The Troubleshooter 7-1-24

Y'all ripped up news need advice, so you don't have the come run into Just as fast as we can. Shooter's gonna help coming Man Dix. He is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here. Welcome to the show, and welcome to summer, and welcome to sun, and welcome to heat, and welcome to life. We are here to help you solve problems, answer questions, take complaints, make your life a little easier. Welcome three oh three seven to one three talk for those streaming you

see in my wife shot. I got to my right here, Brian Burns from Compass Insurance Group. We love talking insurance as well. I had one little inquiry on my on my texting. Now you can text the show as well as call. First you call as I said, three oh three seven to one to three talk, or you can call twenty four to seven three h three Martino three oh three six two seven eight four sixty six and we'll get that no matter when you call, and you can leave a message and

we'll get right back to you on it. Okay. In fact, we have someone there who called and then I did get though. I want you to look into this. I did get one to see one guys that he called for an insurance check up June thirteenth, provided all the necessary documentation. The same day, some guy there, I'll give you the name off there says he's been working on it and would send him results and he never got any so far. He said, he said, could you ask him what

happened? You know, basically, we don't get a lot of these complaints. But do you get like waves of uh, probably when people get their bills. I mean, do you get waves of insurance checkups? Right? Yeah, you do, and for the most part you can. You can turn them around in a decent time. That's not acceptable. Obviously, I'll look into the and figure out. But there are times where it's really complicated.

It's much more complicated, and in this market there's just so many companies not wanting business that you you really have to work it and talk to underwriters and it gets suspended into underwriter desks and it could take a couple three days to hear back from them whether they'll prove it, and they ask you questions. So it is a process depending on the circumstance. But yeah, June thirteenth is way too long. Okay, I'm saying that he is looking into

it. So and that number of you guys want to text it now, you can go as I said, five seven seven three nine, or you can text my Google number. I've been giving that out. It's been working. A lot of people are Google are texting me. Yes, it's kind of cool. Number seven four seven nine nine, fifty two eighty. And the reason for that, as I said, it was, you know, seven four seven I love airplanes, and nine nine nine was four as close to ten as I could get, you know, and then fifty two eighty

for the mile high. So seven four seven nine eighty, let's talk to Robin. Hey, Robin, what's going on with you? What's happening Robin? So, I have a problem that with the United baggage? Oh man, hold on, I just can't believe this. I've gotten hold on just recently. I've gotten about five or six of these complaints just recently in my email and stuff. And the one I just got I was just reading a minute ago before the show started. I'll I just want to tell people what

it is. What just for the heck of it, if yours is like this, so he said, he traveled, blah blah blah. Right he got back, they lost two bags. No one told him anything. There's no one to talk to. You're just left out in the open. He finally he said, you know, long story short, a guy did find bags three days later, and then they come and they just deliver them. They drop them on the doorstep and they were all cracked and destroyed. Sonnyway, what's your problem? So MINEU is? I can top that. So

I went on a vacation May twenty fifth. I returned home near to Colorado. I didn't get one of my bags. It was checked onto the carousel. Looked on the camera literally seeing the man steal my bag from the carousel. What yes, yep, walked up took it. So needless to say, I lived three hours away from the airport, went back up there. Made wait wait, wait, when you saw him do that, what did you do? Well? I didn't know it was my bag because I didn't

I don't really travel, so I didn't have anything distinctive on it. But my sister and I we thought to ourselves, gee, that looks like our bag. But it was a black bag. So we're waiting for the other bag to come around. Because there should have been another one. As that happened, the United assistant says, if you don't find your bag, I set some over here. Well, of course they see the other because it's a teel turquoise color. I'm like, oh, there they are, walk

over there. There's only one. At that point I realized that probably was my bag. So I went through the steps, made the report. I told him I seen a man take my bag. I'm certain that. I mean that, you know, give him a description. I'm certain that that man probably Well what were they supposed to do at that point though? Nothing? Yeah, I understand that, because they said it may be it'll come back, so mind. In fact, I would say that that kind of

puts them off the hook. They delivered the bag, somebody stole it. That's a that's theft. However, they took me. Here's where their responsibility life. Tom Okay, don't make they I d me, they make sure before they take my bag into and check it that I proved that this is my ID and this is my bag. And anybody can walk down to a carousel and take anybody's bag. There is no nobody ID you, nobody's right, your numbers, nobody checks you at the door, so anybody can take

it. But they left to say it didn't come back within a few days. I called the security up there, drove back up, made a police report. They went to the cameras because I had IDs this person that I had taken my back and what did they see? Lawrence? He has some warrants. He's kind of not a real good guy. How did they know who he was? How did they know from the cameras? And then they

but how did they know his name? Well? Through a picture. They just send it in and they can say, yeah, that's so and so. Okay, so they do have a suspect. Yes, so it was in your bag. By the way, what was in your bag? All my souvenirs from my trip? I'm not I'm not sure. Listen, I'm not really sure. I'm trying to noodle this right now. Okay, are you thinking United it's responsible? I mean it's a thief, right, so, yes, But United is responsible because why because United took my bag and

they are responsible for my bag until it gets back to me. No, that's not actually, that's not actually true. That bag was put on the carousel and somebody came and stole it before. I mean they got your Wait, they got your bag to the location. It's you that didn't pick it up. You even saw someone pick it up and walk away. I listen, I'm not trying to argue with you, but this is completely different than the other complaints. They did get your bag to its location, they put

it on the carousel. I mean, how can they be responsible because a thief went in and took it. What you're saying is in general, Hold on, you're saying in general. I get it that airline should have a better system or the airport should have a better system for people retrieving bags. But I'm gonna tell you something that's not negligence on United's part. That is the system. They're operating within the system. They've done nothing unusual. Do

you see what I'm saying? Under the current system, they did nothing unusual. That's correct, and the system sucks. I agree with you. I totally agree with you, and I would be just as pissed as you are. The system sucks, but United. I'm not trying to stick up for United, but they did not do anything wrong. So how do we change the system? Well, how's that going to help you? Right now? I mean this is sucky. Can they find this idiot? It's been a

month, you tell me. Obviously not. And then it happened in Denver two. It came on the local news about oh, I don't know, maybe a week or so after that, they actually arrested a guy for stealing luggage out of it out of Deia right around the same days. I don't think it's the same person. I contacted the police officer that was. You know what, what I don't understand is what so you had no way of identifying your bag from sight? You just thought it looked like yours, correct,

because it was just a black bag. I mean, I knew what brand of bag I had because I'm not much of a traveler. So well, do you have a tag on your bag with your name? Was there a tag on it? It does sort have a tag on it. But he so confidently just walked up to the carousel, stood there, took that bag and walked away. You assume, I assumed it had something on there that was recognizable to him to know that that one was his bag. And so then tell me what you think should be done right now? I'm curious,

No, I'm its policy. They are responsible, Well, I've been talking to United. Okay, so you hold on. United admitted they're responsible. Correct? Why correct? Just tell me why? Because they took my bag from me and they didn't get my bag back to me. They don't guarantee hand to hand handoffs. I'm sorry. I'm sorry, Robin, we can't agree. I'm sorry. I'm so so sorry. Three oh three seven won three dogs. I'm sorry. Listen. If they agreed they're responsible,

then sue them in small claims court and collect your money. Okay, because they're gonna come and they're gonna say, Robin is right, we're responsible. They did nothing wrong. Does anyone agree with me? I mean, I mean, come on, did they do anything wrong? I want to know about homeowner's insurance? Brian, it's an obvious question. What about homeowners insurance in a case like this. I want to know about that. Yeah,

your personal property is covering into your owner's insurance. But most people have a deductible that's going to be greater than what the value of the stuff in their and their suit. Well, what if she bought stuff there that's not part of her It's still hers at the time that she purchases, it's her personal

property. So it would fall underneath personal property. But I mean, you know, if you think through, let's say she has at the minimum one thousand dollars deductible, and let's say she has three thousand dollars even worse of a personal property. If she called me, I'd tell you, don't make a claim for two thousand a net two thousand dollars just because you get penalized so much from insurance companies for making that claim. I would save a homeowner's

claim for a much greater, you know loss. Somebody just said on YouTube, get the Apple air tags. Yeah, you know, wasn't Wasn't there a story that just came out where this happened where someone's luggage was stolen. They had an air tag in it, and it ended up they tracked it

to an airport employee's house. I think it was in Florida, and they had a whole operation going where they were stealing luggage bringing it back to their house and she had computers and everything in there, and they busted the guy. You went to jail. Well, you know, Tom, the only way to prevent this would be to have somebody check your baggage against the you a coupon that they give you. And can you imagine, well, some airports do that, you know, well, can you imagine the uh,

the backlog that would It's not as bad as you think. I've been to airports where they have a corral and when you leave, you show the guy your tag. Can I can imagine how many people would lose their tag in between when they left. I mean it would. I agree with you. I think you would have a huge back horrendous well anyway, but that's the only way to do it, Tom, Yeah, okay, Doc, thanks for being there. By the way, I don't I don't feel comfortable calling

this their fault. And by the way, we got a lot to talk about, a lot of consumer news plus your calls. Please hang on, I'll get right to you. Three oh three seven one three talk seven one three eight two five five. And of course, waterpros dot At the best water systems, the lowest prices. I can't say enough about them because I'm a believer in pure drinking water. If nothing else, it's even more important than supplements. For God's sakes, waterpros dot At three O three eight six

two five five five four 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 Martinez here three oh three seven one three talks seven one three eight two five five. I'm gonna go back to the phones and help you any way I can, because that's what we do here. And another thing you can get help with

is Frank Duran does real estate analysis. I can't stress this enough. So many people are thinking about selling their house, but they don't know what it's gonna sell for, so they call people and they usually end up going with the person who says, oh, yeah, your house can sell for this. The worst way you can pick listing is by what someone says they can sell your house for. They have to show you and don't be surprised with Frank Duran when he shows you if he said that's what your house will sell

for. But we're gonna ask less, and you're gonna say why why don't you ask more and ask come down. Frank's got this pricing strategy that's proprietary that it's an amazing phenomenon because he gets all these people interested at that price and then it goes up because they do a bidding war. Look at the man is genius. But you can get an analysis without any kind of obligation. Three h three nine two zero sixteen twenty two Frank around the real Estate

Man dot Com. Okay, so Sharon, no, no, I'm gonna go to Elaine real quick. Elaine, because she called in, we're calling her back. She needs advice on an HA. Go ahead, Sharon, what's happening? Com? Can you hear me? I can Sharon welcome? What's going on? Oh? This is actually Elaine? I'm known with the HOA question? Okay, I'm sorry, Elaine, you're right, Okay, go ahead, Elaine. You can call me Joe Biden if you want.

Go ahead. No, not your clothes, okay. So I live in Massa County in northwestern Colorado, and I am out in County and we are trying to put together in HOA for our small community. Our issue is we have people that are trying to subdivide their acreage and we just want to have some say in what kind of dwelling they put on the property. Well, I've done fourteen hoas, so yeah, I can help you, but I

caution you just from what you've already told me. There's some things you need to know first and foremost, you can't just go out and take a group of homes, call it a community and form an HOA and then make it retroactive, for example, on rules and regulations, because people moved in there with none of those rules or regulations. But it's easier to modify what's already there. So I need to ask some questions. This so called community.

