 --> 01:53:08.520 comparison call Compass Insurance paying too much your coverage at 2290 01:53:08.560 --> 01:53:11.279 dozens of insurance companies find out now three all three 2291 01:53:11.439 --> 01:53:13.560 seven to seven to one help. You'll think you're his 2292 01:53:13.720 --> 01:53:16.359 only customer when you choose Frank durand the real estate 2293 01:53:16.399 --> 01:53:19.640 Man dot com to list your home with Remax Alliance 2294 01:53:19.880 --> 01:53:23.600 three oh three nine two zero sixteen twenty two. 2295 01:53:24.479 --> 01:53:26.880 All right, three O three seven one three A two 2296 01:53:26.920 --> 01:53:29.479 five five one line open three oh three Martino, you've 2297 01:53:29.479 --> 01:53:32.359 been ripped off taking advantage of We want to hear 2298 01:53:32.399 --> 01:53:34.399 from you. Now. I'm going to go to our expert, 2299 01:53:34.520 --> 01:53:38.039 Kevin Coukin. Hey, Kevin, I've got a question for you. Man. 2300 01:53:38.239 --> 01:53:42.119 Kevin's was shared in auto tech emery called in he 2301 01:53:42.199 --> 01:53:46.479 bought a vehicle twenty twenty one Dodge ram uh used vehicle, 2302 01:53:46.520 --> 01:53:48.800 of course, and he bought a warranty with it, and 2303 01:53:48.880 --> 01:53:51.479 the engine went out twelve hundred miles later. I'm sure 2304 01:53:51.560 --> 01:53:53.279 he bought it as is, but they sold it to 2305 01:53:53.359 --> 01:53:56.479 him with the warranty. But really none of that means 2306 01:53:56.520 --> 01:54:01.760 anything at this very second. He put in a monitoring system. 2307 01:54:01.800 --> 01:54:04.239 So you've got one part that plugs into the ODB 2308 01:54:04.359 --> 01:54:07.840 two ODB two and then what is the other part, Emory? 2309 01:54:07.920 --> 01:54:12.000 Is it like a screen that's right there? Yes, And 2310 01:54:12.079 --> 01:54:13.560 what is the system called? 2311 01:54:14.920 --> 01:54:17.359 It's an ad ETS three. 2312 01:54:17.800 --> 01:54:18.960 Have you heard of that, Kevin? 2313 01:54:20.800 --> 01:54:22.560 I'm not that specific one though. 2314 01:54:22.680 --> 01:54:26.359 Well. In what they're doing, the warranty company is denying 2315 01:54:26.439 --> 01:54:31.000 the engine not based on previous conditions, which most likely 2316 01:54:31.079 --> 01:54:33.359 is what it was if it was only twelve hundred miles, 2317 01:54:33.399 --> 01:54:36.159 but maybe not. What they're denying it on is the 2318 01:54:36.199 --> 01:54:41.520 modification clause, which seems absurd. And I asked Emory, I said, 2319 01:54:41.600 --> 01:54:44.560 is it a tuner? Does it do anything besides to 2320 01:54:44.680 --> 01:54:47.720 show you the information? And he says it does nothing 2321 01:54:47.720 --> 01:54:51.119 but show the information. I mean, have you ever heard 2322 01:54:51.119 --> 01:54:53.680 of that? How could they possibly hang their hat on 2323 01:54:53.720 --> 01:54:58.039 that they can't. That's yeah, they're just throwing crap at 2324 01:54:58.079 --> 01:54:59.680 the wall to see what'll stick. 2325 01:55:00.600 --> 01:55:03.680 They need to show the modifications contributed to the failure. 2326 01:55:03.920 --> 01:55:06.359 Yeah, Emory, you do need a modification. 2327 01:55:06.600 --> 01:55:07.520 They can't go that way. 2328 01:55:07.640 --> 01:55:07.800 No. 2329 01:55:07.840 --> 01:55:09.439 Now, let me ask you this. If he did a 2330 01:55:09.479 --> 01:55:12.800 tuner on there, they probably could, you know, if he 2331 01:55:12.960 --> 01:55:15.159 souped it up, they could probably. 2332 01:55:15.279 --> 01:55:15.520 Yeah. 2333 01:55:15.760 --> 01:55:17.319 Have you seen denials for that? 2334 01:55:18.199 --> 01:55:18.560 Yes? 2335 01:55:18.840 --> 01:55:21.319 What's the most lifted cold airs? 2336 01:55:21.359 --> 01:55:22.760 All kinds of stuff they can. 2337 01:55:22.640 --> 01:55:26.119 Get on pickup trucks to snowplow in the front will 2338 01:55:26.199 --> 01:55:26.479 kill it. 2339 01:55:27.279 --> 01:55:27.840 Absolutely. 2340 01:55:27.880 --> 01:55:30.079 Hey, let me ask you this, just out of curiosity 2341 01:55:30.119 --> 01:55:31.680 than Emory. I'm going to tell you who to call. 2342 01:55:32.920 --> 01:55:35.760 And you do need an attorney, Emory. But what's the 2343 01:55:35.800 --> 01:55:41.159 most egregious reason you have seen a Sharitan auto tech? 2344 01:55:41.640 --> 01:55:44.920 Someone turning down a warranty, a company turning down a warranty. 2345 01:55:45.920 --> 01:55:49.000 It's usually a problem with the adjuster more than anything. 2346 01:55:49.560 --> 01:55:51.159 Uh, just an attitude or what. 2347 01:55:52.279 --> 01:55:54.520 Well, we had a rear disp go out in a 2348 01:55:54.640 --> 01:55:57.119 customer's car, and the adjuster came and pulled the drain 2349 01:55:57.159 --> 01:56:00.039 plug in the back to check for oil. Yeah, and 2350 01:55:59.720 --> 01:56:03.479 snow oil ran out. He deemed it as abused because 2351 01:56:03.479 --> 01:56:04.359 it was under filled. 