KLZ 560 AM DENVER'S CONSERVATIVE HOME STATION
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Today we get into the snowy conditions affecting us, while segueing into a compelling conversation with Burke Payne about the significance of vehicle and firearm appraisal. As the dynamic car market experiences fluctuations, aligning your property’s value with market reality becomes imperative. Our conversation covers everything from insurance requirements to estate planning, relevant to both car enthusiasts and someone managing family assets. Discover how younger generations are affecting market trends and what this means for your brass era and classic vehicles. With insights on agreeing to proper insurance values both ahead and after any modifications, this discussion aims to
SPEAKER 09 :
Walter?
SPEAKER 03 :
Upstairs! Are you all right?
SPEAKER 05 :
In the floor behind the chair.
SPEAKER 10 :
This is America.
SPEAKER 02 :
Does everybody know what time it is? Fix Radio.
SPEAKER 14 :
and it is fix it radio klz 560. thank you all for listening we do appreciate it very much don’t forget drive radio follows us unless you’re listening to our replay of this show on tuesday uh which if you are thank you very much and for those of you that don’t know you can re-listen to this hour uh tuesday between 2 and 3 p.m right before my daily show so we appreciate all of you listening larry younger who’s normally with us answering the phone still out he’ll be with us here In the next few weeks, we appreciate Larry, and if you’re listening, thank you. And those of you that are maybe hunkered down because of the snow, just stay safe, enjoy. Some places got a lot of snow. Some places didn’t get much snow at all. Weird storm, typical, more like a spring storm. And that way, I’ll talk about a few things around that as well. First, though, let’s talk to Burke Payne. He is one of our great sponsors. Burke, welcome. How are you, sir? Doing well. And yourself? I’m doing great. Thanks for calling in this morning. And like I said a moment ago, some places got a lot of snow. Some places didn’t get a whole lot of snow. What’s it like for you?
SPEAKER 05 :
We actually got a lot of snow that actually caused some damage here at the house.
SPEAKER 14 :
Well, that’s never good. Yeah. We don’t want that.
SPEAKER 05 :
No, definitely not. We had a carport collapse.
SPEAKER 14 :
Oh, no. And so… That stinks. Well, okay, so talk to us. Burke is with Burke Payne Appraisals, and Burke, again, appreciate you and being a supporter of what we’ve got going on here, not only here, but on Fix-It Radio here and Drive Radio as well. BP Appraisals, by the way, for all of you listening, that’s the website. There’s a link on our website to find Burke. Actually… link on all of my websites to find Burke. It’s really easy that way. Burke, number one, why are appraisals so important?
SPEAKER 05 :
Well, you know, they’re not only important, you need to, everyone needs to have a true value of their vehicle. And that’s what we do at BP Appraisals. We specialize in vehicles and firearms. And for vehicles in particularly, classic cars and that, it’s It’s important to have a true appraisal and a true idea of what your vehicle is worth when you go to insure it.
SPEAKER 14 :
So on top of that, too, Burke, and I’ve got some classic cars, so I understand some of this a little bit as well. A, you need that value for the insurance side because you want to make sure you’re insuring it for what it’s actually worth. And then, of course, and we’ll get into this as well, you’ve got some of the estate planning and things along those lines as well. And there can be other business dealings, divorces, things like that where you need to know true value as well, right?
SPEAKER 05 :
Absolutely. Absolutely. We do do a lot of estate planning to help to assist with that. You’ve got four kids and three cars, and you need to figure out how to divide them equally or vice versa.
SPEAKER 14 :
Or even just letting the family know values, and if they choose to sell some things off, at least they know what that is, and you’re hopefully trying to make things, in some cases, as equal as possible. That gives you that determination as well.
SPEAKER 05 :
Absolutely. And you also, you know, you don’t want, you know, God forbid, you know, a car enthusiast passes away and the person that inherits it has no idea what they have. Good point. And, you know, they get someone down the block says, hey, you know, your uncle’s old car, you know, I’ll give you $2,500 for it and get it out of here today. Well, they’re looking to get, you know, the state. and they walk away and leave $10,000 on the table. That’s right.
SPEAKER 14 :
Or more. In some cases, more. Or more. Okay, so here’s a question for you, and this is something that I don’t think I’ve ever talked about on any of my programs. How often should you do this? Because, I mean, I know that you can get it done. I’m also a car enthusiast, and I know, Burke, that things change. The marketplace changes. Some of the, you know, for example, some of the cars that… are of my dad’s era, the 30s and 40s, Fords, some of those era of cars at one time were worth a lot more money than they are right now today. And they vacillate is my point. And as the marketplace demand decreases because of the age of some of the buyers, which is what’s happening in some of these areas, it changes values, correct?
SPEAKER 05 :
Absolutely. You know, interestingly enough, we’ve seen an increase in brass era cars in the market and what it is it seems to be that the very younger generation of car enthusiasts are jumping on these brass era cars interesting and it’s really it’s it’s great to see it you know you’re talking 20 something year olds who have just gotten out of college have got maybe a six figure income and they’re like hey i want that car that grandpa had or i want that car that you know that’s in that picture And they’re buying these brass era cars, which is really, I mean, because there for a while, the brass era cars were dropping like a rock.
SPEAKER 14 :
Yeah, they weren’t hardly, I mean, no offense, they weren’t worth what it cost to build them at that point in time.
SPEAKER 05 :
Absolutely. And it was because the generation was aging out of them. Good point.