Is it a subdivision? It's part of what they call the Johnson View estates, But we're trying to do it just for okay, I'm asking. So Johnson View of States was a planned unit development at one time. That's correct, and then you just have a sub section of that you want to do. That's correct. What makes that sub section? It's divided by your roads. So our private road is John and View Court. But is it okay? So do you only want to do people who live on that private road?

Correct? Who maintains that private road? We do? And how do? What does we constitute? How many homes? We constitute? Seven homes each has an acreage of thirty five Okay, Now these thirty five acres on this street? Do you have a joint maintenance agreement for the road? We don't. Then how do you know who pays for what? We just have always split it up equally between the homeowners. Pretty dangerous. So this community

is simply loosely this many people on a private road. Yes, okay, it's going to be near and possible to do an ha without one participation. Do you think you'll get it right? We would get six to seven might be a hard cell. Well out of total? How many will you get out of total? Give me numbers again, I'm sorry about how many? Seven there's seven residents. How many will you get? The six are for

sure? The seven we're not about. Okay. Now, if there's no original agreement whatsoever, you got to look if it was a planned unit. If it's not, you can't simply ban together six homes. Grab a guy and call them number seven and then tell them what to do. Right, Okay, if you can get together with an agreed amount of rules and then you want to change those rules once it is in place, you can do that with you can change retroactively with seventy five percent of the membership. But

if it's not there to begin with, you can't create a membership. Beitryly throw that guy into it votes seventy five percent to change what he can do when he never had those conditions to begin with. Does that make sense? It does. The thought was that what is it? What is an existence? You would kind of be I guess grandfathered in for lack of a better term, It would be for quote new build type thing only. Yeah,

yeah, I understand that. But that is retroactive because he had thirty five acres and you want to you want to tell him he can't have seven lots. Great, okay, that's retroactive because he he he, you're going back, he bought thirty five acres. Maybe with the intent of subdividing, you could do this. You could get the six homes together that agree to this and just make the rules so it can't keep happening. The other thing. The other thing you could do, and and is the county is the one

that rules whether someone can subdivide. In order to subdivide thirty five acres, someone has to go and do public hearings and get approvals. So do you think it's going to be easy. Wait, we went through that process once already. Who's we who on your street? On your road? Yes, everybody that touches his property. We were all notified by the county. There was a hearing beginning of June. Was he approved? He was not approved. He had safety violations that were against building. Okay, So do you

think he's going to take another shot at it? He has been taking shots at it every week. They've told him that he cannot proceed with the subdivision until he makes right. Okay, he's wrong with the violations. But in addition to violations, they could rule against him simply because it's not conducive. It's they don't have the services, they don't have the you know, that's what the public hearings and the up planning commission is all about. And then

they make a recommendation to the county commission. So does the county commission in general want to see more development that I'm not sure they had expressed in the meeting in June that ultimately, you live in the county for a reason, it's your property. You do what you see fit. But since he was in violation of building code and some other easement issues that they were going to deny at that time. Okay, listen, here's the thing. You're going

to have a tough time doing what you want to do. Okay, you can do a homeowners association, and you can even do it with him, but it's only going to be upon agreement, and the agreement's going to be based on your bylaws and your covenants and all of that. What you can try. Do you think he's going to say no? I think in the last meeting the commissioners advised him to work with his neighbors since there were so many of us they're represented the area saying we are against this and the reasons

why. So they advised him would probably a good idea to work with his neighbors. So I'm hoping that will bring through, Okay, because that's your only hope. I mean, you can't make the guy do any You can't just go in group some houses together and then start dictating terms to somebody.

But that doesn't mean he just gets to subdivide. The county will make sure it's conducive and they take into consideration adjacency, meaning if the land around it is not like that and they're all opposed to it, there's a very little chance that this guy will succeed. Okay, Well, the concern is he in the plan to split it up. My property is directly across and the way he had it set up, there would now be three homes directly across from my home. Yeah, but that's the only thing. The county is

concerned with, police protection, fire protection, roads. I mean, what is he going to do about roads? Is he going to dedicate him to the county and bring him up to county standards. What's he going to do for access? Right? Yeah, if it's a private road, do you understand if it's a private road, you guys can and all of you are maintaining it, you can tell him you're not going to allow him to do it because use your road. You have to put in another road. Now

that that's something you guys can do. If you all own part of that road, you can vote to keep him off that road because you don't want ten times the traffic, okay, And how would I go about that? Because I well, okay, well the way you go about is to see an attorney. That's what you do. Okay, But let me just because you're going to do it all wrong if you don't. But the bottom line

is this, and this is really important. You have a joint road agreement, whether or not it's in writing, because you all chip in for that road. Now, logic will tell you that if this man wants to turn one lot into seven lots, or one lot into whatever how many lots, it should not. It's not going to work. So so what you do is is he willing when he let's just say, instead of one house there, now you have six? Is he willing to pay for most of the

road maintenance? Has he ever talked about that? That's what you go to the county about, not about just you don't like three houses next to you. None of that matters. You talk about services and maintenance and fairness. And I think you guys can form a group a joint road agreement and if he won't sign it, fine, then he doesn't get to use it. You can vote him. You know, you have some power there because you all share a road that you but you have to look at a survey what

parts of the roads you guys own. Do you all own all of it or do you each one own part of it. You've got to get a real estate attorney. Brad O'Brien is one of our real estate attorneys if you want to call him and he may not be able to handle it up there. You know, Brad is very specific in what he will handle and what he won't handle, which is fine. I'd rather do that than mislead people.

But start with him. Let me give you his number. It's Brad O'Brien, O'Brien Legal Services seven to zero three seven zero three seven zero seventy three eighty eight seventy three eighty eight. Perfect, Tom. I just want to say thank you so much, but going online has been so confusing and quite frankly er. Yeah, just call me if you have any questions. I've been through this a lot three oh three seven on three talk. By the way, thank you eight eight eight. Heating dot Com they can handle

your air conditioner problems right now. In fact, that's what they do with honesty and integrity and great prices. So if you're having a problem, give him a call. Three oh three seven seven zero two seven seven six Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Plea 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 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. Hi Tom Martino, you're troubleshooter. Welcome to the show. I want to get to the phones. It's it's really important that I take a priority for calls. But we have a lot to talk about today. Sharon. Hi, what's happening Sharon? Well, in May I went to

a guy of Betty meeting here in Lakewood. And anyway, what is a diabetic meeting? Is it of fellow patients and people with diabetics diabetes? Yes, it's just a meeting. Yeah, okay, And what was it about? Well, it's about helping you get better basically, you know, getting well from your issues. It was just not for diabetes. It was for you know, other things people were having, Okay, medical issues anyway. Okay, So my daughter and I thought, okay, this this program sounds

pretty good. So what happened is she was going to go in with me and now put on this This is the sixty four question. Who put on this meeting Older Chiropractic in Boulder Shitty, Nevada. Okay, so we're talking about Boulder City, Nevada, not Boulder, Colorado, right, Okay, So it was sponsored by the meeting was sponsored by or put on by Boulder City Chiropractic. Well, actually it was Boulder Chiropractic. That's the name of

the company. Got it And it was put on by a doctor, Tanny, and he was so impressive, and my daughter and I were going to go into the program, and so and what was what what tell me this program? There's nothing wrong with doctors, both chiropractors, mds and osteopaths. There's nothing wrong with doctors having concierge or progressive medicine or proactive health programs. But what was involved in the program, Well, what was involved is the

signing a what it is? Here is the program card and you sign that and the next day, well, what does that mean? What does that mean? Were you obligating yourself for some long term program? Yes? Okay, now that's your first sign In my opinion of a charlatan, I know of no decent, no decent proactive concierge clinic for health will make you obligate yourself. So how long are you obligating yourself? Oh, for about three years? Okay? And how much? How much? Well if six thousand

dollars for about three to four years to pay it off? Hold on, no, no, no, I'm asking the total cost of this program. If you had cash that day, what would it be for a three year program? Six thousand total? Okay? Now I'm going to tell you something. I don't know what it what it includes, I don't know. What I don't like is that you're obligating yourself upfront and you can't cancel. You're telling me that's right. I don't like that at all. That to me,

to me, that that's a sham. However, the price in and of itself is not unusually high. There are many many doctors I'm part of a concierge program with an MD, and I do a I do a monthly payment. I think it's like three hundred or some but but what I do is includes supplements and prescriptions, and it includes consultations and blood work every three months. And I can call or text anytime. It it but it's I can cancel anytime too, or I can downgrade or upgrade the program, depending

on what I want. What I don't like is that the idea that you pay six grand and if you don't like it, or if you run into financial troubles, that's just tough crap, is what you're telling me. Well, right, but the next because this is this is as a program. It's one hundred and sixty six bucks a month. That's not terrible. What I don't like is they don't let you cancel because okay, but tell me keep going with your problem. By the way, I just wanted to make

that distinction for people. Go ahead, Okay. Well, my daughter and I met with him and I signed a program card. The doctor filled it out because he put on the note he was in a rush to get to the airport, so she initialed everything. Well, I did not initial everything. He signed me up for a VIP membership. The next day two thousand

dollars was taking out out on my card credit card. But anyway, he gave me this new clinical nutriceutical shake, and my daughter decided she didn't like it, and so I compared it to a shake powdered shake I had got at Costco, and my powdered shake at Costco has twice the minerals probably yeahs twice. Anyway, did you decide let's get right to this. Did you decide you don't want to be part of it? Yep? Well did he

let them know that? What did they say? Well, I can't get out of it, and I've also sent over an email to them and the reason why I wanted to get out of it and what they did for me. Hold On, this is a bunch of crap, Deputy Doc, you know where I'm going with this. We need to call this clinic. We need to get some of your permission or do a conference call. This is a lot of crap. We got more coming. Hold on, we got just wait wait, wait, wait wait, I'll talk to you. 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, wait 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 Martine, you're a troubleshooter. Three oh three seven one three talk three oh three seven one three eight two five five. Welcome to the show, folks. Now, what are we gonna do? We're gonna have deputy Doc? What were you gonna say? Doc? I think we should call these people. And what I was saying was, how the heck is a chimeractor dealing with or treating diabetes? It's absurd. Well, here's what they deal with. I listen, I've heard

of them all. They deal with wellness. I don't mind that they can do supplements. They can do all kinds of stuff. Now, a good chiropractor, there's a difference between giving you supplements and saying that the supplements are going to treat diabetes. Well, I don't know what they say because I haven't been there. Okay, Doc, I'm not that. I don't want to get hung up on that. Here's what I want to get hung up on. Okay, you're right about it, though, you're right. But

she said she had diabetes. Maybe that's why she went there. I don't know if he made claims about diabetes. I don't care. I don't want to get sidetracked. I want to go on one thing. Why is it non refundable? Why if he's not going to render the services, it's a bunch of crap. What did he go out and buy a bunch of equipment for her? You know that's a bunch of crap. And listen to meet people. I'm going to tell you something about chiropractic, and I don't give

a good damn if people don't like it. If chiropractors don't like the sure sign of a bad chiropractor is someone who becomes a chiropractor and works every day of their damn lives trying to get out of adjusting people. And they do everything else from magnetic therapy to light therapy to nutritional therapy. To red light to There are so many scams and ripoffs, and they call themselves doctors. They're chiropractors. They're not medical doctors. Okay, but medical doctors aren't chiropractors.

