In this episode of Fix-It Radio, dive deep into the complexities of insurance appraisals with expert Burke Payne. Discover how insurance companies often undervalue vehicles significantly and learn strategies to ensure that your classic or upgraded cars are appropriately appraised and insured. Burke shares insightful anecdotes and offers practical solutions for car enthusiasts to protect their investments effectively.
SPEAKER 03 :
Walter? Upstairs! Are you alright?
SPEAKER 12 :
In the floor behind the chair.
SPEAKER 06 :
This is America.
SPEAKER 01 :
Does everybody know what time it is? Fix It Radio.
SPEAKER 10 :
All right, welcome. It is Fix-It Radio, KLZ 560, a live program, December the 7th, so Pearl Harbor Day. Larry, thanks for joining me today. Larry Unger, he’s back from his knee procedure, so thank you.
SPEAKER 09 :
Yes, I am. Thank you very much.
SPEAKER 10 :
Appreciate you being here, and Larry’s a vet as well, so thank you for that. Also, Charlie Grimes, of course, our engineer. So if you’re listening to a replay today, you know what day it is. And it’s a very beautiful day here in Colorado. On top of that, we have Burke Payne joining us, BP Appraisals. Burke, welcome. How are you, sir? Doing great. How about you? We are doing very well. And we had John a few weeks ago, talked about a lot of different things. We wanted to have you back and do a little bit more of that. But in turn, you had some folks contact you. So give us an update on some of the things you’ve worked with with some of our listeners.
SPEAKER 12 :
So recently we’ve had several, well, three, more than that actually, but we’ve had several total loss appraisals that we’ve done for people where the insurance company has way undervalued their vehicles to the tune of over $10,000 for all three of the most recent ones. We’re talking anything from a 1985 Monte Carlo to a 2002 Ford F-250.
SPEAKER 10 :
Wow. So walk us through how that works, Burke.
SPEAKER 12 :
So basically what happens is when an insurance company totals your vehicle between 60% and 70% of what they determine its value to be. So once they say the vehicle is a total loss, they offer you compensation. And in this case, these have been well undervalued. In fact, one of them, a client called up, and she’s like, you know, I don’t feel like this is right. So she sent me the most insurance companies use the CCC1 evaluation. And it’s a computer program that basically spits out a number saying this is the value of the vehicle. Well, she sent me that, and I went over it pretty thoroughly before we took her on as a client. And I noticed that she had an all-wheel drive vehicle, and they were using rear-wheel drive vehicles as their marketplace examples, which are significantly lower in value.
SPEAKER 10 :
Absolutely. Big difference.
SPEAKER 12 :
So, in that case, she didn’t get $10,000, but we got her $2,600 more than the insurance company initially offered her.
SPEAKER 10 :
Nice. So in a lot of ways, and I want to make sure I’m clear on this because it’s not exactly the same. We have what we call public adjusters that can come into a big claim and kind of help out. And I’ve got one of those that I’ve worked with in the past. And where I’m going with this, Burke, is they know a lot of what’s going on on the insurance side, speak that language where a lot of us that are on the other side of it don’t necessarily understand how all of the inner workings of the insurance side work. And to your point a moment ago, in some cases could even miss something like, are they giving me value for the same type of vehicle? And what I’ll say along those lines, Burke, is you’re able to go in there and do things that the novice, and I’ll be careful with that. I don’t want to say that everybody out there is a novice, but they don’t deal with this stuff every day like you do. Is that a better way to say it?
SPEAKER 12 :
Absolutely, and I think a lot of times the insurance companies, and this goes for your classic cars too, is they don’t know what you have. They don’t know what upgrades you’ve done. Great point. For instance, the 2002 Ford F-250, the gentleman had done a lot of upgrades on it within the last four months before this vehicle was stolen. Okay. He’d done a lot of upgrades, and he was able to provide me those receipts. And with those receipts, I went through and meticulously documented them. And then when I sent the adjuster my appraisal, we had that thing done in two phone calls, and we got him over $10,000 more than the insurance company initially offered him. And he’d been fighting with this since April. And finally, it’s had enough, and he’s like, I’m going to reach out to someone that can help me. And, man, we were able to get that done and get him a check within two or three days of us dealing with it.
SPEAKER 10 :
Awesome. So for those of you guys listening, and again, this is a program. Yes, we do this on Saturday mornings from 9 to 10. This program will replay again for those of you that sometimes listen on Tuesdays from 2 to 3. We’re live, of course, on Saturdays, but that doesn’t mean you can’t call Saturday. You know, Burke, anytime BP appraisal 720-295-0108. And if you miss that, you can always go to any of my websites. He’s on all of them and you’ll see him there. So those of you listening, if you have any issues that way. And last but not least, which. I can always do this and do. A lot of you will just even at times send me a text message and ask, hey, who do I go see for such and such? I heard you talking about such and such. You can always text me and I can give you the information, you know, that way as well for all of you listening, which the text line is 307-200-8255. Twenty two. So, Burke, how important when it comes to the front, you know, you know me, I’m a big one on let’s get things handled on the front side versus the backside. And it’s not that we can get everything dialed in, you know, with an insurance company on the front side. Although I do feel like if somebody was to get. with you on the front side you know i get it there’s accidents and things like that that happen and that’s really hard to deal with especially when it’s not your own insurance company even that you’re dealing with but when it’s your own company and you’re trying to get the right insurance on whether it be a classic car which for those of you listening burke you brought up a great point a moment ago some of you wouldn’t think that a 2002 f-250 is a classic But, Burke, it is, because that’s a truck that’s appreciating in value right now, not depreciating, meaning I would consider that a classic.
