The Troubleshooter 1-7-25

Ripped news, need advice? Who you don't have? Come run anxious as fast as we can. Shooter's gonna help me.

Come, man, this is the Troubleshooter Show. No Tom Martinez, Welcome, Welcome to the only show of it's kind. We're here to solve problems, answer questions, take your complaints. My goal and our goal is to make your life a little bit better. You've been ripped off or taking advantage of I want to hear from you. That is what this shows about. I love sinking my teeth into the bad guys, maybe a bad contractor maybe a bad landlord, a bad doctor,

Sleez Brigade dot com.

By the way, Don Ailey, does anybody remember Don Iiley? Don Iiley screwed over not only some of our people, meaning people on referral list and people around the state of Colorado, small businesses. He was an accountant that would file bogus tax returns and basically the business got held, but the business got left hold in the bag. That

He ruined a lot of lives, mark marriages, divorces, suicide, suicides is terrible.

We had one guy own a business ended up blowing his head off after Di Niley destroyed the entire business. So quite frankly, I'm glad he's six feet in the ground.

Good riddance.

Yeah.

We tried to look up what happened, but when you're in a federal prison and you die, it's not exactly easy to find information. So I don't know what else to say. But if anybody out there does know how he died, I'd love to hear it. I would love to hear how that man died. He screwed so many people, He caused deaths, and he destroyed families. So that's it. And there's still ten million dollars missing. I don't know who has it, no idea, but.

Here's what the folks he took money from, they still were left holding the bag, paying not.

Money before he went to court. Oh they're still paying til this day.

That's sad.

I went down there. In fact, on our Facebook page, I went down to his office. This is way pre COVID, and he was the only one in this office. It was like half a floor of a big building. It had to be five thousand square feet, twenty thirty forty offices, big conference room, big reception area, the whole bit. I walked in there not one person in there, and I'm Facebook Live at the time. One guy walks out of one office and the entire thing. It was Don Eiley,

Yeah, I really like that.

I like to he's in the recycling business. He makes problems disappear good. You like that, yeah, okay. And then of course we have Kelly on the other side of the glass and Shannon running the board. We'd love to hear from you three oh three seven to one, three eight, two five five before I go to Clayton he's got a problem with the roofing contractor Clayton. You'll be first, and then Ray has got a question on wills and probate. We might get one of our attorneys on at refralist

Yeah, I'm pretty familiar with it.

I can't wait to dig into that because there's a lot of people out there going see you tell me I have a glass of wine at dinner on Friday. I'm going to die of cancer. I really do want to get into that. But before we dive into that, Hey, what's going on, Clayton, Clayton, you're up, sir?

Hi?

Hey, yes, I do have a problem with a riffing companies. They came in, did my roof would didn't do a good job. When I try to add to repeat on me to redo it, all you want to do is argue with me.

Hey, Clayton, let's start. Let's start with some basics. When was the roof done?

Just roughlyly in July?

So in July you hired these roofers, Like after a hailstorm or was it a cash deal? Why were they there after a healthstorm? Okay, so you had heal damage, you contacted your insurance or a roofer. It got approved, The roofer comes out, they do the roof. Now, when you said you didn't like what was not done or how it was done, get a little more specific for me, like when they were finished or thought they were finished. What was wrong with it?

It looked like it was an old job though, what does that mean? One of the one of the employees, he told me that the shingles was old, but he said, so that he don't.

Get in trouble.

He said, if I bring that up to his boss, he would not.

Wait a second, agreed. I'm trying to understand what you're saying. So tell me if I've got this right. One of the subcontractors, or I assume is the sub someone that was working on your roof, said that the shingles were old. When you say old, you mean they were still new, but they were old, or you saying they were using like used shingles.

He didn't say pacific. Only thing he What he did is he came and replaced a couple of with like five shingles, and he said that those shingles were not too good.

Oh wait a second, wait a second, I'm sorry. I I thought the entire claim would cover the whole roof. Was it just a small section of the roof?

No, No, they covered the whole roof. They did the whole room.

So wait a minute, and what do you mean by he put a few on there that looked old? I don't get that.

Uh So what he did was when I told him that the shingles wasn't right.

And so wait wait wait, Clayton, Clayton, I'm sorry, to keep interrupting, but I really got to understand. So when you looked up when the roof was done, and you're telling me it's not right, what do you mean by that it was the wrong color? They looked old? What when you said they're not right? What did you mean.

It was the right color?

But what happened is it looked like.

The tip of it was like.

It.

It looked like the chinger would be in there for a long time. I mean it was like the lift up. It would kind of like up. And he said, that's the way the chingo's supposed to look and supposed to give it the old look instead of a new.

It's supposed to That's really what he said. It's supposed to give an old look instead of a new look.

That's exactly what he told me.

What was this company called? Who was it?

Robin Hood Roofing?

In What area are you at?

I mean Denver, the Mombella area.

Okay, hold on a second, let me get on hold. I got to take this break. I'm going to come back to you right after this. Ray Hold on two lines open three seven, one, three eight, two five five, and Kelly, I would like you to get Jay brats On or Henry brats I would appreciate that. Everybody, hold tight. We're gonna get to the bottom of this. I mean, I've never heard of this. You've had some roofing experience, doctor Joel, You've you know, in your past. I mean,

That seems ridiculous.

I've never heard anything like it. Hold on, man, there is a lot.

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 seven to one help. You'll think you're his only customer when you choose Frank Durant, the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two.

Going on in the news. By the way, we're going to dig into some of it, but right now we're trying to get one of our roofing companies on. But I don't care what anybody says. Kelly, did you try to reach out to those guys?

They haven't responded yet, but I'm working on it.

We should hear back the other one. Let's try down in Colorado Springs. Who are our friends down there, Suzanne? But trolley? But what's his name? I like, yeah, see if we can get O'Malley on. He's a great roofer down in the Springs, really good people. But here's the deal. If you're just joining this. Clayton hired Robin Hood roofing. These guys came out, did the roof. He looks up at it and the roof just simply doesn't look good to you, right, Clayton.

Right, that's correct.

And the guy says, he's saying.

That that they tore it a siding off the house.

Yeah, if he placed it with the two by four, they call it good.

Well, So right now, if you said you a picture, I mean, the side of your house is a two by four, that's hard to believe.

If you that you would come and see it, you'll see I couldn't. I was like, why didn't you just put a regular sighting. But he just put a two by four on the side in two areas and then didn't even paint it.

This doesn't wait a minute, Clayton. Sometimes I get calls where I just start scratching my head. First of all, you're telling me this roofing company, Robinhood Roofing, they came out, they did the roof. You look up on it, and some of the shingles, for lack of a better word, look old. They're curling up, they look like they've been

Right after the manager told me that.

So then after wait a minute, then after the manager tells you these shingles are made to look old, and these are just assphold shingles like most roofs.

Right yeah.

So after you bring that up, not only does he tell you that, but then you point out where some siding was on your house. Is this a house or is this like a barn? So on the siding, they remove the siding when they were doing the roof or doing some other work, and they replaced it with just wood that they didn't even paint correct. This is crazy. Does anybody in this room believe this? I mean, I'm not calling you a liar by any means, Clayton, I

We never seen the instruction on paper.

You've never seen it at all. Do you know if they pulled a permit? Did you see a permit on your house?

They never did a permit either, So there.

Was never a permit anywhere on your house, like on the garage door or post it anywhere?

Oh? Nothing?

How much did the insurance company pay them, guys? Eighteen eighteen thousand? Hold on, this is crazy. You know I've been wanting something to go after. This is driving me nuts, Kelly. I'm gonna leave them on hold, please, like right now, try to figure out. Get one of them on. Let's see if these guys come on this Robin Hood. I mean, this is this is absolutely insane. Hey, Ray, what's going on with you? It looks like you got a question on a will?

Yeah, I just need to know what kind of advice what to follow. My mom died a couple of weeks ago. She had a will, complete will or whatever thing she wanted to done. She has no real estate, it's just a little bit of cash. It's around one hundred thousand, so I guess that's the amount has to go through probate before it's dispersed.

So in the will everything's left to you. I'm asking you that. Or do you have siblings? How does that look.

If divided among the siblings?

And how many are there? Yeah, I don't think there's a way to get out of probate. And on the bank account itself, no one was listed after her if if she met her demise like she did.

No, huhh, it's the bank. Most of your money's in Nebraska. But she lived in Colorado, but she moved for Nebraska and just left her money there. So that's but it's just in her name.

It's just in her name, one hundred percent. I wonder why she didn't list a beneficiary I I want to get I don't think really there's much to do. You got to go into probate. Who's in charge of the will? Who did she list?

My brother? Then my sister's next in mine if he doesn't do it well, and.

Are they simply not doing it? Why are you making the call today? And I'm going to get Brad O'Brien on or I'm sorry, I'm going to get mackenzie on to talk about it.

My brother's gone overwhelmed. He don't know what to do, he said, he just wants to give it to the lawyer and handle I. So if you do that, the money's going to be gone.