Stay in your frickin' lane if you want to do proactive health. Give people an out in case they want to get out. We're gonna call these people. It sucks. 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

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, ripped news. You need advice who you don't have? Come running sus fast as you can. Shooter's gonna help. Come man, this is the Troubleshooter Show. No Tom Martine, Hi, I'm Tom Martino. Welcome to the show. Three oh

three seven one three talk seven one three eight two five five. Hey, don't forget that Denver Regen dot com for your semiglute Tide compounded two hundred and seventy five bucks a month for the weight loss drug that is making headlines and it's pennies on the dollar, Denver Regen dot com. Now you know, Ryan called in while Mark did the show a few weeks ago or more so go No, it was actually, yeah, just the last month. And anyway, he called in, and I'm going to sum it up real quick.

He bought a brand new truck twenty three Dodge Ram thirty five hundred, and he had an oil change of Big O'd tires and he heard an engine knock after that about eight thousand miles later. Then he took it to the dealer, Castle Rock Chrysler Dodge Jeep. They said it was the fault of Big O'. It was low on oil. Not only was his engine ruined, it would cost him more than forty thousand to get it repaired, but it would not be done under warranty. And in fact, they voided his

warranty so he could go nowhere else. Ryan, Do I have that pretty well summed up? I'll be as surd and you didn't know what to do. You were pissed off. Mark was pissed off. He for some reason just believed you and took it from there. Mark. It was when I found out the end of the story and I, you know, we talked a little bit about it Friday, but I wanted Ryan to come on and just verify everything I was saying actually happened to him because it's so unbelievable.

Plus we wanted to get the managing partner, Funky Joe Medina on from Castle Rod, Jeep Dodge, whatever the hell is doing, well, tell us what happened? What did you do first? Mark? What did you have Ryan do well? I told Ryan more than anything, what I needed was get me the information who he was dealing with down there, and he got me. Joe Medeene, I believe his first name is Joe, the managing partner. So I talked to him and I kept telling Ryan, I kept

pushing them. I said, you got to have these guys put something in writing what happened and why it's not under warranty. Put in writing that there's only three courts instead of just telling you, put something in writing. So we can talk to an attorney and figure out what the hell to do next. And he kept bugging them and bugging them and got it escalated up to

somebody that worked a Doves. Bottom line, the guy that works that Dodge said, we're going to go ahead and tear into the engine and make sure it wasn't a consumption problem, and we'll go ahead and pay for that, but you're probably still not going to get a warranty on the engine. So this guy brings it to a different dealership, a Rappa ho who did a

bang up job. And guess what, Tom, this is unbelievable. Not only did they lie about only three quarts of oil in it, it was full of oil, but on top being full of oil, the engine was in perfect shape. These guys lied about the entire deal and tried to get them to buy a forty one thousand dollars engine. Wait a minute, so are you saying it's now fixed? And what was wrong it was? What was it? Not? The clutch plate? What do they call it? Ryan? Yeah? It was the flex plate? You're right, flexplate?

Wow? So you believe it? They had it fixed in a couple of days. I can't believe what ripoff. These people are Now I started thinking, Okay, anybody could make a mistake, But how do you tell the guy that there was only three course of oil then void his warranty in the Dodge system And I got a screenshot of it. They literally did it. I saw it firsthand. They avoided the engine warranty on that vehicle right there in the dealership. How do you do those two things? Try to sell

them a forty one thousand dollars engine on accident. Do you see anyway that's possible? Well, yeah, if you want to be a liar and a cheater, I see where it's possible. I mean, could they be that stupid that it was a mistake? Ryan? You either way, let's put it this way. Let's put it this way. Either way, whether it was intentional or unintentional, why would anyone in their right mind ever go to Castle Rock Chrysler Jeep whatever the hell they're called, Chrysler Dodge Jeep. Listen,

here's the deal. This is the idiot funky Joe Medina in Castle Rock? Is that his name? He's the general manager? Is it Joe Ryan Joe Jose? I think, oh Jose, Well that's Joe Monkey Jose Medina, pull some accent, come to us that I can, and we'll spend your money. I really like to hear what you think about the whole thing. You're the one that dealt with all these clowns. Yeah, Ryan, I'm looking. What's Yeah? I just I think we brought the truck in

the becher and knocking the engine basically a doom. There was no oil in it. And threw his hands up at that point. You know, if they would have spent the time actually digging into the engine that they putting together to repair the actual truck, Funky Jose Medina, you know it's pretty parent. You know, I was told that engine pan was dropped and there was three courts of oil that never happened. In my opinion, I did that guy. He actually told him they dropped the pan. A little media,

you know what I'm telling you, they better do something? Is foundation the owner of this place. A couple of SIPs of this love. I'm not positive, man, I just don't know for sure. We gotta get go above Funky Jose Medina's head. The GM said he won't come on the air and address this. Why would he? He got caught red handed either, either they're stupid or they're cheaters. Which one is it? Don't know what? Okay, well, funky Joe Medina or Jose Medina. Oh, Ryan,

I do want to say that a rapa ho Dodge. Thank guys, these guys were honest and found the right problem. Man, I can't believe it. Those tricksterres voided your warranty. Now, Ryan showed the photo. But they did, Man, they killed your warranty on that engine nationwide. It's backed, by the way. Now Ryan has his truck and it's completely fixed. Ryan, all right, not only Hey, and poor Ryan walched

his wife this year. Man's only thing to do with it. But that's just you know, he's a single Bye God everything you must all right now listen, I gotta drop off, guys. I'm coming all right, Manner. Thank you Mark for chee, thank you for working on and we definitely deserve this. The dinger goes to Ryan today. Hey, Ryan, Mark too, So Ryan the man, stay in touch with us. You got your truck, it's fixed. We know better not to go to Castle Rock,

whatever the hell it is Castle Rock. Chrysler Dodge Jeep at seven to zero seven three three seven zero zero three don't. I mean, what excuse do they have? Either stupid or they're lyars and sheeters? Which one is it? Which one? How do you not fix that truck when the other dealer did and you wanted to spend forty grand for this guy? Think about that? So we can I think we can add that to our total that we have helped people with now on cash, merchandise, exchanges, refunds,

and services. So it does pay to call the troubleshooter. It does pay. Three zero three seven one three talks seven one three eight two five five. I love doing what I do. Hey, renew Home Innovations loves it too. They love doing beautiful showers, beautiful shower conversions on that old ugly shub. You know what a shob is. It's a town. It's a

shower and a tub put together. They're ugly, those old tubs. He takes them out, puts in a beautiful new shower, stone walls, glass panels, no thresholds to stumble over, beautiful laid out exactly the way you want, perimeter drains, And here's the deal. Two or three days and you have, guess what, seventy two months to pay with no interests three oh three nine zero four to two 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 check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven 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 Arsino here three oh three seven to one three talks seven one three

eight two five five. Let's talk to B. And then I want to go back to insurance because I do have some questions that were texted into my Google number. Okay, ah, B, what's going on? Okay? So I had to stay at an r V UH trailer UH spots and they people live in their trailers. There's trailers and RV's out there, and we I stayed there for a few months. Now, what do you mean you stayed there? Do you have do you have an RVB? Yes, okay, okay, in a camper. So what's the name of the place you

stayed? Oh, gosh, Mountain View at States in Colorado Springs, Mountain View Estates r V Park, Yes, okay, And what happened? So I never got a lease from them. The lady would never answer a phone. In no, no way. So this wasn't like overnight. You're talking about a long term. Yeah, from January, from April of last year to January of this year. And it was that originally what you had planned to do. Yeah, okay, it was a month to month, but I knew it was going to be six months to a year. Okay,

So anyway, what happened? So you went from April to January twenty twenty four? What happened? I kept asking her for lease, and like they would never answer their phone. They always had a sign on the office. It was just a shady you know, it wasn't round properly. But anyway, they ended up getting a new person in there because they said that she was still she was stealing from the trailer park. And anyway, it took

him. I gave my notice on January third, and he goes, I'll give you the deposit after I get the last billing from the utility company, and it took two months to get that. But well, according to the check that he wrote, it took two months, but we actually didn't get the deposit until three months later. Did you get your full deposit? They kept a little bit because of the YouTube. So what are you call it? Okay? So what are you calling about? If you got most of

your deposit back three months later? What can we do for you? Yep? Because I want to know if that was done in a timely manner. No, it wasn't. Probably, But but you don't have anything. You don't have anything to Here's the way the law reads. Okay, it has to be done in thirty days unless you have a written lease extending it to

sixty days. Okay. And it wasn't done, okay, okay. So the fact that it wasn't done means you have to write a demand letter and then if they don't do it, then you can sue for treble damages. But you didn't do any of that. You just waited. Now, I don't know. I don't know the answer to this, really, b I don't know. If you didn't take action and they sent it late, do you still have damages. I don't really know. I think you need to

give them notice. Then they refuse that notice, or they ignore that notice, then you see them. I don't know though, I really don't know the exact and I don't know that either because we never got the lease, or we can try to find out, you know what, as I said, Brad O'Brien might know that. What's far Well, it doesn't matter if they're statutory damages. For example, doc, if a landlord does not return your deposit within the statutory timeframe, which is thirty days or sixty days,

depending on the lease, then they can be sued for trouble damages. And I don't you don't have to really show damages. But in this case, she never made a demand. Now they sent it late, but she never made a demand a demand in writing? In writing, did you make it? Okay? So they're going to say you didn't make a demand. Okay, they're going to say they simply sent it to you. And can you even prove when you got it? No, because that's the thing I've got.

Well, I do have the stamp envelope, but they wrote the check in uh, the letter saying we took blah blah blah for the uh and what is that letter dated? What is that it was on March the third. That doesn't tell me what was the letter dated? Within sixty or thirty days? Well, yes, for them, but the envelope is stamped after sixty days. Okay, okay, okay, then it's all going to be

a matter of proof. Be and you never asked, you never made demand the losses you have to make demand, And so I don't know what happens. Try soon, I'm a small claims court. What the hell I mean, it's fifty bucks and tell them you on treble damages because they kept your deposit too long. See what the court says. I mean, I think, And I don't mind getting Brad O'Brien on if he was willing to come on for this find out Kelly. If he wants to come on and answer

that, she can just listen and find out. If they technically sent it late and she had never made action or took action, can she go back and get treble damages just for the hell of it. I don't know. The answer might be yes. We'll try to get him on to answer that. So, yeah, but they were supposed to do it in a timely fashion. Three h three seven one three talk three oh three seven to one three eight two five five. Now we're going talking to Brian Burns's Compans's insurance.

