Speaker 1: Ripped off, news needs who you.
Speaker 2: Don't have Corning's success as we can.
Speaker 3: Shooter's gonna help coming.
Speaker 2: Man, this is.
Speaker 4: The Troubleshooter Show.
Speaker 5: No Tom Martinez, Welcome, Welcome to the only let show
Speaker 5: of this guy.
Speaker 4: We're here to solve problems, answer questions, take complaints. My goodness,
Speaker 4: we are here to make your life a little bit
Speaker 4: better if you've been ripped off or taking advantage of.
Speaker 4: Maybe you got a problem with a landlord, maybe you
Speaker 4: got a problem with a landscaper. That's gonna start popping
Speaker 4: up a lot. In fact, landscapers, I'm gonna tell you
Speaker 4: something coming up in the next couple months. We start
Speaker 4: hearing a lot of problems all around Colorado and the
Speaker 4: country with landscapers. Be careful, pay as you go, pay
Speaker 4: as you go. In fact, the best way to do
Speaker 4: it is don't pay anything up front. But I will
Speaker 4: say this, if they do labor one day and you're
Speaker 4: doing an hourly deal with them, pay up front or
Speaker 4: pay daily. But man, do not pay the whole thing
Speaker 4: up front. You will see we have lots of issues.
Speaker 4: I remember last year, lots of retaining wall problems. Basically,
Speaker 4: landscapers had show up and honestly, just have no idea
Speaker 4: what they're doing. That's the bottom line. They shouldn't be
Speaker 4: in the business. Some of them might be outright crooks.
Speaker 4: I remember a few last year that basically showed up,
Speaker 4: took money and did nothing. So you got to watch
Speaker 4: out for that.
Speaker 6: Go ahead, doc, I can't think, Well, the problem is
Speaker 6: anybody can just get a couple of guys with shovels
Speaker 6: and rakes.
Speaker 4: Yeah, anywhere in front of the depot for that matter,
Speaker 4: and we'll just do your landscaping. Yep. Yeah. Make sure
Speaker 4: they know what they're doing. I mean, that's the that's
Speaker 4: the deal. Three oh three seven one three eight two
Speaker 4: five five. By the way, this hour brought to you
Speaker 4: by Frank Dran, the real estate man. In fact, we
Speaker 4: talked to Frank yesterday. He's doing something really cool, free analysis.
Speaker 4: If you got your evaluation on your house or your
Speaker 4: property tax assessment and it seems high, he's gonna do
Speaker 4: a free assessment for you, a free valuation, so you
Speaker 4: can fight it. But listen, you got to basically get
Speaker 4: it done this month. The window these counties give you
Speaker 4: is so so small, it's like almost a month. I
Speaker 4: think it might be the fifth of June, it's over.
Speaker 4: But people's property ours went up, Suzanna and I's went
Speaker 4: up three hundred thousand, and I had him do an
Speaker 4: evaluation on it, and he brought it down about one
Speaker 4: hundred and fifty and gave me the comps to prove it.
Speaker 4: So I'll out of a zoom meeting with Douglas County.
Speaker 4: And I had to do this. I had to do
Speaker 4: this three years ago or two years ago as well. Brian,
Speaker 4: did yours come in yet? By the way, that's Brian
Speaker 4: Burns's compass insurance? Yep?
Speaker 7: Mine went up again. I did fight it a couple
Speaker 7: of years ago.
Speaker 4: Did you win?
Speaker 7: Not nearly what I had asked for, but a little
Speaker 7: bit like fifty thousand or something I got.
Speaker 4: Mine went up, God, I don't remember. That was the
Speaker 4: big one. Was the one that just skyrocketed. It went
Speaker 4: up like five six hundred thousand dollars man, yep, and
Speaker 4: I got them to knockoff. Maybe I think it was
Speaker 4: about three hundred so, but it is, you know, every
Speaker 4: penny counts, man, absolutely. But what irritates me they're acting
Speaker 4: like hey boom, yeah, you know. I started thinking if
Speaker 4: I could sell that house for what they say it's
Speaker 4: worth now, I might put it up for sale. I mean,
Speaker 4: they just inflate these numbers. I don't even know what
Speaker 4: it's based upon. If I go to Zillow, realtor dot com,
Speaker 4: if I go to any of these things, my freaking
Speaker 4: house doesn't come near that.
Speaker 2: No.
Speaker 7: And some people when they get these notices, they actually
Speaker 7: are like they think it's a compliment that their house
Speaker 7: is worth so much. And I'm like, no, no, you're just
Speaker 7: getting paid. You're gonna have to pay more taxes. That's
Speaker 7: the only only establishment. Yeah, so we got rid of
Speaker 7: the Gallagher Amendment.
Speaker 4: And basically what happened is the Democrats or basically the
Speaker 4: people we elected in Colorado, Okidoctas, about two or three
Speaker 4: years ago they said, hey, this year, we'll give you
Speaker 4: a really good deal on property taxes. Then it's going
Speaker 4: to go up at least. So what they did it
Speaker 4: is a change the way they value it. They went
Speaker 4: more to a real well the problem is now it's
Speaker 4: too inflated, but they went to a real value. Prior
Speaker 4: to that, the value was usually about thirty forty, maybe
Speaker 4: even fifty percent less than what the property was actually worth.
Speaker 4: So I understand that something probably needed to be changed,
Speaker 4: but the way they did it by getting rid of
Speaker 4: the Gallagher Amendment just killed us. I mean really, they
Speaker 4: screwed everybody here.
Speaker 7: Yeah, because it's like you said, a lot of the
Speaker 7: values that come in now are higher than what the
Speaker 7: house is worth.
Speaker 4: And so yeah, and that's and that's where I started this.
Speaker 4: So Frank Deran, the real estate man, he's going to
Speaker 4: do a free valuation and plus you're going to figure
Speaker 4: out how much your house is worth. Doesn't cost you
Speaker 4: a dime, and he'll give you a report. I got
Speaker 4: mine the other day. It's about one hundred and fifty
Speaker 4: two hundred thousand less than what Douglas County says. Let
Speaker 4: me introduce somebody else, Robert Bruce, Integrity Electric and Home Improvement.
Speaker 4: You've been on our How long you've been on the referra? Man?
Speaker 4: At least fifteen? You got to get close to the
Speaker 4: mic and then hit the on button. There you go, man,
Speaker 4: rookie mistake here? How long?
Speaker 8: So I was here? Came in with Tom on two
Speaker 8: thousand and eight.
Speaker 4: Wow, okay, that's almost you're coming up on twenty years. Hey,
Speaker 4: let me ask you something, man, did you get your
Speaker 4: valuation on your house, I did, was it up?
Speaker 9: Down?
Speaker 4: Went down?
Speaker 10: Oh?
Speaker 4: It went down. That's a wrapple Hoole County. Someone yesterday
Speaker 4: said theirs went down. Dang it. I forget who it was.
Speaker 4: It might have been a caller, but someone said theirs
Speaker 4: went down, and I was shock because mine went up
Speaker 4: by such a stupid amount. I mean, it's just like
Speaker 4: they throw a dart and whatever it hits the number,
Speaker 4: they add a couple of zeros to doc. You said,
Speaker 4: yours went up, but you're not going to fight at
Speaker 4: which I don't understand. Yeah, here's the problem.
Speaker 9: You know.
Speaker 6: It's a new development.
Speaker 2: Yeah.
Speaker 4: Three other of the units, Yeah.
Speaker 6: That were exactly the same as mine. Yeah, came sold
Speaker 6: for two hundred thousand dollars more than mine sould.
Speaker 4: So the comps are right there. Yea, yeah, you know what,
Speaker 4: I think you're probably correct there. I mean if you
Speaker 4: had a neighborhood like an Highlands ranch, where you have
Speaker 4: ten different track homes, ten different models, and you have
Speaker 4: five or six of the exact same model, that would
Speaker 4: be kind of hard, especially in a condo, because they're
Speaker 4: identical units right here, pretty much. Yeah, so that they
Speaker 4: I get that, all right? Three oh three seven, one, three, eight,
Speaker 4: two five five. But if you go to Frank Duran
Speaker 4: Holmes dot com Frank Duran Homes dot com and just
Speaker 4: reach out. You can call him and just say, hey,
Speaker 4: I want that free appraisal. It's not really an appraisal,
Speaker 4: but the free comps and he'll put a report together
Speaker 4: and then basically you go to your county you say
Speaker 4: you want to basically fight it, fight the HM out
Speaker 4: there trying to charge you, and then you can upload
Speaker 4: all your evidence and it's a great way to do it.
Speaker 4: Plus the other thing that's nice when you get something
Speaker 4: from Frank a true valuation of your house, Brian, they
Speaker 4: can see if they're insured. And this kind of ties
Speaker 4: into you encompass insurance because how many people call up
Speaker 4: because you know everybody is getting worse and worse insurances
Speaker 4: we go. It's either going to actual cash value policies
Speaker 4: or a percentage of higher deductibles, higher deductibles. It's just
Speaker 4: getting bad no matter what. And just price increases across
Speaker 4: the board. So how many times when you quote a
Speaker 4: house now and Tom, I'll go to you in one second,
Speaker 4: how many times when you quote a house you find
Speaker 4: out that it's undervalued yeah, it happens.
Speaker 7: It used to happen a lot more frequently now I
Speaker 7: think insurance companies have been actively increasing those dwelling limits
Speaker 7: at renewal. Yeah, and so then you always run the risk.
Speaker 7: You want to make sure you're not over insuring, especially
Speaker 7: if you have a carrier that has extended replacement cost,
Speaker 7: and you know, we have a couple carriers that still
Speaker 7: do uncapped replacement cost, meaning that no matter what the dwelling,
Speaker 7: as long as you ensure for what they say, even
Speaker 7: if it exceeds that amount, they'll pay for it. So
Speaker 7: that's good, that's what you want. You want the onus
Speaker 7: on the insurance company.
Speaker 4: You adjusted mine, I think it was two years ago.
Speaker 4: It was pretty massive. Man, we had to go up.
Speaker 4: I mean a lot of money. It was ridiculous because
Speaker 4: off our house burned down. Literally we would be, you know,
Speaker 4: thirty percent under insured. I mean now we're fine, but
Speaker 4: that was crazy. So that's the other reason this valuation.
Speaker 4: They can look at it, see it and then look
Speaker 4: at their coverage and see them make sure they coverage.
Speaker 4: Because the Boulder fire, how many people were.
Speaker 7: There was a ninety seven percent of the people were
Speaker 7: under insured. After the Boulder fire percent. That's what the
Speaker 7: Denver Post came out with. That's such a crazy number.
Speaker 7: Like everybody I almost say what it was? Almost everybody was.
Speaker 7: I mean, that's absolutely bonkers.
Speaker 4: Hey, Tom, tell me what the issue is and then
Speaker 4: I got to take a break and when I come back,
Speaker 4: we'll figure it out for you. What's going on? Tom?
Speaker 9: Hey? Mark, So thanks sticking my call. About a year
Speaker 9: and a half ago, my little brother unexpectedly passed away.
Speaker 4: Oh I'm sorry.
Speaker 9: I had to hire Yeah, thank you. Hey. I had
Speaker 9: to hire an attorney and I was David Salisbury actually
Speaker 9: for the second time, to open up the probate. It
Speaker 9: was a very basic probate, only had his house. It
Speaker 9: was like seventy thousand dollars, not much there so, but
Speaker 9: I still had to open up a probate. Well, it's opened,
Speaker 9: sold the house, good to go. So I'm trying to
Speaker 9: get a hold of David. He was on your refram.
Speaker 11: He retired for a long time. He retired, bro, that's
Speaker 11: my that's my concern is the probate's still open. I
Speaker 11: need to close it out with Elbert County and I
Speaker 11: don't know how to do that.
Speaker 4: Well, that's a curious question. Let me do this. Let
Speaker 4: me get Dan McKenzie on and let's ask him if
Speaker 4: a different I don't know why you just wouldn't hire
Speaker 4: another attorney, but let's ask an attorney that does it
Speaker 4: and see what his option is. I mean, you didn't
Speaker 4: pay David and you were just paying him bill hourly right.
Speaker 9: No, no, no, he had a lump see that was
Speaker 9: his model. That was why he was so cheap. Two
Speaker 9: thousand actually this was twenty five hundred for the probate.
Speaker 9: I paid him up front.
Speaker 4: And what does he have left to do?
Speaker 9: Just close it out with Elvert County.
Speaker 4: Yeah, hold on to seg let me get you on. Hold,
Speaker 4: let's do that, Kelly. I want to get I want
Speaker 4: to get mackenzie on. Three oh three seven one three
Speaker 4: A two five five three oh three Martino. We got
Speaker 4: three lines open and I'm going to try to text
Speaker 4: get me this guy's last name to Kelly, Tom's last name.
Speaker 4: Everybody holds tight.
Speaker 12: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 12: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up, free no obligation comparison
Speaker 12: call Compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies. Find out now three oh three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate man dot
Speaker 12: com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three A two
Speaker 4: five five three oh three Martino, we got three lines
Speaker 4: open dying to help you guys out. And by the way,
Speaker 4: any questions, I'm going to tell you what. I'm gonna
Speaker 4: tell you what Robert Bruce does. Integrity electric Well, that's easy.
Speaker 4: You're an electrician. I assume you're a master electrician, not
Speaker 4: a what's the air is his mic on? I just
Speaker 4: can't tell no, Yeah, go ahead. You're a journey.
Speaker 8: Yeah, so I'm a journeyman.
Speaker 4: Now, I astucate me really quick. What's the difference? I
Speaker 4: don't get it?
Speaker 14: Uh, journeymen and masters the biggest differences. Journeyman's do the work.
Speaker 4: And the master's pull permit. Yeah, and then train the journeyman. No, No,
Speaker 4: you learn all that on the out. So you can't
Speaker 4: pull permits or you can I can't, so when you
Speaker 4: do like home improvements for people, generally, I assume the
Speaker 4: resident or the owner of the properties one pulling the permit.
Speaker 8: Or oftentimes you know, if it's just like adding some
Speaker 8: lights or a.
Speaker 4: Ceiling fan or a ceiling permit needed.
Speaker 8: Well technically yes you should.
Speaker 4: But even but like just like swapping out a ceiling man,
Speaker 4: are you serious if not swapping okay, installing.
Speaker 14: Installing a new one where you let's say you've had
Speaker 14: to put a box in, Yeah, switch.
Speaker 15: In for them?
Speaker 4: Yeah, okay, So you should.
Speaker 8: Spend that extra hundred dollars.
Speaker 4: Well I'm trying to think. Yeah, like a lot of
Speaker 4: people don't want to spend that anyhow, and if they
Speaker 4: had a I guess, I guess. Really, what it comes
Speaker 4: down to is you're supposed to do it to pay
Speaker 4: the piper. I mean, really, that's what it comes down to.
Speaker 4: Well you all pay that piper. Well, can you really
Speaker 4: get in trouble for it? Does that ever happen? Have
Speaker 4: you ever heard of someone like not pulling a permit,
Speaker 4: like even doing their entire basement, not pulling a permit,
Speaker 4: but using actual license plumbers and electricians because you don't
Speaker 4: want your house to blow up or burn down or flood.
Speaker 4: So I mean, have you ever heard anybody in here
Speaker 4: of like the county coming in and actually you know,
Speaker 4: smacking you around and assessing what you've done and then
Speaker 4: charging you.
Speaker 14: Like on a big project like that, they would red
Speaker 14: tag it, which means they would.
Speaker 4: Just how would they even know it happened.
Speaker 14: I've heard stories with people who are inspectors were just
Speaker 14: driving around and seeing a job site and stopped in
Speaker 14: to say.
Speaker 4: Hello, And that's crazy, man.
Speaker 7: I think also, and you would be the expert on this,
Speaker 7: but I think sometimes neighbors can plain when they hear noise,
Speaker 7: you know, construction going on in the basement.
Speaker 4: Yeah, turn them in.
Speaker 7: They will turn them in and they'll come out.
Speaker 4: I can get I built a big RV like garage,
Speaker 4: and I mean that would be so evident I had
Speaker 4: to pull it. Plus, when you're building a structure like that,
Speaker 4: I mean, I want to make sure the inspector comes
Speaker 4: out and looks at everything, because I'm dumping a ton
Speaker 4: of money into that thing.
Speaker 7: But even in basements, even if it's inside, they're still
Speaker 7: delivering lumber, they're delivering drywall.
Speaker 4: Yeah, might have a lot of evidence art well, our
Speaker 4: basement when we bought this house was finished, but the
Speaker 4: one we had in Castle Rock I finished over a
Speaker 4: very long period of time, like four or five years.
Speaker 4: And you know, we did the framing when the guy
Speaker 4: next door was building the house. I grabbed the framing crew,
Speaker 4: just paid him some cash to come over and you know,
Speaker 4: not dad out. Eventually did the drywall, eventually had an
Speaker 4: electrician come in. I mean, basically pieced it together in
Speaker 4: four or five years. I never pulled a permit on it.
Speaker 4: I mean I disclosed that when Frank Durant sold to
Speaker 4: the house. But I don't know so but hold on,
Speaker 4: Hey Tom, Hey Kelly. Did we get Mackenzie.
Speaker 14: He hasn't answered me back yet, so I'm not sure
Speaker 14: if he's unavailable or just in a meeting case.
Speaker 4: So hey, Tom, two things. One, I texted Salisbury and
Speaker 4: I have no idea if I'm going to hear back
Speaker 4: from him. I don't even know if he's in the state.
Speaker 4: So I'm going to text him. And I got your
Speaker 4: first and last name. What would the case be under
Speaker 4: or what what would he look it up under your
Speaker 4: brother's name or your name?
Speaker 9: Yes, it'd be under my brother's name, same last name.
Speaker 4: What's your brother's first name, Jeffrey. Jeffrey. I'm going to text.
Speaker 9: Earlier it was Elbert County. It's not it's Lincoln County.
Speaker 4: It's not Lincoln. Hold on, I'm just making a note here.
Speaker 4: So Jeffrey and Lincoln County, and all he has to
Speaker 4: do is clothes to just finish up the probate.
Speaker 9: Exactly, and it's all paid for it.
Speaker 4: Like I said, with Sulisburg, and that's how he did it.
Speaker 4: I didn't know that he did flat right. That's kind
Speaker 4: of cool, and I'll tell everybody out there what happened.
Speaker 4: His mother ended up moving in with him. She's pretty
Speaker 4: old and I hope she's okay now. She might have
Speaker 4: even passed by now, but it was full time care.
Speaker 4: I mean, she was in really bad shape. He was
Speaker 4: going to actually do some stuff for Suzanne and I
Speaker 4: probably about I don't know. I reached out to him
Speaker 4: maybe a year ago. It's been a while, and the
Speaker 4: bottom line was he said, I just can't. And I
Speaker 4: was kind of shocked because I've known him and he
Speaker 4: actually did our original trust. But anyhow, that's kind of
Speaker 4: the story. It's not like he's really ghosting anybody, but
Speaker 4: his mom's in really really bad shape. If she's still
Speaker 4: with us. I think she was in her nineties. I mean,
Speaker 4: it's it was a bad deal, But let me see
Speaker 4: if I can't get him to do that. If I
Speaker 4: can contact him, I'm sure we'll figure something out. Maybe
Speaker 4: he can pay somebody else to do it. If you
Speaker 4: already paid him. I'm sure we'll get it figured out.
