The Troubleshooter 5-21-24

Yeah, ripped up. Didn't need advice when you don't have come run in just as as we can. Shooter's gonna help coming. This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here, Well, come to the show. We are solved problems, answering questions, taking comites, making your life a little easier. I got Brian with me from Compass Insurance.

I love insurance shows. We'll talk about insurance. Insurance is on everyone's mind right now, every every aspect of insurance, from health, casualty, life, cars, everything, They're all up, all up and and and listen. It should not be hard to figure out insurance, which, by the way, acts a lot like a security, which it's not. But it's money in pooled profits payments. Now, obviously we don't invest in insurance. Usually we just get insurance, but the companies invest to keep it alive and

losses that are sustained effect premiums. We'll talk about that coming up right now. Crystal, though, wants to talk about an issue, and this is a weird one. I went through the emails and unless I'm missing something, I do want to bring Crystal up again. You really need to know that. I swear to you that I look at every aspect to try to get to something that I can hang on and go to the dealer and say this, or go to them and say that Crystal and Cody or whoever's on Crystal.

I went through every single email. There is no guarantee what in fact, if anything, the no to you indicated that your car was drivable and that you shouldn't have left it there that long, and that they were not going to pay for your rentals. You told me you had to guarantee that they were going to pay five months of your rental. I don't, I mean, unless I am totally disconnected. Where was that email? If you go through the emails, you can see that a lot of this was verbal

between Tanya and Adams Solano and myself. But not one of them, not one of them said they would pay for your rental beyond ten days. Not one of them. The best I could find was ten days. And what about the one saying your car was drivable, there was no reason to leave it there five months? See, that's not what I was told. But every one of them that they told you your car is drivable, Your car's drivable. I mean I would have at least called, so, what the

hell's going on? And don't you think they would have said, come pick up your car. They all claim that they told you to pick up your car and they don't know why it's still there, right right, and absolutely, Here's what I'm going to tell you. I promise people one thing. I promise to look at things objectively and then hope it's not really objectively because what I do is I first look first at what did what went wrong? And why does the other side feel this way? Then I look at it

totally objectively. Then I look at it. How do I get the consumer help? Even if even if they didn't have all their ducks in a row. But in your case, there's not one thing in that. I mean, if you go to court, you're gonna lose. But but maybe you should try small claims court just for the because it's under the seventy five hundred. But you you, I'm looking at it hoping to find something. There's nothing there that anyone would conclude that, oh, yeah, she was covered.

But did anyone Why did they in these emails make all these references to your car being ready not ready, but you can drive it until the parts come in. Why didn't you go get your car? Because I was told that it may never drive over thirty miles per hour again. But they never That's what I was told. And I looked on the internet and not one person with this recall, not one person left was told they could not drive. And I don't know where the thirty mile an hour limit came in.

I don't see any reference to that in any of your emails. I just don't see anything. I just that's just it is that I was told if I don't do all of these service procedures, that you know, my truck may never go over thirty miles per hour again. And in the case, but they told you until they get the part, you and drive it. Battery was dead when I picked it up. They couldn't even find my vehicle on the lot because the battery was dead and it was a brand new battery.

So I Crystal there, I just don't think you're going to get five grand from five months of rentals from I'm not worried about the five grand. I'm worried about the public impact. Public to a lot of people, yes they are, and I feel hold on, wait, that's different. Wait a minute. So I thought you were looking for reimbursement for five months of rental. I'm sorry, you're looking now for a public campaign to help others. Get me in touch of victims and tell me what they're doing to these

victims. Well, I sent you the emails. Did you look at any of those? Yes, I looked at all of them. What is this? Just tell me what they're doing because they have a recall. Ford has a recall, the cars are drivable shots. I sent you the reviews from other people and people Martin Champaigne's assistant called me back yesterday, a consumer rights lawyer, paralegal, and she just went through the same thing with the same dealership. So I mean, this is how are they suing that dealer for

this? Because see what I see is this they're going to be subpoenaed to a Yeah, okay, okay, mark my words. They will not be subpoened and there will not be a lawsuit. And I'll tell you why, because the dealer is at the dealer as at the mercy of the manufacturer on this recall. You know, I don't want to be in a position. Here's what I hate doing. I hate being in a position where I'm arguing with someone who called me for help, because I'm not saying I don't want

to help. I'm not saying it would be great. It wouldn't be great if they paid for this or paid for that, or if the world was perfect and in a recall they had a fix. But the dealer is not in control of that. So if this consumer rights lawyer is doing a lawsuit, get part of it and see if you can get reimbursed. Listen, in the past, I have made comments like this and been dead wrong. I have been dead wrong. I have in other cases I've been right more

right than wrong. But here's what we have. You do not have an ideal situation. I feel for you, I really do. I would be extremely pissed if I had purchased a new truck but you didn't. You bought a used one, so we got even a We're even removed from that a bit. You have an extended warranty on a used product, and the dealer is not doing this to you. It's the manufacturer is. If this, if this lawyer, we would I want to call them. Do you have

the name of this consumer rights lawyer that's doing a lawsuit? I'd like to. What I would like to know is the what they're suing on. I need to know the aspect they're suing on. Maybe I'm missing something and I really don't want to miss anything, and I'm not kidding. I want to know what exactly is going on here? So on the uh? Yeah, because what is the name? Do you have the name of the attorney? I do, but I'd rather not say it on air. Okay, can

you give it to us off the air and we'll call them. I just want to know. I want to know about the Hey Katschina, Well I was called. There are two different lawsuits and ventially a class action. So okay, is it against the dealer or the Ford? I can see them going after Ford? Is it the dealer? Ord? And hurts and who hurts hurt? Oh okay, I'm just looking at my database here. What what did they tell you what the issue was? Yeah? They that there's

a lawsuit, yeah, through both corporations. So they are basically saying that, you know, as a consumer rights attorney, we see that a lot of people have been impacted by this situation, by what situations, by the recall, by the by the what well, the fact that you bring your vehicle in for service, or you purchase a vehicle through that dealer and then you are not guarante heed. You know, a pre certified, a pre owned certified situation. So okay, all listen, listen. I don't know

what you're saying, but I want to call the attorney. Okay, I'm sure I gotta find out, because here's the deal. When you buy a used car, you're buying it as is subject to an extended warranty, recalls and all of that. If they did something intentionally, if they were negligent, I could see that if they knew they had a problem and they sold

it anyway and they covered up the problem, they would have something. What I need to know is what this attorney found that they're suing on, and then maybe we can pursue that with the dealer, and maybe that dealer will say, you know what, instead of this woman joining that lawsuit, maybe we'll do something for her. Meanwhile, what I would do is try to go to Small Thames Court. But I'm going to tell you what your weaknesses are, okay, because I want you to be strong. I'm not telling

you your weaknesses because I want you to be weak. You have no clear agreement that they're going to pay for your rental. You have every indication that your car did not have to sit, and that you have an obligation to mitigate damages, meaning you drive your truck as long as you can, because they did not tell you it could not be driven. No one told you it cannot be driven. On the Internet, people are driving with similar problems.

Then you say there's a problem with the dealer doing something, and they somehow owe you something because of some certified used car. I'm telling you that, in my humble opinion, you are off base thinking you have a case. But I want to talk to the attorney. I really do, because I've been wrong before and I'm probably wrong this time. So let's talk to the attorney. Ka, Gina, get the name of the attorney and ask them that if they can shed any light whatsoever on this. Okay, so

people listening, here's what happened. They bought a used truck. Okay, they have an extended warranty. They bought it from a dealer. It's a forward truck. Here's what they have. They have a situation where there was a recall. They took it in and it sat there five months. She said she had a clear cut agreement. Is what she told me, that they were going to pay for the rental as long as it took. There is not one, not one indication they said that, not one, not

one. And and I'm looking for it. Mark do you want to go is mark on? Do you want to go through this stuff? If I send it to you, can you look to see if I miss something? Because I already looked at it. I saw nothing about a rental. I looked at it yesterday. Well there's stuff about rentals, all kinds of stuff like alluding to not about paying for the rentals. Right, that's right? Ten days one woman, this is a manufacturer's deal. I don't know how.

I don't. I just don't. I don't find the whole thing, correct, that's all anyway? Hold on, okay, and I want to I want to call the attorney though, yeah, but again she didn't say an attorney time. She said a pairalegal. No, but she said it was a consumer rights attorney doing the lawsuit. A consumer rights attorney. Veronica has a problem with Fred Loya. I have to take a break, but today is insurance day, so get her to stay on the line. It's

a perfect day. Plus if you have any questions about insurance homeowners or car insurance, or why your rates went up, or about the spy apps they're putting on your cars now, or about anything to do with insurance, we have Brian Burns with us from Compass Insurance Group more coming right up, go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content time for an insurance checkup 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 three nine two zero sixteen twenty two. Hey, I'm Tom Martinez, your troubleshooter three O three seven one to three talks seven one three eight two five five. The Federal Trade Commission,

by the way, has completely completely banned noncompete agreements and contracts. They even took away some of the exclusions on them. We'll talk about coming up right now let me talk to Veronica. By the way, we have Compass insurance Group with us. They don't deal with Fred Loyer. They deal with a bunch of companies. But I'm just going to say this right up front

so people know that I'm prejudiced. Right off the bat. Most of our complaints come from State Farm Farmers, All State, American Family, and Fred Layer. They're the top five worst companies on the planet. What's going on, Veronica. I have a bus that I'm converting into a mobile grooming unit. Oh really, what kind of a bus? Is it a short bus or a big bus or what kind It's kind of like a short bus. Okay, those buses that pick up the elderly. Yeah, okay, that

size bus. Okay, I'm converting it into a mobile grooming unit. And it was almost done. In the beginning to March, a lady apparently had a seizure and ran it right into my bus. Oh wait, wait, she was in a car and ran into the bush after having a seizure. Oh man, this is trick. Mark, Hold on, Mark, don't give it away. I'm gonna tell I'm gonna tell her which who who was

this woman? Insured by Fred Layer insurance. Okay, but I want to explain something to you because now I don't like fred Layer, but I'm gonna I'm forced to say something right now. And Brian, we've had we had a case in the past where a guy had a heart attack, he ran into people, did devastating damages, and his insurance would not cover him. Now listen, ver on a car. Are you calling by any chance because the fred Leys said we're not covering it. No, there they want to

total my out. Thanks. I can't. First of all, I just want to say this. I can't believe they're even going to consider covering it. Do you know why Mark Mark Mark wanted to spill the beans? Brian Telemy, Yeah, there there are exceptions to this, But first tell me why most companies wouldn't under these kinds of certain Well, you're not held liable in the case of a medical induced accident, and if it was a heart attack, if it was a seizure, Uh, you're not going to be

held liable for the damages. However, you said, if it's so. So in the case of the intersection, the guy in a heart attack, they said it was a sudden something. They called it. Uh, they called it a health problem and they're not liable. It was not negligent and they didn't cover it. Right, if it can be foreseen, in other words, if it's happened before, if this is a regular occurrence seizure, then it could be you could be held liable because around all right, so

maybe this guy had frequently go ahead. I think that's what the case was, because there was a criminal case and the GA sent me something stating that she's that they are held responsible. Okay now, and the DA wouldn't make that determination. The DA would only make that determination traffic wise, not liability wise to you. But here's the deal. I'm hoping that this is such

a terrible situation because your bus had more value than the actual value. But that should be a limitation for her unless it was her own insurance causing this. In other words, you have a contract with your company, and if you haven't added coverage for those modifications by all means. Well, let's say, let's let's put it this way. What stage of the restoration or conversion were you in. It was almost complete, Okay, they were ready.