SPEAKER 14 :
I didn’t. You just told me something that I was not aware of. So, by the way, thank you for that. So for all of you listening, and this is why, Burke, this is why you’re so important for the folks that are listening. It’s important to know those values, even making determinations on your own. You’re not dead yet. You’re still doing well, but you may want to do something different, you know, monetarily speaking, or maybe there’s a different car that you’d like to have. You need to know your true value, not based upon what somebody else is telling you, but what its true value is.
SPEAKER 05 :
Right, so we always say that an appraisal is an opinion of value based on facts.
SPEAKER 14 :
There you go.
SPEAKER 05 :
And we do, I mean, I spend hours of research on vehicles, and to find the true value, both with current cars in like a total loss situation, you’re driving down the road and your car gets hit, you know, your insurance company throws it into what they call the CCC-1 program, computer program and it spits out a number. And that’s what your insurance company offers you. They don’t take into account, take a Subaru in Colorado. Subarus are very much in demand in Colorado. So if you lose a Subaru in a total loss and they pull comps from, you know, the east coast where Subarus aren’t that popular, then your value is going to be substantially lower.
SPEAKER 14 :
Good point. Good point. Yeah, so we can talk about the insurance side of it in a moment as well. Back to the classic car thing, though, and this is where I wanted to spend just a little bit of time with you in that I think a lot of folks feel, Burke, that, okay, I got it appraised. I’ve got my insurance policy rolling along. In your opinion, how often should that be reappraised? Maybe in some cases, I mean, Burke, I’ve got cars I’ve owned for more than – A decade plus. I mean, at what point do you reappraise these is my point.
SPEAKER 05 :
So, you know, we say, you know, about every three years, take a good look at them. Unless something has changed dramatically in the market. Take the Ford Broncos or even the Blazers. You’re seeing those just shoot up in value right now. Now, you know, now’s the time to look at those. And say, hey, what’s it worth? Or let’s say tomorrow they come out with a new movie that has a, I don’t know, say a teabucket in it. and some actor or actress is – and that’s going to shoot up because that’s kind of the way the car market goes. That’s true. It follows kind of social dynamics.
SPEAKER 14 :
It does. No, you’re exactly right. So point being, for all of you listening, whether you’re a car owner, we’re getting to the gun side of it in a moment as well, Burke, but the reality is for those of you car owners and car enthusiasts that are out there, those of you that have some collections, make sure you’ve got this dialed in, Burke Payne. can do all of that for you BP appraisals phone number by the way 720-295-0108 and as I said when we were opening up he’s on all of my websites so if you miss any of that you’re driving right now you don’t feel like writing it down whatever the case may be just go to the websites you can find it there this one’s fixitradio.com you guys know how to get to drive radio and so on it’s really easy if you go to one of my websites you’re going to find BP appraisals There. Burke, when it comes to what you just said a moment ago, because this is something else I think that folks maybe don’t fully understand, and I appreciate what you just said a moment ago. The different era of cars. For example, let’s talk some of the later square body Chevy pickups. So, you know, we know that 72, 69, 72, those are super hot. Even 67 to 72 are super hot right now. To the point where, Burke, unless you’ve got a pretty good capital account and you’ve got the ability to go pay some cash for something or you can rebuild one from scratch, you might not even be able to be in the market for buying one of those. But the 73 to 80s are still somewhat affordable and, frankly, are on their way up. That’s one of those vehicles where if you want to make some money on down the road, personally, I think that’s one of the vehicles you can buy now, and it will appreciate as time goes by.
SPEAKER 05 :
Absolutely. You know, it’s kind of like, you know, back when I got into hot rods when I was younger, four-door cars were considered a parts car. That’s right. And now four-door cars are being restored because there aren’t any more two-door cars.
SPEAKER 14 :
That’s right. to be restored. It’s funny you say that, Burke. I was thinking the other day, I saw somebody advertising a, I don’t know, I think it was either a 56 or 57 Chevy post car. For those of you that maybe don’t know, the post cars were a, could still be a two-door car, but there was a post at the back of the door. The earlier, or the, I’m not, earlier is not the right way to say it. The other model of two doors were a non-post car, and the non-post cars are, of course, Burke worth a little more money. And when I was a kid growing up, nobody wanted a postcard because of what I just said. They weren’t worth any money. Well, welcome to today, and the postcards are getting to be worth money just like the non-postcards are.
SPEAKER 05 :
Absolutely. And it’s because they’re scarce. They’re becoming scarcer and scarcer. I mean, if you think about how many cars were built, obviously they’re not building them anymore. Some of them have rusted into the ground. Some of them have been destroyed in accidents. Some of them are sitting in barns under hay bales that we don’t know about. And we’re all waiting for those to pop out.
SPEAKER 14 :
Those barn finds, absolutely. All right, again, guys, BP Appraisal, 720-295-0108. Okay, diminished value. Let’s talk about that for a moment, Burr, because that’s a whole different classification of things. You don’t have to be a car enthusiast, but maybe you’ve got… car that’s a little bit older and it’s a little unique and you’ve done some things to it to really keep it you know up to speed and you know it’s it’s not unique in that it’s a collector car but you’ve done things to it and you’ve kept it up in a way that in the marketplace it’s worth more money than its counterpart you got to prove that to the insurance company though don’t you absolutely we do those
SPEAKER 05 :
In fact, I just finished one on a 2002 Ford F-250 7.3 liter. Unfortunately, it was destroyed in a total loss accident, and the insurance company offered this gentleman way less than what he had just, in the last six months, put into it in parts.