2352 01:56:05.640 --> 01:56:07.960 Well that's crazy. Did you end up getting it done? 2353 01:56:08.479 --> 01:56:11.319 Well, it took. It was a battle, but but you 2354 01:56:11.319 --> 01:56:13.159 know because he already pulled the plug out to check 2355 01:56:13.199 --> 01:56:16.279 the fluid, so of course a little bit ran out. Yeah, 2356 01:56:16.359 --> 01:56:18.199 now we had we had a big argument with the 2357 01:56:18.239 --> 01:56:19.319 adjuster on that one. 2358 01:56:19.560 --> 01:56:19.760 Yeah. 2359 01:56:19.880 --> 01:56:22.720 So here's what Thanks Kevin. That's Kevin Couk and shared 2360 01:56:22.800 --> 01:56:24.560 a Auto Tech. Great guy. In fact, you'll be in 2361 01:56:24.560 --> 01:56:28.600 tomorrow with me three oh three, four five, five seventy 2362 01:56:28.600 --> 01:56:31.319 two forty two. That Shardan Auto Tech or you can 2363 01:56:31.359 --> 01:56:33.880 go to Shardan Auto tech dot com. Thank you, Kevin. 2364 01:56:33.960 --> 01:56:36.479 Now here's the deal, Emory. Here's what I'm going to 2365 01:56:36.560 --> 01:56:40.560 suggest big time. I'm going to give you what's her name, 2366 01:56:40.680 --> 01:56:43.439 Kelly Raina? Am I saying it right? Who's our lawyer? 2367 01:56:44.319 --> 01:56:48.800 Give him Raina's number. All she does is issues like this, 2368 01:56:48.960 --> 01:56:51.399 if it's a car issue on a warranty. I mean, 2369 01:56:51.439 --> 01:56:53.920 this is her bread and butter, and she's better than anybody. 2370 01:56:54.319 --> 01:56:57.960 I think. A simple letter from her to the warranty 2371 01:56:58.000 --> 01:57:00.239 company do you actually have the deny. 2372 01:57:02.439 --> 01:57:05.119 That's in I've got email saying yes. 2373 01:57:05.319 --> 01:57:07.880 Yeah, that's what. That's the denial letter. So that's the deal. 2374 01:57:08.000 --> 01:57:10.000 You need to send that. You need to call her, 2375 01:57:10.439 --> 01:57:13.119 send her the denial letter, send her some information and 2376 01:57:13.199 --> 01:57:15.840 talk to her about it, and she'll do that for free. 2377 01:57:16.119 --> 01:57:18.119 And the first step will be for her to write 2378 01:57:18.199 --> 01:57:21.600 a nasty Graham as an attorney to this company going 2379 01:57:21.640 --> 01:57:23.720 this is BS, you can't do it. And she does 2380 01:57:23.720 --> 01:57:25.880 this all the time. As long as you're right that 2381 01:57:26.000 --> 01:57:29.399 that wasn't some kind of tuning device, it didn't modify 2382 01:57:29.479 --> 01:57:31.960 the horsepower anything. I think it's going to be a 2383 01:57:32.000 --> 01:57:34.800 slam dunk once the attorney's involved. Now, if they're going 2384 01:57:34.880 --> 01:57:36.880 to push it, and you got to ask Rayna about this, 2385 01:57:37.319 --> 01:57:39.159 and she's going to end up suing them, and she'll 2386 01:57:39.199 --> 01:57:40.880 let you know if you got a good case. I mean, 2387 01:57:40.880 --> 01:57:43.079 that's what she does. If she thinks you have a 2388 01:57:43.079 --> 01:57:45.279 good case and you go in and win and get 2389 01:57:45.279 --> 01:57:47.439 it fixed, you'll probably get attorney's fees too. 2390 01:57:49.359 --> 01:57:54.319 Yeah, well, yeah, I know that's what I'm okay, I'm saying. 2391 01:57:54.359 --> 01:57:56.159 You know, the inspector came. 2392 01:57:56.359 --> 01:57:59.119 Yeah there, listen, man, most of these warranty companies, that's 2393 01:57:59.159 --> 01:58:02.159 what their whole is. They show up and they find 2394 01:58:02.199 --> 01:58:04.840 a reason to deny it. What I'm hoping they don't 2395 01:58:04.880 --> 01:58:08.119 do is they don't come back and go, well, yeah, 2396 01:58:08.159 --> 01:58:12.199 you're right, this didn't modify anything, so therefore we can't 2397 01:58:12.199 --> 01:58:13.840 deny it here. But we're going to say it's a 2398 01:58:13.840 --> 01:58:16.760 pre existing condition. Now, if they do that, what we 2399 01:58:16.880 --> 01:58:19.000 have to do is you need to call back in 2400 01:58:19.079 --> 01:58:21.800 and we'll turn around and go after the dealer and 2401 01:58:21.960 --> 01:58:25.239 basically say to the dealer, you sold this guy a warranty. 2402 01:58:25.319 --> 01:58:28.840 The warranty is no good because it's preconditioned. He wouldn't 2403 01:58:28.880 --> 01:58:31.399 have bought He wouldn't have bought his vehicle if it 2404 01:58:31.439 --> 01:58:34.439 didn't have a warranty. So and that happens all the time. 2405 01:58:34.479 --> 01:58:36.359 But hold on, I want you to call rain I 2406 01:58:36.439 --> 01:58:36.760 got it. 2407 01:58:36.800 --> 01:58:41.920 Brother, okay, And someone's gonna give me her phone number. 2408 01:58:41.920 --> 01:58:43.840 I'm gonna put you on holden. Kelly's going to give 2409 01:58:43.840 --> 01:58:46.600 you her office number. Call up, talk to her, leave 2410 01:58:46.640 --> 01:58:48.640 a message, but tell her what's going on. She's a 2411 01:58:48.680 --> 01:58:51.840 great attorney and that's basically all she does. Three oh 2412 01:58:51.960 --> 01:58:56.079 three seven one three eight two five five. Charlie, what 2413 01:58:56.239 --> 01:58:57.159 is going on with you? 2414 01:58:59.600 --> 01:58:59.880 Hello? 2415 01:59:00.119 --> 01:59:04.359 Hello, Charlie, Hey, Yeah, I just wanted to let you 2416 01:59:04.439 --> 01:59:06.680 know you know, I listened to your show about the 2417 01:59:06.840 --> 01:59:10.399 zero Red carpet cleaning for one hundred and nineteen dollars 2418 01:59:10.399 --> 01:59:11.239 for three rooms. 2419 01:59:11.399 --> 01:59:13.680 Oh yeah, three areas and nineteen bucks. 