They were ready to put the equipment in the bathtub, the tables. But so but but was it painted and spruced up? And okay? Now are what year is this bus? It's a two thousand and three? Are they trying to Are they trying to price it as a just a raw, regular, used, old two thousand and three bus? Yes? What kind of bus is it? It's a Ford. It's Ford f S three fifty, I want to say. And and it's it literally looks like a bus. Yes, okay, Now what do they say it's worth? On? They're

saying it's worth forty two hundred? What do you what did you buy the bus for? First of all, in this raw condition, I bought it for forty five hundred and they're offering forty two. Yes, and then I put the no, I hold on. I'm making notes here. So you bought it for forty five right? Yes? And you put how much into it? Tires, paint on? Well, no, I don't need to know that. What I need to know is the price about ten thousand dollars. So you're into it, and I wouldn't be surprised at all. So

you're into it for about now. That doesn't count the equipment that did not get installed. Count the equipment? No, okay, So you're into it form around fifteen grand Yes, okay, and what and they say, oh god, these jerks are so they're not giving you any value for any of that. Right. Not only that, I didn't find out until yesterday when I I made various calls and I finally got a call back and they told me about the offer. The person on the phone did not tell me that

there was a deadline, that it expires. Well, that doesn't there's no deadline. That's artificial. They can't make a deadline on you. Forget that crap. Well they did, and then guess what it's tomorrow. Well, hold on, tell me what happens if you go past the deadline. Tell me what happens? They just give me the forty two hundred. No they don't, No, they don't, No, they don't. What law says that? Tell me what law says we can hit you and make our own

deadline. Tell me what law that is? I don't know. They're full of crap, is what I'm telling you. Who told you that there's a deadline. Well, the email they sent me yesterday, I read it and it says that it's a ten day offer, and it that's a ten day offer. That doesn't mean they can't make another ten day offer or a twenty day offer, or a thirty day offer or a one day offer. They can do whatever they want. This is bull crap. Listen, here's what

I want to know, Veronica. When did the accident happen? The beginning of March? The first week of March. Okay, so we're good, thanks for not waiting to call now, brianoy, Tom, would fred Looyer actually be liable to cover for all these improvements she did? How does that work? Of course you Why wouldn't they they property that was her property? Okay, I don't understand why it would even be a question. I mean they they did the damage. Now the question I would have is do you

have insurance? No, because it's seven hundred dollars to ensure that bus and I have not started working. Where was it part though? Please don't tell me it was on a public street. No, it was on a property, on your property. Yes, you know what. She's got a she's got a good case to get this cover. The only issue is she's going to have to do the work to sue. In other words, she can't just turn it to her insurance after it. So it's it's just more work.

But listen, Veronica, listen, you need to forget about Fred Lawyer right now and fock now. Unfortunately, unfortunately, to sue above seventy five hundred, you're going to have to go to county court. The small claims court is seventy five hundred. They want to total it. That means not only they give you forty two hundred, but they want to take the bus. Right well, they have two options. They can give me forty five hundred and take the bus, or they can give me forty two hundred and

I can keep the bus. Yeah, they're no, You're not going to take either of them. This is wrong. I know this is I mean, I don't want a new bus, but I just want the repairs. You've been working on this? How long you've been working on it? It's been this has been my dream. And how long have you been working on it? No? I can hear it in your voice. I want to help you. How long have you been working on it? For about a year? Did you do most of the work yourself on it? Yes?

And then I had someone come in to do the walls and everything else, and the paint man. So tell me this, okay, hold on. I got to take a break. Just hold on, Veronica, this is pissing me off. Three all three seven one three talk. By the way, fix It twenty four to seven has the best extreme clean just in tune your AC. There's nothing more thorough to get the dirt out to improve efficiency, which will save you money in the long run. Thirty nine dollars Fix

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nine two zero sixteen twenty two. All right, we had a discussion off the air, and I want to I just want to talk about this. First of all. I just want to you about first of all, Denver Regen for weight Loss Denverregen dot com. But they're gone, They're they're going crazy. Okay, So I don't know how long this program will lasts, but it's two hundred and fifty a month for your weight loss supplement or drug. And that's the semiglue tide genuine semi glue tide, but it's compounded,

meaning it's the same stuff. So what I want you to do is is get in touch with them if you want to get on this weight loss program Denverregen dot com. That's with their drugs and the doctor and everything. So I want to talk to here's the issue we have, Veronica. I am one hundred percent on your side, but we hear the few issues we have. So if it was a giant dollhouse in your yard, or it was a bus you're converting, or it was whatever they hit, that party is

responsible for what they took from you. It's not here just the via. It is the vehicle and whatever you can substantiate just because you say you were working on it a year and have ten thousand invested. Brian brought up a good point. You're going to have a really tough time if you can't come up with receipts and real expensive expenses like tires, paint job. Okay, now, When you say ten grand, do you mean you have ten thousand dollars in receipts for the stuff you put into it? Yes, give us

an example. And I'm not arguing, but I'm trying to put you to the test. Okay, the paint was three thousand. Okay, good, you have a receipt for a professional paint job. What else? Yes? The construction was what construction? What construction? The walls inside, I had to make cabinets, okay, just to prepare it. It had to be all waterproofed inside okay. And area for the generator, for the water pump, water tanks. Everything now be prepped. Now, this is really important

to know. Can it be fixed? Yes? Okay? I mean have you had people look at it and give you an idea of what it might cost to be fixed. I actually took the day off to day. I have to take it to two places to get an estimate. Because what I'm thinking is this, here's what I'm thinking. Let's forget about the total value. You know, you say you have fifteen grand in it. Let's forget about that. Let's say it'll cost seventy five hundred to fix. Then then

you could sue in small Claims Court. Is that. What I'm trying to get at is Mark brought up during during the break we were talking. Our YouTube morals can hear this and our streamers. But what he said was you could hardly afford the insurance and you were waiting until it went on the road to even put up the insurance. How can you afford an attorney? And you can't. So I know we're going to have to figure out a way to do this without it cost you more than it's worth. So get your

estimate and call us back. That's the first thing. See what it will take. Did any of the interior I don't think you're going to care about the estimate whatsoever, because they're saying, hey, it's total. We'll give you what is Marth Mark, We're not going to deal with Fred Layer. The reason for the estimate is to sue the other party in small claims court. She has no contract with Fred Loyer Veronica. What I'd like to know, though, is did they destroy the cabinets and all the interior work or

what was actually her? No, the only thing destroyed inside was a window, the emergency window. Okay, okay, that's all. Then what what about the outside? The outside. It was the the the driver rear side nearly like, how bad is it? How bad do you have a Okay, listen, but it's I know, I know. So what we're going to try to get me get an estimate and call me back. Just do that. That's the first thing. Okay, I believe you can sue the

driver of the other she destroyed your property. Okay, it's not a vehicle, you're not. It's you're not looking at it like buying a vehicle. It is your personal property, on your property you were working on. You have a right to be reimbursed for what it truly takes to fix it now and then, and then you can substantiate that you want to fix it based on your receipts. That's the way I would go. I would not even talk to Fred Loyer anymore. And once you put once you go to small

claim squirt, they either step in or you get a judgment again. This woman, uh and that woman will have to go to Fred Loya. I just would not mess with them. Right now, do one thing at a time, get your estimate quickly, and get back to us. Three oh three, seven to one to three. Talk. Ron's got a question. About hand and I got it. Let me ask Brian another question with hold on, Ron, Ask Ron if you can hold uh? Mark, I wanted to try to get to him. Go ahead, quick, let's do

it. Go ahead Mark, So, Brian, if I repaint my car, I got a little lost in the paint job. So I have a night. I have a two thousand and four Tours that was green, and you know, I go get a paint job for one thousand bucks at one of these paint job places and then someone hits me they owe me an additional thousand dollars at that point. Paint is a hard one because your assumption is that the car is already painted. So I hear you, Mark, Mark's

after that three grand? And I don't know how much how many times I can say this. If she was driving on the street as a motor vehicle, it would have been a completely different story. Then it parked on her personal property as a project. It is personal property, it's Brian, and I'll tell you that that owners might cover this. It changes the nature that

woman came on to her property and destroyed something she had. This woman did not have it as a motor vehicle at the time, and ensured as a motor vehicle, because you're right, all of those arguments would come into play if you're driving around a motor vehicle. They would still be responsible somewhat for personal property, but the paint job would be more apropos on the road than

it is on a project car. Well, and I am curious to see what the cost is to repair this, because let's say the cost to repair the outside is four thousand. She basically just told us there's no damage inside if they're given her forty two hundreds. Right, That's what I'm getting at. That's why I want her to get an estrument. We'll figure it out. But Mark's right, you don't just pay out the nose because you got

an old vehicle and you put too much money into it. No, but let's say Mark, on the flip side, if you put new wheels on the on the car, you just put you know, two thousand dollars worth of wheels on the car, and someone slams into you and they total your car, you absolutely should be reimbursed for the two thousand dollars. That's right. Any now, your company, different story. That's your company, their company they destroyed. What's yours now the risk free service fee eight eight eight

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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 ripped news. You need advise you don't have run inxious as fast as we can show Shooter's gonna help come. Sixth is the Troubleshooter Show. No Tom Martinez, Hi Tom Artino here, Welcome to the show. Three ozho three seven one three talk seven one three eight two five

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three eighty six two five five five four. Let's talk. Okay, So Jim's got a question about car accident. We have a compass insurance group with us Brian Burns our insurance experts, so any questions on insurance, of course, we're gonna take any questions outside of insurance as well. Plus, while he's here, and when he's even when they're not here, they do what's

called the insurance check up. That means you call with your declarations page and say, hey, this one I'm paying for my home, or this is what I'm paying for my auto, or this is what I'm paying for both, and what's out there, and they let you know what's out there. A state farm agent can't do that. A farmer's agent can't do that, an all state agent can't do that. Fred Loyer, American family. They're all captive. They have one thing to sell, only they can't compare.