SPEAKER 14 :
Okay.
SPEAKER 05 :
So what we do is we do what we call a build appraisal, where I take every invoice and and I document this is what the park costs, this is what the labor costs, and then obviously deduct for depreciation and use and all that kind of stuff. And then we present that to the insurance company along with 12 or 24 marketplace examples showing similar like kind and quality of a, let’s call it a rebuilt vehicle matching that vehicle and saying, hey, this is what it’s worth. And we’ve had some really great success recently with that.
SPEAKER 14 :
Good. Good to know. So those of you that are in that particular situation as well. Now, I also would advise you that you get with the right insurance company. And I’ve got contacts on that as well. Paul Lewenberger, one of our great agents, you can contact him. And the reality, Burke, is, as you know, there are policies where you can do a pre-established value on the front side and then you don’t have to go through what you just talked about. So you kind of pay on the front side for what you’re doing instead of the back side.
SPEAKER 05 :
Absolutely. Absolutely. We suggest that with classic cars, you know, getting an agreed value on your vehicle.
SPEAKER 01 :
Absolutely.
SPEAKER 05 :
Yeah, you pay ahead of time. The only thing that I caution, because all of us hot rodders are kind of the same, and we get out there and we start tinkering in the garage, and before we know it, we’ve increased the value of our vehicle $10,000, and have we increased our policy? Absolutely.
SPEAKER 14 :
Good point.
SPEAKER 05 :
We had a client who had a 69 Maverick, got agreed value through a major insurance company for what he purchased the vehicle for, and then he did about $15,000 worth of upgrades to it. Wow. And unfortunately, it got into an accident, and the insurance company was like, yeah, we’ll write you a check for the agreed value. And that’s it. We couldn’t fight it because he’d done the agreed value and hadn’t updated his appraisal.
SPEAKER 14 :
Great point. Yeah, again, another reason why, for those of you listening, please, if you’re in that world, you’ve got some, and a lot of you listening do, that’s my market, you know, like begets like, Burke, and we’ve had listeners in that that realm for years and years and years. So I cannot stress enough. And the reason why I can’t stress this enough, and Burke, you know what I’m going to say next, the insurance companies are tightening things up today more than they probably ever have. And the reality is you got to have your ducks in a row.
SPEAKER 05 :
Absolutely. And that’s one of the things, you know, with our documentation, you know, when we do even a total loss appraisal, you’re talking about you know, approximately 41 pages of documentation on your vehicle, just on average. And, you know, the insurance company spends, what, maybe a minute and a half running your VIN through their computer program. They don’t know what you’ve done to it. They don’t know how you’ve taken care of it. We just did a total loss on a 2015 Mercedes-Benz that a nurse owned, total loss again. But she had babied this thing, a 2015 with 65,000 miles on it. I mean, she had definitely babied this car and taken very good care of it. And the insurance company is saying, well, it’s a 2015. Here’s what, you know. And I was able to find some comps and some marketplace examples, and we were able to get her some more money.
SPEAKER 14 :
Awesome. Awesome. Again, folks, I cannot stress enough, given where we’re at with things and how insurance companies are acting or reacting to things, and remember, folks, and it’s – Don’t take it personal. The insurance companies themselves and those adjusters and so on, Burke, as you know, it is their goal to try to reduce expense, and they do that in multiple ways, and you have to fight for what you have coming back to you, especially, Burke, this is where you also really come into play, when it’s somebody else’s insurance company that has damaged you, you’re up against a fight. Folks, I hate to tell you this, but rarely do they just write you a check for what you ask for. Am I right, Burke?
SPEAKER 05 :
Absolutely. And that’s in, you know, they pray. I don’t, I guess pray is probably the too strong a word, but we’re all in a hurry. We need to get our cards.
SPEAKER 14 :
No, I think pray is the right word. No, I think you’re correct on that. They know that that’s a fact. And if they can, you know, shove that claim aside quicker by just kind of throwing a number out that they think that person’s going to accept, that’s exactly what they’ll do.
SPEAKER 05 :
Yeah, absolutely. And we’re all in a pinch because, dang, we need a car. I’ve got to get to work tomorrow. That’s right. You know, my car is destroyed. So, you know, a lot of people take that first offer and don’t look at it. And they’re like, okay, you know, that sounds about right, you know. And when, in fact, you know, they’re likely leaving money on the table. That’s right. Absolutely. I was doing, you know, obviously I do research all the time, and I found an article that was actually written by the CCC1 book, the people that actually managed that. And they were saying that on average, 40% of all their claims are undervalued by at least $1,000. Wow. So if you take… In Colorado, there’s about 94,000 car accidents a year. Wow, that’s a lot. Yeah, if you extrapolate that out, that’s $37 million that the insurance company is basically shortchanging their clients.
SPEAKER 14 :
Yep. I just got a text message, and this is a prime example. So a text message just came in. Fully restored 74 Dodge W200 power wagon pickup to original condition. Would it be worth having an appraisal on that? Burke, that’s exactly what we’re talking about. Yes, it would be.
SPEAKER 05 :
Absolutely. Absolutely, it would be. And you have to because you have to show what you’ve done to it. And you have to get the right insurance.
SPEAKER 14 :
person too yeah thank you yeah thank you for saying that yes not only do you have to prove that on the front side but find the right insurance company that also understands that and is insuring it properly or you’re going to have nothing but a mess right if i took my 57 international pickup to to just the run-of-the-mill insurance company
SPEAKER 05 :
They’re going to say, okay, we’ll insure it. You can drive it, whatever you, you know. And then when a claim comes, they’re going to put that into their computer program, and it’s going to come out about scrap metal value. That’s right.