It's not you know, well, I don't know about that necessarily. I'm not exactly sure how much that would cost. But what I would like to do is we'll get Dan McKenzie on. Hold on, I'm going to get one of our experts on. We're going to get Dan McKenzie and ask them. Not only that, we're going to kind of ask him how much to go through probate with a with an attorney and what are the other options. Let's

It's made up.

Yeah, it's crazy. Anyhow, I digress. Here's the bottom line. I went on it. I started it Wednesday, last Wednesday. And what it is and I'll have you explain it. In fact, you explain what it is first.

Well, what it's called is a GLP one. A lot of people have probably heard that term GLP one medication, which stands for glucagon like protein and all that is. Glucagon. Protein is a protein your body makes when you have enough food, when you feel hungry.

So, the best way that I can describe it, now that I'm on it, everybody out there has sat down and had more than they can chew. They've had a big Thanksgiving dinner, they ate too many slices of pizza. They ate the pizza then followed it up with a bag of the ritos. Whatever it is, you're too freaking full, and your stomach tells your brain you can't get another bite in. I mean literally, you feel so full it's crazy. It's like after Thanksgiving dinner. What I have noticed about this?

You call it, Well, you're on our standard starter dose, so.

That's the standard. It's crazy. What do you make of that? I mean, if you heard that kind of outcome before, Uh, we have.

Actually, you know, everybody responds a little bit differently, but generally speaking, people lose weight pretty quickly, sometimes remarkable. Sometimes it's a couple of weeks. I mean with you, it's it's a week. It's amazing. Uh, but we've seen it's not unheard of.

It's crazy. You don't. I can't even explain it to my wife. I can't even explain it to her. It's like, I don't feel hungry. You know, generally you get hungry and you start thinking of food. Those thoughts are literally wiped out. I mean, I just don't feel hungry anymore. I can't believe it, but I want them inside effects. I really haven't had any side.

Was forcing yourself to eat, Mark, I mean, really you have. That's what I've noticed.

I literally had last night we got home. We did yoga after the show, like between three and four. We get home. I hadn't eaten all day, and I literally forced myself to eat maybe uh maybe a quarter pound of some kind of chicken. That's that's what I ate, and then a handful of pistachios. And when I was done with the pistachios, I was like, I overdid it. I can't believe it. I overdid it. I ate like calorie wise, we're talking like three for hundred calories. There's

Man?

Very good?

Very good.

So we've got a question. I want to bring Ray up. But Ray had a pretty basic question. His mom passed away, I think a couple of weeks ago. Is that correct, Ray, Yes, sir, his all she had was cash in the bank, and for whatever reason, there was no beneficiary. But I want to ask you about that after the fact end. But what does he have to First of all, he does have to go through probate, is that correct?

Yeah, she's got more than eighty two thousand bucks, and you know, I'm sure she has some personal property too, but just that cash in the bank is more than eighty two thousands, So yes.

So there it is. And then if it's real estate, just for other people listening, my understanding is it doesn't matter if the piece of property or the parcel is only worth fifteen thousand, it pretty much if it's not in a trust or something like that, it pretty much has to go through probate as well.

Correct.

Okay, Now his main question is the person in charge of the will, is that your brother or sister. Ray brother has no idea what they're doing. He has too many things on his mind. He's not doing anything and he doesn't know what to do. So you know, kind of pick it up from there. I guess that's really the question is there something Ray he can do. He's afraid if they hire an attorney, you know, it's going to wipe out all the money. Just give me your thoughts, Dan, I.

Mean, that would be a lot of money to wipe out.

I mean, I think you know.

Unfortunately, there is only one probate process, whether we're dealing with ten million or one hundred thousand, So you've still got to run the credit or notifications.

You still got to do.

You know a couple things and inventory and stuff like that, but it probably would be relatively straightforward. So you know, you're probably looking in the five to ten thousand range should do a probate typically that is uncontested and relatively straightforward, honest, say with attorneycy.

So that might be too much.

I understand.

You can go out there. The courts actually do have a lot of self help resources for people who are trying to do probates. Your brother, even if he is nominated in the will, can renounce that position. He does not have to do it if he's if he understands

Could you brother elect anybody he wants or can the other people listed in the will say no, no, no, we don't want that person.

Well, if so, it depends on if so, there's a priority in the in the Colorado Statutes for who gets to be appointed. If multiple people apply at the same time, and if obviously they're all brothers and sisters are going to have the same level of priority. So if they cannot agree with each other on who should do it, then yeah, there's going to be a court hearing and the court will need to decide which one to appoint.

And then the court word points out.

And what was that again, JDF.

What uh Colorado Probate instructions put some combination in Colorado AP probate instructions JBF, got it.

And that'll be the actually document on it.

Yeah, and then it's there's a bunch of JDF forms the US fill out yep.

And then how much do you think? Roughly? And I hate putting you on the spot with pricing, but honestly, if no one was contesting everything and it was a straightforward I realize you got to list everything in the paper to make sure you know different creditors don't come forward. I mean if everything went smooth, I mean, how many

Yeah.

Yeah, I mean, I think you've made the point there that you know, you never know if something got to shop and contest something. It sounds like there is they will and no one's I mean it said there's one account and it probably gets split equally to gain of siblings. You know, Yeah, you're right on the ballpark there. You know, probably five to ten thousand bucks depending on how they charge without any context.

So Ray, what are you just listening to Dan and what he said so far? There's a couple options here. One, if your brother doesn't want to do it, he can basically step down and say, well he can say, Ray can do it, but you're going to have to go through the court. We've told you what to google, and you can fill out that paperwork and file it and that's probably not that big of a deal. But then you could go in there and figure out how to do this all yourself. But man, that sounds crazy, whereas

No, there's no fighting. She laid everything out what she wanted done.

And everybody respects it.

Yeah.

So there's a couple of ways.

Man.

One you call Dan McKenzie. To be honest, that's what I would do. I wouldn't even think twice about it. I mean he's talking if everything's good, I mean smooth sailing. You're looking at five grand, possibly you know, ten grand, but somewhere around there, and it's done. It's over the money. You'll be in everybody's bank account and more importantly, it'll be done right. You'll make sure you guys split that

Yeah, that's the big risk that people overlook. And the family's getting along there just about the family, but the probate process is about paying anybody who thinks your mother owed them money as well. And you know there could be a medical dout there from like a wall. You know, you just don't know. And it's like if you distribute the money prematurely, March point is exactly right, like you, they can come back and now you've got personal liability because you didn't do it correctly.

Yeah.

So I mean, Ray, it's worth I know people don't like hearing this. You're talking five or ten percent of the inheritance in this case, but it's well worth it, man, because the last thing you want is someone coming after your assets because you didn't do something right. It's just crazy, man. So Ray, I'm going to give you Dan's number. You ready. It's so easy, it's crazy. Eight three three co plans eight three three co plans. What I would do is talk to your brother, talk to your other siblings and

Okay, I appreciate that you got it, man.

I appreciate your call. Hey, Dan, I appreciate you coming on as always. Man, have a good New Year's anybody out there. I mean, you do everything simple. I say a simple trust. I would assume there's something you know what there are what I would refer to as a simple trust, because I know there's very complicated trust. So you can do either or you can also do a simple will you can do it all. I mean that's the bottom line, right, Yeah, we do.

We don't put everyone in the same plan. We don't put everyone in trust frankly, so yes, there are simple plans that does happen sometimes.

Yep.

I absolutely love it. And people can call you up and you'll do generally speaking, they'll tell you what's going on, what they want done, and you're going to tell them how much, in other words, flat rate pricing. They're not going to be surprised at the end. Right, I love it. Thank you, Dan, and you can find Dan McKenzie at referral list dot com. Now we're still trying to get one of our roofers on. That's driving me nuts. Three oh three seven one three eight two five five. We've

Oh I did?

Oh wait, wait, don't tell me now, tell me tell me after this.

Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're contenth time for an insurance checkup free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three O 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 three nine two zero sixteen twenty two.

Oh man, we finally got a roofing expert on. But you know, uh, it's no longer going to be the Golf of Mexico. Did you guys know that I was just reading a Trump's newest.

Sounds like you're getting a kick out of it much.

I love it. I know there's people out there pulling their hair out going he can't do that. I don't know why he can't. But they're to rename the Golf of Mexico. Ready for this, the Golf of Trump. No, I'm kidding, I'm kidding, Golf of America. I love it. He really said that today we're gonna buy Greenland? Right, aren't we trying to purchase Greenland?

Yeah?

His son is over there, and I assume he brought this checkbook.

I assume so. And I doubt Greenland costs that much these days. I don't know what'd we buy Alaska for someone? It was crazy. We bought it from Russia for you know, almost nothing.

Now.

Granted, back then it was nothing. You couldn't drill. You couldn't back then, you had no idea. The value is what I'm saying.

Oh yeah, oil wasn't nearly as valuable back then. But no, got a really good deal on Manhattan if I remember.

Oh yeah, I'm sure Russia's spanking themselves over that one. Hey, Michael O'Malley, he is on a referral list. A referral list that Commy's one of the owners of Petrolley Roofing. First of all, Happy New Year.

