The Troubleshooter 1-15-25

Yeah, RiPP.

You needed, that's who you don't have.

Come running just as fast as we can.

Shooter's gonna help coming.

Man Dix is the Troubleshooter Show. No Tom Martino, Hey.

Tom Martino here, Welcome to the show. Three oh three seven one three talk, seven one three eight, two five five. Here to help you, solve problems, answer questions taking place, make your life a little easier. No comments, no comments on my uh tan, people say, Tom, you look so y'all. Listen, I went to Hawaii all almost a lot of December, so I can't help my color. So no comments, morons.

In California, it's especially it's a different circumstance because the insurance companies had already done a lot of the non renewals prior to the fire. So a lot of the companies, specifically State Farm had pulled out and had non renewed a bunch this summer. So the biggest exposure is with their fair plan, which is their you know, insure of last resort, And so that's who's going to take a

Pay out bring down an insurance company.

Well, the fair plan isn't an insurance company. But yeah, you know, we've seen an insurance company out before. Yeah, I mean we saw it with AIG if you remember back in the day whenever the financial crisis hit, uh and they were going bankrupt and federal government stepped in and had to loan them money. So yes, it can bring down an insurance company.

So right now, what does it do for us and people around the country. Will it affect all of us in the aggregate?

Yeah, I mean, insurance is all about spreading the risk from you know, a.

Small from the few to the day.

Yeah, that's the whole concept behind insurance. So it's impossible to think that this won't have an effect on the entire country. But more than that, if we're looking more locally, in addition to possibly premium changes because of this, what you're going to find is that their insurance companies are going to get tighter and tighter on fire prone areas. And it's not like they have it already. Here in Colorado, you're seeing you know, Evergreen and places that are subject

Well, people are going to lose equity if they have total losses most of the time. Most of the time, the equity you've built up is gone. You're gonna have all you can do to rebuild. Yeah. Some people even ended up with mortgages up north here in Colorado where they're going to end up with new mortgages even if houses were paid off, Yeah, or bigger mortgages.

And as you can imagine that that bigger mortgage mortgage also will probably be a higher percentage than what they had previously.

Is there anything, But there's really nothing we can do to prevent that. Is there not catastrophic loss? No? I don't think you can adequately assure against it.

No.

I mean, if you can get a policy that has the uncapped placement costs.

Where it can truly cont ever it cut whatever is. There's such a thing.

There is, absolutely, There's not many carriers that have it, but we have. I have three carriers that offer uncaptured replacement costs.

Tell me what Tell me what that would mean to someone versus a cap okay cost? Yep? So or do you want to take a specific you want to take my house and have your people run it?

Uh?

As far as what the replacement costs I have right now on top? What do you have uncapped?

Oh?

I do you do? Yep? You're with one of those carriers that offers uncapped replacement costs?

Well, how much would I say if I had twenty five or thirty percent?

Well, they don't even offer it. Your own particular carrier doesn't. But yeah, if if a carrier offers it, it's a no brainer to take it, because you're not talking about a big difference in print.

Okay.

The problem is most carriers don't offer it.

The most in my carry Again, I'm not pure? Is that mine? Yes? Yeah, yep. And again these guys I have so much trust in them. I know what I have, don't I don't want to sound vacant, but I put so much trust in them. They just tell me, you know what I should do, and and that that's really what you want, by the way, but you have to earn that trust. You can't just hire someone. And I mean this has been many, many, many years. So okay, so again this is really important, really important, and we're

So you real quick? I uh signed up for a subscription service for for medication from a place called Hams.

And what kind of medication Peter?

It was the stuff to make you happy?

The the are you talking about testosterone?

No?

No, no, no, no, I it's for sex. It's I got like it was like what's it called called padela fill or something like that.

Oh oh, you're talking about like like a generic biagra or cialis exactly exactly.

You know.

I often wonder why people don't go to their primary care for that stuff, yeah, you know, including hormone replacement or or at least a concierge doctor that does this. But it's okay, I mean, you know, the real, the real deal with ED medicine is that you use it properly and you get the real stuff. I mean, and Hymn's has the real stuff.

They do correct. So but you make a great point, and it would be a lot easier just to go to your main doctor and be a lot cheaper too. But anyway, I didn't do that, and I got my first shipment from them, no problem. And they did another shipment a few days ago, and they want three hundred bucks.

And now, wait a minute, what is the subscription all about?

So it was basically it was like it was it wasn't very many pills. It was like it was like five pills or something. The first one was like maybe like seventy bucks or something like that.

The second one, this seems like a lot of money.

It does.

I have primary care that primary Care takes care of that. It's really not expensive stuff.

So the thing is the rub is that they they took out three hundred dollars out of my checking account. And I called and I said, I don't want.

To do this.

I want, but you must have agreed. You must have agreed to it, though right.

I don't show anything that I agree to it. But the thing is it hasn't even shipped yet, it hasn't even been filled yet. But they won't get me my money back. They said that it's too late. But they haven't even like filled the prescription yet. They haven't done anything. And just sitting there, I mean, I haven't done anything.

It's dark. Well that that that makes makes no sense to me. Man, it doesn't make that makes sense.

I just put my money back and they when you call, and what I've learned.

Now they actually they actually took it out of your account already. It's not a credit card, it was an actual, it was an ace. Why did you give them your ach information? Why'd you give them that?

I don't have a credit cards anymore. I just I eliminated all credit cards.

So here, let me give you. Let me give you some steps to take right now. Okay, man, you're not gonna you're not gonna like it. You not only have to stop the ach from future, you have to change banks. Okay, let me tell you why. I'll tell you why. When you have an account with a bank, you actually sign an agreement saying that if one account is short, they

So that's pretty much just you don't think there's anything I can do to get my money back with.

Them, like the well, one thing at a time, One thing at a time, bro protect future payments, get done. Then when you get that done, let's talk about then we'll talk about going after him. I mean, I mean that, but one thing at a time. I got to look into getting your money back on an ach Okay, so you may have to do a small claim score, but you gave them authorization.

No, no, no, if you correct.

Sure.

I just think it's a simple fix for them. They just need to give them money money back. They haven't.

Yeah, but they don't want to anything. They don't want to because they're greedy. Listen, when they're greedy, they don't want to. If they didn't ship, they could do it, but they don't because they're greedy. There's no other reason. And they're holding you to the letter of the law. Three all three seven, one, three, eight, two five five On Tom Martine, we are here to help you. Renew Home Innovations dot com. Beautiful porcelain showers, and I mean

Okay, I'm going to try to make it brief.

So I went to we need new appliances in our kitchen. We have a very small kitchen, so we have been pricing and doing all that thing.

So we decided Low's was our best option.

There's the measurements, my husband did.

I'll throw under the bus anyway.

We took our measurements, talked.

To the loads. He said, okay, that's great, and we ordered deliveries were set.

Up for different days for different appliances. Well Bridge and my stove was coming last week, so the delivery guys showed up, took my stove and my refrigerator out, put it in the front yard.

Brought in.

The new stuff does not sit anywhere close like inches and inches.

I can't open the well. Hold on, who did the measuring? My husband.

That I asked the delivery guys.

And we know that's on us.

So I asked the delivery guys.

I'm like, hey, can you just take these back to the warehouse, put my stuff back. I'll go down to lows, you know, we'll see what the fool's meant. And the guy looked at me and he goes now, and he starts speaking to me or speaking to his friend in Spanish, and I understand Spanish, and they were saying, I'm a stupid woman.

They don't know how to measure, blah blah blah.

Anyway, I call a friend of mine who gets on the phone with them.

Who speaks for on Spanish, and says, please.

Put her appliances back, take the news back to the warehouse. I'll go with her, you know, I'll come and measure for her and we'll get her new appliances. And the guy goes, now, we're not going to do that, and he drives. He just loads the stuff up on the truck and leaves with the new refrigerator.

And by the way. Did you offer? Did you offer to pay them extra for that?

I did?

Yeah, you did. And why wouldn't they want to make some extra money? That is?

I said, man, I'll give you fifty bucks, just please put my stuff back.

I'll even help.

And they said no.

So then they started getting nasty. They were talking to my friend on the phone, and you know, they drove off. So I called my husband at work.

He comes home.

I take off and go right to Lows and I talked to.

The sales guy who helped us, and he goes and gets his manager and he says.

Now, did they take the other appliances back? Hold on, did they take the new appliances back?

No, they left them in the middle of my kitchen, not hooked up.

Okay, they're literally sitting in.

The go ahead my kitchen, all right, So what happened?

Then?

I tell you.

So then I'm talking to the manager, the appliance manager. His name is Mike at the Parker Low and he says, oh, gosh, this is no problem, easy fakes. We'll get you taken care of.

I'll call the warehouse.

They'll bring your.

Stove and your refrigerator back.

We'll get the new stuff taken out of there. I'm going to send somebody over to measure make sure.

When you said, when you said they'll bring your other wait, when they said they'll bring your other appliances back, what do you mean did they take did they take them from the house?