2420 01:59:13.720 --> 01:59:17.600 Yep, right, and you know you with the carpet goes 2421 01:59:17.640 --> 01:59:20.359 into the pad and all this stuff. Well, my we, 2422 01:59:20.600 --> 01:59:23.439 my wife and I have a new puppy and uh, 2423 01:59:23.600 --> 01:59:27.119 basically we've had some problems where it's had some accidents. 2424 01:59:27.199 --> 01:59:30.399 So we said, well, let's go called zero reds. So 2425 01:59:30.600 --> 01:59:33.800 my wife gets on the internet and goes through and 2426 01:59:34.319 --> 01:59:38.880 sets them up for carpet cleaning. They come out and 2427 01:59:38.960 --> 01:59:40.920 she had put in there that you know, we need 2428 01:59:40.960 --> 01:59:43.960 the pet end zyme and all this stuff and get 2429 01:59:43.960 --> 01:59:46.760 it all taken care of. Well, the guy came out, 2430 01:59:46.800 --> 01:59:51.319 the technician, and next thing you know are three rooms 2431 01:59:51.359 --> 01:59:55.720 now turned into four, which we had no problem with. Yeah, 2432 01:59:55.760 --> 01:59:58.880 so they clean our They cleaned the carpets and everything, 2433 01:59:59.439 --> 02:00:06.760 and she had talked about other things, other services wanting 2434 02:00:06.800 --> 02:00:10.119 to have happen. Well, make a long story short, our 2435 02:00:10.159 --> 02:00:14.199 carpet cleaning ended up being one twenty six dollars. 2436 02:00:14.600 --> 02:00:17.000 Well, how did you wait, wait, wait a second, are 2437 02:00:17.039 --> 02:00:20.520 you saying and this is a very important part here? 2438 02:00:21.520 --> 02:00:24.039 Are you saying that they didn't tell you what the 2439 02:00:24.119 --> 02:00:27.520 price was going to be before cleaning. They told you 2440 02:00:27.560 --> 02:00:29.800 it was one hundred and nineteen, then it ends up 2441 02:00:29.840 --> 02:00:31.720 to be a thousand. Is that what you're saying. 2442 02:00:33.159 --> 02:00:35.840 No, they went through it and went through it with 2443 02:00:35.920 --> 02:00:39.800 my wife and they well, you're gonna need to do this. 2444 02:00:39.920 --> 02:00:41.119 So she knew to do that. 2445 02:00:41.359 --> 02:00:43.600 Well, okay, I get it, you're saying they upsold you. 2446 02:00:43.680 --> 02:00:44.960 I understand what you're saying. 2447 02:00:45.000 --> 02:00:47.239 But they got sold that they told you. 2448 02:00:47.399 --> 02:00:48.920 They told her the price. 2449 02:00:48.640 --> 02:00:51.520 Fine, right, and so it's fine. 2450 02:00:51.680 --> 02:00:52.479 She agreed to that. 2451 02:00:52.680 --> 02:00:53.279 So then. 2452 02:00:54.640 --> 02:00:57.000 She said, okay, let's go ahead and do it because 2453 02:00:57.039 --> 02:00:59.680 we need to get rid of this smell. Sure, so 2454 02:00:59.720 --> 02:01:03.640 she all this done and then I come home and 2455 02:01:04.560 --> 02:01:07.960 the smell is not even close to being done. And 2456 02:01:08.520 --> 02:01:10.560 so then I'm going wait a minute here, I said, 2457 02:01:10.720 --> 02:01:13.479 what did they do? And she said, well, they brought 2458 02:01:13.560 --> 02:01:16.479 in a wand and all this and they cleaned it. 2459 02:01:16.600 --> 02:01:18.840 Yeah, when there's pets there, I mean, we've got pets. 2460 02:01:18.880 --> 02:01:21.279 I know exactly where you're talking about. They have you know, 2461 02:01:21.399 --> 02:01:24.680 special stuff that you know goes in and breaks down 2462 02:01:24.800 --> 02:01:28.000 and dissolves the urine or eats the urine or whatever. 2463 02:01:27.720 --> 02:01:32.239 It does exactly. And so I said, well, geez, I'm 2464 02:01:32.279 --> 02:01:35.399 not happy with this, you know, because when I looked 2465 02:01:35.439 --> 02:01:38.199 at their website, they says they use brushes, and they 2466 02:01:38.279 --> 02:01:40.000 used the wand and all this stuff. 2467 02:01:40.000 --> 02:01:40.520 And I'm going to. 2468 02:01:42.800 --> 02:01:45.479 Hello, well the company, I said, hey, are you there? 2469 02:01:45.600 --> 02:01:47.439 Yeah, I hear you. I lost you for a half sec. 2470 02:01:48.920 --> 02:01:49.319 Okay. 2471 02:01:49.960 --> 02:01:53.119 So anyway, I called the company and I said, hey, 2472 02:01:53.119 --> 02:01:56.359 I'm really not happy with this. So they said, no problem, 2473 02:01:56.399 --> 02:01:58.199 we'll come out because we have a guarantee. 2474 02:01:58.319 --> 02:01:58.560 Yep. 2475 02:01:58.760 --> 02:02:01.600 I said great. So then they came out and the 2476 02:02:01.640 --> 02:02:04.319 technician came out and we have a meeting. I came 2477 02:02:04.359 --> 02:02:07.000 home and I stayed there to talk to him. Well, 2478 02:02:07.039 --> 02:02:09.279 he says, well, you know, all we're going to do 2479 02:02:09.399 --> 02:02:11.479 is redo your carpet. And all we're doing is putting 2480 02:02:11.520 --> 02:02:13.840 a band aid on it. It's still going to smell. 2481 02:02:14.239 --> 02:02:18.600 I said, you're kidding me, right, and he goes, you'urine went. 2482 02:02:18.479 --> 02:02:20.560 Down into the wood. I mean, really, what are they 2483 02:02:20.600 --> 02:02:23.079 saying because they've done spots for us and I've never 2484 02:02:23.119 --> 02:02:23.920 smelled anything. 