SPEAKER 12 :
Absolutely, 100%. In particular, the 7.3 diesels, they’re a hot commodity. Absolutely. They’re a million-mile motor.
SPEAKER 10 :
and people love those trucks i’ve got one in my driveway well they’re you know as you know there’s none of the emissions nonsense they don’t have the death they don’t have dpfs they just don’t have all of the things that a new truck you know has to have dealt with and that’s partially why they’re becoming higher in demand and of course there’s not as many of them on the road and what i wanted to finish up with burke is it’s important i feel for folks to get with you on the front side of some of these things so you take that ford for example Is it properly insured to the value of what it’s worth? And unless you know that value by seeing you, you don’t know.
SPEAKER 12 :
Absolutely. And that’s, you know, you and I have talked about it before about, you know, you do upgrades, you know, I mean, we’re all, you know, car people do upgrades all the time and it’s all about one, retaining those documents so that if God forbid something does happen, you can get them to me. And two is, getting ahead of it and say hey i did eight thousand dollars worth of work to my truck maybe i should look at my you know look at my appraisal great point same thing over the winter with you know we’re all i mean i’m out in my garage working on my truck you know as we speak right and it’s like i’m doing upgrades for the next car season and i need you know i’m putting in you know the uh you know new new coils and all that kind of stuff and And I need to make sure that I’m upgrading my appraisal so that I can upgrade my insurance.
SPEAKER 10 :
Great point. Yeah. Because the last thing we want, and this is for all of you listening, and you guys all know me, I’m a big one on work on the front side, not the back side, because it’s always easier, costs less, et cetera. At the end of the day, it’s much easier to do that. I just feel like, Burke, there’s a lot of folks that will not do that. And to your point, they will do whatever upgrades, or they may not even realize the vehicle they’re driving is… I mean, I would think that most would, although, Burke, I mean, I tend to get, how should I say, I tend to be a little bit forgetful along those lines, I guess you could say, because we’re in this. We know these things. It’s top of mind for guys like you and I and Larry and a lot of others even that listen to the program. But there’s those out there, Burke, that maybe bought an older truck because they felt like it was a really good deal or it was passed down from a family member or they inherited it or whatever the case may be, and they have no idea what the value is. And frankly, the insurance company doesn’t either, and they’re probably underinsured.
SPEAKER 1 :
100%.
SPEAKER 12 :
You know, the insurance company, most insurance companies, when you call in, the call taker has 13 minutes to get all of your demographics checked
SPEAKER 10 :
and then put a value on your vehicle okay when we do an appraisal i spend hours yeah i was going to say it’s a little longer than 13 minutes right a lot longer than 13 minutes well and really quick burke just along those lines there’s times where i was trying to help somebody uh yesterday that had emailed me that has a situation where they’ve got a leased vehicle it’s about to come off of lease they may have a buyer for that particular vehicle, so they were asking me some questions as to, you know, how do I handle this moving forward and so on. And to your point, I spent more than 13 minutes with that particular email just on what’s their current value, what would be their next steps in handling things and so on. I mean, the reality is you can’t find all of that information solidly in 13 minutes.
SPEAKER 12 :
No, you can’t. And, you know, especially with classic cars that have been, you know, either maintained or as a true survivor vehicle or a hot rod.
SPEAKER 10 :
I was going to ask you, since we’re on that, this is a question I had for you today anyways, just because I think there’s a lot of folks out there listening, and I watch the hot rod market, I guess you could call it, not just the classic car, but I call them the hot rods, the muscle cars, and so on. What are your feelings right now on certain vintage hot rods? And let me give you an example. 32, 34 Ford’s very, very popular for the longest time. And I get that there are still some models of those that are still worth. fairly decent money but where i’m going with this burke is that’s a market that’s varying a lot month-to-month even and my point with you and your services i think people really need to get a good idea of where are they at in said vehicle in fact some of you that are even thinking of building a vehicle you may want to have a conversation with burke on that because burke right now i’ll just say it straight out you can go by a finished thirty two ford very very nice vehicle for probably a quarter of the money you would take to build one?
SPEAKER 12 :
Oh, 100%. And that goes with a lot of vehicles. The big thing now is people are building them to drive them.
SPEAKER 03 :
Right.
SPEAKER 12 :
And they’re building restomods. And people ask me all the time at car shows and that kind of stuff is, is numbers matching important in that? And I tell them, for a vehicle that is either historically significant… meaning it was owned by Steve McQueen or something like that, then yes, numbers matching is very important. But in the grand scheme of drivability, people are looking for a vehicle that they can hop in on Saturday and go for a drive and not have to worry about it.
SPEAKER 10 :
I agree with you. I think the only exceptions, and I’m sure you would agree with this, would be if a guy’s collecting and you’re looking at a, I don’t know, a… you know a certain era Corvette that maybe had an original you know for well let me use it let me use this example take a Chevelle take an LS6 Chevelle yeah if you’re looking to really maximize the dollars on that particular car and it’s got a lot of originality already in it and somebody hasn’t gone in and done a bunch of other mods and so on yeah that’s one Burke where you’re going to want things to be numbers matching because that’ll make that car worth a lot more money not only now but down the road but I will tell you Burke and you know this also there’s not many of those left
SPEAKER 12 :
No, there isn’t. And that’s the one thing I, you know, especially like some of the pre-purchase inspections that we do, vehicles are listed as one thing, but when they’re actually broken down, they’re not. We recently did a pre-purchase inspection for a gentleman who thought he was getting a Chevelle SS. And in breaking down the VIN, the VIN actually listed to a Malibu.
