The Troubleshooter 2-13-25

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

Tom Martino here, Welcome to the show. Three oh three seven to one three talk seven one three eight two five five. I'll get the studio up at a minute. Mark's on his way back right now. All you'll see is deputy doc and Bow. And I wouldn't do that to you. You could pay me to keep it off, and I will. And I'm talking to those streaming. We got a we got a popular following. We love it. We got mostly downloads, but but several stream During the day, I get emails and text from people all over the

Okay? It really depends on who's at fault.

Tom.

If there's a third party at fault, then it's just like any other accident. In the beginning. You're going to file all the claims against the third party that's at fault, just as if you were in your own car. Okay, you're still going to use your medpay. There may be medpay available by the you know, the uber or lyft driver, but but primarily you're going to use your own insurance

Okay, does your insurance ever cover you that would be underinsured and uninsured? You said sometimes, right.

Correct, Yep. If you run out of limits, then that yours would kick in and stack on top of that.

John, we used to recommend and say it's a good idea to have underinsured and uninsured. I think it's mandatory. I mean not by law, but I mean you're protecting yourself. I bring back this other run and I hope he's not listening because I rub his nose in it. He insured his parents and wanted to save him a ton of money. Basic liability, medpay no basic liability. Okay, what about uninsured? Underinsured, no basic liability? They were hit by

Yeah.

I see that all the time, Tom, and listen. Nobody's immune to it. Even you know, even well intended agents and stuff will steer people wrong. I just yesterday was given a copy of my mother in law's car insurance, and I was shocked to find out that she had really good liability limits, but the state minimum of UM limits. And this isn't a different state. But that's just a classic example of some agent trying to save her money. But it's the worst thing to skimp on. It's the

Yeah, and you really need to advocate for yourself or go to an agent that knows what the hell they're doing. And another one Callion Times.

If your agent tells you to do things like skimp on the UM or to waive your medpay, it's time for you to get a new agent.

Well. See here's what happens, John. People are trying to save money, okay, and they think they're being wise. I think one of the wiser things would be to increase deductibles and things like that, because if you put in too many. If you put in too many claims anyway, you're going to be screwed. So you may as well have a higher deductible because you end up paying for a lot of those claims yourself anyway.

Now, Yeah, I don't disagree with you, but the problem that you have, Tom, and especially you that have a lot of you know, a lot of older listeners and stuff. These people genuinely believe that their insurance agents are representatives of the company. You know, they work for these companies and in many instances, nothing could be further from the truth.

Yeah, And I want to talk about Instagram and TikTok and how it plays into insurance because it does, and I want to get to the bottom of it. In fact, I wouldn't mind having Brian Burns on to weigh in on it, sus whenever we can. Scott, what's going on in your life today? Scott? Three O three seven to one three talk is our number three oh three seven one three A two five five. If you call three L three Martino you can get through twenty four to seven.

How's it going?

So?

Good Man?

Tend to a new home about about a year and a half ago, a little under.

Any new home renter, buy rent, buy bye, and is it new from the builder?

No, it's actually an older home, which is why I had to have them put HBAC in when I moved in.

When we said.

It was November a year.

Ago, November of twenty four, twenty three.

Which one twenty three November twenty okay.

And who did your HVAC comfort works? Okay? I don't know them. So what happened?

Well, when they came and they did the job, I mean it seemed like a great job. The Winner of twenty three twenty four we had that one really cold night and the system froze up. I tried colling. I'm never heard back. It worked afterwards, so I didn't think much about it. But this year it's gone down. I don't know, three four, five times it's frozen up. Last night I had absolutely no heat. I've been trying to get a hold of this guy for about the last

Hearing that all right, now, listen, let's talk about let's talk about the very first time you said it froze up. What exactly does that mean?

Well, it's a mini split system, so it's got indoor.

U Okay, now I got you. I got you. It's not a real furnace. Then it's it's a it's a heat pump.

Yeah, it's a heat pump.

Well, a heat pump will freeze up unless it's these newer heat pumps, and it's probably not these newer heat pumps. I don't believe they make them in mini splits. The newer heat pumps are good for a way below zero. The regular mini splits are not, and they are not really good below forty forty degrees thirty five degrees so you don't have a regular furnace.

I have the mini splits and that's all I have. The they were brand how many.

How many many? How many many? It doesn't matter if they're new or not, if they can't do the job. How many mini splits do you have?

And they're both connected to the same outdoor unit?

Okay? I missed that. What did he say? How many? Like three or four? Like? How many outside units? How many outside units do you have?

H there's one outside unit and two indoor units.

Okay, so it's a it's truly using one compressor and one condenser and it has two wall units in the house. Those are never going to heat your house. I mean they're probably functioning font and shepherd those well that you know what, then you're lucky, You're lucky. But when they go out, how do they go out?

Uh?

Well, the defrost light will come on like it'll be heating. Then the little event goes up. The light will come on for to defrosts and then just sits there for hours. The outside unit wi's running whatsoever, and it just gets cold, you know, I think, and you know, little ice or what nott a form on around the outside of it. And whatever, and it just it doesn't defrost, it doesn't come back on.

Okay, listen, I'm just gonna tell you you're going to have this problem. And usually usually they're pretty piss poor. From twenty to thirty two degrees. Thirty two to forty five, they're wonderful. Below twenty, they're useless and they will freeze up. It's absolutely normal. Now they do make some hyper heat high performance ones for below fifteen. I don't know what kind you have. What's the make of yours?

It's a Mitsubishi Electric. It's been running just fine until it gets down to about you know, five degrees zero degrees.

Or did you just hear it? Okay, bro, did you hear what I said? I mean, that's why, because they're not made for that. Of course they're gonna run fine until they don't. But I need to know the exact make and model and stuff and let us let our experts run it down. So I'm gonna put you on hold and give us the make, give us the exact make and model. Okay, hold on three oh three seven one three talk seven one three eight two five five waterpros dot Net, you want to talk about the best

Eighteen m I'm sorry, okay, okay.

Or Plumbline. What I'd like to do is address the system he has, because having a mini split that goes out around five degrees is not unusual. I mean really, there's only a few a few that will actually handle temperatures below that. Mini splits, for those listening, are electric systems, and they call them splits because you don't have to put in a whole system. You put in a wall unit to an exterior wall. It looks like an air conditioner,

I have a tree, Scott, Tom.

Oh and you know about this too, bo, Yes.

Tom, Tom is Scott still on the air. I think go ahead, Scott, this is bo. You need to call your your your contractor comfort works and see if they installed an integrated electric element into your Mini split that'll supplement the heat pump. It's a strip elements, similar to like your toaster. I think that's yeah, some.

Of them that That's what I was asking him for the model because some of them have it, like for example, the go ahead.

I have a model number if you want it. But that's my whole problem. I've been calling this guy for a month and a half and he won't return a single phone call.

Well, is it a Mitsubishi.

Yeah, it's a Missabis looks like the part number is MS z GS two four inn a.

Okay, you gotta phonetically do that MS like in liking Mike Sierra.

Yeah, m is in Mike, as is in sausage, z as in Zebra, sausage, g as in green s as in sausage two four n as in Niagara Falls and in Alberta.

Okay, I like sausage. Okay. Is it called do you know if it's called do you know if it's called the hyperhat?

I have no idea. I just know it's a miss Abigi Electric. The guys were real nice when they installed it. I mean they were quick, they were efficient, and it works great up until he gets to that point.

Okay, I would never listen. Listen carefully. Listen carefully, bro, I'm on their site. The Mitsubi MSZGS two A n A is not a cold climate heat pump. Okay, it's got a limited capacity, and uh, if you want the heating one, it's got to be a different one. Now here's what's going to be your argument. You're you're going to say it's defective, and it's not. They put in and you paid for what you got. Well, no it's not.

I'm looking for a way to get it to not.

What do you want?

How can I keep this from happening?

Well, you can't, I would like to.

I guess, man, I don't know. Hold on, hold on, hold on. I am assuming that you're understanding me. You can't make something work that's not made for the intended purpose. You can't make it work to keep it from happening.