SPEAKER 14 :
That’s right.
SPEAKER 05 :
And that’s obviously not what I’ve got into it. Obviously.
SPEAKER 14 :
Yeah, and also obviously not what it’s worth, but to your point, that’s exactly what they do. All right, before we go, we’re going to take a break here in a minute. Before I let you go, Burke, talk to us about the gun collection sides of things as well, you know, Who should be looking for that? I mean, I’m guessing that somebody just has one or two pieces and they use it for self-defense and so on. That’s not really what we’re talking about. But when you’ve got, you know, a collection of, you know, multiple guns, some could be, you know, antiques and so on. I’m guessing that’s where you come into play. Am I right?
SPEAKER 05 :
Absolutely. You know, we look at We’re looking at the collections. We’re looking at people who are, like we talked about, planning their estate. With the laws Colorado has, we have to have everything valued now and everything documented. Also, maybe you got passed down a twisted barrel Damascus shotgun from your great-grandfather.
SPEAKER 14 :
know you don’t you want to know what it’s worth right you know you need to make sure you have your homeowner’s insurance there you go cover it absolutely yeah thank you for adding that because that’s another whole factor in this and making sure again having the right insurance and making sure that that’s handled correctly and again that’s not typically handled in your regular homeowner’s policy you’re going to have to make sure that that is specific and if not go find the right insurance company that will make it that way
SPEAKER 05 :
Absolutely. You’ve got to have that additional rider to cover, you know, even tools in your garage to take you back to the cars. A couple years ago, we had new neighbors moved in right after the Marshall fire. And he lost his hot rod in his garage and all his tools. And his insurance company didn’t cover him for what his tools were worth. Or it’s Hot Rod, obviously.
SPEAKER 14 :
Right. No, and again, folks, those of you listening, it’s very important. I cannot stress enough, it’s why we’ve got BP Appraisals with us now. It is so important to make sure that you’ve got all of these things, your ducks in a row is the way I should say that. on all things and the best way to do that because i i know i’ve been through some of this in the past burke when you’ve got the right things on the front side the right values established uh written documentation on those values which is what bp appraisals will do for all of you it makes the back side of it burke that much easier absolutely it really does and it makes things it you know like when we take over a total loss we we when you
SPEAKER 05 :
Take your insurance company and say, okay, I don’t agree with what you are offering me. I’m invoking my appraisal clause in my insurance policy. Nearly every insurance policy written in the United States has an appraisal clause in it, which basically says I don’t agree and I’m going to hire an independent appraiser. It also forces the insurance company to hire their own independent appraiser. Then the appraisers actually do the negotiations. So, you know, I’ll send my appraisal to their appraiser. He sends his to mine. And then we meet, we try to figure out where the middle is. And if we can’t, we hire what we call an umpire, which is a third independent appraiser that we both nominate. We both nominate three. And then we send it to them, and that person makes the ultimate decision on what it’s worth. Gotcha.
SPEAKER 14 :
Gotcha. Good to know. You and I had talked about that. We’ve never talked about that on air. But, folks, please pay attention to what Burke just said a moment ago. And, again, BP Appraisals, 720-295. 0108. And I know Burke well enough also to know that, hey, if there’s just some of you listening where you need some advice, hey, what do I do? Here’s my situation. I need to know how to handle, you know, XYZ. Burke, I know you well enough to know you’ll talk to them, advise them, and figure out what their plan of action should be.
SPEAKER 05 :
Absolutely. We turn down cases all the time. If I don’t feel like it’s financially feasible for you to hire me to be your appraiser, if they’re If the insurance company is offering a decent offer, I will tell you that because, you know, money, my reputation is more important than a dollar to me. And additionally, if I don’t have an appraiser, like you want your grandmother’s China Hutch appraised, I will get you in touch with the organization that I belong to, the American Society of Appraisers, and we’ll get you someone that specializes in that.
SPEAKER 14 :
Okay. to take care of that for you. Good to know. Well, number one, what you just said a moment ago is why you’re with us. So I appreciate that. And all of you listening, we don’t do business and don’t have partners that don’t do things that way. That’s true across the board. Anybody that you look at that’s one of our partners is exactly that same way. That’s why we partner up with folks like BP appraisal. So Burke, again, I appreciate you taking time out of your Saturday morning to join us. Those of you listening, even if you’re listening on Tuesday, doesn’t matter. 720-295-0108. Just give Burke a call. He’ll take great care of you. And by all means, yeah, let him know that you heard him here. And those of you that just texted, give Burke a call on your power wagon and have that appraisal done. And Burke, again, I appreciate all that you’re doing for us. And thank you so much for being a partner, sir.
SPEAKER 05 :
No, thank you so much, and we definitely will help anybody out. And like I said, if we don’t have the tools, we’ll find them for you.
SPEAKER 14 :
Awesome. Burke, I appreciate it. Have a great rest of your day, and hopefully your carport thing comes out okay.
SPEAKER 05 :
Yeah, we’re hoping. All right, thank you much. I appreciate it.
SPEAKER 14 :
All right, man, appreciate you very much. Have a great one. We’ll take a quick break. Fix-It Radio is our website. You can find BP appraisals there. Again, fixitradio.com. We’ll be right back. This is KLZ 560.
SPEAKER 10 :
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SPEAKER 17 :
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. All right, we are back.