Speaker 4: But what I'm worried about is if I can't contact him.
Speaker 4: But I think between Susanna and I, we probably have
Speaker 4: multiple numbers for him. So we'll try everything and make
Speaker 4: sure that Kelly has all your information so I can
Speaker 4: reach back out to you as soon as we figure
Speaker 4: it out. Good Mark, thank you for me you got him. Man,
Speaker 4: Sorry about your brother. You mind if I ask what happened?
Speaker 4: Just out of curiosity because you don't sound very old.
Speaker 9: Yeah. No, he was a great guy, and I kind
Speaker 9: of just a little bit of depression and then basically
Speaker 9: just drank himself to death.
Speaker 4: Oh man, that's horrible.
Speaker 9: Yeah, that's Horrible's six years old and just boom and
Speaker 9: I long long story, but.
Speaker 4: Yeah, sure, that's that's really sad. Man, I had a
Speaker 4: buddy like that. God rest his soul. Larry and the
Speaker 4: guy just couldn't stop drinking. I saw him drink so
Speaker 4: much one night I called his mother over. I was
Speaker 4: at his house helping him with a computer problem, and
Speaker 4: this guy drank so much. I looked at him when
Speaker 4: I got over there, I was like, dude, something's wrong
Speaker 4: with you. You're yellow, man, You're like totally yellow. And
Speaker 4: he was in jaundice. And I didn't know what to do.
Speaker 4: I mean, Larry at the time was sixty, I was
Speaker 4: probably kad I was probably maybe thirty. And I called
Speaker 4: his mother. I mean, he wasn't going to do anything,
Speaker 4: and he looked like death, and I called his mother.
Speaker 4: His mother came over, took him to the hospital. Sure enough,
Speaker 4: he was in full blown liver failure. And they got
Speaker 4: him to the hospital. And you know, when you're an
Speaker 4: alcoholic like that, they don't put you on the liver list.
Speaker 4: So this is kind of a sad story.
Speaker 9: Man.
Speaker 4: I'm not even sure why I'm telling you, but I am.
Speaker 4: I'll tell you why I'm telling it. So people out there,
Speaker 4: if they see the signs or if they're actually dealing
Speaker 4: with it. I mean, it's a real deal, man. So
Speaker 4: he turned yellow, goes to the hospital and he kind
Speaker 4: of rehabbed and went dry for like, I want to say,
Speaker 4: a couple months. I mean he really did, and he
Speaker 4: quit drinking. And I think he was smoking pot still,
Speaker 4: but I don't think that messages with your liver, not
Speaker 4: like alcohol. But the bottom line was he got back
Speaker 4: on it, man, and he was drinking a leader, not
Speaker 4: even a fifth a leader of vodka a day. I
Speaker 4: mean like three or four shots. I can't walk, But
Speaker 4: I mean think of like, what is that? Almost like community?
Speaker 4: You build up on it. And he was drinking that much.
Speaker 4: And then he quit again. And the second time you quit,
Speaker 4: he quit for a year. And that was really impressive.
Speaker 4: And I've known Larry forever. He was like a brother
Speaker 4: to me, and I thought, Wow, this guy's really going
Speaker 4: to get through it. After he was a year or
Speaker 4: maybe it was two years sober and he had the test,
Speaker 4: they put him on the liver list. Oh the other
Speaker 4: thing he had was HEPC. He got hep C, the
Speaker 4: only him in about eight other guys that were going
Speaker 4: to NOM. I guess back then, when they basically brought
Speaker 4: you to boot camp, they'd line you up in front
Speaker 4: of the bus and they'd stick you with the needle
Speaker 4: for whatever that needle's for. And apparently five or cents
Speaker 4: in his platoon all got hep C and they all
Speaker 4: think it was from that. So when you have f
Speaker 4: C and you're drinking, I mean, that's the double whammie.
Speaker 4: But anyhow, you're done, Yeah, you're done. He got on
Speaker 4: the liver list, Tom He literally got on this liver list,
Speaker 4: and he waited years, and you know, you're not at
Speaker 4: the top of the list. But he moved to Tennessee
Speaker 4: and he gets a call out of state and he
Speaker 4: had to drive I forget to what state, maybe it
Speaker 4: was North Carolina, and they got a liver for him.
Speaker 4: And he's telling me this, and he's telling his family
Speaker 4: here who I know, and he starts leaving to go
Speaker 4: get the liver. This is the saddest thing I ever heard.
Speaker 4: I have no idea what's going on, why it happened.
Speaker 4: I get a call from some county in North Carolina
Speaker 4: or whatever state he was heading to, and he got
Speaker 4: drunk at a bar and got a DUI on the
Speaker 4: way to get It's almost like unbelievable. It's almost like
Speaker 4: he didn't want to get it. I mean, there's something
Speaker 4: because because he was sober for so long, and then
Speaker 4: all of a sudden, when he was heading there to
Speaker 4: make sure the match and make sure everything was perfect,
Speaker 4: he literally got drunk and got a dui. It was
Speaker 4: saddest thing ever. And then he died. About God, he
Speaker 4: died maybe four or five months later. Like your like
Speaker 4: your brother, uh did just basically drank himself to death.
Speaker 2: Tom.
Speaker 4: Sorry to bring up that bummer story, but anybody out there, Yeah,
Speaker 4: if you know anybody's struggling, I don't know how you intervene.
Speaker 4: I mean, really it's probably it sounds easy to do,
Speaker 4: but I tried to kind of help Larry. And the
Speaker 4: weird part about Larry was he was sober for so
Speaker 4: long and then when everything was coming together, he like
Speaker 4: started drinking. Not only drinking, he got a dui on
Speaker 4: the way to get it. It's crazy. We got lines
Speaker 4: open three oh three seven, one three eight, two five five.
Speaker 12: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three, seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five, we got lines open. You have any questions
Speaker 4: you've been ripped off, taking advantage of whatever help you need.
Speaker 4: We can also get one of our attorneys on if needed.
Speaker 4: Let's talk insurance, Brian number one, how much your rate's
Speaker 4: going up this year on homes? Are you seeing it
Speaker 4: pretty flat or for the first time in a while.
Speaker 7: First time in a while, I'm seeing much less increases
Speaker 7: in rates and that. And really it's not because they've
Speaker 7: taken less losses because they had a terrible loss here
Speaker 7: last year. It's because you're seeing that the policies are
Speaker 7: being adjusted to take out coverage for hal It's worse insurance.
Speaker 7: It's worse insurance. It's it's it's starting to shift more
Speaker 7: of the responsibility of hail claims and win claims onto people,
Speaker 7: onto the consumers.
Speaker 4: So people at this point, like I did, you'd be
Speaker 4: smart to get truly a hailproof roof. Absolutely, because it's
Speaker 4: to the point where I mean, is almost all the
Speaker 4: policies ACV now or what are they?
Speaker 7: Not all of them, but I would say the bulk
Speaker 7: of them, after a roof hits ten years in age,
Speaker 7: will go to ACV almost all, not every single carrier,
Speaker 7: but there is the bulk of them.
Speaker 4: Do so even if you ever play I post who
Speaker 4: do I have Safeco?
Speaker 9: Three?
Speaker 7: You you have safeg and Safeco on a new policy
Speaker 7: they give that option. Now you're not you're kind of
Speaker 7: grandfathered in where you have replacement cost on your roof.
Speaker 7: It doesn't expire. Yeah, but they are one that would
Speaker 7: convert to ACV on new policies ten years at ten
Speaker 7: years yeah, so actual cash value so at the time
Speaker 7: of law, your your settlement would be would have depreciation
Speaker 7: in there. So they're go only going to give you
Speaker 7: the value of the roof at the time of loss.
Speaker 7: So the roof is ten years old, it's an asphalt roof,
Speaker 7: that's probably about half the life. They're going to only
Speaker 7: give you a fifty percent or you know, whatever that
Speaker 7: personation is.
Speaker 4: Doing is after the ten years yeah.
Speaker 2: Two.
Speaker 4: So in other words, you can teen years you get
Speaker 4: full replacement.
Speaker 7: You can you can also choose to pay ACV right
Speaker 7: away if you wanted, but they will allow you to
Speaker 7: have ten years where it's replacement cost, and then on
Speaker 7: the renewal following the tenth year of your roof, it
Speaker 7: will go to ACV.
Speaker 4: I got it at that point, and you know, basically,
Speaker 4: if the roof's twenty grand, you're going to get ten grand.
Speaker 4: It's a ten year mark.
Speaker 7: Not just that ten. And then you're subject to your deductible. Yeah,
Speaker 7: of course, so you might have another five thousand deductible
Speaker 7: or whatever it might be. So you're again that's the
Speaker 7: reason you're going to see the rates on the home
Speaker 7: insurance starting to come down and call right.
Speaker 4: We add one one guy that called up and his
Speaker 4: was I think it was three percent of the dwelling yep,
Speaker 4: which is crazy.
Speaker 7: That's abnormal. That's abnormally high. But I do see two
Speaker 7: percent regularly now I see it now. One percent is
Speaker 7: the norm.
Speaker 4: So you could have though, but think about that if
Speaker 4: you got a million dollar house or what's the average
Speaker 4: I think Frank Durant told me they average like seven
Speaker 4: hundred around here. Yeah, so seven hundred to two percent
Speaker 4: You've got a fourteen thousand dollars deductible on wind in Hal,
Speaker 4: that's right.
Speaker 7: So if you have a roof claim that's covered, you're
Speaker 7: going to be out that first fourteen thousand.
Speaker 4: So what I did with you, guys, if I recall
Speaker 4: my deductible, I think on wind in Hal is like
Speaker 4: five thousand and you know, instead of one thousand. But
Speaker 4: I got a hailproof roof, so I'm really not worried
Speaker 4: about it. In fact, my deductible might even.
Speaker 7: Be tiger than that. You used to be five. And
Speaker 7: then once you got the roof, we talked to him.
Speaker 7: You're like, why wouldn't I increase it and saved the money.
Speaker 4: It could even be like fourteen thousand now, and it
Speaker 4: brought the policy down quite a bit. And I'm really
Speaker 4: just not worried about hail damage. I truly am not.
Speaker 4: I mean I even did the barn with that stuff.
Speaker 7: Yeah, and that's what you're going to start seeing. It's
Speaker 7: going to start to pay off to get a more
Speaker 7: expensive roof, but one that is not subject to hall damage.
Speaker 4: Really, insurance has gone up, but if the price hasn't
Speaker 4: gone up, the coverage has gone down.
Speaker 9: Yep.
Speaker 4: So really it has adjusted again.
Speaker 7: Yeah, so you're not going to see it in the
Speaker 7: form of rate increases as much is what I'll see it.
Speaker 7: And I actually it feel like insurance, you're going to
Speaker 7: see it where you're going to have to be more
Speaker 7: responsible for the payout in the case of a lot.
Speaker 4: How about automotive? How about you know, driving insurance? How
Speaker 4: about auto insurance?
Speaker 7: So far, most carriers I've seen are flat on rate,
Speaker 7: if not one to two percent rate increases on the auto.
Speaker 7: So you're not seeing a huge increase on auto right now?
Speaker 7: Who's your go to on auto?
Speaker 4: Now? I realize, like with me, we have Safeco for
Speaker 4: the home and then when you bundle it with the auto,
Speaker 4: it's the cheapest overall for you for the coverage. Yeah.
Speaker 4: But like just Progressive for example, do they do they
Speaker 4: don't do homeowners do they? They do?
Speaker 7: But they have put a pause on homeowners over the
Speaker 7: last probably almost years in the entire coast in Colorado.
Speaker 7: In Colorado, Colorado. Yeah, so in Colorado they'll start writing again.
Speaker 7: But they're one that's going to have a two percent
Speaker 7: wind hail right away, got it. So, But as far
Speaker 7: as auto, here's the problem. It depends on the risk
Speaker 7: if you have young drivers. If you have teenage drivers,
Speaker 7: I would have a different place to go than if
Speaker 7: you didn't, or if you are over fifty five, there's
Speaker 7: carriers that will have much better auto rates than other carriers.
Speaker 4: How about how about in general? I know everything's different,
Speaker 4: but in general, someone that just has auto insurance, Yeah,
Speaker 4: who's your go to? Is it like Progressive? Is it Safeco?
Speaker 7: Right now, I would say who's pretty aggressively priced for
Speaker 7: standalone auto would be Travelers. Travelers, and that wasn't always
Speaker 7: the case, but now they are. They have really good rates.
Speaker 7: They're really pushing to get auto insurance. But I will
Speaker 7: tell you the other thing is a lot of these
Speaker 7: carriers now, including Progressive, push the telematics. Oh my god,
Speaker 7: I have to do it or else your rape it
Speaker 7: just goes up so much.
Speaker 4: I'm going to tell you why I refuse to use that.
Speaker 4: And we did use it one year with our son.
Speaker 7: You still have you have a discount for when you
Speaker 7: did participate. You guys still have a discount.
Speaker 4: I'm going to tell you now. First of all, I'm
Speaker 4: talking about my son. Yeah, and we had it on
Speaker 4: his and it was through you guys couldn't get him
Speaker 4: progressive in his state, Nebraska, and he ended up getting.
Speaker 4: For the life of me, I can't remember who it is.
Speaker 4: I'm going to figure it out over break, but I'm
Speaker 4: going to tell everybody out there why I would never, ever,
Speaker 4: ever put one of those devices that plug into your car,
Speaker 4: or if it's built into your phone in n phone apps.
Speaker 4: I don't care. This was not at the time. This
Speaker 4: was not at the time. Hold on three oh three
Speaker 4: seven one three talk.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up, free no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies. Find out now three oh three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
Speaker 12: com to list your.
Speaker 4: Home with Remax Alliance.
Speaker 12: Three oh three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three A two
Speaker 4: five five. I think we got YouTube up. I'll check
Speaker 4: over the break. I'm not sure, but three oh three Martino,
Speaker 4: but we had YEP, I'm told it is up. So
Speaker 4: if you go to YouTube, you can type in Troubleshooter
Speaker 4: Network and kind of watch the show and listen behind
Speaker 4: this we were talking about. Actually, Brian, I was going
Speaker 4: to tell you it was one hundred percent progressive snapshot, okay,
Speaker 4: And what happened was is probably when our kids were younger,
Speaker 4: we had it, and our insurance was going to almost double,
Speaker 4: almost double after the first six months we did it.
Speaker 4: You get a discount for doing it. But when they
Speaker 4: pulled the data, my son would do so much hard
Speaker 4: breaking it was crazy. He drove like a maniac. I mean,
Speaker 4: call it what it is. But the argument would be
Speaker 4: he never got into an accident. There wasn't one accident,
Speaker 4: and I don't mean ever he did get into an
Speaker 4: accident when he was sixteen or whatever, but ever since
Speaker 4: then he was not in accidents. But he's a fast breaker,
Speaker 4: is the biggest thing. So I guess they think you're
Speaker 4: following too close all the time. What the track mostly Yeah, No,
Speaker 4: you're exactly right. It's heart breaks. It's that quick acceleration, acceleration.
Speaker 4: It's a time of day driving. So if you're you're
Speaker 4: consistently driving it one too you see that he worked
Speaker 4: at Walmart and he'd get off work sometimes at midnight.
Speaker 4: No problem, I mean that was not like unheard of.
Speaker 7: But that will affect you. And then speeding, But.
Speaker 4: How about just distance, like how much you drive per year? Yeah?
Speaker 7: Oh yeah, absolutely, that's massive. Yep, the amount of miles
Speaker 7: you're driving sea.
Speaker 4: And here's where my whole argument with this stuff is,
Speaker 4: so one of our cars we drive all the time
Speaker 4: because Suzanna and I are generally together, either here at
Speaker 4: the show or wherever. I mean, we're basically empty nesters.
Speaker 4: We're together all the time and always have been. So
Speaker 4: we usually have one car. That one car might have
Speaker 4: thirty thousand miles on it, but our other car might
Speaker 4: only get two thousand miles on it for that year.
Speaker 4: And I still pay based upon that high car. It's
Speaker 4: not like they care that the other car only does
Speaker 4: two thousand. So snapshot killed us on driving, and it
Speaker 4: really killed us with miles. But when Progressive went to
Speaker 4: renew that damn thing, it almost doubled, almost doubled because
Speaker 4: of that, never got into an accident. I mean, do
Speaker 4: you think that's fair. Well, here's what I would tell
Speaker 4: people to drive. The speed limit but they're eighty five
Speaker 4: years old and they run into stuff all the time, right,
Speaker 4: So it's you're still penalized based off of accidents way
Speaker 4: more than you are on the on the telematics.
Speaker 7: But the idea behind it is it's it's all based
Speaker 7: off of actuarials and statistical data. So they will be
Speaker 7: able to show you, prove to you that most of
Speaker 7: the time people that have those hard breaks are going
Speaker 7: to get an accident. It's far more than people that don't.
Speaker 7: So that's that's the reason that information is used. That's
Speaker 7: the reason they use that as a determining factor of
Speaker 7: the race. It's actual numbers, it's not it's not like
Speaker 7: a picking on someone because of that. It's yeah, but
Speaker 7: I like that, But then there's also going to be
Speaker 7: you know, the rate is also determined based off of
Speaker 7: people's tickets and accidents, so it's not just one thing
Speaker 7: that's being figured. This is just another way where people
Speaker 7: have have come through the years, and I've heard it
Speaker 7: many many times, it's like, why don't you charge me?
Speaker 7: Why am I having to pay for someone else that's
Speaker 7: driving around that?
Speaker 4: Because this really if everybody did it, everybody participated, then
Speaker 4: you're going to get a rudy system.
Speaker 7: Yeah, and so it's still voluntary, voluntary, but I am
Speaker 7: telling you there are carriers that will in the future,
Speaker 7: I believe, not allow it. Otherwise, like you either are
Speaker 7: going to take this on. You're either going to do
Speaker 7: the telematic or we're not going to assure you, and
Speaker 7: then you find somewhere else to go.
Speaker 4: With Tesla, I looked at their insurance because they have
Speaker 4: their own coverage. I don't even know who it's through
Speaker 4: to yours.
Speaker 7: It might be their own stuff. Yeah, it could be
Speaker 7: it's a trillion dollar yeah.
Speaker 4: Yeah, So that's really crazy because they look at your driving.
Speaker 4: They just pull all the data from that car when
Speaker 4: they're looking at you, and they can pull it from
Speaker 4: day one that car was born. Yep. And that's not good.
Speaker 4: That's not good because when I first got that car,
Speaker 4: you know, when you first get a fast car, let's
Speaker 4: just say it, you drive it fast. Of course, it
Speaker 4: came back so high like it was ridiculous. I mean,
Speaker 4: there was no way I could get that coverage.