SPEAKER 10 :
Oh, really? Yeah.
SPEAKER 12 :
And it had been rebatched. Now, based on the price, the gentleman went ahead and picked up the car anyway because he figured he could do what he wanted to do to it and not feel bad about destroying a Chevelle SS.
SPEAKER 10 :
Point being, though, he knew that by talking to you on the front side, and I’m always a big one, especially talking about the pre-purchase side of it, whether it’s a daily driver or you’re looking at a classic car. Knowing where you’re at on the front side versus figuring this out on the back side, much, much easier to call you on the front side.
SPEAKER 12 :
Oh, 100%. We’ll do a free consultation. I’ll run some numbers real quick. You tell me what the party’s asking for the vehicle. I’ll run some quick numbers, say, yeah. It might or might not be a good deal. You know, if you want me to dive into it deeper and do the actual, you know, research to figure out is this truly what it should be, you know, that’s a different story.
SPEAKER 10 :
Okay. Okay. So for all of you listening, again, BP Appraisals, Burke Paints, who we’re talking to, the owner of 720-295-1018. And if you forget any of that, just go to any of my websites. You’ll find him listed there. And, again, you can always text me for that information. Continuing on really quick, I’m going to switch gears into the gun side of it in a moment, too, Burke. But really quick, back to the whole classic car end of things. Because for those of you listening, if you really want to go have a really nice hot rod, go to some of the car shows and so on, I will tell you, Burke, right now, and you know this as well as I do, there’s some really good buys right now in the marketplace where you could go out and find a car and do a lot of what we’re talking about, still tinkering around with it and have fun and so on, and really enjoy it. Now, with all that being said, this is where you come into play, Burke. knowing where the value of that car is today in relation to what it is, what’s it look like, and so on, versus some of the other vehicles that are in the marketplace. On the same token, I want to get your thoughts on this. Personally, depending upon the era of the car, we’ll take those early Fords, 32, 34 Fords. They’re fun. They’re great. They’re fun to go to the car shows. But if you’re looking at those cars as an investment, I hate to say this, and there’s some folks that might disagree with me, Burke, and I want to get your opinion on this. I don’t think they are because I don’t see the value of those coming up much. In fact, if anything, I think they’re still going to drop some.
SPEAKER 12 :
I agree with you. I think the big issue right now is the generation is aging out. Yep, you’re right. The American graffiti generation, you know, and that’s where those cars were made big at, you know, is aging out. And unless, I mean, you know, Hollywood tomorrow decides they’re going to remake American graffiti and it gets spun up again, then that might change. But in my bet, I think, yeah, you’re right. They’re definitely going to lose in value. And they’ll still be the few that hang on. and they keep their value depending on historical information and that kind of stuff. But for the most part, the everyday… One, you’re seeing fewer of them at car shows.
SPEAKER 10 :
You are. Yeah. And for those of you listening, I’ll give you an example. So I own a 32 Ford Highway. Very, very, very nice car. I mean, this is a show quality type car. I happened to pick it up just kind of perusing around Facebook marketplace. And this car, Burke, had all of the build sheet from it. It came out of Michigan. And I’ve got everything, all the pictures, you know, the whole walkthrough, you know, there’s a. there’s a box that came with the car that shows every single thing that’s been done to it, how it was built and so on. And I’m not joking. The car is, is literally flawless. Whoever built the car just did an exceptional job, you know, building everything. I mean, they didn’t, they didn’t turn, you know, didn’t leave a stone unturned and probably Burke. I mean, I just know from what it takes to build some of these cars had 150 grand in this car if they had, nickel and I bought it for literally a fraction I mean a literal fraction of that price to the point where there’s no way I could have even painted the car for what I paid for it that’s the value of those cars as my point Burke you know you’re absolutely right and the you know that’s another thing you know we’re talking about you know staying on the front side of your your your builds in your garage and
SPEAKER 12 :
Parts are getting more expensive. Paint is outrageous.
SPEAKER 10 :
Yep, absolutely.
SPEAKER 12 :
And you do a new paint job on your hot rod and drive up to the coffee shop and someone scratches the side of it. Is your insurance looking at what it just cost you to have that paint job done?
SPEAKER 10 :
Great point.
SPEAKER 12 :
Or are they looking at just taking it to MAKO?
SPEAKER 10 :
Great point. No, that’s a great point because I should talk about this probably more in depth in some later shows. But to your point, Burke, a really good solid paint job, and I’m not talking even show quality. I’m just talking a really decent paint job, one that’s very respectable. You could take to car shows and so on. I’m not talking about it being absolutely perfect and block sanded umpteen jillion times. I’m just talking really good solid paint job. It’s $20,000 if it’s a nickel.
SPEAKER 12 :
Oh, easy, easy.
SPEAKER 10 :
And that might be depending upon the car on the low side, depending upon how much prep work and everything else goes into it. I mean, I don’t think folks realize, Burke, just the cost of material alone. By the time you bought all of your material, sandpaper, Bondo, sealers and primers and the paint and so on, you’re four or five grand just in material.
SPEAKER 12 :
Oh, easy. And then if you start talking specialty paint, you get a Plum Crazy Purple or something with Blake in it. You’re talking much more.