When I didn't realize that this unit was not design for cold weather, when the students stallted, he told me, as you were just fine year round.

And it okay, and in Colorado, it does most of the time. So your argument's going to be, should you have been sold it isn't inappropriate? But this is not an investment. I mean, the appropriateness doesn't really play into it if the consumer knowingly buys something and pays a fair price. Now, if you were misled, in other words, they told you it was the hyperheat model and it wasn't.

I did not realize it was not designed for cold weather until you just told me, to be honest.

Not designed for extreme It's not designed for extreme cold weather. Now I would complain. You said, the dude this is a company. Is the company made up of a number of dudes or is it one dude that owns it?

I think it's like I don't want to see a mom in poss. But I know there's a guy that owns it and he's got to do that helps them. And I don't know of anyone else. But I've only met those two.

I've only spoken with him, did you ever? Okay, they won't return your call, right, okay?

Bo.

What I would like you to do is call them, Bo call.

I will, and I'll give them the model, go ahead.

Yeah, and ask them if they think it's appropriate that it was sold. Do they feel any obligation to help upgrade them?

Tom, You're right, it's not the correct unit for this climate with our low cabin.

It's not.

It's not and it may need to just be changed out. I don't think you can add a supplemental strip eating to that model.

No, you can't. It's not made for it.

Scott will call the contractor for you.

See what now, Sus? Did we get? Is Brian Burns around?

I can check?

Hang on a minute, Yeah. I want to try to get them after the break to talk with John Fullern me about some things I'm seeing on Instagram and TikTok. And I want somebody to look into it because I'm so tired of it. I am so tired of it, and I really want to look into it. Three oh three seven to one three talk seven one three eight two five.

Necessairly in that order.

I'm Tom Martine. You're a troubleshooter. I got Brian Burns up from Compass Insurance. By the way, they're the home of the free insurance checkups always three h three nine nine six nine thousand. Brian, I don't know if you've ever been asked this question. And John Fuller, our personal injury attorney, as well, I don't know if you've ever been asked this, but I'm getting tired of seeing it. I look every now and then on TikTok and most more so on Instagram, and what I'm seeing are these

Rare?

I don't, Okay, so you don't. You have not seen these ads? And they say base. Basically, what they're saying is everyone is getting cheated everyone, And I'm going to try to bring one up if I can. But they say everyone is being cheated. But do you know what they're talking about?

Well, I've never even seen it, so but I'm taking it. They don't offer a solution out of this. It's not well, you know, it's no they sure.

Do, they sure do. No, no, hey, hey, hey, hey, they they do offer they say, check out, you know, check it out this link. Hit this link. Obviously I never hit it. I guess I should before I open my mouth. But so I don't know. I can't believe there must be people listening that have seen these ads on tick. Do you see them all the time saying

Right, It's not true. So I mean that's I mean, there's all sorts of clickbait like that. Also, I'm sure you can find where it says if you do this, you know, you'll lose one hundred pounds by you know, in the next month by simply you know, following, or you.

Can or you can grow hair, right they you know, the growing hair thing. But there seems to be a plethora lately of these car insurance adds, specifically, not house insurance, but car insurance anyway, So I am curious and again, if I find it. Brian I'm going to run it by you, but right now, are what's going on with insurance right now? Are all rates just going up, up, up, up up, Like when they have problems with the housing market, the casualty property casualty market, do they pass along losses

No, they're more independent. I mean, not that you couldn't see some overflow, but for the most part, it's pretty independent. As a matter of fact, I just met with a carrier that was talking about the fact they're taking a rate decrease on auto now certainly not on home in Colorado, but on auto. So that tells me it's pretty independent. So you know, I don't foresee a huge rate increase on auto this year.

Okay, all right, John Fuller, have you seen have you seen any of those come ons for low priced car insurance?

No, I've not seen those. But let me touch on that issue you guys just chatted about. I mean, I look, Brian knows firsthand about rates here in Colorado and stuff. But here's what I do see, and here's what I am concerned about. We just had massive fires in California. You know, we've had We've had huge fires in Colorado, We've had massive hail seasons. I mean, sometimes we have no natural you know, we have hurricanes in Florida and

So it of course all of us.

You know, I remember when you know, the State Farm had such a huge exposure when the big hurricanes came into New Orleans, you know, many years ago, and I mean we didn't I don't think we got a single case settled with State Farm for about a year or a year and a half that didn't require litigation, even though they were completely legitimate cases. The adjusters just had no authority to settle those cases, and so we ended up having and the file everything. So it definitely affects them.

Brian, what do you think?

Oh, yeah, no, I and I specifically agree. I agree with you specifically on the property side, because there's been so many you know, people will often ask why haven't had a claim? You know, why am I Why are my rates going up? And you know, I say, well, if you get ten people in the room, you know, I'll promise you probably seven of them have had a claim. And that's the reason it spreads out. But as far as how they pay out, John obviously deals with that side of it more. I do see a difference in

But my hope is that, uh.

You know, we can also help if something is legitimate claim and it seems uh pretty much no brainer. We usually have pretty good success of getting involved if we need to.

Okay, so we have more coming up. I I just want to take uh this real quick thing here. Bob Uh from lam Landscaping, he has a comment. Go ahead, Bob hey, tom so that.

I'm serious thing you're talking about. There's like five of them, but every one of them says the exact same thing. And what they say is is your payments blah blah blah blah blah. And they're blaming it on the agents. What they're saying is and I call it, it's just a blissiting to your number. They're saying that the agents make fifty percent of all your all all your payments and that's why your insurance is so high. And Anon, one of them says the same thing. I'm for sure

And and and they claim they claim if you go they claim, if you go direct, you're gonna save a crapload of money.

Yeah see us.

Do you know me?

I watched some of these things for you, and I saw that the other day and I'm like, okay, I'm gonna call it. It's just a way for them to get to you another insurance covers right to the.

Quote that's all, and it never and it never, and then I then I'd like to say, well, wait a minute, where's that forty five dollars a month come in? You know? I wonder if they could ever quote that. I want to talk to Brian about commissions and stuff, and I want to dispel a lot of the myths about insurance. Coming up, I'm Tom Martine, Thank you, Bob. We have more coming up. Three or three seven one three talks

No.

I would love to know the carrier that would pay that on average what you'd find, I would love it, but it would be uh ten is what you'd normally find.

Yeah, and you don't save going I don't know why people think that.

Now there you get the same exact rate if you were to go direct, But there's a lot of carriers that won't even offer a direct rate like that. They require you go through an agent. So you know, it makes no sense to do the work yourself because it is work having to shop through all those make sure coverages are the same or there's endorsements that are missing.

Okay, thank you, Brian. Compass insurance three h three nine nine six nine thousand, and they do insurance checkups every day, so I appreciate that. Brian. Now here's what I want to tell you. Jr. Texted me a picture. He says, they're showing up all over JR. Believe it or not, You're not the only one that told me this. There's

Then?

I heard AOC that congresswoman who's half crazy do a video talking about how the United States is taking a black eye because billionaire Elon Musk and President Trump are running amok, drying up charity and humanitarian causes all over the world. If you read some of the things being cut by Doge. If you read them, you would be shocked. They're not taking baby milk formula, baby formula out of nurseries. They're stopping the most ridiculous crap you have ever seen

Oh?

Yeah, they were collecting. They were collecting classic show. Oh my god, they were collecting social security, unemployment every government doled out check. They were getting it all from US eight. No, they know because US eight is for foreign people or for foreign countries, not for here. But but it reminds you of Shameless. I swear to god, they are just unbelievable and how this is what I don't understand. And I wish anybody just had the nerve to call me,

So far?

Fifty billion dollars a day being saved? What are you kidding me? How can anyone be against it?

Listen?

This is not political, it's economic. Why do you want to support useless bs all over the planet. I mean, did you know that that news organization, and I don't know if it's the only one, Politico was actually being subsidized. Their subscriptions were being subsidized because their subscriptions they lose

Ripped off bad news, You need advice, who.

You don't have the come running just as fast as we can show.

