Latest / Around the House with Eric G®: Home Improvement Remodeling & DIY / Don't Let Your Insurance Company Shortchange You: Essential Tips Inside!

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Don't Let Your Insurance Company Shortchange You: Essential Tips Inside! · Around the House with Eric G®: Home Improvement Remodeling & DIY

• 0:39
  Foreign.
• 0:45
  The
• 0:46
  house
• 0:46
  brought
• 0:46
  to
• 0:47
  you
• 0:47
  by
• 0:47
  our
• 0:47
  friends@montymcgrills.com
• 0:49
  to
• 0:49
  check
• 0:49
  out
• 0:49
  the
• 0:50
  best
• 0:50
  barbecue
• 0:50
  for
• 0:51
  under
• 0:51
  900
• 0:51
  bucks.
• 0:52
  Check
• 0:52
  them
• 0:52
  out
• 0:52
  at
• 0:53
  montymcgrills.com
• 0:54
  well,
• 0:55
  this
• 0:55
  week
• 0:55
  I
• 0:56
  wanted
• 0:56
  to
• 0:56
  give
• 0:57
  out
• 0:57
  some
• 0:57
  great
• 0:57
  information
• 0:58
  to
• 0:58
  all
• 0:59
  of
• 0:59
  our
• 0:59
  homeowners
• 0:59
  and
• 1:00
  renters
• 1:00
  in
• 1:00
  the
• 1:00
  United
• 1:01
  States.
• 1:01
  We've
• 1:02
  had
• 1:02
  wildfires,
• 1:03
  we've
• 1:03
  had
• 1:04
  hurricanes,
• 1:04
  we've
• 1:05
  had
• 1:05
  floods,
• 1:06
  all
• 1:06
  the
• 1:06
  stuff
• 1:06
  happening
• 1:07
  in
• 1:07
  the
• 1:07
  Carolinas,
• 1:08
  east
• 1:08
  Tennessee
• 1:09
  in
• 1:09
  the
• 1:10
  south.
• 1:11
  And
• 1:11
  we
• 1:11
  have
• 1:11
  tons
• 1:12
  of
• 1:12
  damage
• 1:12
  for
• 1:12
  many
• 1:13
  homeowners
• 1:13
  across
• 1:13
  the
• 1:14
  U.S.
• 1:14
  so
• 1:15
  today
• 1:15
  we're
• 1:15
  going
• 1:15
  to
• 1:15
  be
• 1:16
  talking
• 1:16
  with
• 1:16
  Galen
• 1:17
  Ayre
• 1:17
  from
• 1:17
  Insurance
• 1:18
  hq.
• 1:19
  This
• 1:19
  played
• 1:19
  last
• 1:20
  year
• 1:20
  but
• 1:21
  all
• 1:21
  the
• 1:21
  information
• 1:22
  is
• 1:22
  so
• 1:23
  relevant
• 1:23
  for
• 1:23
  the
• 1:24
  topics
• 1:24
  today.
• 1:25
  When
• 1:25
  it
• 1:26
  comes
• 1:26
  to
• 1:26
  remodeling
• 1:26
  and
• 1:27
  renovating.
• 1:27
  Your
• 1:27
  home,
• 1:28
  there
• 1:28
  is
• 1:28
  a
• 1:29
  lot
• 1:29
  to
• 1:29
  know
• 1:30
  but
• 1:30
  we've
• 1:30
  got
• 1:30
  you
• 1:31
  covered.
• 1:32
  This
• 1:33
  is
• 1:33
  around
• 1:34
  the
• 1:34
  House.
• 1:35
  Welcome
• 1:35
  to
• 1:36
  the
• 1:36
  around
• 1:36
  the
• 1:36
  House
• 1:36
  show.
• 1:37
  This
• 1:37
  is
• 1:37
  where
• 1:38
  we
• 1:38
  help
• 1:38
  you
• 1:39
  with
• 1:40
  your
• 1:40
  home
• 1:40
  through
• 1:40
  information
• 1:41
  and
• 1:42
  education.
• 1:43
  Location
• 1:44
  We've
• 1:44
  got
• 1:44
  a
• 1:44
  great
• 1:45
  guest
• 1:45
  in
• 1:45
  the
• 1:45
  studio
• 1:45
  here
• 1:46
  that
• 1:46
  I'm
• 1:46
  looking
• 1:46
  forward
• 1:47
  to.
• 1:48
  Galen
• 1:48
  Ayer
• 1:49
  from
• 1:50
  insurance
• 1:50
  claim
• 1:51
  headquarters.com
• 1:52
  insurance
• 1:53
  claim
• 1:54
  hq.com
• 1:55
  thanks
• 1:56
  for
• 1:56
  coming
• 1:56
  on
• 1:56
  today
• 1:56
  man.
• 1:57
  Yeah,
• 1:57
  no,
• 1:57
  thanks
• 1:57
  for
• 1:57
  having
• 1:58
  me,
• 1:58
  man.
• 1:59
  It's
• 2:00
  gonna
• 2:00
  be
• 2:00
  a
• 2:00
  lot
• 2:00
  of
• 2:00
  fun.
• 2:01
  You
• 2:02
  help
• 2:03
  a
• 2:03
  lot
• 2:03
  of
• 2:04
  people
• 2:04
  these
• 2:04
  days,
• 2:04
  especially
• 2:05
  with
• 2:06
  all
• 2:06
  the
• 2:07
  craziness
• 2:07
  that
• 2:08
  we
• 2:08
  see
• 2:08
  with
• 2:08
  hurricanes
• 2:09
  and
• 2:09
  everything
• 2:09
  else.
• 2:10
  Homeowners
• 2:11
  just
• 2:11
  don't
• 2:12
  know
• 2:12
  how
• 2:12
  to
• 2:12
  navigate,
• 2:12
  it
• 2:13
  seems.
• 2:13
  Insurance
• 2:14
  CLAIMS
• 2:14
  yeah,
• 2:15
  I
• 2:15
  mean
• 2:15
  I
• 2:15
  don't.
• 2:15
  Think,
• 2:16
  you
• 2:16
  know,
• 2:16
  we
• 2:17
  educate
• 2:17
  homeowners
• 2:17
  on
• 2:17
  anything
• 2:18
  anymore
• 2:19
  but
• 2:19
  at
• 2:19
  least
• 2:20
  like
• 2:20
  you're
• 2:20
  like
• 2:20
  a
• 2:20
  first
• 2:20
  time
• 2:21
  home
• 2:21
  buyer.