SPEAKER 10 :
Okay, so here’s a question for you, and I don’t know if I’ve ever even asked this of anybody like you. Those particular type of paint schemes, colors, and so on, does it change the value of the car at all?
SPEAKER 12 :
For insurance purposes, yes.
SPEAKER 10 :
Okay.
SPEAKER 12 :
For resale, no. For resale or actual marketplace value, sometimes, yes. Sometimes it actually can diminish the value.
SPEAKER 10 :
I agree. I agree. And by the way, I have one of those. So the car I just told you that I bought, which I’m kind of old school, and I like the tank on the front, the aluminum tank. My car has flames, and I love flames. I did as a kid, and so I didn’t buy it for the resale end of it so much as what I just wanted. But I know, Burke, going into it, some people love flames. Some people hate them.
SPEAKER 12 :
Yep, absolutely. And, you know, I tell people ask a lot of times, you know, what what color should I you know, I’m looking to resell this car. What color should I paint it? You know, my answers are stay with your your basics. Don’t get crazy. Yep. Because the person who buys it, depending on what either they love it and they love the paint scheme like you did with yours or they’re looking at it. Now I’ve bought this car. Now to get it to be what I want it to be, I’m going to have to drop another $20,000, $30,000 on it for the paint job.
SPEAKER 10 :
Correct. No, that’s a great point. Okay, I’ve got a few minutes left here. In fact, we’re just going to go a bit long. We’ll take a break here once we’re finally done, Burke. Guns, another thing that you do, for all of you listening, some of you end up with some gun collections, or you could have a collection that you’re trying to get appraised so you can do your estate planning correctly, or you’re inheriting some things, or whatever the case may be, or you’re just wanting to know, maybe, Burke – In some cases, you know, what is the value? Guns are one of those things that depending upon the make and model of the gun, little different than cars. In a lot of cases, if it’s something that’s even a little bit more rare, they’re not only holding their value, they are increasing in value. And depending upon, frankly, and this is where I wanted you to talk as well, depending upon the politics of what’s going on can change the value of a gun collection. Am I right or wrong?
SPEAKER 12 :
You are absolutely right. You know, especially you go back and look at… You know, some of the past, you know, like some of the past high-capacity mag bands. Right, right. You could have bought, you know, back in the 90s before Bill Clinton’s high-capacity mag band, you could buy SKS magazines for… $10. After the ban went into effect, they were $50.
SPEAKER 10 :
So if you’re a guy that has a lot of those pre-banned mags, and maybe you’ve got, I don’t know, in some cases, Burke. I mean, I was one of those guys that back in the day before Magpul even pulled out of Colorado and we had our ban here, I went out and Magpul had a special you could buy and buy the case. So I bought several cases of them back in the day. To your point, those things sitting on the shelf have done nothing but go up in value.
SPEAKER 12 :
That’s absolutely right. You know, and I, you know, they may drop in value, you know, with the new administration coming in, depending on if they ease up on those.
SPEAKER 10 :
Great point.
SPEAKER 12 :
And, you know, also depends on what the Supreme Court does. That’s right.
SPEAKER 10 :
That’s right. No, great point. Point being, for all of you listening, if you’ve got, you know, a fairly decent collection, you want to know what the value is. You want to do that not only for the insurance purposes, but maybe even for your own peace of mind and knowing, you know, what is my value here? here. And in some cases, maybe you’re getting to the point where that will be passed down in the not-too-distant future. You may be wanting to do a gun trust, by the way. That’s another thing that I think you should get an appraisal for as well, Burke. Again, numerous reasons. Point being, you can handle that. I guess that’s where I wanted to make sure I’m clear on that. You can do all that.
SPEAKER 12 :
Absolutely. And we do from a couple guns to an entire collection. And we… We’ll work with them. If we have a 20, 30 gun collection, we’ll sit down and we’ll talk about the collection. We’ll talk about what actually needs to be appraised. I mean, a standard Colt AR-15.
SPEAKER 10 :
with nothing done to it probably doesn’t need to be appraised we can probably just look and say okay this is what they’re selling for right right yeah for example somebody’s got a couple of glock 17s or something you kind of know what the street value of a glock 17 is don’t necessarily need an appraisal on that but if you’ve got an old colt python by the way that’s a different story yep absolutely um and colt pythons that’s one i i kicked myself for i had an opportunity to buy an entire collection
SPEAKER 12 :
back before I got into this, and I passed it up, and it was a friend of mine, and I wish today I had not messed that one up.
SPEAKER 10 :
I wish you would have, too, because those of us that know anything about those know what they’re doing. I was fortunate, and they’ve done some remakes, as you know, and I don’t know where the value of those are going, but I was fortunate to where I had a relationship with a gun dealer that got two of the ones just of recent that they went ahead and remade, and they didn’t make a ton of, but I was able to at least get two of the of the remakes, I guess you could say, hoping that those will go up in value in the not-too-distant future, which I think they will, but you’re more of an expert on that than I am.
SPEAKER 12 :
I would say that anything with limited availability will likely go up in value, especially something with the name of the Colt Python and that, because it is People do want those. They want, oh, Grandpa carried a Colt Python when he was a sheriff for whatever agency. I want to put his badge in a shadow box with a Colt Python in there. Those kind of things, those will definitely draw money.
SPEAKER 10 :
Okay, good to know. Okay, anything else, Burke? I’ll let you go. I appreciate you taking time out of your day for us. It’s a beautiful day outside. I know you’re working in the shop and stuff, and I appreciate you doing it. Anything else you want to add to all of this where folks really need to call you for your services? What else can we add to this?