In addition to having them here today, we like to do insurance checkups. Now. An insurance checkup is where you call in and tell them what you have for coverage, and then they quote several different companies to see if you can get better coverage for low money or the same coverage for lower money.

Now, there's a few things I want to talk about when it comes to insurance, and one of those is do you know that according to a re survey, there are twelve percent of people who own homes have dropped their insurance totally. It's a trend around the country. Now, I thought if you had a mortgage, Yeah, you couldn't do it if you have a

mortgage. So you're talking about people that own it, says here. According to a recent study from the Insurance Information Institute, twelve percent of Americans have zero insurance on their homes. It's the highest level of uninsured homeowners in recent

history. Again, I still would say that it would have to equate to people that higher premiums, higher deductibles, lower coverages, that insurance premiums have doubled or tripled over the last three to five years, and people, and it says, oh, forty percent of Americans own their homes outright, and so I don't know if it's twelve percent of those or twelve percent of all

overall. I don't know, but it just says so obviously, when you own your home outright, there's no one that tells you you must have insurance. Absolutely, Yeah, it's your choice at that point if you're just taking on the risk. Yeah, but you have that right to not ensure. It's not like auto insurance where you are forced to carry liability because you're covering other people liability. Can you if I wanted to ensure my home just for

liability, can I do that? You could get maybe like a renter's insurance policy, something really doesn't cover your actual structure and it includes liability, you know, like an umbrella. They require you to have underlying limits, underlying liability limits, So you would have to have some kind of underlying limit for liability for your umbrella to extend. But as far as a home, if it gets ridiculous, let's say you don't want to ensure for full value.

Is that even an option? No, because insurance well preferred carriers. There's companies out there that would do it. But if you want like a preferred carrier, they're going to at least require you to ensure it for what replacement cost is. But what you can do is carry really high deductibles and that

does bring the rate down a lot. I mean, if you're if you're getting to the point where you're carrying a five percent win in hit deductible, you're basically saying, if it's a wind or hail claim, I won't make a claim like on this house. We're the home studios. There's no I can't think of any peril right now except total loss from a fire. Water where but okay, we have a creak in the back here. No, no, I'm saying a broken pipe. Oh, that's definitely a very common

claim. Okay, yep, so water and fire, obviously, the most common is going to be wind or hail. That's that's the biggest losses here in Colorado. Is so is my I don't know, is my roof considered a hailproof? Do I get a discount? Because yeah, you get a

discount, and you can carry a much higher deductible because of that. And I would tell people if you have a roof that is able to withstand wind or hill, concrete tile, whatever that might be, then it behooves you to carry a much higher deductible because you're not going to make a claim in most No, I mean I'm going to make a climb. I'm not even yeah, I mean for it to ruin a roof like this one, there's big giant tile it would have. It has to be humongous hails, humongous

hale at that point, yep. And even then with tile, a lot of times you would replace individual tiles that are damaged. If it destroyed the whole roof, yeah, then you're talking about an enormous amount of money that you're going to pay, and all of a sudden, the one percent deductible or whatever you have is no longer as you know. It at least makes sense. You're like, Okay, I anticipating in it. But but I

mean people are making sure. I find it impossible to believe. But people are saying, I'm not going to buy insurance, the hell with you? All? Yeah? Yeah, well again, yeah, but if you have a mortgage, then they're going to put force Place insurance, which is substantially more expensive and has less coverage. And Force Place insurance people, is only to cover the mortgage. That's right. It's none of your personal belong there, and it really is just to help them if something happens. Yeah,

so we have open lines for the first time this morning. Three oh three seven one three talk three all three seven one three a two five five. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content, wait 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 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 all three nine two zero sixteen twenty two. Hi, tell Martino you're troubleshooter. Three oh three seven one three talk three oh three seven one three eight two five five. Okay, uh, let's go back to the phones here and oh well, we don't have uh, we don't have our expert. He's in court, so we're not going to be able to get someone on for b But it

brings up a good question. If you don't bring action or they mail your deposit before you bring action, you have your deposit, what are you going to sue for? And we're going to talk about that now. When it comes to insurance and dropping insurance, there is no law that requires people to have insurance, not even liability right, not like in a car. So if they have a home, they it's possible, and if they own it, they don't have to they don't have to have any insurance. Yeah,

yep, nope, they can. I mean we'd call that self insurance. You're you're just taking on the risk yourself. Now, if they have a roof damage or something that's thousands of dollars, they're obviously not going to be able to afford it, right Well, or maybe they do have the money and they just said I I'd rather take the risk and you know, gamble a little bit on it, or like you said, they just can't afford

insurance. It's one of the two. Either they just think it's it's outrageously and they don't think it's worth the money, or they don't have enough money to pay for the insurance. Do you actually know of clients right now who have dropped insurance? Yep, I do. I Oh my god, I know. And sometimes the one I can think of off the top of my head, it's because they were in a fire risk area and it actually was. It was a town home that the HOA disbanded because they could not get

homeowner's insurance for the actual structures. So they just said, everybody has to get their own insurance. And I did find an option, but it was expensive, really expensive, and they they opted to They own that house outright, and they opted to just take the risk. And they said, they're you know, they understand that if a fire comes through there or anything else happens to the structure, they don't have any insurance coverage, they are going

to have to pay it on their own. So I do I And I hear people all the time say, you know, I'm going to have to just I'm not going to be to afford insurance. And I feel terrible for them, you know, I get it. The rates are going up at just such a you know, an amazing level right now. All right, I'm gonna just heads up there, Shannon. I'll be calling somebody for on my local phone here because they have a problem and I can get them on

easier at this point. But in any case, here's the deal. There are listening to this one some Supreme Court decisions that are massively going to affect us, I mean massively. And one has to do with the administ the administrative powers of agencies being able to make law. Many agencies, including the I R S would interpret laws and actually not so much even interpret them, but like the FAA, the I R S, the oh, there's so many osha, I mean, my god, it goes on and on and

on and on and on. What they literally have done was they became almost they don't call them laws, they call them rules, rule making entities. In the securities business, there are a ton of rules that have that never went through Congress, the rules how your money's managed. Now, the Supreme Court basically said that agencies can no longer do that. They cannot make administrative

law. I mean, this is an amazing I mean, well, they can attempt to, but then you can take them to court and by precedent win. There it was called what was it called something, It's called the Chevron rules, Chevron deference. Right, Yeah, but Tom different. I thought the way it came down was that if there was a question about the interpretation, the interpretation of a law, then the agency was the final arbiter

of it. And now, yeah, well yes, in their rule, that's right, they would make rules based on what they thought was was the statutory right. They would make decisions. And now these rules said the decision is up to the court, not to the agency. That's right, that's right. And what they used to do is give preference to that. They would give preference to the federal agencies. Right, it wasn't even preference,

it was a final decision. Was that what I mean? That's what I mean when it came to the final decision, exactly if you disagreed, they they got to decide. And so it was it was kind of like almost legislative and in its and it's an effect. So right now there is going to be a major change because before well like if you disagree with an enforcement action of an agency, you can simply say we disagree, and no longer, no longer is it automatic through an administrative judge or a hearing within that

agency. Can that agency say nope, we're right. They can't. They can't determine if they're right or wrong. They used to be able to determine if they're right or wrong. Now will this clog up the course? Many liberals and I'm only saying that because it's a fact, are arguing it was a bad choice because it will tie up the courts. And others are saying, no, it will not tie up the courts. It'll just curtail federal government the way it should have been to begin with. But I think this

is drawing distinct political lines. With all of these recent decisions, including one on homeless camps. For example, I don't understand the Supreme Court is saying that cities can ban homeless camps. Okay, so again taking away from the federal government. If you notice the trend of the Supreme Court, it's diminishing the power of the federal government in favor of local governments. Do you notice

that forcing a tenth Amendment? Do you agree though that in general? Well, I think that if I'm a strong constitutionalist, So the Tenth Amendment says, if it's not specifically delegated to the federal government, that's right, and other issues are up to the states to determine. That's unless that's right. And then if it's unconstitutional on the state level, right, well that's different, that's right. That's where the federal government and your constitutionalists theory would take

over. If so, they're not saying the states can do anything they want, because Biden made a stupid remark in his debate saying, what if they turned civil rights over to local states. Well, what he was implying is that some states would have still been in favor of unconf of well, let's say, just say slavery. He didn't say that, but what he meant was civil rights are federally protected. Yes they are, but so are all

rights federally protected. So if a state rules something and the federal government says it's unconstitutional even though it's a state law, that doesn't mean it'll be enforced. Correct. So it's really the way it should be. It's the way the country was founded. But for some reason, the liberal philosophy nowadays is big federal government. Let the federal government make all of our decisions. They do not trust people to rule and govern themselves. What is a better definition

of a threat to democracy. They're the ones, the ones who are saying that Trump poses the biggest threat to democracy. Those people are actually the bigger threat to democracy. They're saying that individual states and cities and municipalities, we do not know enough to govern ourselves. You must leave it to the federal bureaucrats to tell us how to live. That is what they're saying, and that goes with everything right down to vaccinations. They are all for big government,

less individual rights, less, not more, less individual rights. You notice that the right to privacy that they use for abortion, they never brought up when it came to vaccinations. Why is that? Why is that? You know, it's amazing to me. I just don't believe it. I don't believe what they stand for. Big government, big pharma, no individual rights, and even censorship that's all acceptable now in certain political circles because they

don't trust people to make decisions and choices on their own. Well, Tom, you know, when Bill Maher starts to complain about the progressive movement, you know they've gone through years. What I don't like, Okayne, I don't like the idea that they think hate speech should be barred. I don't think hate speech should be barred at all. I'm not in agreement with it, but don't you think we as people, if we see something hateful,

it's like we're gonna turn hateful. Come on, well, you know, I don't know who said it, but you know the classic line, which I believe in, is the only defense against hate speech is more speech. Anyway, we gotta take a break. Three all three seven to one three talks seven one three eight two five five. Donna has a question for Compass. Donna, please hang on. We'll come right back to you and more. Go with a sure thing Denver's best roofer Excel roofing dot com. You

don't pay a cent until you're content. Wait 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 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. Hi Tom Martino here, three oh three seven to one

three talk. Let's go to the phones and talk to. Donna has a question for Compass Insurance Group. Go ahead, Donna, Hi. The answer is it's probably very obvious, but I'm old and I can't see it. Frior to hellowner's insurance. There was just fire and years ago, years ago, fire and dwelling. But it was it well, yeah, that was a nickname right mainly. But well it's called a dwelling fire policy. Yes, but do they also have liability tied to it or not? Yeah,

there's liability on them. Yeah, So why did they Why was it called fire and dwelling. It just wasn't as encompassing. It was just an outdated policy. They still have them for rental homes. They still use that same form. So what does it not cover? It doesn't cover. It's not a comprehensive it's not like where you would becover for everything except for what's excluded that. They don't offer a policy like that. And it's personal liability on

a home owner policy as opposed to premise liability on a dwelling fire. So it's only covering liability at the home itself, whereas personal liability call as you wherever you go. Yeah, So Donna, you bring up a good point. Do they still offer it would be substantially cheaper. Well, my question is I own my home and I have homeowners no mortgage, and I own a rental no mortgage, and it's probably worth two hundred thousand dollars more than

my house. Now. The insurance on my house HMO is fifty one dollars here, and when I had the rough replace, I had to come up with seven thousand dollars ridiculous and that also included an upgrade to hal resistance. I have everything I have in my house. Most everything is antiques from family members, none of my ex So what what is your question though, because we want to answer it. Okay, well, I'll get to it everything

well hold on, wait, okay, okay there, hold on. Really I want to get to your question, and we do want to answer it. I think she's bringing up some good points, but we have to take this break. I'm sorry, I'm fined by the clock. 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 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. Yeah, ripped of news need so you don't have come runs fast as you can show Shooter's gonna help come Man six is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show.