Shooter's gonna help.

Come man.

This is the Troubleshooter Show.

No Tom Martine, Welcome, Welcome my friends to the only and I mean that the only show of It's guy and we are here to solve problems, answer questions, take complaints. Our goal in life is to make your life just a little bit better. If we can help recoup money. Maybe from a contractor that oki dokya, Maybe from some kind of dentist that didn't do the right thing. Maybe from a landlord, uh, trying to put the screws to you by not fixing your furnace on a cold night.

Just hanging out trying to stay warm? I do have a small update from last year.

So I got it when I walk in the studio and I look over there, and that damn thing's on three. Who put it on three?

It was on six when we came in. By no, I turned it down.

I feel like I'm the only person in the world that has normal skin temperature. If anybody walked into the studio, it's like one hundred and five degrees. It's a sna in here.

Blame Michael Brown, not us.

John Fuller, what's going on with you, sir?

Just living the dream?

Then?

Yeah, you're living the dream. I bet you're in better weather, aren't you don't why just a little bit?

Yeah?

Yeah, I know, kid. Where are you at today, Florida?

I am in Florida?

Yep.

You guys, you're getting You had some hurricane damage and some other stuff you're still dealing with. I assume we are.

We are. We're getting to the end of it though, but it just takes a lot of hands on stuff, and you know, we're very fortunate. A lot of people are still are still dealing with, you know, that storm damage as if it happened just yesterday.

I was going to ask you that, you know, they talk a lot. What was at South Carolina and North Carolina one of them where you know, there was people living in tents. They got like, you know, seven hundred and fifty bucks. You know, it became a whole political thing as well. But generally speaking, I mean, my god, you know what I'm answering my own question. As you know, we've been looking for a place out in sly Dell,

Well, ITAs, it takes every bit of that. I mean, you know, like I've told you a million times, here's the deal, you don't know what you don't know, okay, And what happens when you have one of these big storms is the damage is so extensive that everywhere you turn there's just destruction. And then we have to start rebuilding. So the area that you that got hit in this last round of hurricanes Helene and Milton, what you've got it?

So well, the same thing, John, the same things kind of going on in California with the fires.

Truly it is, Yeah, it doesn't matter where it is, that's the same thing you've got. You've got this intersection of insurance, of federal regulations, of local building departments, and you've got a massive shortage of contractors and materials and tradesmen and everything. You know, with the perfect storm.

We've talked about it so much. Those California fires are way worse than what the Boulder fires were. I mean, if you lived through something like that, it's just bad.

In the middle of the Boulder Urine area, I'll exactly the same.

But well, that's right, but I'm saying it affected a lot more dollars in California. But here's what blew me away. Almost everybody it was like ninety eight percent. We're all under insured. And you just touched on one of the big reasons why when there's something devastating like that, the contractors they can start charging more. The supplies run low,

Yeah, you're right, I mean, but though the lesson of voter was that, you know, listen, we've all gone through this area or this this timeframe when when the real estate market was going up. We see it in this property tax debacle that we've got where all of a sudden, you know, your property values have doubled over the last yeah, you know, five or six years, and then the taxes go up accordingly, and people, you know, cry foul as

No in fact, so you could literally be upside down, not be able to rebuild, and still have a mortgage payment for twenty five hours.

Venture to guess that half of the people up in Lewisville and Voter were in exactly that situation.

And that's why it's important. You know, we talk about compass insurance a lot, and I think they were on last hour. But the bottom line is if you haven't checked to see if you have the proper coverage. And I mean that like just like John said, think about it. If you bought your house ten fifteen years ago and you have not looked at the value of your house in a while, you could be so underinsured it's crazy. And let me tell you the insurance companies, especially if

A great show as usual? The comment really is, can we agree that we've got a president that's been a little loose with the truth in the last few years?

No, you mean you don't? You mean Trump or you mean Biden?

I mean Trump?

Well?

Okay, Well, how has he been loose in the screws?

Loose in the truth?

Loose in the truth? How would that be? What has he said that's not true?

Tom?

Are you homeless? I'm just curious.

No, I'm not homeless.

All right, go ahead, how's he loose?

Well, I'll get to the point.

Yeah, no, Actually, why don't you start with exactly what you said? Give me an idea, what is that? I have not seen a president in at least four years that actually talks to the press every day answers questions, tells you exactly what he's thinking of and has done so many good things in a short time. I just have never seen it. So I want to know how he's loose in the screws.

I'm sorry, it's not loose in the screws. It's loose with the truth.

Okay, loose with the truth. How what is he said? That's not true?

Well, we'll take the dose thing he had said first, That was said there was fifty million dollars used for condoms to Hamas. Trump repeated that and said there was one hundred million dollars lost by giving condoms.

To who cares? Who cares? What the hell is the damn difference? What the what the hell is it difference? Fifty or one hundred million in condoms.

For hony condoms would have been an appropriate number to send to Hamas.

How about if it was ten I don't even care if it was ten dollars? Who cares?

Pop me up?

Is this guy defending the guy is saying Trump is loose with the truth, Tom, I mean, it's crazy. Instead of what about the people who are one hundred and fifty years old?

What about the people on Social Security? Are over one hundred and fifty years old. You all for that?

Well, is that anecdotal or have you seen the actual proof of names and numbers?

It's just well, no, I haven't seen the actual proof.

So Tom, Okay, Well Tom, just like, let me get this ice rate of an elementary school.

No, you have not, Tom, I'm asking Tom. I'm asking a simple question, seriously, and I promised I would give you your say. So are you saying that every dime they're claiming to save, they're lying about it, that it didn't exist, and it does exist? So government waste does exist. Are they helping getting are they helping to get rid of it? That?

I could not tell you for sure until I see accurate and verifiable number.

Tom. No one's going to show you anything. It's just not going to happen. You're either going to have to trust you.

No, No, what would be Tom? What would be an accurate and verifiable number on the Republican side, Because you seem to take everything on the Democratic side at face value? So tell me what what constitutes for you? And I know what Tom's saying. Tom's saying, Look, if they were really saving money, I'm all for it, But I don't believe.

I think they're exaggerating, and I want to see proof. I don't agree with you, Tom, I bet, I mean Martino. I think what Tom is saying is stuff like this. I don't think we should get rid of the Education Department. Tom. If that would save us money, should we get rid of it and gut it?

No, I don't believe.

It doesn't matter what Tom. He's got a theory in his mind how this country should run, so it has many can do with saving money. Okay, I want to go back to Look, that's Tom.

Tom. You might have disagreement on whether offices should be open or closure, what they should do, but what I'm asking, in basic common sense is what can what it constitutes verifiable information on the waste they're.

Cutting an audit by a Commerce Department official.

Okay, do you understand that the Oversight Community the office of a the the the there is an office of the federal government that's supposed to be doing what DOGE is doing. They're actually a target of DOGE. So they wouldn't actually probably be credible to audit themselves, would they?

Oh?

Probably not, but you know they expector generals were fired pretty much across the board and that was their job and they're gone now.

So you don't approve, So you basically don't approve or don't believe we're saving all of this money.

I just want an audit, uh, you know, the condom thing, the gross amounts that they say the I would like to see some type of verification because these people are justifying their jobs of cutting this and I you know, would like some you know, real numbers or at least some something to lean on other than anecdotes.

Okay, how do you argue with that?

So you think they're just like I know what he's saying. He's saying they're searching for headlines and they're not really doing what they say.

Okay, well no, what do you know what he's saying is I don't believe the damn word Eline or Trump or anybody says. That's what he's saying. And there's no way to fix stupid.

Now, now, I went, hold on, I want to verify it.

Hold On, bro, I don't doubt.

Can I tell you something. You're gonna have to do a little research, But I got something for you. Seriously, Tom, and again, Mark, I don't mind you. I don't mind you dogging on people when they call. I don't mind it at all. It's your opinion. But I did tell them if they called in disagreement and that they feel, I want to hear I want to hear them out. So here's what here's here's what I'm seeing. I'm seeing verifiable information on AI that gives you the links support

Hey, you guys really attacked Tom there. I didn't think that was really appropriate and he was just trying to give his opinion.