• 2:21
  The
• 2:21
  bank
• 2:22
  might
• 2:22
  give
• 2:22
  you
• 2:22
  like
• 2:22
  a
• 2:23
  flyer
• 2:23
  like
• 2:23
  here's
• 2:24
  some
• 2:24
  things
• 2:24
  you
• 2:24
  need
• 2:24
  to
• 2:24
  know
• 2:24
  about
• 2:25
  getting
• 2:25
  financing
• 2:26
  or
• 2:26
  here's
• 2:27
  what
• 2:27
  you,
• 2:27
  you
• 2:27
  know,
• 2:27
  or
• 2:28
  you
• 2:28
  got
• 2:28
  a
• 2:28
  real
• 2:28
  estate
• 2:29
  agent
• 2:29
  walking
• 2:29
  you
• 2:30
  through
• 2:30
  like,
• 2:30
  you
• 2:30
  know,
• 2:31
  so
• 2:31
  we're
• 2:31
  going
• 2:31
  to
• 2:31
  do
• 2:31
  inspections
• 2:32
  and
• 2:32
  here's
• 2:32
  what
• 2:32
  they're
• 2:33
  going
• 2:33
  to
• 2:33
  look
• 2:33
  for.
• 2:33
  But
• 2:34
  unfortunately
• 2:36
  like
• 2:37
  there's
• 2:37
  just
• 2:37
  no
• 2:37
  one
• 2:38
  set
• 2:38
  up.
• 2:38
  There's
• 2:39
  just
• 2:39
  no
• 2:39
  system
• 2:39
  set
• 2:40
  up
• 2:40
  for
• 2:40
  new
• 2:41
  or
• 2:41
  even
• 2:41
  old
• 2:41
  homeowners
• 2:42
  to
• 2:43
  kind
• 2:43
  of
• 2:43
  know
• 2:43
  what
• 2:43
  to
• 2:43
  do
• 2:44
  when
• 2:44
  they
• 2:44
  have
• 2:44
  something
• 2:44
  happen
• 2:45
  to
• 2:45
  their
• 2:45
  house.
• 2:45
  And
• 2:46
  you
• 2:46
  know,
• 2:46
  it's
• 2:47
  just
• 2:47
  a
• 2:47
  nightmare.
• 2:47
  It's
• 2:48
  a,
• 2:48
  it's
• 2:48
  obviously
• 2:49
  like
• 2:49
  a
• 2:49
  hole
• 2:49
  in
• 2:49
  our
• 2:49
  system.
• 2:50
  So
• 2:51
  we're
• 2:51
  really
• 2:51
  lucky
• 2:52
  that
• 2:52
  aside
• 2:52
  from
• 2:52
  helping
• 2:52
  people,
• 2:53
  we
• 2:53
  also
• 2:53
  do
• 2:53
  a
• 2:53
  ton
• 2:54
  of
• 2:54
  education.
• 2:56
  Amen,
• 2:57
  man.
• 2:57
  It's
• 2:58
  crazy.
• 2:58
  It,
• 3:00
  I
• 3:00
  get
• 3:01
  so
• 3:01
  many
• 3:01
  questions
• 3:02
  in
• 3:02
  the
• 3:02
  show
• 3:02
  from
• 3:03
  time
• 3:03
  to
• 3:03
  time
• 3:03
  for
• 3:03
  people
• 3:03
  that
• 3:03
  are
• 3:04
  just,
• 3:05
  I
• 3:05
  had
• 3:05
  this
• 3:05
  disaster
• 3:06
  and
• 3:06
  of
• 3:06
  course
• 3:07
  the
• 3:07
  insurance
• 3:07
  company
• 3:08
  is
• 3:08
  always
• 3:09
  generally
• 3:10
  motivated
• 3:10
  to
• 3:11
  reduce
• 3:11
  that
• 3:12
  claim
• 3:12
  as
• 3:12
  much
• 3:13
  as
• 3:13
  they
• 3:13
  can.
• 3:13
  And
• 3:14
  the
• 3:14
  homeowner
• 3:14
  is
• 3:15
  trying
• 3:15
  to
• 3:15
  figure
• 3:15
  out
• 3:15
  how
• 3:15
  to
• 3:15
  navigate
• 3:16
  that.
• 3:16
  Yeah.
• 3:17
  So
• 3:17
  it's
• 3:18
  kind
• 3:18
  of
• 3:18
  interesting
• 3:18
  the
• 3:19
  way
• 3:19
  it
• 3:19
  works,
• 3:19
  right?
• 3:19
  If
• 3:20
  you
• 3:20
  get
• 3:20
  in
• 3:20
  a
• 3:20
  car
• 3:20
  accident
• 3:22
  because
• 3:22
  it's
• 3:22
  the
• 3:22
  other
• 3:23
  person's
• 3:23
  insurance
• 3:24
  company,
• 3:24
  usually,
• 3:25
  I
• 3:25
  think,
• 3:25
  you
• 3:25
  know,
• 3:26
  or
• 3:26
  like
• 3:26
  you
• 3:27
  at
• 3:27
  least
• 3:27
  have
• 3:27
  this
• 3:27
  like
• 3:27
  deep
• 3:28
  intuitive
• 3:28
  sense,
• 3:29
  to
• 3:29
  use
• 3:29
  a
• 3:29
  muscism,
• 3:30
  that
• 3:31
  at
• 3:31
  the
• 3:32
  end
• 3:32
  of
• 3:32
  the
• 3:32
  day
• 3:33
  that
• 3:33
  insurance
• 3:34
  company
• 3:34
  is
• 3:34
  not
• 3:34
  really
• 3:34
  interested
• 3:35
  in
• 3:35
  treating
• 3:35
  you
• 3:36
  well,
• 3:36
  right.
• 3:36
  They're,
• 3:37
  they're
• 3:37
  looking
• 3:37
  out
• 3:37
  for
• 3:37
  the
• 3:37
  other
• 3:38
  person.
• 3:38
  They
• 3:38
  don't
• 3:38
  care.
• 3:39
  But
• 3:40
  that's
• 3:40
  not
• 3:40
  really
• 3:40
  the
• 3:40
  case
• 3:40
  for
• 3:41
  homeowners
• 3:41
  insurance
• 3:42
  because
• 3:42
  we
• 3:42
  pay
• 3:42
  them,
• 3:43
  sometimes
• 3:44
  we
• 3:44
  pay
• 3:44
  them
• 3:44
  for
• 3:45
  decades,
• 3:45
  right.
• 3:45
  I'll
• 3:45
  get
• 3:46
  clients
• 3:46
  who
• 3:46
  will
• 3:46
  be
• 3:46
  like,
• 3:46
  I've
• 3:46
  been
• 3:47
  a
• 3:47
  customer,
• 3:47
  insert
• 3:48
  name
• 3:48
  here
• 3:48
  for
• 3:49
  like
• 3:49
  40
• 3:49
  years.
• 3:50
  So
• 3:51
  you
• 3:51
  pay
• 3:51
  them,
• 3:52
  you
• 3:52
  have
• 3:52
  a
• 3:52
  good
• 3:52
  relationship
• 3:53
  with
• 3:53
  maybe
• 3:53
  your
• 3:54
  insurance
• 3:54
  agent.