SPEAKER 14 :
Fix It Radio, KLZ 560. Thanks for joining us today. Eva, how are you today?
SPEAKER 03 :
Good morning, John. Good morning. Still alive and happy.
SPEAKER 14 :
That’s good. Awesome.
SPEAKER 03 :
Yes. Sorry about the weather down there. Fort Collins is not that bad between Fort Collins and Wellington.
SPEAKER 14 :
It’s interesting you say that because even here in the metro area, there’s parts where there’s half inch, inch of snow on the pavement and there’s other places where it’s much more than that. So it’s really weird.
SPEAKER 03 :
Yeah, well, that’s Colorado. Yep, that’s right. Yes. Okay, I have hopefully a simple question. Sure. I came across some tools, metal things. They’re mostly metal. They are all metal. And it isn’t rust, but it’s some crud, you know, from being left out. in the weather, and what would you suggest that would be safe and efficient to clean those off?
SPEAKER 14 :
So you’re literally just trying to get rid of some of the surface rust and things along those lines?
SPEAKER 03 :
Exactly.
SPEAKER 14 :
Gotcha. Okay. Well, several things you can do. First thing, because it’s the easiest, just try some WD-40. See what that will do to penetrate some of that surface rust. Sometimes it’ll take it right off. If not, you can get a little bit stronger, you know, rust-off penetrating type oil. You could even, you know, soak that. They’ve even now got that type of oil, Eva, where you can buy it in a can where instead of just spraying it on, you could literally take a little pan and uh pour that you know pour that liquid in and let those tools sit in that for a while and it’ll take it off if it’s just surface rust typically it’ll come off you shouldn’t have to do much even in the way of scrubbing or doing along those lines but you know a little bit of steel wool even on top of that you could scrub that off and usually comes off pretty you know pretty easily that way
SPEAKER 03 :
All right. Well, I do have WD-40 already, but then to soak it, what brand name?
SPEAKER 14 :
You can get actually WD-40 in a can that you can soak it with, or there’s other penetrating oils, which is essentially what you’re looking for that would do that as well. Now, there are specific rust cleaning solutions and so on. They’re very caustic and so on. And I don’t recommend using those unless somebody absolutely has to. You’re doing some sort of a restoration job and things are really, really bad. But otherwise, what I’m recommending for you should work fine.
SPEAKER 03 :
Wonderful. Thank you so much.
SPEAKER 14 :
You’re very welcome, Eva. Thank you, by the way. Great phone call. And I appreciate you calling in and happy that you’re doing well. Joe, what’s going on, sir?
SPEAKER 06 :
John, before we get too far into this conversation, I want to let you know that my pronouns are been there and done that.
SPEAKER 14 :
I thought it was he won.
SPEAKER 06 :
No, been there and done that. Been there, done that. Okay, gotcha. Okay, gotcha. Hey, I know I talked about this about two years ago, but on the topic of insurance, if you don’t have a narrated video of everything in your house, if you ever do have a fire… you’re going to lose out on thousands, if not tens of thousands of dollars.
SPEAKER 14 :
Yeah, most insurance companies, because I’ve been through this before, require you to go in and do a stated value of the items that you lost. Some require receipts, some don’t. You need to read your policy to double-check, because that’s another one of those items, Joe, where… If they’re going to require receipts for the things that you have, then as you’re buying things, you better well be taking pictures and storing those in a file or even saving the receipts if you want. But pictures work fine as far as that goes. But yeah, to your point, it’s a daunting task.
SPEAKER 06 :
Right. And if you were to ask me right now, how many pairs of dress slacks? How many sports coats? How many leather belts do I have? John, I couldn’t possibly tell you. And that’s just my closet. When it comes to my wife’s closet.
SPEAKER 14 :
It’s even worse.
SPEAKER 06 :
It’s even worse. I mean, my wife, John, she must have somewhere between 50 and 100 pieces of clothes hanging on hangers.
SPEAKER 14 :
If it’s like my house, there’s more than one closet.
SPEAKER 06 :
Right, right. So, and you can’t, and my, my, John and I, I’ve got two different, I’ve got tools in my basement and I’ve got in my garage. And if you ask me to name all the tools that are hanging on the pegboard, I can’t.
SPEAKER 14 :
No, I can’t either. No, there’s no way.
SPEAKER 06 :
And my folks lost a house to a fire, oh, 30 years ago. And for years after the settlement, we’d be sitting around, and my wife would say, oh, damn, I forgot to put that on. This was not once, twice. This was regular basis. They would say, oh, I forgot to put that on. I used to have one, but I forgot to put on the claim. It also helps as you’re narrating things. Before you start your video, you want to write up a list. So when you show a TV, you want to have, in my case, I said, okay, it’s a 65-inch Sony, purchase new. And then I would state the year, purchase new in, you know, 2022 for, you know, $1,650. And I’ve got that all narrated. And that’s even without a receipt. It’s pretty credible. If you have a video record that predates the incident where you’re documenting at the time you took the video, You know, that’s pretty solid evidence even without the receipt, which will get burned up in the fire.
SPEAKER 15 :
Yep.
SPEAKER 06 :
So, and by the way, you can’t keep that video in the house. You’ve got to either put it in the cloud or put a copy on a memory stick and give it to a relative or a friend. You can’t keep it in your house because if the house goes up, you’ll lose it.
SPEAKER 14 :
And in today’s world with, you know, let’s face it, you’re carrying a video camera with you at all times. Very few people that, I guess unless you’ve got a flip phone or something, Joe, most people have what you’re talking about in their pocket.