But maya, did you think I did?

You think I attacked him? Roll? Seriously, do you think I did?

You did not?

You did it?

Mark did?

Though?

Okay, I thought it was It was unacceptable that he did that, and he spewed his hate over the airways and I don't like that. And I listened to you guys every okay, okay, But what he was trying to say is Trump has been lying and he's not correcting himself. And even even Elon said in the White House that yes, he's gonna he's gonna say things that aren't true and

No I you know what's funny about this, I've never heard about the condom thing to begin with, is this widely publicized where they're saying that this was one.

Okay, that's the biggest thing he said, and that's what he keeps on saying again and again, and even yesterday he said it again. One hundred million, zero dollars are being sent to Hamas to begin with, and especially not fifty million for condoms. For so him saying that is to get people to lie to the American people. And that's the fact.

Mark.

You might not like that, but that is not a true statement, and that's not just mistakes Ralph.

According according to Reuters, there's zero verifiable evidence that money has been spent for condoms anywhere, not just Toomas and there was no there there was no such program. Recent claim surface regarding this, however, nothing. It's been debunked by several fact checking organizations and not one dollar has been traced to Hamas or anywhere for condoms.

So how many of the how many of the prior administration came out after the fact and said, yeah, you know what, you're right, Joe really was completely out of his mind and incapable of running the country and we live about that and we're really sorry and we shouldn't have done it, and we're going to do better going forward. How many of them did that?

So why doesn't Trump be bigger than that and say I made a hun Come on, fake American people, you come.

Yeah, but but John, John, I think Rolf has a point. No, Seriously, when a president off the cuff, when a president makes off the cuff comments, they're serious. When when he says, hey, you know, we're tired of this waist. We're sending one hundred million or billion or whatever whatever we're sending for condoms in Gaza and it's not true. He should say he most spoke. I mean, yeah, I agree.

How did misspeak? In other words, how do you know that he knew he misspoke? The guy says, whatever's on his mind.

Correct the record today then, because that's still the headline is about condoms.

Oh my god, it is a double standard. You're talking on a double standard. Man. The Biden administration lied to us about that sucker for so long.

It's unbelievable about everything. They've lied to us about everything. I mean, I'm still convinced. And I don't know if you are. I don't know where you are politically. I don't care.

I just want to a hard guests.

Do you believe well no, no, do you believe that Biden received millions of dollars from communist China?

I have no idea.

Show what's the facts.

There's no facts on that. But we're talking about this. But you know something, he's not.

The Princip's what's weird. We have That's what's weird. Can you prove White House is that a man called Can you prove that a man called Robert F. Kennedy is not? It is real? Can you prove it? Have you had do you have verifiable evidence?

You're right, I guess we could go down this that we're actually into simulization, but we could also just be honest about this is their government waste, absolutely, So why do they have to say things that are not true? Like the condoms? This is their big selling point. It's not about anything else, it's it's it's about the condoms and about somebody who's.

Got They called Trump hitler. They said we would never have a democracy again. They lied every five seconds. And you're getting stuck on this thing. And I bet we find out we did spend a lot of money on condom somewhere.

That's the way it normally goes.

How we spend money on tampon for the men's bathrooms.

Yeah, it's kind of the way it goes. Though, is that you have to you have to understand that, you know, we have this this cycle over and over again, and and it just gets ridiculous. We hear from Trump that the trend de Aaragua issue is going on in Aurora and it's terrible, And we listened to ten days straight of Aurora and Denver telling them that that's completely wrong and that's absolutely untrue, and it never happened, and everything else, and that Trump's just a liar about all these issues.

So you guys are supercritical. You guys are hypocritical, and you know you are.

It is it absolutely is, Ralph.

I get what you're saying. You're saying if you misstate and exaggerate, you should correct it. But I I got to tell you that goes for everyone in politics. Man. Have you ever heard Biden come out and say, by the way, and then correct something. Have you ever heard him ever? Yeah?

And and the White House usually corrects and say he misspoke. This White House doesn't say that. He doesn't say he didn't.

He didn't mean it.

It's not true. It's not true.

This is true.

Well, truth to man, everybody you know, for him, Ralph, they didn't know what we can do. Hey, listen, man, Okay, now now that he got the popular voted, still not good enough for these Trump syndrome people. It'll never be good enough. Ever, it doesn't matter. Trump could cure cancer tomorrow and Ralph would complain about.

Well, hold on, Ralph, may I ask you, Ralph, do you think the country is on the wrong track?

Absolutely? Absolutely? And guess what. I've been in there. Do you think I've been in the state. Do you I've been in the state for sixty one years? By the way, do.

You think that under Biden the country was in it? Do you think under Biden and the Democrats the country was in a better trajectory?

Absolutely? The economy was booming. The conomy has never been better.

Ever, Trump's derangement right there, How do you, honest to god, how do you argue I got to take a break?

Hey, listen, Ralph, don't don't call me a hypocrite, and don't say it, and let you have your say, okay, three oh three seven one three talks seven on three eight two five five. You know Denverregen dot com is on my list for stem cell therapy and for hair regeneration. They do a great job and I'll never forget how they got me out of pain. They're really good. That's one aspect that I want to keep harping on Denverregen dot com.

Trankly what he was doing?

Hi, Tom Martino, Hey Tom Shannon. Shannon found a SoundBite from Trump. Listen to this man. This that Ralph, make sure you're listening please.

It's from a Musk right.

This is big nus for one hundred and two undred million dollars a year, serious, bunny, missus.

Musk.

You said on x that an example of the fruit that you have cited was fifty million dollars of condoms was sent to Gaza. But after fact check, this apparently Gaza in Mozambique and the program was to protect.

Them against HIV.

So can you correct these statements. It wasn't sent to hamas actually to us into Musambi, which makes sense why condoms was sent there.

And how can we make sure that.

All the statements that you said were correct, so we can't trust what you're saying.

Well of courst well, some of the things that I say will be incorrect and should be corrected. So nobody's going to pad one thousands, I mean any you know, we will make mistakes, but will act quickly to correct any mistakes. So, you know, if the I'm not sure we should be sending fifty million dollars with the condoms anywhere. Frankly, I'm not sure that's something Americans would be really excited about. And that's really an enormous nuber of contents when you

Well, how do you argue with that? They corrected it. The actual reporter that went and did the leg work to find out if it was real corrected them and

By the way, just so you know, okay, the pricing on those condoms for the government, they bought one point sixty seven billion condoms.

Well that's impossible time because according to rolf in caller Tom, they didn't even exist. It never happened. There was no condoms.

They went to Mozambique, Adam and there were one billion up one point six.

I'd like Tom or Ralph please call back. And now that you've heard that and you heard the reporter explain.

This is exactly what happens every single time. You can change one little minute fact and it's like, oh okay, well maybe there was some truth in it. Yeah, but the original.

Thing was a lie.

It was all lies. It's just a lie.

But it's like, yeah, but they talk, let's.

Do And by the way, people really problems, questions, complaints, give us a call please three oh three seven to one three talk seven one three eight two five five. Hey, Paul, what is your comment?

Yeah, I just wanted to comment on that person that was on the phone this minute ago. Uh, Tom, I guess it was Yeah, I only know a fairy tale world this to living in. But the comedy was not federal when Biden was in there.

Period.

I've been struggling every since.

I'm making almost thirty bucks an hour and I'm still struggling. You know, it's it's it's ridiculous. You can't talk to these people. They're one side. You don't see their agenda. Then it's not right period.

They hate the fact they're gutting the government. The federal government was never intended to be this big. We were never intended the entire world.

You have to admit Trump is not doing one thing that he hasn't promised. I mean, it's not like it's a surprise. He campaigned on these very issues. He campaigned on every single issue he's doing. I mean, apparently the people wanted it. I mean, look, he's got the highest approval rating of of any recent presidents after election. You know, look at what was one of the first things Biden did. You remember one of the first major things he did. The boy got into office.

The first thing he did was opened it up. Then they lied about it for four years.