Yeah, if I understand her correctly, they took off with her old appliance.

Did they take off with your old appliances?

Yes?

Yes, they in their truck after I told them not to.

I said, you believe it, but let me.

Ask you this. Hold on, yeah, but hold on, but hold on, Lisa. Were you getting were you trading in anything? Or were you they were scrapping them for you?

Or what.

They tell me?

Okay, good, all right, keif see you keep going yep, yeah.

I paid for that, and I said, I don't care about the charges. I mean obviously they brought it and moved stuff. And I even told the guys, hey man, you know, here's some coffee.

You know you want some water?

I'll pay fifty bucks, please put.

My stuff back.

Yeah, I get it.

I get it.

So where does this stand right now? Without going by blow? Where does the stand?

So after every single day of talking to loads and them telling me no, problem. It's now a problem. They the appliance manager who told me he was going to call the warehouse and have my stuff brought back and send somebody out to remeasure to make sure they can find something to fit.

My stuff got scrapped.

So I have a refrigerator in the middle of my kitchen and a stove sticking out in the middle of my kitchen and they can't find my old appliances. So every day I've been calling them, going what are we going to do?

What are we going to do?

And well, I think the easiest Lisa, let's look, Lisa, let's look toward solutions. The only thing I think you can do is go there and get stuff that fits, or make your kitchen so it fits. This all started with your.

Husband's Here's the problem.

They no longer make because my house is twenty five years old. They no longer make a stove to fit that depth.

Then you may have to get it altered at home.

In your kitchen.

Yeah, well, I mean what Lo's doesn't owe you a new kitchen.

Listen.

Low's doesn't ow you listen, Lisa, Lisa, listen, Please, they don't owe you a new kitchen. What they owe you is the value of your old appliance is at best, At best, that's what they owe you. At the very very very very best, they would owe you that, which is next to nothing. Let's just call it like it is. There is no perfect solution here. They're not going to redo your kitchen, are going to sell you what they have.

Now.

So what would you propose as a solution.

Tell me what is your that fits?

I wanted.

I wanted my appliances back.

So so now.

Right now there there, you can't get it back. Tell me what you want, Tell me what you want.

I want to be reimbursed for my stuff.

How much do you think they're worth? How old were they? How old? Ten years old? Ask me how much do you think? Asked Amitri? What paper? I didn't know, Mark, Mark, I didn't know you were there. Man. So Tom, I have another idea I wanted to bounce off of you.

What do you think, Lisa, why don't you just go to Low's get a refund on the appliances that are sitting in the middle of your kitchen and go to all the other go to all the other hardware stores and find applying.

Can you hear them? Well? Okay, let me just let me just pump the crap out of it.

Go ahead, okay, Lisa, So I'm just gonna repeat this because we had an audio problem when I was talking.

But here you tried.

What do you think of this?

Let's get let's get a refund on your appliances from Lows and just go to all these other appliance stores They're everywhere, and buy some appliances that will fit your kitchen.

That's what we talked about. She said, she can't find it.

I have trouble believing they don't make that depth anymore.

Okay, but everything else can be replaced.

Yeah, but I'd have to move my dishwasher and I'd have to take out habit it is to make the fridge fit because they don't have.

Okay, they don't have shorter refrigerators that would fit that space.

Okay, well, Lisa, I will tell you this, okay.

And the store had told me they were going to take care of this, but they called last night. Let me just tell you what they told me. I asked them, please go find my appliances and bring them back, and I'm going to go away give me my stuff back.

They said no, no, no, no no.

So last night the warehouse manager called me and said, we're going to go to the scrap yard and we're going to go get your appliances and we're bringing them to your house today. And I said, after they've been sitting in the snow for a week.

Okay, you know, Lisa, Lisa, I'm going to tell you something you're not going to want to hear it. There's not going to be a perfect solution. So you take your appliances back. If he can find them, take them back. Sitting in the snow in a week is not going to hurt them. I know you don't want to hear that, but they won't. Okay, this mistake has to be born by most with you guys. Now, the fact that they took them away is BS. It's BS, Lisa, I don't

Here it is.

Can we go back to the phone ones and find out what's on your mind? Remember Brian burns with us. So we're also going to do what we do all the time, and that's the insurance check up, and you can call it, well, you can call that other number that we have, we'll call it. Just call them directly three oh three nine nine six nine thousand, three oh three nine ninety six nine thousand and ask for an

Yeah, right now? That number is not eighty five percent, it's lower than that. But even if we're not able to save money, we can at least give some advice. If our opinion is you should stay where you're at, we'll tell you that, but we might also tell you, hey, you might look at increasing this or doing this, or you know, maybe we have an option that is a little bit more but has some of the coverages you needed.

All right, three h three seven one three talk seven one three eight two five five. Who's next? Michael? Michael? What's going on with? Oh God, Greeley, Greeley? And the reason I say? Oh God? What is this noise I'm hearing? Folks? Anybody want to thank.

Sorry about that? I'm talking on bluetooth right now.

All right, go ahead? What's happening? Man? Yeah, good man?

What's going on?

Behalf of my parents?

I'm calling on behalf of my parents. They had purchased a vehicle of eighty four Thanksgiving from Jent Cheverlet kind.

Of like in Greeley, Colorado. I myself actually, okay, let me let me explain something. Well, ninety percent. Let's listen. Let me just just explain this to people of the time. If you buy a car in Greeley or World County, you'll be screwed. Keep going.

Thanks to throw the heads up.

So I'm just telling you the truth. Now, they went, they went to get Chevrolet.

Yeah, Jet, Chevrolet, Cadillac and Greeley Colorado.

What did they buy?

Cool a new Chevrolet?

What did they buy?

Trade in.

A new chev Chevy Silverado? Yeah? Can you get off bluetooth or not? I don't want you to be unsafe. I do not want you to be unsafe. Okay, let me so.

Okay, Now, can you hear me?

Please don't be unsafe pull over or something? I mean, if you're driving, I want you on bluetooth. Okay. Are you Chevy Silverado from again Chevrolet? Okay, go ahead?

Yeah, correct, And so they had bout this the day before Thanksgiving. They've traded in two vehicles. One was a Key of Soul, the other one was a twenty twenty three Ford Expedition and had payoffs on both of them. However, the dealership themselves actually miscalculated this payoff by sixteen thousand dollars.

Okay, now, keep them.

Which payoff, which payoff? Which payoffs?

For an expedition?

Let me explain something. Why did they Why did they miscalculate the payoff?

You know, I've done this for fifteen years myself, and I couldn't tell you because usually that's supposed to be checked at least three times before they actually send that out, and.

More than Now, Michael, what do you mean, what do you mean you've done this? Michael? What do you mean? I worked?

I actually work in the carbet as myself.

Good, Then let me let me tell you that you were then you you know what I'm going to tell you. And here's what I'm going to tell you. When you sign a contract for the car and you're trading in cars, you sign a disclaimer that says if they miscalculate, you owe the money. Okay, you do each and every single each and every single time. Now, yeah, here's the other problem.

Exactly right?

The ball from what I hear, because I actually went with my parents to try to settle this out with the youth car manager. And legally, I do know this that you cannot sell a vehicle without pain without having the title and end.

Okay.

So they told my parents that they had sold both trades okay.

And I think you know that the new the general, well, they didn't sell them. They're just being dishonest. Hold on, man, I got to take a break. I just have to three O three and I'll get to all of you. Call please three O three seven one three eight two five to five. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay us until you're content. Time for an insurance checkup free, no obligation.

Man.

I don't trust any car dealers in World, County or Greedy. That's just the way it is. Don't trust them. Don't trust them. Don't trust them. Enough said, period, don't trust them now most of our car you know, it's amazing per capita the problems they have compared to Denver. I think that the word went out years ago. If you're a scumbag, mofo, lying, scumbag, piece of excrement, come on up to Weld County and Greeley. We want you to

Through trying to you know, deal with the dealership and you know, and I even talked to my manager at my store and he's like, you know, we all make mistakes.

If that was a mistake, we would make it right.

And unwine the card. You'll give the trades back. And you know, obviously the customer can't pay the sixteen thousands of course.

You know, so they and they won't do that. They won't hold on, they will not do it. They're sticking to their guns.

They want to stick to their guns and force my parents to fork out sixteen thousand dollars to you know, to come.

Well, they can't. They can. I'll tell you why. First of all, that you're at a standstill. They can't. They have a certain amount of bailment they can collect and that's it. They are limited as to what they can do, but they can collect every penny. And so I want to give this to a fight. I want to I want to give D. Do you feel like calling this dealer and trying to negotiate for back bro? Yeah, I'll be happy to do that right now. All right? Did you hear that, Shannon? Did you hear my man D?

Hi, this is Linda.

What's going on, Linda?

Well, I have some questions about fighting for my house. Yes, we got an estimate for my house is a nineteen fifty nine ranch. It's about eighteen hundred square feet and I want in probably the upper third of it is the wood trim that I want replaced. But I got an estimate or a quote from for Hardy Plank and it came back as twenty three thousand dollars. Does that sound right?