They can't. So, now, Jim, what's your question or concern? What's going on? Man? Stupid question. I was involved in a accident with two vehicles. I'm one. I'm in the right, all right, tell me it was so when you say two vehicles, were you driving one? I was sitting in a parked car when a truck bounced off of that. Were you sitting in the driver's seat? Were you sitting in the driver's

seat? Yes? Okay, and you were parked? Okay, go ahead anyway, So they've agreed that it's one hundred people, Well, hold on, you were sitting there and what happened? A car bounced off of FedEx semi and then hit me? How did it hit you on the side, in the back, in the front where you parked legally? I was in a turn lane, but I was parked. What does that mean? I just stopped. He he's waiting. You were waiting for a turn signal or something. Is that what you're saying? Yes, okay, so you weren't

parked, you were stopped. There's a red light, there's a fed Ex truck coming at me. I'm going to turn the left and okay. So okay, okay, bro, I got you. I got you, Jim that we don't call that parking. We call that stopped. Okay, So you were in a stopped car and what happened? Then? All right? And another car hit you? Now what's the problem? Yes, so much. My My vehicle has been in the shop for a month. Their insurance is telling me that they're not going to pay for my rental. My truck

will not be out of the shop for another week. And I mean, Jim, do you have on your insurance any rental car coverage? No? Okay, you can't dictate the limits of the other guy's coverage. But that doesn't mean they're not responsible to you. Well, yeah, I was just going to say, it's actually in your own policy you're oftentimes limited to thirty

days. That's a very common restriction on your own insurance. Right when someone else's at fault, you're not bound by that thirty day limit because you don't have a contract with that insurance company. So unless they are saying you have cause delays or there's something abnormal, they should have to pay for the rental car, they should. But if the other guy has limits, but there's no limit, like for liability, those thirty day limitations are for your insurance.

It's for your car, not for other p No, I get that. Here's what I'm asking, isn't it isn't it visible? Hold on? Isn't it possible that the other party has a limited liab their liability limits them to thirty days? No for someone else? No, okay, gun liability is a dollar amount, thank you, but not for not specific for rental,

it's a I have five thousand dollars, they can pay more. They want what they're trying to do. Okay, So yeah, Jim that other part and no matter what his insurance does the other party, they will be responsible to you personally if that insurance doesn't pay they cause you this damage. What's the name of the other insurance Farmers? Of course, who's your insurance? Okay, they're both bad. Okay, so the other guy's insurance is

Farmers and they won't. Well, you know what you're gonna Here's what you're gonna do. You're gonna keep the rental until your car is done, not a day longer. And if that company says we're not paying for it, you're gonna tell them this whatever, I don't care what you do. I am suing. You're insured for the damages because they damaged me. And whatever I don't get from you, I'm going to get from them directly, and then maybe they'll go after you for bad faith. You have to really be

strong on that. Okay, Jim, did you understand what I said? First? You tell them I got it. You tell them, hey, I don't care what you do. Okay, I don't have a contract with you. All I know is that your dude injured me and I'm getting what I have coming. And then let us know what happens. But there's no way they can't pay you. Now, how about with all these delays going on, and thanks for calling, Jim, I want you to let us

know what happens. So Brian, back to you. Now, with all these delays going on with parts supplies and all of this crap we've been hearing about, tell me what happens if it's unconscionable. Okay, yeah, I mean it could take three months, right, No, I know, And if your own insurance is paying, you are going to have problems because your

policy is going to state that it's only limited to thirty days. But if someone else causes some homage, yeah, I mean, like I said, if there's anything that they're able to point to that says this is, you know, more than just a normal delay. This is something that you're causing a delay. You're liable' you're causing the problem, then they're not going to pay that. But if you just can't get your car fixed, you can argue the fact that, hey, I'm not the one that caused it.

You're insured. That's right, that's right. You see, this is the whole concept. Their liability has to cover you. You do not have a contract with them. They can't dictate terms and conditions to you. The only thing that dictates terms and conditions would be law or reasonableness. For example, as Brian said, if you tell the guy I like driving this rental, I want you to delay my repair. Or you ordered something that wasn't on

the original car and that's taking a delay. Or there's three other shops that could take you in today and you're like, nope, I'm only going to work with this shop, but they're three months out. That's unreasonable. Yes, exactly so reasonable. This will prevail. But if it's a legit damage, these a holes have to pay it to you. So anyway, three all three seven one three Tom three oh three seven one three eight two five five. Now we talk to Randy. Randy, what's happened in Randy?

Okay, this is a question regarding my Homer's insurance. I also have USAA. I'm extremely happy with them. My question is I was speaking to the representative regarding hail damage. I told him that my roof was probably thirteen years old, and he told me that didn't matter because they do a full they do full replacement. I'm wondering, well they do full Everyone does full replacement.

But I mean, if you write, I don't know, somebody does he What you're saying is it's not actual cash value, which is great. Okay, that's what I mean. That's what you want to make sure of. That's great. What I meant was if you have a full replacement policy, it doesn't matter how old your roof is. But can they force you at some point if they put a note in their file? Yes, can they force you in five years? Can they say to him, we're not ensuring you unless you get a new roof. They can non renew. It

has to be at renewal, but they can choose to non renew. Okay, either at renewal or underwriting. Can they demand a new roof? Yes, or terminate the policy? They can say that, yeah. But what was your question on that? Well, my question was what was the difference to the actual cash value in the full replacement IUE? And you just expla

big time, big time ACV takes your roof and depreciates it. So let's say, to make it really easy, if your roof was a twenty year roof and you had it ten years, you theoretically have used up half of it. You'll only get paid for half, and then your deductibles on top of that, and another wording that you'll find insurance policies because a lot of them have stopped using the term actual cash value. But you'll see something on

there called a roof schedule. It's equivalent. It's just that they're spelling out what the roof schedule is. So instead of saying, hey, it's what actual cash value is, they're actually specifying. And you'll see a chart in your policy that says every year that that roof gets older, it will tell you what how much of it they'll pay for. So you have to kind of dig through your policy to see it. But I see that all the

time. Now, okay, very tricky. One more question things. Okay, on my policy, I have a separate wind and hail from my house. And then it says other covered perils. When you say separate wind and hail, is it a separate deductible for wind and hail. Yes, okay, and it's got other covered perils. And during the summertime, you know, inhale, wind and hail season, I lower my deductible to pretty much almost the minimum. But you had said something about not getting the the two

percent deductible two percent I guess of the value of the house. Yep, but I'm actually I looked at my policy and I am doing that for other covered perils two percent, which is h That's it's abnormal. You can't usually carry an all other peril that is higher than your wind and hail. Is that what you're saying you're doing. You're saying you have a defined collision accuse to me, a defined deductible on wind and hail, but you have a

two percent deductible on every other perils. I think it's just the opposite. I know. I'm looking at my policy right here. I've got it on my laptop. I can take my other peril coverage up to ten thousand dollars all the way down the five hundred and then one percent, and then two percent, and those are totally That's not a good that's not a good policy. Bro. You need to get You say you're extremely happy with him.

I don't know why you are. Well, he's saying he changing, okay, So yeah, what I'm curious about is if you actually try to go through with the change. I have never seen a policy. I've been doing this for thirty years. I've never seen a policy where the all other covered peril is lower than the wind and hail, So I don't know if you can actually do that at the end of the day, Like if you try to submit that through, my guess is that your wind in hail will also

go up. But you know, I just have never seen it. But and listen, pe okay, listen. You can hold if you have more questions. I got to take a break. Three O three seven one three talk. Here's what I want to tell you, though, Call for the insurance check up. Anyone listening. There's no nothing to lose. You could possibly save a ton of money. Three oh three nine nine to six nine thousand. 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 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. Hi Tom Martine, here, let's talk

Randy, do you have any last minute questions here? Randy, I'll let you. If not, I'm gonna go on to Connie. Randy real yeah, I have a real quick, quick go ahead, sir. Considering looking at other insurance companies because of price. I've heard that some insurance companies, if you have a little wire in your house, we'll require you to update that before they'll know the issue. You a policy you know well of finds out if that's true. Yeah, you know, it actually is difficult to

get insurance with aluminum wiring. I will tell you this. I came on not too long ago because someone was struggling with this. I will tell you as I look through applications, so a lot of a lot of companies don't even ask the question. Now, if I was to call them and say, hey, this home has aluminum wiring, they would say, I don't think that's a good fit for us. But what I'm telling you is that doesn't mean that they have an exclusion. Don't ask, don't tell. That's

kind of what the what the problem is there? Yep, listen, you could you could do this. You could try right and if they say, you know, Compass can can accomplish that in one phone call and compare you with twenty five or more companies. Okay, I think the starting point is before you go down the road of having even the conversation, but the aluminum wire, since that's not a question even on the quoting or the application.

Just get a quote and if and you can see where that's coming in and then if it's if you're seeing that it's big savings, then we can talk a little bit further. But it would always say a savings. In other words, if it's a big savings, now it'll be proportional savings. No matter what, it's going to be proportional. So even if it's a little more expensive, it'll be a little more expensive everywhere. But they can give you a really good idea of where you stand exactly. Why is there thank

you Randy. Why is there still a disparity on what people pay? Why is the insurance check up working? Why is it working? Because I thought everything just went sky high, everything went up, but there's still, you know, different rates out there. So even with us, when someone calls, all see rates that vary by over three hundred percent between carriers. So

far, this is the longest I've been with a carrier. Why? Yeah, because your situation, as far as what you have insurance on, it's a limited number of carriers that are going to do that, plus your occupation and everything else. You're just in a situation where there's not a ton of carriers that are going to want to do it. Mark lies about his occupation, so he gets around it. So anyway, let's go to Connie. Connie, what's happening? Hi, Hi, Connie, what's going on?

We're taking my car? Well, I don't know if I have any recourses. At least I will get the word out. My husband passed away. And he when did he pass away? When it was May third, twenty twenty two. Oh okay, I'm sorry, put kat Okay, so May twenty twenty two. Uh huh, go ahead. So he made these sales in November of twenty one up in Cordillera in Edwards, Colorado. So there were four significant sales. Now, did he own the company? No,

he worked for Eco Roup and Soler. They're based out of Denver, Louisiana. Okay, Texas. Now, now he made these sales and he was a commissioned salesperson. Correct. Okay, So did they did he die with them owing him money? Yes? And he okay, So let me ask you that he died in May of twenty twenty two, he made these sales in fall of twenty twenty one. Why didn't he pursue you know, after

all those months. Why didn't he get paid while he was alive. Because they don't start work up up in Edwards County or up in the mountains until spring or maybe even early summer, so he wouldn't have been paid until those jobs were come Okay, And by the way, many companies, here's what I'm going to tell you, if they're normal policy, not for people who pass away, but if their normal policy is commissions are doing payable upon the

sale. That's one thing some companies don't do that. The commission is doing payable upon completion of the contract or execution of the contract, meaning or or excuse me, when they start work. So really, whatever their normal thing is, that's what would happen. So if in fact, they didn't start the jobs until after your husband died, and that's their normal policy, then you wouldn't be owed the money, but you certainly would be owed the money

if they pay most everyone else when the sales made. So do you know what their policy is or what it has been in the past. I would say, I can't tell you one hundred percent, but based on his pay yeah, his pass would get paid when the jobs were finished. Okay, Well, then might get like a little. He could ask for an advance, or he could ask for you know, some of the money up front, which he had done before. No, I understand that. But was

it doing payable or wasn't in advance? He didn't ask for anything in advance? He was no. You said he could, but what But sometimes sometimes here's my gut. My gut is it wasn't doing payable and he died and someone else took it over. That's my gut. If if did you? By the way, have you called the company many times? I've been in contact with them since my husband passed away, and they did tell me they were going to honor, you know, and pay me. So how much

how much was he due? I mean, if he was alive and the jobs were completed, how much would he have made? I would say between five and fifteen thousand per job? Oh my goodness, gracious, yes, Now you could really use that money, I imagine. Now, Connie I could. Yeah, Connie, tell me this. Are they willing to pay anything? When's the last time you talked to him? I guess maybe three months ago. Now they have me black. I also called the partner and

he seemed quite willing to work with me. But it's the offer. Chief in mind, Connie. They may not. They may not owe him the money. They may not. I truly my question, like, let's put it this way, what if he left the company? Would they have paid him instead of dying? If if he left the company the same time, what you have been paid for that? I don't think he would have left the company without being paid, But yeah, probably not. I don't know.