There was nothing things mark mark the border was one. The shutdown of the pipeline causing massive layoffs was another, and then the and then the withdrawal from Afghanistan that soldiers, and then and then the that is the sloppiest withdrawal, since I'm curious, Yellow, that is like the worst billions of dollars, billions of.

Dollars of equipment least spent and equipment left.

But people would justify it. That's the thing. People will justify.

Then he he left and right not long ago, saying under his watch, not an American soldier died. I mean, how do you say that after that whole withdrawal. But nope, I didn't hear. I didn't hear wall for Tom talking about that one.

All right, Now, hold on real quick, John Fuller. I got a text here, really seriously, they say that, I tell them, Well, let me do this after the break. I got this for John Fuller. After the break. I'm going to talk about the communication thing right after this. Hi, Tom Martino, your troubleshooter. Three zero three seven one three Talk seven one three eight two five five Man Lively Show. Today we got John Fuller with us, and I do have a question John. I do say this in the ads.

Well, sometimes I do, but you know, as an example, right now, I'm on the radio, so I'm not answering the phone. If you call my office, you're going to get my capable staff. But I am always available. And if a client would you know, wants to visit with me about their case, We're going to get on the phone and chat. If if I need to give them a call back after, you know, after the show or something, I'll give them a call back. But it's not a secret.

So am I understanding if someone calls you at three am? This is going to be cool.

That's that's only you that does have marrow.

Sorry, I am back in the you know he did. I brought the bottom line you can ask to talk to you.

Yeah.

I brought that up, Tom, because we did have a listener call him at three am one time.

Yeah, No, we didn't. We did. Yeah, Wow, was it important?

John?

I don't recall. You know, back many years ago, I used to handle criminal defense cases as well. And you know, my card has had my cell number on it for twenty three years now, so there's a few of them out there. But but those guys used to be the ones that would call me at two or three in the morning, and it usually they'd pick up the phone they call, and then they'd set the phone down, so I'd sit there and listen to the entire police interaction over the phone. When I'd wake up the next morning

That's scary. That really is scary. Now is Paul a new caller? I thought I took him. Paul, you were done with them? Tom, Well, Paul, are you done? Go ahead, make your make your final points fall.

Well, I just you know, I just like I said, Man, we'll talk to people like you can't talk to people like that. You know, one side didn't that's it. You don't see then.

It's not right scary.

So I was just shocked here they were both so wrong on the condoms, like they didn't exist at all. And it comes to find out they one the guy got the wrong country. Who cares? It wasn't right here in the good old us of.

A exactly like you said, dude, you know we got vedrooms of stuff that are homes outside and don't worry about other trumps. We could need to worry about ourselves first.

Wish we shipped one of those to Raff's dad.

Okay, now three O three seven one three talks seven one three A two five five, taking all your calls, problems, questions, complaints. Truly, we're having fun doing it too, So stick around for the Troubleshooter show.

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Hey, I'm Tom Martino, and I welcome you to the show. This hour brought to you by one Clear Choice Garage Doors. If you're looking for or great service new garage doors, new openers, any part of the door, any part of the opener, they do it all and their price on one Clear Choice Garage Doors. All of their prices clearly marked on the website. Chappie started this with full transparency twenty four to seven service one Clear Choice Doors dot Com.

You know, there are certain trends that just kind of repeat themselves, and we go through phases with some of these different companies out there. But one of the ones that I've seen recently a lot of is these insurance companies rushing out and trying to give offers to people before they've even had a chance to consult with an attorney and to try to settle their cases super fast and for not that much money. And that's that doesn't really happen all the time, but right now we seem

Okay, Okay, that's really good advice. Do you feel that there are cases where they're simple enough that a consumer can handle them and you tell them just do this and see what they say.

Well, I mean, you know, there are cases that we don't accept because they don't require our assistance on them. But if you're injured and you're getting treatment, and you've got you know, you've got questions about which insurance companies should be paying for things and what order they should be paying. I mean, you're probably gonna be a lot

Okay, I got this text just now when we were talking. Does John believe in no dash cams?

Yes?

John believes in dash cams. I don't think that should be a secret to any of your listeners. I'm a big believer in dash cams.

You know.

The one of the things that I hate more than anything, And you know, and maybe it's a function of you know, a lot of the police forces are spread pretty thin. They don't have enough people working in them and they

Okay, now, obviously it can also count against you if you're an idiot, right I.

Mean well, I mean listen, if you're at fault, you're at fault. I mean, that's that's the reality. But if you're not the worst thing in the world is to have some guys say, man, I'm really sorry, and by the time you get home, you get a call from their insurance saying we want to get your information. We understand that you were at fault for the accident. The guy completely changed his tune by the time he spoke

You know you're absolutely right. So in any case, what I tell people all the evidence you can gather. I mean, obviously, if you're in the right, which you know, you're not going to seek legal help. If you don't think you're in the right, if you think you screwed up, I mean, then you have to get other kinds of help, and your insurance should help you. But in any case, all I mean cell phone people don't use their phones to take pictures. They think they're weird, so they don't want

I mean that's why I tell people, and you know, get out of the car, take a picture, you know, take a picture of the other driver. Those cases do happen where the other driver just flat denis that they were even in the car.

So cut off one person here, John, we have some one person here who said they were driving down and the RTD bus pulled out from its stop and never look and smash them into an oncoming car and they have injuries. Now, is is RTD self insured? How do they deal with RTD?

So that's a hard question because there's more than one RTD. RTD itself is a government entity, and you're basically dealing with you know, state dollars and governmental immunity and all those issues. But we also have a private contractor that does an awful lot of RTD bus operation and everything else, and they have their own private insurance. So it depends on who and which one of the RTD buses you happen to get hit by or happen to, you know, be involved with. But you know it six and one

Okay, But but for sure you need I mean you they do have some kind of coverage, is what you're saying.

I mean, absolutely, government there's coverage. Yeah, No, you do have governmental immunity issues. If it's the UH, if it's truly RTD that is a government you know, funded, owned, operated program, and you do have governmental immunity.

Issues that generally john that just per say, the driver or the employee doesn't That doesn't stop the city or whomever for paying out.

Sure it does, Sure it does, it does. Yeah. So, I mean, here's the way governmental immunity works. The basic rule is we're immune unless we say that we're not immune. And one of the things that they statutorily say they're not immune for is car accident. But you still have to go through the motions of giving the statutory notice and all of the steps that you have to do to preserve your case or you will lose it forever, regardless of what the statutes say about them waving immunity.

I guess more or less. What I was saying, though, is with the exception of a snowplow in a car park to where it shouldn't be or wherever, I mean, generally speaking, if you get hit by an RTD bus, and it's the bus's fault. If you get an attorney and go through the hoops, you're going to end up most likely getting paid. Correct.

Yeah, but if you wanted to get in by a cop or but.

If your attorney or a cop or anybody, but if your attorney wanted to actually go after that employee as well, that's a whole different hurdle.

Well, we do go after the employee. It's just that that person is afforded coverage by being in the course of scope of their employment. I guess we're always saying you after the driver itself.

But I'll put it two different ways. Let's say a city worker, let's say an RTD bus driver, and let's say just a private citizen that happens to be on the job for whatever, driving some parts around to deliver. So in either case, and let's say they were drinking. Let's say the RTD bus guy was drinking and that was proven and same with the other person, could you go after that RTD bus driver for that aspect of it?

Okay, So listen to me really carefully. In every single lawsuit, we go after the actual driver, Okay, in every single lawsuit. Sometimes we also go after a company under a separate claim such as negligent entrustment or something like that. But we always go after the driver because it's the driver who was negligent got it. RTD itself didn't cause the accident. I mean, they may be by policy or bad hire

Yeah, but that's the way it is with most people, even when they have their own insurance.

Well, I was thinking if Margie d was going to say, hey, we're only going to pay out whatever two million dollars, I'll just throw something out and you still wanted more. Could you go after that driver individually because he was drinking, but yet he's a uh state employee. I mean, could you still go after him for his house, his assets?