Got compass insurance group with us and anything you want to t talk about give us a call. And one thing I must urge you if you have a problem, don't let it wait. The longer you wait, the worse it gets. And by the way, waterpros dot net, if you want a whole house of softened water, by the way, your laundry will almost get cleaned without detergent. I'm not kidding you, by the way, and it'll be cleaner, better for your price, better for you, better for your

skin. Waterpros dot net they have systems for the whole house at thirty four hundred. You can't even touch that with a plumber three oh three, eight, six, two five, five y five four. Donna has a question for compass insurance. We started out by talking about something cold. What is it, Brian? What is that insurance called a dwelling fire versus the homeowner policy? So an HL policy is more comprehensive. You have liability of personal

off premiseage and off premises coverage, you have all kinds of stuff. They've enhanced it over the years. But now that things are getting more expensive, is it possible they're going to come out with very basic coverages because if they don't, it's going to become cost prohibitive. Do you think they'll do away with a lot of the off premises coverage, a lot of the personal liabilities and have basic policies show because the bulk of the cost of the homeowner policy

is because of the dwelling, because of wind and hail. Honestly here in Colorado at least, so you will find what they'll do is they'll keep raising deductibles or make ACV on the roof. They're going to continue to do things that are going to cut down on the bulk of their lawsuit. I want to talk to Donna. Donna, go ahead, what is your what is your question? My question is on the home where I live. My insurance is fifty one dollars a year, as I said, and I had to

come up with seven thousand dollars to replace my rook. On the rental the insurance is twelve hundred dollars a year, and I didn't have to come up with a penny to replace the rook in my home. I have nothing of value except sentimental except appliance. Would it behooves me? I get a dwelling and fire on my home instead and save pocket the money? Can you do that, Brian? And will it save her money? You can? There's

companies that will offer you you can you can do. I can think of a company we have right now that will allow you to write a dwelling fire on a primary or occupied home. But the rate isn't that much better and the coverage is terrible. So I don't the twelve hundred dollars with no deductible.

I don't know what kind of policy that is because I know who's a carrier on that Hartford on both of them, and the dwelling fire is covering the structure, but there's no deductible, right, Yeah, I've never seen that. Wait, wait a minute, Wait a minute, you're telling me on that rental you have the Hartford and you have something called dwelling and fire and when the roof was destroyed, you did not have have a penny out of pocket, not a penny, not an I could you? I really

want to explore this. Is it possible? Would you mind if you gave us a copy, not a declaration page? Yeah, something like that. I just want to I just want to explore it for myself. Okay, but it happened five years ago, so I've I've saw away my policies as they expire. But do you have one? Now? What do you have now on that rental? I've had it all these years, you still have it, but you still have the same policy. Yeah, I've had Hartford

for probably twenty years. Yeah, I'd love to look at the actual declaration page for that rental property. Even though that was five years ago, it should be renewing now. Things might have changed on it. I get you, but I'd be happy to look at it. Be kind of fun to look at. Okay, Yeah, yeah, I think it's incredible. I mean, so, what do you think your opinion about if I should just go with fire and dwelling on my personal home. Well, here here's the

thought on that. Again, you're by all means try it. We have Hartford where we actually that's one of the carriers. We can write for AARP or Hartford, either one, and they have rules around not writing rental homes or dwelling fires unless your homeowner policy is also with them. I don't think they have an option for an owner occupied dwelling fire. Like I mentioned, there are carriers that do. I don't think Hartford's one of them, but

by all means, you could try it. Yeah, okay, all right, you know I'm almost ready for a nursing home, so yeah, certainly if there was a fire in my home, can't replace the memories, and I wouldn't need as much as what I have. Yeah, no, I get you. Yeah, you're right. On homeowner policies, they give you an exorbitant amount of personal property. It's a portion of your dwelling limit. So some companies that automatic seventy percent of your dwelling limit goes to personal property.

Some of them that's only fifty percent, but still a lot of people don't have near that personal property amount, and most companies don't allow you to alter that amount. That's just their automatic coverage. Okay. Now I'm reading about different coverages and it says AARP I looked up has a program that has no deductible. Okay, so it might just been grandfathered in. I can't write it new. And it says it's zero. It's called Protector plus zero

deductible. Yeah, no, I don't have an option for it. I guess with this benefit, you're deductible can be waived up to five thousand dollars for certain losses. Is that what it's saying? If you are home sustained severe damage for a qualifying law. Okay, so some carriers will wave a deductible if it's over a certain amount. Let's say you have a fifty thousand dollars loss, but they usually don't allow wind and hail is one of those

options. It's usually fire or one of those. So it's like they incentivize here, say, hey, you can carry a real high deductible, will wave that deductible. Though, if you have a severe you have a total loss. Here's what it says. For example, if your home is struck by lightning causing electrical damage, exceeding the amount, the benefit would be waved the deductible. They would wave your deductible to give you added peace of mind.

And then it says, as far as dwelling dwelling fire insurance is designed for homes you own but don't live in most of the year. And that's true, That's what I was saying. Usually does when it says when it says fire dwelling dwelling fire, is it only fire? There's other perils. It's just an aniquated we can say it. And it covers properties like vacation homes to juice cabins, investment homes such as rentals. Similar to homeowner's insurance,

dwelling fire coverage pays for repairs and rebuilding when fire damage occurs. It protects other structures and porches and garages. However, it doesn't provide possessions or and liability is limited to premise, not personal liability where it follows you around. So when does anyone ever use personal liability coverage for their homeowners? When would that ever come into effect? Give me an life exam. You're walking down the street, your dog bites somebody, that your liability extends to you,

even though you're not on your premise on way? What other way? Oh man, there is a lot of think about any kind of law. If you are sued, even if it's not legitimate, if you're sued for something you say, something you do. Yeah, that would be outside of premise liability. Premise liability would be just I know, someone trips and falls at your premise. Personal liability would extend wherever. I remember one guy one time got in a fight with his neighbor, and his neighbor I think they

came to blows. I'm not sure his neighbor press charges. This guy was then it was being sued civilly, and his homeowners covered him. He wasn't at home at the time, he was over at the neighbor's house, but his homeowners did cover that. Yeah. Absolutely, That's what I'm saying. You're if it's not an automobile accident and you're sued for a personal reason, your personal ability on your home is what extends to you. I shouldn't ask this because I don't want to open up a can of worms, but in

my line of work, I certainly they must exclude me. Well, yeah, across the board with homeowner policies, they exclude business liability of any kind of anything that's riding from your business is not going to be covered underneath personal liability. Okay, yep. So if somebody sues me, yeah, sues you for something you said on the radio, they wouldn't cover you for that. Now. Mark said one time he made a mistake of mentioning he's in

the media, and he had a really hard time I'm getting coverage. Is this a few years ago? Do you recall that? Oh? Yeah, what was that for? Why I'm writing for a home owner policy? They don't or an umbrella. I had to go to a specialty company for Mark because of the fact that he was in the media. Because not just the media, it's the line of work you guys are in where they yes,

you're consumer advocates, so you are a very high target for lawsuits. And so even though they exclude that on a home owner policy, they still know that they can get roped into the lawsuit. Even if they're not going to cover it, they're going to still have defense costs that are going to be

involved. So they don't want anything to do with it. For the most part, companies don't want anything to do with it, all right, three oh three seven one three talk three oh three seven one three eight two five five. Get your calls in any problem, question or complaint. We have a lot to talk about today. I want to talk about the UH, the Supreme Court decisions and how they affect us, and even the presidential immunity one. And it's not about Trump's and don't worry about it. It's just

about the decisions lately of the Supreme Court and what they mean. By the way, Probid Energy is a solar company that we recommend probid Energy dot com for your solar needs. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three O three

seven to seven to one help. You'll think you're his only customer when you choose Frank durand the Real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two at Hi, Tom Martina and your Troubleshooter three O three seven one to three talk threeal three seven one three eight two five five. So immunity for the president meaning for official duties.

I don't know why that surprises anyone. Now, I think that what they're saying is, I mean, if he goes out and robs a seven to eleven, he's not immune, or if he does something wrong. But as an official act, as weird as it may seem to people, he was elected and can do things like that. Now was I think? And one thing that I'm shocked wasn't brought up is that couldn't they argue? And I know, uh, Dragons with us. And the reason I say that

is because Dragon likes to chime in on Brown Brownie Show. Unlike most producers, he likes to take part in the conversations. But I can't someone make the argument that his inquiries about the election, they were saying he was trying to interfere. Couldn't the prosecutors try to make an argument that that wasn't an official presidential duty but more of a personal endeavor. It could be argued with both Brown was actually making that comparison just this morning, that yeah, it

could be argued either way. So that's why it getting sent down to the courts lower than the Supreme Court that actually deal with that kind of not the Supreme Court. So in other words, they could say, we okay, so he can't be prosecuted for presidential duties. But certainly when he was calling saying can you find me some votes? That wasn't presidential. Now the other thing is this, let's say it was personal. What's criminal about it?

Was he saying you better find me more votes? Or was he saying come on? Even at that case, Brown was also saying, fact that it is set up to begin with as it it is immune until they prove that it is not. And it's going to wind up clogging up the courts. Yes, because every time there's a prosecutor that says this action A was illegal, it's going to wind up going to the court to decide if the action was illegal or not, so that the immunity can or cannot be used.

Yep, doctor well knows there, yep, right, Well that I think the bigger question is was it an official duty or not? Well, that's the first question, right, That's why they have to go to court for it, because until they figure out if it was an official duty or not he's immune, so that then they go to court to find out if it was official or not, and whichever side loses is going to appeal correct anyway anyway. So but but okay, and then again that that's where we are.