SPEAKER 12 :
I think the big thing is, especially with total loss, like we talked about to begin with, if we’re already behind the eight ball, and I know that people are hurting, you’re in a car accident, you’re worried about money and that, but at least give us a phone call and let us do a quick free consultation for you and tell you whether that offer is a decent offer or not. If I don’t think I can get someone some additional money, I’m not going to take the case, and I’ll tell them that. I’ll say, hey, this is a decent offer. Take it and get yourself a car. But if they’re lowballing you by even $2,000 or $3,000, I’m going to tell you that. I’m going to say, hey, listen, we might be able to get you some more money. And we’re able to do it quickly. So that’s the nice thing about it.
SPEAKER 10 :
Good to know. Well, and really quick, Burke, you said earlier that the average, on the front side, they’re spending about 13 minutes trying to determine you, your demographics, the car, the value, and so on, and get you that quote and get you an insurance on the front side. I will also say this, and you know this, Burke. On the back side, when there’s some sort of a claim, I also know, and I’m not trying to beat anybody up, it’s their job, but it’s the job of these adjusters, whether they’re working for the insurance company directly or they’re a freelance adjuster. It’s the job of those adjusters to get that claim closed for the least amount of dollars to the insurance company as possible. So typically speaking, their first offer, I’ll just tell everybody straight up, Burke, it’s most likely going to be low because rarely do they come in with a decent offer.
SPEAKER 12 :
That’s absolutely true. They don’t. Because you’re right, they’re trying to sell this for as low as they possibly can. And that’s one of the things that when you read your policy, there’s an invoking the appraisal clause in your policy. And that’s all you have to tell them. And then that insurance company has to go out and hire an independent appraiser to look at the car. And then the client hires me, and the appraiser and I basically develop our own appraisals, and then we compare them. And nine times out of 10, when I get the first email from that independent appraiser, he’s like, you know what, Burke?
SPEAKER 10 :
i’m good with your price or hey we’re 500 apart what can we do to fix this got it you know got it well that makes total sense and for all of you listening please yes whether you’ve had an accident of late you may have one down the road this is by the way phone number put burke’s phone number in your phone and have it handy because you know burke i i can just tell you even from some family things that have gone on in my world in the last several months you never know what’s going to happen tomorrow
SPEAKER 12 :
Absolutely. And being prepared is, you know, like you said, being on the front side of things is important.
SPEAKER 10 :
Yep, absolutely.
SPEAKER 12 :
And knowing what you have, but also having that backup plan if something does go awry. What can you do? Who do I call? Who do I reach out to to help me through the situation? Because I’ve been in car accidents. I understand it. It’s traumatizing.
SPEAKER 10 :
Yep. And really quick, Burke, just to interrupt. Thank you for saying that, because the other thing I feel like and again, not knock on these appraisals or, you know, these these adjusters, I should say. They know what you just said. And in a lot of ways, the slimy ones will even work on that because they know that, hey, I’ve got a rattled client. I can get this thing closed pretty quickly and move on. And they will use that to their advantage. And I’m not exaggerating in what I just said.
SPEAKER 12 :
No, you’re absolutely right. They will. And they also realize you’ve got to get to work tomorrow.
SPEAKER 10 :
Right.
SPEAKER 12 :
You’re thinking about, hey, I’ve got kids’ soccer games coming up. We’ve got this trip planned. We’ve got to go to Grandma’s for Christmas. And they’ll offer you lowball just to get it done. And you’re like, oh, thank God. I’ve got money to go put down on a down payment on a card. Let’s get this going. And there’s that urgency in it.
SPEAKER 10 :
Yep.
SPEAKER 12 :
And just take a minute.
SPEAKER 10 :
Slow down.
SPEAKER 12 :
Let me run the numbers.
SPEAKER 10 :
That’s right. Yeah, if there’s any advice I could give to all of you listening, please, in these particular situations, slow down, take a breath. Time is not of the essence. Time is on your side, actually, when it comes to these particular claims. And last but not least, Burke, they need to call you to get your advice on all of the rest of this. But my point is, slow down, take a breath. It’s not as big of an emergency as the insurance company might make it sound.
SPEAKER 12 :
No, absolutely. And they’re pressing you. They want to get this closed fast.
SPEAKER 10 :
Absolutely. And by the way, partly why I wanted to have you on towards the end of the year here, these guys work on calendar cycles also. So if they’ve got things outstanding as we close out 2024, they’re going to want to get those things off of their books. That could be a disadvantage, Burke, or an advantage. In other words, if they’re trying to get some things closed off and they’re $500 apart like you were talking a moment ago, chances are to get it off the books by the end of the year, they’ll just give you the $500 and get the thing done and over with. But that’s where you have to come into play.
SPEAKER 12 :
That’s right. And that’s where that independent appraisal comes in. And we back it up with facts. You and I have talked about this before. Determining an appraisal is an opinion of value based on facts. Right. At that time. Yep. At the time and place of the accident.
SPEAKER 10 :
That’s right.
SPEAKER 12 :
Or time and place of the appraisal. So, you know, you put your car in the garage, and I come out and do an appraisal on it, and two weeks later the garage collapses on it. We’ve done the appraisal. We have it locked in time, and that’s the really nice thing about it. Gotcha.