• 3:54
  You
• 3:55
  like
• 3:55
  them
• 3:55
  in
• 3:55
  small
• 3:56
  towns,
• 3:56
  you
• 3:56
  might
• 3:56
  see
• 3:56
  them
• 3:56
  at
• 3:56
  the
• 3:57
  grocery
• 3:57
  store,
• 3:57
  right?
• 3:58
  They're
• 3:58
  always
• 3:58
  nice
• 3:59
  guys.
• 3:59
  So
• 3:59
  you
• 4:00
  kind
• 4:00
  of
• 4:00
  have
• 4:00
  like
• 4:01
  the
• 4:01
  exact
• 4:01
  opposite.
• 4:02
  You
• 4:02
  have
• 4:02
  this
• 4:02
  deep
• 4:02
  intuitive
• 4:03
  sense
• 4:04
  that
• 4:04
  you're
• 4:04
  going
• 4:04
  to
• 4:04
  call
• 4:05
  your
• 4:05
  carrier,
• 4:06
  they're
• 4:06
  going
• 4:06
  to
• 4:06
  send
• 4:07
  someone
• 4:07
  out
• 4:08
  and
• 4:08
  they're
• 4:08
  going
• 4:08
  to
• 4:08
  treat
• 4:08
  you
• 4:09
  fairly.
• 4:09
  And
• 4:09
  what's
• 4:10
  the
• 4:10
  problem
• 4:10
  with
• 4:11
  that
• 4:11
  is
• 4:11
  like
• 4:11
  twofold.
• 4:12
  Number
• 4:12
  one,
• 4:13
  insurance
• 4:14
  claims
• 4:14
  are
• 4:14
  a
• 4:14
  zero
• 4:14
  sum
• 4:15
  game.
• 4:15
  Like
• 4:15
  if
• 4:15
  they
• 4:15
  don't
• 4:16
  have
• 4:16
  a
• 4:16
  dollar,
• 4:18
  then
• 4:18
  you,
• 4:19
  you
• 4:19
  have
• 4:19
  a
• 4:19
  dollar.
• 4:20
  If
• 4:20
  you
• 4:20
  don't
• 4:20
  have
• 4:20
  a
• 4:20
  dollar,
• 4:21
  they
• 4:21
  have
• 4:21
  a
• 4:21
  dollar,
• 4:21
  right?
• 4:21
  So
• 4:22
  like
• 4:22
  someone
• 4:23
  is
• 4:23
  losing
• 4:24
  in
• 4:24
  every
• 4:24
  situation,
• 4:25
  right?
• 4:25
  And
• 4:26
  they're
• 4:26
  of
• 4:26
  course
• 4:26
  in
• 4:26
  it
• 4:26
  to
• 4:27
  get
• 4:27
  profits,
• 4:27
  so
• 4:27
  they
• 4:27
  want
• 4:28
  you
• 4:28
  to
• 4:28
  lose.
• 4:28
  But
• 4:29
  the
• 4:29
  other
• 4:29
  issue
• 4:30
  is
• 4:30
  like,
• 4:30
  insurance
• 4:31
  is
• 4:31
  one
• 4:31
  of
• 4:31
  the
• 4:31
  only
• 4:32
  industries
• 4:32
  in
• 4:33
  the
• 4:33
  world,
• 4:34
  in
• 4:34
  the
• 4:34
  world
• 4:35
  where
• 4:35
  the
• 4:35
  system
• 4:36
  is,
• 4:37
  you
• 4:38
  tell
• 4:38
  me
• 4:38
  how
• 4:39
  much
• 4:39
  you
• 4:39
  owe
• 4:40
  me
• 4:41
  and
• 4:41
  I'm
• 4:42
  under
• 4:42
  the
• 4:42
  impression,
• 4:43
  under
• 4:43
  the
• 4:43
  impression
• 4:44
  that
• 4:44
  I
• 4:44
  have
• 4:44
  no
• 4:44
  right
• 4:44
  to
• 4:44
  question
• 4:45
  that,
• 4:47
  right.
• 4:48
  You
• 4:48
  know,
• 4:49
  it's
• 4:49
  crazy,
• 4:50
  right?
• 4:50
  Like
• 4:50
  if
• 4:50
  you
• 4:50
  and
• 4:50
  I
• 4:50
  make
• 4:51
  a
• 4:51
  business
• 4:51
  deal
• 4:51
  and
• 4:52
  you're
• 4:52
  going
• 4:52
  to
• 4:52
  pay
• 4:52
  me
• 4:53
  some
• 4:53
  portion
• 4:53
  of
• 4:53
  like
• 4:54
  your
• 4:54
  profits
• 4:54
  from
• 4:54
  your
• 4:55
  business
• 4:55
  or
• 4:55
  something,
• 4:55
  right?
• 4:56
  I'm
• 4:56
  going
• 4:56
  to
• 4:57
  ask
• 4:57
  you
• 4:57
  to
• 4:57
  like,
• 4:57
  show
• 4:58
  me
• 4:58
  the
• 4:58
  books,
• 4:58
  let
• 4:58
  me
• 4:58
  look
• 4:59
  at
• 4:59
  it,
• 4:59
  let
• 4:59
  me
• 4:59
  figure
• 5:00
  out
• 5:00
  what
• 5:00
  you
• 5:00
  owe
• 5:00
  me,
• 5:01
  right?
• 5:02
  I
• 5:02
  mean,
• 5:02
  geez,
• 5:03
  you're
• 5:03
  doing
• 5:03
  a
• 5:03
  new
• 5:03
  driveway
• 5:04
  for
• 5:04
  me
• 5:04
  and
• 5:04
  you
• 5:05
  mess
• 5:05
  it
• 5:05
  up,
• 5:05
  I'm
• 5:05
  going
• 5:05
  to
• 5:06
  get
• 5:06
  another
• 5:06
  contractor
• 5:07
  to
• 5:07
  give
• 5:07
  me
• 5:07
  a
• 5:07
  quote
• 5:07
  to
• 5:07
  fix
• 5:08
  it,
• 5:08
  right?
• 5:08
  But
• 5:08
  in
• 5:09
  insurance,
• 5:09
  they
• 5:09
  come
• 5:09
  out
• 5:10
  and
• 5:10
  say,
• 5:10
  okay,
• 5:11
  we
• 5:11
  looked
• 5:11
  at
• 5:11
  it
• 5:11
  and
• 5:12
  here's
• 5:12
  what
• 5:12
  we
• 5:12
  owe
• 5:13
  you.
• 5:15
  Oh
• 5:15
  yeah,
• 5:16
  great
• 5:17
  example.