2485 02:02:25.399 --> 02:02:29.600 It's a concrete floor, okay underneath it, So what are 2486 02:02:30.239 --> 02:02:34.239 though they're saying that they're going to need to use 2487 02:02:34.319 --> 02:02:36.760 this blaster thing to go into the path. And I'm 2488 02:02:36.800 --> 02:02:38.520 going waiting out here. You guys said you're going to 2489 02:02:38.600 --> 02:02:40.840 go into the path, Well, then you're going to use 2490 02:02:40.880 --> 02:02:44.960 this blaster at sixty five dollars or whatever a square 2491 02:02:45.039 --> 02:02:48.159 foot and I'm going, wait a minute here, And he says, well, 2492 02:02:48.159 --> 02:02:50.600 your wife knows about this. I talked to your wife. 2493 02:02:50.800 --> 02:02:53.319 And he's sitting there throwing my wife under the bus. 2494 02:02:53.439 --> 02:02:56.319 Well, hold hold on, Charlie, Wait a minute, Charlie, Charlie, 2495 02:02:56.359 --> 02:02:58.920 hold on. I understand you're upset, and I have direct 2496 02:02:58.960 --> 02:03:01.760 connections to call over there. So a couple of real questions. 2497 02:03:02.640 --> 02:03:05.399 One that is a very important part of it is 2498 02:03:05.439 --> 02:03:08.319 what they're saying. If he's saying, hey, I told your 2499 02:03:08.359 --> 02:03:10.319 wife feels going to be a thousand bucks. And I 2500 02:03:10.399 --> 02:03:13.239 also told her that if this doesn't work, we have 2501 02:03:13.319 --> 02:03:16.079 to go to that next step. I mean, I don't 2502 02:03:16.079 --> 02:03:17.880 know how much of a problem I have with that. 2503 02:03:18.279 --> 02:03:21.239 I understand the up selling they do. They do if 2504 02:03:21.239 --> 02:03:24.359 you have pets or if you have certain stains, it 2505 02:03:24.439 --> 02:03:27.039 does cost more. There's only if you want though you don't. 2506 02:03:27.239 --> 02:03:29.279 It's not like they tell you you have to do it. 2507 02:03:29.319 --> 02:03:32.039 I get all that But what I want to know 2508 02:03:32.159 --> 02:03:34.840 is did he tell your wife that you might have 2509 02:03:34.920 --> 02:03:37.680 to do this blaster, which to me would be insane. Anyhow, 2510 02:03:37.840 --> 02:03:40.960 I think you could replace carpet cheaper. But then see, 2511 02:03:41.399 --> 02:03:45.199 I don't believe sixty five dollars a square foot. But anyhow, 2512 02:03:45.239 --> 02:03:47.159 what did he tell her. 2513 02:03:47.079 --> 02:03:52.399 That that's what? And he apparently used this blaster in 2514 02:03:52.479 --> 02:03:57.359 an area that was the highlighted area. 2515 02:03:57.399 --> 02:03:59.000 Well, it's still smells. 2516 02:03:59.319 --> 02:04:02.239 So was he a could he come back in and 2517 02:04:02.279 --> 02:04:05.159 redo it? Was he willing to come in and reblast it? 2518 02:04:06.680 --> 02:04:09.800 No, he said he'd come back in, but he would 2519 02:04:09.800 --> 02:04:11.279 have to recharge. 2520 02:04:10.800 --> 02:04:14.479 Up for the same area with the blaster. 2521 02:04:16.039 --> 02:04:18.640 Yeah, and so I called this doesn't Hold on? 2522 02:04:18.760 --> 02:04:20.560 Listen, man, you don't have to tell me any well, 2523 02:04:20.560 --> 02:04:22.800 hold on how long ago? Watch he's going to tell 2524 02:04:22.800 --> 02:04:24.720 me nineteen ninety eight? When did this happen? 2525 02:04:27.159 --> 02:04:28.800 It happened last Friday? 2526 02:04:29.079 --> 02:04:34.359 Oh? Perfect? Hold on, Hey, Kelly, I want all this 2527 02:04:34.399 --> 02:04:38.319 guy's information, and I want you to send it to Suzanne. 2528 02:04:38.680 --> 02:04:40.680 Actually send it to me because I know what the 2529 02:04:40.760 --> 02:04:43.239 story is. And I'm going to send it over to Shane. 2530 02:04:43.279 --> 02:04:45.680 He's the owner of zero res. Okay, and let's figure 2531 02:04:45.680 --> 02:04:47.800 out what's going on with that, because they do have 2532 02:04:47.840 --> 02:04:51.239 a guarantee if everything he say is correct. This is 2533 02:04:51.279 --> 02:04:55.399 the first you know, ironically, and Charlie, you can believe 2534 02:04:55.399 --> 02:04:58.039 me or not. This is the first issue I have 2535 02:04:58.119 --> 02:05:04.399 had a call on with your and listen seven years. 2536 02:05:05.720 --> 02:05:09.039 Well, another caveat to that is I was irritated, so 2537 02:05:09.119 --> 02:05:13.119 I went and rented a cleaner from Home Depot and 2538 02:05:13.199 --> 02:05:17.119 my wife and I spent last Friday and Saturday cleaning 2539 02:05:17.199 --> 02:05:22.039 with Home Depot cleaner. Yeah, and we were literally dumping 2540 02:05:22.119 --> 02:05:26.960 the bucket and it was dirt, it was black. I mean, 2541 02:05:27.239 --> 02:05:27.880 we've spent. 2542 02:05:27.800 --> 02:05:32.359 How bad is this carpet? How like literally how old 2543 02:05:32.439 --> 02:05:34.560 is this carpet? Nineteen eighty seven. 2544 02:05:34.800 --> 02:05:38.039 We built the house, we moved into the house brand 2545 02:05:38.079 --> 02:05:42.399 new in twenty twenty, in twenty twenty May of twenty twenty. 2546 02:05:42.560 --> 02:05:44.159 How did it get that dirty? 2547 02:05:46.000 --> 02:05:46.720 No, it's not. 2548 02:05:46.960 --> 02:05:49.239 And we only put this carpet. And I want to. 2549 02:05:49.239 --> 02:05:51.600 Say two years away a minute. You're saying they came 2550 02:05:51.640 --> 02:05:53.920 in and put dirt into your carpet. 