That's where we are. I think it's really important that presidents be able to do their duties without regard to whether it's criminal or not, because there are times that United States and Congress, that the executive and the legislative branch they do things around the world that other people around the world would consider illegal. I mean really, I mean, you know, it's all about disagreement and war and all of that. Now, as far as news, there

is a study that says in the US right now on the internet. I don't know, this may not surprise anyone there are officially they actually did a survey more fake news than real news. Does that surprise anybody or is that what you would expect? I was surprised by this. Now. I know there's a lot of bs on the Internet, but to say there's actually more fake websites and news outlets then legitimate real news is is for real that there's

more fake stuff? And do you know who they say has actually started more fake websites for fake news. Where do you think, who do you think? What do you think? Take us talk about it Russia. Now, I'm not sure how much I, by the way, trust even the disinformation watchdog known as NewsGuard. But and and until this article, I've never actually heard of NewsGuard. Have you have any has anyone heard of NewsGuard? Supposedly this is a group, It's like a that was called Snopes. Yeah,

but but but about news and about websites. And they say that with deep fakes and fake sites and all of this, Russia has an entire cyber army dedicated to misinformation. And that's why, you know, the Bidens contended that the laptop and all of that was a Russian hoax. Because of that, of course it wasn't a Russian hoax. But there are they're saying that there are thousands of fake news sites that outnumber real ones. I'd like to see

a fake one. I don't know if I've ever seen one. I've seen them, you know, like I've seen them that catered to one or the other, you know, Fox and CNN, and I've seen a lot of I've seen crazy stuff, like what's the guy's name, Alex Jones's sites, but I've not seen I mean that, I guess people could call that fake, but it's opinion. I mean, it's more of an opinion. You want a little fun. Tom. On one of the other shows that I work on, we occasionally do a segment called real or fake headlines. Oh

yeah, yeah, yeah, yeah, I've heard of that before. I mean a lot of people and really though I've never I don't know if I know a fake website. Now you know it. I've seen some part what are they parodies or satirical? Remember the Onion? Is that still? I love that? God? That was great. It's still on there right? What is it the Onion dot com? Or what Onion? And Babylon B as well Babylon b Okay. Anyway, So folks, if you have a

problem question play give us a call. We also have our insurance coming our insurance on Compass Insurance Group and we will be talking about some of the insurance comparisons and how they're done and what results. But they have any three h three nine nine six nine thousand is Compass. If you call there and asked for an insurance checkup, you will get one and then earlier in the show,

I did, I had a complaint, I said. This guy said he hadn't been called back yet and they were waiting for additional information on a teenage driver. Remember when you have a teenage driver in your home, you can't ignore the teenage driver. They make you deal with it. Okay, that's really important anyway. So I'm Tom Martino three oh three seven one three

talks seven to one three eight two five five and for sure. If you want an honest assessment of your air conditioning or a replacement unit, you can get honesty and integrity from eight eight eight heating dot com and great prices three oh three seven seven zero two seven seven six. 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 dot to list your home with Remax Alliance three all three nine two zero sixteen twenty two Tom Martino Your Troubleshooter three all three seven one three talk seven one three eight two

five five. Okay, so we have some interesting stuff going on here. What about this? When it when it comes to colleges, More and more kids are going to trade schools right now. In fact, there is a giant increase in enrollment for young people going directly from high school into trade schools for electrical HVAC, plumbing, and construction, and the average graduate from these

schools make five times more than college graduates. Think about this, I mean, really no, I believe it. But for some reason parents are reluctant to send their kids straight to a trade school. Do they feel there's a shame in it, or it's not dignified or what. I love this article I saw on repurposing technology because one thing that pisses me off is waste. And have you ever looked to buy a cell phone? And when you do,

you wonder what the old one is worth. It's worth nothing, You hardly get anything, it's not even worth it, and to sell them. But I saw this article and I thought it was pretty ingenious. You can use, of course, an old cell phone or an old iPad on Wi Fi you don't need yeah, and no one will stop you from ever using it. And you can use them as cams literally mount them. They sell mounts and you can mount them as a permanent Wi Fi cam or a webcam.

You can use them as a universal remote. There are apps you can download, load it up and just leave it. It will be your remote. I know, I don't know what you guys think, but I mean, I guess I knew the technology exists, but I just thought, well, you use your existing phone, right. I love the idea that you take an old phone that's a piece of crap instead of just throwing it out or throwing it in a drawer, you can use it. So it's really a cool idea. A security cam. How about the dashcam? Tom?

You know what? I actually don't know that, but why well no, because you need Wi Fi, you need Wi Fi. They're not going to work, is the whole idea is you're not going to have a cellular carrier if you buy a new phone, so you'd have to keep it activated as a cell phone would defeat the purpose. I guess you could hotspot out to your cell phone and do a bad that I don't think that's the original.

And then some people use it in their kitchen as a kitchen helper for internet for you know, for Amazon, for ordering, for inventory control for you know, things like recipes and stuff like that. And another thing is scores, games and videos, ebooks, an e book reader dedicated to that. You know, you just get an ebook app and that's it. Or a noise maker or an alarm clock. It can be an alarm clock. It

can be used to do along with an alarm clock. You can play sleep sounds, white noise, you can do video conferencing, use it just for that so you don't have to tie up your phone anyway. Those are kind of cool. I really think that is one of the more useful articles because I really have old technology sitting around and I guess there's no reason in the world you can utilize them. I just think to me, it's way better

than throwing this crap out, way better. And uh anyway, so we have some insurance questions for Brian. By the way, you can text us and I'm going to give you that number. You can text me out again. I'm giving out this Google number. Write it down during the show. You can always text me here it is seven four seven nine fifty two eighty. So seven forty seven fifty two eighty. Somebody wants to know I was assaulted at work? What type of attorney do I use? And will my

insurance help cover that? First of all, tell me about that kind of stuff. They don't defend you. They write, it's only for when you have perpetrated something. Right, Well, it's if you are being sued. So yeah, if you're if you're the one being sued, but it's not compared in your insurance. But yeah, you don't use your insurance to help pay for a defense or an offense against somebody else, right, and so if you know, so, if you're assaulted at work, you can you

can call a personal injury attorney. You can probably call John Fuller receive you're covered. He'd gladly talk to you about that. That is a personal injury attorney for any personal injury. Now, some personal injury attorneys will do only auto accidents. Some want to do you know, malpractice. Some have specialized in different areas, but certainly John Fuller Fuller Law can answer questions about it, to see if you have a case, and maybe even take it if

you're assaulted at work. Now the uh okay, the other Let's see what else we have. Okay, you know I is United. Okay. This person says, they believe that you. Uned Airlines is responsible, and I'll explain the problem for that bag once it was taken off the luggage carousel. I don't understand why. Okay. This is a woman who was traveling and her bag arrived in Denver. She saw it go on the luggage carousel. She wasn't sure if it was hers. She had two of them, two

black bags. She saw a guy pick up that one bag and take off. As it turns out from facial recognition, they found out this guy was someone with plenty of warrants out and a criminal record. It turns out only one of her bags showed up, the other one he had taken. She was saying that United Airlines is responsible to her, I don't see how they can be. They delivered the bag, then some thief took it, and she said, well, there should be a system to keep that from happening.

But there isn't a system, not by the airline, not by the airport, not by any airline. So United did nothing different than any other airline period. They did nothing different, So how can they be negligent? Is it? The question would be when is it no longer in their care custody and control? Is the person that's texting you, they're thinking that it's

still in their care custody in control said, I don't get it. United Airlines is responsible for that bag once they took it off the luggage carousel. My opinion, you were wrong. I mean, of course they're not responsible. It says, it's then he goes on or she goes on. It's a carousel. You let the luggage go around, you let the person grab it. United took it off the carousel. No, they didn't. United didn't take it off the carousel. She saidought she saw somebody take it off

the gas that's what I like, the thief or whatever. Yeah, maybe this guy misunderstood. I don't think I think that they did not. I think that they did not take it off the carousel anyway. Three O three seven one three talk seven one three eight two five five is our number. And another insurance question on my renter's insurance. What am I obligated to have when I'm the landlord? When you're the landlord, yeah, and you own

a property you're renting out. Yeah, well, the only thing you're covering at that point is that is the actual structure you're building that you own, and liability, of course, But usually landlords are requiring their tenants to carry renters insurance. Okay, Now, if I chose on a homeowner's not to carry contents, that wouldn't save you hardly anything. Right, Well, like I I probably can't even do it. Like on a home owner policy,

it's built in, it's automatic. Now, you could go to a dwelling fire policy if a carrier will let you do an owner occupied and you can choose your level of personal property or put no personal property. But a lot of times dwelling fire policies aren't less expensive than a home owner policy. So I don't I just don't think it will benefit you in that way. And I'm going to talk about cafeteria style insurance if that'll ever come to be.

Because things are getting so expensive, something's got to happen. I don't know what it's going to be, but something in the insurance industry has to break or or reorganize or something. 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 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. Hi Tom Martino here three oh three seven one three talks

seven one three eight two five five. We have is Linda on? Okay? I can take Linda. What's going on? Linda? I'm having a problem with the company that installed an air conditioning unit. What is the problem, Linda, Well, it's kind of a long story. I'll try and make it sure. Yeah. First of all, the company came and did a special thirty nine dollars cleaning thing, which was good. Is that fix it? Yes? It is? Okay, Well they have the thirty nine

dollars special. Listen, I don't mind mentioning names. I want to hear the issue. Go ahead, Well, yeah, I had them do that. And then they wanted to give me an estimate on a new air conditioner because mine was really old, and they told me it would be sixteen hundred dollars worth of repairs. Plus they also said that you can't get three on anymore, which I found not to be true. Well, it's expensive, I mean, it's being phased out, but I understand keep going. Yeah,

I guess I knew that too. Anyway, they came the very next day and showed me all this paperwork and apples to apples guarantee and all kind of discussion, and it was on a little iPad. Well, I mistickingly read it as three thousand, five hundred for the air conditioner. And it turns out when they sent me the next day when they were installing it, an email that stated the price thirteen thousand, five hundred dollars. They also initially said it was a good month. I priced that and I did a

lot of research. Let me let me ask you something about your airc air conditioning. How old is your furnace? Six years old? And they were going to keep your furnace and just do the AC right, And how old was your AC? It's at least I've had it for twenty two years, so oh okay, okay, there's probably no doubt you have probably wanted to bring that up to at least the standards of your furnace. But thirteen thousand,

five hundred and unfortunately, that could be high. It could be low, depending on I mean not low, it could be high, depending on what it was. So tell me what they had to do. Well, they ended up installing something different than I anticipated. First they said it good money, so I priced that out. And then they said, no, it's a Bryant, and I priced that when out, and you know, did a little bit of research on those brands, and how much did you

end up paying? You know what? I wrote them a check for thirteen thousand, five hundreds and then the very next day, the more research I get talk to people who are in the business, I stopped payment on it. Well, of course, they want their money, and I understand that. But everybody I've spoken to, people in the business, professionals, have said, that's ridiculous. It turned out there erin as I said, here's

what I want to tell you, Linda. Okay, I'm completely open here, and I'm going to tell you this fix it twenty four to seven advertisers here, but there's no there's no special protection for any advertiser. That price sounds high for just an air conditioner. I don't know what the conditions are, but I promise you I will look into it. But here's something else. I would be skeptical these other companies that are saying that's outrageous or something.