SPEAKER 10 :
Burke, as always, again, thank you for taking time out of your day. I appreciate it very much. For all of you listening, please, whether you’ve got a gun collection, whether you’ve got a particular car, you want to get it appraised because it’s a hot rod, a classic, something along those lines, or you’re just looking at the situation of, hey, I’ve had an accident. I don’t feel like I’m getting out of the insurance company what I should be. I really feel like I’m getting taken advantage of. Yes, for sure. Call Burke today, 720-295-9000. 0108. And as I said earlier, if you forget that, send me a text message. I’ll get you guys together with Burke. But again, Burke, hey, thank you very much. Merry Christmas to you and your family. And thanks for all that you’re doing for our listeners. I appreciate it very much, Burke.
SPEAKER 12 :
No, thank you for having us on. And Merry Christmas to everybody out there. And let’s all have a safe holiday.
SPEAKER 10 :
Absolutely. That’s a great partnership, Burke. Thank you, by the way. Again, I appreciate it very, very much. And we’ll have you back. Never fear. You’re the man. And for all of you listening, he’s the expert. So if you have a question, call him. All right. Appreciate you. Thanks, Bert. Appreciate you very much. All right. We’ll take a quick break. We’ll come back. Get on track. I’ve got a few things left to talk about here in the second half of the show. Fix It Radio, KLZ 560.
SPEAKER 06 :
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SPEAKER 01 :
You are responsible for making sure that you are properly insured, but you’re not alone. While Paul Leuenberger believes in personal accountability, he wants to make sure he’s setting you up for success as your home and auto insurance agent. Paul will teach you about how you can save money on your premium while being fully covered in case of a loss. Your insurance should be for emergencies, not petty cosmetic issues. Insurance is not a coupon, your bank account, or for maintenance. Paul Leuenberger will tell you that your insurance is for emergencies. And when you work with Paul, you’ll be rewarded for your diligence. Ask him about their incentivizing rebate program. Take a higher deductible and take responsibility. It’s just one of the ways they can afford to keep their rates low. Take control of your life. Take responsibility for your insurance coverage. Call Paul Leuenberger with American National Insurance now at 303-662-0789. That’s 303-662-0789.
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SPEAKER 10 :
All right, we are back. Fix It Radio, KLZ 560. And I do, I want to say a special thanks to Burke Payne, BP Appraisals, for joining us today. A great guy, as you can tell. As honest as you guys will talk to when it comes to this end of things. Not that all appraisers are not, but in his case, you could tell that he definitely is. If he feels like he can help you, he will. If he feels like he can’t, he’ll tell you that on the front side as well. Meaning you won’t spend any money with him until you actually find out You know, what’s the outcome going to look like? And you know what, Larry, those are the type of people that we have across the board. We don’t have any other partners that would do it any other way. That’s just how we do it.
SPEAKER 09 :
It’s been that way forever, but I have to say I’ve been gone for a while, so this is my first trip in. That last 30-minute segment was very informative.
SPEAKER 10 :
He’s a super sharp guy, and for a lot of you that, again, you may just have a menial accident or what you feel is, and you feel like, well, I’m going to get this check from the insurance company. I’m golden. Are you? yeah are you i i again maybe maybe not probably worth at least a phone call to burke and say here’s my situation here here’s you know here’s what they’re offering me here’s kind of what the outcome is going to look like do you think this is fair or not and before you sign on the dotted line call and ask well it sounds to me that burke isn’t
SPEAKER 09 :
opposed to doing a second opinion.
SPEAKER 10 :
Absolutely. Yep. Absolutely. So if you need anything at all, again, Burke Payne, 720-295-0108. And that’s across the board, whether it’s on the car side, an accident, a classic situation where you’re trying to get the right value for insurance, or you’ve had some damage to a classic car. That’s the other thing he can actually work on or the gun collection sides of things as well. Good to know. All right. One thing I wanted to mention, I was reading the news, even this morning, Reported package thefts are increasing again in Denver, mainly because those thieves rarely get arrested. And 2024 is on track to be the worst year for package theft in the last five years, according to Denver police. Now, that’s not just Denver. That affects us around the whole area, suburbs and so on. So reason why I brought this up on to fix it radio is because this is a home related situation. You’re getting packages delivered and so on. and I hate to say this, having a camera, while that might seem great, all you’re going to do then is just watch the guy leave with your package. Your chances of finding that person from that video, fat chance. So my point is there’s a lot of different services that allow those packages to be delivered more securely. For example, there is, with Amazon, not all deliverers, but with Amazon, there’s the MyQ app that you can typically use for your garage door. And there is a way to incorporate that into Amazon with their deliveries where they actually open the garage door, deliver your package inside, shut the garage door, and leave. Now, I would, not because I don’t trust Amazon, but just in general, I would put a camera in the garage. Because that is a situation where if all of a sudden your delivery guy is wandering around the garage for whatever reason, yeah, there’s some backing to that is my point. You could go to Amazon corporate and say, hey, why is this guy wandering around you? Why is your delivery guy wandering? Now, I will say this for all of you Amazon drivers that are out there. I highly doubt that would happen. I’ve watched you guys. I’ve talked to you guys. You’re upstanding folk, and no offense. I know these guys, and some of them kind of on a personal basis. They’re in a hurry. They got a lot more stops after you that they’re trying to get in where, no offense, they’re not going to dink around. They’re like the UPS guy. They got places to be. things to do it they’re not going to wander around anyway so my point with that is a lot of people get sorta freaked out that i’m gonna let some stranger open my garage leave a package and then leave will put a camera in the garage if you like and in monitor it if you have to but i will tell you that to me the safety factor of that uh… i would i would lose the sleep over that and i want to know so that’s one way of doing it for some of you that may not have that as an option And I’ve seen several videos, kind of interesting how this tied together. I saw several videos this week and then read this this morning, several videos this week on companies now that make really nice lockable boxes that you can put either along the driveway or on your porch where those packages then go in and have to be unlocked to get back out. And I will tell you, these porch pirates, they’re not going to