Speaker 2: It was.
Speaker 4: It was more than twice what you guys got me
Speaker 4: through Safego or whoever I had back then.
Speaker 7: But I bet you on those people that do truly
Speaker 7: go the speed limit, that drive very carefully with Tesla,
Speaker 7: I bet their rates are untouchable.
Speaker 4: I'll tell you this. In the last I don't know,
Speaker 4: six seven months, all I used for the most parts
Speaker 4: auto drive. Yeah, so it's driving. I wonder how they
Speaker 4: look at that, Like, do they look at someone that
Speaker 4: uses that eighty percent of the time is a very low, low.
Speaker 7: Low lane rich they do, I guarantee, because the otherwise,
Speaker 7: I mean, that's the whole idea behind it is that
Speaker 7: they're saying, having the computer drive the car is much safer,
Speaker 7: race safer than a person, and so if you're using
Speaker 7: it all the time, they would use that as part
Speaker 7: of the formula.
Speaker 4: It is so much safer once you once your brain
Speaker 4: accepts what's going on, it is so much safer. It's crazy.
Speaker 4: You've ever been like in a lane and you want
Speaker 4: to you're lik in the left lane, the far left,
Speaker 4: and you want to go to the middle lane, and
Speaker 4: someone in the right lane is going at the same time.
Speaker 4: I mean, the cars looking every direction at every second.
Speaker 4: We're a human, you've got to really look around and stuff.
Speaker 4: I mean, it's it's really remarkable what it does.
Speaker 7: I might retry that. Actually, yeah, now that you have that,
Speaker 7: it probably would. And that brings up a really good point,
Speaker 7: as I was able at this break to pull up
Speaker 7: your policy.
Speaker 4: Yeah, and you got the better driving. There's three drivers
Speaker 4: on your daughter. Yep, you're graduating law school tomorrow. She
Speaker 4: better not be speeding. My wife, who has gone to
Speaker 4: traffic school so many times I can't count, and myself.
Speaker 4: So you're gonna tell us who the high risk is.
Speaker 4: I'm going to who's got the well, no, not right now.
Speaker 4: We're going to take a break and then after the
Speaker 4: break and my money, my money is on my daughter
Speaker 4: and my wife because I am accident free for fifteen years,
Speaker 4: I have not I have one accident. I have not
Speaker 4: had one accident for over fifteen years.
Speaker 12: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 12: dot com.
Speaker 13: You don't pay a cent until you're content, wait.
Speaker 12: Time for an insurance check up, free, no obligation comparison
Speaker 12: call Compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three all three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate man dot
Speaker 12: Com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two.
Speaker 2: Ripped of.
Speaker 4: News need so you don't have.
Speaker 2: Run as fast as we can.
Speaker 3: Shooter's gonna help come.
Speaker 5: This is the Troubleshooter Show. No Tom Martinez, Welcome to
Speaker 5: the only show off this guy.
Speaker 4: We're here to solve problems, answer questions, take complaints, if
Speaker 4: you've been ripped off, if you need help in any
Speaker 4: which way. That is what this show does. We have
Speaker 4: recovered over three hundred million dollars in cash, merchandise, exchanges
Speaker 4: and refunds directly due to the show over the years.
Speaker 4: And today we're talking insurance with Brian Burn's Compass Insurance.
Speaker 4: In fact, I should have done this last hour. If
Speaker 4: you have not had your insurance looked at, There's a
Speaker 4: couple things. It's very important. One I'd say make sure
Speaker 4: you have the proper coverage. Brian. You know you might
Speaker 4: be over insured, you might be under insured. Now, most
Speaker 4: people are never really over insured, are they.
Speaker 7: I mean, is it possible, Yeah, I mean it's possible
Speaker 7: on a home insurance policy to be over insured if
Speaker 7: they have have had you know, that inflationary increase through
Speaker 7: the years, and you know that it's exceeded. But it's abnormal.
Speaker 7: I agree with you, it's not very common.
Speaker 4: So people call up, Actually, what number do you want
Speaker 4: to give out Brian for it?
Speaker 7: Yeah, the three three.
Speaker 4: So if you call these guys up, they're going to
Speaker 4: ask for your deck page, your current one. They're going
Speaker 4: to shop it with up to thirty different companies, and
Speaker 4: they're going to make sure you have the proper coverage,
Speaker 4: which is very important. What I mean by that is
Speaker 4: is your house undervalued? In other words, if it burns
Speaker 4: down or is it a total loss, are you actually covered?
Speaker 4: Because that's a big deal. We talked about the Boulder fires.
Speaker 4: Ninety seven percent of people affected were under insured. Now,
Speaker 4: one of the reasons was is because it was so
Speaker 4: harmful to the area, and all the contractors and all
Speaker 4: the homes that burned down, and all the lumber that
Speaker 4: was needed and all the things to build a house
Speaker 4: that was needed got very expensive supply and demand exactly.
Speaker 4: So part of the underinsured was because it wasn't just
Speaker 4: one home. Absolutely, But I will say this, Mine was
Speaker 4: drastically underinsured from when I purchased it, and we relooked
Speaker 4: at it.
Speaker 7: Yeah, and you just see it. You have to think
Speaker 7: through It's not a matter of what your house is
Speaker 7: worth if you could go sell it right now, it's
Speaker 7: really what would it cost for a contractor to come
Speaker 7: in and rebuild this exactly? It's expensive, it is. I
Speaker 7: mean it's way more than you think it is. But
Speaker 7: to your point, when you have a lot of losses
Speaker 7: in one area, the natural cost is going to go up.
Speaker 4: It's just anywhere there's fires California.
Speaker 7: Here, California one is going to be a fortune.
Speaker 4: They can't even rebuild you. Yeah, which is a whole
Speaker 4: different topic, but it's kind of crazy. I mean, those people,
Speaker 4: they're going to run out of money because most insurance
Speaker 4: companies give you, what a year to move or a
Speaker 4: year to find another dwelling to stay in or rent
Speaker 4: or whatever you're going to do, they'll give you.
Speaker 7: Yeah, a lot of policies only have twelve months of
Speaker 7: loss of use.
Speaker 4: And they can't even start rebuilding. I mean, most people
Speaker 4: are going to have loss of use before they can
Speaker 4: even put the first dig, the first hole for the
Speaker 4: basement or whatever.
Speaker 7: And then they're paying rent wherever they're living, and they're
Speaker 7: still paying a mortgage that they had on the home
Speaker 7: that burned down, so they're having double you know, house
Speaker 7: payments in effect.
Speaker 4: That's why it's so important to make sure he had
Speaker 4: the coverage. But if you call that three ZHO three
Speaker 4: nine ninety six, nine thousand, and a lot of people
Speaker 4: are like, oh, I love all State, I love State Farm,
Speaker 4: I've had him forever. Well, maybe the coverage sucks, but
Speaker 4: you don't know it because you've never had a claim.
Speaker 4: And maybe you can save thirty forty fifty percent, right,
Speaker 4: I mean, I realize that sounds drastic, but we've had
Speaker 4: people that have called up that you have literally saved.
Speaker 4: I remember one was ridiculous. They had they were worth
Speaker 4: about three million dollars and they had insurance that was
Speaker 4: the minimal of everything.
Speaker 7: Yeah, it had twenty I remember this because it was
Speaker 7: it was a couple of shows ago, and they had
Speaker 7: twenty five thousand a bodily injury limit. So if they
Speaker 7: got into an accident it hurt somebody, they'd lose everything
Speaker 7: they had. Their insurance would pay twenty five thousand, and then.
Speaker 4: They would go after the house or the condos and
Speaker 4: everything else they have. I mean big time. I mean
Speaker 4: that's just how it works.
Speaker 7: If you ought to make sure you have liability insurance,
Speaker 7: we were just talking about that and break. It is
Speaker 7: so important to make sure that if you have any
Speaker 7: kind of assets, you need to have an umbrella policy
Speaker 7: over the top of your liability, just so that if
Speaker 7: you get sued, you have somebody to protect you.
Speaker 4: Love people, and I really mean this. I would love
Speaker 4: for you guys to call them up now and let's
Speaker 4: get some real things during the show. I've got some
Speaker 4: real numbers to show people how much they can save.
Speaker 4: These guys also shop for you every single year. In
Speaker 4: other words, if something drastically changes, like there's a lot
Speaker 4: of hailstorms, or maybe you have a young driver or
Speaker 4: something along those lines, or if really nothing happens, if
Speaker 4: they think you can get a better rate from a
Speaker 4: different company, they'll shop you and they'll let you know, Hey,
Speaker 4: we want to switch you over to this because it's
Speaker 4: going to save you X amount of dollars. But call
Speaker 4: now three oh three nine ninety six nine thousand, and
Speaker 4: that's the insurance help center and quote Compass dot com
Speaker 4: is your website. But Robert asked an interesting question about umbrellas.
Speaker 4: Umbrellas typically you have to have what two fifty five
Speaker 4: hundred on the auto just to just to buy the umbrella.
Speaker 7: Yep, you got to have a bodily injury limit for
Speaker 7: most carriers of two fifty five hundred, two hundred and
Speaker 7: fifty thousand per person five hundred thousand per accident to
Speaker 7: be eligible for an umbrella. Now, umbrellas in themselves that
Speaker 7: gives you an additional million of liability or more or
Speaker 7: more you're starting get a million. It's usually one, two, three,
Speaker 7: four or five and up.
Speaker 4: So therefore, for the personal injury part, if you really
Speaker 4: hurt someone big time and it's you know, it's a
Speaker 4: couple million dollars or whatever, someone dies something horrific, I
Speaker 4: mean you're talking, the initial coverage would pay out that
Speaker 4: five hundred, and then the umbrella would kick in and
Speaker 4: pay out an additional million or whatever the coverage is
Speaker 4: for exactly keep going. And so but when and what I.
Speaker 7: See a lot of times that people do is they
Speaker 7: will increase that bodily injury limit to two fifty five
Speaker 7: hundred on their auto policy, but they leave their uninsured
Speaker 7: motorist at twenty five to fifty or at a lower amount.
Speaker 7: So crazy that means you're covering yourself for less more
Speaker 7: covering of other people.
Speaker 4: Now, Jonath Hollis says that all the time. He thinks
Speaker 4: it's the craziest thing in the world.
Speaker 7: It is crazy because they won't let you have higher
Speaker 7: uninsured motorist limits than you do bodily injury limits. They
Speaker 7: won't insurance companies won't let you do that. But why
Speaker 7: would you purposely ensure yourself for less. Whenever you have
Speaker 7: raised that bodily injury limit, make sure your uninsured motors
Speaker 7: limit is just as high.
Speaker 4: We had a guy call in probably I don't know,
Speaker 4: a week ago, two weeks ago, actually, it's probably been
Speaker 4: a little longer time, just freaking flies. But he had
Speaker 4: twenty five thousand and he had a million dollar house
Speaker 4: paid off. The older guy, I think in his seventies,
Speaker 4: he might even been in his eighties. I mean he
Speaker 4: was there though. I mean he was intelligent and put together.
Speaker 4: But he ran into someone and they're coming after him,
Speaker 4: and we had attorneys on and everything. But the bottom
Speaker 4: line was he had twenty five thousand, minimal coverage and
Speaker 4: he had a million dollar asset, and the insurance company
Speaker 4: was like the one coming after him. I forget who
Speaker 4: it was. I forget the one coming after him. It
Speaker 4: might have been I forget who was coming after him.
Speaker 4: When I say the insurance company coming after him, his
Speaker 4: company was sending him letters saying the other the attorney
Speaker 4: on the other side wants this information. So they sent
Speaker 4: him basically a questionnaire asking about assets and the reason
Speaker 4: he called in he wouldn't know if he needed to
Speaker 4: sign it and fill it out. And that's when we
Speaker 4: got attorneys involved, and it was just bad news. It
Speaker 4: was just bad news. Whatever the damages are, I mean,
Speaker 4: he's probably well, no one died, so I'm sure it's
Speaker 4: going to be under a million bucks. But they're going
Speaker 4: to go after his assets.
Speaker 7: Oh, you don't need death. We have someone right now.
Speaker 7: We just had a claim maybe two weeks ago where
Speaker 7: one of our insurance was turning off of Dry Creek
Speaker 7: onto I don't remember one of those, Regionaiversey or something
Speaker 7: like that, and uh, as they're turning, a motorcycle came
Speaker 7: was speeding but came over the intersection, ran into their
Speaker 7: her car and on as she was turning, hit the
Speaker 7: side of her car, flipped over, hit the ground, did
Speaker 7: not die. But immediately we've already our insurance companies already
Speaker 7: paid out one point five million.
Speaker 4: Whose fault was it?
Speaker 7: They're blaming her because she didn't have a green arrow.
Speaker 7: It was a green light, but she went as she turned,
Speaker 7: but they're saying it was her fault, her fault. So, yeah,
Speaker 7: the the motorcycles had no insurance, didn't have a license,
Speaker 7: and and was speeding, but she still trust accident. Yeah,
Speaker 7: one point five paid out right away.
Speaker 4: That was the whole thing. That was her max. But
Speaker 4: the settled, so they had an umbrella and then the
Speaker 4: five that's right, but at least they settled. In other words,
Speaker 4: they can't come after her after this. They've they've gave
Speaker 4: those right, if you have twenty five thousand, the insurance
Speaker 4: company will pay out that twenty five and then go away,
Speaker 4: and then they don't even give you defense at that point. Ye,
Speaker 4: so you have to pay your own defense and then anything
Speaker 4: more you're out, which costs a fortune.
Speaker 7: Yeah, so if you can't, if you actually have to
Speaker 7: get an umbrella.
Speaker 4: That's what the attorneys were saying about the guy who
Speaker 4: was telling you. They're like, you have to hire an attorney.
Speaker 4: You need to defend yourself on this because whatever attorney.
Speaker 4: I think it was a woman that she hired. They're
Speaker 4: gonna come after you for extraordinary amounts of money. You're
Speaker 4: gonna have to prove that the damages aren't that high, right,
Speaker 4: I mean, it's evident they're going to be over twenty
Speaker 4: five thousand, But if they come after a million, you
Speaker 4: better have someone on your side to prove there is
Speaker 4: attack exactly exactly the other thing, let's.
Speaker 6: Get close to the mike doctor and again I'm I'm
Speaker 6: with John Fuller on this. Go out and spend one
Speaker 6: hundred and fifty bucks on a dashcam.
Speaker 4: It will save you thousands of maybe million. Well, if
Speaker 4: you're not at fault, it can help you protect your
Speaker 4: inn as soon.
Speaker 6: If you're not at fault, you'll have definitive proof that
Speaker 6: you're not at fault. And for one hundred and fifty bucks,
Speaker 6: it's incredible coverage.
Speaker 4: No, it is credible coverage. And most people just think
Speaker 4: it's a pain, but really, all you gotta do, worst scenario,
Speaker 4: plug it into your cigarette later and buy one that's
Speaker 4: got a battery so you can unplug it if you
Speaker 4: want to, and then you forget about it. Yeah, then
Speaker 4: you forget about a hold tight three oh three seven
Speaker 4: one three eight two five five. We'd love to hear
Speaker 4: from you right here on the Trebleshooter shop.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance Pain too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
Speaker 12: com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eighty two
Speaker 4: five five. Today's a great day to call in. It's
Speaker 4: been pretty slow the first hour, but I love giving
Speaker 4: the information out. I love educating people on insurance. With
Speaker 4: Brian Burns and the other person, we're going to be
Speaker 4: talking to Robert Bruce. He's been on our referral list
Speaker 4: for God since two thousand and eight, and we're going
Speaker 4: to be talking about his handyman's skills and what he
Speaker 4: can do for you over the summer. It's that time
Speaker 4: of year, man, where people want to get stuff done.
Speaker 4: But Brian reminded me during the break he pulled up
Speaker 4: our snapshot and I'll call it that from my daughter,
Speaker 4: myself and my wife. When we went with what is it, Safego? Yep, Safego.
Speaker 4: When we went with Safeco for ninety days, they tracked us. Yeah,
Speaker 4: you participated in a TELEVINTA was on a phone. It
Speaker 4: was a phone.
Speaker 7: Yeah, you downloaded an app each of the three drivers
Speaker 7: that were on the policy.
Speaker 4: And I just want everybody to know before he says this,
Speaker 4: the grin on his face I did not like at all.
Speaker 4: But here's what I'm here's the part I'm already gonna say.
Speaker 4: So everybody knows I have not had an accident in
Speaker 4: over fifteen years. I have not had a speeding ticket
Speaker 4: or any traffic infraction for over fifteen years. So that
Speaker 4: I have not pulled that's all that matters. I have
Speaker 4: a question for you, Yes, do your shoes get wet
Speaker 4: when you walk on water or shut up dock. I
Speaker 4: have not had a ticket in fifteen years. There was
Speaker 4: a time in my life I had a lot of tickets,
Speaker 4: but that was all past fifteen years ago.
Speaker 7: I'm going to take you on your word. I have
Speaker 7: not pulled that data in to verify mark on this
Speaker 7: one as far as this accident ticket history. But we'll
Speaker 7: just say, okay, that data, I know that data is right.
Speaker 4: We'll believe it go back fifteen years though, right, I
Speaker 4: can't fives? Well five, my god, yeah, I mean it
Speaker 4: might have been fourteen years, but I'm telling you I
Speaker 4: think it's been well over fifteen. But go ahead, Well, really,
Speaker 4: so how do they base this like by discount or
Speaker 4: by they charge more? How is it a rank like
Speaker 4: zero to one hundred? I mean, what are we looking at? Yeah,
Speaker 4: they fit.
Speaker 7: When it's finished, they come up with that permanent discount
Speaker 7: on your policy.
Speaker 4: Okay, So after the ninety days, Safeco looks at all
Speaker 4: the drivers yep, and then basically says, okay, for this driver,
Speaker 4: we're going to give a discount of X percent for
Speaker 4: pretty much. Ever unless if the driving record changes.
Speaker 7: Yeah, well, I mean that wouldn't even affected. It's it's
Speaker 7: just that part for the drive.
Speaker 4: Even if you were in an accident, you'd still receive that.
Speaker 7: Let's just get that. Now, you would get a surcharge
Speaker 7: for an accident, but you still get that discount. Right,
Speaker 7: let's start with Suzanne. What was her discount? All right, yeah,
Speaker 7: let's start at the top. I think probably that we
Speaker 7: should do it. So Suzanne is the winner, and she
Speaker 7: finished this program by ending with a ten percent discount,
Speaker 7: A ten discount she did.
Speaker 9: Yep.
Speaker 4: Now what else did she have on a record at
Speaker 4: the time?
Speaker 16: Was there?
Speaker 4: I don't.
Speaker 7: I don't have that information, nor would I share that.
Speaker 7: I don't think I would need to get the permission
Speaker 7: of that ensured to share that.
Speaker 4: Go ahead, you can tell them.
Speaker 7: Okay, So how do you want second place? Yes, that
Speaker 7: would be your daughter Adeline.