I don't know if it is or not. I want to know the specs on your system. Hold on, just hang on, go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Wait 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 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 rifted of news. You need advice so you don't have come run anxious ass as you can. Shooter's gonna help, Come man This is the Troubleshooter Show. No Tom Martino min I'm Martino here. Welcome to the show.

Three oh three seven one three talk three oh three seven to one, three eight two five five. What's on your mind today? This is the only show of it's kind anywhere where we talk about every day aches and pains, the things that tick you off, the things that make you tick. I got an email from Linda. By the way, Compass insurance group with us today and Brian, give me a quick give me a quick comparison. By the way, we do the insurance checkup when they're on, but they do

it all the time. If you call three h three nine ninety six, nine thousand, what is an insurance checkup? Well, you call and you give your DEX page and you say, here's what I'm paying. People say, well, they can't beat it. Sometimes, you know, I called and they couldn't beat what I had, And I said, okay, Well

don't you like that that they're honest about that? I mean, because if they say they can beat it, they got to be able to beat it and put you with a carrier that gives you at least the same coverage or more for a lower price, So so I don't mind that people think I'm disappointed. I've had a few people say, well, Tom, I did my insurance shook up and they couldn't save me any money. Okay, fine, okay, that's exactly what you want you But maybe they can save you

money, but you can believe them anyway, Brian, I digress. What do you find? What'd you find today? Yeah? And again whenever I do this, I'm only sharing the ones we're saving. There are some that we tell them the state disclosure fifteen percent of the time they can't. And in this market it seems like it's even more. It's just so hard to companies right now. But we do. I have an interesting one that I

thought i'd share with you. A lady called up, sent us their her deck pages and said she had home in auto insurance, and when they got over to us, she had condo insurance and auto insurance. No big deal. Condo insurance meaning she doesn't have cover for the exterior of the house. But is it's a single family home. Oh my god, so she did. She wasn't aware the mortgage company never caught that she didn't have home insurance.

If my god was damaged it was only covering the inside of her or of her unit, banking on the fact that she has an HLA that covers the exterior. She does not, So anyways, we did find her an option that actually covers her. Of course, the rate is higher than what she's paying now, but she has coverage. That's that's you know how it's supposed to be now. Anyways, good A big one that I thought i'd

share here. This guy called in had auto home and umbrella, had a young driver is paying almost fourteen thousand dollars for auto home and umbrella a year right now. We were able to find him and he had actual cash value on the roof. We got him replacement cost on the roof auto home umbrella for ninety seven hundred dollars. It's a saving of almost forty three hundred dollars a year on his auto home and umbrella insurance. So pretty big savings there.

As I look down the line here, we had someone call in from all State had a two percent wind hail deductible. Was not aware of it, so that was that equated to a twelve thousand dollars windhil deductible. Wow. I lowered it to one percent which is still a six thousand dollars deductible, but we added an umbrella and saved her four hundred and thirty three dollars. Well, it's today, the first of July. Today's first July. Oh my goodness, I just realized that. Okay, so thank you for

that. And uh, you know that's what an insurance checkup is supposed to do. Now, going back to the to the phones, I want to talk to Linda. Linda. I looked at your I don't have the contract. I just have your original email Katchina Linda, do you have any copy of a contract you can send? I? Yes, I do. And here's what I want to say to people, cause you're not the only one who complained about the iPad signing the iPad. And it's not just with fix

It. A lot of companies are using an iPad. They have you use your finger and sign it and then people, now, listen, this is for everyone, and I don't care what anyone says. You should never do that unless they can print out a copy right then and there or email it to you right then and there. It's ridiculous. In fact, I would only do it if they email it to me and I sign it on my

device, or they can print it out immediately. I've had too many people tell me that they've signed an iPad and didn't realize what they've signed, or didn't have a copy of what they signed, and when they got the copy, they said, oh, I didn't realize I was signing that. Now, I am not inferring for a minute, because I know the people, I really do. I don't think they intentionally would ever alter the contract, liar cheat. I really don't believe that about any of the major companies that

I represent. Of course I don't. I, honest to God, would never ever believe that, and I know them, but I still wouldn't do it. I would not sign an iPad if I can't get a copy immediately, and or I would insist that it'd be sent as a doc. You sign of some kind to my individual unit, and then I sign it and then I can immediately download a copy. That's what you guys do. A compass. You always send me I don't know of aside you sign whatever it

is, you send me something to sign on my device. Yep, absolutely, but I use I've had people come to my house. I don't like it. Happens all the time. If you're going to bring an iPad to my house, folks, you better have a way to get that to me immediately. And I don't mean first go to your office and then then your office sends it to me. I want a copy of what I just signed, or guys, I don't know, you need to take a picture of it with your phone or something. You need to protect yourself. Okay.

Too many people say I didn't realize what I signed. Too many people say that. Now, Linda, here's what I want to know. You you stop payment on the check, and I don't mind you doing that, And that's what you did. Now, what we have to figure out is did they do you wrong? Or is it a good unit? You know, I need to see the specs. Okay, I don't know what size. I don't know anything about it. And I promise you this. Send me the specs of your unit and we will do some price comparison. Now,

I'm going to tell you something. If it's within three or four or five grand or no, three or four or five, I don't know if it's if it's in the ballpark, I wouldn't say five grand, but it's into the ballpark. I can't tell them to charge you less. I can't tell them to charge you more. But but you said everyone told you it was overcharged. Okay, I want to prove it. I just want to see

that because I'm going to tell you something. I resent companies that look at something after the fact and say, oh, I could have saved you big money, because I don't know of any HVAC company at all at all that is honest and legit and is cheap. They just don't. It doesn't happen anymore. Okay, it doesn't happen. Now. That doesn't mean they should overcharge you or be exorbitant. But what I need to say is what you

ought for the money? Is that reasonable? Yes? Well, what they sent me in my email that I could read clearly, all it says is it has check march through the different things. But they install the base comfort system and then they said the cooling system is three point five ton, which I didn't expect. And what do you mean you didn't expect it? What does that mean? Well, when they first came to me and they were talking about what they would install, it was supposed to be a Goodman three

tons unit. And after they said that. They said Bryant, and then they said, then they brought after they've taken away the old one, they brought a carrier unit. And it's okay, hold on, is that what you had install? The carrier unit? That's not what I would expecting. And it's not writing They didn't write down the names of the unit number anything. Linda, Linda, listen, Yes, here's what I'm asking you. Okay, okay, what did you get for the money? That's what I

want to know. What did you get for the money? And are you saying that they switched you out from you what you expected? Yes, okay. If they switched you from a Goodman or a Bryant to a Carrier, you got a superior system. Now why would you care if for the same price you got a better unit and a bigger unit. Well, when we sat down to discuss the price, he didn't say it out loud, and

it looked like three thousand, five hundreds. And on top of that, he had told me, if you let us install it tomorrow, we'll take two thousand off the price. Well, I was planning on five thousand, three five hundred. No, wait a minute, are they saying that this thirteen thousand, five hundred dollars unit would have been fifteen thousand, five hundred exactly. Okay, now listen, Linda, if you signed something that truly said thirteen to five, I can't help you if you thought it said thirty

five, because there's no one. No one would have done an air conditioning system for thirty five hundred, No one, And if someone told you they would, I want the name because I want one today. Well, the only reason I came up with the initially five thousand, five hundred is because I did some research on theline. I'm asking you this. Here's what I'm asking you. If you said you said it looked like thirty five hundred,

is that right on the little iPad or notepad? Okay? Now, in all of those people you checked with afterwards, did they tell you that should have been the price about thirty five hundred? No? All they told me was it thirteen thousand, five hundred is outrageous. How much did they say it should be? Well, that's the thing I'm looking at. Six's apples to apples guarantee. Linda. No, that's not what i'm asking you. I know, but I'm asking you. Did you find another company that would

do it cheaper. Well, I believe I did, but who apples apples guarantee? The people installed my air conditioner are mean my furnace six years ago, and they've done some other things for me? And who was that? Who is that's the Green Mountain Heating and cooling? And what did they say they would do the air conditioner for the same exact carrier air conditioner. They didn't give me a price, yet they're supposed to. I send them all

the information. Would you have them give you a price and let me know? Listen, really, I think Linda, and I also want to know what you have installed at your house. And if you do not know, I will send someone there to look at it. Well, yeah, I know what kind it is, and I've got these I want to know more than that. Here's what I want to know. I'm not going to go over this again. Put her on hold, get her listen, I want

I'm not dropping this. Put her on hold. Here's what I want to make the model, the size and if that's what I want make model and size, that's what I want to know, okay, and and just just let me know that's what That's all I need to know the make model in size three three seven one three Talk Rick? What is your solar question? Rick him? Hey, see, my mom lives in California and there's a

company called I believe it's called sun Run. Yeah. I sent you an email in Yeah, but they Okay, he's looking at getting solar and I just was wondering what you thought about it. Have you heard of these guys? Are they reputable? I mean, okay, I'm going to tell you something. Okay, listen carefully. Most solar companies are not ittable. How

about that? I agree with that, most of them. So without even knowing, I'm going to go look at this paperwork, without even knowing, I'm going to tell you there's more of a chance they're not reputable than they are. Okay, hold on, let me look at your email and we'll come right back to you. I'm Tom Martine. 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 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. Hi, Tom Martino, your troubleshooter three all three seven one three talks seven one

three eight two five five. I'm here to help you and to answer questions. And Rick called in about solar for his mom, and I looked at I did not see anything here in the contract you sent that has a price in there. How much is this rick bike? It says they're not charging to hurt anything at all except for the one hundred and eighteen dollars a month for the first year, and then every year goes up three point five percent. That's what she pays for. How long out it does have a battery?

Well, I'm well, she's she's eighty one, so I guess Well, I'm not asking how old she is, I'm asking how old? How long is the contract? I don't know that, Tom. Well, what happens? Okay, let's see you inherit this house. Most likely you will right? Most likely? Yes? Okay, so you inherit the house and you have a solar system and you have another twenty years to pay on it. Let's say, what do you do? Well? Kind of what? I was just glancing through it? The reason why I called you that I

know you know well, I'm glad you were glancing through it. I tried to glance through it. And there's nothing here to glance through. It's all I have is says that. It says you can't transfer it. You can't, you can't. You can't transfer it. She can't do anything with it. The sun Run owns the system, so they'll just take it back, they'll just support. I mean, that's where does this say that? I don't have your contract? So you did and send me what you think you

sent me. I sent you the whole email I got and had an attachment to it, and you click on the attachment. I clicked on it, and all I have I don't. It's a forty seven page document and all I have is one, two, three, four pages so and most of those are just her name and address and all that. No price is nothing, there's no conditions, there's nothing here. I mean, I know that you're looking at something, but not me. I mean, I have a

general disclosure and all of that. But it talks about changing your mind. It doesn't talk about anything to do with how long it is, what happens if you want to sell the house, how much. I mean, it doesn't say they're going to take act nothing. I don't see any of that, So I can't help you. I mean, you're telling me they're going to take it back, like, so you mean to tell me you can say, then why not take it back now? Yeah, so you're telling

me. I'm only going by what you're reading. So I'm trying to get your your take on it. So, so tell me your mom wants to cancel. Yes, well, she hasn't signed nothing yet, and you know she had she was Wait a minute, Wait a minute, Wait a minute, wait a minute, she hasn't signed anything yet. Her signatures all over this. Yeah, what are you looking? It's even timestamped on the date in time she signed. It is her name, Marge. Yes, what

are you looking at? I'm looking at a signature page with with an idea a digital ID on it, a DOCU sign a DOCU signed document with her signature, the IP address, the I D number, the date and the time she's she's on the hook here, bro, what was the date on you? Is she within her five days? She signed it on June twenty first, Oh, yeah, she's within She's way past her five days for sure. What five days? The five days of the right of your sin?