• 5:18
  My
• 5:18
  little
• 5:18
  brother
• 5:19
  had,
• 5:19
  and
• 5:19
  this
• 5:19
  was
• 5:19
  a
• 5:19
  little
• 5:20
  bit
• 5:20
  more
• 5:20
  on
• 5:20
  the
• 5:21
  homeowners
• 5:22
  dealing
• 5:22
  with
• 5:22
  a
• 5:22
  contractor
• 5:23
  side.
• 5:23
  So
• 5:23
  it's
• 5:24
  not
• 5:24
  really
• 5:24
  homeowners,
• 5:25
  but
• 5:25
  he
• 5:26
  had
• 5:26
  a
• 5:26
  guy
• 5:26
  come
• 5:26
  out
• 5:26
  and
• 5:27
  paint
• 5:27
  some
• 5:27
  trim
• 5:27
  on
• 5:27
  his
• 5:27
  house.
• 5:28
  And
• 5:28
  he
• 5:29
  decided
• 5:29
  to
• 5:30
  get
• 5:30
  up
• 5:31
  there,
• 5:31
  license
• 5:31
  bond
• 5:31
  insured,
• 5:32
  and
• 5:33
  the
• 5:34
  guy
• 5:34
  got
• 5:35
  paint
• 5:35
  all
• 5:35
  over
• 5:36
  his
• 5:36
  beautiful
• 5:36
  new
• 5:37
  roof.
• 5:38
  And
• 5:38
  then
• 5:38
  when
• 5:38
  my
• 5:39
  brother
• 5:39
  got
• 5:39
  home,
• 5:39
  the
• 5:39
  contractor
• 5:40
  was
• 5:40
  sitting
• 5:40
  there
• 5:41
  grinding
• 5:41
  off
• 5:42
  his
• 5:42
  three
• 5:42
  tab
• 5:43
  shingles,
• 5:43
  all
• 5:43
  of
• 5:43
  the
• 5:44
  paint.
• 5:45
  And
• 5:45
  this
• 5:46
  is
• 5:46
  a
• 5:46
  green
• 5:46
  historical
• 5:47
  roof,
• 5:47
  you
• 5:48
  know,
• 5:48
  so
• 5:48
  it's
• 5:48
  nice.
• 5:50
  He
• 5:50
  had
• 5:50
  to
• 5:50
  battle
• 5:50
  that
• 5:51
  insurance
• 5:51
  company
• 5:51
  on
• 5:52
  a
• 5:52
  different
• 5:52
  way,
• 5:52
  but
• 5:52
  it's
• 5:53
  still
• 5:53
  insurance.
• 5:54
  But
• 5:54
  they
• 5:54
  had
• 5:55
  to
• 5:55
  put
• 5:55
  a
• 5:55
  whole
• 5:55
  new
• 5:55
  roof
• 5:55
  on
• 5:55
  his
• 5:56
  house
• 5:56
  over
• 5:56
  this
• 5:57
  guy
• 5:58
  not
• 5:58
  putting
• 5:59
  tarps
• 5:59
  out.
• 6:00
  But
• 6:00
  it's
• 6:00
  the
• 6:01
  same
• 6:01
  battle
• 6:01
  that
• 6:02
  you
• 6:02
  have
• 6:02
  to
• 6:02
  deal
• 6:02
  with.
• 6:03
  Yeah.
• 6:03
  And
• 6:03
  that's
• 6:04
  the
• 6:04
  biggest
• 6:04
  thing
• 6:04
  is,
• 6:04
  like,
• 6:04
  you
• 6:05
  have
• 6:05
  to
• 6:05
  be
• 6:05
  aware,
• 6:06
  like,
• 6:06
  you
• 6:06
  have
• 6:06
  to
• 6:06
  be
• 6:06
  really
• 6:07
  aware
• 6:08
  that
• 6:08
  no
• 6:09
  matter
• 6:09
  what
• 6:09
  they
• 6:09
  tell
• 6:09
  you,
• 6:10
  it's
• 6:10
  really
• 6:10
  your
• 6:10
  job
• 6:11
  to
• 6:11
  figure
• 6:11
  out
• 6:11
  what
• 6:11
  you're
• 6:12
  owed.
• 6:12
  And
• 6:13
  if
• 6:13
  you've
• 6:14
  got
• 6:14
  to,
• 6:14
  you've
• 6:14
  got
• 6:14
  to
• 6:14
  get
• 6:15
  someone
• 6:15
  to
• 6:15
  help
• 6:15
  you
• 6:15
  with
• 6:15
  that.
• 6:16
  Unless
• 6:16
  you
• 6:16
  really
• 6:16
  do
• 6:17
  know
• 6:17
  these
• 6:17
  things,
• 6:17
  and
• 6:18
  most
• 6:18
  homeowners
• 6:19
  don't.
• 6:19
  I
• 6:19
  mean,
• 6:20
  how
• 6:20
  can
• 6:21
  you,
• 6:21
  like,
• 6:21
  even
• 6:21
  if
• 6:21
  you
• 6:22
  know
• 6:22
  how
• 6:22
  much
• 6:22
  two
• 6:22
  by
• 6:22
  fours
• 6:23
  cost
• 6:23
  at
• 6:23
  Lowe's
• 6:24
  or,
• 6:24
  you
• 6:25
  know,
• 6:25
  what
• 6:25
  the
• 6:25
  average
• 6:25
  price
• 6:26
  of
• 6:26
  a
• 6:26
  roof
• 6:26
  is
• 6:26
  today,
• 6:27
  you
• 6:27
  also
• 6:27
  don't
• 6:27
  know
• 6:27
  how
• 6:28
  to
• 6:28
  figure
• 6:28
  out
• 6:28
  what
• 6:29
  was
• 6:29
  harmed.
• 6:29
  You
• 6:30
  know,
• 6:30
  you
• 6:30
  get
• 6:30
  hail
• 6:31
  come
• 6:31
  through.
• 6:31
  That's
• 6:32
  cool.
• 6:32
  Like,
• 6:33
  you
• 6:33
  can
• 6:33
  probably
• 6:33
  guess
• 6:33
  you
• 6:34
  need
• 6:34
  some
• 6:34
  shingles.
• 6:34
  But
• 6:35
  what
• 6:35
  about
• 6:35
  the
• 6:36
  sheathing
• 6:36
  underneath?
• 6:37
  You
• 6:37
  know,
• 6:38
  has
• 6:38
  water
• 6:38
  been
• 6:38
  getting
• 6:38
  in
• 6:39
  that
• 6:39
  roof
• 6:39
  for
• 6:39
  a
• 6:39
  while?
• 6:39
  Do
• 6:40
  we
• 6:40
  have
• 6:40
  any
• 6:40
  rotting
• 6:41
  in
• 6:41
  the
• 6:41
  attic?