Yes, yes, do you want me to give you an update on Robin Hood?

I don't quite yet. Okay, I don't quite yet. So Michael O'Malley, First of all, have you ever heard of Robinhood roofing? I haven't. Okay, So they told this guy, listen to this. This is the craziest thing I've ever heard. Here's the problem. I'm gonna run out of time because I'm a blabbermouth. But here's the deal. We've already talked to him. We're we're gonna go to Kelly and figure out what they had to say. But according to Clayton, the caller, here's what they told him. They came out.

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 all 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 all three nine two zero sixteen twenty two.

Yeah, ripped.

News need so you don't.

Have to.

Come runs as you can. Shooter's gonna help.

Come man, this is.

The Troubleshooter Show Now, Tom Martinez, welcome.

My friends, Welcome to the only show of it'skan. We're here to soelve problems, answer your questions, take complaints. I've got a few things I want to talk about as the show moves on. But right now, I've got one of our experts up, so we're going to go to him in a second. But this hour is brought to you by Paul Doubting. We call him Paul the water Man. In fact, if you Google listen to this, google Paul the water Man podcast and you can find his podcast.

What?

What do you think? He means? He says, you look at him and basically they're curling up. In fact, I'm gonna let him speak, Clayton, they're curling up. Kind of describe what the shingles look like.

It's like in an angle. It'll not splits down on regular like the regular roof did.

So they're sticking up.

When did it get installed, Oh my god, installed or was it.

They were installed in July?

Oh yeah, and there's still that way like it sometimes in cold weather that happens, just it takes time for the singles to settle down. But you know it's in July. If they're installed and they still haven't settled down, you've got a problem.

So what what what?

What does that mean? Though? Why would they do that? Is it a manufacturing defect?

Well, and I don't know this company, and I hate to I hate to speak against any company. You know, contractors work hard, sure, but some contractors do, uh, they do use what's called factory seconds.

Uh.

They get them cheaper and they install it, which increases their margins. I'm not saying that's what this company did by any means, but you know, you can buy seconds, you can buy factory discuss.

How would you tell or or you.

Can well, sometimes you tell by the install right if if the shingle isn't doing what it's supposed to do, I definitely have specific some suspicions there. The the other thing is sometimes you know, contractors buy bulk orders of of shingles and they sit around and they just sit in their own warehouse. They weren't seconds, They just they

I Clayton, do you have any pictures you can send us? Yeah, yes, and explain that part.

Happy to do an inspection for it too. Mark like to come out and that it's it's so hard to give uh, to give information on you know, just just a story. But I'd love to go out and do an inspection. We wouldn't do any work because I don't want to wark void any kind of warranty. But yeah, what did what did Robin Hood say?

Did Yeah, Clayton, tell them what Robin Hood said?

What do you said? The shingle? They give it that? Oh look like three d's.

Yeah. See, that's why I can't stand these If they actually said that, that's the dumbest thing I've heard.

Mark.

What did they tell Kelly? We haven't asked her yet.

Okay, Kelly called up. Let's hear right now, Kelly, you called up Robin Hood and what did they tell you? Just put Yeah, she's coming on, hold on, No, I'm dying to know what they told.

Yeah, here's the story.

I called, and that Dave, the.

Gentleman that they were working with, answered.

I identified myself, and as soon as I got you, Hi, my name's Kelly. I'm calling from the Tom Martino Troubleshooter Show. Click dial tone, So I figured, I figured maybe we got cut off, so I called back, of course, and then he called. He literally answered and then dial tone. So then he called the station and his number is on caller. I d right now, supposedly to verify I was actually, you know, the Tom Martino Show. And as soon as I answered, the phone dial tone. So then

On you, correct, And then I called him a fourth time.

I called him a fourth time because he called us, so he never answered and his mailbox is full.

Oh my god. You know, listen, no one, no one needs to answer the phone or to come on air and talk about things, but to hang up on this four times is absurd. And Clayton, you can't get him to do anything besides tell you your roof is supposed to look old. And just to make sure I'm not crazy, Michael O'Malley, have you ever heard of a assphalt shingle that's supposed to make your roof look old.

No, No, that's Can you imagine saying eighteen thousand dollars for a product to be like? Is it Rick Jeans?

Exactly?

That's basically what I said. You know what, what is this jerk's name?

And you know what?

That is my opinion?

What is it?

Dave?

What the hell was the guy's name, Kelly? Does anybody remember what she said?

Dave?

Dave?

So Dave? And what phone number? You know what, let's blow Dave up. We've got a lot of listeners out there. I would like people to call up and be nice. That's number one. You have to be nice and you simply say, hey, Dave, are you the one that told Clayton is rufe is supposed to look old? Are you the one that said that? And if so, exactly what kind of shingle is that that is supposed to make your house look old? I would love for people to do that. Then call us up because this guy's a jerk.

Absolutely, I'm sure will this is some snow if you don't mind. I'm not a fan of rufe and snow.

Come on, no, I'm kidding.

I know, I know.

I would do it.

But hey, Michael, hold on one second. I want you to hold on. Over the break, I'm gonna let Dmitri ask whatever he wanted, but I also want you to hold on because we have another call that might come into effect for you. Dmitri, go ahead. What were you going to say?

Hey, Michael, I was wondering if you have a way to find out if if Robin Hood first of all, was a licensed roofing contractor in Clayton's jurisdiction.

Also if he pulled a permit.

If notches Yeah, yeah, they might be. Uh it looks like they're They've got a website, they've got a Facebook page, so it's not like they're It doesn't seem like they're fly by night. But it might be somebody else with that doesn't think.

That's no guarantee that they're actually licensed to do the work. They pulled a permit, that's those are my questions.

The first thing I would like you to do is pull the permit. Here's what I want to do, Clayton, I want you to give Kelly offline your address. We're gonna set you up with Michael to get him to come out and look at this and do an inspection. And he's also going to find out if they pulled a permit. But Michael, nothing has changed. When there's a permit pulled, it's usually on your front door, on your garage somewhere where it's posted. Sure, and there simply wasn't. Clayton never had one at all.

Yeah, yeah, so I will. But you know, like and again, I'm maybe too generous with contractors. But the uh, it could be somebody else was just hijacking the name. It's not even the real Robin Well.

Wait, listen, we don't know what it is. But what I do know, Hey, Kelly, did you call the number on their website?

I did not.

I just called the number that Clayton gave me.

I want to see. I'm going to take a break hold on and then if you would hold on, Michael, I'd appreciate that because we might have another question for you. But bottom line is, let's make sure it's the same Robin Hood because that's a valid opinion. Michael just said, and I'll tell you why because in the past people have used Excel Roofing, one of our members on the referral list here in Denver, they have used Excel's name and it wasn't ell. They simply try to piggyback off

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. Pay too much your coverage at dozens of insurance companies find out now three O 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.

All right, three O three seven one three A two five five Robinhood roofs dot com, Kelly, did we figure out if that's the same phone number you dialed? Sometimes sometimes my head's going to explode. We're gonna We're just gonna have a meeting later. I don't know how else to put it. I think I'm pretty cool, right am? I pretty cool? You're cool? I mean, what am I going to say here? I'm trying to do. It's called a live show. Three O three seven one three A

High?

Hey, Sandy, so.

COVID, whom do you endorse? Put some cridit guards on my some they took off my ruin.

I'm sorry, pro Bid pro Bid Energy, the solar company.

Yeah, the third company. They took off my ruined hail, messed up tritter guards and put new ones on. And the insurance company safe Go said they used to cover them all the time, and all of a sudden now they don't ever cover them. They say they can be reused Brett and Mark were mad. They said, no, there's no way we can reuse those, and they refused to pay. Safe refuses to pay.

Safeg refuses to pay. How much are we talking for the critter guards? And why can't they be reused? If you look at them, I mean when you take them off or they destroyed.

Or what they were destroyed, there's pictures of them bent up before.

Who were you dealing with it, pro Bid? Are you dealing with Mark? Who were you dealing with?

Yeah? Mark?

Mark?

Well here's what since that?

That SAFEGO guy a big long email, and you're not he could never be.

Reused And they're simply saying that.

They're saying, nope, they can be reused.

Well, I would you know what I would do, I'd stick it to them. And what I mean by that was safe Co. I would actually call up a public adjuster. I'd call up Matt. I wouldn't even think twice about it. I just dealt with SAFEC and I'm going to tell you something, Sandy, and I'm not kidding. There is no exaggeration nothing. We had some hail damage. Safeco came out and said, Nope, we're not going to do anything. I got Matt involved. I'm going to get fifty thousand dollars.

Mark, I have a lot more background in this story than we just heard from Sam. Oh please on September twentieth, and Tom assigned this case to me. The genesis of her call was the fact was had nothing to do with hail damage. She had a company called best Way approximately seven years ago installed and Sandy, please correct me. I'm going from no they installed. I'm going from memory, Sandy, so please correct me if I'm wrong. They installed solar

It's a steal.