Most likely not mark You're You're you're going to end up wanting to go after where the money is and that's going to be with the employer and got it, you.

Know, no, and that that moves that that goes right into our next text. By the way, you got Mark, Mark hit on it. Yeah, So I'll take this break and then this text has to do with what Mark asked about going after other parties. Three oh three seven to one three eight two five five.

Tom martinall.

Three seven one three talk seven one three eight two five five Ken, go ahead, Ken, what's going on?

Yeah? Tom?

Before Thanksgivin and you were talking about your back surgeon and I was driving and couldn't write down who the surgeon's name is and the practice.

Yeah, just so you know, he's not the only one that does it. Since it's been FDA he's one of the first. But since it's been FDA approved, there are a lot of really good surgeons that do it. But my surgeon, I love him, and he is really doing many of them is Joshua Beckman B E, C K, M A N. And he's a he's at Saint A's but he doesn't work well. He has a his practice

Well, both of those things are true. I mean, so here's kind of the you know, the test. We generally just go after insurance money because it's the only money that's there most of the time, you know, most most people don't have twenty five or fifty thousand or one hundred thousand or three hundred thousand or any of those nice round you know dollar amounts, just sitting in the bank and waiting if they you know, to see if they cause an accident. But here's where it does come

Yeah, yeah, I take.

When I get ready to take policy limits from a company and I know that I'm fixing the go to my client's uninsured motorists. The first thing we have to do is get permission. And guess what they do. They do an asset check on the defendant and they discover, oh my goodness, they actually do have enough money to satisfy a judgment, and they are voluntarily uninsured at that moment.

They know that, So, John, But you, personally, or most personal injury attorneys, you're telling me, no matter how attractive the defendant, you would rather not go after them.

Well, no, I'm going after them. But the insurance company has more money than they do most of the time.

You mean, so if they have okay, under in short on insured coverage. So here's your deal.

Let's say that Let's say that you incur, you know, a ninety thousand dollars hospital bill, and you lost thirty thousand dollars of wages and all this stuff, right, and I want to go after you directly. And I look at you and I go, okay, wait a second. We've got one hundred thousand dollars insurance policy and maybe by the time you're done, I've got two hundred thousand dollars of damages. You know, what are you going to do here? I can get a hundred from the insurance company and

A year sign to collect money, or perhaps the UM goes after the uh uh goes after the other party because they say, look, yeah, we paid, but now we're going to subrogate.

Right, Well, they can't do that if you've signed a complete release to get the underlying liability settlement. That's why you have to get permission from the UM carrier. So the UM carrier looks at it and says, Okay, we think the guys appropriately insured and we're going to give you permission to settle. Then they're going to be bound by that same release. It's a complete release that lets that guy out there okay, you know, okay God and

Now, John, I know it's a gamble, but we say this to people all the time. Make sure you ensure what you're worth, and you're kind of telling me if you have some healthy insurance, you may not have every And then also there has to be the loss itself. So this one couple I was talking about, while they're worth five million, and they only had fifteen thousand or whatever, the twenty five thousand minimum, the actual damages of the other driver. Actually we're not that bad. So you don't

I mean, that's how saying actual damage is. You can't go after somebodey for more than your damages are.

Yeah, just because they're rich, exactly. But I guess what I'm saying is are you saying then? And I'm not trying to put you on the spot, but it's highly unlikely that people are sued individually if they have a healthy chunk of insurance.

Once again, we always sue people individually. We we then have to make a determination on whether it is better and more strategically advantageous for our clients to take the limits of their their auto insurance versus not taking that money and trying to go after these people individually.

You can't do both, Okay, got it? And you would say most of the time, the insurance is the way to go most of the time. Absolutely, Okay. Three three seven, one three five. That's very telling, that's very I'm glad you told me that because a lot of like I said, I'm not telling people to underinsure themselves voluntarily, but perhaps you know they don't have to exaggerate. Again, there's always this theory that go ahead, John, want.

Listen that that what's your what's your here's the weak link in that, in that theory that oh, I can just underinsurre and they're always going to take the insurance. It's only true if there happens to be, you know, a healthy UN policy out there, and the UN policy decides that you didn't intentionally under insure. So there is risk in not carrying enough insurance. I would never advocate that somebody not carry a ton of insurance, but for

No.

No, yeah, three oh three seven, one three eight two five five. By the way, Frank durand the real estate Man dot Com I love Frank Man. He's a great person for buying or selling. But I also think you can rely on him no charge for a market analysis to see what your home will sell for, without listing and without obligation. Three oh three nine two zero sixteen twenty two Frank three in the real Estate man dot com. Hey Tom Martino here at three oh three seven one

What do you think, John, I think it has a lot more to do with whether the insurance company knows that they're ensuring you for that risk. So many policies will exclude activities like that. Certainly, if it was something illegal that that that may very well not be covered by any insurance policy.

Okay, and you're you're screwed. I mean basically. But as far as if people sign agreements and I've both often asked you about this, disclaimers or what do you call them? Waivers? Are they did they hold up? Yeah?

They do, they sure do. So there's two different kinds of waivers that come into play. Tom One is for you know, simple negligence, which is, you know, making a mistake, Okay, nothing intentional, just just a mistake, acting in a way that you know that that you should have known that something bad could happen, and something bad, My gosh, that's simple negligence. Those are going to be enforced every day

Like that, okay, we get it. Okay. So basically though, the messages on waivers in general, you have to not just have them to protect you if you do something, if you're conducting something that could be risky, but you have to watch what you sign as a participant. But I was always told that even if you sign a waiver, gross negligence is never overlooked. Is that right?

Well, I've seen plenty of waivers where gross negligence is waived. The question is whether or not the courts are going to enforce that. Okay, got it. Got But they're written in a way that says, we wave everything under the sun. Any theory you could ever come up with. You've waived it, you know, But the issue whether it's going to be enforced. I'll tell you something else that people need to be aware of is that you know, there are many activities

You know what. That's really good advice. Okay, we have more coming up on The Troubleshooter Show three oh three, seven to one to three talks seven to one, three eight, two five, five.

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The Troubleshooter Show now, Tom Martinez, welcome, Welcome.

My friends to the only show. It's kind' here to solve problems, answer questions, take complaints. I'll tell you something, this show's been a little different. We kind of dived into politics. I got some thoughts on that in a second. But really what we do is we try to recoup money for you. Over three hundred million dollars. Listen to that, three hundred million dollars in cash, merchandise exchanges, refund services. I think you get the idea. We help. We help

So Scott called in I believe at the ten o'clock hour this morning. He had a contractor by the name of Comfort Works install a Mitsubishi heat pump back in November of twenty twenty three, and last year the unit froze up and he couldn't get any heat out of the thing, and with this recent very very cold weather it froze up again.

No, this heat pump is basically his furnace, of course.

Yeah, it's it's doing both things, heating and cooling.

Is it a mini split system.

It's a yeah, it's a heat heat pump mini split Yes, it does both things.

Very familiar. Those are some of the best things out there. In fact, they'll save you a ton of money. But when it was really cold, it wasn't heating.

No, because I believe this particular model didn't have supplemental heat. Some of these heat pumps are good, but because when it gets below zero at zero, they just don't work well.

So the ones on r just to give people an idea how heat pumps work. We have a Susanna and I have an all electric coach in RV, so when we plug it in, our AC units are also heat pumps. But just like Bo saying, if it gets down twenty five degrees or so, they don't work very well at all, so we end up burning diesel in our insta heat, which gives us you know, it gives us fire, it

Mark, they're very effashiout.

Could you explain to us the difference between a furnace and a heat pump?

So well, Boat did this forever? I mean, the furnace is usually natural gas or it's going to be runoff propane.

Yeah, furnaces gas fire dusts where you get the heat, whereas a heat pump. To make it simple, it's actually an air conditioner working in reverse.

And it's electric generally yeah.

Generally electric in an Aggtually, the free on or the refrigerant actually captures the heat outside and through this superheat and cooling, it transfers that heat back into the house where you're not using natural gags.

And what we're really crazy about it. You think, okay, if it's twenty degrees out, how does it get heat. Well, there's always heat in the air.