Yeah?

It depends on who you're dealing with. It could be very well be. But here's what I want you to do. Yeah, I want you to hold tight.

Party.

I want you to hold tight, and we'll we'll talk to Genesis first and then go from there. Three oh three seven one three eight two five five Kaschina, let's get mark on if we can. We got more coming up. Go with a sure thing Denver's Best roofer Excel roofing dot com.

You don't pay a cent until you're content. Leave time for.

An insurance check up free, no obligation. In comparison, call Compass insurance, pay too much your coverage at dozens of insurance companies. Find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two.

Yeah, time.

Ripped of news.

You needed that so you don't have to.

Run anxious suspass as can show.

Shooter's gonna help coming man.

This is the Troubleshooter Show. No Tom Martinez, Hey Tom Martino here, welcome to the show. Three oh three seven one three talk seven one three eight two five five. I have with me Brian Burns. You'll see you're streaming to my right. He's with Compass Insurance Group. We're doing insurance checkups today. Now they do them all the time at three three nine ninety six nine thousand. It's something

Well, and.

I was mad at him. Okay, but he's like almost like a son of me. I mean he's been listening to me since you little boy. I got him his first computer and I said, why would you do this? Why wouldn't you get uninsured and underinsured motors coverage? He said, oh, I just wanted basic liability. And I said, do you understand something? Basic liability is good and you have to have it. That's what the insurance. That's what the state requires,

But it's twenty five thousand per person fifty thousand paraxi right, so it's higher now, but the property damage is fifteen thousand, So that's damage to someone else's car is only fifteen thousands.

But they're more concerned with their bodies for sure. So let's talk about that. So now, if I hit somebody and I'm insured for twenty five fifty yep, are they going to take that?

Well, they'll exhaust that twenty five thous they yeah, but they won't settle.

No, no, no, no, Now why won't they settle because they might think Tom is more. I can go after Yep or Brian has more. I can go after Demetrior or Mark or anyone, and then they assess it. So here's the rule of thumb. When you ensure you're insuring for your net worth or close to it. And here's why, because people have to make a decision. Do we want to sue that person who hit me and take a chance of getting a judgment and really being paid, or do we have no chance of being paid and we

Yeah, and time away from work or not be able to enjoy life again.

Yeah, so let's talk about this medical payments a different kind of coverage. Yep. Again, I don't believe they had that. Maybe they did.

Basically, it's going to be minimal at that I'm five thousand dollars is what most people have.

Now, Yeah, but it's dirt. Are you even ten or twenty thousand? Of medpays dirt?

Deep? What people should do when they get insurance is insured for uninsured underinsured motorists. That's coverage for you. You are protecting your self, so you get medpay as much as you can afford an underinsured uninsured motorists. That's called UMU. What is it called UMU?

I am yep okay?

Now, that will cover you when someone else is under or uninsured, which is about sixty to seventy percent of the population. Do you understand that you have a sixty to seventy percent chance of getting hardly anything because they're underinsured. Well, in Colorado, there's a lot of people with no insurance, so you get zero, right, and that's well that no, that's uninsured. So underinsured and uninsured, that's what it covers both.

And I can tell you because I look at people's insurance that come to us, it is a huge majority of people that are insured. Let's say with these direct carriers like a Geico or even you know like a Farmer's or one of those where the first thing they do to cut cost, whether it be the agent that's doing it or if it's them doing it themselves, is I see people come in with higher limits of liability.

Well that's really that. It's yeah, why you're trying.

To cut costs or they don't understand that what they're doing is they're they're actually covering themselves for less than they're covering other people, which I just don't I don't understand. As a matter of fact, you can't have higher limits of uninsured motorists than you do bodily injury. The state wos is what you can't get more. But but why would you choose to carry less coverage for yourself than you do for other people? And that's what people do all the time.

So get me straightened. You can't just get a bunch of high limits for um, that's right, unless you have you sell matching coverage for a bodily injury.

You can't have higher limits of uninsured motorists than what you have for bodily injury because the state's saying you can't ensure yourself for more than what you're covering other any bodily injury mean men pay no no, no liability.

Okay, Yeah, so you can ensure yourself for more than other people, that's right.

But you can at least ensure yourself for as much as you're covering other people. But all the time, people will have lower limits of uninsured motorists than they do for bodily injury and.

Get an umbrella them carries that you I am too, Yeah, and that's a little harder mark to find. I do have options for that, but I would tell you the vast sort of people to have an umbrella or you know, if they're was safe farm or what, they don't offer access on a sure motorist so you can't even get it through them. So yeah, I'm with you if you can, Yeah,

All right, now, let's talk to Adam. Hello, Adam, I'm Tom Martino. What's going on in your life? Adam?

Yeah, good morning guys. I just since you have your expert on, I.

Am actually a Compass customer.

As well, and I'm going through the renewal process. I just had a couple of questions. I have everything home auto my truck as a two thousand and nine, and I've been carrying.

Full coverage on it up to this point. Now I'm wondering, I guess, kind of what.

Is the formula for when you should just drop that down to liability.

When it doesn't pay for itself and then all.

So yep, with my homeowners, I have auto owners, and I have the guaranteed replacement cost the that I've been working with. He came in with Travelers and it's they up the dwelling amount and then it's a fifty percent overage. And I was just trying to do the math with full on replace or with how much it costs to rebuild nowadays, because that fifty extra if there is a total.

Loss, still put that and that's a wonderful coverage. Fifty percent extra is pretty damn good. It's good.

But uncapped is unbeatable. And I'll tell you right now, unless it's a substantial savings, I wouldn't switch only because of this. You couldn't go back to auto owners and get the uncapped They don't offer it. Anymore. Now they grandfathered it in. So if you're with them, you still get it, but if you move from them, we can never get it back from them.

Is that the same with pure? No, Pure, Pure.

Offers it's still that's we could do that on new business. But pure is also a different animal in itself. But yeah, but your other question, here's what I would tell you about liability only versus carrying collision and comp on an older vehicle. If you have I would price it out. Number one. Here's the thing. If you have young drivers. I know I'm not saying you do, but just as an example, if you have a young driver in the household and you have it assigned to a vehicle, that

Based off of that.

The whole quote package is one thousand dollars a year savings going to going to travelers, but like you said, you lose that fool guaranteed replacement costs. I don't have young drivers yet, but that's coming in like another three years, but the truck's probably realistically only worth five or six thousand dollars at this point.

Yeah, yeah, I would probably go liability only on that.

I don't like to last.

Yeah, I have that I would go liability only, Okay.

I mean I try and I maximize all my coverages after the Marshall fire. That kind of scared me because I wanted to make sure that I would need.

To go myself well.

And and the the uncapped replacement costs is tough to be. A thousand dollars is a big savings though. So I'll tell you what, why don't you keep? Give your name to to Kelly and then I will look into your account. After I'll talk to whoever the renewal specialist is at our office working with you. There is an option with Travelers to go up to one hundred percent extended replacement cost.

You have to change.

He gave me that.

Okay, well that that that bumped me up like over on top of what.

Auto owners currently is.

If I just were to renew, so oh.

It's higher, Oh okay, yeah, yeah, I would be very It would be difficult to leave auto owners in that case to me, but I'm happy to talk to you about it.

Just right, man, general, how much does it drop from full coverage.

On an auto to just liability?

Is that somewhat of a significant faces?

It's so difficult unless I.

Had your but it is. It is always the savings calm collision coverage adds some cost. If your car isn't worth.

A lot, I'd go, I'd don't liability only.

But but listen to this. I've had people be cause their car wasn't worth a lot, drop it and for the savings they got because they weren't paying a lot anyway. Remember the more the car is worth, the more you pay in collision. And actually they didn't have a way to replace their car, so it almost becomes an uninsured thing too. I mean, if your car is damaged and you're fighting over who's fault, it isn't all that. If you have collision coverage, you get the price for that car.

And that was my point. If if what it's saving you is so minimal, then that's why you just have to get it priced out. That's what we have to give you is just like what is the cost savings to go liability only? The other thought process on that is.

I'm with you.

If you have someone else that hits you and they don't have insurance or they're dragging their feet, you can go through your own insurance, which is huge and it's a non at fault accident, so you're not surcharge. You still pay your deductible. But the flip side of that is you're not going to want to make a collision claim if that you're at fault on a car worth four thousand dollars after your deductible amount, then all of a sudden you're paying a higher premium because you had

We can then assess it information and assess it from there. The next thing there is something called Adams, something called uninsured property damage. How does that work, Brian? You actually buy that separately.

Yeah, so it's only available if you don't have collision coverage. You can't have it in addition to collision because collision pays for uninsured motorists that damage your vehicle, but uninsured motors property damage. It's very inexpensive. But it also is it doesn't come into play very often.

It's only when somebody uninsured hits you and ruins your car truly uninsured.