I don't know what kind of but that's the point I'm making. If they're if commissions are due when the job's complete, they have a right to have that policy, and even though it leaves you on a lurch, they have a right to do it. Now, of course, a company could say, you know what, he made the sale, we closed on it, we did the job. No one else really lifted a finger. Let's toss her some money here. I mean, here's what I'd like to do.

I would like one of our people to call them, since they have you blocked and just not demand anything, but see if they'd be willing to pay anything, that would be awesome. Who should we do? Who should who do you recommend? Mark or Kachina? Who do you recommend that we have do this? Dollar? I've got dollar and chopper here today, let's have don't do we're going to share any information? Well, who knows, we'll see, We're gonna we're gonna walk in with information. We're gonna say

you recently had this guy passed away. We're just curious about his widow. I mean, if your policy is the jobs complete, if in reality no one really had to work at it, I mean, who knows. It's a toss up, Connie, but I think it's worth it. Try it can't hurt. I think you put it perfectly. If he just got up and left one day, yeah, I would turn out. Yeah, probably would not have been paid. And yeah, there's so many instances where people

think something changes with death, meaning that the policies even it's crazy. Wouldn't it technically be the estate going after the money at this point if lawyers got involved, Well, let's say there was a legal obligation, Yeah, it would be. But then it would just go to her. I mean, because if she was his representative, it would be the same as him going after or the estate. But I think this, I think that he's probably not going to be due because they're going to say, listen, if people

leave, yeahin death is leaving if they don't follow through the sale. We only pay commission upon the completion, you know, Connie. We get calls at least I don't know. I'd say monthly, maybe maybe bi monthly where people's mother or father pass away in an old folks home and Martin, you read my mind. You read my mind, yeap, and tell her what happens. I mean, it's amazing. Well, the lease is still valid and if they really want to, they can go after the estate for whatever's

not getting paid. Yeah, if the if the woman or man died without giving notice, I'm serious, If you don't give notice, then they have to pay for the extra month or two or let's say there's a sixty day notice required and someone dies, they can hold you to that sixty day notice and take the money out of the estate. I'm Tom Martine. We got more coming up on the Troubleshooter show. 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 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. I might have just done it earlier today. I don't know, because I was

talking to Brian. Brian texted me something. I texted him back, but I may not have been on Brian's phone. We'll see three oh three seven to one three talk Treero three seven one three eight two five five. Hey, listen, don't forget. I don't say this enough three oh three Martino, because that's the one out you can call twenty four to seven. Leave your number, We'll get back to you and get you on the show. Three o three six two seventy four sixty six. Don was going on HI

to them. Hey, I have a homeowners insurance question. Yes, sir kind of has to do it. Yeah, you know how like flood insurance is cost prohibitive, so we don't move in. It's cost prohibitive only in a floodplain. That's why had they have the federal subsidy. It is very reasonable everywhere else. Okay, so here's my question. Kind of associated with that, I'd like to move into the trees in central Colorado? Would and we have a family presence in beautavist The sort of thing is the same true

of fire insurance and a forest I no, go. Yeah, it's not even just cost prohibitive, which I guess would if you could get insurance, it'd be cost prohibitive. But it's really hard to get insurance. What kind of insurance if you're ten miles away, it's bad. You can't wait a minute, you're telling me that I have a house in the forest, I can't get it covered? Yes? What? Yeah? Yep? And you know Colorado is trying to put together a plant Well do they do? That's

going to be the perils except fire? Well, they just won't ensure you. But I have seen companies they will offer insurance and say, but we're not going to cover forest fire right now? I mean what do they consider force marks near a lot of trees. I'm going to rat them out ten miles. Yeah, it's within five miles of a fire department. Used to be kind of the standard. That's no longer even it they So what insurance companies go by getting insurance? He's grand because I have two fire departments.

Pretty damn close. Yeah, but it's not even it doesn't even matter about the fire departments. Really. What they look at now is called a fire score, and your fire score can be from like whatever, zero to one hundred, let's say, And if your fire score is above fifty, it's really hard to find insurance without going to a specialty care. Do they count it there? Wait? Wait, wait, there's a huge flaw in what you just said. And I'm talking about my house when you shot me last

time. You guys shot me every year, which really strange. Some companies have my fire score is way higher than other ones, so it's like completely

arbitrum. How do they determine that? Yeah, and so that's the problem is you start to try to push down on their fire score and they say, well, that's our proprietary information, so they don't it's not it's not a standardized amount, because like some carriers go up to one hundred, and I've seen others that like say that it's a different score up to eighty let's

say, so it just depends on the carrier. But they all are using fire scores now, and if your fire score is high, it's really hard to find a admitted carrier in the state of Colorado that's going to take it. And that goes for like Evergreen. You know, carriers like State Farm used to write homes and Evergreen way longer than anybody else did. Well, not anymore. They're not taking any new homes in Evergreen. They won't ensure them, and so you have to go to a specialty carrier for it.

Okay, now go ahead, Martin. Were you going to say something? No, this was this was the caller. Do Yeah, I'm sorry to leave you out. I'm sorry to leave you out. Go ahead, since you're the one that called don Sorry. Well, no, I'm a little more confused than ever like that, So I don't. I just can't shop the forest unless I self insured kind of thing. Well, what I was

saying that is that I don't blame them. It just what I what I was saying is that you might be able to find insurance with a specialty carrier. Like, we have a specialty carrier right now. The name of it is called Vault V A U L T. And this is a company. It's not admitted, so it's an it's a surplus line carrier. What does that mean. It's not regularly but regulated by the state of Colorado. You're you're not you're not bound by the same rules of Colorado. It's didn't know

exempt companies were allowed to even Oh, there's tons of them here. Yeah, Like have you ever heard of a broker called Burns and Wilcox. No, they're a huge Uh so they do companies and so they just deal with with why are they allowed to sell in a state where they're not licensed. Well, it's not that they're not licensed, they're just not admitted. They don't have to file their their rates with the state of Colorado, so they can make changes quickly. Yeah. But but okay, but there's something to

be said about that. I mean, what I mean is sometimes that might be our only option. Yes, well, and that's when you go to surplus is you have to have denials from admitted carriers first. But it's not hard to get denied whenever you're in a high fire risk area. So for this gentleman's case, before you go spend the money on buying the land and buying and starting the process of building a home, work on the insurance first.

Make sure it's something you can even get insurance on. Wow, okay, hey quickly, I saw one area where the two acre parcels they don't the parcels are on well for home use and agriculture, but there's fire hidants in the street. Well there's something like that. I mean, how do I can we figure out our own fire scores? There some form I can

start using to look at different properties. No, you know, I mean yeah, if you're more in an area where it is closer kind of to Mark's point, you're within five miles of a fire department and you have fire hydrants, you have a much better case to have a conversation with an underwriter. But that still doesn't determine the fire score. Yeah. If you think Green is within fire, fire says a big fire and there's no water,

that's a big problem. That's a big problem. But what I'm telling you is, like a place like Evergreen has fire departments within five miles and they have a lot of places have fire hydrants, yet they're still not eligible with most standard carriers or most most admitted carriers. So I'm just saying, just because you find a property that has a fire hydrant within close proximity, that doesn't mean you're going to have a low fire score. Wow. Okay,

well that's that's helpful. Why are you living in a forest? Man? Are you living in a forest? No, I would like to. We have a little house in town and being a and then a little sister has a little farm outside of the investa. She's the one that's on a well but has a hydrant. But I wanted to move, you know, retire up there kind of more in the trees. Yeah. I see what you're saying. You know, man, that I just did a quote for someone that moved in an area that is was impossible to find a sure way?

Joe? How am I ended up finding it? It was? It was in a more expensive home. It was about two point five million. I found insurance for it. Uh. The premium on the home insurance was twenty two thousand. Oh that was the premium. And let me tell you you know what, God, do you know what the deductible was for forest fire, was just for fire. I shouldn't even say forest fire, the fire, the peril, for fire, the deductible one hundred thousand dollars. 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 obligation. In 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 highs tom Marts you know here three oh three seven one three talk seven one three eight two five five. Brian Burns is with us. We've been very, very busy talking about insurance. Wow, more than we've had

in a long time. That's because insurance is getting so expensive and yet it's such a necessity. I mean, no one wants to be unassured right. Our number is three oh three seven one three talk seven one three eight two five five. You can also call three oh three Martino twenty four seven, three oh three six two seventy four sixty six. Now something I want to say that when when they're not here, they still do this insurance checkup. So I want you to be able to call them, because we're going to

use some examples today of people who saved money. Okay, so the insurance checkup is three oh three nine nine thousand, three oh three nine ninety six nine thousand, have your declaratious page ready and then ask him any question you want. We'll take all of your calls coming up. That means both your

consumer calls and your insurance calls. They're both consumer calls. Right, whatever you have on your mind, give us a call, and we have more coming up on the Troubleshooter Show. Three oh three Martino three oh three six two seven eight four sixty six. Go with a sure thing Denver's Best roofer

Excel Roofing dot com. You don't pay us sex until you're content, leave 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 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 rit News need so you don't have

come run in sustas as we can. Shooter's gonna help come Man six is the Troubleshooter Show. No Tom Martino time, Tom Martino here, Welcome to the show. Three oh three seven one three talk is our number or three oh three Martino and you can call that twenty four to seven Leaven message. We'll get back to you, or you can come right live on the studio when we're on the air. Three zho three Martino three oh three sixty two seven eight four sixty six. This hour brought to you by Fix at twenty

four to seven. When I tell you they have the best cleaning system when it comes to air and heat and HVAC systems, they get the dirt out the number one killer Fix at twenty four to seven. Fix at home dot Com just thirty nine bucks, a practical refurbishment of the entire system. Now, somebody said, Tom, you know, don't these companies just want to get in your home and sell you something. Now, I'm going to tell you something. They do want to get in your home. They do want

to become your company, but they don't want to fix something. They don't want to replace it if they don't have to. They want to leave you with a great impression of thirty nine bucks. Now, this is for most legit companies that have specials, but especially this one. Now, but here's the deal. If they do find something wrong, they want to tell you you have a choice. But if you ever have a question about anything.