It's like a chicken wire that they bend into shape. They installed around the solar array to keep the squirrels of there and other animals geta got getting in there. Now, what happened in Sandy's case is squirrels got in there and shoot the wiring. And if I remember this right, initially they caused about six and a half thousand dollars

Now I spoke with both.

Now, when you say best way, where do they come into this.

They're the original installation contractor. They stild the solar panels and the mesh which they call critter guards.

Okay, so they're not the best way that I know on referral.

Well, in Tom's notes, I'm looking at the call from last January says it.

Was three grand granded dammage.

January.

She called back and had a solar system installed by Best Way Mechanical. She paid an extra seven fifty for critter cards, but squirrels got under it and did three thousand dollars in damage to the solar system.

That's Tom's exact notes.

So that was from a year ago.

I got involved in this case when she called us again on September twentieth, and that's so that's that's the story that I'm relating to you.

And I talked, okay, okay, go ahead, Sandy.

So here's here's the story up to date. Provid I said I can't get the best way to come out, La la la, these uh, these solar panels need to be repaired.

The squirrels got to them.

So Mark Mark talk to his boss and they finally came out and they did. They found that they had a general contractor come out. Yep, your roof needs to be redone.

So wait, wait, wait those airrel Yeah, they found hail damage.

That's related to the damage.

Hail damage on my roof. Okay, Mark and Brett took my solar panels and critter guards off so they could redo the roof. They repaired what they could, and I understand that. I'm I'm I'm responsible for anything that the squirrel did on those panels.

It's in my policy.

So I bought from Marandy. I'm sorry everybody, everybody involved in this. Right now, I've got to understand something basic. You first said they approved six thousand or three thousand. Did your insurance companies say yes to that?

Okay, that my insurance company pay is paying for I'm got to check. Yet, they're paying for the roof and for the the panels to be taken off and.

Put back on.

So all they're doing is the hail claim. It has nothing to do with the squirrels.

Correct, And I actually read Sandy's insurance policy and it does exclude rodent.

That's fine. But if she has here, here's what I'm doing. I'm just getting ready to pull my hair out here. Hold on, I'm going to put her on hold. So I'm just going to talk to you, Dimitri. So the only thing they're going to pay is the hail claim. That's correct, okay, but on her roof as solar panels, and there was some kind of critter guard regardless.

So in addition to the to the hill claim, the insurance company paid to remove the solar of course they did, and they'll also paid to reinstall them. However, they decline to cover the rodent damage.

Perfect, now hold but now hold on, Sandy? Is that is that everything? They're just not paying for that part.

Right, And they're claiming and how I don't care.

What they're claiming. They're just not paying to reinstall chicken wire? Is that correct.

As not paying for the damage the squirrels.

Caused the damage to the solar panels. Yes, but that's in the policy, you said.

Yes, And Sandy said in her last email to me, she said that the total damage now between the replacement and repairs comes through like thirteen and a half thousand dollars.

I believe that's her claim.

Right, Sandy, I don't have the exact number.

I gotta take a break. I'm going to talk to her offline because I've got audiences out there driving into trees at this point. If I don't understand what she's saying, my god, who who does? I honestly don't get it, Sandy. I'm going to talk to you after I do these live spots. But here's the bottom line. Here's what I need to know. I mean, what are we going after? Are we going after Safeco? Am I going after pro Bit?

That, right, I read that in the policy.

So then why does she think that we're gonna be able to get safecoat to pay for that?

I'm not sure.

I'm really frankly, I'm it would be great to get Sandy to kind of encapsulate the reason for today's fall.

Ye do that?

Sandy? Please put together your thoughts on exactly why you're calling. If Dmitri already read the policy and pointed out that critter damage isn't covered. What is today's call for? I simply don't understand.

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. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies out now three all 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 all three nine two zero sixteen twenty two.

A fine three oh three seven one three eight two five five. We do have one line open. By the way, I want to tell you about eight eight heating dot Com. These guys are absolutely a wonderful company. You have any problems with that furnace right now, because we're going into a cold stretch, I want you to call eight eight eight heating dot com. These guys come out. They're not going to try to force you into buying a new unit. If you have an older unit. They literally will give

Okay? The issue that I had with the k Meetria in the past has nothing to do with what's going on today. It also has nothing to do with squirrels. It's the fact that the hail repped the cridit guards and so Mark and Brett put new ones on, and the insurance companies claiming that they could have been reused and Mark and Brett say no way, they were ruined.

Okay, can we get Matt from Paragon on hold? On a second, I'm gonna put you on hold. Sandy, now I know who to ask about this. I would assume and tell me if I'm crazy, I said this to her already, I would call Matt with Paragon. Did I not say that? Or did I?

You certainly did.

So let's get mad on and get his first blush at Sandy's situation. I don't understand when they say reused. Do we ever look at any pictures of this? Dmitri?

Yeah, I have photos of the credit guard? If Sandy, how much will it cost? How much did it cost you to replace and reinstall the credit guards?

Twelve hundred?

All right, so it's an additional twelve hundred. I mean that's a lot of Honestly, it's a lot of work for that twelve hundred. Did you pay pro bid that money?

No?

I haven't gotten a check from the insurance, so I haven't paid anything.

Okay, who did the actual roof? Did I understand that pro bid removed the solar panels? Who the roof?

Oh?

Shoot, I can't remember. It's three it's one that mark recommended.

Did they get paid already? Yes, okay, so everybody's been paid except for pro bid in the twelve hundred dollars for the career guard. All right, I understand hold on three oh three seven one, three eight two five five. We're gonna we're gonna get that figured out. We're gonna see if we can get mad on. Matt's a public adjuster. Basically, once an insurance company says you have damage and they agree to fault and they they kind of approve your claim.

Yeah, I still have a public adjusting license.

You still do, so listen to this, Sandy. Yeah, well you've been listening to this call. But the bottom line is the insurance company, Safego approved the roof, okay, and they had solar panels, they had to remove the solar panels. They paid for that. Around the solar panels. Whoever installed the solar panels in the first place put up, for lack of a better word, chicken wire around them so the critters couldn't get up there and chew all the

First opinion is that the the the rodent protectors. Is that what we're going to call them the.

Chicken wire they call them critter guards.

That the critter guards when they were when that was removed as part of the whole roof removal. Uh, that that should be replaced if it can't be reused period.

Yeah. And so the insurance company is saying, no, we're not going to pay it. That contractor should have reused it.

Well, they just need to take pictures of it and send it to the insurance company.

And they're claiming they did, Sandy, am I correct in that mark over it? They've got them, they have pictures, they.

Have everything, and they're saying there can they can be And why is the contractor saying that they can't be reused?

Yeah?

Good question.

Are they just too damaged?

Sandy? Why what if they were damaged?

They were damaged by by hail? They were damaged, Sandy.

I can't, I can't enter into an argument that hail damaged chicken wire. How did they how did hal damaged chicken wire?

Invented vent it out?

Okay, fair enough, I mean if that's the case, then they should cover it. They should cover it now when they don't cover something like this, but they already said, yes, we're going to accept the claim.

Your next step is what hire a public adjust.

Hire a public adjuster, Okay, and they get paid. Here's the problem though, Doc, Look, I know you own that business, but I'm going to tell everybody out there there's one problem with I mean good public adjusters. There's bad ones, but you're a good one. Matt's a good one. I'm talking about good ones. My goodness, twelve hundred bucks. What does that claim mean to you? That means what one hundred and twenty dollars?

Right?

Think about that? One hundred and twenty dollars to deal with an insurance company for how many hours? Think about this over twelve hundred.

Bucks worth the time?

Not worth the time. You'll lose money, I would argue, it's the you would literally lose money. And that's the problem.

That's, unfortunately why they deny a lot of even entire roof clams.

So, Sandy, what safe Co is doing is basically just putting the screws to you because they know you're not going to be able to get a public adjuster unless if it was simply done out of the kindness of their heart. Because it's going to cost them more money to actually deal with this. They generally make ten percent, maybe twenty percent. But you're still talking driving out to your house meeting with the adjuster. I mean you're talking hours upon hours. So honestly, I think it's going to

She can keep asking to speak to a supervisor, keep pushing the issue with them. Sometimes I got an idea.

I got an idea, Kelly, do me a favor. Let's get Brian on with Compass Insurance, hold on Sandy. I got one more. I got someone that can make a direct call the claims department, the back line for insurance suggestions from or to Safeco. I want to ask Brian or one of those guys about it. Maybe just the right person on her behalf, without having to enter into an agreement, can make a call. You think that's possible.

I would recommend something else. I would recommend that you file a complaint with the Department of Insurance at Dora. We're going to talk about because then they have to respond.

We're going to talk about that whole one.

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 checkup free no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven

All right, three O three seven one three A two five five uh three oh three Martino, We're gonna be diving into stuff next hour. But we've got a lot going on. I got some news on Clayton and that roofing. I'm sure it is that company. It is Robinhood Roofing. And the website is I think, uh, what was it Robinhood Roofs dot com or roof I forget, it's one of the two. And then that's it. They have the actual business card and let me just I want to I do want to clean this up right now. Clayton.