A hit and run does not qualify as an unassured motors unless you can prove the person that hit and ran your car is uninsured, so it really has to be someone that does not have insurance, and you're able to turn a claimant for unsure motors property damage at that point.

Now I want to talk to you about renew Home Innovations. I don't know if I got this across or not, but the shower conversions they're doing, they shouldn't even be called conversions. They are the most beautiful, beautiful edition you can make, and it's at the price of a conversion, meaning they have porcelain sheets now real, honest to god porcelain, no maintenance, beautiful, and they will quote you that they can do it in two or three days with seventy

I just got here.

Okay, let's go to your shot here and let's do that. So now, let me tell you what an insurance checkup is. If you go to the Insurance Healthcenter dot com or you call them three h three nine nine six nine thousand, they do an insurance checkup. It's an honest to god look at what you're paying and what you have and what they can find in the marketplace. There's no pushing, shoving, lying, cheating. You can't You know what I love about free second opinions.

Bro So?

This one that looks like they called in. They are with Liberty Mutual right now, and they are really under insured on their home. They live in the Ken Carroll area. It looks like they only had a policy with Liberty Mutual that would pay out a maximum of five hundred and sixty six thousand dollars in the event of a total loss. That's with the extended replacement coss.

Oh my god, five hundred and sixty six thousand. What kind of a home?

The home is worth over a million. Oh, so they're substantially under insured.

Now would they be socked with an underinsured penalty on it?

No, I don't think they would because they've been with them forever, so it's just it they haven't kept up with.

But there are consequences to pay less of a premium than they should have been all these years.

Well, the penalty is going to be they're only going to have five hundred and sixty six thousand now, But let's talk about a roof.

You've always told me or I was always told if you're insured for half the value of your entire home, you get half the value of any claim.

Well, is that not true anymore? Well, here's how it works on personal lines. If at the time that you get the insurance, they're going to run a replacement cost estimator. If you insure it for whatever the replacement cost is. Even in the event that there's a loss and it's much greater damage than what you have insurance for, you're not penalized other than being under insured. You're not penalized for a partial loss, and they're going to have a

To a carrier.

We've quoted them with a carrier called Acuity. They're one of the few ones we have left that they do have guaranteed replacement costs uncapped. We added an umbrella with excess uninsured motorists with the auto home and umbrella and saved them a thousand dollars give or take annually.

Okay, that is wonderful. That is wonderful. I mean them real coverage.

Yeah, that that made me.

Come on, you don't ask for better than that.

Go ahead, mark it's safe cod Because aren't they owned by Liberty Mutual?

Yeah they are.

Yes, are they generally cheaper than Liberty Mutual if you if you had them and shopped them.

All the time, I'll see where there they're different rates. I'll put it that way. But yeah, all the time when people come from Liberty Mutual, I don't like rule out Safeco. I'll quote Safeco and it will be a vastly different rate. Sometimes it saves the money, sometimes it doesn't.

Got it?

Okay? Now three h three seven one three talk seven one three.

Wait wait I got one more for Brian. Yes, So we were talking about uninsured and how important it is and big time it is.

I don't care what kind of car it is.

So if you lower your car and get rid of comprehensive and basically just have the you know, liability only and that's just on one car, but on the other car you have you know, full coverage. So is each car get the under insured or no insured or is that for the policy? Does that make sense?

It does?

It does?

The uninsured motorists or underinsured motors is a policy coverage. So God has nothing to do whether or not you have collision or comprehensive. It's it's completely separate from that. And then then goes over all the vehicles.

And we had someone on YouTube going if the kid's eighteen, and you know, let's just pretend it would be cheaper to get them insurance because they're driving a nineteen ninety whatever and the vehicles you're driving costs a lot more. So instead of them putting on your policy where he's covered by all the vehicles in the household. You just insure them with cheap insurance or her for the nineteen ninety whatever. You follow me so far, Brian. But the car has to be in their name, Mark, Yeah, and

Well, they're excluded on the other vehicles. That's the way to make that work.

Yeah, but they if they still live with you, when they go out and do massive damage and they only have twenty five well.

Hold on, now, hold on, hold on. John Fuller and I had a very long talk. Now I'm totally transparent. I'm going to tell you so my daughter has a car that I own, but it's her car. You know, it's in my name, and she drives it and is insured under my policy and for all the big limits. Now we I asked John, John, she's now no longer a kid, she's an adult, she's working. What if the name is what if the car's transferred to her under her name and she's insured under her policy, even if

Now.

I don't want to put words in his mouth, so I want to get him on. He is saying, you can be safe, okay, And and then Brian said, no, Tom, they're going to come after you. I see it all the time. We should we should really talk about this once and for all, because at some point it might be cheaper for me. I don't know. It might be cheaper that she has her own policy in a car, in her own name.

Yeah, and that that comes at a certain age. It's certainly not eighteen years old. I have done this so many We did it for you.

But you're talking about she would pay more under her own name than I'm paying now.

It doesn't save you money, and you're limiting your coverage.

No, I get that, But at what age then?

Usually after twenty one, if they're on their own, it makes all the sense in the world to move them, you know, to get quotes at least on their own policy if they truly are on their own. And I will always take a backseat to an attorney that tells you something, but I will always you.

Know what we need it.

Since today is insurance day, it would be a really good day to talk to John about this. I would, because it comes up. Would scare the hell out of me.

Is something happens to their car, and something happens and they got to get somewhere and they end up taking one of yours that they're not allowed to drive anymore.

I mean, to me, here's what happens. Now, I'm gonna my car. The cars are still family right now. So I didn't have this problem. But I did have a kind of rehearsal. Okay. And this was another company that caused damage to my daughter's car. And they were stellar. Okay, it was an accident at a roofing thing that dropped on my daughter's car. This roofing company came through one thousand percent, one thousand percent okay, lifetime construction. These guys

Now.

Turrow is a peer to peer rental and I was able to go online and you can get Oh my god, they're so cost effective because people set their own rates. They're good, honest people. In fact, Brian I called Brian and said, Brian, I think I chipped the windshield. Well my windshield coverage carryover and you said yes. And here's what was great. I call the woman and say, I, you know you can you can call Compass or excuse me, I'm gonna use Compass for your winshield because that was

Yeah, there's ways to do it. I just people think that it's gonna save the money. And that's all I'm telling you is that a very rarely if they're that young, it's very rarely a better option to go to a policy on their own.

Just I'd love to hear Fuller's thoughts on that though. Yeah, and that's what we're gonna do, because you know what, it's been long enough that we are super behind you. Uh oh, let's take this break right now, right now, go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content.

Okay.

Now, in a nutshell, liability is for others that you damage. Brian, do you want to expand on that. Let's just call it what it is. Liability is the first primary coverage required by law. Okay, go ahead, yep.

So yes, exactly. So liability is there to protect other people, but in a sense, it's to protect yourself from the standpoint of lawsuits, right, That's all I mean. Like, if if you get into an accident and you injure somebody else, that bodily injury liability is then.

And also the property damage as well.

That's separate. Property damage is to cover their property.

Yeah, but it's all under liability.

But they're separate limits. That's all I mean, I get out, okay, yep. So when you're looking at your policy, you'll see a number for bodily injury liability, which we'll have a number like one hundred thousand per person, three hundred thousand per accident. That's one hundred thousand per person you injure up to three hundred thousand total in an accident. So you you have four people in the car, the most is gonna

Car and you do you know, see that all under liability.

That's all liability.

Yeah. Now we're going to go over the other coverages, folks, but please please, I know that everyone tends to think they're a node at all, including me, But let's review. This is so important. Three O three seven to one three A two five five Go with a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup, free no obligation comparison call Compass insurance, paying too much

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Hi, Tom Martino, your troubleshooter three zero three seven one three talk seven one three eight two five five. Riza, what's happening with you? Ritza? What's going on? We're gonna go over insurance coverage in the next hour. Go ahead, Riza.

Okay, I'm my name is and I'm calling for my daughter really because she lives in Frederick, Oh, Colorado, that's just north.

Okay, go ahead and see what's going on? Yeah, go ahead.

Huh.

And it just seems that nothing in the house works. And now she ended up with no no, no heating.

And when did she buy it? Reesa, let me ask you a few questions. When did she buy the house.

She bought it.

I think she moved in. And the last the last year in the beginning, like.

In January February of last year.

Could could have been. I don't know.

I okay, in her Okay, that's fine. In early early twenty twenty three for twenty twenty f I'm sorry, and okay, hold on, We're gonna come back to you. Hang on, We'll come back to you and see what the issues are. Okay. I will ask some questions and we'll see what we can do for you. I'm Tom Martine. We have more coming up on The Troubleshooter Show three O three one three top seven one three eight, two five five. Go with a sure thing Denver's Best roofer Excel Roofing dot com.

Rip of.

News needed by who you don't have?

Come running just as fast as we can.

Shooter's gonna help coming.

Man six is the Troubleshooter Show. No Tom Martino, Hello.