SPEAKER 06 :
Right. And, you know, I use my iPad. You know, it was a little bit better, a little bit more memory because, you know, if you’ve got a three-story house, you know, two stories in the basement, you know, you may run your phone, you may run out of memory on your phone. But again, make a video, have a script before you start. And by the way, Your guns and your jewelry won’t be covered, so if you want to get guns and jewelry or paintings… Get your riders. You’ve got to get a rider on your policy. By the way, I got a rider on my guns, and it really was like… It’s not very much. Ten bucks per thousand, I think, John.
SPEAKER 14 :
That’s not much.
SPEAKER 06 :
So if you’ve got $6,000 worth of guns, it’s a $60 rider to insure $6,000 worth of guns.
SPEAKER 14 :
Yeah, absolutely. So it’s not much. Well worth having. For those of you, again, Joe, I cannot stress enough that the insurance companies are getting tougher and tougher when it comes to claims, especially, I’ll be straight up honest, Joe, whether it’s your own insurance company or somebody runs into you, It is getting tougher and tougher. I talked to several people this past week on different situations where they were the victim of somebody running into them, and they’re now arguing with the insurance company over a total loss and what things are worth. And the conversation we had with Burke a few minutes ago, spot on, Joe. It’s just getting harder and harder to get these insurance companies to come up with what they need, and you’ve got to fight for every penny.
SPEAKER 06 :
Right. By the way, on that topic, did you see the video? It was in New York about three weeks ago. some people in a car tried to create a… Oh, I did see that, yes.
SPEAKER 14 :
Basically, on the freeway, stopped, backed up, and they were trying to commit insurance fraud, by the way. Luckily, there was a dash cam that showed everything. Otherwise, it’s his word against their word.
SPEAKER 06 :
Well, at first, they tried to create… Apparently, what they typically would do is they would brake check in the middle of the road, and they would get hit. And when that failed, this particular driver had quick reflexes, and when the driver did stop and didn’t hit them after they brake checked, They threw the car in reverse and backed into the driver who had managed to stop in time.
SPEAKER 15 :
Yep.
SPEAKER 06 :
The cops, by the way, finally got him and charged him with a whole bunch of stop insurance fraud. But, yeah, there are people out there who will.
SPEAKER 14 :
They’ll do that even at a stoplight, Joe. So those of you that are watching, please be very careful of that because they’ll do those things even at a stoplight.
SPEAKER 06 :
Right. And they had a car full of people because they were all going to claim bodily injury.
SPEAKER 14 :
That’s right.
SPEAKER 06 :
Everyone was going to.
SPEAKER 14 :
Oh, I got a bad neck or a bad back or a bad whatever.
SPEAKER 06 :
Yeah, so you want to have a dash cam.
SPEAKER 14 :
Yeah, I mean, I hate to say it, Joe. I mean, I didn’t think we’d ever get to the point where you’d have to have a dash cam, but we’re just about there, if not there now.
SPEAKER 06 :
Unfortunately, you’re right. I just put one on my granddaughter’s car last month.
SPEAKER 14 :
Good idea.
SPEAKER 06 :
And they’re like $49,000.
SPEAKER 14 :
They’re not very much. It’s a very minimal investment, I guess, is the way to say that.
SPEAKER 06 :
Yep, it is. All right, John, all I got.
SPEAKER 14 :
Joe, appreciate you very much. Have a good one. We’ll take another break. Don’t go anywhere, guys. We’ll come right back. Lines are open 303-477-5600. Any questions for us, please let us know. Again, we’ll be right back. Fix It Radio, KLZ 560.
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SPEAKER 14 :
All right, we are back. Fix It Radio, KLZ 560. John and Cheyenne, what’s up, sir?
SPEAKER 08 :
Oh, I just rode out a three-hour power outage.
SPEAKER 14 :
Oh, wow. Sorry.
SPEAKER 08 :
It happened. You know, it was about 10 to 7, the power went out, and it came back on about 15 minutes ago. So two and a half, three hours. My goal was if it Wasn’t back on by 10. I was going to go out and fire up the generator and everything.
SPEAKER 14 :
There you go. Go get them.
SPEAKER 08 :
But the reason I’m calling is on Ready Radio as opposed to Fix-It Radio is for people who don’t want to invest their money in having an alternating switch for a generator, I’m going to recommend it again. It’s called GenerLink. Yep. You can look it up. It goes between the meter and the meter can on your house. and you plug one wire into the bottom, and you plug the other side into your generator, and it’ll feed the house on whatever circuits you need.
SPEAKER 14 :
Yeah, you basically would then, essentially the way I would do that and ask you, but essentially it’s a built-in transfer switch at the meter where if you go fire up your generator, you plug in. I would turn all breakers off first, of course, plug in, and then turn on what you want to run.
SPEAKER 08 :
Yeah, it’s JennerLink.com. Just the way it sounds. They’ve got a great video on YouTube on exactly how it works and how to use it. But that’s the thing. I tested that when I first got it, and I have a mark on the circuits that I want to turn back on. There you go. They recommend you don’t turn the main breaker off. You turn all the individuals off. Gotcha. And then you just bring back on what you want. So for me, it would be my well… The outlet that fires up my pellet stoves, my refrigerators, and maybe a few lights. Other than that.
SPEAKER 14 :
What do you need?
SPEAKER 08 :
Right out of the package.
SPEAKER 14 :
You’re good. Yeah.