Correct?

And that's the phone number you gave to Kelly, right, and what is what is that phone number for robin Hood roofing. I'm getting it right now, Yeah, get it, have her get it, because here's what I want. I want our listeners to get them a call, honest to goodness, I do. I want you to be nice. But these people, in my opinion, got totally screwed. The roof looks old. We're going to have one of our inspectors go out.

Yeah, that's what they did.

And what's that phone number for these guys at Robin Hood Roofing, Because I'll tell you what, Robin Hood Roofing, I'm gonna start doing commercials for you all the time. If you're not going to get dis handled, we're going to send an expert out, so hopefully we hear from you. And why you would hang up on Kelly four times? I can't even imagine. She didn't even say what she was calling about. Maybe they're used to it, Maybe they're used to people calling up with issues. What is that phone number?

Seven two zero.

Seven two zero seven zero four nine three four or five?

And Kelly, that is the number we called, right?

Correct?

Seven two zero seven oh four nine three four five?

Correct?

Yeah, Kelly just said correct, yep. And I'll tell you what. Hold on, guys, we're going to free you up, make sure we have all their information, and we're gonna get him with our folks over at Petrolley Roofing. As soon as the snow's gone, they're gonna get over there and look at this roof. We're going to try to figure out what's going on. We're gonna see if the shingles are old or sad, or if the job was done lousy.

Yeah?

You know, I've heard of decorating your house to have that lived in look. Yeah, But putting on a roof that looks like a used roof, yes, new to me.

It's like putting on a sweatshirt with a spaghetti stain on it. And for these jerks to actually say it is amazing. You know what, robin hood roofing. In my opinion, according to all the information I have, and we tried to reach out to you listen to this, not once, not twice, not three times, but four times, robin hood roofing. We wanted to reach out just to see what you had to say about it. All you do is hang up. That's all you do is hang up. It wasn't even

There not 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 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.

Rips so you don't have run as fast as we can.

Shooter's gonna help come.

This is the Troubleshooter Show.

Oh no, Tom Martinez, Welcome, Welcome to the show.

The only show of It's kind of here to self problems, answer questions, take complaints. I guess part of the goal in life is to rile me up no matter what. I can't stand bad contractors and I'm getting sick and tired of it. The newest one on my crap list is this Robin Hood Roofing. I'm just steaming about it. You know, this poor guy they call them up back in July they get a new roof. The roof looks

It's beyond the beyonds mark.

It's beyond the beyonds now. I got to go to Brian Burns. Brian Burns, he's on a referral list Compass Insurance. Brian, I got you on for of course, a totally different call. But here's the bottom line. Happy New Year, sir. How you been doing, man?

Happy New Year's you guys as well. Oh, I was just hearing about this really cool designer sweater you.

Yeah, and the designer roof. Can you imagine you pay eighteen thousand dollars for a roof and when it looks like crap, they tell you, oh, it's designed to look that way.

It's like those jeans that have a hole in that.

Let me tell you, Suzanne. But okay, encourage a little side notes Suzanne potted a pair of Jeens years ago that had holes in them. They were like one hundred and fifty bucks. I almost fainted. So, but here's the deal. I want to ask you something. Safeco safe Co is refusing to pay for these critter guards. I think I kind of explained it, but I got to recap because it's a new hour. But bottom line is she had roof damage. They agreed they would pay for the hail damage.

Out of TRIOSTI just I had asked if this was the case.

Is this our?

Is this a customer of Compass?

Sandy? Who did you get safe go through?

It's Trailstone?

Okay?

No, now hold on, No. Brian brought up a great point there that I don't even know if he brought up. So when you call up who is it Trailstone?

Yeah, Trailstone?

Why aren't they fighting for you? Should they be? Oh my god?

Here's the point is I won't have access to it. I don't mind calling them, but they won't legally be able to have a conversation with me about her policy unless you wants to sign something giving them permission but her agent should be able to call and at least get more details about what the rationale is here. What is it they're saying.

They're saying they can know. I'll tell you what they're saying. They're saying the contractors should reuse the old chicken wire.

But if the contractor is able to provide proof that that's no longer possible.

They have, and they still refuse. They sent pictures, They've done everything, and they still refuse. And here's what I hate about this call. We're going on a year without getting this handled. I just want to get it handled. But Brian, let me revisit with Sandy real quick. Sandy, when you call up Timberline or whoever you what's the name of it again, your insurance people, Trailstone, Trailstone. Have you told them, hey, you help me get paid or anything?

No?

I just didn't know that that was a route.

Well, my god, why okay? Why do you use Trailstone.

So they could find me a good insurance policy?

Yeah, I'm gonna well, now hold on, Sandy, I'm gonna ask you, Brian, honest to god, how many times do you help your clients with Safeco or the other thirty plus companies you guys represent.

Yeah, no, we get involved all the time with claims. It's not that we have decision making power, but we can put pressure on or at least understand what's going on and be able to have some kind of rational conversation.

So, Sandy, I mean your people, maybe maybe it's not Trailstone's issue because you've never even called Is that what you're saying, Yeah, I haven't. Oh my god. Okay, here's what I want you to do before anything. Here's the three steps I want to take. Number One, you're going to call it Trailstone. Talk to your your agent and say here, this is what's going on, and honestly, the way you explained it to me, they're not going to understand a damn thing. You tell them, just like this,

Now.

The third would be exactly what doctor Joel says. You write to Dora and say I can't even get a response for this people, Doctor Joel charedact please explain that one more time.

The Department of Insurance is regulated by Dora. Yep, so I'm not sure exactly. You have to navigate through the DORAS website to find how you complain against the complaint to the Department of Insurance. Well, Brian might actually know, but yeah, he probably does. But all you do is you file that complaint, explain what's going on in detail, and they're forced and they have to have somebody responding.

So listen, this is exactly what I do. Try to go through your agent first, Sandy. I figured you already did that. I mean, I really did. I don't know why we have missed that for over a year's period dealing with this, So I want you to do that

Oh?

I don't know a long time.

When's the last time I want to ask you this for everybody else out listening, when's the last time someone at Trailstone reached out to you and said, Hey, I found a cheaper coverage or better coverage through a different company instead of Safego.

They're in touch with me every year. Okay, I'm finding the best.

Very glad to hear that, because a lot of agents don't and the people Accompass do that for me every year for all mine. So are we on the same page? And then I want you to get back with Deputy Dimitri and hopefully we put a close to this because the twelve hundred bucks is twelve hundred bucks. We need to get this handled. I believe you're one hundred percent in the right, Brian. Would you agree If everything she's say in is gospel, this should be a no brainer and they should be paying it.

I do agree, And I will tell you one other alternative, you know, please or instead of would be the appraisal process. Oh there, you know you can always go through the appraisal process where you are sending it to a umpire who will ultimately make a decision.

And that's what I did.

It's a pretty common sense saying you're you're gonna get it on your side.

Yeah, but once again we're talking twelve hundred bucks. How much does that cost a consumer?

Very little, because you all you have to do is you pay for your professional but in this case, it's for rufer. Yeah, and then and then the umpire you split the cost, which is pretty cheap, and then they decide it.

Yeah.

I just went through that with Safeco. Literally, yeah. Whatever, I'm not gonna dive into that. Hey, I appreciate it. That's Brian Burns Compass Insurance. By the way, just call these guys up. If you haven't shopped insurance. I don't care. If you have all state State Farms, Safego, Progressive, I don't care. If it's a corporate policy like garage keepers

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 cup free no obligation. In comparison, call Compass Insurance pain too much your coverage at dozens of insurance companies find out Now three O 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.

Genesis Total Exteriors. Mark Simanski's the owner. I'm gonna tell you something about him. He had his painter come out. As painter's been with him like twenty years. He hates when I do this because they do everything. They do siding and windows, he does, roofs, they do a lot of stuff, anything exterior he does. In fact, his stucco business is absolutely off the charts. His stucco pricing is great.

Yeah, it is a pino from a company called Pursuit of Excellence.

Pursuit of Excellence and what do they do?

Yeah, So he started out as a framer and then in the Southeast built show decks and he's a framer up here in Colorado Springs and he is breaking into the general contracting world. We had a dishwasher flood and completely flutter house, so we decided I had to completely.

Gut the house.

And he did everything.

He did new.

Floors, new stairs, built hims, Wayne Scotting.

Wow, and he just did a great job.

Huh.

Yeah, you know what I want you to do? Do me a favor. I leave your info with Kelly, and I'm gonna have Daphne contact him about referral list. All right, So I appreciate you telling him that, but I mean he's licensed, and I know you had a good deal with him, But I mean, is there any bad reviews on him? I mean, how's he look online?

He looked great online.

He just built a new website and half my house is actually on it. Because he used to be a framer for somebody that was on your referral list. Oh, that individual moved to Florida, so he broke in. Who was general contracting folks rob from Affordable Views.