• 6:42
  Is
• 6:42
  it
• 6:42
  a
• 6:42
  tornado
• 6:43
  or
• 6:43
  the
• 6:43
  joist
• 6:43
  Twisted
• 6:44
  like.
• 6:44
  So
• 6:44
  there's
• 6:45
  so
• 6:45
  many
• 6:45
  levels,
• 6:45
  like,
• 6:46
  of
• 6:46
  what
• 6:46
  you
• 6:46
  have
• 6:46
  to
• 6:46
  figure
• 6:47
  out,
• 6:47
  because
• 6:47
  it's
• 6:47
  not
• 6:47
  just
• 6:47
  a
• 6:48
  dollar
• 6:48
  figure.
• 6:48
  You
• 6:48
  have
• 6:49
  to
• 6:49
  figure
• 6:49
  out
• 6:49
  what
• 6:49
  you
• 6:49
  need
• 6:49
  to
• 6:49
  do
• 6:50
  to
• 6:50
  fix
• 6:50
  your
• 6:50
  house.
• 6:52
  And
• 6:53
  then
• 6:53
  it's
• 6:53
  worse
• 6:53
  if
• 6:54
  you
• 6:54
  have
• 6:54
  an
• 6:54
  older
• 6:54
  house
• 6:55
  because,
• 6:55
  oh,
• 6:55
  wait
• 6:55
  a
• 6:55
  minute,
• 6:56
  I
• 6:56
  have
• 6:56
  damaged
• 6:57
  asbestos
• 6:57
  siding.
• 6:58
  Yeah,
• 6:59
  there's
• 7:00
  so
• 7:00
  much
• 7:00
  of
• 7:00
  that
• 7:00
  right
• 7:00
  now,
• 7:01
  Especially
• 7:01
  because
• 7:01
  the
• 7:01
  hurricanes
• 7:02
  have
• 7:02
  been
• 7:02
  hitting
• 7:02
  these,
• 7:03
  like,
• 7:03
  older,
• 7:04
  kind
• 7:04
  of
• 7:04
  more
• 7:04
  southern
• 7:04
  regions
• 7:05
  lately
• 7:05
  where
• 7:06
  there's
• 7:06
  just
• 7:07
  a
• 7:07
  lot
• 7:07
  of
• 7:07
  houses
• 7:07
  that
• 7:07
  haven't
• 7:08
  really
• 7:08
  been
• 7:08
  touched
• 7:08
  in
• 7:09
  a
• 7:09
  couple
• 7:09
  of
• 7:09
  decades
• 7:10
  in
• 7:10
  terms
• 7:10
  of,
• 7:10
  like,
• 7:11
  natural
• 7:11
  disaster.
• 7:11
  So
• 7:12
  it's
• 7:12
  like
• 7:12
  asbestos.
• 7:13
  Every
• 7:14
  day
• 7:14
  it's
• 7:14
  like,
• 7:14
  I
• 7:14
  hear
• 7:14
  about
• 7:14
  a
• 7:14
  new
• 7:15
  asbestos
• 7:15
  roof
• 7:15
  that
• 7:15
  we're
• 7:16
  dealing
• 7:16
  with.
• 7:16
  And,
• 7:17
  you
• 7:17
  know,
• 7:17
  you
• 7:17
  don't
• 7:17
  want
• 7:17
  to
• 7:18
  obviously
• 7:18
  poison
• 7:18
  those
• 7:18
  kids
• 7:19
  down
• 7:19
  the
• 7:19
  street
• 7:19
  and
• 7:19
  stuff
• 7:20
  by
• 7:20
  just
• 7:20
  throwing
• 7:20
  that
• 7:20
  stuff
• 7:21
  in
• 7:21
  a
• 7:21
  dumpster.
• 7:22
  So
• 7:22
  you
• 7:22
  want
• 7:23
  to
• 7:23
  take
• 7:23
  care
• 7:23
  of
• 7:23
  it
• 7:23
  the
• 7:23
  right
• 7:24
  way.
• 7:24
  It's
• 7:24
  like
• 7:24
  the
• 7:25
  responsible
• 7:25
  thing
• 7:26
  to
• 7:26
  do.
• 7:26
  So.
• 7:27
  But
• 7:27
  you
• 7:27
  got
• 7:27
  to
• 7:27
  figure
• 7:27
  out
• 7:27
  what
• 7:27
  that
• 7:28
  costs,
• 7:28
  because
• 7:28
  I
• 7:28
  promise
• 7:29
  you,
• 7:29
  most
• 7:30
  of
• 7:30
  those
• 7:30
  carriers
• 7:30
  will
• 7:30
  just
• 7:31
  write
• 7:31
  for
• 7:31
  you
• 7:31
  to
• 7:31
  throw
• 7:31
  it
• 7:31
  in
• 7:32
  a
• 7:32
  trash
• 7:32
  bag
• 7:32
  and
• 7:32
  call
• 7:32
  it
• 7:33
  A
• 7:33
  day.
• 7:33
  And
• 7:33
  you
• 7:34
  really
• 7:34
  should
• 7:34
  not
• 7:34
  do
• 7:34
  that.
• 7:35
  100%.
• 7:36
  100%.
• 9:44
  Now,
• 9:45
  what
• 9:45
  are
• 9:45
  the
• 9:45
  biggest
• 9:45
  confusions
• 9:46
  I
• 9:46
  see
• 9:46
  out
• 9:47
  there
• 9:47
  with
• 9:48
  homeowners
• 9:48
  that
• 9:49
  I
• 9:49
  get
• 9:49
  questions
• 9:50
  on?
• 9:50
  And
• 9:50
  I'm
• 9:51
  by
• 9:51
  no
• 9:51
  means
• 9:51
  an
• 9:52
  expert
• 9:52
  on
• 9:52
  this
• 9:52
  like
• 9:52
  you
• 9:52
  are,
• 9:53
  but
• 9:54
  I
• 9:54
  tell
• 9:54
  you
• 9:54
  what,
• 9:55
  water
• 9:55
  is
• 9:55
  the
• 9:55
  biggest
• 9:56
  confusing
• 9:56
  thing
• 9:57
  for
• 9:57
  homeowners.
• 9:58
  Yeah.
• 9:58
  Yeah.
• 9:59
  In
• 10:00
  a
• 10:00
  ton
• 10:00
  of
• 10:00
  different
• 10:00
  ways.
• 10:01
  Right?
• 10:01
  Where
• 10:02
  it
• 10:02
  came
• 10:02
  from,
• 10:02
  what
• 10:03
  it
• 10:03
  did,
• 10:03
  what
• 10:03
  damage
• 10:04
  it
• 10:04
  caused.
• 10:05
  You
• 10:06
  know,
• 10:06
  someone
• 10:07
  called
• 10:07
  me
• 10:07
  the
• 10:08
  other
• 10:08
  day
• 10:08
  and
• 10:08
  they
• 10:08
  said,
• 10:08
  well,
• 10:09
  so
• 10:09
  here's
• 10:10
  what
• 10:10
  happened.