Peeps, Tom Martino here, Welcome to the show.

Fighting for you.

Yes, we'll do anything we can to fight for you to make your life a little easier. That has what that's really It's truly what I've dedicated my life to because I believe when you're in the service of others, you have priority for the best, the best of everything. So what I want to do is help reson. I want to help you. Give us call three oh three Martino twenty four seven three oh three six two seven eight four sixty six. Brian Burns is with me from

Was this a was this a.

Uh used or new house?

This is a brand new house.

Okay, a brand new so a home builder. She bought it from a home builder? Is that right?

Oh?

I would think so about it. I think it is a big company from Dexter.

Okay, okay. Now l G I l G I okay, Okay. Now what is what is wrong?

Well, it seems like everything is wrong. But at the moment, at the moment, he called me yesterday and said that electricity is turned off and they will not turn it on, not because she hasn't paid, but because they have a wrong kind of those panels where the electricity is a house you know?

Yes, uh huh the circuit the big circuit panel.

Yeah, yeah, circuit yes.

And now who said they won't turn it on? Is it the Reesa? Is it the power company that won't turn yes?

Yes?

Was it on when she first moved in and then they turned it off?

Oh? She has Yeah, she hasn't had on.

And I am I am When when was it turned Reesa? When?

What Esa?

When was it turned off?

There?

When was it turned off?

Well, she called me yesterday, so I think it just happened yesterday or day before.

Do you think do you think we can call your daughter and talk to her directly?

Well, certainly yes.

Do you think she'll talk to us?

Oh, I'm sure she might be it.

Don't give me the number on the phone. Put her on hold, please, Risa. I want you to give the number to our producer here Katschina, and then we're going to get your daughter on the phone, and then we're going to get this to somebody who can get through the bottom of this and help.

I think Tom I saw something in the in the call, screener notes she's actually called Riza actually called about an issue with a mortgage, and she hasn't gotten to that part yet. That sounds like a lot more serious than anything she's discussed so far.

Esa.

Was there a problem with a mortgage or is that a mistake.

On it she's currently talking with Kel's okay, yeah, well we'll go back to that.

And I see, you know, the wrong electrical panel and a brand new track on that seems almost impossible, unless if the entire block has.

The wrong one. Yeah, you know, I mean, how serious? Who knows even possible? I don't know. I honestly I don't know. That's why, you know, That's why I want to talk to the daughter who actually lives there, because you know, Riza is a love sounds like a lovely woman. I'm not sure she's getting it all straight anyway. Three ZHO three seven one three talk three D three seven one three eight two five five. So let's uh, let's continue here with our coverages. So we were talking about

Is comp comprehensive is the coverage for damage other than collision. So that would be uh, you know, a hailstorm, it would be a car is stolen, So it's it protects your car, It protects your vehicle. That's part of physical damage. So you know, to simplify this on an auto policy, there's coverage for other people, there's coverage for your vehicle. There's coverage for yourself.

Okay, But now with comprehensive protects your vehicle from damage other than collision exactly. Now let's talk about what is damage other than collision, So.

That would be examples, would be fire, it would be hail, it would be theft, and as bizarre as this might see, and it's also animal collisions that's still considered a comprehensive claim. If you hit an animal, even still you're colliding with it, it's not considered collision. It's considered comprehensive because it's it's a you know, theft.

With your car stolen.

Yep, if your car stolen, that's comprehensive.

Fire got it, flood got it.

Those are all examples of comprehensive loosses.

So we have liability, then we have comprehensive. Now let's talk about collision coverage. And again everything after liability is optional. Comprehensive is optional. Collision, I mean, mark is an optional, but I guess it is. Yeah, so we're not even there yet though, Mark. But but let's and and maybe

Oh for what for any kind of damage?

Uh?

That involves the collision. So if another car hit if you hit another car, it's not about covering their car. This we're talking about your vehicle.

Okay, regardless of fault.

Regardless of fault, the collision will always pay for damage of your vehicle.

Now, liability has no deductible, comprehensive, doesn't have a deductible.

It does whatever you have selected. And just for clarification on that, a lot of policies don't even say comprehensive. They say other than collision. So you'll see that those are synonymous.

Okay, and collision subject to deductible yep. Okay, So we have liability comprehensive or other than collision, we have collision with a deductible.

And then.

Let's talk about now what Mark was talking about for ourselves. First, medpay let's talk about that.

What is that?

So medical payments is a no fault type coverage, so it will pay regardless whether you're at fault or someone else is a fault, and it's damage.

For you injuries for you and your passengers or just you.

Yeah, it's it's per person. When you see the amount on your declaration page, that's an amount per person.

You and your passengers for medical medical bills.

Yeah, for any kind of damage to you. Here's the problem, what.

Do you mean any kind of damage?

So, I mean if you're injured, you can go to your medical payments.

The thing is, but you don't just get money. It's for bills, right, well.

It could be for your deductibles, it could be for a lot of different things. Here's the problem with medical payments is that it's it's kind of an open cash bag, so everybody goes after it. So when you go to the doctor's office, they're always going to ask you, is this a result of an auto accident? That's because they want to get to that medical payments. They see that they're ambulance right, first thing they're going to try to do is try to collect from the medical payments first.

A lot of companies think both its subject to a deductible.

It is no deductible.

Non't care no, Now, I wouldn't give the information to an er or anything. I mean, I just simply want to give your insurance information. You hire an attorney and let them deal with the medpay and where it gets applied.

Okay, folks, we have more coming up on the Troubleshooter Show. Stick around, Go with a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three O

H this is a tomp question.

I had a dent on my Uh why backbenders? You can imagine a softball.

That's what it looks like now and how did it happen?

Did you say how did it happen?

I have I have no idea.

And wait, wait when did you notice it?

Bro?

Probably three weeks ago. I always drive.

I just noticed it.

Yeah, I always ride my every two weeks.

Well, well, what are you asking, though? What's the question? I guess I don't know what the question is?

Well, would the would my insurance pause or no? It is on my own pocket.

I have no idea, So first and foremost my thought would be your insurance company probably will. We'll say that's a collision claim, not a comprehensive unless you, you know, had some form of proof that it was a softball hit it. Otherwise they're going to think something collided with another car, hit it and took off or something like that. So do you have collision? Do you have collision coverage?

I have?

I have full coverage.

Okay, So you would be subject to your deductible. If it's a small dent to the bumper, I would I would say, there's no way it's going to be worth making a claim, Okay, okay, because if it's a collision claim, it's surchargeable, So there'd be no reason even if it was in excess of of your deductible, it's not going to be a whole lot more than your deductible, and so then I wouldn't make a claim for that small amount.

Okay, Okay, Well thanks many.

If you get a deer, that's comprehensive.

Yeah, okay, isn't that strange because you're colliding with a deer.

I know, it's the one area of comprehensive that maybe doesn't make as much sense because it's, uh, you know, it is a collision in a sense. But but animals are considered comprehensive.

Okay, Now what about some other coverages we have liability comprehensive, we have collision, we have Now let's talk about this is the most misunderstood, uninsured and underinsured. Now what is the what is the anacronym for that? You M and U I am you M slash u I M okay, and it's underinsured uninsured yep.

And that is to protect people, well.

Which one is underinsured and which one is uninsured?

Are you am as uninsured motorists? Okay, go ahead, and then you I am is under insured.

Now let's talk about it. Yep.

So that again is going to be coveraged for you and people in your vehicle.

Kind of.

It's similar to medical payments. The difference here is that it's only applicable if whoever hits you is uninsured or under insured.

So it covers damages, covers not damages, but pain and suffering only.

Yeah, pain and suffering, loss of work, paintuff, Yeah, totally, yeah, that that's all that it's it's therefore, it's not really there to cover your medical bills, although they could certainly try to lump that in there, so it could be part of it, but most people have health insurance, so it's it's more about here's the thing. Very rarely do you see uninsured motorist claims or not everyday type claims,

Okay, So what we're saying is basically it's for you, and you'd be silly, silly not to have this coverage. Explain some of that, Explain how you use it.

So if in Colorado there is a large portion of people that are uninsured to begin with, and even another large percentage that have the state minimum, which is that twenty five thousand dollars. So if someone hits you that's uninsured or underinsured and you're injured, let's say you can't work anymore, you're in a hospital bed for the next six months, if they only have twenty five thousand dollars of coverage or no coverage at all, what are you

No. In fact, it's it's way worse than that.

You you only have twenty five fifty I'd even say one hundred thousand to that, Brian. Someone hits you that has a minimum for the state of Colorado or no insurance, it doesn't matter, and they change your life forever. You lose a leg yep, or you can't work anymore, you end up in a wheelchair.

I mean, that's it.

The only money you have is from your own insurance company at that point, yep.

And let's even say they have two hundred and fifty thousand dollars a coverage. Let's say they actually had good coverage. That's still not going to be enough. Well, your your uninsured motors can go on top of that. It would like what you're paying for it, you could still get more.