Because she signed it in her home and even said it on the contract that yet, but she had five days to do right today? Well, the federal laws three days. I don't know where the five days came from, but I will say this, I okay, I don't see that either because I can't see the documents. So what you thought you sent me? You didn't. But here's the thing, man, she's got a problem. No, she doesn't, not really. But she's going to pay one hundred

and eighteen dollars. That's not the end of the world. But she still has to pay her electricity or do they say it's going to handle all of her electrical needs. No, she'll still have a little bit of electricity bills. What is what I'm assuming? Why are you assuming? Well, if her house isn't big enough, her roof isn't big enough to have as many panels as she needs to power the whole house, then she's gone. Well, they already sold it. To her. They already sold her what she's

going to get. It's not if her roof is big enough. It's it's right here. I mean it says the kilowatts or something. I saw that somewhere. So is it a big enough kilowatt system? I mean, how old your mom? Eighty one? Does she have her wits about her? Oh? Yeah, she's on. She's on. She'll outlive us almost likely. She should have never signed this. So what she has here's what she bought, A five five hundred and eighteen Kilowa system, okay, and a

battery backup. And it's guaranteed for twenty five years supposedly, And it's one hundred and eighteen dollars a month. It's three point five percent annual payment escalator with no deposit due. But it says here the total cost is one hundred and eighteen dollars escalating three point five percent a year. This is on a brochure. This is not part of a contract. And it says here a five day right to cancel. I see that where you're seeing that now,

and it says this is our agreement. Okay, So now I'm looking at something that says it's the agreement it's not. It could have been the one she signed, okay, and it says it says, it says we'll produce approximately five five hundred kilowatts, which means it'll produce a hundred and fifteen percent of your current use. So they're saying she won't have an electric bill. Listen, do you know what she pays for electricity now? A year a

month? Well, and I think one of the reasons why she wanted to go with the solar is because Southern California Edison next year is going to raise everything sixty percent. But how much is she paying now? Do you know? I think she doesn't. She tries not to run her air creshing her or her here all year around, and I think she pays right around I think a couple hundred bucks a month, Okay, So she's gonna save a few bucks. It'll never pay for itself in her lifetime or in yours.

So the system is twenty five years, twenty five years, you have to pay now. If it truly truly can produce electricity for twenty five years, and the escalator is three point five percent, she will save very little on electricity, but she'll save some. But it try to sell the house man. You got to get somebody to inherit this too. I'm telling you that it's not a good deal. Okay, Well that's what. That's what. That's the reason why I called. I mean, I wish it was.

It's not a good deal, and they have terrible ratings, by the way, terrible. I'm so sorry your mom didn't call you first, you know, right, I don't know that. Yeah, I'm sorry, And there's really nothing new. I don't know what the hell you can do about it. I mean, there are some options in here. I don't know. If I were you, i'd get an attorney to look at it and see if there's an out. It's she's eighty one years old. She should have never signed this. It'll never pay for it. I don't even know what

she was thinking. What difference does it make of electricity goes up? She'll never ever make up for it. Ever, What was she thinking? You know? I mean, I feel bad for her. I'm not trying to give you a hard time into it. I'm sure. Yeah, of course they suck, they really suck. So I'm sorry that this happened to you. If she can get out of it, I mean you ought to talk

and talk to the solar people directly. It's in California. I don't know what you can do, but I would have somebody look at that contract to see if there's an out for her. If not, then she's stuck with it, and so are you. I mean, you're more stuck with it than she is. It's a twenty five year contract. I'm tell Martina, we have 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 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, Welcome to this show.

Three oh three seven one three talk three oh three seven one three eight two five five. Now, speaking of insurance, somebody wants to know what does homeowners insurance add or what what do solar systems add to your homeowners If anything, it's that's just part of your dwelling limits. So you just have to make sure that whoever you're talking to knows about it so that when they're

doing they don't surcharge you because of the roof stuff. No, it's a replacement, but when they're running the replacement cost estimate, they have to account for the actual solar panels, and so the dwelling limit that they're going to use is going to be higher because the solar system is part of that dwelling. Okay, that is interesting, So okay, So in other words,

it's not going to be that much, is what you're saying. No, because you know, to go from six hundred to six hundred and fifty thousand isn't a huge difference in premium. Okay. And as far as solar, Brian asked me some stuff off the air that I think we really need to explore. What were your question Brian for every because it's a good question. Your questions were good about solar. I was it's Brooke coming on by the way, Oh she's there, Go ahead, what's your question? We'll bring

Brook up to Brooke. Yeah, yeah, no, I was just trying to figure out, you know when when they were trying to calculate how much one hundred and ten percent of her usage right now? Is that a good figure to account for. If you're scrimping on electric now and it's not a true usage, it's not good. But Brook, this is what I said to Brian off the air. He said, Tom, what will this solar do for me? Like when rates go up? And I said, that's

the system will become more valuable if you do it properly. What I said was, if you get a system installed properly that truly can handle all of your electrical needs, your electrical needs don't increase when the prices go up. It just gets more expensive. But you're that's your solar system doesn't know how much you're spending for electricity. All it matters is it will generate your electricity.

And I said, if you've got a battery backup system, you can use that with smart metering to use batteries at the most expensive times of the day and maybe sometimes even switch back to the power company or use as much as you can from your solar and sell back. I mean, but a computer would would control all that is that true or not. Yeah, that's definitely true. So the way that solar works is is that your panel feed

into your electrical box to your main panel. So anything actively running in your home gets powered by the solar and then the excess goes out to the grid. And so at night, when obviously the sun's not out, that's when you start pulling power from the grid. And what's called a net meter determines the difference. So whatever your annual usage is, as long as it remains about the same, I mean usually people fluctuate about five percent year between each

year. But as long as the usage remains the same, your solar system will completely eliminate your electric bill, minus your connection fee and maybe your demand charge, depending on the utility company you're working with. If you're in Excel Territory or Black Hills Territory, then actually all of your fees are eliminated because it's a public company. Now, this woman, excuse me, this guy his mom eighty one years old in California signed up with I have the company

written down and I want to make It's called sun Run. What do you know about Sun Run? So? Sun Runs a nationwide company. They're the folks that if you get asked about solar and Costco, that's who they work with as far as how solar works. Though in California, I would be very wary because their net metering laws just updated, so you're only getting about

five cents on the dollar for anything your solar system's producing. I would highly recommend that they look into that to ensure they're getting exactly what the sun Run representative told them they were. She bought a five hundred kilowatt system. Is that big? No, that's pretty average for one, I'm assuming if it's like a one or two person in a household, that's pretty normal. But what I'm saying is that even if it's producing as much power as she's using,

she's only getting five percent credit on her net metering. So she's only getting five percent of her bill removed. What wait a minute, what if it produces but can't she use the electricity directly from the system? Yeah? Yeah, just like what I was saying. So let's make it kind of easy numbers. So, if your solar system produces one hundred thousand kilowat hours in a year, your house is probably going to use about two to three

thousand before the other seven goes out to the grid. So it'll definitely reduce her electric bill on that front because it's using it first. But then anything excess is up to the net metering agreement. So here in Colorado our net metering at one hundred percent, meaning the utility company has to give you full retail value for anything that you send it. But in California, Nevada, Arizona, it's not at one hundred percent, And in California right now it's

five cents on the dollar. Now, why would California do that. That's supposed to be one of the greeniest states in the world. You would think they were to reward people for solar. They did, they used to, but now so many folks went solar that PG and ease grid cannot handle it. So they have brownouts and blackouts because of the third of electric power between one pm and seven pm that the solar systems sending to their grid, and

they don't know how to handle it appropriately yet. In other words, they're getting too much power from solar systems. So instead of rewarding people for going solar and spreading that power around, they're actually reducing the reimbursement rate. Yes, So anybody going solar right now in California, if they do not have batteries cistern in their system quote unquote off read, then they're actually boozing money and it's a bad Do you know something, Gavin Newsom not only I mean,

I swear to God I want Biden instead of Gavin Newsom. If he's going to be the replacement, what a what a moron? I mean, he's doing exactly the opposite of what you think he would do, being such a progressive weirdo. Go ahead, I'm sorry, right not, young Brook, I have a question for you. So, what how do you protect yourself from Colorado changing law? Can you? I mean you're saying they give

one hundred percent. Now, what happens if someone signs up and then two years down the road the same thing is happening here and they cut it down to five percent. Yeah. Absolutely, So the interconnection agreement, which means that it's a contract between the homeowner and the utility company, have to be for twenty years in the state of Colorado. So even if that changed in two years, those folks would still be protected for the full twenty years.

Okay, And then Colorado's got some pretty good laws for us. It was amazing for Solar in that sense. They don't incentivize, like no tax break for folks in Colorado to go solar, but they do make the utility give you retail value, which I feel like is a great compromise. All right, hold on a second. I want to come back with a little more. I have a couple other questions for you. We have 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 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 oh three nine two zero sixteen twenty two. Hi, Tom Martino, Here a brook White from Rocks roof

and Solar. I want to bring her back up and ask a quick question here. So basically, her deal is no money down one hundred and eighteen dollars a month, escalating three point five percent a year for twenty five years. Now. I haven't done future value calculations on that, but I don't know. I mean, what do you think about systems like that where you pay a flat rate, Well, it's not a flat rate, but it's an escalating rate for twenty five years. Have you heard of them? I'm

I apologize. So she's got one hundred and eighteen dollars a month that she's paying for the solar system. Yeah, and it's escalating by three point five percent a year. I mean I could, I could probably do the math real quick. Go ahead, in the in the loan documents, does that have anything about her federal past credit being brought? They get all of that, they get. All she does is zero down one hundred and eighteen dollars a month, and we're running out of time. I'd actually like to get

you back on to talk about this. If you can look into it, I'll send you the documents. Broke. How's that? Yeah, if you can done this to me, just because it is somehow percent of the whole thing is put into it, that makes a huge difference. So that anyone hold on and I will send them to you. I'll send him to you. I'm Tom Martinez Rehmert Compass Insurance Group three zero three nine nine six nine thousand, and save all your problems for me.