Ever, when it comes to any kind of loss leader or deals for any company, no matter who who it is, what you should do is basically get a second opinion or write or write it for a while. I mean, unless something is urgent and you don't have poison spewing into your home, or when it comes to your water heater, you don't have leaking and you don't have big problems, then take it one step at a time, for all home services, for all mechanical issues, for all problems. Anyway.

That's that's my little two cents there now, Steve welcome, appreciate you calling, and anyone else who wants to call give us a call right now three oh three seven one three talk seven one three eight two five five. He wants to talk about an HOA. Go ahead, Steve, Well, thanks for taking our call, Sir. We have lived in this home about these seven years and four and a half years ago we wrote a detailed letter to our HOA about their property that's adjacent to our backyard. We gave pictures,

showed them plants that had died. It's just gotten worse left eighteen months where a sizable portion of our backyard we've lost about ten plants. And it's the erosion of their property. Are they just totally not maintaining it all this time? It's been four and a half years. They have not changed it at all. In four and a half years. It's got quite a slope and it drained straight into our sideyard and then last year during the heavy rainstorms,

it contributed to helping flood our basement. Okay, so it's really have you talked to the neighbors, Well, the HOA is our neighbor in this case. They own the piece of property adjacent to us. Wait a minute, Wait a minute, so it is not a residence. I know it's HOA property, but when you say, ha property. Is it a swimming pool, is it a clubhouse? Is it? What? What is it? Common area? What is it? It's just a piece of dirt, open

space. So it's common uncommon area. Yeah, it's uncommon. I mean no one uses it really, Okay, So okay, so it's the Hoy's property, which means part of your property. What's going on again? Like? What are what? What? Like? What are they doing about it anything? I mean you would think they'd want to fix it, right, well, you'd think so again. We tried a few years ago, and

then we just tried again about ninety days ago. We asked them to come out and look at it, and it was getting so bad they brought out a landscaping company. The landscaping company thought that, you know, during the discussion it needed to be repaired. But when it went to the board meeting, this last is your house the only one? Is your house the only one affected by this? It is? And what specifically did you have an expert look at it? Like? Is anyone telling you specifically what's wrong with

it? It's just poorly grated. We started, is there grass? What's on it right now? Is it dirt? What is it? You know, I think at one time it was just weed and so forth. But because of the size of the slope, it's just erode it into nothing but a large swaths of dirt, and so nothing's holding back to dirt from pouring onto our property. Okay, did you know that you could go to the

county about that? You know? I did that actually, and the county came out and sent several emails, and once the HOA got involved, they said it was their private property, but the the county did believe that it needed to be regraded. And now a couple of years ago, why why is the HUA just resistant? Do you have an active board? Do you have a management company? We do have a management company, and I don't know if the board is active and knowledgeable, but well, what do you

do they have meetings? Does the HUA board have meetings? They do? I believe it's every other month. I went to a meeting four and a half years ago, gave him my rule. That's not going to help. You obviously have to go again. There's probably even different officers, and you're gonna have to threaten legal action. I don't know what else to do, man, I mean, we can call them for you. But ha's Of all the problems we handle, hoas are the worst because no one cares.

If there's no one person who is the HOA, so no one cares about any part of it any pot. There's not one HOA that I know of where people care. They say they care, but they don't. They all care about certain things. No one cares that as a community. The management companies especially don't care. Management companies simply want to keep the HA quiet and peaceful so they can collect their fees. That no one, no one, and I mean no one wants to address HA issues. No one, they

don't. There's they that the officers want to avoid it and the management company wants to avoid it. It's the sheer nature of the operation. So what you have to do is upset the status quo. You literally have to upset

the status quot. Now, one of the unfortunate things is that if you had an attorney write a letter to the HA threatening legal action if they continue to damage your property, you're going to have to show damages and all that, of course, but then if they respond with an attorney, it comes out of the HA. So you're going to be paying for part paying for fighting you what they should do. What they should do is say, instead of hiring attorney and fighting you, they should say, what can we do

to correct the situation? But again, they don't act. They react, so honest to God, I'm not just pointing this out to you. It's just the nature of the beast. No one cares. No one does. And frankly, when the people are on the board who think they care, they get discouraged too because they suddenly find out that no one cares. And so they're thinking, well, I'm on the board and none of the members care, so we don't care. I mean, they may have brought it

up with each other and they don't want to spend the money. It's just the weirdest thing in the world. Some you know, here's the thing. Who's your management company? What's the name of them? It's Canterbury Crossing is the homeowners Association. The management company is a local company downtown Parker. Have you ever gone in to visit the management company. Actually, I've talked to the head of the management company and also he sent out a management person about

three months ago. And what did they say, you know, they said they would take it to the board. They had the landscape company come out here and meet them. And during those discussions, I was barely encouraged because the management or the landscape company, what happens. What happened, Uh, basically on Monday night, they met and they decided that they're not going to do anything. Okay, that's what we got to name. Then then they

aren't ignoring you. You got your answer. They're not going to do anything. And by the way, that is exactly what's supposed to happen. They're supposed to talk to an expert. Then they're supposed to meet amongst themselves and make a decision. And so they are handling this. They have decided it is not an issue they had unfortunately for us. But that's not what I heard during the meeting with the landscape company. He could see all the damage

being done. Yeah, but they decided not to do anything. Right, right, Well, they have a choice. They can do that. I'm not saying it's right, by the way, I hope you don't hear me saying that. But what I'm saying is you live under their rules and they say, now there is no problem. Now you disagree. But when you disagree and they don't agree with your disagreement. That's why it's a disagreement. You have to take it to an outside arbiter. And if either arbitration,

if that's what you as signed up for, or you sue them. There is no other answer. They've already handled it. I thought they weren't handling it. We were going to call and try to light a fire under him to look at it. They've already looked at it. Now you can use in your lawsuit. You can use the landscaper. What did the landscaper say it would take to fix it? How much did you find out? He never gave us a price. He just talked about how he would go about

fixing the issue. Get a price. You're gonna before you do anything, you need a damage And your insurance company did they subrogate against the HOA when your flooding happened. You know, we ended up doing most of the cleanup and then all we had to do is replace about a twelve x twelve piece of carpet for four hundred bucks. Okay, well then you're lucky. What you ought to do right now is get a price on what it would take to correct that drainage, a real price. Then your attorney presents to the

Hua the choice of paying that and getting it done or being sued. Okay, it's unfortunately what you have to do. And then you know and then and then you can stay in touch with us each step of the way. But sometimes it sounds like a pain in the asked eve. But it's something that once you start might just they might just have enough common sense to say, let's fix it. Like what if it's only going to take five thousand dollars to fix it? I don't know. I would call the landscaper and

see if they'll if he'll give you an idea of how much? All right? And then when you always here's the quickest way to a solution. You present a problem and then a solution. And if you present just the problem and the solution is wide open, they don't like it. So give me a call back and let me know what happens. Three O three seven one three talk seven one three eight two five five eight eight eight. Heating dot

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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 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. Tom Martino here three all three seven to one to three talk three all three seven one three eight two five five.

We have Compass Insurance Group with us, and my goodness, we've had a lot of insurance calls and now I'm going to go some text messages about insurance. And somebody said, Tom, you were going to talk about increases, but you didn't talk about it yet. Why, Okay, I know what you're gonna say, losses, But does that go for auto and home and everything and around the country. Brian, we're talking about around the country. Okay, we're not just talking Colorado, so let's talk about what's going

on around the country. Why why why insurance is going crazy? Well, I mean if obviously, if we're talking about auto, yeah, let's okay, let's take one at a time, whatever you want to do. A big reason for the increases in auto is also the increased cost of the vehicles that we're driving. So, I mean, just look at what the cost of vehicles are. They're going up and the more and more they're becoming like computers. A small fender bender is costing substantially more now today than okay,

I can buy that. So that's going to have an effect on your insurance rates. It's going to go up, you know. And I know we're talking across the country. Uh, obviously in Colorado we have added elements to that that is causing our rates to go up even more. Guys, there's one word for this, and you both know what it is. Inflation Bidenomics. Do you think so, Mark, really, I mean, what do you think Brian not be getting but our current economic client. I don't know

if that if that is it, I don't know. I know it's not COVID anymore, is it? What is it? Well, I I'm going off of with Colorado. If you're there was actually an article and I wish I would have pulled it up in Denver Post just uh maybe a month ago, a couple months ago, talking about how Colorado rates have just gone nuts. Here. Okay, so that's not Biden, I mixed Colorado Colorado. Colorado has had more hail losses to vehicles. They're number two in the entire

country, right behind Texas. So they've had more losses as a result of hail than any other state in the country other than Texas. So you're going to see that that's going to have an effect on your rate as well. So in Colorado it's higher than the country. And how about the thirty five percent of people that aren't even covered with auto insurance in the state of Colorado and the sixty percent plus that are actually undercovered. How about if we change

right, are not covered at all? Which mark you're exactly right. Another piece to what you're seeing your where you're seeing your rates go up is on the uninsured motorists. Right so far and so far in twenty twenty four, the number one New York has the highest rates. Florida is number two, Louisiana is number three, three, Colorado is four. Wow, yeah, number four in the top five. Oh my god. And that's because ours can be tied to hail damage. That's what hail damage is. And fires.