It's like in the ground like geothermal, you know that's freezing, but there's always some sort of heat yep, that they can capture. So anyway, back to Scott, he called this contractor at four to five times to get up to come out. They were blowing him off.

Who was it?

Who was the contract company?

Is called Comfort Works Got a Fouler Colorado.

And that's Comfort Works with an X. Got a KS got it?

So that's right, has an X. So I called them three times during the breaks. They didn't call me back.

When did this come in?

It came in at ten o'clock this morning.

Wow, okay, So you called him back three times.

I called back three times. I left a very detailed message. I left them the I don't number the unit, and I also called my Mitsubishie supplier in Denver asked him about the unit, and there is you can't buy a supplemental heat strip to make the thing, make it work nice. So, uh, Scott called me about twenty minutes ago, and he was very thankful. He says, Bo, this contractor called me about this about an hour ago, and he says, well, we apologize. We're gonna get out to his house. We're gonna we're

And they're gonna do it no costs.

They're gonna do it. Hopefully, they're gonna do it at no costs.

I love it.

Well, even if he asked if he didn't pay for it before, long as they cut him a good deal. Don't charge an right way if.

It's something that the contractor missed an installation. If this electric heater, supplemental heat strip is not in.

So it should have been their period. It should have been there, so there shouldn't be a cost. It's great they finally got in contact, though, Yeah, leaving messages left and right only.

Because the Troubleshooter show. That's my reason why he called him back. Yeah, Scott's the kind of things.

I don't even know how you put a dollar amount on it. Maybe if he called up I don't know, Joe Blow and had to add it because his contractor was out of business, what do you think it would be? Five hundred one thousand. I don't know how much for the service, call, the labor, the heats.

It's it's out. In fact, it's I forget. He lives in a town called Onny Springs. I don't even know where that is.

You know what, good Jombo.

He's gonna get it done. He's gonna get some heat and he can maybe return those supplemental strip eaters he bought at Target back.

Yeah.

Hey, John Fuller Fuller Law, how are you doing?

Man?

Marvelous? Marvelous, marvelous?

Hey are you We were we were talking last hour and Pam, I promise I'm going to get back to you. Three oh three seven one three a two five five. We're trying to get someone on, Pam. Pam, I'm sorry about that about your social security question. So hopefully we'll get this expert on in a minute. I was thinking about how I went after what was that guy's name, Ralph, Ralph Ruff. Yeah, so him and Tom called up. We were talking about Doze and basically he started in Trump's

John, Well, so that's a tough question. I mean, here, here's the thing. That the agenda is to stop everything at all costs. And so there are legions of attorneys in all fifty states that are raring to go on every little, you know, everything executive order that he could sign. And and you know, the attorney general in Colorado is no exception. I mean he's been I believe, on every single one of these lawsuits and and they've been prepared to file these lawsuits for weeks and weeks and weeks

And that's that's that's I agree everything you said, and I wanted you and hoped that you would answer that way. And then the question becomes this, and I'm going to let you think about it during the break. Why did he not just enforce what he said, knowing when it finally gets to an appeal, even if it has to be appealed all the way up? What would the ramifications

R l s.

I don't get that right, rol S, that's right, Mark. But anyhow, it messed it up. So anyhow I'll get that pullback up, but join us. I always love knowing if I was too hard on the guy he said the condoms basically went U. The condoms actually, John, he said the condoms didn't even exist, right.

He did say he said, we have a you know, the government hasn't bought any none have been distributed. It's not five million, five hundred, it's not even five he said it was none.

Yeah, and it turned out it was fifty million, but it wasn't too hamas they went to some other country. And I made the comment because I was a little snarky. I made the comment, I wish we sent some condoms to his dad back in the day. So I just wanted to know if that if I was going a little overboard there. But man, listen, I got called a racist. What was that two weeks ago because they shy said,

Yeah?

How are you? Pam? I'm I'm kind of taking I'm taking over on this call, so I'd like to know what the original question is. So everybody's on the same page.

Okay, I have been retired since September of twenty twenty one, which means I have been paying it my medic care since that day. It's automatic to pull out of my check before I get my checked.

And how long have you been paying for it? I'm sorry the medicare.

That's the September of twenty twenty one.

Okay, so you turned a certain age and boom they start taking it out of your Social Security correct correct? Yeah, that's that's so far. All pretty normal. So what's going on?

Right?

So then I started doctoring for a hip replacement in October of twenty four, Okay, and found out that I didn't have Medicare party Okay, doctors.

Told me so. So I understand that so far, this is perfect for John Jones. No matter how we listening, I'm waiting for him to call in. Yeah, John, call in. He's usually listening to the show. So, but go ahead, And when did all this go down? By the way, like, when did you find doubt you didn't have Medicare Part B.

In October?

Hey, pam to the amount of your Social Security checks change at any point?

No?

Well, then they were taking out from Medicare Part B obviously.

Well why would the doctor say there was no Medicare.

Because he probably you know, the staff could have met a clericallera. The best thing to do is to go down to this Social Security office in person.

Well, first of all, how do we know she doesn't have advantage? For example? I don't, okay, So what is the doctor telling you?

Though?

So, Doc, what you're saying is if they're taking money out of her check, it's got to be Part B.

Yeah, but it's been the same since she started.

Do you know if you have Part B or not? I mean that seems it would seem to me like you would know. But do you know, Pam buy.

The hope for a fact that I do not have it?

Okay, so you do not have Part B. So let's just let's just say that's written in Stone. Now what.

And Social Security. I just got a letter from Social Security in Santuary verifying that I do have Part B, but social Security will not communicate with Medicare.

Well, that thing we just wrote in Stone sure change pretty quick. So you do have Part B, but you've but the doctor's saying you don't. So now I'm going to go back to exactly what Doc was saying. Doc saying you need to make an appointment with Social Security. Actually, Doc, at this point, Social Security is saying she does have Part B. So I don't know what good she's going to go going to so Security. It's got to be the doctor she's got to deal with.

No, I've been Social Security in offices, talked to hold on a second.

Hey, hey, John Jones, John Jones and Tiger Insurance, what are you making of this right here?

Gonna ask quick questions?

Yeah, go ahead, she's on the person you're talking with. Damn, her name is How much are they?

Yeah? How much are they withdrawing out of her Social Security.

Check each month?

Well, that's your dollars.

There you go.

She has her Medicare Part B.

Then okay, now the next question is her doctor? Her hip doctor told you exactly what. Go ahead?

Now if you talk to Medicare, Medicare little thing I do not have play.

So how would that? How is that? John? Is it even possible? Because I assume the one hundred and eighty five is basically for everybody or almost everybody, I should say, getting pulled out of their Social Security check each month for Part B. The number lines up. That's why you asked, right, that's correct. So if that lines up, it's obvious she's been paying for it. Have you ever seen a case where Social Secure he is taking the money out, but Medicare has no idea? She has Part B.

She could clarify that real quick without going to Social Security. If I could give her a quick phone number, Mark, would that be out cut?

I'd love for you to do it. Who is it for?

Though?

Kind of tell everybody listening what it's about.

It's actually it's actually the NAE wand number for Medicare.

Oh, go ahead, go ahead, John, give it out that you can talk.

It's one ice, You've done it.

Okay, Pam. Yeah, it's a give and take here, so hold on because other people are listening. I want him to give the phone number out, then he can give instructions and we'll kind of hear what you were going to say.

Go ahead, Okay, it's eight hundred six three three four two two seven.

Now, John, I think what Pam's gonna say, but I'm going to let her say it. You have tried calling that numerous times?

Or what?

I have been on three way call with Medicare security of me many times.

And what happens? Who? Who acknowledges there's a problem? Does anybody?

Or do?

They both say there is no problem?

Medicare social Security is not talking to them, and Social Security has no idea of why my Medicare party is taking away from me. But they set letters to the payment processing center for Social Security, but nothing's happening with it. I cannot get a reinstated.

John, What do you? What do you make of all this? At this point?

Now?