Oh okay, that's going back away, all right, Hold tight, man, give that information. Kelly. Just email me that information and we'll see how it works out. You know, on referral list dot Com, we do criminal background checks. We have them sign our code of ethics. Doctor Joel, you're on there. You know that we've done all that. That's why referral list dot Com. Not only is it the original list, but it's the best. I'm gonna go with Monica next, because you've been holding the longest. But I got to

There you go.

Last Wednesday, my wife's sitting next to me. She'll tell you I've literally dropped twelve pounds in six days. We've kind of talked about this. It's an incredible drug for the main reason and for everybody out there. Basically, I started around two hundred and twenty five. Last Wednesday, I weighed myself that day. Now I'm down under two fifteen, and the bottom line is it's about twelve and a half thirteen pounds in six days.

Now.

A lot of people are going to say that's water weight or whatever. But one of the things I have always done is I usually don't eat breakfast and stuff, but I'm always hungry. I'm constantly thinking of food. In fact, Dragon told me that one time Dragon lost a ton of eight years ago, and he's kept it off, but he thinks about food a lot, just like all of us. I don't think about that candy bar. That's really what this drug does, doesn't it. It literally makes you not

Yeah, a little bit of chicken is all you had? The night before that, you had two little sliders.

Yeah, two sliders, no bunter or anything, just the actual meat. But think about that, and I feel full afterwards. Unlike any other diet. I've ever done a crash diet where I'm doing no carbs for a month and I can drop weight pretty quick. But I wanted to try this. Generally, when I'm on a diet, all I'm thinking about is food. The difference between any diet I have ever done, whether it's no carb. I had a diet years ago, she laughs about, go ahead.

What was it?

Yeah, your banana and beer?

All I had.

Diet.

All I had was one michelobe each day, one michelob ultra in bananas, and I dropped twenty pounds in a month. I mean, you know why, because there's no calorie intake. But here's the bottom line. I can't believe I just admitted to my homemade diet of bananas and beer.

It's gonna go viral.

Mark God, it worked too. It was crazy. I'm not suggesting that for people out there. That was many years ago. So anyhow, DOC the difference between anything else, I don't think of food. It's remarkable, yep.

And that's what most patients experience. It's because your body is literally being told that you have enough, that you're fool and that you don't eat to eat anymore. You don't think about food. People that have food cravings that you know, you've heard the term angry. Yeah, it really it helps with that. It cures hanger and you know, it's been shown. I'm looking at some statistics here. Thirty three percent of people lost more than twenty percent of their body weight.

That's incredible. Yeah, and these kind of drugs through you guys at Denver Region. I mean, I know what I pay, and I have the I'm not even gonna say it anymore, but basically, these these kind of plans start at what three ninety five.

For terms zeppotide we're four seventy five for the other one, so magnetize, and that's generally what people use. The same drug that's in ozempic's sozepic.

And how much does that start at, So.

We're two ninety five for that. That's what most of our patients start with. Ye uh, And most of our patients are fine with that. If they're not, then oftentimes we'll move them up to terms epetite, which is a stronger medication. You started with that, which may be a reason why you've had such dramatic weight losses.

It's absolutely unbelievable. And here's how it works, you guys. One of your MD's called me up and basically we talk on the phone. I fill out a questionnaire and basically get the prescription. Next thing I know, the next day, FedEx shows up and the meds come. They're like refrigerated, They come with the needles, they come with everything you need and a full video instruction and there's nothing to it. I was a little afraid. I've never given myself a shot.

That's it.

There's nothing else to do it.

It's like a mosquito bite.

I don't even think it's like a mosquito bite, honestly. I mean it's like nothing.

No, it's like a lot of people don't feel it.

I had no irritation. I had nothing. You know, I'm big on reading side effects and the side effects, maybe a little irritation next to it. I had nothing.

Yeah.

Yeah, I couldn't even tell I did.

It's just an insulin. You know, it's really small.

It's so tiny, the needle is so tiny. You just don't feel it. I don't want people to think, oh, you're trying to find a vein and you're doing It's nothing like that.

No, not at all.

It's a remarkable drug. Anybody out there. And who asked this last time? Was it you, Dimitri? That last fifty pounds?

Yeah, I was actually asking you about the last twenty pounds.

You know.

The first, however much I lost, was really easy and I'm not on that medication that you guys are just disgusting. But it's the really it's the most stubborn fat that's around the belt line. And then it's also the most dangerous, isn't it, Because it's called visceral or man right, and it it's somehow harmful to my internal organ well.

Visceral fat. Higher visceral fat percentage is associated with an increased mortality. There's just a correlation, and that's bad, right, Yes, being dead is not good. But what I would want to mention is that in our clinic, we have a lot of our patients who come to us with that very problem. They can't get rid of the.

Last you know, they plateau.

Ten to twenty pounds that they need to lose.

And Joe and I haven't asked that question all these years because I assume that that medication is for like morbidly obest people.

I didn't realize that I'm pretty close to normal.

I didn't realize I could benefit maybe from it from to the same extent that you're more challenging.

And what you're talking about is for the insurance carriers to cover it, you need to fit criteria that would classify you as MORBIDLEO.

But if you're if you're paying cash and honestly you wondering.

How I'm let me mention the caveat. Our team is still going to go through the process of medically screening you to make sure that you're appropriate you have to, and that there's not going to be any dangerous side effects and that the benefits are going to outweigh the risks of taking the medication. Like any medicas, guys.

I have to break here. I hate to interrupt it, but that's Denver Regen dot com. Really just go check them out right there, call them up there, great people. I'm going to let everybody just constantly know how my journey's going well. Hold on uh Janmonica one line open three oh three 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 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help.

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All right, three oh three seventy one three eight two five five three oh three, Martino, you've been ripped off or taking advantage of We want to hear from you. By the way, just really quick on hop to the phones. We were talking doctor Joelan myself. I was telling her, you know, people spend that two hundred and ninety five bucks a month for that weight loss, and I can't talk about it more. It is working so well for me.

Yeah, empty nest life five, five, six.

Times a week, maybe seven, to be quite honest.

Sometimes, Yeah, you're saving more money than you.

I'm saving way more money. I mean the average dinner maybe I don't know, sixty bucks. I mean, think about that. That's two hundred and fifty to three hundred dollars a week, and we're not doing it. If we do go out now, the bill would be half because I'll just eat a little off her plate. I would never order my own dinner right now.

Now, I can go do some extra shopping, Mark.

Okay, Well, that that whole part's getting mixed. Well, that's a great point, Mark, that I'm mixing her whole shopping park, I think.

So yeah, can you.

Can you imagine it's like when your wife comes back saving money and says, hey, it was on sale four hundred dollars. Dress was on sale for two hundred. I saved you two hundred, Yes, exactly. Okay, So who's been holding the longest Monica? First of all, I appreciate you holding three zho three Martino. What's going on with your neighbor? We have had some neighbor calls over the years that are incredible. What's going on with yours?

Hi?

Can you hear me?

I can hear you.

Monica, Okay, I'm driving to my apology.

Well be careful it on speakerphone. If you can go ahead, Yes, yes, I will.

It has been quite a journey, to say the least. I have lived in my condos for almost three years, and for the past year I have had issues with my neighbor. But it comes down to the fact that she has been renovating her home and doing it sort of, you know, by herself, or hiring contractors who don't always speak English, so it's difficult to even communicate with them as an outsider. And she's done some things that has

Monica, hold on one second. I want to understand a few things. So she did some work. Whatever that work was, who knows, but she was messing around with water lines or something and it started leaking. It comes through your roof, correct or your ceiling? Your ceiling, yes, So then you call up your insurance company, is that correct? Or do you go talk to her?

I talked to her and she refused to go through her insurance, so I had to.

So you went through your own insurance, yes, and your own insurance. Are you having an issue? That's exactly what you should be doing in this case. So do you have an issue with your own insurance company not paying.

Well?

Now they have handled the water planes, but now I'm being dropped by them because of how many I've had to do because of her negligence up stating.

That's very interesting actually.

And they haven't been and they haven't been able to subrogate because there's some language in the HIA documentation that prevents that, which is really crazy to me.

Now what would that what would that language be? Don't get that?

Essentially, it prevents subrogation, So it prevents my insurance company from being able.

To go after in your HOA documents, have you had an attorney look at that. I sure have, and the attorney literally said, your insurance company according to this, I got to get Brad O'Brien on. I've never heard of anything like this.

I heard this a couple of weeks ago for the first time, and I'm wondering, why don't we all have an anti subrogation clause in our personal life so that our insurance companies can't somebody can't go trying.

We've got too great hold on Monica. You've been holding a long time. But I want to get Brad O'Brien on. That's that's a very interesting.

Thought.

So there's two things here. One, is there anything she can do because she got dropped by or an insurance because of the multiple claims from the neighbors. Does a neighbor have any liability there at all? That's an interesting question within itself. My gut says no, but I want to talk to an attorney on that. And then the other thing is how can they stop an insurance company that they do not have an agreement with? In other words, the choa does not have an agreement with insurance company

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. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all 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 all three nine two zero sixteen twenty two.