stand around there trying to open that lockbox. looks like anybody stealing a car yeah these guys are looking for the easy prey they’re looking for that package in some cases they’re following the driver around and and they’re looking for you know a package that gets dropped off and they’ll just quick grab it as soon as the driver leaves if you’ve got a lockable type container that that package is being left in you won’t have any issues along those lines now i could i will also tell you this With Amazon and most deliverers, I haven’t found this to be, there’s not too many exceptions to this, I guess I’m trying to say. If there’s something specific about your delivery that you need done, please put package here. Please use this code to get in here. Some of you have automated gates and things like that where there’s a code that has to be punched in. Maybe you live inside of a community where there’s a gate that, you know, opens and closes and so on and you probably have your own way of making that happen as a community but my point is you might individually even have some uniqueness to what you have going on you can tell at least with Amazon and I’ve found this with most shippers there’s always this shipping instruction box You can put in there, please do X, Y, Z. So please use the app, well, with Amazon, the app and all that, if you decide to do that, that’s already an included thing. But let’s say you’ve got something, a lockbox, something along those lines. You can put special instructions into the delivery end of things to tell them how you want that particular item delivered. So whether that be USPS, UPS, fedex amazon whatever you can put in special instructions that say please put package in in this case in lockbox now most of them would walk up see it and put it in there and leave anyways but i would advise you that if you’re going to have one of these types of boxes or whatever go ahead and put instructions in there as to how that works now some of you may decide please put You know, please put box, you know, behind said bush or whatever the case may be. So at least a porch pirate driving by doesn’t just see packages sitting up on the front porch. Again, you can put special instructions, which I don’t think most people realize, but I’m very familiar with this. You can put instructions in there on what you want folks to do when they deliver packages to your home. Most don’t.
SPEAKER 09 :
Typically, they’re right on the order form when you decide how you want your package shipped. We’ll ask you, do you have other instructions or whatever the case may be.
SPEAKER 10 :
Right. Where this gets a little dicey is you get a gift from someone, and they don’t know what some of those specifics to your home are. So you’ve got a family member that’s delivering whatever. They buy you an item, and it gets sent from Amazon to you. Well, unless you’ve got kind of an overall – you know, where the Amazon driver knows you and knows what to do, that’s where it gets a little bit dicey because if that’s coming from someplace else and nobody put anything into the special instructions, it gets a little bit weird as far as that goes. So that’s one of those where you might even want to talk among family and friends that, hey, if packages get sent to me, please do, you know, XYZ to have those packages delivered because I’ve had, you know, we have an issue in our area of porch pirates and stuff. So on and so forth. And I just want to make sure that, you know, we’re doing all of this so that stuff doesn’t get stolen off the porch. You could tell some friends and family that. And again, in some cases, it’s still, you know, you got to take your chances when it’s all said and done. But this is something I don’t know. Charlie, you might know this better than I. If they’ve delivered the package and then it walks off, that’s probably on you. I don’t think Amazon or anybody’s going to do anything along those lines to replace said item, are they? Yeah, Charlie just said, unless they put it at the wrong address or something along those lines, if they have proof they dropped it, because Amazon takes a picture. They tell you that this has been delivered and here’s where we set it and so on. You’re on your own at that point. Whatever you lose, you’re losing. Now, I also will tell you this. You can also require signatures and things along those lines where if it’s something that’s a little bit more expensive, it’s more than a $20 or $30 item, and even that you don’t want to lose, but you don’t want to lose said item. You can put in their signature required, and at that point they have to find you. And keep in mind, you have to be home to be able to sign for those items and so on, and that can get a little bit tricky as well. Or you can just say, you know, leave at… You know, your facility and I will pick up, you know, if it’s an expensive item to where you don’t want to have it on the front porch or deliver it to your office to where you know there’s always going to be, you know, somebody around to accept the package. There’s other ways to do that also. But bottom line, this is an epidemic. It’s happening everywhere. in defense of the cops there’s not enough of them that’s budgetary on the cities and so on i’ll get into that during the week i’ve actually got a topic monday to cover on some of that made me think about this in their defense they got so many other things to do they’re not going to track your package down sorry i hate to say this but i’m not sure calling them is even going to make a whole lot of difference i mean i guess you should just to report it but at the end of the day you’re not going to get your package back And we have all seen those videos out there to where people trick the porch pirate. They put something in it that blows up when they open it and things along those lines. And we’ve seen all those videos to try to get back at the porch pirates. Frankly, folks, more power to them. I don’t have time. I’ve got other things to do. I don’t have the ability to set up a sting operation for porch pirates, and I’ve got more things on my to-do list than that. So if they want to do that, fine. And I get it. It’s really a problem in a lot of places. And these people will steal these things, and then they’ll go resell whatever that said item is. They get half the value back out of it. They’re way ahead because they didn’t pay anything for it. So point being, 2024 is on track to be the worst year for package thefts here in our Denver metro area. So it is a problem. I personally would not have things delivered and just set out on the front porch unless you’ve got some sort of a secure area where that can happen because your chances of that item being there when you get home from work or whatever you happen to be doing that day, good luck. I I would not do that. And I know a lot of people do because I see it. I’ll be traveling around. You watch the driver stop and run up and deliver a package and goes on the porch and off they go. And there is not an ounce of security along those lines. So anyway, just a side note, just make sure that you’ve got all that dialed in. Think on the front side. There are tools out there that can enable you to have deliveries in a more secure way. I would really look into that, especially during this holiday season. All right, we’ll be right back. This is Fix It Radio, KLZ 560.