SPEAKER 08 :
But I screwed up yesterday. I’m going to take this. I should have yesterday afternoon went and got some extra fuel, and I didn’t, figuring it wasn’t going to be that bad. Now, I know the generator’s full, and it’ll run 10 hours, which I would never run 10 consistent hours, you know. run it for two hours, let the refrigerators build the well pump up, shut it back, get enough heat in here, shut it back down, do it like that. But I’m looking for, and this is my other question, a really good battery backup for my pellet stove. So like this morning when the power went out, it loses the blower fan and it can’t smoke the house. What I do is I have a scoop. and a bucket, and I was able to scoop everything on fire into the bucket and take it outside so it wouldn’t smoke the house. You got any good recommendations for a good battery backup that would power that thing?
SPEAKER 14 :
It’s funny you say that. I’ve been researching some of this, and Amazon sells a brand called Jackery. Now, there’s all sorts of others, and there’s probably half a dozen or more of these on the market now, John, and they’ve all gotten much, much better as time has gone by. I mean, Anchor sells them. There’s the Jackery brand. There’s a… even though it’s not coolers, there’s a Yeti brand, and it’s not the Yeti coolers that are making it, but it’s a brand name. I think any of those, you know, look at the reviews, look at some of the top brands, and some of them, if you go to Woot, again, get a subscription to Woot, they were on sale this last week.
SPEAKER 08 :
Oh, okay. Well, my Wi-Fi is back up, so that’s the other thing people need to remember. I know we’ve talked about this on Friday, but not a lot. You’re going to lose your Wi-Fi, and if you don’t have cell service, you might want to have some other form of communication. Good point. It’s funny. When I lose my Wi-Fi, I’m talking to you via the Wi-Fi because it’s better service. I have to go to the second floor of my house to get a decent cell signal to make a phone call. Gotcha. Because I’m out in the middle of nowhere. So if you’re going to move rural and you don’t have great cell service, either look at – I have a – Cell booster for the house, but that doesn’t work when the power’s not on.
SPEAKER 14 :
No, it doesn’t. Now, really quick, too, on your pellet stove, something to think about, because these aren’t as expensive. And some of these you can pick up secondhand where they’re worn out and you’ve got to put a battery in it. The downside is you’d have to turn the alarm off in it, which you could do. But remember, a regular UPS battery backup where you find one that has gone bad, somebody’s getting ready to toss it, you go put a new battery in it, refurbish it, that would run something like your pellet stove for quite some time, and you just plug it in in line and leave it.
SPEAKER 08 :
Well, here’s what happened. I tried that with a new one, and I guess it wasn’t big enough.
SPEAKER 14 :
You’ve got to have a big one. You’ve got to get one of the 1,400-watt, like you’d run a server or something off of.
SPEAKER 08 :
Yeah, because when it tripped, the power went out, and the pellet stove started to fire back up. The igniter drew so much, it tripped the breaker.
SPEAKER 15 :
Yeah.
SPEAKER 08 :
One of the things I did do, though, is I called the manufacturer, and he said, listen, If you’re going to be out without power and you don’t want to power that igniter, just go in the back and unplug it and light it when you turn on the stove. That’s a good idea. The little motors and everything will not draw anywhere near the amps.
SPEAKER 14 :
That’s a great idea.
SPEAKER 08 :
Yeah. And when you look in the back, I’ve already replaced the igniter once on it since I bought it. It’s about a, oh, I don’t know, a 10-minute job and a half-wrench skill. You know what I mean?
SPEAKER 15 :
Yep.
SPEAKER 08 :
Not even a full, you know, it’s an easy change out. And the wires, you could just follow them right to the board and they have little, you know, just unplug them and you could disconnect it. So that was the manufacturer’s recommendation. But like this morning reminded me again, I want something where if the power goes out, I can put it in shutdown mode and it’ll go through the automatic shutdown mode. instead of having to scoop that out. I’ve got a metal bucket that sits by it just for emergencies, scooped it out, took it, put it outside. They burned out in about five minutes, kept an eye on it. And if I was worried about it, I could have taken a shovel of snow and dumped it in the bucket too, because we got about five, six inches of snow. So not enough It looks like, based on what I’m seeing, it’s not enough that I’m going to have to fire the plow up today.
SPEAKER 14 :
I think most of it, you know, a lot of this went way south. I mean, even the west side of town where I’m at, we didn’t get much.
SPEAKER 08 :
Yeah, and what’s the thing? An old rancher told me if you could see the grass on the pasture above the snow, it’s not that deep.
SPEAKER 14 :
That’s right. You got it.
SPEAKER 08 :
John, have a good one.
SPEAKER 14 :
Appreciate you, John. Have a good one as well. Mark, you’re next. Go ahead, sir.
SPEAKER 07 :
Good morning. Morning, Mark. Good morning. I’ve got a question. I paid my home insurance in full, got a letter from the insurance company stating that they want to change my policy for the roof replacement because the age of the roof. Well, the roof is nine years old, granted. Nothing wrong with it. But how do they just arbitrarily make up these rules?
SPEAKER 14 :
Because they can, and they do.
SPEAKER 07 :
Well, that’s crap. I mean, you pay the full premium. They didn’t even look.
SPEAKER 14 :
You there, Mark? Did I lose you?
SPEAKER 07 :
No.
SPEAKER 14 :
No, you’re back. You paid the premium, then you broke up. I didn’t hear anything after that.
SPEAKER 07 :
No, I just said they didn’t even look at the roof. They just arbitrarily made a decision because it’s nine years old. that they’re going to change how much they pay for a new roof.