2551 02:05:54.760 --> 02:05:57.880 No, no, no, no, no, I have I have grandkids 2552 02:05:57.880 --> 02:06:00.000 and everything in it. Okay, I can imagine. 2553 02:06:00.680 --> 02:06:03.520 I don't understand. Here's here's my only problem with Zero 2554 02:06:03.560 --> 02:06:06.279 Res right now, they have a guarantee if they did 2555 02:06:06.319 --> 02:06:10.000 something and they charged you whatever that sixty five bucks, 2556 02:06:10.039 --> 02:06:12.159 which I've never heard of for a square foot but 2557 02:06:12.199 --> 02:06:14.319 whatever it is, even if you're wrong on the price, 2558 02:06:14.800 --> 02:06:17.119 I don't understand why they wouldn't do it again. I 2559 02:06:17.199 --> 02:06:20.640 just don't understand unless if they warned your wife that 2560 02:06:20.760 --> 02:06:23.640 this could happen. Did they warn your wife about it? 2561 02:06:25.039 --> 02:06:28.479 Well, that's what I'm saying. She's like sitting there, dumbfounded. 2562 02:06:29.199 --> 02:06:32.920 She doesn't know what he was saying. She's sitting there 2563 02:06:32.920 --> 02:06:35.560 and he's sitting there wanting to basically, as I said, 2564 02:06:35.800 --> 02:06:39.319 he's throwing her under the butt, like, well, your wife's 2565 02:06:39.359 --> 02:06:40.800 signed on about it while I did this. 2566 02:06:41.039 --> 02:06:42.640 Okay, let me I want to get I want to 2567 02:06:42.680 --> 02:06:44.680 I'm want to reach out to Zero Res and see 2568 02:06:44.720 --> 02:06:46.880 what's going on. Simple is that, you know. I want 2569 02:06:46.880 --> 02:06:49.960 to tell everybody something. This show rocks. And let me 2570 02:06:50.000 --> 02:06:52.479 tell you why. He's a sponsor, Shane and Zero Res 2571 02:06:52.479 --> 02:06:54.600 and they've been a sponsor for a long time. They 2572 02:06:54.640 --> 02:06:57.279 cleaned my house, they cleaned Tom's house. I've never had 2573 02:06:57.279 --> 02:06:59.520 a problem with them. And I pay whatever full price is. 2574 02:06:59.760 --> 02:07:02.960 And here's how the process goes with zs. They show up, 2575 02:07:03.199 --> 02:07:05.600 you call them on a special it's one hundred nineteen bucks. 2576 02:07:05.760 --> 02:07:08.199 If you're in an apartment or whatever or whatever you're 2577 02:07:08.239 --> 02:07:10.199 trying to clean. If it's three rooms, it's going to 2578 02:07:10.239 --> 02:07:12.439 be one hundred and nineteen bucks. If you have a pet, 2579 02:07:12.640 --> 02:07:15.640 they'll talk to you about different things to do. Some pets, 2580 02:07:15.640 --> 02:07:18.279 some cats pee everywhere, so you might want to do 2581 02:07:18.359 --> 02:07:22.479 the whole house and whatever odor controller oder eating thing 2582 02:07:22.560 --> 02:07:25.239 they have. They have enzymes that they can spray that 2583 02:07:25.399 --> 02:07:28.840 literally go after the feceson urine or whatever. If you 2584 02:07:28.920 --> 02:07:32.159 don't have that problem, they have other products they'll talk 2585 02:07:32.199 --> 02:07:34.520 to you about, depending on if you need them or not. 2586 02:07:34.800 --> 02:07:37.000 You might have a wine stain that's been there for 2587 02:07:37.079 --> 02:07:39.199 ten years and there might be a way to get 2588 02:07:39.239 --> 02:07:40.680 it out, but they're going to have to use a 2589 02:07:40.680 --> 02:07:44.840 certain piece of equipment. But they go over every single 2590 02:07:44.880 --> 02:07:47.760 thing with you. They don't tell you, no, we're not 2591 02:07:47.800 --> 02:07:49.760 going to do it for a hundred nineteen bucks. That's 2592 02:07:49.760 --> 02:07:52.439 a real deal. And the free halway right now is 2593 02:07:52.439 --> 02:07:54.520 a real deal. Hold on doc. They come out and 2594 02:07:54.520 --> 02:07:57.640 they go over everything. Every single time we have had 2595 02:07:57.640 --> 02:08:00.399 them out, they literally go over, okay, where do your 2596 02:08:00.399 --> 02:08:03.119 dogs usually go where do they sleep? And we'll point 2597 02:08:03.159 --> 02:08:05.920 to that room and we'll pay extra for that one room, 2598 02:08:05.960 --> 02:08:08.079 and the other rooms will do normal and we're always 2599 02:08:08.079 --> 02:08:11.239 happy with it. Doc, real quick, did what did what? 2600 02:08:11.359 --> 02:08:14.000 You and your wife did? Take care of the odor 2601 02:08:14.079 --> 02:08:17.159 and stain? Yeah that's no, they said, yeah, uh well, 2602 02:08:17.239 --> 02:08:19.880 she's on the phone with them. We'll find out. I'm 2603 02:08:19.920 --> 02:08:23.039 going to get involved on this one personally. Call Titan. 2604 02:08:28.359 --> 02:08:31.600 Go with a sure thing Denver's Best roofer Excel Roofing 2605 02:08:31.720 --> 02:08:32.279 dot com. 2606 02:08:32.319 --> 02:08:37.720 You don't pay a cent until you're contenth. 