• 10:10
  The
• 10:10
  hurricane
• 10:11
  hit
• 10:11
  my
• 10:11
  house,
• 10:12
  it
• 10:12
  tore
• 10:12
  off
• 10:12
  my
• 10:12
  roof,
• 10:13
  and
• 10:13
  my
• 10:13
  house
• 10:13
  flooded.
• 10:14
  And
• 10:14
  I
• 10:14
  was
• 10:15
  like,
• 10:16
  back
• 10:16
  up.
• 10:16
  Because
• 10:16
  I
• 10:16
  think
• 10:17
  we.
• 10:17
  I
• 10:17
  think
• 10:17
  you
• 10:17
  and
• 10:17
  I
• 10:17
  say
• 10:18
  things
• 10:18
  differently.
• 10:18
  Your
• 10:19
  house
• 10:19
  flooded?
• 10:19
  And
• 10:19
  he
• 10:19
  goes,
• 10:20
  yeah,
• 10:20
  my
• 10:20
  house.
• 10:21
  I
• 10:21
  said,
• 10:21
  where
• 10:21
  did
• 10:22
  the
• 10:22
  water
• 10:22
  come
• 10:22
  from?
• 10:23
  He
• 10:23
  goes,
• 10:23
  well,
• 10:24
  you
• 10:25
  know.
• 10:25
  Yeah,
• 10:25
  you
• 10:25
  could
• 10:26
  tell.
• 10:26
  He's
• 10:26
  like,
• 10:26
  okay,
• 10:27
  so
• 10:27
  hydrogen
• 10:28
  and
• 10:28
  oxygen
• 10:28
  combined,
• 10:29
  and.
• 10:29
  And
• 10:29
  I'm
• 10:29
  like,
• 10:30
  no,
• 10:30
  I.
• 10:30
  I
• 10:31
  was
• 10:31
  like.
• 10:31
  I
• 10:32
  was
• 10:32
  like,
• 10:32
  look,
• 10:32
  I
• 10:32
  mean,
• 10:32
  how
• 10:33
  did
• 10:33
  the
• 10:33
  water
• 10:33
  get
• 10:33
  in
• 10:33
  your
• 10:34
  house?
• 10:34
  Did
• 10:34
  it
• 10:34
  come
• 10:34
  up
• 10:34
  from
• 10:35
  the
• 10:35
  ground
• 10:35
  and
• 10:36
  come
• 10:36
  in
• 10:36
  through
• 10:36
  the
• 10:36
  door
• 10:37
  and
• 10:37
  stuff?
• 10:37
  Or
• 10:38
  did
• 10:38
  it
• 10:38
  rain
• 10:38
  in
• 10:38
  because
• 10:38
  your
• 10:39
  roof
• 10:39
  was
• 10:39
  gone?
• 10:39
  He's
• 10:39
  like,
• 10:39
  oh,
• 10:40
  it
• 10:40
  all
• 10:40
  rained
• 10:40
  in.
• 10:41
  I
• 10:41
  was
• 10:41
  like,
• 10:41
  then
• 10:41
  you
• 10:41
  didn't
• 10:41
  flood.
• 10:42
  Like,
• 10:43
  flood
• 10:43
  means
• 10:44
  water
• 10:44
  comes
• 10:44
  from
• 10:44
  the
• 10:44
  ground.
• 10:45
  Water
• 10:45
  damage,
• 10:45
  that.
• 10:46
  Water
• 10:46
  damage.
• 10:46
  Right.
• 10:47
  And
• 10:47
  then
• 10:47
  people
• 10:47
  are
• 10:47
  like,
• 10:48
  oh,
• 10:48
  you
• 10:48
  can't
• 10:48
  say
• 10:48
  the
• 10:48
  mold
• 10:49
  word.
• 10:49
  You
• 10:49
  have
• 10:49
  to
• 10:49
  say
• 10:50
  water
• 10:50
  damage.
• 10:50
  Well,
• 10:51
  that's
• 10:51
  not
• 10:51
  always
• 10:52
  true.
• 10:52
  I
• 10:52
  mean,
• 10:53
  in
• 10:53
  most
• 10:53
  states,
• 10:54
  the
• 10:54
  rule
• 10:54
  is,
• 10:54
  like,
• 10:55
  what
• 10:56
  damage
• 10:56
  did
• 10:56
  the
• 10:56
  water
• 10:57
  cause?
• 10:57
  And
• 10:58
  if
• 10:58
  the
• 10:58
  water
• 10:58
  caused
• 10:59
  the
• 10:59
  mold,
• 10:59
  you
• 10:59
  probably
• 10:59
  are
• 11:00
  okay,
• 11:00
  but
• 11:01
  it's
• 11:01
  going
• 11:01
  to
• 11:01
  depend
• 11:01
  on
• 11:02
  your
• 11:02
  policy
• 11:02
  and
• 11:02
  stuff.
• 11:03
  And
• 11:03
  then
• 11:04
  in
• 11:04
  the
• 11:04
  last
• 11:04
  area,
• 11:04
  people
• 11:05
  go.
• 11:05
  It
• 11:05
  gets
• 11:06
  crazy.
• 11:06
  Is
• 11:06
  like,
• 11:07
  sewage
• 11:07
  backups,
• 11:08
  water
• 11:08
  overflows,
• 11:09
  things
• 11:09
  like
• 11:09
  that.
• 11:10
  Like,
• 11:10
  the
• 11:10
  average
• 11:11
  homeowner
• 11:11
  cannot
• 11:12
  navigate
• 11:12
  that
• 11:12
  because
• 11:13
  your
• 11:13
  policy
• 11:15
  probably
• 11:15
  has
• 11:15
  language
• 11:15
  in
• 11:16
  it
• 11:16
  that
• 11:16
  makes
• 11:16
  it
• 11:16
  sound
• 11:16
  like
• 11:17
  it's
• 11:17
  not
• 11:17
  covered.
• 11:18
  But,
• 11:18
  like,
• 11:18
  one
• 11:18
  of
• 11:18
  our
• 11:18
  attorneys
• 11:19
  I
• 11:19
  consider
• 11:20
  to
• 11:20
  be,
• 11:20
  like,
• 11:20
  the
• 11:20
  nation's
• 11:21
  expert
• 11:21
  in
• 11:21
  this
• 11:22
  one
• 11:23
  super
• 11:24
  detailed,
• 11:24
  super
• 11:25
  weird
• 11:25
  issue.
• 11:25
  Right?
• 11:26
  He
• 11:26
  could
• 11:26
  look
• 11:26
  at
• 11:26
  a
• 11:27
  policy,
• 11:28
  and
• 11:28
  he
• 11:28
  will
• 11:29
  explain.