All right, folks, and we got another hour going. Listen, Monica, Kelly's gonna try again over the break to get our attorney at Brad O'Brien. It's what's really crazy, though about this, Monic, is I still don't understand how your ho WAD document, even if you agree to it, I get all that, I don't understand how that could dictate to your insurance company. They can't subrogate. I just simply don't understand that, and

Oh sorry, no, I wish, I wish I understood that as well. But when when they attempted to subrogate, because they did attempt to subrogate, you know, they were unsuccessful. And then her insurance company sent me a denial letter. And the only reasoning that they were saying she wasn't liable was because of the language in the HUAA that prevents subrogation, which is a very convenient loophole for them to not be.

You know, be just about the fact that I have never heard of anything like that. Listen, we're gonna we're going to continue to try to get them. But you know who sells these policies left and right. I knew we'd need them again today, Compass. Let's get Brian back up. I want to see if he's personally run into this on policies he's sold in condos or town homes or virtually anything with an HOA. I just I don't understand. I get the denial, but I don't think that's a

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You don't help, run.

As just as fast as we can.

Shooter's gonna help.

Come man, This is the Troubleshooter Show. No Tom Martino, Welcome my.

Friends to the only show that's kind. We're here to solve problems, answer questions, take complaints. Our goals to make your life a little little bit better, if not a lot better, if possible. We have recooped over three hundred million dollars in cash, merchandise exchanges refunds directly due to this show. If you have a problem need help, three oh three Martino. By the way, that number works on

Multiple times, it sounds like multiple times.

And she ended up turning everything into her own insurance company, and her own insurance company tried to subrogate against the neighbor. The neighbor wouldn't give up any of her insurance info, didn't want to turn it in, so she turned it into her own. When the insurance company went to subrogate, she received a denial letter, meaning the caller received a denial letter from the lady's insurance company denying the subrogation. Which all of this sounds it just doesn't sound right whatsoever,

Hey, thanks for taking my call.

Our septic started flooding and so we called Shirley Septic. They came out and they pumped it out, and then they said that it's actually an electrical problem going to the septic pump. So I'm wondering if you have a resferral for someone who would know about the septic pump but also the electricity.

Boy, that's that's interesting. I would I would say, off the top of my head, probably Master Router. I would say Master Router Plumbing. I'm trying to think, does anybody remember if plumbline? Maybe we should ask Bob about that because I'm thinking more on the pump side. I would like, let's see if we can't get Bob on Bob logan, hold on a second. I want to get you the right company than you what the company that is looking

We don't know if the pump is working or not because they said it's the electrical going to it.

So they're saying when they test that feed of power, they're getting zero right there, right or not?

The fool or not the folk?

Maybe it's just a simple electrician needed.

Then I'm texting Bob Logan right now.

Yeah, I'm curious about this. And the main thing with Bob is do they work on septic systems? I know for a fact when we bought our house, they came out and inspected mine from top to bottom as part of my due diligence to basically check out the house I was buying. But whether or not, we're gonna find out. Just just hold on Jack.

You know.

One other thing is we are in Conifer.

Yeah.

I think they go to Conifer, don't they. We'll ask them that too. I think they do Conifers. Not how far are you from Denver?

It's like by isn't that by Evergreen?

Yeah?

Yeah, I'm pretty sure they go up there. Well, just just hold on.

We're gonna here's the thing.

Mark.

Even if Plumbline doesn't do it, one of our listeners is going to have a referral for Well.

Yeah, there's no doubt about it. But it's interesting. The company she called when they had a problem with su septic system, Well, they probably don't have an electrician working for him, is all. I can think. Different sectors possibly.

The Elwier with the Shirley company. They they they come out and they suck out the septic systems.

They just a pumper base.

Yeah, that's what they do.

Oh, I got cha.

I heard their number one in the number two business.

Oh that's that's something. They're number one in the number two business.

To meet you.

That's pretty good. Actually, thank you, that's pretty good.

I'm going to license it to Shirley.

Yeah that's crazy. Heyte you guys. While we're waiting, we're waiting for a couple experts for gen and Monica. We do have a couple of lines hoping three oh three seven, one three eight two five five Denver, the mayor, Mayor, Mike, let's just call the mayor Mike.

I saw.

An excerpt from him talking about he met his goal for twenty four and got two thousand people homeless people housed. Did you guys see this yesterday or two days ago? He met his goal. His goal was to do that. In fact, he did better than that. He exceeded his goal. He got like two two hundred people. Let's take that

Mark to play Devil's advocate.

I think like he's not saying he reduced homelessness, he just housed more homeless than he thought he would be able to take.

It's worse than that. He increased homelessness.

Word trickery or something.

It is that that's exactly what he's trying to do. Oh hey, I pulled off what I wanted to do.

It.

It's going back to like saving money. But you bought something, something's on sale, so you buy it instead of spending the two hundred, you saved the two hundred.

Well Mark Mayor, the Devi mayor is clearly a glasses half full kind of a person.

Yeah, he's a brain half full in my opinion. How about now he's also arguing, So the Aurora mayor, what's that or not Roffman. Everybody says he's a Republican.

He's not. No, he's not.

You know what he was arguing Finally with the mayor. He's saying, you've been dumping The only reason we got problems in our buildings out here with gang members is because Denver. Now he's blaming the Denver mayor, Mike. They're literally in an argument. This is all in the last couple of days. So basically he's saying, the only reason we have this big crime wave in Aurora is because you're secretly sending all these homeless people and drug members

Oh, there's no question.

But here's what I could care less about him, Kaufman. You know why when Trump was in town, he sat there and denied that there was any gang members. He denied it. He wouldn't go. If he was a Republican, he would have been at that rally. He didn't want to go. I mean, to me, both these guys are crazy. Both of them are crazy. But who's their boss. Let's think about it, who's their boss?

Both of them are the people who are suffering us regular citizens and even non citizens of Denver and Aurora.

Yeah, but our governor should be just ashamed of himself accepting any of these buses coming in and this homeless crisis. He should be ashamed. We passed some of the laws we did, like legalizing drugs. Now that you can go do mushrooms, I can't even imagine what's going on.

Worse, We're going to get even more drug addicts to moving here from all over the country.

From everywhere. It's just crazy. But for him to come out and say I met all my goals or not all my goals. I'm not going to paraphrase it, but he basically said, Hey, my goal was to house two thousand people, and I did better than that. I exceeded it with twenty two hundred, and that's a rough number. But what he's neglecting to say in that same sentence, there's more homeless now than there was. I mean, big deal, Absolutely big deal, Mike. I mean, my god, do you

Brown doesn't typically take many guests, but I know Ross hasn't, I know Mandy have, and they just especially with Polist, he ain't talking to anybody.

You know what it it's a shame. These guys sucks so bad. It's a shame for you voters out there. Shame on you. They've voted for him.

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 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.

You know, I was talking to Dimitri over the break and he actually emailed Mike's office. We're talking about the mayor of Denver, and it was kind of funny what you said. But tell everybody why you emailed him. First of all, here's a guy that wants to help the homeless, right he ran on the platform of what I think.

That that was as exclusively his platform was to to help all the homeless.

That was That's what he ran on.

I can't think of anything else he promised to do.

And we had a caller that what yeah about You remember about three four weeks ago, a homeless guy who was living in a deliarated RV got arrested by an authority he didn't know for reasons.

All the charges were dropped, everything was dropped.

He had he had the rvmpounded, He had the rvmpound, and he gave up on ever getting it back. He couldn't afford it, but he had his tools in there. He had the several thousand dollars worth of tools that he uses to eke out a very modest living. And all we were trying to do is get access to the RV's just so he can retrieve his tools. I emailed Mike's office three times with that request, and you know,

Yeah, and I did not hear a peep from Mayor Johnson's office.

Jo no good in my opinion, not even saying, oh, you know it's against policy, or you know, we don't have time, no nothing, just totally ignored it.

And I made it clear that's a homeless guy.

Yeah, that's the platform too, and he ran on so and I think he's doing a good job on the platform because it's not even arguable. We have more homeless now than we ever had before. So even under the old mayor, we have more homeless now than we've ever had before. I'm gonna say it again, Mike, who just patted his own back because he puts them in shelters or whatever he did.

He sent them to Aurora.

According to Kaufman, damn good point. The reason we have less is because now Aurora has them, and Kaufman, you know what, you should get on your own parties train. Brother, You're on the wrong train. You're on such the wrong train. God, it's incredible. People. Just I just don't. I couldn't get into politics. Here's the problem. I say what I'm thinking, and you just can't do that in politics. You just you got to be able to look at people and

I hate him Mark.

I love to hate him, but I don't really hate him as a human. I just he's on a different side of philosophy as I am. But what it drives me crazy sometimes, like when it came to the lady that counts the votes, I forget her name. She gave out the passwords online to our voting machines. He sent off ballots to people that are here illegally. She did so many things wrong. When he talked about that, he

Used to be no.

It's still Gaddy Electric, right.

Sol though he doesn't own it.

Anymore.

Hey, Mark, you don't own Gaddy anymore, do you?