2607 02:08:37.720 --> 02:08:40.920 Time for an insurance check up free no obligation. In comparison, 2608 02:08:41.039 --> 02:08:44.600 call Compass Insurance paying too much your coverage at dozens 2609 02:08:44.600 --> 02:08:47.359 of insurance companies find out now three oh three seven 2610 02:08:47.439 --> 02:08:50.279 seven to one help. You'll think you're his only customer 2611 02:08:50.279 --> 02:08:52.560 when you choose Frank durand the real estate Man dot 2612 02:08:52.600 --> 02:08:55.920 com to list your home with Remax Alliance three oh 2613 02:08:55.960 --> 02:08:57.880 three nine two zero sixteen twenty two. 2614 02:08:58.319 --> 02:09:01.239 All right, three oh three seven on three eight two 2615 02:09:01.239 --> 02:09:04.880 five five. You know, if you got a problem with 2616 02:09:04.920 --> 02:09:06.920 one of our referral list members, you can call us. 2617 02:09:06.960 --> 02:09:09.920 You just heard that. You know what's interesting, Try calling 2618 02:09:09.960 --> 02:09:12.520 the people across the hallway. Try calling the sports guys 2619 02:09:12.760 --> 02:09:15.560 they do live commercials like we do, call up during 2620 02:09:15.600 --> 02:09:17.760 their show and say, hey, you were just talking about 2621 02:09:17.800 --> 02:09:19.880 so and so, and I got a problem with them. 2622 02:09:20.520 --> 02:09:23.279 You'll never hear it. You'll never hear it. That's what 2623 02:09:23.359 --> 02:09:26.239 makes us different, Brian. I've had complaints on you, and 2624 02:09:26.279 --> 02:09:27.800 I sent them over to you, and then you give 2625 02:09:27.800 --> 02:09:29.680 me your side of the story and we go from there. 2626 02:09:29.840 --> 02:09:32.600 I don't I don't think I've ever had a com I've. 2627 02:09:32.399 --> 02:09:36.680 Never heard a complaint on Compass. I will, I will second, 2628 02:09:36.840 --> 02:09:37.880 I forget what complain. 2629 02:09:38.520 --> 02:09:40.720 No, there's been something. There was one, though, I'm trying 2630 02:09:40.760 --> 02:09:43.439 to even think what one would be. They just think 2631 02:09:43.479 --> 02:09:46.399 your price is high. And the only reason they it's 2632 02:09:46.439 --> 02:09:49.279 not like you price it. You're getting them prices if 2633 02:09:49.359 --> 02:09:52.039 they have a DUI. I mean, Progressive is going to 2634 02:09:52.119 --> 02:09:54.239 quote them whatever. It's not like you mark it up. 2635 02:09:54.359 --> 02:09:56.560 We've gotten it where they're you know, they hear us 2636 02:09:56.600 --> 02:09:58.000 on here and they say we called them and they 2637 02:09:58.000 --> 02:10:00.960 didn't save us money. Well that's exact why. But we 2638 02:10:01.119 --> 02:10:02.920 told you we couldn't. We told you to stay where 2639 02:10:02.920 --> 02:10:05.760 you're at. So we just yeah, by no, means you 2640 02:10:05.800 --> 02:10:10.119 would anybody in a good deal. Ever, in Ture, we 2641 02:10:10.199 --> 02:10:12.640 don't get paid that much for policies. I just want 2642 02:10:12.680 --> 02:10:14.960 everybody to know that we are not in it to 2643 02:10:15.039 --> 02:10:18.159 try to, you know, convince people to go with us. 2644 02:10:18.159 --> 02:10:19.880 If it's not their best option, we'll tell you to 2645 02:10:19.880 --> 02:10:23.319 stay put. But sometimes people get frustrated when we can't 2646 02:10:23.319 --> 02:10:26.039 find a better deal. But you know that's our point 2647 02:10:26.079 --> 02:10:27.199 is we try to be honest with you. 2648 02:10:27.319 --> 02:10:29.279 Yeah, well you have to be and I mean that's 2649 02:10:29.439 --> 02:10:31.600 just it. Now, Michael, what's going on with you? 2650 02:10:34.920 --> 02:10:38.920 Well, Hey, I've got a friend who was married. He 2651 02:10:39.000 --> 02:10:44.000 and his wife owned their home as tenants in common, 2652 02:10:45.000 --> 02:10:49.920 and she passed away and her daughter inherited her half 2653 02:10:50.439 --> 02:10:53.159 and is not cooperating that he wants to just sell it. 2654 02:10:53.239 --> 02:10:55.359 He doesn't even live in the house anymore because he 2655 02:10:55.359 --> 02:10:58.239 couldn't stay there for very long after his wife died. 2656 02:10:58.279 --> 02:11:01.399 He just couldn't stand it. But I've done a little 2657 02:11:01.399 --> 02:11:03.720 bit of research and I see there in Colorado there 2658 02:11:03.800 --> 02:11:08.520 is an action called a partition action that if they 2659 02:11:08.520 --> 02:11:11.319 can't agree on something that they have to sell it. 2660 02:11:12.119 --> 02:11:14.039 I'm just wondering if any of you guys in there 2661 02:11:14.159 --> 02:11:15.000 know anything about that. 2662 02:11:15.119 --> 02:11:17.800 Or if well, I do, but I'm curious. Why was 2663 02:11:17.840 --> 02:11:19.199 it tenants in common? 2664 02:11:20.920 --> 02:11:24.640 He doesn't know, and all, from my reading, if you 2665 02:11:24.680 --> 02:11:27.720 don't specify when you purchase a property as a married couple, 2666 02:11:27.880 --> 02:11:30.760 it defaults at tenants in common instead of joint tenancy. 2667 02:11:31.000 --> 02:11:35.560 That's my understanding too in Colorado. That's true. But wait 2668 02:11:35.600 --> 02:11:39.319 a second. So now then, why are you saying, Wait 2669 02:11:39.359 --> 02:11:43.319 a minute, I get these two damn things confused. Do 2670 02:11:43.439 --> 02:11:47.760 they each own fifty percent of the house separately? Yes, 2671 02:11:48.159 --> 02:11:50.840 let's get on. Let's get on, Brad O'Brien. I swear 2672 02:11:50.880 --> 02:11:53.960 to god, I'm going to tell everybody something embarrassing. Tom 2673 02:11:54.039 --> 02:11:59.760 screwed up one time fifteen years ago using these two phrases. Okay, 2674 02:12:00.560 --> 02:12:05.479 and we both realized he was wrong. Okay. Ever since 2675 02:12:05.520 --> 02:12:08.479 then I couldnot fix that in my head. 2676 02:12:08.720 --> 02:12:12.359 It isn't joint Tennessee means if one person dies, the 2677 02:12:12.399 --> 02:12:16.119 other person gets it all, whereas comments, it doesn't work 2678 02:12:16.159 --> 02:12:18.039 that way. I get how they work. 2679 02:12:18.119 --> 02:12:21.840 I get to two different So he's saying that both 2680 02:12:21.880 --> 02:12:24.560 of them owned individual pieces of that house. 