Yeah. So, I mean we've had ton of the uninsured.

Plus, like I said, the umbrella you sold us actually extends ours to the umbrella amount.

Yeah, so your umbrella. In some cases, if you have it and the company offers it, you can get access on insured motors on your umbrella, which would give you an additional million dollars on top of your two hundred and fifty if that's what you have at your underlying limit.

Okay, Uninsured property damage yep. Now that's a separate policy and a separate coverage.

Yep, we're going back to physical damage coveragees.

Yeah, no, and I will categorize this better, but right now, and yeah, let's just let's what is uninsured property damage.

So that's coverage for your vehicle. It's only applicable if you don't have collision coverage. Let's just say your car is old enough. You're like, you know what, I don't want to pay for collision anymore, any kind of collision coverage anymore. You can remove your collision and you can get uninsured vote property.

Now, what if someone has insurance but they're they're dicking around? Okay, I mean, can I can I put a claim in.

For unassured motors property damage?

No, nope.

Unasured motors property damage is only going to protect your vehicle in the case that someone does not have insurance. So it's only on those circumstances. It doesn't cover you if it's a hit and run because the insurance company is not going to assume they didn't have insurance. It's only there if someone hits your vehicle, does damage to your vehicle.

Very limited coverage.

It's very limited.

But it's also when you don't have collision and when someone hurts you, uh damages your car and they don't have insurance.

That's right, But it's also only usually twenty bucks every six months. I mean it's it's very inexpensive.

But if you have collision, you don't bother with it, no, because.

Collision covers you. If someone's uninsurance, it covers your car. Still, even if someone doesn't have insurance, your collision will step in and pay to fix your vehicle. So it's only applicable if you don't have collision coverage and you don't want to go pure liability. You just think, you know what, I don't want to go all the way down. This is a way to step down a bit.

Forgive me. Did you talk to Oscar? Is Oscar the one with the uh, the the dent and he didn't know how he yeah?

I think, yeah, we talked to Oscar.

Kahina helped me keep up on this man. Okay, thank you, We have more coming up to don Tell Martino three oh three seven one three talk seven one three a two five five Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now

Welcome, Hello, thank you.

For taking my call. I live in South Folders and I live on a wild land urban interface.

I have a wildland urban interface. Help me, just help me. What is that I'm sorry, I'm not familiar with it. It sounds is it like a wildlife Well, what is it? Is it federal or ste or local?

It's when you live right on the edge of the open space your property of budget, okay, either.

City or and you're okay, and the open space is the open space federal land, state land, or county land set aside county land. So the land you back up to is some kind of green belt that's owned by Boulder County, Y, Okay. So what is your question.

I have Chubb as my home.

Insurance carrier, and they offer a benefits where they give private firefighters will come to your house and full mits if need be. But what if everybody, you know, a lot of people in the neighborhood have Schubb. How do they decide which home to go to? Or what if the private firefighters are not allowed in the neighborhood because it's already been closed off.

My god, I've never even heard of this before. I'm asked. Listen, you're opening my eyes. I've never heard of this before. Now let's talk about it. It's a big, big thing, Tom.

Yeah, and all these high value carriers all do that. We have Chubb and we and the company you're with, Tom Pure, has it. It's a fire protection program that they they automatically offer. As a matter of fact, I don't even know what to call.

Who's a private firefighter? Who are they?

Well, they come up exactly if there's one of them your men area, they send them out.

I mean there are companies that actually fight fires privately. Oh I watched them.

You may recall they have it those wildfires and Boulder about ten or twelve years ago.

Doesn't county call them in?

Do they know the county has not? They're not responsive to the county. So I was up there photographing the fire and I saw a convoy of trucks.

They just show up on their own and they get they're called.

Okay, or the homeowner also has the option of privately contracting with them. This company was called fire Chiefs, and they had about a dozen vehicle convoy with dozens of men and they were driving right past the police roadblocks going up the hill to protect one particular house.

And what they'll do to them, they'll spray it with like that foam. They'll they'll do everything in their power to prevent that house that they're insuring from burning down.

Yeah, they generally work for the insurance company. Yes, but she had some good questions. If she has neighbors insured by the same people, what priority is there.

Well, I don't think they would limit the priority. They would send as much as they need for the given area. They know how much does that actual truck?

How much did I.

I don't go ahead, Mark, there's a rule metro that I'm just saying. It's not like it's like one guy in a truck. It's like a full blown right firefighting outfit.

It's huge. Oh yeah, they're for real. Yeah, they're not going to show up in one MiCT go hey, do we go to this house or that house. They're going to show up with twenty trucks, and.

They know in advance how many homes they're dealing with. They know they have, you know how many homes they have insured in that point, and they'll send out the appropriate amount of trucks for the number of homes they have.

Okay, now the private firefighters, how much does that coverage cost?

This is what I'm saying. It's automatic with these high values like a Chubb, they automatically do it. The only reason you wouldn't get it if you don't sign off to allow them to come in in that case.

Okay, So Laura, my question is if it's automatic with your coverage, why are you concerned at all?

Well, you know, when the fire comes down super fast, are they ready? How many trucks, how many teams do they have?

Well, here's what I'm asking. If you went with another company, here, here's what I'm saying. And understand what I'm saying. If you went with another company that doesn't offer this, you don't get it. If you're with Chubb and you're satisfied with the premium and it's built into the coverage, why do you even care? I mean, it's it's additional help, no matter what it is. Well, other than curiosity, I get it. She's saying, Look, it's part of my premium.

What they.

I have enough product who might check out. It's called Frontline Wildfire Defense System and they install like a Strinkler Frontline Wildfire Defense System.

Wow, I'm looking at their website. Pretty cool. And if you don't I wonder if they have tom so. You know, if you don't have Chubb or one of these companies, you can still go to someone like Rural Metro or a hundred other ones and sign up on a monthly subscription and then you have coverage for it.

Oh that's great.

Yeah, now I'm looking. I'm looking at a YouTube of this wall. Listen, that's U on YouTube talking about that. Huh.

It's a sprinkler system for your roofs and then it also forms your house.

It's used by an app and you can initiate it.

You don't have to be Oh, it saturates the hell out of your house. I wonder if they have stats to show. I mean it looks phenomenal, yeah, and foam inside.

I bet it works, I mean the I bet it works for a one off. But you have something like going on in La now or something like the Boulder fires. I mean, nothing's gonna stop that, right, I mean, it's gonna be ashes like everybody else.

Well, who knows. I mean there were people out there with isolated home saved and they had either a system like this or they built with defensive what they call defensive products. I'm not sure what that means anyway. So the sound you're hearing is me playing this video.

Well, after the Marshall fire, we would drive around and we would say, well, why is this one house standing and everything around it burned?

We would always wonder what did they do that we could do?

Do you have a lot of trees and brush around you? No?

No, I've mitigated all of that.

I wonder how much this system costs? This frontline and you can actually trigger it with your cell phone. My god, it's pretty cool, you know. Let's put it this way. I if I envision a time that you're going to have to have stuff like this or not be insured, I envision a time when you're going to have to do mitigation or you're going to have to do something before you're even allowed to be insured. What do you think about that, Brian.

Well, it's already here on New Business, Like, if you're trying to get new insurance, first thing they're looking at is the mitigation you've done. I mean, first thing they look at is the area you're in, of course, and there's a wildfire score associated with that, and if you are at a particular wildfire score, you're not going to get insurance in the standard market, but even to get insurance from a secondary market, from an excess market. They

All right now, I'm we got to take this break. More coming right up. Go with a sure thing Denver's best roofer Excel Roofing dot com.

You don't pay a cent until you're content.

Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three, seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter three oh three seven to one three talk

Yeah?

You're all you're talking about umbrellas. Just wait one second though, as far as auto.

You're referring to, yeah, other than your your more minor things like like you're talking about rental car coverage, towing us.

But that's all added under which.

Part that's that would be part of physical damage covers for your vehicle without.

Pay glass coverages is saved me a thousands? Can you get can you get glass? And towing and all that other stuff without collision or without comp No, you have to.

Have collision and comp well, for glass, you have to have comprehensive So glass would just mean that you have a separate deductible for glass claims. And then you have, of course things like lease gap, loan gap. There's there's all sorts of little endorsements depending on the situation endorsements.

Okay, now so then uh, you know Mark has a question. But before that, now that what this one? What this guy said, If I hit a deer or I hit a tree, are there two different coverage.

Yes, if you hit a deer or an animal of any kind, that would be a comprehensive claim, which means if you make that claim, you're not going to get surcharged in the state of Colorado, you're not going to have a rate increase because of it. If you hit a tree, that is a collision claim and that is a chargeable claim.

Or not just a tree, but including hitting any.

Yeah, you hit a pole, you had a fence, you had a you had a tree, whatever you hit, that would be a collision.

But it's stationary the key. No, it's not being stationary. Well, it's hitting any.

Object other than like an animal which is other.

Than an animal.