Let's not forget fire, but not cars though, Mark, we're not talking to houses now, but cars. Yeah. Yeah, And then okay, what about homes? What about homes? Well? Home insurance? Still are we number five? Are we up? I just saw the thing that said number four underneath auto insurance. I'm not sure about home insurance where our rates compared to the entire nation, But I guarantee you it's it's up there. It's up there, and costs it's not going to be as much as

Florida. Okay, we're gonna find out in a second year. I'm asking Professor bing So really, Oklahoma, Kansas, Nebraska, guess what Florida, Colorado, they're up there, there we are. And that's all because of weather. That's all hail and tornadoes and it marks right, there is fire. But fire is even though it dominates the news a lot of times. And there are places that are hard to get insurance period. What drives they said, Colorado is one of those. Yeah, what drives the rates in

Colorado for home insurance too is hail. Hail is what cause? They say here in Colorado. Wildfires and hal are the two biggest ones. Yep, wildfires and hal now in Florida. Hurricanes in Nebraska. Hmm, it says similar to Kansas and Kansas is basically they don't give a specific it must just be weathered. Well, yeah, I mean you think of tornado. Those

tornadoes are isolated. I know that what tornadoes offense to me. I don't understand tornadoes because they're isolated, although they do devastating damage right hit and then Oklahoma is the same, Oklahoma, Kansas, Nebraska, they're all they're all right up there and and they're they're a close top five by the way, So it's it's a tough business. How does this make your your business difficult right now? Well, people are getting pissed off and you got to find

them a deal. But you can't find them a deal three or three seven to one to three talk. By the way, if you guys have a problem, question, complain, or you have an insurance issue, go ahead. Yeah, the biggest struggle we have right now is that there's a lot of carriers that have really made it clear they don't want to grow in Colorado right now. A lot of them have shut down business. They won't even take new business. So we have customers that will call or we'll reach out

to them at renewal and say, listen, here's your rate. We couldn't look at other options, but it might cause a higher deductible. Well, we need an insurance pool at some point where they're talking about takes over. They're talking about it but specifically for the fire risk areas, and they but it's a very limited amount of coverage and it's it's only covering fire, so you still have to have insurance. Well you also have that for hell companies

start pulling out, you would have to. Yeah. I don't see Colorado having some kind of pool together for damage. I know what I say. I see hailproof roofs as being the only standard. Yeah. Yeah, like Mark, you have that roof, then it it takes a hail and just absolutely nothing happens to it. You're your roof can can take the impact? Yeah? And is that right? Roof can't take it? It's catastrophic, That's what I mean. Yeah, yours, And I'm just wondering if more

and more people are going to go to that kind of roof. And mine's in essence heals proof too when you talk tile stone. Yeah, well, the problem with the hail proof stuff is most people aren't going to come out of pocket like my roof would have been, I don't know, seventy eighty thousand for a normal class four. This stuff is double in more so. So I mean, most people aren't going to pay for that. It's a

problem. Brian, No, you're right, but if because it for that, but if it gets to the point where you're paying for your own roof in the case of a loss, you're going to do things to Tamark where it's not gonna happen as frequently. So, Mark, what is the So the upgrade on that was basically double Yeah, it's a little more than double wow. And now what do they say about premium? Did you save? Did you could you calculate that? Well, the premium doesn't. The reason

the reason it changes is because you up the deductible. That's why went to the very high deductible, just because they do, though you get a reward for it. But Mark, you're right, the bulk of your savings is going to be the fact that you don't care if you take a twenty thousand deductible anymore, because your roof can hold up to this Catastruphe specifically for Hale is what I'm talking when in hail deductible, you can raise that up because

you're not worried about that loss. I say this to people that have concrete tile roofs, I say, you know you have the investment already in the roof. I would take advantage of that gear your premium lowered because the chance of you having I have that on my roof of higher. We do see, and and that's because of the the hell proofness if the that'st word of the roof. All right, let's go to bry or deductible by the way, the barrels are these both? No, I want to go to Brian

with the homeowners insurance question. First, go ahead, Brian? How are you? Hey? What's happening? Hey? So, what we're doing is we are going to be building some modular homes. Now, what I'm wondering is, when we get them built and they're in transport, how are we going to ensure that? All Right? Hold on me. That's a great question. We're going to because I I that's weird. That's weird. We'll we'll look it up, we'll talk about it coming up. Three oh three

seven to one three talk that. Brian's next, then Brian another Brian is after that, and then we have Brian from Compass Insurance Group. Brian Day. Yeah, I'm Tom Martino. 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

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. Hi Tom Martino here three three seven one three talk three oh three seven one three eight two five five. So back to Brian. He had a question. He's building a home manufactured home while it's being transported. I want to ask an obvious

question, does the transport company have insurance. Well, and it's usually who is owner the owner of the house. Usually they don't. You don't take ownership until it rerives at your I don't know, like your land. Like Brian explain that to us. You're gonna have it transported. You bought it from a company. Do they ensure it until it's set up? Well, we will be the company and we will be shipping them. Now what do you mean you will be Oh? Wait, you are building you're in the

business of building manufactured homes. Well, we're not quite yet, but we're getting pretty close. And it's kind of really Now hold on, do you have a factory or starting Uh? Essentially, yeah, we're getting the numbers right now. So we're gonna we're gonna try to start start building some manufactured home. How are you going to do it? Are you going to do like two pieces? Four pieces? How are you going to do it? Actually, these are gonna be two stories and they're gonna be three pieces.

Very cool, man, that's what gave you the idea to do this. Well, it's kind of weird because I talked to you about it before when we were building sheds and we were we were training the sheds over the houses, so it's sort of morphed into this. Okay, so do you have your first design? I do, and I'm actually talking with I'm getting some architecturals right now and we've got to get some structural details. But other than that, we'll be ready to go. And we've found some properties that are

decently priced to where people can afford them. So we're the only problem with building The only problem with building it in pieces like that is you have to have you have to have actually more structured than you would if you built it on site because some of the things you can keep in common you can't do while transporting. But right, right, but let me ask you this. Do you have a transport company? No, but we will be we'll be

supplying transport or No. I understand that, But have you talked What I'm getting at is this, have you talked to transport companies? No, talking like APEX or someone we have? Not? Well, I would do that first, so you're not redundant. Many of these transport companies have already tackled this, but Brian's too. Yeah. One thing that we have to do is we're going to be building the main structure on the actual trailer. Why on what trailer? So on at Goose Neck trailer will be well, why

why would you do that? Let me ask you? And then how do you get it off that trailer? When you get it to the house. You crane it? Yeah, we're going to crane it. But why build it on that? I'm just curious. I'm not I don't know anything about this, but why would you do it on there? Is it just easy? Is it just one less step? Then? Is that what you're thinking exactly? So you don't have to get a crane out there to lift it

onto the trailer? Okay, well that's pretty cool. If you got the trailer sitting right next to it, you might as well build it on it. No, I mean that's a very good idea. Yeah yeah, yeah. So well, as the builder, you're you're gonna have to have an insurance policy. Insurance. Yeah, you'll have to get an insurance policy, which we'll have the commercial general liability and property and all that. But the

transport is going to be a special animal. Well, but it's going to be part of his because he's going to be regularly doing this, so he's going to just make sure that he has the coverage to protect him up to a certain dollar limit of whatever, or he's protected up to the point that it's hooked to that transport company and they might take over, no no doubt. If he can get the transport company to actually take on the responsibility, great, If not, he just needs to make sure that his policy will

extend. Now, you know, I've often said this, Brian, that building stuff under strict controls, if you have an environment of strict controls, if you're not just stick building it anyway, you're just doing it off site. I mean, but if you're doing it to certain standards and jigs and all of that, you can actually turn out better quality than stick built on site. Sure, well we have to we have to abide by the IRC rules you know anyway, so hurt for HUT or any of that. So

we're yeah, but you want to go beyond that. I'm talking about going beyond that anyway. So are they going to be what price ran like? Like, are they going to be considered medium kind of homes, higher end homes, fancy homes, what basic homes? So they're not We're going to, like I said, we're going to try to keep them as affordable as we can, so people here in Colorado can't actually buy them because it's almost impossible. Now, what price point? What price point do you have?

We we're trying to stay within two fifty to two eighty two fifty to two seventy five. So if you stay to two seventy five, would that include transport? That's that's a three bedroom that's going to be complete? Is that okay? That's on site? Yes, on their foundation, So we're not going to be doing foundations. We're going to put these units on case on so that we don't have all what if they have a foundation, will you put it on their foundation if they want to put a foundation in Ye,

and absolutely so whatever they want to do. So, if they're looking at two seventy five to the site and then you set it up and they have a foundation, dirt working lot, then they're looking at a complete package of five or six hundred probably we're going to try to stay under that five or

six hundred thousand. Is that what you're saying? Well, here, okay, two seventy five for you, the foundation is going to be a minimum of twenty five grand it's or more, yeah, minim Then then you have the lot which is going to be two two fifty if it's if it's a lot that's going to allow them to have that right, No am I am I exaggerating. I don't think so. No, that's but we're looking at properties that are more in the twelve thousand dollars range. What fees that are

are twenty five thousand. So you're oh, you're talking about like maybe half acre, quarter acres? Yeah, you down in Pueblo, Colorado. Stea no, no, no, now I know what you mean. Okay, so you could keep that package to three point fifty Oh yeah, easily. Huh that would be high. Now would you include the lot or will people call you with their own lot and their own dirt work? Well, that's

that's what we're doing. We're sort of doing a spec to start. We're going to do it all ourselves, figure out, you know, all of the everything incorporated into it for pricing, and we're going to go from there. But we're going to try to stay under two seventy five. What name are you giving the company? So it's going to be called Cubic Hose. Yeah, okay, all right, Hey, keep in touch with us. I'd like to know how it goes, I love entrepreneurialism. I love it,

sure, I appreciate it all right. And so bottom line, as Brian said, there will be general liability insurance and a certain amount up to a point. They may or may not cover transport unless you include that, but you may not have to if you call a transport company and they've already done this before and have the insurance. We got more coming right up. Michael wants to talk about a car accident. Brian wants to talk about the

other Brian's social security, and we'll have that right after this. 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. That's sir, Hi, Tom Martino, you're a Troubleshooter three O three seven one three talk three oh three seven one three eight two five five. Welcome to the show, and let's talk now to Mike to Brian about social Security. Brian, you have a question, Go ahead, Brian, I'll go on, Tom good Man. What's happening? Okay,

I'm attempting to record a death with my mother in law. So I called Social Security because I'm still getting medical federal benefits. She passed away in December, and I've been trying to call Social Security, but all I get is a recorded line saying you gotta wait on hold. He stead stay on hold for hour and a half. Then finally it gets to a point where you say to leave your name and number and we'll call you back because of done

precine call volume. So you're trying to she's still getting Social Security? Correct? Have you been keeping that money in an account? Yes? Good? In a savings account account? Good. I just don't know. I mean, do I take off a company because they're going to eventually when they find out, they're going to claw it back anyway, So what should you do? I would if I were you first of at your mother in law?

So who's the legal representative of your wife, my wife. Yeah, she needs to make an appointment with Social Security, probably because it's hell on the phone, it really is. It just sucks. Okay, I mean has she tried to do that and not? Well, she recently had to make an appointment for DMV because that's the only way you can get in there get a new license. So she'll have to. Yeah, I'll have to set

her up for that and see when exactly they can come see her. Now, another thing on the same item, the healthcare facility that she was at, the assistant care where she passed away at. We've been trying to get an itemized statement of what the last month charges were because it's different than what she was typically paying. What do you mean, how much off is it? Well, it's about seven hundred dollars. She paid seven hundred more than

she was normally paying. That's what they're asking for. They're asking for twenty three hundred, but she normally pays about fourteen to fifteen hundred for what is this for a month or what one month? Correct? Well, it's because of unless she died perfectly, she has notice required and they'll charge you per

diem. Okay, Although I'm trying to get a hold of them. I've left multiple messages at the accounting department and we even got a live person once and they said, oh yeah, well, well, an information very unlikely that she died perfectly on thirty days notice. Sometimes it's sixty days notice. Hold on, though, I have information on reporting at death as well. We'll come back to you. And also Michael wants to know about an auto

accident. Hang on, I'm Tom Martine more coming up on the Troubleshooter Show. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Leave time for an insurance check up free, no obligation 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. Yeah news needs You don't have come run anxiousness as you can. Shooter's gonna help coming man. This is the Troubleshooter Show. No Tom Martinez, Hi Tom Martin, you know here, Welcome to the show. Three oh three seven one three talk seven one three eight two five five.