SPEAKER 11 :
Looking to buy or sell a classic car? Need a reliable valuation you can trust? Look no further than BP Appraisals, LLC. With over 20 years of experience in the appraisal industry, we provide fast, accurate, and professional appraisal services that you can count on. Did you know that an appraisal can also entail the forecasting of monetary earning power? An appraisal is a document with a valuation conclusion. It is not a pre-purchase inspection, a mechanical evaluation, or a recommendation to buy or sell your vehicle. It’s the actual value at that moment in time, which many need for things like estate planning, insurance, or investing. At BP Appraisals, we value your property like it’s our own. Make informed decisions with confidence. Don’t settle for less. Choose the experts at BP Appraisals LLC, where precision meets professionalism. Visit us today at bpappraisalsllc.com and schedule your appraisals in just minutes. BP Appraisals, LLC. We know what your property is worth. That’s bpappraisalsllc.com or call 720-295-0108.
SPEAKER 08 :
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SPEAKER 01 :
You are responsible for making sure that you are properly insured, but you’re not alone. While Paul Leuenberger believes in personal accountability, he wants to make sure he’s setting you up for success as your home and auto insurance agent. Paul will teach you about how you can save money on your premium while being fully covered in case of a loss. Your insurance should be for emergencies, not petty cosmetic issues. Insurance is not a coupon, your bank account, or for maintenance. Paul Leuenberger will tell you that your insurance is for emergencies. And when you work with Paul, you’ll be rewarded for your diligence. Ask him about their incentivizing rebate program. Take a higher deductible and take responsibility. It’s just one of the ways they can afford to keep their rates low. Take control of your life. Take responsibility for your insurance coverage. Call Paul Leuenberger with American National Insurance now at 303-662-0789. That’s 303-662-0789.
SPEAKER 02 :
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SPEAKER 10 :
All right, we’re back. Get things tidied up here for this particular show. Again, December the 7th. So, yes, it is Pearl Harbor Day. So thank you, especially all you vets that are out there. We appreciate all that you do for us and keeping us free. Can’t say that enough. And remember what happened today.
SPEAKER 09 :
John, I heard an interesting response from a veteran the other day when he was told, thank you for your service. And he looked at the person that said that and said, I did it for you and people like you.
SPEAKER 10 :
Nice response.
SPEAKER 09 :
Yeah, I thought it was great. Nice response.
SPEAKER 10 :
Really quick, I want to make sure I add in because Charlie reminded me of this. So going back to the whole package theft thing. This is with Amazon. I don’t think the other delivery companies are able to do this to my knowledge. If they are, somebody can text me and let me know. But you can also have things delivered to an Amazon locker. Now, a couple of things you need to make note of there. One, look and see where those are at. And the one thing you have to be a little bit careful of is if you’re in an area where you might have a really low tax rate, maybe you’re in an unincorporated area and you’ve got a 4.8% or 9% tax rate, be careful where you have the locker, where that locker is positioned, because you could go two blocks away and pay $7,000. or 8% sales tax on said item. And if it’s a large item, that’s a sizable amount in difference. So you kind of got to watch that in that particular area. Now, if you’re in a high tax area and it doesn’t make any difference, look at where your Amazon lockers are near you. And believe it or not, they’ll be in some odd places. There’s been times where I’ve walked by some Amazon lockers and I do like a double take and think, I didn’t know those were here. And it’s in a store that you wouldn’t even picture Amazon lockers being in. They’re bright yellow. And the way that works, I’ve used them. The way that works is you decide you want to deliver to this particular Amazon locker location, and they do the rest. They will tell you which locker, when it gets delivered, what locker it’s in, what the code is to get that particular locker open, and they know when you did and that you took it, and it’s really seamless. Believe me, it works very, very well, and it’ll size the locker according to the package even that you’re having delivered. Again, they all know that end of it, and it works out very, very well. So just something to think about where if you’ve got a higher value item and you’re in one of these areas where porch pirates are abounding, you can do the Amazon locker delivery, and it’s a nice alternative where if you’re someplace where, hey, I, you know, i need this thing delivered and i’m not really sure now one other thing before we close out that this works for as well i’ve never used it this way but i’ve heard of people that do you’re on vacation somewhere and you all of a sudden realize you need something and you’re going to be there for maybe a full week keep in mind you can still have an amazon delivery to a locker near you because you’re there at that point in time and yes you can do that so a lot of us think well i’m not home i can’t get deliveries well in the case of amazon Yes, you could because, again, these lockers are everywhere across the country. So if you find yourself out on vacation needing something that maybe you forgot and you can just go ahead and buy it because it’s cheaper to do it that way than it is to run around and try to find it, you can also do it that way. So just, again, keep in mind, package thefts will be at an all-time high for 2024. Keep those as safe as you can. Again, Fix-It Radio, our website, fixitradio.com. Thank you all for listening.
SPEAKER 04 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