The you hit another car that's not stationary, that's collision though, Yes, you're right, yeah, how about it?

Hey, Brian, how about a Tesla robot.

Like if the Tesla is driving on its own and hits something, Is that what you're saying?

No, No, I'm saying like a robot like legitimately either the Honda or the Tesla robot.

So, but.

Yeah, if you if you hit it, it's still going to be a collision.

How about okay, how about a remote control plane comes crashing into your car?

Yeah, well that would still be comprehensive. Right, No, A, you're still collision. It's still a an eye, you know, it's still another idea, uh another moving It's not a vehicle in this tenth case, but you can still be considered a collision claim. We have more checked was the word I was looking for.

We have more coming up on the Trebleshooter Show three O three seven one three talks seven one three eight two five five Go with a sure thing Denver's Best Roofer Excel roofing dot com.

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Please time for an insurance check up free No obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two.

News. That's who you don't have the come running just as fast as we can.

Shooter's gonna help.

Come Man Dix is the Troubleshooter Show. No, Tom Martine, Hi, Tom Martino here, Welcome to the show three oh three seven one three talk seven one three two five five. And if you're streaming, you'll see Brian Burns to my right and uh it's also screen left actually but to my right. And we're discussing problems, questions, complaints, basically everything near and dear to your heart and pocketbook, things that you need to know about and we love talking about it.

Thank Brian.

What do you recommend when you have a yes?

Can you hear me?

Yes, sir?

You hear me, yes, sir.

We can hear you recommend when you recommend When we have a house in the mountain and our property, our neighbor has within the fifteen or two hundred feet of what they would like to see as.

Fires fire mitigation, and he will not allow us to cut any trees or trim any trees.

So your insurance company is saying you need to mitigate further out than when your property is located like, in other words, outside of your property boundary.

Well, right, right now, I have no insurance on it because I'm in the process.

Of building it.

I'm about to get my COO.

But okay, the.

Neighbors, they said they wanted them to be with outside two hundred.

Feet to have everything cut down or trimmed to get insurance on that, and say, yeah, we have the same issue his neighbor's property line is too close to within the two hundred feet or fifty feet, right.

Yeah, and that usually when you run into that, I hear exactly what you're saying. You're saying, I can't force my neighbors to cut down their trees or mitigat any further. The insurance companies, especially if you're in a high fire risk area, you're you're looking at like an excess carrier, not an admitted carrier at that point. And you can usually talk to an underwriter and say, will do whatever

Does that make sense? Their will be Yeah, they're not. Yeah, there's not much they can do about it, all right, three h three seven on three talks seven one three eight two five five. If you have any questions, problems, complaints, give us a call on anything. Today is insurance day, so we are focusing a bit on that, and it's very important. I mean, now more than ever, the landscape is changing. My goodness, gracious now, Brian, what about comparison? Should do anymore?

Yes, I do have a couple here. Let's see.

We see we're asking people to call. You can call it directly to a compass and say hey, I'm on an insurance checkup to get a sampling of what they do. Then they do it even when they're not here. Okay, the Insurancehealthcenter dot com. We invented that how many years ago, Brian? The Insurance Healthcenter dot com? Long ago? And then also three oh three nine nine six nine thousand, which is their main line, And is there an option there for

Okay, these people are with American Family for auto and home right now. They were paying a total of ninety one eighty year for the two nine thousand. That is not that far outside of normal. It looks like the agent that work with them got a quote with auto owners and we're able to add an umbrella policy to that, so they have an extra million dollars of liability and saved them thirty eight seventy two weeks.

Oh my god, you're saving them almost four thousand dollars a year, placing them with a better company and getting them a one million dollar umbrella.

That's it. Holy crap, Holy that's a good one.

Huh oh, that's one of the best I've seen in today's market. People. You know, you're saving four grand if we do the math for a grand mom. I know people are doing it in their heads and they're smarter than me, and so the hell with you. Okay, that's three hundred and thirty three bucks a month.

Bro.

Yeah, that's a call with better coverage. So all right, Yeah, there's another one.

I'll just tell you real quick, No, real quick, tell me. I want to hear them.

Well.

This one was with Country Financial, and they just so happened to be exactly that circumstance we were talking about where they had two hundred and fifty thousand per person for liability five hundred thousand per accident, but they had twenty five to fifty for uninsured motorists. So they saw that on their declaration page, called them we are We got them a quote with a company called Acuity.

I love Acuity.

Good duty is fantastic. They have guaranteed replacement cost on the home, and they have not only the five hundred thousand of uninsured motorst on the auto. We were able to add it to the umbrella and give them another million dollars and we saved them twelve hundred dollars a year.

Okay, cool man. I mean this is right before your eyes people, This is live, This is real stuff. And as I said with the second opinion, you can't lie about that because they have to be able to do it right, you know I people that say, well I can do better than that, well, then do it do better than that. Let me scoot you over here. Okay, three oh three seven one three eight two five five.

Yep. Animal would be comprehensive.

Okay. And I'm mis making notes here and I'm going to be posting something I think to social media for this. Okay. So then medical payments or medpay covers you and your passengers for medical expenses.

Yep.

Really important. And you can buy various what's the most you can buy?

That depends on the carrier. Some only offer ten thousand, some will go up to fifty thousand.

But the good idea is it's immediately available.

Yeah, you can reject it. There's people that don't have any medical payments, but you have to actually sign a form rejecting it with the state in order to get rid of it.

U I am uninsured. Under insured covers pain and suffering for you and your passengers. Now that is in the event they're underinsured or uninsured, and that's important. Coverage. Pain and suffering is not direct medical. Yeah, pain and suffering is hard to define, but they're basically are they non economic losses? Some of them are economic, aren't?

Oh yeah, no, it could be economic. It could be your loss of wages like you can't work anymore, and uh, it's a direct reflection of all that money you're going to lose.

Then a little known, a little known coverage called um property damage. Explain that rin.

Yeah, uninsured murders. Property damage is is not a real common coverage. It's only available if you do not have collision coverage on your vehicle, and it will protect your vehicle if someone hits you that's uninsured. It covers your car, not you. It will protect your car if someone hits you that is uninsured.

Let's talk about various endorsements. What do we mean by that?

So on an autopolicy, and of course on home and other products too, But on the autopolicy, since that's what we're talking about here, you can add endorsements for let's say, rental car reimbursement, and that one has become really important because the cost of renting a car has skyrocketed so and the time to have your car fixed takes so long. A lot of policies will limit the amount of rental

Man.

You got a big job, and it's amazing the small margins you operate on. And I don't mean that as a I mean, you know, let's just say it like it is. I think health insurance and auto insurance and

No?

I just had a quick question on if you have a minor that's turning sixteen and you're ohold, it does not drive, do you have to ensure them?

Well?

Are they license?

No?

But I have heard that. Oh no, I want you to ensure anybody that's of age.

No, if they are not, So there's carriers that if they have a permit, you need to let your agent know so they can add him on as a permit, but most carriers don't even charge for that. There's not a specific charge for having a permitted driver in the household, but the only time you have to actually list them is when they are licensed.

Hey, hey, Brian, what apps if the kid, the teenager decided to, you know, take his parents' car out to run down a circle k or whatever, and he gets into an accident, would they have coverage?

Well, you're saying, like, if they were they weren't licensed.

And they're not. Let's say they were fifteen or sixteen, it doesn't matter.

Yeah, here's where it gets complicated. Your insurance will cover any other operator, whether they're licensed or not, if you get permissive use. The problem is if you're saying, hey, I didn't give this kid permissive use. He stole the car and took.

It, so, but it's your kid, wouldn't you be liable?

You're libel and your insurance would step in and pay for that. You're going to be covered for someone in your household if they're not license, not listed on the policy. That doesn't matter. You're still being liable for it. Your insurance is going to extend.

But they might not cover the vehicle itself if it was destroyed.

No, I think your coverage will extend fully on that. The only only thing I was telling you is sometimes it's not always in your best interest to say your kids stole the car, because permissive use you have to do you.

Have to if you said they stole the car, Why would anyone do that? What's the benefit?

I think? I think the purpose they get mad, they're mad that their kid took their car. I think the point is if you're making a claim, you say my kid took my car and got into an accident, that is a very truthful statement, and your and then your insurance is going to extend for that.

All right. I got to take this break on Tom Martine three h three seven to one three talks seven one three eight two five five Go with a sure thing Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're content than time for an insurance check up, free no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven

Would you please discuss how an insurance company can offer a policy and you pay for it and then they have thirty days to change their mind and can't full you.

Yeah, go ahead, Brian, would let me bring up your camera and stuff. Go ahead?

So yeah, they.

Actually most policies have sixty days.

It's called the contestability. Contestability or what is it called the period?

Contestability period as well is what I look at it. So they do have that ability because a lot of times they'll go and inspect the home. So they're not going to inspect it prior to binding coverage. They're going to offer the terms of the policy. But then there's that contingency in there that says they can go and inspect the home to figure out if there's anything that needs to be changed, if they need to increase the dwelling. But okay, mitigation factors, there's all sorts of things.