Speaker 4: Oh my god? What did she get? She got a
Speaker 4: seven percent discount? She got a seven percent discount, Suzanne
Speaker 4: got a ten Yeah, and I know Addie had a ticket.
Speaker 4: I know that for a fact. So I'm not understanding
Speaker 4: how this they.
Speaker 2: Are just.
Speaker 7: Yeah, and then in the bottom ranked at the bottom
Speaker 7: half the discount of what Suzanne had. I have is
Speaker 7: our friend mark at five percent discount.
Speaker 4: Yep. Do you do this snapshot thing?
Speaker 7: I have done it through Progressive not I wasn't insured
Speaker 7: with Progressive, but when it came out, they gave us
Speaker 7: one of those devices to plug in just to play
Speaker 7: around to see what it was like. Uh, it didn't
Speaker 7: derive my rate because I wasn't with them. It's because
Speaker 7: I'm in Are you with mister insurance one that doesn't
Speaker 7: offer telematics?
Speaker 2: Who is it?
Speaker 7: I am with a company called.
Speaker 4: Pure and they have no telematics. They do not have that.
Speaker 4: You think, I don't see that one of those super
Speaker 4: high risk ones for people they already know you're not
Speaker 4: going to drive already have that rate established, Yes, exactly,
Speaker 4: even turned down by the general If you're turned down
Speaker 4: by fred Layer, you're that would be absolutely crazy. Who
Speaker 4: is the highest risk insurance? Let's say someone that has well,
Speaker 4: I don't even know if it's possible, if someone has
Speaker 4: had two three d UIs, can you even get coverage?
Speaker 4: You can?
Speaker 7: And Progressive usually has a rate for people even with
Speaker 7: that bad of a driving record. There's a company called
Speaker 7: Bristol West.
Speaker 4: Uh, basically anybody.
Speaker 7: They'll ensure pretty much anybody. Yeah, you can find an
Speaker 7: insurance company to rate you.
Speaker 4: But you got to have a license.
Speaker 9: Uh.
Speaker 4: Yeah, you got to have a license.
Speaker 9: Uh.
Speaker 7: But even some of those carriers will allow a uh
Speaker 7: international license, you know, if you don't have an American license,
Speaker 7: they'll still do that.
Speaker 4: How does it work if someone's here without a driver's license,
Speaker 4: whether let's just say someone that's here legally, I mean,
Speaker 4: can they even get insurance?
Speaker 7: Well no, I mean, like I just said, with Progressive,
Speaker 7: I can put in that they have an international driver's
Speaker 7: license or a foreign driver's license.
Speaker 4: Do you have to have proof of it?
Speaker 7: They really don't even ask for anything, to be fair,
Speaker 7: that's not necessarily the clientele we're going after. We're we
Speaker 7: have more preferred business, is how our agency is set
Speaker 7: up with the carriers we have. But there are agents
Speaker 7: out there that that's what they specialize in. Is that
Speaker 7: higher risk, that's wild market, and so they have companies
Speaker 7: that I'm sure, which.
Speaker 4: Is the highest you've seen for an individual a rate?
Speaker 9: Yeah?
Speaker 4: Yeah, just well it's pretty hard because a lot of
Speaker 4: people have multiple people. But like, what's a crazy rate
Speaker 4: for someone? You got anybody spend at twenty thousand a
Speaker 4: year on auto? Oh? Yeah, for sure, easily.
Speaker 7: Yeah, but those are usually an account that has you know,
Speaker 7: a lot of young drivers, a lot of nice cars,
Speaker 7: and you do stuff.
Speaker 4: Does Compass do stuff for businesses? It might have a fleet?
Speaker 4: Oh yeah, yep, we do. I mean I know you
Speaker 4: do stuff like garage keepers and workmen's comp but like
Speaker 4: some that could come to you and say, you know,
Speaker 4: we've got three hundred vehicles.
Speaker 7: Oh yeah, we have a company we ensure that probably
Speaker 7: has over one hundred vehicles over several states.
Speaker 4: So yeah, I had a guy run into me in
Speaker 4: a wheelchair and I was in my company vehicle and
Speaker 4: I ended up being at fault. This was probably my god,
Speaker 4: seventeen years ago.
Speaker 7: I would say, better be over fifteen years after that.
Speaker 4: Yeah, So he literally ran into me in an electure
Speaker 4: chair and the guy had no legs. He was a
Speaker 4: Vietnam vet and he had no legs. And I was
Speaker 4: making a right and he, I guess, had the walking
Speaker 4: light and I had a green light, but he had
Speaker 4: the right way. I mean, he's in a wheelchair. No
Speaker 4: matter what, even though he hit me, it was still
Speaker 4: my fault. So he hits the side of the front
Speaker 4: of my car and basically ends up on my hood man.
Speaker 4: And it was so startling, and I hop out and
Speaker 4: basically I help him. I don't know what to do.
Speaker 4: I mean, I notice he has no legs. I'm afraid
Speaker 4: to move him. I mean literally, So the ambulance is
Speaker 4: there really quick. And my insurance company from my company
Speaker 4: ended up paying out a half a million dollars half
Speaker 4: a million dollars. And the reason they did it is, well,
Speaker 4: I was pretty upset with him. I thought it was
Speaker 4: crazy they were paying it out. But it's all up
Speaker 4: to them. I'll never forget to Gal telling me. She goes, yeah, Okay,
Speaker 4: here's a Vietnam vet with no legs that ends up
Speaker 4: on top of your car and we're going to defend
Speaker 4: that hol Yeah, because his family's saying he could no
Speaker 4: longer live by himself. Now he has to have care
Speaker 4: all the time because he's dramatically injured in other things.
Speaker 4: And maybe it was that way, you know what, maybe,
Speaker 4: and I try to look at it this way, maybe
Speaker 4: I improved his life honestly, or my insurance company. But
Speaker 4: the bottom line where I was going with this, Brian,
Speaker 4: is that never hit my driving record because it was
Speaker 4: a company policy commercial and I wasn'tn issued a ticket
Speaker 4: or anything like that. My insurance company just paid out.
Speaker 4: But is that how it works? Yeah, So like it's
Speaker 4: nowhere on my record period. When I go to get insurance,
Speaker 4: you'll never find that Mark Major created a half a
Speaker 4: million dollar accident.
Speaker 7: Yeah, And what you'll find is with commercial policies, when
Speaker 7: you're doing a personal line policy, you pull what's called
Speaker 7: a clue report. It's a fine accident, but that wouldn't
Speaker 7: be on but commercial policies, companies don't report to that
Speaker 7: clue report. So, in other words, that's not how they work.
Speaker 7: With commercial policies, you have to get a loss experience.
Speaker 7: So if you went to another commercial policy, you would
Speaker 7: get hit then because they would have this loss report
Speaker 7: that comes with it, even if it was a different company. Yeah,
Speaker 7: if you went to a new carrier, they would want
Speaker 7: this experience.
Speaker 4: Now I'm saying that that business was called Colorado Carca,
Speaker 4: Oh gotcha, and it was under there. I no longer
Speaker 4: it would be that it would have to be the
Speaker 4: same company exactly. It would have to be that eis right. Yep.
Speaker 4: That was crazy though. I was so happy because I
Speaker 4: thought when my renewal came from my personal stuff, oh man,
Speaker 4: I thought I was going to be out of it.
Speaker 4: But it doesn't report. I did learn, I did, well,
Speaker 4: here's the question for compass. But I did learn on
Speaker 4: that you really have no say if the insurance company
Speaker 4: wants to settle because I thought it was crazy to
Speaker 4: give this guy half a million bucks. And they were like,
Speaker 4: that's not your decision, nor is it your money.
Speaker 7: I'll tell you this. It even goes further than that.
Speaker 7: I had an instance where I was involved in a
Speaker 7: claim and I was feeling the same way. I said,
Speaker 7: how could you possibly pay this? This is not fair,
Speaker 7: it's not right, And they said, okay, we'll take it
Speaker 7: to court if you want, but anything over the amount
Speaker 7: we're willing to settle for right now, you're paying. And
Speaker 7: I was like, I have no incentive to do that.
Speaker 4: There's no god, no incentive at all.
Speaker 7: What to feel a little better, right, just to have
Speaker 7: this pride that I was right.
Speaker 4: That's all contractual and the policy. Sure, yep, all right,
Speaker 4: Hey Martha, what's your question for Compass?
Speaker 2: Then?
Speaker 4: Michael? You hold on? Hello, Hello Martha.
Speaker 17: I my husband had a stroke back in September and
Speaker 17: he isn't quite ready to drive yet. He's been really
Speaker 17: good about that and we're signing him up for the
Speaker 17: classes and getting evaluations done. Does that affect our insurance?
Speaker 9: Hey?
Speaker 4: Martha? Can I just ask you something? Sure? Is how's
Speaker 4: he doing? In other words, I know someone that had
Speaker 4: a stroke and about a year later he was almost perfect.
Speaker 4: But you would have never thought that the first month after.
Speaker 4: I mean it was kind of remarkable. So is he
Speaker 4: progressing pretty well? Is his is his outlook? Basically he'll
Speaker 4: be one hundred percent at.
Speaker 17: This point, has been seven months or so. He had
Speaker 17: a right green stroke and the cloud is still in
Speaker 17: there and it is affected is f side, so his
Speaker 17: left arm and left leg and part of his vision
Speaker 17: is still quite impaired. Well, he is still taking OTMPT.
Speaker 17: We're hoping, but you just don't know.
Speaker 4: Is that something that's a great question she has? Is
Speaker 4: that something she has to report? I mean if you
Speaker 4: were in her shoes, Brian, I mean, how do you
Speaker 4: even deal with this? If they don't say anything.
Speaker 7: We would know. We wouldn't know that, Martha.
Speaker 4: Because a hip hop, no one can get that information right.
Speaker 7: So it's I think what the deal with on that
Speaker 7: would be, Martha, is if the DMV has gaged him
Speaker 7: to be well enough to have a driver's license. That's
Speaker 7: all that it would require on our end. So there's
Speaker 7: not a separate question we would have associated to that.
Speaker 7: It would be more about my advice to you on
Speaker 7: that would be is to make sure you would want
Speaker 7: to make sure that he is healthy enough to drive,
Speaker 7: simply because if he did have an accident exact, all
Speaker 7: this stuff we're talking about here, you're the one that's
Speaker 7: getting sued.
Speaker 4: You guys are going to get sued for that loss.
Speaker 7: So it's in your best interest to make sure that
Speaker 7: he is healthy enough to drive. But it's not a
Speaker 7: question as far as being eligible for insurance.
Speaker 4: You know what's interesting if it's an act of god,
Speaker 4: meaning even if I have two million dollars in liability
Speaker 4: coverage and I'm driving down the road and I have
Speaker 4: a heart attack all of a sudden and basically end
Speaker 4: up driving off the road and hitting someone, it could
Speaker 4: be a horrible accident. There's times where my insurance company
Speaker 4: wouldn't even pay out because it was an act of God.
Speaker 7: No, that would still be a collision. That's not that
Speaker 7: would have nothing to do with it.
Speaker 4: Then, I'm telling you we have had calls like that
Speaker 4: where something has happened and an accidents caused and they
Speaker 4: don't pay out.
Speaker 7: Because they're like, it wasn't his fault. Okay, I differentiate that.
Speaker 7: What I would tell you is if they didn't pay
Speaker 7: out because they weren't forced to. But if that person
Speaker 7: was sued and they were responsible, insurance is paying no
Speaker 7: matter what the kicks.
Speaker 4: I see what you're saying. They would still have to
Speaker 4: defend you. They might try to have a defense to say,
Speaker 4: this is an act that he had a heart attack,
Speaker 4: This isn't a negligent, but they have to situation. They'd
Speaker 4: have to defend and if he was found liable, they
Speaker 4: have to pay. Yeah, that's right. But what I'm saying
Speaker 4: is there's times where they're not found liable because it
Speaker 4: wasn't actual. Okay, I'm with you there. I just thought
Speaker 4: you're saying the insurance company still has to defend you, right, Hey, Martha,
Speaker 4: thanks for that call. Three oh three seven one three
Speaker 4: eight two five five. But Brian, like almost like if
Speaker 4: lightning hit a car and because the lightning hit it
Speaker 4: and blew a tire out and you end up killing somebody, Yep, truly,
Speaker 4: that is an act of God, they would defend you, right,
Speaker 4: but they might not pay out because it's not the
Speaker 4: liability of that driver.
Speaker 7: Right, they were not at fault in this case, but yeah,
Speaker 7: but they Yeah, either way, I guess I just wanted
Speaker 7: to make sure people didn't feel like you're insurance this
Speaker 7: they're going to have to cover you if you're responsible
Speaker 7: if you did.
Speaker 4: Lose the case for whatever reason, they're paying and they're
Speaker 4: paying for the defense. Let me ask you this.
Speaker 14: Real quick though, Like with Martha's situation where she's renewing
Speaker 14: a policy in the near future, here, would you volunteer
Speaker 14: that information?
Speaker 7: No, I don't think she needs to because it's really.
Speaker 4: Not even a place where you could note it. Is there?
Speaker 4: I mean where, well, is there anything like in progressives
Speaker 4: portal for you guys that you put had a stroke?
Speaker 7: No, what would happen is if someone called me and
Speaker 7: this has happened before, where someone is no longer driving
Speaker 7: and they say, hey, you know what, my no, my
Speaker 7: husband had a stroke. He's no longer able to drive.
Speaker 7: Can you remove him? And what I would do is
Speaker 7: just exclude him from the policy. But you could do that,
Speaker 7: but it doesn't really benefit you from a rate standard.
Speaker 4: We better hope he doesn't drive someday.
Speaker 7: Better not drive, or and if he does, if he
Speaker 7: got his license back, that kind of thing, you could
Speaker 7: call me and I just put him back on the policy.
Speaker 7: But you know, exclusions help you whenever you have someone
Speaker 7: that has a bad driving history because they're taking off
Speaker 7: the teenager somewhere.
Speaker 4: But that's so risky it is, that's the key. Hold on, Michael,
Speaker 4: you're up next three oh three seven one three Talk
Speaker 4: three oh three seven one three eight two five five.
Speaker 4: Get your questions in about anything or if you need
Speaker 4: help going after a contractor advice. Maybe you want to
Speaker 4: talk to someone about a will or a trust. You
Speaker 4: name it. We've got a list experts to know it.
Speaker 4: But especially today, insurance.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 4: All right three o three seven one three eight two
Speaker 4: five five man. If you could hear the behind the
Speaker 4: scenes conversation. I learned that Brian, are insurance expert, loves
Speaker 4: horror movies, but he won't watch supernatural stuff because he
Speaker 4: believes in it. Now it's too close to home. I don't
Speaker 4: like the possession, I said, so I don't like you
Speaker 4: to use a Wigi board, and sure enough you're not
Speaker 4: a Oigi board. Though I would not be a wigi
Speaker 4: My wife was not even allowed to have that in
Speaker 4: the house. Growing up. Having a Wiji board was like,
Speaker 4: you know, praying to the devil. Her parents would like
Speaker 4: probably beat her if they found a Wigi board, which
Speaker 4: is insane, but that's kind of a that's kind of
Speaker 4: how some people are. Hey, Michael, and then Andrew, you'll
Speaker 4: be next. We got two lines open three oh three
Speaker 4: seven one three A two five five Michael, what's your
Speaker 4: question on insurance? By the way, during the break, we
Speaker 4: looked up and what was State Farm doing in California.
Speaker 7: He's got approval for thirty eight is a thirty eight percent?
Speaker 7: Thirty eight percent the great hike and.
Speaker 4: What happens to take to ask the commissioner in whatever
Speaker 4: state and they have to approve it? Right, My guess
Speaker 4: is that one of the highest you've ever heard of.
Speaker 7: That is about as high as I've heard.
Speaker 4: I've never heard of anything higher. So I bet because
Speaker 4: of the fires and all the damage in just California
Speaker 4: in general, insurance companies like State Farm were probably like, listen,
Speaker 4: if you don't give it to us, we're gonna have
Speaker 4: no choice but to leave.
Speaker 7: What they already did. They pulled out before the fire,
Speaker 7: they started non renewing, so I'm sure this is an
Speaker 7: incentive to try to get them back in the state again.
Speaker 4: Michael, what's your question?
Speaker 18: Hey, ither question? I was involved in an accident.
Speaker 19: You got to beat the sill and the rest of
Speaker 19: it is the Acpult insurance company and apparently the person
Speaker 19: that hit me has state minimum.
Speaker 4: Hey, Michael, get closer to your phone or take it
Speaker 4: off bluetooth if you can. If you're not driving, we can.
Speaker 4: You're coming in and out. Sorry me, go ahead, man,
Speaker 4: it's no big deal. I think he's saying the person
Speaker 4: that hit him had minimal right and the damages are
Speaker 4: going to far exceed I mean, I think dance where
Speaker 4: he's going. Yep. Yeah, how much do you think? And
Speaker 4: when you talk damages, are you talking injury or are
Speaker 4: you talking property?
Speaker 9: Vote?
Speaker 15: So what happened was, Gee, I got an estumate for
Speaker 15: the repair. The repair is going to be like minimum
Speaker 15: ten grand, and then the medical. So far it's been minimal,
Speaker 15: but I'm going to go back because I'm still having
Speaker 15: issues and then the cost of the car rental and
Speaker 15: all that, and the progressive agent that I spoke with said, no,
Speaker 15: go to your you've got full coverage, go.
Speaker 4: To your insurance.
Speaker 10: Yeah.
Speaker 4: So I just want to explain something for people listening,
Speaker 4: and Brian, I'm going to have you do it. When
Speaker 4: we talk about minimal, what is the state minimal twenty
Speaker 4: and it's the twenty five thousand for property and life bill. Okay, No,
Speaker 4: it's okay.
Speaker 7: So here's whenever you see an insurance policy, you're going
Speaker 7: to see it in there's gonna be three numbers there.
Speaker 7: It's gonna be twenty five fifty fifteen. That's the state minimum,
Speaker 7: and that you'res twenty five thousand per person injured up
Speaker 7: to fifty thousand per accident. And that third number is
Speaker 7: the property damage liability. Fifteen thousand is the minimum property
Speaker 7: damage liability.
Speaker 4: How absurd is that? I don't even think the cheapest
Speaker 4: car you can buy, and I'm talking new of course,
Speaker 4: right is fifteen. I mean, if you've got if you've
Speaker 4: got the minimal and you hit somebody in an eighty
Speaker 4: thousand dollars car, ye, holy moly. But you're so go ahead,
Speaker 4: and what you should do is exactly what advice the
Speaker 4: insurance company gave you. I mean, right, if you go
Speaker 4: after your own insurance.
Speaker 7: What I would do is I turn it in my
Speaker 7: own insurance. The only downside to that is that you're
Speaker 7: going to be responsible for your deduct yet. But you
Speaker 7: can tell well, the insurance company will go after them
Speaker 7: if they get if they subrogate and get money back,
Speaker 7: that money will go back to the first to you.