We're here to help you solve your problems. Don't forget three oh three Martino. You can call twenty four seven three oh three six two seven eight four six six. I love Grossman Wellness. I attribute them to much of my health. I've been going to doctor Grossman for many years, and I pay a fat monthly fee for all my prescriptions by supplements, my blood work every three months, and you know, not much can develop in three months. And I'm not saying I'm bulletproof, but I will say this, thank

God for great medicine. And and here's the thing. It's proactive, and it's an above and beyond insurance and all that. I know that, But people, what is more important than your health, right, especially as you get older. Huh Grossmanwellness dot Com for two forty nine you can get started, just no obligation. Just get your blood work for two forty nine,

your exam and your your your consultation two forty nine Grossmanwellness dot Com. Hey, So, Michael, Jimmy Brian's talking about socials security and I did some research here. I did find a few things. There's a special line for reporting death, by the way, and it's different from the regular social security line. Did you know that, Brian? I did not. Well, that's what they say. Now, it might turn out that it's just the regular number, but this one says funeral homes usually report to this number.

If you haven't done it, you can call now. I'm like, I said, that's what this is saying. But then the more I look at it, it might be the regular number. What number have you been calling? You know? Tom, I have that information at home, but I it's a one eight hundred number. I know that. Yeah, that's what this is. But are you in a place where you can write this down just to be sure? Absolutely, yeah, And I'm not sure it's different.

But it's eight hundred and seven seven to two twelve thirteen. To me, that sounds pretty general as a number. But the other one is you must retain benefits or be penalized. And it says it is all right. You can go to the local Social Security office and those to visit you. The problem is, if you visit, you have to make an appointment,

and it looks like that number might be might be general. But I'm on their website social Security and it says you have to file a report with the Social Security number, date of birth, date of death, and have a death certificate. Okay, and you know, I want to say, I think I did something similar to that, But then it said I must call on this number to talk to somebody, and was it the twelve Well okay, well, well I think it might have been. I don't know.

You can do either one or you can make an appointment, and I think they say their, Yeah, you go to your local office whatever that means. You could probably look at that up, but let me know if you need any help after you get home and look at that number and then try to make an appointment. You did file something online though I tried and it said no I couldn't. Oh yeah, they said you got to call this number, and when I did, that's when I got to forever old.

And then they finally said leave your name and number and we'll call you as soon as we can. God, you would think it would be easier. Yeah. I just want to report the death, that's all I want to do, and let them keep their money. No, I know that. Yeah, Okay, let me know what happens on that, because when I see this contact number, so it does seem it does seem that there might be a different number. So I'm not sure I would try that number I

gave you that it did. That does seem to be a different number the more I look at it. But anyway, let me know what happens. Thank you, Brian three oh three seven one three talk seven one three eight two five five. All right, Michael's got a question on an auto accident by the way, Compass insurance we had Brian had to leave. We do have some examples I'm going to be getting to on some insurance check up savings we've made on that. Go ahead, Michael, Hey, Tom, I

was going today. Good, what's happening? Uh? So, I was in an automobile accident back in January. Okay, the other driver, the other driver kind of admitted fault. Basically, were you injured to work with? No, there were no injuries. Good. It was a pretty low velocity incident. But I was t boned. I was stopped at a stop light and they were trying to take a right hand turn and they lost traction. And okay, So we exchanged information and I got in touch with their

insurance company. Oh wait, no police report? No, and no and no. Was it during accident alert? During accident alert? Well you said it was in January and and and they lost traction. I was wondering if it was storing a storm or something. Accident alert is where you don't call the cops because you're supposed to call a cop and report this. Why didn't you guys get a police report? So back in January there was a terrible

snowstorm there, That's what I meant. So it was accident alert. Yeah, but then you're supposed to at least follow up with the counter report. But you didn't do that. No, No, this happened up in Dylan County and uh okay, yeah I didn't. I didn't didn't follow up, sorry, Summit County. Okay. Anyhow, so I got in touch with their insurance company and tried to make some headway there, and they told me, uh, this is gonna hit a limit. I assume they didn't like

the policy limit or coverage limit. Well, what's going to hit a limit? What were you putting the claim in for? Oh? So for the damages because I want someone my vehicle to be repaired. What kind of vehicle do you have to seventeen? Toyota's coma okay, And what do they mean it's going to exceed damages? I don't understand that. So an initial estimate was done, came in maybe two three thousand dollars, and I thought that

was low. So I brought it to a different shop and got an estimate by you know, certified Toyota repair shop, and their estimate came in at I think like seventeen thousand, so quite different. Yeah, But but are these what's your what's your vehicle worth? I think the blue book is maybe in the low twenties, like twenty two to twenty three thousand. Well, they're not going to pay seventeen to fix it. They're going to total it

exactly, okay, And they have a right to do that. But you have a right Listen, you don't have a contract with that other insurance company. Who is the other insurance company Progressive and I don't know. And that's a good company that in other words, they wouldn't lie to you. But I doubt that they don't have a limit that goes up to totally that car. I don't mean the state limits would be above the value of that car. I mean, well, first of all, that what do they mean,

I don't even know what they mean. They can't that it's the limit. Yeah, so I mean the driver is from out of state, they hit me while they were on vacation in a rental car. You you ever right to have your vehicle replaced? Okay. You can either do it through insurance, or you can do it by suing the other victim. They're actually me the other party. The other party might not have any money worth going after, but how much are they offering you? Bottom line? So I

stopped working with Progressive and started working with my own insurance company. Uh, okay, do you have collision coverage? I do, Well, that's exactly what you should do. Yes, So that's what I did, but it kind of resulted in, you know, similar outcome. Basically, their adjuster came out said there was a few thousand dollars worth of damage. The garage showed them their estimate, you know, put the truck up on a list

so they could get a closer look. And so now I understand, is they want total the vehicle your insurance company, Yes, okay, but they haven't. They haven't told me what the terms like, the different the value for the payout is, you know, because I'm thinking maybe I'll hold on to it with a salvage title. Yeah, and you could do that, uh huh. So what you have to do is just do some homework. We have a place called Petty Details and you can find them on the referral

list. Okay, and Petty Details, that's what they do. They specifically do this, that's what they do. It's called Petty Details. Let me find it here. If you just put in petty it'll come up. I just did. Let me just go to it now, okay, sir, here it is. Okay, So Petty Details what it does is it has a free service to give you what that car should be worth or or if they have to do more than that, it's going to cost you money like go to court and all that. But I think that their courtesy service might

work for you. And it's Petty Details, and they're out of well, they're all over the country. They're good people. Petty Petty Details appraisal services that'll give you a fair price. But what do you want? Did you do you have a figure into your head. I mean, what I want in an ideal world is my vehicle back pre collision condition. But yeah, but they're not going to fix it. They're not obligated to. They're obligated to give you what that car's worth. Yeah, and you said it was

what year did you? Twenty seventeen? Right? Yeah, it's in twenty seventeen. It's got about one hundred and eighteen thousand miles a Toyota Tacoma right yeah, yeah, off road package. It's I mean, I've kept it clean, I've brought it to the dealership for all the maintenance, never been in a you know, major accident before. Well, there's a big value depending there's a big discrepancy on value depending on the mileage. Sure, so

what was the mileage all over? One hundred thousand, one hundred and eighteen, one hundred and nineteen. I think that's going to be on the lower end, but I don't know, it's gonna be about twenty grand twenty two Yeah, So, I mean I don't know. So if did you put any improvements on it in the last like ninety days, like tires or anything. Uh, yeah, I got winter tires on it that that was put on last season. Listen, here's the bottom line. Even if you goose

it, it's twenty two to twenty three grand. So what's normally gonna happen is if if if the settlement's twenty three and you want to keep the car, they're gonna they're gonna take out a salvage value. So that could be you know. So here's what's very important. It's important that you take the salvage value figure and see if it can be repaired, and if not, then it's not worth taking. It's that simple, Okay. So the reason the the reason they repair cost is so high is because it's the rocker panel

was affected. Basically, there's a running board and the vehicle hit the running board which is bolted into the rocker panel and which is the frame part, which is a frame. It's way more than a rock Okay, yeah, well it's no a rock slider I think is bolted into the frame. But the unibody construction, that's my understanding, is correct. The running boards bolted into the rocker panel, and so you can't the garade that they can't just

prepare that. They have to put in a new rocker panel, which is taken up which means they have to take off you know, the door, the hinge pillar of the which is framework, which is framework. Okay, yeah, so that's I mean, so there's a safety implication here, right, that's right, that's right. So you have to make sure it can be repaired or you take the money. Okay, I mean, what good is it if they don't take you. If they don't the money they offer

has to be enough to fix it. Well, the but the money they offer is just going to be for what the market value of the vehicle, right, because it's not calling it a total loss. Yeah, they're going to that's right. But when you want to keep it, they'll take away a few thousand whatever the net is. If you want to keep it, there's one price. If they take it, it's another price. Okay, yeah, that makes sense. So you have to take So you want to keep the car and see if it can be fixed, then you need to

get the figure they're willing to pay with you keeping the car. So let's say they're willing to pay fifteen and you can keep the car, or eighteen and you kill whatever it is. You gotta make sure you can do that. Three O 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. 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 oh three seven seven one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter three O three seven one three talks seven

one three eight two five five. I want to go to Brian Burn Now, I got them on the line. Let me bring them up and it's about the some of the things we've done. Hold on, Brian, are you there yet? Hold on? Hold on? Let me okay? Brian? Hey, Tom O right, thanks So. The insurance check up as you always do, but we highlight it on the days you were on the show today three oh three nine nine to six nine thousand, and people call and they get their decks page and see what you can do. In some

cases you can save money in some case. You're honest, you say, no, what kind of examples do we have? Well, I have a few here. I'll share a couple of them. But the ones that I'm sharing I have to do with roof coverage because you and about it earlier. But we had a customer call in there with Liberty Mutual right now, and between auto and home. They were at about eight thousand dollars thirty two oh

six on the auto, fifty ninety on the home. We got them a quote with a company called a Q and with a total savings of almost sixteen hundred dollars. But we moved their coverage A on their home. They're the actual dwelling them out from three hundred and sixty five that's what they had with Liberty Mutual, we moved them up to five hundred and seventy two, got and got them replacement cost on the roof. They had actual cash batus. Oh my god, that is one of the all that and save them.