• 11:29
  It'll
• 11:29
  take
• 11:30
  him,
• 11:30
  like,
• 11:30
  15
• 11:30
  minutes
• 11:30
  to
• 11:31
  talk
• 11:31
  to
• 11:31
  you.
• 11:32
  Okay,
• 11:32
  so
• 11:32
  here's
• 11:32
  what
• 11:33
  this
• 11:33
  policy
• 11:33
  is
• 11:33
  trying
• 11:33
  to
• 11:34
  cover.
• 11:34
  Here's
• 11:34
  what
• 11:34
  it's
• 11:34
  trying
• 11:35
  not
• 11:35
  to
• 11:35
  cover.
• 11:35
  And
• 11:35
  based
• 11:35
  on
• 11:36
  your
• 11:36
  situation,
• 11:37
  you
• 11:37
  either
• 11:37
  do
• 11:38
  have
• 11:38
  coverage
• 11:38
  or
• 11:38
  not.
• 11:39
  And
• 11:39
  he's
• 11:39
  always
• 11:39
  right.
• 11:41
  But,
• 11:41
  like,
• 11:42
  that
• 11:42
  stuff's
• 11:42
  complicated.
• 11:43
  Like,
• 11:44
  it's
• 11:44
  amazing
• 11:45
  how
• 11:45
  many
• 11:46
  homeowners.
• 11:47
  And
• 11:47
  I
• 11:47
  was
• 11:47
  guilty
• 11:48
  of
• 11:48
  it,
• 11:48
  too,
• 11:48
  before
• 11:48
  I
• 11:48
  really
• 11:49
  started
• 11:49
  doing
• 11:49
  this.
• 11:50
  You
• 11:50
  know,
• 11:51
  they.
• 11:52
  They,
• 11:52
  like,
• 11:52
  look
• 11:52
  at
• 11:53
  the
• 11:53
  policy.
• 11:53
  They
• 11:53
  kind
• 11:53
  of
• 11:53
  read
• 11:54
  it.
• 11:54
  They
• 11:54
  take
• 11:55
  the
• 11:55
  insurance
• 11:55
  company's
• 11:56
  word
• 11:56
  for
• 11:56
  it.
• 11:57
  So
• 11:57
  they
• 11:57
  think,
• 11:58
  okay,
• 11:58
  I
• 11:58
  don't
• 11:58
  really
• 11:58
  have
• 11:58
  a
• 11:59
  claim.
• 11:59
  And
• 11:59
  then,
• 12:00
  you
• 12:00
  know,
• 12:00
  they
• 12:01
  find
• 12:01
  out
• 12:01
  later
• 12:01
  that
• 12:01
  their
• 12:02
  friend
• 12:02
  with
• 12:02
  the
• 12:02
  exact
• 12:02
  same
• 12:03
  policy
• 12:03
  got
• 12:03
  paid
• 12:04
  and
• 12:05
  didn't
• 12:05
  have
• 12:05
  to
• 12:05
  be
• 12:05
  out
• 12:06
  of
• 12:06
  pocket
• 12:06
  thousands
• 12:06
  and
• 12:07
  thousands
• 12:07
  of
• 12:07
  dollars.
• 12:10
  Well,
• 12:10
  great
• 12:10
  example.
• 12:11
  My
• 12:11
  neighbor
• 12:11
  just
• 12:11
  had
• 12:12
  their
• 12:12
  water
• 12:12
  line
• 12:13
  break
• 12:13
  going
• 12:14
  back
• 12:14
  to
• 12:14
  their
• 12:14
  house,
• 12:15
  and
• 12:17
  they
• 12:17
  filed
• 12:17
  an
• 12:18
  insurance
• 12:18
  claim
• 12:18
  on
• 12:18
  it.
• 12:19
  And
• 12:19
  I
• 12:19
  was
• 12:19
  like,
• 12:19
  how
• 12:19
  did
• 12:19
  that
• 12:20
  happen?
• 12:20
  I
• 12:21
  know
• 12:21
  the
• 12:21
  tree
• 12:21
  roots
• 12:22
  caused
• 12:22
  it,
• 12:22
  and
• 12:22
  the
• 12:23
  trees
• 12:23
  are
• 12:24
  protected
• 12:24
  in
• 12:25
  the
• 12:25
  neighborhood.
• 12:25
  But
• 12:26
  I
• 12:26
  was
• 12:26
  like,
• 12:27
  that's
• 12:27
  an
• 12:27
  interesting
• 12:27
  thing
• 12:28
  that
• 12:28
  you
• 12:28
  got
• 12:28
  covered
• 12:28
  there.
• 12:29
  And
• 12:29
  they
• 12:29
  didn't
• 12:29
  pay
• 12:29
  the
• 12:29
  whole
• 12:30
  thing
• 12:30
  by
• 12:30
  any
• 12:30
  means,
• 12:30
  but
• 12:30
  they
• 12:31
  got
• 12:31
  a
• 12:31
  few
• 12:31
  thousand
• 12:31
  bucks
• 12:32
  out
• 12:32
  of
• 12:32
  the
• 12:33
  30,000
• 12:33
  bucks.
• 12:34
  But
• 12:34
  I
• 12:34
  was
• 12:34
  like,
• 12:35
  wow,
• 12:36
  it's
• 12:36
  weird
• 12:36
  that
• 12:36
  that
• 12:37
  even
• 12:37
  got
• 12:37
  covered.
• 12:37
  Yeah,
• 12:38
  I
• 12:38
  mean,
• 12:38
  every
• 12:38
  policy
• 12:39
  is
• 12:39
  different.
• 12:39
  I
• 12:40
  mean,
• 12:40
  you
• 12:40
  know,
• 12:40
  some
• 12:41
  are
• 12:41
  the
• 12:41
  same,
• 12:41
  obviously,
• 12:42
  but
• 12:42
  you
• 12:43
  should
• 12:43
  not
• 12:43
  just
• 12:43
  assume
• 12:44
  from
• 12:44
  that
• 12:44
  one
• 12:44
  page
• 12:45
  that
• 12:45
  you're
• 12:45
  looking
• 12:45
  at,
• 12:45
  that
• 12:46
  declaration
• 12:46
  page
• 12:46
  that
• 12:47
  you
• 12:47
  know
• 12:47
  what
• 12:47
  that
• 12:47
  thing
• 12:48
  says.
• 12:48
  I
• 12:48
  mean,
• 12:49
  some
• 12:49
  of
• 12:49
  these
• 12:49
  policies
• 12:49
  are
• 12:50
  hundreds
• 12:50
  of
• 12:50
  pages,
• 12:51
  and
• 12:51
  they,
• 12:51
  like,
• 12:52
  contradict
• 12:52
  each
• 12:52
  other
• 12:52
  through
• 12:53
  the
• 12:53
  whole
• 12:53
  thing,
• 12:53
  right?