Speaker 7: I don't know if that is a state law, but
Speaker 7: most insurance companies do it that way. Some i've seen
Speaker 7: will only do the percentage of what they get back.
Speaker 7: In other words, if they're only made half hole, only
Speaker 7: half your deductible's going back.
Speaker 4: But so it's really in the policy language.
Speaker 7: Yeah, so most carriers, though, the first dollar back will
Speaker 7: go back to recover your deductible.
Speaker 4: Or or you could take that person to small claims
Speaker 4: course of course for that money, and you're going to
Speaker 4: end up getting paid. Yeah, if they have money. If
Speaker 4: I have anything, what is your question about it? Well,
Speaker 4: first of all we should ask do you have that coverage?
Speaker 10: Yes, I have the coverage.
Speaker 4: Okay, then what is your question?
Speaker 15: Well, I didn't know it going through my insurance.
Speaker 10: Because I have full coverage and I have enough.
Speaker 4: I'm going to tell you a secret that I learned
Speaker 4: from Brian years ago, and this is incredible. You're gonna
Speaker 4: love this. Everybody should know this. You cannot be penalized
Speaker 4: for this because you were not at fault, so they
Speaker 4: can't raise your rates at it. The only downside to it.
Speaker 4: The only downside is what Brian said is at deductible.
Speaker 4: But if you take that driver to small Claim Score,
Speaker 4: you're gonna get a judgment for that five hundred or
Speaker 4: one thousand or whatever it is. And the other thing
Speaker 4: is injuries. I want to say something, man, because you
Speaker 4: definitely had injuries and you said you're going back in
Speaker 4: for the life of me, Why you don't have an
Speaker 4: attorney blows me away. Why don't you? I'm just curious.
Speaker 12: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three O three seven
Speaker 12: having one help, You'll think you're his only customer when
Speaker 12: you choose Frank durand the real estate man dot com
Speaker 12: to list your home with Remax Alliance three oh three
Speaker 12: nine two zero sixteen twenty two.
Speaker 4: All right, three three seven one three eight two five five.
Speaker 4: We got two lines open. I am going to go
Speaker 4: to Andrew to get an idea real quick of what's
Speaker 4: going on so I can think about it over the break. Andrew,
Speaker 4: what is going on, sir?
Speaker 20: I have not too long ago, just barely purchased a
Speaker 20: twenty fifteen Kia Soul.
Speaker 4: What does that mean? Barely purchased? Do you mean like
Speaker 4: a week ago or something?
Speaker 20: Or what like about three four months ago?
Speaker 4: Got it keep going and.
Speaker 20: It worked perfectly, but then the check engine like kept
Speaker 20: on coming on. And then I took it back to
Speaker 20: the dealership that we purchased it from. They replaced what
Speaker 20: needed to be placed on it. But what irged me
Speaker 20: is after you know, we had kept it a little bit. Yeah, Uh,
Speaker 20: the check engine light went on again.
Speaker 4: Was it the same code this time or a different code?
Speaker 20: A different a different one?
Speaker 4: All right, hold on, I want to know who the
Speaker 4: dealer is and we'll talk about different things you can do.
Speaker 4: Uh three oh three seven one three two five five.
Speaker 4: We've got two lines open now remember insurance help center,
Speaker 4: call right now three oh three nine ninety six nine thousand.
Speaker 4: Let's see how much Brian Burns and Compass can save you.
Speaker 4: Three oh three nine ninety six nine thousand. We'll be
Speaker 4: right back.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three all three seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: all three nine two zero sixteen twenty two.
Speaker 1: Ripped off news so you don't have.
Speaker 2: Come run in as fast as we can.
Speaker 3: Show shooter's gonna help come man, This is.
Speaker 4: The Troubleshooter Show. No, Tom Martinez, Welcome, Welcome to the
Speaker 4: only show that it's goin. We're here to solve problems,
Speaker 4: answer questions, take complaints, if you've been ripped off, if
Speaker 4: you need some help, whether it's an attorney or a
Speaker 4: good contractor or Today we're talking a lot of insurance.
Speaker 4: Brian Burns is in with Compass Insurance and I love
Speaker 4: when he's in. Brian, have we gotten anybody through the
Speaker 4: help center yet that we've saved.
Speaker 7: I did just get an email from one of the uh,
Speaker 7: the producers that said they didn't give me a ton
Speaker 7: of information here, but it looks like someone called in
Speaker 7: and they had it. Doesn't tell me the name of
Speaker 7: the insurance company, but they had actual cash value on
Speaker 7: the roof. Kind of back what they had it they
Speaker 7: didn't know, so they sent the declaration page and we
Speaker 7: were able to show them that you in fact have
Speaker 7: actual cash value.
Speaker 4: This is where is That's where all those questions come.
Speaker 7: It was just over ten years. It was like eleven
Speaker 7: or twelve year old roofs.
Speaker 4: I mean they basically have no coverage on their roof.
Speaker 7: Yeah, I'm fifty percent plus they're deductible, so we were
Speaker 7: able to wor Torrato and home. We were able to
Speaker 7: change it to a replacement cost on the roof and
Speaker 7: save them three hundred bucks a month, so they have
Speaker 7: way better coverage better actually have coverage exactly and still
Speaker 7: saving over three grand years.
Speaker 4: So that's not a bad deal. So I love the
Speaker 4: Insurance Help Center. Listen, folks, if you're listening and have
Speaker 4: not done it, we do this every time Brian's in.
Speaker 4: You call up three oh three nine nine six, call
Speaker 4: them up, and they're going to tell you what information
Speaker 4: they need. It's not much at all. Most of it
Speaker 4: you can get in a matter of a few seconds
Speaker 4: right online. And then basically they're going to tell you
Speaker 4: how much they can save. If they can't save you
Speaker 4: any money, they're going to tell you. They're going to
Speaker 4: be so straight up with you. That's why we love them.
Speaker 4: They're honest people, but they shop thirty different companies. Plus
Speaker 4: they're going to give you an idea if if you're
Speaker 4: properly insured, that's more important. Let's go back to Andrew.
Speaker 4: So Andrew buys a twenty fifteen Kia Soul. Who'd you
Speaker 4: buy it from? Andrew?
Speaker 20: It was a Rappa Ho Hyundai in Denver.
Speaker 4: Yeah, I've done there. I've bought plenty of cars there.
Speaker 4: So you bought a used Kia Soul from them, and
Speaker 4: you bought it roughly two months ago? Is at about right?
Speaker 20: It's about more like about four months ago.
Speaker 4: Four that's fine. And the check engine light came on?
Speaker 4: How the first time it came on? How long after?
Speaker 20: It was like three days into meet purchasing the vehicle?
Speaker 4: And then you brought it back? And what did they do?
Speaker 20: They said that they needed to change the catalytic converter. Oh,
Speaker 20: and I was like, well, why don't you just put
Speaker 20: me into a different vehicle?
Speaker 4: Well, it doesn't matter, big deal. It's a catalytic or
Speaker 4: catalytic a catalytic converter. So did they do that? Though?
Speaker 20: They they didn't put me into another vehicle, They just
Speaker 20: fixed it.
Speaker 4: Yeah, right, No, what I'm saying is they didn't have
Speaker 4: to put you in another vehicle. In fact, I'm going
Speaker 4: to tell you another thing, they didn't really have to
Speaker 4: do anything. I mean, you bought it used, you should
Speaker 4: have had it checked out. But it was actually very
Speaker 4: nice of them to do that. Did it have any
Speaker 4: kind of warranty on it.
Speaker 20: No, No, Well, you know what I'm calling about is
Speaker 20: the fact that we didn't know that the Kia Soul
Speaker 20: two thousand and twelve to two thousand and nineteen where
Speaker 20: engines are on recall. And if I have known that,
Speaker 20: then you know I would have purchased a different vehicle.
Speaker 16: Other than that.
Speaker 20: Yeah, that's why I wanted to call you and ask
Speaker 20: for advice in how we can go about Well.
Speaker 4: Let's talk about let's let's talk about this recall. First,
Speaker 4: are you covered by it as the second third or
Speaker 4: whatever owner?
Speaker 20: Yes, I took it to Kia's Bradley Kia here in
Speaker 20: Puebla where I'm at, and what they say, that's how
Speaker 20: we found out. That's how we found out that the
Speaker 20: Kia was on recall. And he said that if you
Speaker 20: haven't gone over one hundred and fifty thousand miles and
Speaker 20: the engine goes out, that Kia will replace it with
Speaker 20: a brand new engine for free. And that's and that's
Speaker 20: that's fine.
Speaker 4: Wait, wait, Andrew is at the oil consumption issue? Yes, okay, now, look,
Speaker 4: it's either eating oil or it's not. But I think
Speaker 4: you're in a great shape. How many miles are on it?
Speaker 20: One hundred and twenty two thousand and.
Speaker 4: Five h four. Yeah, I think you're in great shape.
Speaker 4: I mean, you have a warranty on the entire engine,
Speaker 4: on a vehicle that shouldn't have a warranty on it.
Speaker 4: You kind of got lucky if there is oil consumption.
Speaker 4: But if there isn't, and it's very easy. I had
Speaker 4: a Hondi that had the same thing. The Santa Fe
Speaker 4: would drop about a half a court in a month,
Speaker 4: and I got a brand new engine when I had
Speaker 4: about ninety eight thousand miles on it.
Speaker 20: Man, well, they said that we have to wait until
Speaker 20: that engine goes and it starts knocking.
Speaker 4: Well, I don't know the rules on that particular one
Speaker 4: where it goes and knocking. But on most of the Hondis,
Speaker 4: and understand, Ki and Hondai are virtually the same, I
Speaker 4: mean really they are. But on most of them, the
Speaker 4: oil consumption. You bring it into the dealer, they check
Speaker 4: how much oil's in it, You drive it for X
Speaker 4: amount of miles, you bring it back and they recheck,
Speaker 4: and then that's what Kia wants to know. So if
Speaker 4: Spradley's telling you that basically the engine's got to start knocking,
Speaker 4: that's kind of strange. I have not heard that before,
Speaker 4: but it could be a little different on that.
Speaker 20: Yeah, that's exactly what they're saying that if an engine starts.
Speaker 19: Knocking, then we bring it back and then we.
Speaker 20: Have to wait on a waiting list for so, you know,
Speaker 20: with other people in order.
Speaker 18: To test it.
Speaker 20: They test it and they find out that engine is going,
Speaker 20: then they'll.
Speaker 4: Replace it for free.
Speaker 20: But basically it's just like I'm sitting on a ticking
Speaker 20: time bomb.
Speaker 4: Well, you can't look at it that way, man, And
Speaker 4: this is for everybody out there listening. We get your
Speaker 4: call all the time. The bottom line is you should
Speaker 4: have had it checked out. You should have had it
Speaker 4: checked out, either a mechanic go there and check it out,
Speaker 4: or drive it somewhere else, pull a car fax, maybe
Speaker 4: run the VEN number through an automotive shop that's doing
Speaker 4: the checkout. Then you would have heard about the recall
Speaker 4: or the service bulletin on that engine. Legally, and this
Speaker 4: isn't legal advice because I'm not an attorney, but from
Speaker 4: everything I have ever dealt with, the bottom line is
Speaker 4: you bought that as is. Did you happen to purchase
Speaker 4: an extended warranty on it?
Speaker 20: I did not Yeah, well you were right as is.
Speaker 4: Yeah, yeah, you bought it as is. But that's everybody.
Speaker 4: You're not the only one that makes this mistake. But
Speaker 4: unlike a lot of people, what's crazy about the call
Speaker 4: is your Actually, I don't find you in bad shape.
Speaker 4: I mean, you're going to get at least another twenty
Speaker 4: five thousand miles of warranty on the engine. They replaced
Speaker 4: the other thing that generally goes out on those vehicles
Speaker 4: around one hundred thousand miles, and that's the cat. That
Speaker 4: cat was probably twenty five hundred dollars they put into that,
Speaker 4: and they didn't charge you on it, right, No, they
Speaker 4: didn't even have to do that. The one thing I'm
Speaker 4: sure they would do is trade you out of it.
Speaker 4: I bet if you went back down there and said, hey,
Speaker 4: will you trade me out? But you might you might
Speaker 4: not end up in a better vehicle when you're done
Speaker 4: for that kind of money. How much was that thing?
Speaker 4: I mean it must have been, you know, fairly cheap
Speaker 4: as far as today's vehicles go.
Speaker 20: No, it was our loan we got finance was close
Speaker 20: to when said it done, It was like ten ten
Speaker 20: thousand and two.
Speaker 4: And how much did you put down five hundred, So
Speaker 4: it was like it was like a twelve thirteen thousand
Speaker 4: dollars car, right, and it's got a new cat. And
Speaker 4: think about this, you got a warranty on that engine.
Speaker 4: What I'm trying to drill through your head is you're
Speaker 4: not in a bad shape. I wouldn't look at it
Speaker 4: as a ticking time bomb. I would look at it as, man,
Speaker 4: I hope this engine does go out, then I got
Speaker 4: a brand new engine in here. And then if it
Speaker 4: doesn't go out by one hundred and fifty thousand miles,
Speaker 4: I think it was probably built pretty damn solid and
Speaker 4: taken care of over the years. The maintenance was probably
Speaker 4: done on it. So honestly, I think you're in good shape, man,
Speaker 4: But there's nothing you can do besides trade yourself out
Speaker 4: of it. Maybe call him up and say, hey, I
Speaker 4: don't like what's going on. I wish you guys told
Speaker 4: me about this engine. Would you at least give me
Speaker 4: twelve thousand on the trade? And if I come down
Speaker 4: and buy something else, I mean you can ask them.
Speaker 4: Maybe they'll come close to doing that. I understand, But
Speaker 4: that's it, man. Thank you very much. Yeah, Andrew, I
Speaker 4: appreciate the call, and really I want you to remember
Speaker 4: you're not in a bad position. Jeff, you're up next.
Speaker 4: We've got two lines open, three zero three Martino, three
Speaker 4: to zero three Martino. I talk to Jeff during the
Speaker 4: break a little. Brian. I think it's got something to
Speaker 4: do with his house, and I don't know if he
Speaker 4: said drugs, but we'll find out after this.
Speaker 12: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three, seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 4: All right three O three seven one three A two
Speaker 4: five five three oh three Martino. Robert Bruce with Integrity
Speaker 4: Electric Home Improvements is with his too, Brian Burns Compass Insurance.
Speaker 4: But what was interesting they were asking about the craziest
Speaker 4: calls over the year dragon on our YouTube channel plays
Speaker 4: this all the time. Go ahead and play it.
Speaker 18: Yeah, I can't go number two anymore.
Speaker 4: I can't go number two anymore. And that is Drew.
Speaker 4: Drew's been calling the show forever. He's a frequent caller,
Speaker 4: and he called up wanting to sue a pharmacist. I
Speaker 4: think it was the or Walgreens or somewhere. Apparently the
Speaker 4: pharmacists gave him the wrong medication and he could no
Speaker 4: longer go number two anymore. And we kept telling him, well,
Speaker 4: we don't know what the damages will be, because surely
Speaker 4: at some point you're gonna go either he's fixed or
Speaker 4: he's dead. Yeah, you're you're either gonna go number two
Speaker 4: or you're gonna die. And now if you die, maybe
Speaker 4: your heirs can go after the pharmacists. But we would think,
Speaker 4: what is it? A suppository would probably work. I mean,
Speaker 4: he needs a major enema, a major anima, like a hose, like.
Speaker 6: The kind of give you before a colonoscopy.
Speaker 4: All right, Jeff, Now explain what's going on on this
Speaker 4: homeowner's insurance.
Speaker 18: Yeah, you know, call him for a friend. I want
Speaker 18: to know if if a no good, complete loser, the
Speaker 18: size of smoke drug is a primary residence and gets
Speaker 18: you know, residue on things and eats professional cleanup.
Speaker 4: Hey, what kind of whoa?
Speaker 2: Whoa?
Speaker 4: Whoa? What kind of residue? Are we talking marijuana or math? Like,
Speaker 4: let's say, oh my god, that is a oh wait,
Speaker 4: I know what you're going to say, Brian. Most policies
Speaker 4: don't cover that.
Speaker 7: Yeah, not the chemical type of compounds. And they they
Speaker 7: have added in language to exclude damage for that kind
Speaker 7: of loss. So you usually I actually had a rental
Speaker 7: home it's called a dwelling fire policy that did cover
Speaker 7: it because it's just it was a very anniquated policy
Speaker 7: that had renewed over the years. But homeowner policies have
Speaker 7: have exclusions for that kind of loss.
Speaker 6: How about does he does he have rents insurance? Would
Speaker 6: that come into play?
Speaker 7: No, it wouldn't. Now liability wise, usually the only thing
Speaker 7: renter's policies liability will cover is fire fire damage that
Speaker 7: you caused.
Speaker 4: But give us what happened, Jeff.
Speaker 18: Primary primary residence. You know, like I said, somebody came
Speaker 18: in decided that they were you know, they had to
Speaker 18: do this and couldn't go outside and do it, and
Speaker 18: basically coated the walls with you know, bad stuff.
Speaker 7: God is so bad, man, it really is bad. You're
Speaker 7: not joking it. It really does do an incredible damage.
Speaker 4: You got to call a restoration company or he does.
Speaker 18: That's pretty bad because you know, once you do that,
Speaker 18: you get on a list and then the state knows
Speaker 18: about everything and it's not going to be cool.
Speaker 4: So for no, no, but be oh for a one
Speaker 4: time event, maybe not. But I mean, if they were
Speaker 4: cooking in there, I'm going to tell you how bad
Speaker 4: meth is on car insurance, okay, and they don't exclude
Speaker 4: it on this case. And you know this, Brian. You
Speaker 4: could have a brand new, fifty thousand dollars car, brand new,
Speaker 4: and it gets stolen and they start smoking meth in
Speaker 4: that car. That car, when it gets recovered, let's say
Speaker 4: the only damage is the fact they were smoking meth.
Speaker 4: A lot of times, they will total that vehicle because basically,
Speaker 4: it costs more to clean it if it's not impossible, basically, right, Yeah,
Speaker 4: all right, Jeff, appreciate the call, brother, thank you, thank you.
Speaker 4: That sucks. So I remember asking you that in the past.
Speaker 4: So when it comes to homeowners and most rental policies, yeah,
Speaker 4: they're screwed there. Yeah, and rental home policies sometimes will
Speaker 4: have it just because it's a tenant that's in there.
Speaker 4: It's in other words, it's not under your care custody
Speaker 4: control at the time. If it's your primary home and
Speaker 4: it's a visitor you're bringing in, or it's you yourself,
Speaker 4: of course they're not going to cover. Well, how about
Speaker 4: your primary residence and you're on a long trip and
Speaker 4: someone starts camping out or squatting rates in your.
Speaker 7: House and does this is it covered? No, because it's
Speaker 7: still the same language on the CAEL it's the chemical exclusion.