That's correct?

And I got to say something, Mark, I loved it when you owned him. I don't like him now, no offense. I know it's your name and that's what sucks. You sold your name, But honestly, I don't like him. But when you own the company, you were my favorite electrician. You've done a ton of work in my house. You guys wired my barn anyhow. But you're you retired. God, I wish people. I wish good people would never retire.

Probably they need to really have an electrician out there because a lot of that gas is he's electrical up in those cords right in the tank, and they probably need to replace the cord or that outlet that's in there. So they actually need electrician more than they need anybody that pumps or a handyman or anything.

Mark. Hey, Mark, I guess I'm trying to think of like I don't understand how my system works. I mean, as far as the electric and the pump on ours? Where where is that pump generally located? Is it in the house?

Is it?

Where is it generally located? No?

That pump is it?

No?

That pump's in the bottom of the septic tank.

Oh god. So not only do you have to find an electrician, you've got to find an electrician that's going to hop down into your septic tank.

So you can usually pull those out by you know, you don't have to actually get in a lot of times there's a pipe in or that you can break free and bring it out and got it, prsh it down and replace the electrical and sometimes.

Back in the nineties, did you guys do when you own the company, did you guys end up doing stuff like that? Probably quite a bit.

Huh, Yeah, we did.

The guy didn't care for it much, but just one of those that it was a service call and we would go out and take care of if somebody had.

To do it.

Excellent. Who would you who would you suggest Denver Metro area. Hold on a second, hold on, hold on, hold on, Hey Jen, I'm assuming you're Denver Metro. Where are Oh? No, she's Connifer. She's in Connifer, Mark in the Denver area. Mark, Yeah, who would you think?

I don't know anybody up in that Denver area. Oh, but I just thought to just give you a heads up. Yeah, because that too be a problem if that starts to fill back up before they get electrician out there.

Yeah, I could get worse. Hey, Mark, I really do appreciate that, and I agree she needs an electrician like no doubt. And by the way, hey Mark, really, how's retirement real quick?

Man?

Well, I'm doing real well.

Got some medical problems that's come along real well with me. But at the same time, I'm trying to find my new normal. I was so busy at work and everything. It's been kind of hard to find in my new normal here.

Yeah, I know.

And my dad basically hung it up. He uh, you know, he was going to go fishing every day, and he had all these plans, and you know, after three or three months he was bored off his ass and started, uh, he got into real estate. I mean, isn't that crazy? He's selling in his community. He was so bored. But anyhow, Mark, I really appreciate it, and stay in touch. I still got your cell phone. You got mine, Man, If you ever need anything personally, let me know. Three l three

Excellent.

I'll give him a call.

Yeah, let me know how that turns out. I didn't realize, like what I don't get. I'm hoping they don't have to go to the pump itself.

I don't know.

There's no way a pump like that, guys would be a two twenty. That would be nuts, right. I was thinking if one leg went out, but I don't think that would be the case. But give give Plumbline a call straight up. Okay, thank you, Hey, thanks for holding so long too, Jen. Three oh three seven one three a two five five. Normous got a problem with her daughter's eviction and then Monica I got John Fuller up.

John hold On, go with a sure thing Denver's best rufer 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

All right, three oh three seven one three eight two five five. Someone had to correct me on this. Listen to this mark. You said in the K and H commercial that they were sixty five years old. Well I did some research and you're absolutely right. Emailer Sam, they're sixty eight.

Yeah.

K H Windows Indoors has been in business for sixty eight years. They opened in nineteen fifty six. That's pretty amazing. In fact, I want to says Henry, I can't think of his last name. Henry started in nineteen fifty six. And then of course Ted Rowland, who Susanna and I. I love Ted. He's got like five hundred jumps toe. He's a skydiver, just a very interesting guy. But he retired and then Lee Diamond took over and they just do a bang up job. Think about that A com

Sure, it basically said that we are denying liability of our client. And the reasoning is and I can read it to you. Could I have it right here? Yeah, read this during our investigations. During our investigation, we found that the governing documents contain a waiver of subrogation precluding recovery against our insured and so that's why they denied the claim.

So Brad, first of all, have you ever heard this before? I don't understand how one insurance company going after another insurance company for subrogation would be affected by an HOA document, But it sounds like it could very well happen.

Wait, this is a response from the insurance company of the upstairs neighbor who caused the water damage. Yes, okay, so not her own insurance company, yeah.

The one upstairs. So in other words, her insurance company paid for everything, and then they apparently tried to subrogate the claim, went after the other one. And then here's another part I don't understand. Monica receives that letter from that insurance company. At that point, I would assume during subrogation it's two insurance companies dealing with each other, right, Yeah.

Without getting into the sebregation stuff just yet, I would have to say that primarily this is a dispute between the two unit owners. The upstairs unit owner is going to be liable for the property damage caused by flooding to the downstairs unit owner, and those are the parties to a lawsuit. If there's going to be a lawsuit, well I think there is going to be but parties.

But if you ever heard of an HOA document, it's going to have any any say in the matter. When it comes to subrogation, off top of.

Head, I can't recall that subrogation is in typically in a declaration of an H two A. They could be there's nothing. I don't think there's anything prohibiting it.

Well, okay, then then then why wouldn't we all just have a subrogation clause in everything?

Well, subrogation cause clauses are in a lot of contracts, and they basically say that if something is covered by insurance, then you can't go after the plum. Yeah, you can't go after the individual. You can't go after the other parties insurance company.

So okay, it's just so different in an auto accident. And I'm going to talk to John Fuller afterwards, but I can't imagine in an auto accident having a policy

Yeah, well, keep in mind, this is not the caller's own insurance company. This is the other party's insurance company, who is not a party to the property damage.

No, but I guess what I'm saying is, if she hired an attorney, Let's say she hired you, and she goes after this lady personally above. If now this lady's got to defend a lawsuit, I would assume that the insurance company would have to step up and try to defend her. Now, they might use that, they might use that hoa document as some kind of defense, but they're still going to probably have to get up there in defender.

Right, Well, that's kind of irrelevant to the color because insurance companies and property damage claims are in the back. They're not the principal parties. Right, You don't sue the other party's insurance company, you don't typically know.

What I'm saying is, if Monica actually sued, I'm going to call her. I'm going to call her bitch. If she actually sued, bitch, and then and then bitch got served and had to go to court. And I'm not kidding around. I mean, this lady wouldn't give her any information or whatever. So now she's got a notice to appear,

Yeah, and then that starts an insurance coverage review from the other party's insurance company to see if this leak or flood is covered under the insurance.

But you're saying part of the defense might be, and I know you haven't read any of these, but part of the defense if we go down that road and there is a lawsuit and there is a day in court and everybody shows up and attorneys are talking and all that good stuff you're saying, you think it would be possible that in that HOA document there would be a reason why, because Monica got paid by her own

Yeah. I can't speak to that because typically a SEB waiver of sebregation is in a contract between two parties.

And not two insurance companies.

Right.

Yeah, That's where I keep going back to. I don't know how this outside document, this, this outside HOA document stops, for example, only all state subrogating against Safeco. I just don't understand how that would work.

That's what I'm getting to. Declaration is between the HOA and its members, and sort of sometimes tangentially has had an effect between co members. But I'm just not familiar with any kind of having ever seen a waiver of sebrogation in a declaration that would apply between two different unit owners.

Go.

I think I can see how it applied between an HUA and each individual member that relationship.

Yeah, of course. In other words, if there was damage, you know, somehow because of the roof or a common area or something, you can't subrogate against the HOA and you agree to that living in that HOA.

Yeah, so up there neighbor and downstairs neighbor. I just can't. I think it does sound weird that a declaration would have a sebrogation waiver between those two different things.

I think they wrote it to her simply an out saying hey, we're not going to pay. I don't even know if they dealt with the other company she might, well, no, they're they're pointing out the hoa stuff. It's crazy, but it's.

Quite common for another the other party's insurance company to say no and deny it because that's their Sander practice.

Well because ultimately, and I got to put you on the hold by the way, Brad O'Brien. Anything to do with property, and that's why we have him on right now. Anything to do with property, to look over a lease, to create a lease, you name it, this guy does it. He's our expert. I'm just running out of time, Brad. But seven two zero three seven zero seven three eight eight, that's Brad O'Brien and John Fuller really quick. I don't know if you've ever you've been listening to this, but John,

Well, probably not. But here's the thing, Mark, I mean, listen, you're asking Brad to just, you know, guess on what these documents say. Yeah, the answer to your question is in these documents. Okay. I don't know if the mistake that this lady may was using her own insurance company, and perhaps the HOA documents keep. You know, we don't want to end up having a leak that ends up in seven different lawsuits being filed between the super upstairs person to the one below them, to the one below

Just going to be a mess.

But so that John, listen, John, you fill in for us, so you know why I'm doing this. I am up against it. If I can get you on in the morning, and same with you, Monica. In the meantime, I got to take this break. Brad O'Brien I thank you, and then Kelly, please get Monica's information. I wanted to send over the denial letter, the HOA stuff. Please