Diane, Have you had it happen where you thought you had coverage and then did not? Okay, well I have a good question. Wait a minute, you bring up something really important. Okay, So we're doing these insurance checkups. So what if someone says, okay, I'm going to switch because you can do better, and then they're contested.

Yep, what happens? Then, bro, it absolutely can happen.

And so if well, what happens, here's what my advice is. Usually, Tom, Yes, go ahead, die, Tom.

It did happen.

So I went through this whole thing about a year ago, and did you.

Go through it with compass? Did you go through it with compass? Diane? Okay? And they said they and they said they can get you.

Auto Owners accepted us. And then what they contested was my neighbors lived a mile away.

That was their.

Excuse, your neighbors, what nice.

Homes live a mile away. We have a really nice home. We haven't had any claims in over ten years.

But they what was it about your neighbor that they What was it about your neighbor's coverage? I don't understand. She's in a rural area.

Neighbor's coverage. The neighbor lived over a mile away, and they were worried if there was a fire or something, no one would know.

Is what happen?

There was no other homes in close proximity. Okay, exactly.

Yeah, but generally when I but Tom to give you an idea, So what was the result, I mean, you know, I need to know the result. What was the result.

So this was the result.

So I had all State and so I listened to you and I did the compass, and they got us Auto Owners, and my auto policy was more than all State, but my house was better. So I was like, let's go for it.

So then what happened.

It came back that they declined us after thirty sixty days whatever because the neighbor was too far away. And then I ended up having to go with someone else because Compass couldn't help. And now I had Foremost on the house and safe Co on the vehicles, and I think, what was your net result?

What was your net result as far as your expenses?

I have to pay more now for Foremost, and and I did for all stakes and obviously all the auto owners. Like I said, the auto was a little expensive.

For that house.

Was I got it?

No, I got it, Diane, Listen, this is the first time we ever heard of this. And I assure you there's a big there's a big chunk here.

I just went through this with Brian, and I called up and my renewal was Safeco was going to be X amount higher like everybody else's. He shopped everybody else and basically Safeco was the best. So I went outside and got a bid from State Farm. The State Farm came back a little cheaper, and I send it over to Brian to look at and he goes, yeah, that's just a hairbit better than this, but he goes, here's

Of so you get a full refle Why did we'll do that?

Would do it?

What?

So?

Is that what you do most of the time? Brian, Yeah, hold on, hold on, Diane, just wait a second. I want to make sure this doesn't happen again. So so go ahead. Brian.

Yeah.

So what usually should be the recommendation is exactly what Mark is saying there is I'll tell someone if, especially if it's a fire.

Area or a rural area, do not cancel.

Don't cancel until we know it gets through that inspection period. It sounds like that's not what happened to Diane. So Diane, I'm so sorry you went through that, because that's not that's definitely not what we intend if we're going to find you a better deal, if we don't think it's solid and we think it's an area where you're going to have inspection issues or something else, I'll always tell people, don't cancel your current insurance until we know it goes through.

How often do you think it does happen though.

Oh, we get it for our own customers, especially in this market where like Mark's talking about, the rates are going up and so the renewal rates are going up quite a bit. And will say, well, I found a better deal with X, you know, insurance company, and I'll tell them, don't cancel your insurance until it goes through. And I can't tell you how often.

But then then can you literally then? But but then from the period for the contestability period, are you double insured?

You can always backdate that cancelation. The only thing you'll have to do is provide proof that you had insurance. Okay, your insurance company can backdate that cancelation.

You know, Diane, thank you so much for calling on this. I mean, you know, but wonder to go through.

And now I'm with somebody.

Else now, but it was but to give them give them another chance. I swear to you, give them another chance, and maybe they can they can somehow figure this out what happened and all that. I mean, look at obviously what happened. That it's a weird market right now. It truly is a weird market. And I'm not making excuses, but it really is. And I assure you something happened there where they would have said, you know, hang on

Well, yeah, I mean, if it's outside of our we don't make the old time.

No, of course you don't. But you can say I think you got this wrong though, I mean, or.

We'll bring case to them and say, hey, hold on a second. Here, here's pictures of the property here, and in her case, there's no other homes around. Well, what is the fire risk? What is there mitigation we can do around her property? Is this a second home where you're not there most of the time. I mean, there's all sorts of questions that I obviously don't know Diane's last name right now, so I haven't looked her up to find out what the details of her her problem was.

Do you want him to look it up? Diane?

It was about last year?

March is February March.

And Diane, can you can you let's get your let's get your last name and number off the air and have Brian look at it.

Okay, I'd like to just see what happened.

Man.

Our our sponsors are golden. You know that they would never do anything that ever you cause a problem, and so so just hang on, Kelly, get this to Brian Burns for me.

Thanks.

Three oh three seven one three talk seven one three eight two five five. Hi Tom Martino, you're a troubleshooter. Jim says his brother lost his home in California. Man, am I sorry? And he has a question for Brian. Okay, Jim, what's going on?

Oh?

Yeah, my brother and his wife lost their home in Altadena, California, and it's a total loss. At their age, he's eighty three. They are not rebuilt, so they did have extended replacement cost coverage. Does that apply even though they will not rebuild.

No, most policies, if they have a cash out option, which that is going to be you know, unique to their policy, if that's even an option for them, where if they choose not to rebuild they can just cash out. It's usually limited only to the dwelling limit, so they even if they have the extended replacement cost they won't give that on a cash out basis. Does that make sense?

Yes?

And I assume the same thing is true for building code upgrade insurance, which they had, which won't help them.

I assume, right if you're not rebuilding the house, then they'll they'll most likely cap the amount that they'll pay up to that dwelling limit. Whatever that dwelling limit is.

Right, and they've got additional living expenses. They've got coverage up to one hundred and eighty four thousand dollars with Safegal up to two year limit I believe, right, But expenses comes out of that too. I assume right now they're staying in all.

It does, but before they I would just tell you before they did make that decision to say, hey, we're cashing out, the problem with that could be with that additional living expense. Once the they cash out, they've been paid in full, and I don't know whether that additional

Okay, that's good information, yeah.

Because you can think that the basis of that coverage is to be there while they're rebuilding the home. That's the idea behind additional living expenses. It's to give them money while their home is being rebuilt. And if the insurance company is going to pay out the total value of the home and just say we're not rebuilding, then there's going to be a limitation to that additional living expense.

Okay, anything else, sir?

And do you have any idea of what square foot costs are to rebuild in California at this time?

Oh?

Man, Now you know the problem is going to be it's going to skyrocket unfortunately, just like we saw here in Colorado when the boulderfires occurred. You know what was going to cost, let's say two hundred of square foot went up to four hundred of square foot overnight because there's such a huge demand for contractors and supplies that it's going to go up exponentially from what it would

So I really going to be five or six it's going to be, yeah.

But capped at their policy limit, well.

Not if you have extended replacement costs, but if you cash out, yes, they're not. They're not going to include that extended replacement cost because it's the way the policies are written. That's based off of rebuilding the home. So if they were to rebuild the home and they have fifty extended replacement costs, then their dwelling limit would be extended by that amount.

All right, now, hang on, we'll come back to Greg. I want to mention something. Somebody did message me and I'm so sorry, thank you, sir. And somebody did message me and said, Tom, you said you would personally talk to us about finances or just an overviewer, just if we had questions to pick your brain with no obligation. That's absolutely true, people, absolutely true. And I didn't give out the information on the on the number. I'm going

Yes, yeah, you.

Dropped off your vehicle. You dropped off your vehicle at a wrap Hokia October sixteenth, and you needed a tranny. So it wasn't going out of fourth year. But when they put the training in you still had problems. And it turns out you needed a PCM mark. Do I have that right?

Bro?

Yeah?

But it's way passing and it's to the point can you hear me, yes, sir, Yeah, so it's to the point where it's finished. It turned out it was the transmission, but they're also saying he needed a computer.

I have got a couple messages into the service manager and the dude's just simply not calling back. Okay, so what do we do now?

Car was the car was real quick. The car was done Thursday the night. But then I says, what about the skid plate? Did you put this that that said four by four foot piece of goos underneath.

To the motor? Yeah we get it, yeah, yeah, yeah, yeah, Oh.

We forgot about that. We forgot about that. I'm so apologized. So now they had to order it. They got it in, and they got it.

Where's the old one? Where's the old one?

Uh, the old one was scrapped or whichever.

I don't.

Scrapped. Okay, it was a bad shape, just you know, speed bump.

So, but it did turn out that you needed it did turn out that you did need a transmission.

Yeah, so they put a second transmission.

All right, hold on, all right, hold on, hold on, hold on. We're gonna take this up tomorrow and figure this out. I'm Tom Martino. Don't forget Compass Insurance, free insurance Checkups. Three oh three, nine ninety six nine thousand, three oh three nine nine six, nine thousand, Thanks for being here more tomorrow