Speaker 4: Yeah, we hear about that in California. I mean it
Speaker 4: happens out here. We have a listener that's on YouTube
Speaker 4: all the time. This homeless guy basically moved into his
Speaker 4: garage and wouldn't leave, And Denver was like, They're like, well,
Speaker 4: you know, he's kind of he's now a resident of
Speaker 4: your garage. I mean, he had to go through a
Speaker 4: proper eviction. It was crazy. But I mean, so if
Speaker 4: I'm out of town and a bunch of homeless people
Speaker 4: break into our house and live there and start smoking meth,
Speaker 4: cooking meth, right.
Speaker 7: I don't have covering, not for that. Now, if they
Speaker 7: let's say they started to fire, they broke in and
Speaker 7: started firing.
Speaker 4: I know I'm talking just but Holy.
Speaker 7: If there's an exclusion on a policy, it doesn't really
Speaker 7: matter how it comes about. If that exclusion is what
Speaker 7: is the cause of loss, you're you're it's still valid.
Speaker 4: But if I have a rental, you have companies that
Speaker 4: I could get rental insurance that would cover me.
Speaker 7: There's some that have not updated their policies yet to
Speaker 7: tell an exclusion. You'll probably find that they do.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five, Ron, what is your question?
Speaker 19: Yes, I need I have a question about an accident,
Speaker 19: and I'm working with.
Speaker 9: You.
Speaker 4: Keep hitting buttons, Ryan Ran, Yeah, what happened? It's all right,
Speaker 4: you keep hitting bart called us you're good.
Speaker 2: Rin.
Speaker 4: How odd was that? I yeah, let's just uh. I'll
Speaker 4: put him on hold. I'd love to answer his question.
Speaker 4: And he's got an accident in a parking lot. I
Speaker 4: have no idea. But while Kelly's screening, these other calls
Speaker 4: coming up. Robert Bruce, owner of Integrity Electric Home Improvements.
Speaker 4: You're a handyman and you can go out. Make sure
Speaker 4: you have your mic on, get in front of them.
Speaker 4: And he's been on a referral list since O wait,
Speaker 4: complaint free. I don't remember one complaint ever. You can
Speaker 4: do electrical work, of course you can do. You might
Speaker 4: not do like a full basement, but you would go
Speaker 4: down and install maybe new fixtures, put a ceiling fan in,
Speaker 4: stuff like that. Oh yeah, and you know what's the
Speaker 4: biggest call you get as a handyman, like swap out
Speaker 4: a ceiling fan. Well, it used to be.
Speaker 14: Like I'd go put lights in for a kitchen on
Speaker 14: our kitchen remodel, got it, and it just came to
Speaker 14: the to the point where they would have to hire
Speaker 14: a drywall guy.
Speaker 4: So you do all that, So I do it all.
Speaker 4: I ended up just so you can do payark drywall work. Yeah,
Speaker 4: it's just one stop shopping and then you could do
Speaker 4: light fixtures, ceiling fans. How about car chargers? How about
Speaker 4: someone buys an electric car.
Speaker 14: Absolutely, that's a big one out there right now. That's
Speaker 14: Huges and electric cars.
Speaker 4: So you can put the breaker in for it, run
Speaker 4: it up, whether it's the thirty amp, fifty amp, whatever
Speaker 4: they want. Yeah, that is cool man. What other things
Speaker 4: do you get? Called for a handyman, of course, not landscaping. Well,
Speaker 4: like I know, when we first moved into this house,
Speaker 4: I hired a handyman and they came out and they
Speaker 4: swapped out all the light switches. I had all the
Speaker 4: not just the covers to the light switches, but we
Speaker 4: went from the old school to the paddle switches and dimmers.
Speaker 4: So I had someone do all that. That was a handyman.
Speaker 4: That same guy also adjusted all the cabinets. I had
Speaker 4: so old kitchen cabinets, bathroom cabinets. The house was twenty
Speaker 4: years old or ten fifteen years old when we bought it.
Speaker 4: He went through and adjusted all that. He swapped out
Speaker 4: the hardware on the cabinet's meaning the knobs. I mean,
Speaker 4: you do all that kind of stuff.
Speaker 2: You know.
Speaker 14: What I enjoy really doing is, you know, I'll get
Speaker 14: a customer to calls and says, hey, I'm losing power
Speaker 14: and five of my outlets in my bedroom and.
Speaker 4: Yeah, like a GFI problem.
Speaker 14: Yeah, Jeff, Well, I tell you a nice story.
Speaker 8: I'll tell you a nice little story.
Speaker 4: Here with where are you from? Where's that accent? Cleveland? Yeah? Okay, bingo?
Speaker 10: Yeah?
Speaker 4: And no Brown's go Brown's yep. And I like my
Speaker 4: broncos too.
Speaker 14: So uh So he had a newer house and these
Speaker 14: newer houses and now have these arc fault.
Speaker 4: Breakers put in them. Yep.
Speaker 14: So if there is a little tiny gap and you
Speaker 14: don't tighten that screw up quite a bit.
Speaker 4: Yep, it doesn't doesn't work. And it's not hard to say.
Speaker 14: So he went through and redid all his pla in
Speaker 14: similar to what you're calling decry switches and outlets in
Speaker 14: sure did a beautiful job. Hit the breakers, turned it on,
Speaker 14: they went dead to me, no power, no power.
Speaker 4: What did he do well, He.
Speaker 14: Just didn't tighten his screws up on his outlets and
Speaker 14: fixed it.
Speaker 4: Yeah, that's cool. So handy matter great. They're hard to find,
Speaker 4: and I'm glad you started doing that. I put you
Speaker 4: under the handyman category not long ago, because for a
Speaker 4: while you were only under electric because basically, like you said,
Speaker 4: that's all you did. So anybody out there, ceiling fans anything,
Speaker 4: you'll come out. Go ahead, Brian, I have a question
Speaker 4: for you, okay. So I have dimmers on our light
Speaker 4: switches in some of the rooms in our houses. It
Speaker 4: drives me crazy that whenever I use the demmer it
Speaker 4: pulses is what is the wait? Wait that we got
Speaker 4: to take this break? But I I know what he's
Speaker 4: talking about, and I want to hear the answer to
Speaker 4: that too, or one of mine. If I turned the
Speaker 4: dimmer all the way down, so what I did, I
Speaker 4: don't know if you did this. I took the old
Speaker 4: recess lights out and I put in led exactly. So
Speaker 4: I did that, but now just on some of them,
Speaker 4: actually only on three of them, four of them when
Speaker 4: I turn the dimmer all the way down. None of
Speaker 4: the other ones in the house do this, just this fixture,
Speaker 4: and they're all tied together. When I bring it all
Speaker 4: the way down at night when it's dark, there's a
Speaker 4: little light still, just a little tiny bit of light,
Speaker 4: and it drives me crazy. Hold on.
Speaker 12: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass insurance paying too much your coverage at dozens
Speaker 12: of insurance companies. Find out now three O three, seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 4: All right, three three seven one three eight two five five.
Speaker 4: I'll let you know when a line's open. We've got
Speaker 4: a lot cooking. Where did we leave off, guys, I'm
Speaker 4: gonna hop over to Ron's got a question.
Speaker 7: Well, you were going to finish the question that we
Speaker 7: had given Robert here about the dimming lights.
Speaker 4: Oh yeah, man, So when I turned down, I swapped out.
Speaker 4: I did not swap out the fixtures. So we have
Speaker 4: these recess lights on this ceiling that's like twenty feet high. Okay,
Speaker 4: in our family room and there's four lights that are
Speaker 4: recessed with bulbs like these basically, but I swapped those
Speaker 4: out when we moved in, including the entire house with LEDs. So,
Speaker 4: but that particular room, all four of those different can lights,
Speaker 4: all four of them, when I turned the lights all
Speaker 4: the way down. For the love of God, I have
Speaker 4: no idea why they're still on barely, just just barely.
Speaker 4: But all the other lights in the hallways with dimmers
Speaker 4: in the bedroom, all the other lights don't do it.
Speaker 4: Why would that happen.
Speaker 14: So if you take that plate off of that dimmer,
Speaker 14: you'll see there's a little dial on the dimmer on
Speaker 14: the back of it.
Speaker 8: Yeah, that's not exposed to well, these are.
Speaker 4: Like, okay, I want to make sure you get it.
Speaker 4: It's a paddle dimmer, So you hold it and basically
Speaker 4: it goes down, or you hold it and it goes up.
Speaker 14: And oftentimes there's a little When you take that all apart,
Speaker 14: there's a little dial in there that you can dial
Speaker 14: it down.
Speaker 4: So another word at that is not to go to zero.
Speaker 4: It's set to go to one for lack of.
Speaker 14: The bet mightn't be just because of the new dimmer
Speaker 14: switch that you put in.
Speaker 4: Yeah, which would be at the same time. Right, Oh
Speaker 4: my god.
Speaker 7: My problem's different. Mine is the lights. Whenever I use
Speaker 7: the dimmer, you try to bring it down a little
Speaker 7: bit and it like pulsations. But they're LEDs, right, they're
Speaker 7: all LED's same type of thing that got Trent.
Speaker 9: You know.
Speaker 14: A lot of times it's the lamp is not dimmable,
Speaker 14: so they'll sell you an LED light bulb that's not dimmable.
Speaker 4: So got to buy a dimmable light bulb.
Speaker 7: Now, So it it does dim, but it but you're
Speaker 7: saying just because it dims, but that pulsating is meaning
Speaker 7: that's probably not the right light.
Speaker 4: I actually I did exactly what you did. I was
Speaker 4: at Costco when we did those paddles way back when.
Speaker 4: In the first set of LEDs I bought would not dim.
Speaker 4: They were either like I don't remember him blinking, but
Speaker 4: this is fifteen ten years ago, but they would not work.
Speaker 4: And I went back and they literally said dimmable on them, right,
Speaker 4: and they work perfect except for the ones we just
Speaker 4: look and see.
Speaker 7: I obviously had a contractor that redid all of our lighting.
Speaker 7: But they put these in and they do dim. They
Speaker 7: do dim, but when you stop it where you want
Speaker 7: it to be. Yeah, there's just like this. This likes
Speaker 7: kind of almost like an old fluorescent. It's kind of
Speaker 7: weird crazy.
Speaker 4: So is it possible though, that the actual can itself
Speaker 4: can't handle dimming or no? No, it's it's just not
Speaker 4: a deal.
Speaker 14: Well, it depends if it's a saucer. Now, if it's
Speaker 14: a regular can you know you have an incandescent light
Speaker 14: bull been there LED or fluorescen if you had you know,
Speaker 14: like the fluorescence, they weren't No.
Speaker 4: That's not what he's talking about. You're talking to can light.
Speaker 7: Yeah, I mean it's one of those that you you
Speaker 7: it's recessed in. You screwed it in, but it's it's
Speaker 7: a transformer to change it into where you got saucer then.
Speaker 14: Yeah, okay, so you don't have a light bulb, you
Speaker 14: have a saucer.
Speaker 4: That's right. I have a saucer that it's probably not,
Speaker 4: probably not. It goes back to what you said. You
Speaker 4: got to find a dimmobile one.
Speaker 7: All right, I'll look at dimmer switch is bad too,
Speaker 7: or you could lights. All the lights do this. They're
Speaker 7: all the same sort of yeah, it's and they're all
Speaker 7: the same white.
Speaker 4: It's got to be the bulbs. Yeah, you know what
Speaker 4: you could do. Man, you don't have one in your hat?
Speaker 4: Do you have just a regular LED bulb in your
Speaker 4: house like in a lamp.
Speaker 2: Oh?
Speaker 4: Man, if you did, maybe in the bathroom up on
Speaker 4: the thing, you could put it in there. Put one
Speaker 4: in there and see if it actually dims if you
Speaker 4: have one, and if not, just hit Costco for whatever
Speaker 4: reason you got.
Speaker 14: Because you can interchange that between that driver. That box
Speaker 14: that's for the LED, that's called a driver, much like
Speaker 14: a ballast would be full fluorescent light.
Speaker 4: Costco, by the way, is the cheapest for light bulbs anywhere.
Speaker 4: We just bought new ones for all the bathrooms. You
Speaker 4: can have a little switch on the side that does
Speaker 4: four different things, four different what do they call them?
Speaker 14: Frequency, the color of the switch, whether it's warm or.
Speaker 4: Bright, exactly daylight whatever. So, uh, six pack of those Okay,
Speaker 4: I forget how many. Maybe they're forty one or like
Speaker 4: forty however they call it with the switches is like
Speaker 4: six bucks. There is no place cheaper to buy led
Speaker 4: lights in Costco, and I have no idea why they
Speaker 4: have the deal. Ron, what's your question for Compass? Then?
Speaker 4: Warren Emery and Charlie, you guys are next, Go ahead, Ron.
Speaker 19: Yes, this past Monday, I was ended in a Kings
Speaker 19: Soupers parking lot. The driver was at the others. I
Speaker 19: was at a fault and he said he was not
Speaker 19: going to call his insurance companies, who didn't mean to call.
Speaker 4: Mine, So he's saying it was your fault. You guys
Speaker 4: are at an impass.
Speaker 19: Oh he didn't say that because he said he was
Speaker 19: falling too close to me. But I think I must
Speaker 19: be a reason he doesn't want to to contact his
Speaker 19: insurance company. So I contact us. This insurance county is USAA. Yeah,
Speaker 19: so I talked to the agent there and they said
Speaker 19: he is not responding to them.
Speaker 9: Quist.
Speaker 4: Oh, that's a hold on. Hold on, this is you
Speaker 4: are in a quagmire, and this is very interesting. We've
Speaker 4: had this call quite a bit over the years, Brian.
Speaker 4: Good news, bad news. We know how to fix it,
Speaker 4: but it's a little complicated. Hold on.
Speaker 12: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 12: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up, free no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three A two
Speaker 4: five five. Ron's got a big issue, man. There is
Speaker 4: no doubt about it. Ron until the other driver contacts
Speaker 4: here and Ssurance company or answers the phone when they call.
Speaker 4: There's nothing that insurance company is going to do. Period,
Speaker 4: end of story. Brian kind of explain that quick.
Speaker 7: Yeah, this is not an abnormal thing, especially with parking
Speaker 7: lot accidents. Is that because there's no ticket involved. If
Speaker 7: you're trying to get money from their insurance company, they're
Speaker 7: always going to have to talk to their insured first.
Speaker 7: If they're insured, isn't going to talk to you. They're
Speaker 7: not going to make any kind of effort beyond that.
Speaker 7: So your only option is to either turn it into
Speaker 7: your own insurance yep, unless they'll subrogate, or you sue
Speaker 7: that person because that will wake them up, that will
Speaker 7: make them respond.
Speaker 4: If it's under seventy five hundred andan you know where
Speaker 4: they are. The easiest way to do it is small claims.
Speaker 4: I mean you can fill out to paperwork and trip
Speaker 4: lock it right on a website and then you go
Speaker 4: down to the county where the accident happened, or the
Speaker 4: county where that person lives if it's different, and basically
Speaker 4: get them served. And anybody can serve them except you.
Speaker 4: Your wife could serve them, for example, your neighbor, your friend,
Speaker 4: but not you or whoever's suing, and then they're going
Speaker 4: to be forced to call their insurance company and get
Speaker 4: the ball rolling. Or they're going to show up to
Speaker 4: small claims and you're going to prove your case and
Speaker 4: get a judgment. Then they're going to call their insurance company.
Speaker 7: But I'll tell you this, especially like I said in
Speaker 7: parking lots, the story will change. Oh they're going to say, well,
Speaker 7: I wasn't following too close.
Speaker 4: So well that made me nervous, by the way, Ron
Speaker 4: when you said that, because I have never heard in
Speaker 4: an accident on a public road where a police officer
Speaker 4: shows up where the following two close basically got off. Yeah.
Speaker 4: I mean you know, oh he rear ended you, right,
Speaker 4: I was at the.
Speaker 19: Stop signing trying to get out of the fucking lot,
Speaker 19: and he saw me. Well it's a street and just
Speaker 19: things fath and hit me, you know, right in the rear.
Speaker 7: Yeah, that's just that's a pretty easy one to show
Speaker 7: his fault in. Yeah, I think you're you're probably good there,
Speaker 7: But it's up to you whether you'd want to go
Speaker 7: through the whole suing him small claims court. Some people
Speaker 7: just say I'll just turn it into my own insurance.
Speaker 7: I'll let them deal with it, and then you'll have
Speaker 7: to pay your deductible. It will not count against you though.
Speaker 7: In other words, your rates will not go up due
Speaker 7: to that because it was not your fault.
Speaker 4: And the first dollar that they recover through subrogation will
Speaker 4: go to you towards that deductible. So eventually you'll get
Speaker 4: your money back.
Speaker 7: But if they get their money, if they are able
Speaker 7: to successfully sub regorse, yeah.
Speaker 4: And then here's the other thing though, this is just
Speaker 4: for other people around a lot of the parking lots
Speaker 4: where Brian was going, like I'm backing out of the
Speaker 4: space and someone's pulling in and we're both moving and
Speaker 4: hit each other. A lot of times that becomes a
Speaker 4: fifty to fifty deal. Absolutely, everybody goes through their own
Speaker 4: insurance company, even though all of us know it was
Speaker 4: one of their faults. Someone wasn't pay.
Speaker 7: I'll even say at the at the moment, oh that's
Speaker 7: my fault.
Speaker 4: I'm sorry.
Speaker 7: But you give people twenty four hours and I'm telling you,
Speaker 7: their story changes and all of a sudden they're like,
Speaker 7: you know what, maybe I wasn't going too fast there.
Speaker 4: You know, it just changes and we learned recently, this
Speaker 4: one guy called up, uh, the cop gave the other
Speaker 4: guy a ticket to cop wasn't there, but after doing
Speaker 4: the investigation, gave it to him. And then dash cam
Speaker 4: video was fascinating. Man. Dash cam video showed up from
Speaker 4: another driver, a third party that had nothing to do
Speaker 4: with the accident caught it. It took a long time
Speaker 4: for him to get it to whoever needed it. But
Speaker 4: what happened was was actually it was the other guy,
Speaker 4: and the dash cam proved it, and the dash cam
Speaker 4: proved it on and the one guy flipped over like
Speaker 4: three or four times, remember that time. Yeah, yeah. And
Speaker 4: the funny thing.
Speaker 6: Was he said this in the uh, the dashcam footage,
Speaker 6: and we couldn't figure.
Speaker 4: Out why it was. We couldn't find the accident. We
Speaker 4: didn't realize it was the third party dash showing it.
Speaker 4: We didn't even see the accident. But then you could
Speaker 4: see it up in the corner. Once you do it,
Speaker 4: it look that goes back to the dash caps.
Speaker 9: Yeah.
Speaker 4: Yeah, all right, fifty, we've got it. We've got a
Speaker 4: long show. We got another hour coming up. We have
Speaker 4: an issue with the warranty. We have another question for compass,
Speaker 4: issue with getting a title on the WRX and a
Speaker 4: problem with the carpet cleaner. Everybody hanged tight, one line open,
Speaker 4: three oh three Martino.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com.