SPEAKER 14 :
Well, and this is a great question, by the way. This is one of those where I talk about him a lot during the week, but this is one of those. Call Dave Hart from RoofMax. He’s our certified roofer and good friend of mine, and we talk all the time. He’s with the Roof Savers of Colorado. And his RoofMax product, call him, find out exactly what – He could do for you. He’s got the ability at times, Mark, to even call insurance companies, intervene, and get some of that changed. So I would call him before you do anything.
SPEAKER 07 :
Well, I’m going to call my agent first and ask how they all of a sudden arbitrarily come up with this rule.
SPEAKER 14 :
Good. That’s fine. Again, depending upon what their answer back is, call Dave because he can help you with some of that as well. We just had one of these we went through where he and I were chatting about this, and he got involved in that, and it changed, and it was all said and done.
SPEAKER 07 :
That’s fine. I just kind of got a laugh. I said, yeah, they want their money on time.
SPEAKER 14 :
Absolutely. Yeah, you know how that works. They want their money, and like we were talking throughout the program today, they will do whatever they can to get out of paying claims and or reduce them.
SPEAKER 07 :
Yeah. Well, I guess Dave will be my next option. Now, I do want to talk to my insurance agent because I think he’s probably in the middle of this, not his fault. No. But this came from a parent company. And I kind of said to myself, okay, I looked up the roof age. It is nine years old. But then all of a sudden, you just come up with this, and I’ve never seen a letter like this before.
SPEAKER 14 :
Yep. I don’t think it’s a bad idea to call your agent. To your point, and I appreciate what you said, he or she, depending upon who you all have out there, they’re in the middle of this. They’re not making the decision the company above them is.
SPEAKER 07 :
Yeah, I got you.
SPEAKER 14 :
Absolutely. You betcha, Mark. No, appreciate it. And, yeah, for those of you listening, when it comes to the roof end of things, Dave can help you in a lot of ways along those lines with not only his product but just knowing that business very well. Bob, go ahead.
SPEAKER 04 :
Hey, John, and I know a lot of people down in Florida are doing the same thing that I do. I haven’t had homeowner’s insurance since 1988 because I don’t have a mortgage. But I cover, the only thing that I worry about, I’ll pay for my own repairs on a house. You know, I’ve never really ever had a claim, and I don’t know, ever, for that. But you can cover that liability with a big umbrella policy, and it’s very reasonable.
SPEAKER 14 :
Well, they cover the roof.
SPEAKER 04 :
If somebody flips and falls or something like that, that’s kind of liability.
SPEAKER 14 :
Yeah, but they won’t do physical. It’s more of a liability end of things, right, Bob?
SPEAKER 04 :
Yeah, I mean, because home repairs, I’ve never put in a claim for nuisance repairs. I’ve paid for my own roofs when they need them and so on and so forth. And over a long period, like I said, 1988 was the last homeowners policy I’ve had, and I’ve saved a bunch. Now, you go down to Florida or some places in Texas, and the insurance is outrageous. Those old folks down there that go down, they don’t have a mortgage. they’re dropping their insurance like crazy.
SPEAKER 14 :
I was having this conversation with somebody the other day, Bob, and depending upon the price of the home and what your risk factors are and so on, I would do exactly what you’re talking about. If I was going down to Florida and retire and you’re paying $200,000, $250,000 for a home, something along those lines, and you’re paying cash because of the equity that you’ve got here coming out of Colorado, I think I’d get liability only and take my chances.
SPEAKER 04 :
But a lot of liability because the legal fees, I’d say slip and fall or, you know, I mean, it’s always, you know, slip and fall. But if you have some kind of liability that they’re going to take it, it’s expensive. But other than that, for repairs and roofs and stuff, just pay for it.
SPEAKER 14 :
I can’t, you know, I even here, I don’t do it quite your way, but I have very, very high deductibles saving money on the premiums because you’re self-insuring all the little stuff.
SPEAKER 04 :
Oh, yeah, my four cars. I don’t even carry collision and comp. My cars are between year 22 and 24. I don’t even carry collision and comp on them. I do carry uninsured, underinsured, dirt cheap, and it’s $200 deductible. Dirt cheap.
SPEAKER 14 :
There you go, because if somebody else runs into you, then you’re at least covered that way. Yeah, good idea. No, that’s great. Great advice, Bob. No, appreciate that. Kind of turned into an insurance show today, which is fine. Very, very important. All of you are spending money on insurance. In fact, most are spending too much on insurance because you don’t sit down and really, you know, look at your policy itself and where can you cut back, where can you save money. To Bob’s point, there’s some things where you may not even need insurance. You know, the full coverage that you’ve been carrying on your policy. And I get it. Everybody’s different. Everybody’s financial situation is different. Some people need as much insurance as they can get with very little deductible just because the cash flow sides of things on the same token. A lot of you listening could cut back on the amount of insurance that you have. Raise your deductibles. Save money on the policy, put that savings into a savings account, whereby if you do have anything that comes up, you’ve now got the money to pay for it. But depending upon what comes up, you may find yourself after several years or even a decade being way ahead. and doing it that way. And again, these are things where, you know, Paul Leuenberger especially, he can help you, you know, broker those things out and determine exactly what’s best for you on the insurance sides of things. And again, he’s a great sponsor of ours. You can find him at fixitradio.com or any of my other websites as well. That’s it, guys, for Fix It Radio. If you’re listening to a replay, thank you so much. Our text line, which you can text anytime, 307-282-22KLZ560.
SPEAKER 12 :
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.