2681 02:12:25.680 --> 02:12:27.640 That's what Tennessee and comment is, I. 2682 02:12:27.640 --> 02:12:30.319 Would have married couple in a million years. Do that 2683 02:12:30.439 --> 02:12:31.760 is what I'm not understanding. 2684 02:12:31.800 --> 02:12:34.479 But if you don't specify, it automatically goes that way. 2685 02:12:34.520 --> 02:12:37.279 That's what he's saying. So I've never heard that that. Okay, 2686 02:12:37.399 --> 02:12:39.520 let let's get Brad on. Hold on, let me take 2687 02:12:39.560 --> 02:12:41.840 this break. Hopefully we can squeeze him in hold on. 2688 02:12:41.920 --> 02:12:42.079 Man. 2689 02:12:42.119 --> 02:12:44.039 If we can't get it, we'll get him on tomorrow. 2690 02:12:44.520 --> 02:12:47.880 This guy's gonna have all the answers. I still want 2691 02:12:47.880 --> 02:12:53.000 to understand it. Better hold tight, all right? Three on 2692 02:12:53.119 --> 02:12:55.600 three seven three A two five five. I'm gonna go 2693 02:12:55.680 --> 02:12:58.640 directly to Brad O'Brien. Brad, I've got a question for you. 2694 02:12:58.760 --> 02:13:02.039 When Susanne and I bought our house, well, actually that's 2695 02:13:02.079 --> 02:13:04.560 not a good example because it's in her name. But 2696 02:13:04.680 --> 02:13:06.640 when a couple goes to buy a house and they 2697 02:13:06.680 --> 02:13:09.560 go through a lender and they're they're they're both purchasing 2698 02:13:09.600 --> 02:13:14.520 the house a married couple, is it stated that it's 2699 02:13:14.560 --> 02:13:18.840 tenants in common or joint tenancy or if it's not stated, 2700 02:13:18.880 --> 02:13:21.680 what is it to fault to in Colorado? 2701 02:13:21.720 --> 02:13:23.600 If it's not standard that it's going to be tenancy 2702 02:13:23.680 --> 02:13:27.880 in common, you actually have to stay joint tenancy or 2703 02:13:28.319 --> 02:13:30.640 joint tennancy with writer survivorship in order to have the 2704 02:13:30.720 --> 02:13:31.359 joint tenancy. 2705 02:13:31.840 --> 02:13:35.279 So in this case, let me bring let me bring 2706 02:13:35.399 --> 02:13:39.760 up our guy and where is he, Michael? So, Michael 2707 02:13:40.520 --> 02:13:42.720 who passed away? 2708 02:13:42.840 --> 02:13:43.159 The Why? 2709 02:13:43.640 --> 02:13:47.920 So the wife passes away and her portion of the 2710 02:13:48.039 --> 02:13:51.920 house is going to the daughter, the other person that 2711 02:13:52.079 --> 02:13:56.560 owns the other fifty percent. Brad wants to sell it, 2712 02:13:57.079 --> 02:13:59.880 but the daughter doesn't want to sell it. Is that right, Mike? 2713 02:14:01.399 --> 02:14:04.039 Well, she has a drug problem and she's just stonewalling 2714 02:14:04.119 --> 02:14:04.960 him and ghosting him. 2715 02:14:05.560 --> 02:14:10.039 But she doesn't live there, right, yes, correct, So Brad, 2716 02:14:10.079 --> 02:14:12.119 what kind of action and how do you force an 2717 02:14:12.119 --> 02:14:15.199 action at this point? Or or there's nothing you can do? 2718 02:14:16.720 --> 02:14:18.159 Well, first, I have to look at the deed from 2719 02:14:18.159 --> 02:14:20.279 when they purchased it to see if it was joint 2720 02:14:20.279 --> 02:14:22.720 tenancy or tendancy in common. He's saying, there's doesn't state 2721 02:14:22.720 --> 02:14:24.800 either way. 2722 02:14:24.880 --> 02:14:26.560 It is tenants in common. 2723 02:14:27.000 --> 02:14:30.119 Okay, And that's point. One of the owners wants to 2724 02:14:30.279 --> 02:14:31.760 sell them. The other one does not. 2725 02:14:31.720 --> 02:14:32.119 Want to sell. 2726 02:14:32.159 --> 02:14:33.880 Well, the other one doesn't know what they want to do. 2727 02:14:33.960 --> 02:14:36.279 Apparently they're a drug addict. They don't live there, but 2728 02:14:36.319 --> 02:14:38.520 they own fifty percent of it, and the guy wants 2729 02:14:38.560 --> 02:14:39.039 to sell it. 2730 02:14:39.840 --> 02:14:43.000 Okay, and she has said previously that she would sign 2731 02:14:43.039 --> 02:14:45.279 it over to him, but she is now ghosting him. 2732 02:14:46.720 --> 02:14:47.199 Okay. 2733 02:14:47.439 --> 02:14:49.960 Well, I mean ultimately, any co owner has the right 2734 02:14:50.039 --> 02:14:52.960 to get a judicial partition, go to court and get 2735 02:14:52.960 --> 02:14:56.960 the property partitioned and sold and uh and then you 2736 02:14:57.000 --> 02:15:01.520 split the proceeds. But the other co owner normally has 2737 02:15:01.560 --> 02:15:05.399 an opportunity to buy out the one who wants to sell. 2738 02:15:05.600 --> 02:15:10.079 Yeah, I mean you but if she what she literally disappears, 2739 02:15:10.079 --> 02:15:11.520 that's when you have to go to court. 2740 02:15:13.520 --> 02:15:15.920 Yes, you can't lose title your house through abandonment. 