Speaker 4: You don't pay a.
Speaker 13: Cent until you're contenth.
Speaker 12: Time for an insurance check up free, no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three, seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance. Three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 1: Ripped off News You need advice?
Speaker 2: Who you don't have? Come running just as fast as
Speaker 2: we can.
Speaker 3: Shooter's gonna help.
Speaker 4: Come man, this is the Troubleshooter Show.
Speaker 5: No Tom Martinez, Welcome, Welcome to the only show of
Speaker 5: it's kin.
Speaker 4: We're here to solve problems, answer questions, take complaints. We're
Speaker 4: here to make your life a little bit better. You've
Speaker 4: been ripped off or taken advantage of, we want to
Speaker 4: hear from you. Three oh three seven one three eight
Speaker 4: two five five that is the telephone number. I'm trying
Speaker 4: to think where we left off here, guys, I'm just
Speaker 4: gonna go to the person that's been holding the longest.
Speaker 4: That's Emery. By the way, this hour brought to you
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Speaker 4: I've got one of his systems at home. Paul the
Speaker 4: Waterman waterpros dot Net now Emory, what's going on? What's
Speaker 4: the problem with this warranty? Hey, Emory, what's going on?
Speaker 9: Man?
Speaker 21: How about like the god Ram pickup or Ram pickup
Speaker 21: good automation de litter and the agency's looks like twelve
Speaker 21: hundred miles and I had a warranty on it, and
Speaker 21: they keep coming back and saying because I had any
Speaker 21: monitors or read so I could batch my temperatures and
Speaker 21: stuff better. Yeah, and they keep onting That's what the
Speaker 21: cause is. And more of my question is can you
Speaker 21: help me or send me an arection the right lawyer
Speaker 21: to call so I can start legal.
Speaker 4: Yeah, I can do that. Let me ask you some questions, though, Emory.
Speaker 4: When did you buy the vehicle March for March third?
Speaker 4: So you just bought it a couple of months ago.
Speaker 4: Then when you bought it twelve hundred miles later the
Speaker 4: engine seized or went out right?
Speaker 2: Correct?
Speaker 4: What did you add to it? What? What kind of
Speaker 4: things did you add to it? What kind of modifications?
Speaker 21: A monitor call it's by a company called it's holly owned,
Speaker 21: but it's called Edge and it's a CPEES.
Speaker 4: How does it connect? How do you connect that.
Speaker 18: To the OLBB two?
Speaker 22: Oh?
Speaker 4: It just goes through it. Does it actually program it,
Speaker 4: does it like make it faster? Does it tune it?
Speaker 2: No?
Speaker 4: All it does is all it does is light up
Speaker 4: a monitoring screen so you can monitor everything. And you're
Speaker 4: saying because they're denying the coverage on the engine after
Speaker 4: twelve hundred miles, because they're saying you made a modification.
Speaker 4: And somewhere in that contract it probably says if you
Speaker 4: modify anything, they're not going to cover it. Is that
Speaker 4: what they're hanging their hat on. Yes, I think that
Speaker 4: is a bunch of crap. Hold on, I want to
Speaker 4: get Shared and Autotech up, Kelly. See if you can
Speaker 4: get uncle Kevin up. I've got a question for him,
Speaker 4: and then we do have an attorney for you. I
Speaker 4: just want to make sure that product you have does
Speaker 4: not tune or modify. Literally if all it does is
Speaker 4: gathered data from the ODB two and show it to
Speaker 4: you on a screen or on a phone or whatever
Speaker 4: it works. I have no idea how they could hang
Speaker 4: their hat on a modification. That's nothing. I mean, that
Speaker 4: would be so dumb, it's crazy, and it would have
Speaker 4: nothing to do with the engine. So I want Kevin
Speaker 4: On to let me know that that would be the fact.
Speaker 4: Now the next person that has been waiting is going
Speaker 4: to be Wyatt. Whyatt? What's going on with you?
Speaker 2: Man?
Speaker 16: Hey, good to talk to you guys. So I'm dealing
Speaker 16: with an issue. I bought a car from a dealership
Speaker 16: in December, first time ever financing a car in my life,
Speaker 16: so you know, I don't know what the heck I'm doing. Anyway,
Speaker 16: I still haven't received my title. I've already gone through
Speaker 16: two temp tags with the dealership.
Speaker 4: What are they saying? Why are they telling you they
Speaker 4: can't get the title? What's the hold up? According to them.
Speaker 16: They have not given me an explanation. They just tell me, oh,
Speaker 16: we can't see it on our end. We'll have someone
Speaker 16: give you a callback, and no one calls me back.
Speaker 4: So and then you have to go in and get
Speaker 4: another title. I mean typically it's four to six weeks.
Speaker 4: It's reason. Here's how it reads basically, and I'm going
Speaker 4: off memory here. It basically says they have a reasonable time,
Speaker 4: So we got to decide what's reasonable December to May fifteenth.
Speaker 4: When did you buy it in December? Has it been
Speaker 4: six months or just about December sixth? So it's more
Speaker 4: than six months. What I would say is you have
Speaker 4: waited a reasonable amount of time. So the question is
Speaker 4: if they can't deliver title, what are your options. Well,
Speaker 4: they have to undo the deal. They might charge you
Speaker 4: a little bit per mile, which they're allowed to do,
Speaker 4: but that's going to be insignificant. Do you like the car?
Speaker 4: Do you want the car? You just want the title.
Speaker 4: So really, let's pretend they're willing to undo the deal
Speaker 4: because they can't get the title, and they need to
Speaker 4: because if they can't get it, you can never register
Speaker 4: it and you can't have a tempt title or a
Speaker 4: temp plate forever. And usually if someone can't get a
Speaker 4: title means they shouldn't have the car. It's not like
Speaker 4: if if you physically lose the title, it's pretty easy
Speaker 4: to go to DMV as a dealer and get a
Speaker 4: new title on the vehicle if they lost it. But
Speaker 4: if they took it in on trade, for example, and
Speaker 4: found out after you bought it that it's actually titled
Speaker 4: out of Oklahoma and someone's name that never sold it
Speaker 4: and possibly it's stolen, there's never going to be an
Speaker 4: answer to this because they shouldn't have sold it. So
Speaker 4: do you want the car or do you want the title?
Speaker 16: Well, I want both.
Speaker 4: I just they're not trying. I guess what I'm asking is,
Speaker 4: you're not trying to get out of the deal, right. No, Okay,
Speaker 4: let's do this. I'm going to put Doc, you want
Speaker 4: this one?
Speaker 6: Yeah, I have one question for you, May if you
Speaker 6: finance it, doesn't the finance company hold the title until
Speaker 6: the loan is paid off.
Speaker 4: Yes, they'll hold it, but they haven't received it either.
Speaker 4: Because his registration paperwork's not a DMV. They can't even
Speaker 4: I'm assuming they can't even process the vehicle for you.
Speaker 9: Yeah.
Speaker 4: Yeah, so Doc, you're correct if he finances it. And
Speaker 4: I don't know if you know this, but in Colorado,
Speaker 4: the bank's gonna hold the title, right, But there is
Speaker 4: digital titles now, so they might have done it that way,
Speaker 4: but that part doesn't matter. The paperwork's not getting the DMV.
Speaker 4: The title work's not getting the DMV, meaning they can't
Speaker 4: deliver title.
Speaker 2: Doc.
Speaker 4: Okay, what we all you got to do is call
Speaker 4: up and shake them up a little and figure out
Speaker 4: why they can't deliver title in six months and tell
Speaker 4: them Colorado. In Colorado, they need to if they you know,
Speaker 4: I'm sure they know this, but remind them in Colorado
Speaker 4: it's in a reasonable amount of time. Consider it done. Yeah,
Speaker 4: during COVID you might argue six months is reasonable, but
Speaker 4: not right now, it's ridiculous. You can walk into any DMV.
Speaker 4: Something's going on with that vehicle. So here's what we're
Speaker 4: gonna do. Emery, I'm gonna put Deputy Doc on this
Speaker 4: and he is gonna get or I'm sorry, Wyatt, I'm
Speaker 4: gonna put Deputy Dock on this and he's going to
Speaker 4: get all your information. I'm going to put you on hold.
Speaker 4: Kelly's going to get it from you, and then Doc's
Speaker 4: going to reach out to you and then he's basically
Speaker 4: going to want to see the bill of sale, the
Speaker 4: financing whatever, just the basic paperwork with the VN on
Speaker 4: it and the dealer phone number and who you're dealing with,
Speaker 4: and we'll figure out what's going on, all right.
Speaker 6: I wonder if it's a one of eleven counties that
Speaker 6: we have trouble with. Where'd you where'd you buy the car?
Speaker 4: Yeah? Where is it?
Speaker 16: Colorado screens? It's called AutoNation USA.
Speaker 4: Yeah, AutoNation shouldn't be having There's something. There's something fishy
Speaker 4: about this man. I'll give you a call after the show. Yeah,
Speaker 4: hold on, bro hold on Wyatt. Make sure Kelly you
Speaker 4: get all the information on one. I got to take
Speaker 4: a quick break and then we'll be back. Three oh
Speaker 4: three seven one three eight two five five. Michael, you're
Speaker 4: up next.
Speaker 12: Then Charlie, go with a sure thing Denver's Best roofer
Speaker 12: Excel Roofing dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Leave time for an insurance check up free no obligation
Speaker 12: comparison call Compass Insurance paying too much your coverage at
Speaker 12: dozens of insurance companies find out now three all three
Speaker 12: seven to seven to one help. You'll think you're his
Speaker 12: only customer when you choose Frank durand the real estate
Speaker 12: Man dot com to list your home with Remax Alliance
Speaker 12: three oh three nine two zero sixteen twenty two.
Speaker 4: All right, three O three seven one three A two
Speaker 4: five five one line open three oh three Martino, you've
Speaker 4: been ripped off taking advantage of We want to hear
Speaker 4: from you. Now. I'm going to go to our expert,
Speaker 4: Kevin Coukin. Hey, Kevin, I've got a question for you. Man.
Speaker 4: Kevin's was shared in auto tech emery called in he
Speaker 4: bought a vehicle twenty twenty one Dodge ram uh used vehicle,
Speaker 4: of course, and he bought a warranty with it, and
Speaker 4: the engine went out twelve hundred miles later. I'm sure
Speaker 4: he bought it as is, but they sold it to
Speaker 4: him with the warranty. But really none of that means
Speaker 4: anything at this very second. He put in a monitoring system.
Speaker 4: So you've got one part that plugs into the ODB
Speaker 4: two ODB two and then what is the other part, Emory?
Speaker 4: Is it like a screen that's right there? Yes, And
Speaker 4: what is the system called?
Speaker 22: It's an ad ETS three.
Speaker 4: Have you heard of that, Kevin?
Speaker 10: I'm not that specific one though.
Speaker 4: Well. In what they're doing, the warranty company is denying
Speaker 4: the engine not based on previous conditions, which most likely
Speaker 4: is what it was if it was only twelve hundred miles,
Speaker 4: but maybe not. What they're denying it on is the
Speaker 4: modification clause, which seems absurd. And I asked Emory, I said,
Speaker 4: is it a tuner? Does it do anything besides to
Speaker 4: show you the information? And he says it does nothing
Speaker 4: but show the information. I mean, have you ever heard
Speaker 4: of that? How could they possibly hang their hat on
Speaker 4: that they can't. That's yeah, they're just throwing crap at
Speaker 4: the wall to see what'll stick.
Speaker 10: They need to show the modifications contributed to the failure.
Speaker 4: Yeah, Emory, you do need a modification.
Speaker 10: They can't go that way.
Speaker 9: No.
Speaker 4: Now, let me ask you this. If he did a
Speaker 4: tuner on there, they probably could, you know, if he
Speaker 4: souped it up, they could probably.
Speaker 9: Yeah.
Speaker 4: Have you seen denials for that?
Speaker 9: Yes?
Speaker 19: What's the most lifted cold airs?
Speaker 10: All kinds of stuff they can.
Speaker 4: Get on pickup trucks to snowplow in the front will
Speaker 4: kill it.
Speaker 10: Absolutely.
Speaker 4: Hey, let me ask you this, just out of curiosity
Speaker 4: than Emory. I'm going to tell you who to call.
Speaker 4: And you do need an attorney, Emory. But what's the
Speaker 4: most egregious reason you have seen a Sharitan auto tech?
Speaker 4: Someone turning down a warranty, a company turning down a warranty.
Speaker 10: It's usually a problem with the adjuster more than anything.
Speaker 4: Uh, just an attitude or what.
Speaker 10: Well, we had a rear disp go out in a
Speaker 10: customer's car, and the adjuster came and pulled the drain
Speaker 10: plug in the back to check for oil. Yeah, and
Speaker 10: snow oil ran out. He deemed it as abused because
Speaker 10: it was under filled.
Speaker 4: Well that's crazy. Did you end up getting it done?
Speaker 10: Well, it took. It was a battle, but but you
Speaker 10: know because he already pulled the plug out to check
Speaker 10: the fluid, so of course a little bit ran out. Yeah,
Speaker 10: now we had we had a big argument with the
Speaker 10: adjuster on that one.
Speaker 9: Yeah.
Speaker 4: So here's what Thanks Kevin. That's Kevin Couk and shared
Speaker 4: a Auto Tech. Great guy. In fact, you'll be in
Speaker 4: tomorrow with me three oh three, four five, five seventy
Speaker 4: two forty two. That Shardan Auto Tech or you can
Speaker 4: go to Shardan Auto tech dot com. Thank you, Kevin.
Speaker 4: Now here's the deal, Emory. Here's what I'm going to
Speaker 4: suggest big time. I'm going to give you what's her name,
Speaker 4: Kelly Raina? Am I saying it right? Who's our lawyer?
Speaker 4: Give him Raina's number. All she does is issues like this,
Speaker 4: if it's a car issue on a warranty. I mean,
Speaker 4: this is her bread and butter, and she's better than anybody.
Speaker 4: I think. A simple letter from her to the warranty
Speaker 4: company do you actually have the deny.
Speaker 22: That's in I've got email saying yes.
Speaker 4: Yeah, that's what. That's the denial letter. So that's the deal.
Speaker 4: You need to send that. You need to call her,
Speaker 4: send her the denial letter, send her some information and
Speaker 4: talk to her about it, and she'll do that for free.
Speaker 4: And the first step will be for her to write
Speaker 4: a nasty Graham as an attorney to this company going
Speaker 4: this is BS, you can't do it. And she does
Speaker 4: this all the time. As long as you're right that
Speaker 4: that wasn't some kind of tuning device, it didn't modify
Speaker 4: the horsepower anything. I think it's going to be a
Speaker 4: slam dunk once the attorney's involved. Now, if they're going
Speaker 4: to push it, and you got to ask Rayna about this,
Speaker 4: and she's going to end up suing them, and she'll
Speaker 4: let you know if you got a good case. I mean,
Speaker 4: that's what she does. If she thinks you have a
Speaker 4: good case and you go in and win and get
Speaker 4: it fixed, you'll probably get attorney's fees too.
Speaker 21: Yeah, well, yeah, I know that's what I'm okay, I'm saying.
Speaker 10: You know, the inspector came.
Speaker 4: Yeah there, listen, man, most of these warranty companies, that's
Speaker 4: what their whole is. They show up and they find
Speaker 4: a reason to deny it. What I'm hoping they don't
Speaker 4: do is they don't come back and go, well, yeah,
Speaker 4: you're right, this didn't modify anything, so therefore we can't
Speaker 4: deny it here. But we're going to say it's a
Speaker 4: pre existing condition. Now, if they do that, what we
Speaker 4: have to do is you need to call back in
Speaker 4: and we'll turn around and go after the dealer and
Speaker 4: basically say to the dealer, you sold this guy a warranty.
Speaker 4: The warranty is no good because it's preconditioned. He wouldn't
Speaker 4: have bought He wouldn't have bought his vehicle if it
Speaker 4: didn't have a warranty. So and that happens all the time.
Speaker 4: But hold on, I want you to call rain I
Speaker 4: got it.
Speaker 11: Brother, okay, And someone's gonna give me her phone number.
Speaker 4: I'm gonna put you on holden. Kelly's going to give
Speaker 4: you her office number. Call up, talk to her, leave
Speaker 4: a message, but tell her what's going on. She's a
Speaker 4: great attorney and that's basically all she does. Three oh
Speaker 4: three seven one three eight two five five. Charlie, what
Speaker 4: is going on with you?
Speaker 9: Hello?
Speaker 19: Hello, Charlie, Hey, Yeah, I just wanted to let you
Speaker 19: know you know, I listened to your show about the
Speaker 19: zero Red carpet cleaning for one hundred and nineteen dollars
Speaker 19: for three rooms.
Speaker 4: Oh yeah, three areas and nineteen bucks.
Speaker 19: Yep, right, and you know you with the carpet goes
Speaker 19: into the pad and all this stuff. Well, my we,
Speaker 19: my wife and I have a new puppy and uh,
Speaker 19: basically we've had some problems where it's had some accidents.
Speaker 19: So we said, well, let's go called zero reds. So
Speaker 19: my wife gets on the internet and goes through and
Speaker 19: sets them up for carpet cleaning. They come out and
Speaker 19: she had put in there that you know, we need
Speaker 19: the pet end zyme and all this stuff and get
Speaker 19: it all taken care of. Well, the guy came out,
Speaker 19: the technician, and next thing you know are three rooms
Speaker 19: now turned into four, which we had no problem with. Yeah,
Speaker 19: so they clean our They cleaned the carpets and everything,
Speaker 19: and she had talked about other things, other services wanting
Speaker 19: to have happen. Well, make a long story short, our
Speaker 19: carpet cleaning ended up being one twenty six dollars.
Speaker 4: Well, how did you wait, wait, wait a second, are
Speaker 4: you saying and this is a very important part here?
Speaker 4: Are you saying that they didn't tell you what the
Speaker 4: price was going to be before cleaning. They told you
Speaker 4: it was one hundred and nineteen, then it ends up
Speaker 4: to be a thousand. Is that what you're saying.
Speaker 19: No, they went through it and went through it with
Speaker 19: my wife and they well, you're gonna need to do this.
Speaker 10: So she knew to do that.
Speaker 4: Well, okay, I get it, you're saying they upsold you.
Speaker 4: I understand what you're saying.
Speaker 10: But they got sold that they told you.
Speaker 4: They told her the price.
Speaker 19: Fine, right, and so it's fine.
Speaker 10: She agreed to that.
Speaker 4: So then.
Speaker 19: She said, okay, let's go ahead and do it because
Speaker 19: we need to get rid of this smell. Sure, so
Speaker 19: she all this done and then I come home and
Speaker 19: the smell is not even close to being done. And
Speaker 19: so then I'm going wait a minute here, I said,
Speaker 19: what did they do? And she said, well, they brought
Speaker 19: in a wand and all this and they cleaned it.
Speaker 4: Yeah, when there's pets there, I mean, we've got pets.