Yeah, that was one of the best deals I've ever heard. They saved sixteen hundred plus. You got them out of a big jam when it comes to ACV and if they ever had a total loss they were under insured. Yep, exactly, so much better deal. We had another one here. Uh, they are with all State right now, and we're being non renewed because they were not non renewed. They were being renewed with no roof coverage.

They weren't gonna oh oh my god. Oh we we found them a deal with Acuity as well, and we got them replacement cost on the roof and saved them a thousand. Still, Holy crap, Brian, you're kitting out of the park. What else you got? Although that's enough one? Yep, there's one here. They were a customer with with State farm We

they only had ten percent extended no twenty percent extended replacement costs. We got them uncapped replacement costs and saved them on the auto and home sixteen hundred dollars. Oh man, this has been a great one today. Yeah, there's been the and then there's a lot of examples of I see one here moving from Farmers. We're putting them a Travelers. Saved them eight hundred dollars a year. This one seven hundred dollars a year, moving them from liverty mutual

to acuity. I mean, so they're smaller examples as well. Okay, so Brian, I want to remind people they can call you guys ask for the insurance checkup. Is that on your phone tree yet? I'm just curious about it. Yeah it is, Yep, it is good. You can puis. I think it's number one. Okay, so whatever it is, it's three oh three nine nine six nine thousand is where you start. And man, I've been doing this for years. What a great idea and in fact, you can't go wrong. Okay, thank you, Brian, I

appreciate it. That's three h three nine ninety six nine thousand. I love it when things like this go on, right, I love it now. Okay that was him hanging up. You heard that sound Sorry about that now. I said that the FTC has stepped in when it comes to contracts and they have said that they are going to basically outlaw in a way through their regulation. It's not a law all of the non competes. They think non

competes are unfair. So basically what they said was that if you have if you have a they have a rule, and if you have a contract with a non pete, they're in essence banning it. They're saying that it's against public interest. Now, a lot of business advocates. I consider myself a business advocate, but I never really loved noncompete, having been in them my

most of my life in broadcasting. You know, you'd negotiate a great deal and then they come to you and say, by the way, you can't work for anyone else for two years after you leave here, and sometimes it's a year. Sometimes it's you know, that can cripple you and it takes away all your negotiating power. Right, But anyway, some business advocates are

saying that it's unconstitutional. I don't think so. I mean, I don't know enough about the constitution to really get that deep in the woods with it. But the ban is forecasted to affect thirty million million contracts. So what it does is it takes away a company's ability to keep you from working. Don't you think really? I mean, in my opinion, they should.

I mean you should be able to work now. Granted, if someone moved you to a place and trained you, I would have no problem with a financial responsibility if you don't work a certain number of years to have to pay it back, but to forbid you to work anywhere else to me that that is unconstitutional. And they're saying, well, what about trade secrets and all

of that, Well, that would have that's the separate civil action. I guess that if you took trade secrets and took it to another company who competes with them, it could be a problem. But this is one of the things we have to tackle. And really, if you think about it, we're getting more and more liberal when it comes to relaxing things like this. I mean it used to be truly and this is not meaning I love it, and I think, you know, the progressive way is the only way.

Nor am I saying the conservative way is the only way. What I'm saying is this, when it comes to business, I'm all for business thriving, but I also believe that workers have to be able to sustain themselves. And if you're really good and great at what you do, you should be able to peddle your wares somewhere, and you should be able to put you know, put put it out forbid. Who's going to pay me the most or the best for what I do? Because if what you do is not

that great, guess what, you don't have that ability anyway. Three oh three seven to one three talks seven one, three, eight, two five five. I don't know what you guys feel about it, but I think doing away with this is not a bad idea. Joe, what is your question? I'm going to take a quick break, but I want to get

your question and get started on it. What's going on? I just wanted to find out if my rook being you know, twenty four plus years old, do I have to notify my insurance company that I intend to put in the roof on absent of aclaim. It's not a claim thing, I believe. Okay, do you mind holding because this is a great call and I have some advice, so we'll be right back. I'm Tom martine More coming up. Go with a sure thing Denver's Best roofer Excel Roofing dot com.

You don't pay a cent until you're content. 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. Welcome What's long to the show.

By the way, Frank durantirealestate man dot com does a free market value if you're home for the asking. That's Frank Duran, the Realestateman dot com. So if you want to you want to know what your house is going to sell for, this is the way to do it. Get Frank on your side. And there's no obligation to list ever. And that's three oh three nine two zero sixteen twenty two. All right? Can you not hear me? For some reason? Really? Right now? I'm quiet all of a

sudden, huh, I'll boost this? Is it better now? I don't know what happened? I mean something happened to the broadband because I didn't touch anything. And I know Mark makes fun of me when I say that. How is it now still bad? My god? Well, something happened. My meters are all the same here, So should I what should we do? Is it all right? Okay? I turned it up. I'm gonna keep turning it up, but I know I'm gonna be overmodulating tomorrow. But

okay, you all right? Frank durand the real estate man as I said, three oh three nine two zero sixteen twenty two, free market valuation of your home for the asking, no obligation to listen. Now Joe wants to know about doing his roof. Now, Joe, are you buying this house? No, I've been in for twenty years and you want to replace your roof voluntarily because it's wearing out? Right? Yeah, in the full pictures.

I'm at ninety two hundred feet in wildfire country up there, and you know, I'm hesitant to involve my insurance company in any way, shape or form if you're being dropped. So am I able to just put on a new roof? And well, of course you are, But hold on a second. You can't involve your insurance company unless you had an event. You haven't had an ensurable event, have you, No, not at all. Let's wore out. It's twenty four, twenty six years old now, and

what kind is it? Yeah? Shingle? Okay, asphalt? Right? Correct? All right? Yeah, you can replace that roof and a heartbeat. You don't have to do anything, but you could get a discount by telling him you have a new roof. Okay, Okay, that's I want to know. It doesn't work in my favor, it can work in your favor, especially if you get an upgraded shingle is something that might be a little more resistant to anything like fire or wind or hail or whatever. Yeah,

I mean it depends. Well, that was another part of my question. Up at that altitude, or hail tends to be very very small. It's you're right, really, that won't help you up you know what, you may not need to upgrade, and you may not get a discount. I'd like to ask I don't know if Brian's still driving, but i'd actually like to ask him that. So hold on, let me just see if I can just redial him real quick. This is going to be he's already

given me permission to talk to him. I'm just going to talk to him right now and and see if he answers, because this is a good question. All right now. He may be off the road by now, three oh threes. Let's see. Yeah, he's not answering. You reached the phone. Yeah, okay, so he's not answering, but I can we'll find out for sure. But I know for sure you don't have to contact them for this, but you may want to That's the part. We have to find out if you're going to get any credit for that. And Excel

Roofing might know it. They might know that if we can get I don't know Kachina, if Jay's around, if you can find him. I didn't ask him ahead of time, so I can't call him cold. But you might want to call Jay and see if he's around at Excel or Henry, and then we'll get you an answer. If you want to keep listening or Joe, You're welcome to come back on tomorrow and we will talk about it. I have some major news right now, all right, you want to

hear what it is. Well, I don't know if it's major news, but there are a lot of things going on, and one of them is lawsuits. The University of Colorado's vaccine mandate, by the way, violated the constitution. Okay, and this isn't just decided, but there was another court of appeals that upheld the decision just recently. So what happened was they were illegally mandating vaccinations and they are now opened up for a number of lawsuits.

And no one's talking about this now. I think they're not talking about it because the original mandate that was ruled and was back in They said that it was back in September of twenty twenty one, but then recently the US Court of Appeals for the Tenth Circuit said that it was illegal. It was unconstitutional. 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. 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 oh three seven to seven to one. Help. You'll think you're his only customer when you choose Frank Durand the real estate Man dot com to list your home with Remax Alliance. Three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter. Somebody sent me a money request from

PayPal? Have you ever had that? I never heard of the guy in my life. He wants me to send him seven hundred and eighty five bucks. Now, seriously, I have no idea what this is about. Don't recognize the request. Make sure you recognize us for what the hell is that all about? Folks? And I just got it. He said to pay up anyway, Joe, I got Brian Burns on. I want to bring Brian up hold on Brian, Compass Insurance Group. Still there, Brian. Okay, Brian, will you will you get a discount if you put on

a new roof that's twenty four years old? Should you call your insurance company and tell him he's not doing anything special, just putting on an asphalt roof, but he's in the map. Absolutely. It's one of the biggest things we tell people when we call him is that. Unfortunately, even if you have an insurance company pay for that claim, the underwriting department does not communicate

with the claim department. So you need to make sure you let your agent know that you had your roof replace so that they can update the police. Okay, you a discount, Great stuff, Brian, Thank you, And that's Compass Insurance Group. I love all of the information they give us. Thank you, Brian. So bottom line is you do it. Okay, I'm gonna let you go now, Thank you, sir. Appreciate it all right. That's Brian Burns's compass insurance. Always get your insurance check up.

Three h three nine nine six nine thousand. Okay, I read that a little wrong. It definitely was a recent ruling. It was. Here's what they're saying, the vaccine mandate from the University of Colorado back in September of twenty twenty one. What clearly violates the Constitution according to the US Court of Appeals and Tenth Cicket Circuit Court on a decision just released. It wasn't a decision back in twenty twenty one, I'm sorry, it was the mandate released

September twenty twenty one, and the mandate was ruled as clearly unconstitutional. Now, this was the result of a lawsuit, but there are many other colleges that did the same thing in universities. By the way, employers. You know, what's amazing to me is the right to privacy on your body what they're invoking when they talk about abortion. You know, the same right should

be extended for anything like that. Right, So bottom line unconstitutional. Now, I know people are gonna say, well, well, was that a conservative judge or a liberal judge? You know, of course we always ask that, we never we never accept things do we unless we know where it's coming from. By the way, renew home Innovations dot com. The reason I'm mentioning it someone wanted to know, do you really get seventy two months to pay with no interest? That absolutely yes. Now you can call them

for your bathroom three h three nine zero four to two thousand. I just wanted to recognize that because it was a text message and they wanted to know if that's true. It is seventy months no interest. Also, they do it in two or three days. Renew home innovations dot Com. Now, on another note, the non compete claus is shot down, so workers have more rights. If you are looking to get a you just want to get another job and put your you know, put yourself out to bid, they

can't hold you to say you can't work for a competitor. Now. Also, did you hear that if you work this summer and you stay with your job, young people, you get an extra one thousand dollars from the city of Denver. That is a true story. Yep. The Denver mayor loves spending money unless it's on the police department. But he'll give you one thousand bucks if you're in high school and you work for the summer and stay with

your job. You got to find out more that's Denver for you. So we're simply out of time, folks, and it's important that I tell you three to three Martino. You can call twenty four to seven for help information. Get your number in there. We'll call you back three zero three six two seven eight four sixty six