I was thinking what Doc was saying too, to go down the local Social Security office. But Pam, if I may ask you this too, when you go to see the doctor, and that doctor obviously builds Medicare. Correct, Yes, for those bill If he works on Medicare assignment, he those bills can go directly into Medicare. Is the doctor coming back and saying he's not being paid by Medicare, Well, I.

Have because I just had the surgery then last week.

Oh so the surgery's done and over. They're just trying to get paid.

Well, I'm trying to get my part be back because I have party was with a hospital that took care of the surgery. But he has to take care of all of these.

Yeah, the medications and the follow up visits and everything else.

Yeah.

John, So you're saying we'll circle back to what doc said. Is what you're saying right now.

Let me let me ask her to were you in the hospital for the surgery or was it outpatient surgery?

It was outpatient surgery, but I ended back in the hospital two days later.

Okay, off, So the surgery and everything, then he's going to be covered under your Medicare Part B if it was out patient surgery, if I had, yeah, well obviously you do.

That's the whole thing. It is obvious you've been paying for it and eventually, I mean, they're going to see it.

But as will say something, I have never performed the surgery, thousands of them without first getting authorization from the insurance company.

So but she had the surgery.

But the doctor, he would not perform the surgery without getting pre authorization from Medicare.

So obviously he was.

He was.

It was pre authorized, which means she had to have Medicare.

There's there's no problem with the cost of the surgery. It was paid. It's the medication afterwards and the follow ups where the Part b's coming in.

No, you don't have to you don't have to pre author If i'm if, I might make a suggestion pay them. Also, would your doctors obviously probably haven't even sent the bill into Medicare yet. I just tell them, or you can take it down to the office, however you want to do it. You can see right now I'm paying for my Medicare Part B. I need you to send the bills to Medicare.

It's crazy, she's in this loop. I find it so hard to believe.

Well, when I hear from security in which are you You're not on Medicare advantage?

You do have a Medicare supplement.

I asked her that. I asked her that, And which plan.

Are you on there?

Gee?

G yep, yep, yeah, Okay.

The only thing after all this surgery, the only thing you should have to worry about being out of pocket this year is two hundred and fifty four dollars.

Yeah, that's it. On g right, yep.

Yeah, your Medicare part be deductible. Everything should be covered.

Yeah, and you got proof you're paying for it.

I understand the Medicure says they won't even accept the bills because they say, I don't have party.

Oh my god, I gotta put this on hold. Hold on, I don't This is one if anybody out there has found themselves in this loop. I believe what she's saying. Social Security, John, hold on, I gotta take this.

You know.

I got to apologize for anybody that's driven off the road or committed suicide on this last call. It's one of these things that is so frustrating. I have a caller, Pam, and I'm going to bring her up and here's the bottom line, and I believe her. Social Security is taking out the money for Part B every month one hundred and eighty five Bucks and they've been taking out for Part B since two thousand and one. She had hip surgery done. Now she needs follow up care, medication, whatever

B, right, correct?

Okay, We're going to go back to what doc said. And I talked to John Jones during the break, and I'm going to pull him up one more time. But John, go ahead and tell me what you told me during the break. I mean, we've got all the facts straight long as Pam's not crazy, you know, and as long as she's not crazy or lying, which I don't think is a case. Who the hell would lie about this? What does she do at this point?

And Pam, I'm think you know what doc originally said I'd recommend go down the local Social Security office set an appointment.

I'm going and they can help me.

Okay, Well, I swear to God, I don't now. Now I'm getting to the point, Pam, it doesn't matter. You've done everything. So let me ask you this. Have you called a congressman, know, called the attorney jutant? Okay? And what did the Attorney general say?

They get me?

Called me to call the fraud hotline?

The fraud hotline? Why the fraud hotline? Mark, I don't know. I'm jumping straight down. I'm jumping straight down.

Around right, I'll try to reach out to public relations with Medicare and take a stab out here.

You know who else might just might And Pam, I hate to keep saying this, but I'm almost wondering if we're missing something like here's an example, like you haven't done some of the things you've said. I think the problem's truly there. But let me bring this back to reality real quick, Pam, what right now besides them telling you you don't have Part B, do you have a collection agency coming off from you? Do you have a doctor refusing to give you follow up care? Can you

The only place I am just trying to get it reinstated?

What?

But Sam, I'm going to ask you the question again. Forget about it. If if, if I don't even have to put this, someone help me. What is the problem right now? Once again, the doctor won't help you anymore. You can't get medication? What? What is the actual problem?

The only the only problem I have right now? Well, I almost got refuse surgery, but you didn't.

You didn't, So keep going.

The only problem I have is that I cannot if I'm at jere Park be you reinstated.

Oh my god, I I okay, So Susanne, I'm putting I'm putting her on hold. I don't know if I'm not clear enough. I understand that someone told you you don't have I'm gonna try one more time and then I'm going to hang my own self. So so Pam, listen, and I promise, I promise. If everything you're saying is correct, We're gonna help you.

Are you being denied anything right now for medications or do anything?

Are you being denied a damn thing right now? Besides just knowing in your head you don't have it. Whether that's correct or not, I don't know. But is anybody denying you care? You need no? Okay? Bam three oh three seven one three talk wow my three o three seven one three eight two five five. Don't forget. Check out the show on YouTube. Just type in Troubleshooter Network. We're live on there all the time. Of course, our podcast fifty thousand plus downloads every single month, one of

Well, that is correct. In fact, I had called Excel rooping this this morning.

Yes, and both to Carl.

And we have a little bit of snow on the roof right now. I live in Monuments, so he's going to come out next week, hopefully it'll melt by then.

Is this a cash pay or how are you paying for the roof cash?

Oh?

Okay, you don't have insurance. It's not a claim. Just out of curiosity, it's not a claim.

I have Compass insurance, okay. And my policy is renewing next month, okay. And it went from sixty three hundred to ninety six hundred.

Yeah, but that wasn't because of a claim. It's because he lived in Monument right or Colorado for.

That Well yeah, and plus my roof is fifteen years old.

Well okay, but do you have I'm just curious and I'm going to bring up Jay Brett's the owner Vicksel, But I'm a little curious on something else. Do you have an ACV policy so you would barely get any coverage anyhow?

No, I have a full coverage.

And if there was hail damage, you know, whether you you see it or not. But if Excel comes out there, Carlos or whatever team member comes out and they say, oh, you do have hail damage. Are you saying you wouldn't have the insurance company pay for it because it's going up.

No, I'm not saying that. I guess if there was damage.

I perfect, man. I just wanted to make sure on that and that I wasn't missing a reason you were paying cash because you were saying it went up basically three thousand bucks, that you might not do it, but let me lock you in. Hey, Jay, here's really the question.

Okay, hey, Mark, So this is the honest answer, and it depends upon the ear back. In twenty twenty two, when there hadn't been hailed for a while, we were seeing a lot more people having to pay out of their pocket for a new row.

Yeah, but what do weak because it was like sixty forty what are we talking?

Yes, exactly in twenty twenty two is probably sixty percent of the people were having to pay out of their pockets got to the new roofs last year. It's been a long time because there hadn't been any hail, and there was also a lot of real estate transactions. Real estate transactions will drive these.

Quite a Heck yeah they will. Heck yeah.

Well, last year when there was a lot of hal, probably ninety five percent of our customers had insurance claims.

Got it now? Two direct questions, two direct credits questions Bread Jay listen Number one, did you do any roofs and monument this year due to hal? Last year we.

Have, and what we will do for Frank is when we go out there, we're going to inspect it. And it looks like he's got a claim, We're going to tell him to file a claim.

Actually not.

If not, See, that's the thing. So many people call up a roofer the riffer guard, but if not, hell hold.

On, I hear the music. But here was his other question, do you guys have any promotions this time of year because you're not super busy. If he does have to pay cash, can you cut him a deal? I guess is kind of what he's asking. Are you going to be better than all the competition? Real quick, Jacobs, it's gonna cut you off.

We've got some home show deals going right now, and I'm not sure Carlos tells Frank about him.

I love it. If they do have deals going, Frank, we're gonna be back tomorrow