Speaker 4: I know exactly where you're talking about. They have you know,
Speaker 4: special stuff that you know goes in and breaks down
Speaker 4: and dissolves the urine or eats the urine or whatever.
Speaker 19: It does exactly. And so I said, well, geez, I'm
Speaker 19: not happy with this, you know, because when I looked
Speaker 19: at their website, they says they use brushes, and they
Speaker 19: used the wand and all this stuff.
Speaker 4: And I'm going to.
Speaker 19: Hello, well the company, I said, hey, are you there?
Speaker 4: Yeah, I hear you. I lost you for a half sec.
Speaker 9: Okay.
Speaker 19: So anyway, I called the company and I said, hey,
Speaker 19: I'm really not happy with this. So they said, no problem,
Speaker 19: we'll come out because we have a guarantee.
Speaker 9: Yep.
Speaker 19: I said great. So then they came out and the
Speaker 19: technician came out and we have a meeting. I came
Speaker 19: home and I stayed there to talk to him. Well,
Speaker 19: he says, well, you know, all we're going to do
Speaker 19: is redo your carpet. And all we're doing is putting
Speaker 19: a band aid on it. It's still going to smell.
Speaker 19: I said, you're kidding me, right, and he goes, you'urine went.
Speaker 4: Down into the wood. I mean, really, what are they
Speaker 4: saying because they've done spots for us and I've never
Speaker 4: smelled anything.
Speaker 19: It's a concrete floor, okay underneath it, So what are
Speaker 19: though they're saying that they're going to need to use
Speaker 19: this blaster thing to go into the path. And I'm
Speaker 19: going waiting out here. You guys said you're going to
Speaker 19: go into the path, Well, then you're going to use
Speaker 19: this blaster at sixty five dollars or whatever a square
Speaker 19: foot and I'm going, wait a minute here, And he says, well,
Speaker 19: your wife knows about this. I talked to your wife.
Speaker 19: And he's sitting there throwing my wife under the bus.
Speaker 4: Well, hold hold on, Charlie, Wait a minute, Charlie, Charlie,
Speaker 4: hold on. I understand you're upset, and I have direct
Speaker 4: connections to call over there. So a couple of real questions.
Speaker 4: One that is a very important part of it is
Speaker 4: what they're saying. If he's saying, hey, I told your
Speaker 4: wife feels going to be a thousand bucks. And I
Speaker 4: also told her that if this doesn't work, we have
Speaker 4: to go to that next step. I mean, I don't
Speaker 4: know how much of a problem I have with that.
Speaker 4: I understand the up selling they do. They do if
Speaker 4: you have pets or if you have certain stains, it
Speaker 4: does cost more. There's only if you want though you don't.
Speaker 4: It's not like they tell you you have to do it.
Speaker 4: I get all that But what I want to know
Speaker 4: is did he tell your wife that you might have
Speaker 4: to do this blaster, which to me would be insane. Anyhow,
Speaker 4: I think you could replace carpet cheaper. But then see,
Speaker 4: I don't believe sixty five dollars a square foot. But anyhow,
Speaker 4: what did he tell her.
Speaker 19: That that's what? And he apparently used this blaster in
Speaker 19: an area that was the highlighted area.
Speaker 22: Well, it's still smells.
Speaker 4: So was he a could he come back in and
Speaker 4: redo it? Was he willing to come in and reblast it?
Speaker 19: No, he said he'd come back in, but he would
Speaker 19: have to recharge.
Speaker 4: Up for the same area with the blaster.
Speaker 19: Yeah, and so I called this doesn't Hold on?
Speaker 4: Listen, man, you don't have to tell me any well,
Speaker 4: hold on how long ago? Watch he's going to tell
Speaker 4: me nineteen ninety eight? When did this happen?
Speaker 19: It happened last Friday?
Speaker 4: Oh? Perfect? Hold on, Hey, Kelly, I want all this
Speaker 4: guy's information, and I want you to send it to Suzanne.
Speaker 4: Actually send it to me because I know what the
Speaker 4: story is. And I'm going to send it over to Shane.
Speaker 4: He's the owner of zero res. Okay, and let's figure
Speaker 4: out what's going on with that, because they do have
Speaker 4: a guarantee if everything he say is correct. This is
Speaker 4: the first you know, ironically, and Charlie, you can believe
Speaker 4: me or not. This is the first issue I have
Speaker 4: had a call on with your and listen seven years.
Speaker 19: Well, another caveat to that is I was irritated, so
Speaker 19: I went and rented a cleaner from Home Depot and
Speaker 19: my wife and I spent last Friday and Saturday cleaning
Speaker 19: with Home Depot cleaner. Yeah, and we were literally dumping
Speaker 19: the bucket and it was dirt, it was black. I mean,
Speaker 19: we've spent.
Speaker 4: How bad is this carpet? How like literally how old
Speaker 4: is this carpet? Nineteen eighty seven.
Speaker 19: We built the house, we moved into the house brand
Speaker 19: new in twenty twenty, in twenty twenty May of twenty twenty.
Speaker 4: How did it get that dirty?
Speaker 9: No, it's not.
Speaker 19: And we only put this carpet. And I want to.
Speaker 4: Say two years away a minute. You're saying they came
Speaker 4: in and put dirt into your carpet.
Speaker 19: No, no, no, no, no, I have I have grandkids
Speaker 19: and everything in it. Okay, I can imagine.
Speaker 4: I don't understand. Here's here's my only problem with Zero
Speaker 4: Res right now, they have a guarantee if they did
Speaker 4: something and they charged you whatever that sixty five bucks,
Speaker 4: which I've never heard of for a square foot but
Speaker 4: whatever it is, even if you're wrong on the price,
Speaker 4: I don't understand why they wouldn't do it again. I
Speaker 4: just don't understand unless if they warned your wife that
Speaker 4: this could happen. Did they warn your wife about it?
Speaker 19: Well, that's what I'm saying. She's like sitting there, dumbfounded.
Speaker 19: She doesn't know what he was saying. She's sitting there
Speaker 19: and he's sitting there wanting to basically, as I said,
Speaker 19: he's throwing her under the butt, like, well, your wife's
Speaker 19: signed on about it while I did this.
Speaker 4: Okay, let me I want to get I want to
Speaker 4: I'm want to reach out to Zero Res and see
Speaker 4: what's going on. Simple is that, you know. I want
Speaker 4: to tell everybody something. This show rocks. And let me
Speaker 4: tell you why. He's a sponsor, Shane and Zero Res
Speaker 4: and they've been a sponsor for a long time. They
Speaker 4: cleaned my house, they cleaned Tom's house. I've never had
Speaker 4: a problem with them. And I pay whatever full price is.
Speaker 4: And here's how the process goes with zs. They show up,
Speaker 4: you call them on a special it's one hundred nineteen bucks.
Speaker 4: If you're in an apartment or whatever or whatever you're
Speaker 4: trying to clean. If it's three rooms, it's going to
Speaker 4: be one hundred and nineteen bucks. If you have a pet,
Speaker 4: they'll talk to you about different things to do. Some pets,
Speaker 4: some cats pee everywhere, so you might want to do
Speaker 4: the whole house and whatever odor controller oder eating thing
Speaker 4: they have. They have enzymes that they can spray that
Speaker 4: literally go after the feceson urine or whatever. If you
Speaker 4: don't have that problem, they have other products they'll talk
Speaker 4: to you about, depending on if you need them or not.
Speaker 4: You might have a wine stain that's been there for
Speaker 4: ten years and there might be a way to get
Speaker 4: it out, but they're going to have to use a
Speaker 4: certain piece of equipment. But they go over every single
Speaker 4: thing with you. They don't tell you, no, we're not
Speaker 4: going to do it for a hundred nineteen bucks. That's
Speaker 4: a real deal. And the free halway right now is
Speaker 4: a real deal. Hold on doc. They come out and
Speaker 4: they go over everything. Every single time we have had
Speaker 4: them out, they literally go over, okay, where do your
Speaker 4: dogs usually go where do they sleep? And we'll point
Speaker 4: to that room and we'll pay extra for that one room,
Speaker 4: and the other rooms will do normal and we're always
Speaker 4: happy with it. Doc, real quick, did what did what?
Speaker 4: You and your wife did? Take care of the odor
Speaker 4: and stain? Yeah that's no, they said, yeah, uh well,
Speaker 4: she's on the phone with them. We'll find out. I'm
Speaker 4: going to get involved on this one personally. Call Titan.
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Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
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Speaker 12: three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven on three eight two
Speaker 4: five five. You know, if you got a problem with
Speaker 4: one of our referral list members, you can call us.
Speaker 4: You just heard that. You know what's interesting, Try calling
Speaker 4: the people across the hallway. Try calling the sports guys
Speaker 4: they do live commercials like we do, call up during
Speaker 4: their show and say, hey, you were just talking about
Speaker 4: so and so, and I got a problem with them.
Speaker 4: You'll never hear it. You'll never hear it. That's what
Speaker 4: makes us different, Brian. I've had complaints on you, and
Speaker 4: I sent them over to you, and then you give
Speaker 4: me your side of the story and we go from there.
Speaker 4: I don't I don't think I've ever had a com I've.
Speaker 6: Never heard a complaint on Compass. I will, I will second,
Speaker 6: I forget what complain.
Speaker 4: No, there's been something. There was one, though, I'm trying
Speaker 4: to even think what one would be. They just think
Speaker 4: your price is high. And the only reason they it's
Speaker 4: not like you price it. You're getting them prices if
Speaker 4: they have a DUI. I mean, Progressive is going to
Speaker 4: quote them whatever. It's not like you mark it up.
Speaker 7: We've gotten it where they're you know, they hear us
Speaker 7: on here and they say we called them and they
Speaker 7: didn't save us money. Well that's exact why. But we
Speaker 7: told you we couldn't. We told you to stay where
Speaker 7: you're at. So we just yeah, by no, means you
Speaker 7: would anybody in a good deal. Ever, in Ture, we
Speaker 7: don't get paid that much for policies. I just want
Speaker 7: everybody to know that we are not in it to
Speaker 7: try to, you know, convince people to go with us.
Speaker 7: If it's not their best option, we'll tell you to
Speaker 7: stay put. But sometimes people get frustrated when we can't
Speaker 7: find a better deal. But you know that's our point
Speaker 7: is we try to be honest with you.
Speaker 4: Yeah, well you have to be and I mean that's
Speaker 4: just it. Now, Michael, what's going on with you?
Speaker 22: Well, Hey, I've got a friend who was married. He
Speaker 22: and his wife owned their home as tenants in common,
Speaker 22: and she passed away and her daughter inherited her half
Speaker 22: and is not cooperating that he wants to just sell it.
Speaker 22: He doesn't even live in the house anymore because he
Speaker 22: couldn't stay there for very long after his wife died.
Speaker 22: He just couldn't stand it. But I've done a little
Speaker 22: bit of research and I see there in Colorado there
Speaker 22: is an action called a partition action that if they
Speaker 22: can't agree on something that they have to sell it.
Speaker 22: I'm just wondering if any of you guys in there
Speaker 22: know anything about that.
Speaker 4: Or if well, I do, but I'm curious. Why was
Speaker 4: it tenants in common?
Speaker 22: He doesn't know, and all, from my reading, if you
Speaker 22: don't specify when you purchase a property as a married couple,
Speaker 22: it defaults at tenants in common instead of joint tenancy.
Speaker 4: That's my understanding too in Colorado. That's true. But wait
Speaker 4: a second. So now then, why are you saying, Wait
Speaker 4: a minute, I get these two damn things confused. Do
Speaker 4: they each own fifty percent of the house separately? Yes,
Speaker 4: let's get on. Let's get on, Brad O'Brien. I swear
Speaker 4: to god, I'm going to tell everybody something embarrassing. Tom
Speaker 4: screwed up one time fifteen years ago using these two phrases. Okay,
Speaker 4: and we both realized he was wrong. Okay. Ever since
Speaker 4: then I couldnot fix that in my head.
Speaker 7: It isn't joint Tennessee means if one person dies, the
Speaker 7: other person gets it all, whereas comments, it doesn't work
Speaker 7: that way. I get how they work.
Speaker 4: I get to two different So he's saying that both
Speaker 4: of them owned individual pieces of that house.
Speaker 7: That's what Tennessee and comment is, I.
Speaker 4: Would have married couple in a million years. Do that
Speaker 4: is what I'm not understanding.
Speaker 7: But if you don't specify, it automatically goes that way.
Speaker 7: That's what he's saying. So I've never heard that that. Okay,
Speaker 7: let let's get Brad on. Hold on, let me take
Speaker 7: this break. Hopefully we can squeeze him in hold on.
Speaker 15: Man.
Speaker 4: If we can't get it, we'll get him on tomorrow.
Speaker 4: This guy's gonna have all the answers. I still want
Speaker 4: to understand it. Better hold tight, all right? Three on
Speaker 4: three seven three A two five five. I'm gonna go
Speaker 4: directly to Brad O'Brien. Brad, I've got a question for you.
Speaker 4: When Susanne and I bought our house, well, actually that's
Speaker 4: not a good example because it's in her name. But
Speaker 4: when a couple goes to buy a house and they
Speaker 4: go through a lender and they're they're they're both purchasing
Speaker 4: the house a married couple, is it stated that it's
Speaker 4: tenants in common or joint tenancy or if it's not stated,
Speaker 4: what is it to fault to in Colorado?
Speaker 23: If it's not standard that it's going to be tenancy
Speaker 23: in common, you actually have to stay joint tenancy or
Speaker 23: joint tennancy with writer survivorship in order to have the
Speaker 23: joint tenancy.
Speaker 4: So in this case, let me bring let me bring
Speaker 4: up our guy and where is he, Michael? So, Michael
Speaker 4: who passed away?
Speaker 16: The Why?
Speaker 4: So the wife passes away and her portion of the
Speaker 4: house is going to the daughter, the other person that
Speaker 4: owns the other fifty percent. Brad wants to sell it,
Speaker 4: but the daughter doesn't want to sell it. Is that right, Mike?
Speaker 22: Well, she has a drug problem and she's just stonewalling
Speaker 22: him and ghosting him.
Speaker 4: But she doesn't live there, right, yes, correct, So Brad,
Speaker 4: what kind of action and how do you force an
Speaker 4: action at this point? Or or there's nothing you can do?
Speaker 23: Well, first, I have to look at the deed from
Speaker 23: when they purchased it to see if it was joint
Speaker 23: tenancy or tendancy in common. He's saying, there's doesn't state
Speaker 23: either way.
Speaker 22: It is tenants in common.
Speaker 23: Okay, And that's point. One of the owners wants to
Speaker 23: sell them. The other one does not.
Speaker 9: Want to sell.
Speaker 4: Well, the other one doesn't know what they want to do.
Speaker 4: Apparently they're a drug addict. They don't live there, but
Speaker 4: they own fifty percent of it, and the guy wants
Speaker 4: to sell it.
Speaker 22: Okay, and she has said previously that she would sign
Speaker 22: it over to him, but she is now ghosting him.
Speaker 4: Okay.
Speaker 23: Well, I mean ultimately, any co owner has the right
Speaker 23: to get a judicial partition, go to court and get
Speaker 23: the property partitioned and sold and uh and then you
Speaker 23: split the proceeds. But the other co owner normally has
Speaker 23: an opportunity to buy out the one who wants to sell.
Speaker 4: Yeah, I mean you but if she what she literally disappears,
Speaker 4: that's when you have to go to court.
Speaker 23: Yes, you can't lose title your house through abandonment.
Speaker 4: Yeah, yeah, no, that's what I'm saying. Then you've got
Speaker 4: to go to court and basically you're going to motion
Speaker 4: the judge to be able to sell the house and
Speaker 4: split the proceeds.
Speaker 23: Yeah. If you can't find them ultimately, if you can't
Speaker 23: serve them with the papers, you can serve them through
Speaker 23: alternative means, like through the mail or through publication in
Speaker 23: the newspaper.
Speaker 4: Michael, what I do is have this guy call up
Speaker 4: Brad and he can help them through this process. But
Speaker 4: I mean, really, you've got to get an attorney involved.
Speaker 4: If you really can't get a hold of her, like
Speaker 4: you said, you can put notices and newspapers and do
Speaker 4: certain things, and you basically go to the court and
Speaker 4: show them prove that basically you tried to get in
Speaker 4: touch with them, and then you'll have the ability to
Speaker 4: sell it and then split the proceeds.
Speaker 22: She is serviable, that's for sure. But he's broke, doesn't
Speaker 22: have the money to hire an attorney.
Speaker 4: And well then they're stuck.
Speaker 22: That's yeah, that's right.
Speaker 4: Yeah, I mean they're stuck, Brad, how come most are
Speaker 4: not like that with the married couple. This really has
Speaker 4: nothing to do with Michael. Michael. I'll give his number
Speaker 4: out though if you want to ask many other questions
Speaker 4: off arab, but Brad, real quick, like, when most married
Speaker 4: couples buy a house and they go through a mortgage,
Speaker 4: isn't it right the survivorship right to survivorship.
Speaker 23: Even if a married couple buys a house, it still
Speaker 23: has to stay joint tenancy in the deed from when
Speaker 23: they purchased it. Otherwise it is tendency in common even
Speaker 23: between married partners.
Speaker 4: So but most of the time it always is right.
Speaker 23: Well, yes, my custom, most married couples do buy in
Speaker 23: joint tennancy.
Speaker 4: Why wouldn't they default it? The other way then, just
Speaker 4: out of curiosity.
Speaker 23: That's just the way that the law is. Our law
Speaker 23: derives from you know, old English law, and that's what
Speaker 23: the way the common law might have been.
Speaker 4: Yeah, that's so curious to me. Okay. So usually people
Speaker 4: like I don't know up until maybe my third house
Speaker 4: we bought, like our first house, I never would have
Speaker 4: thought to sit down and tell my lender or tell
Speaker 4: the builder, hey, I want this to be joint tenancy,
Speaker 4: or I want this to be tenancy in common. I
Speaker 4: just most people that are buying their first house would
Speaker 4: never think about that. But it tends to end up
Speaker 4: that they're joint tenancy, right, I mean that's generally how
Speaker 4: it ends up.
Speaker 23: Yes, And most title companies and real estate brokers and
Speaker 23: attorneys who are involved will know to ask the buying
Speaker 23: the buying couple or which way they want to take it.
Speaker 4: Yeah, but they're going to more or less explain it
Speaker 4: like we have today, like you know, rights of survivorship
Speaker 4: compared to each own whatever. Hey, that's Brad O'Brien. The
Speaker 4: show is basically over. Brad. I appreciate it. And Brad's
Speaker 4: number for everybody out there seven two zero three seven
Speaker 4: zero seven, three eight eight or olslaw dot com. Hey
Speaker 4: Ray and Maryland, you've guys got a problem with the
Speaker 4: process server. I'm gonna get you up first thing in
Speaker 4: the morning. Three oh three Martino. That number works on
Speaker 4: and off the air. And Robert Bruce. You can find
Speaker 4: him on a referral list a referral list dot com.