2741 02:15:16.279 --> 02:15:18.880 Yeah, yeah, no, that's what I'm saying. Then you've got 2742 02:15:18.920 --> 02:15:20.520 to go to court and basically you're going to motion 2743 02:15:20.680 --> 02:15:23.119 the judge to be able to sell the house and 2744 02:15:23.159 --> 02:15:24.159 split the proceeds. 2745 02:15:24.720 --> 02:15:26.840 Yeah. If you can't find them ultimately, if you can't 2746 02:15:26.960 --> 02:15:29.520 serve them with the papers, you can serve them through 2747 02:15:29.520 --> 02:15:32.720 alternative means, like through the mail or through publication in 2748 02:15:32.760 --> 02:15:33.359 the newspaper. 2749 02:15:33.680 --> 02:15:35.880 Michael, what I do is have this guy call up 2750 02:15:35.920 --> 02:15:39.039 Brad and he can help them through this process. But 2751 02:15:39.199 --> 02:15:41.359 I mean, really, you've got to get an attorney involved. 2752 02:15:41.359 --> 02:15:43.520 If you really can't get a hold of her, like 2753 02:15:43.560 --> 02:15:46.720 you said, you can put notices and newspapers and do 2754 02:15:46.840 --> 02:15:49.439 certain things, and you basically go to the court and 2755 02:15:49.600 --> 02:15:51.840 show them prove that basically you tried to get in 2756 02:15:51.880 --> 02:15:54.399 touch with them, and then you'll have the ability to 2757 02:15:54.479 --> 02:15:56.640 sell it and then split the proceeds. 2758 02:15:58.119 --> 02:16:01.359 She is serviable, that's for sure. But he's broke, doesn't 2759 02:16:01.399 --> 02:16:03.319 have the money to hire an attorney. 2760 02:16:02.880 --> 02:16:04.159 And well then they're stuck. 2761 02:16:04.239 --> 02:16:06.239 That's yeah, that's right. 2762 02:16:06.359 --> 02:16:09.439 Yeah, I mean they're stuck, Brad, how come most are 2763 02:16:09.479 --> 02:16:11.680 not like that with the married couple. This really has 2764 02:16:11.680 --> 02:16:14.439 nothing to do with Michael. Michael. I'll give his number 2765 02:16:14.439 --> 02:16:16.319 out though if you want to ask many other questions 2766 02:16:16.359 --> 02:16:19.880 off arab, but Brad, real quick, like, when most married 2767 02:16:19.920 --> 02:16:22.119 couples buy a house and they go through a mortgage, 2768 02:16:23.000 --> 02:16:26.920 isn't it right the survivorship right to survivorship. 2769 02:16:28.359 --> 02:16:31.439 Even if a married couple buys a house, it still 2770 02:16:31.439 --> 02:16:34.120 has to stay joint tenancy in the deed from when 2771 02:16:34.159 --> 02:16:36.639 they purchased it. Otherwise it is tendency in common even 2772 02:16:36.680 --> 02:16:37.559 between married partners. 2773 02:16:37.639 --> 02:16:40.000 So but most of the time it always is right. 2774 02:16:40.920 --> 02:16:44.159 Well, yes, my custom, most married couples do buy in 2775 02:16:44.239 --> 02:16:44.840 joint tennancy. 2776 02:16:44.959 --> 02:16:47.319 Why wouldn't they default it? The other way then, just 2777 02:16:47.360 --> 02:16:48.399 out of curiosity. 2778 02:16:50.000 --> 02:16:52.440 That's just the way that the law is. Our law 2779 02:16:52.559 --> 02:16:56.000 derives from you know, old English law, and that's what 2780 02:16:56.040 --> 02:16:57.479 the way the common law might have been. 2781 02:16:57.760 --> 02:17:01.440 Yeah, that's so curious to me. Okay. So usually people 2782 02:17:01.879 --> 02:17:05.520 like I don't know up until maybe my third house 2783 02:17:05.559 --> 02:17:08.079 we bought, like our first house, I never would have 2784 02:17:08.440 --> 02:17:11.280 thought to sit down and tell my lender or tell 2785 02:17:11.319 --> 02:17:14.040 the builder, hey, I want this to be joint tenancy, 2786 02:17:14.120 --> 02:17:17.280 or I want this to be tenancy in common. I 2787 02:17:17.399 --> 02:17:19.639 just most people that are buying their first house would 2788 02:17:19.639 --> 02:17:22.280 never think about that. But it tends to end up 2789 02:17:22.799 --> 02:17:25.840 that they're joint tenancy, right, I mean that's generally how 2790 02:17:25.879 --> 02:17:26.479 it ends up. 2791 02:17:27.479 --> 02:17:30.120 Yes, And most title companies and real estate brokers and 2792 02:17:30.159 --> 02:17:32.559 attorneys who are involved will know to ask the buying 2793 02:17:33.000 --> 02:17:36.239 the buying couple or which way they want to take it. 2794 02:17:36.319 --> 02:17:38.399 Yeah, but they're going to more or less explain it 2795 02:17:38.479 --> 02:17:41.520 like we have today, like you know, rights of survivorship 2796 02:17:41.559 --> 02:17:45.399 compared to each own whatever. Hey, that's Brad O'Brien. The 2797 02:17:45.440 --> 02:17:48.680 show is basically over. Brad. I appreciate it. And Brad's 2798 02:17:48.760 --> 02:17:52.200 number for everybody out there seven two zero three seven 2799 02:17:52.280 --> 02:17:56.239 zero seven, three eight eight or olslaw dot com. Hey 2800 02:17:56.360 --> 02:17:59.520 Ray and Maryland, you've guys got a problem with the 2801 02:17:59.559 --> 02:18:01.959 process server. I'm gonna get you up first thing in 2802 02:18:02.040 --> 02:18:05.079 the morning. Three oh three Martino. That number works on 2803 02:18:05.159 --> 02:18:08.399 and off the air. And Robert Bruce. You can find 2804 02:18:08.479 --> 02:18:10.879 him on a referral list a referral list dot com.