• 12:53
  So
• 12:54
  you
• 12:54
  got
• 12:54
  to
• 12:54
  figure
• 12:54
  out,
• 12:54
  like,
• 12:54
  which
• 12:55
  provision
• 12:55
  controls,
• 12:56
  but
• 12:57
  it's
• 12:57
  a
• 12:57
  com.
• 12:57
  Like
• 12:58
  it's
• 12:58
  a
• 12:58
  contract.
• 12:58
  That's
• 12:59
  your
• 12:59
  agreement
• 12:59
  with
• 13:00
  them,
• 13:00
  even
• 13:00
  if
• 13:00
  you
• 13:01
  didn't
• 13:01
  really
• 13:01
  get
• 13:02
  to
• 13:02
  negotiate
• 13:02
  it.
• 13:03
  And
• 13:03
  that
• 13:04
  language
• 13:04
  controls.
• 13:05
  And
• 13:05
  then,
• 13:05
  of
• 13:05
  course,
• 13:06
  in,
• 13:06
  like,
• 13:06
  individual
• 13:07
  states,
• 13:07
  there's
• 13:07
  laws
• 13:08
  that
• 13:08
  say,
• 13:08
  well,
• 13:08
  here's
• 13:08
  how
• 13:08
  we
• 13:09
  interpret
• 13:09
  this
• 13:09
  or
• 13:09
  that.
• 13:11
  So
• 13:11
  it
• 13:11
  really
• 13:11
  is
• 13:11
  kind
• 13:12
  of
• 13:12
  like
• 13:12
  this
• 13:12
  whole
• 13:12
  winding,
• 13:13
  weaving
• 13:13
  road
• 13:14
  just
• 13:14
  to
• 13:14
  figure
• 13:14
  out
• 13:14
  what
• 13:15
  you
• 13:15
  even
• 13:15
  are
• 13:15
  entitled
• 13:16
  to.
• 13:16
  Like,
• 13:16
  then
• 13:16
  you
• 13:17
  got
• 13:17
  to
• 13:17
  fight
• 13:17
  to
• 13:17
  go
• 13:17
  get
• 13:17
  it.
• 13:18
  Right?
• 13:18
  But
• 13:18
  just
• 13:18
  to
• 13:18
  figure
• 13:19
  out,
• 13:19
  like,
• 13:20
  it's
• 13:20
  a
• 13:20
  process
• 13:21
  and,
• 13:21
  you
• 13:22
  know,
• 13:22
  we
• 13:22
  love
• 13:22
  it.
• 13:23
  Maybe
• 13:24
  we
• 13:24
  don't
• 13:24
  like
• 13:24
  ourselves
• 13:25
  very
• 13:25
  much
• 13:25
  now
• 13:25
  that
• 13:25
  I
• 13:25
  think
• 13:26
  about
• 13:26
  that,
• 13:26
  because
• 13:26
  it's
• 13:26
  really
• 13:27
  time
• 13:27
  consuming
• 13:27
  and
• 13:27
  detailed,
• 13:28
  but
• 13:28
  we,
• 13:29
  like,
• 13:29
  we
• 13:29
  like
• 13:30
  that
• 13:30
  process
• 13:30
  of,
• 13:30
  like,
• 13:31
  okay,
• 13:31
  Eric,
• 13:32
  here's
• 13:32
  your
• 13:32
  policy.
• 13:33
  Thank
• 13:33
  you.
• 13:34
  Like,
• 13:34
  tell
• 13:34
  me
• 13:35
  what
• 13:35
  happened
• 13:35
  now.
• 13:36
  Let
• 13:36
  me
• 13:36
  go
• 13:36
  into
• 13:36
  a
• 13:37
  room
• 13:37
  for,
• 13:37
  you
• 13:37
  know,
• 13:38
  a
• 13:38
  couple
• 13:38
  hours
• 13:38
  and
• 13:38
  read
• 13:38
  this
• 13:39
  entire
• 13:39
  policy
• 13:39
  and
• 13:40
  tell
• 13:40
  you,
• 13:40
  hey,
• 13:41
  that
• 13:41
  sucks.
• 13:42
  You
• 13:42
  don't
• 13:42
  have
• 13:42
  any
• 13:43
  coverage
• 13:43
  or
• 13:43
  you
• 13:44
  really
• 13:44
  do,
• 13:44
  so
• 13:45
  let's
• 13:45
  go
• 13:45
  fight
• 13:45
  and
• 13:45
  try
• 13:45
  to
• 13:45
  get
• 13:46
  you
• 13:46
  what
• 13:46
  you
• 13:46
  need.
• 13:46
  Yep.
• 13:48
  Yeah,
• 13:49
  it's
• 13:49
  amazing.
• 13:50
  And.
• 13:50
  And
• 13:50
  it's
• 13:51
  one
• 13:51
  of
• 13:51
  those
• 13:51
  things
• 13:51
  that
• 13:51
  I
• 13:52
  think
• 13:52
  is
• 13:53
  even
• 13:53
  more
• 13:53
  now
• 13:53
  that
• 13:54
  homes
• 13:54
  have
• 13:54
  gone
• 13:55
  up
• 13:56
  so
• 13:56
  far
• 13:57
  across
• 13:57
  the
• 13:57
  country
• 13:57
  in
• 13:57
  many
• 13:58
  places,
• 13:58
  like,
• 13:58
  their
• 13:59
  value
• 13:59
  has
• 14:00
  gone
• 14:00
  by
• 14:01
  a
• 14:01
  third
• 14:01
  to
• 14:01
  half
• 14:02
  to
• 14:02
  even
• 14:02
  double
• 14:02
  in
• 14:02
  places.
• 14:04
  And
• 14:04
  I'm
• 14:04
  getting
• 14:04
  ready
• 14:05
  to
• 14:05
  deal
• 14:05
  with
• 14:05
  my
• 14:05
  insurance
• 14:05
  company
• 14:06
  on
• 14:06
  this
• 14:06
  now
• 14:06
  because
• 14:07
  I
• 14:07
  realized
• 14:07
  that,
• 14:07
  wow,
• 14:08
  my
• 14:08
  house
• 14:08
  has
• 14:09
  doubled
• 14:09
  in
• 14:09
  three
• 14:10
  years.
• 14:11
  I
• 14:11
  know
• 14:11
  I'm
• 14:12
  not
• 14:12
  insured
• 14:12
  for
• 14:12
  what
• 14:13
  the
• 14:13
  value
• 14:13
  of
• 14:13
  the
• 14:13
  house
• 14:13
  is.
• 14:14
  Yeah.
• 14:14
  So
• 14:14
  it's
• 14:14
  the
• 14:14
  matchstick
• 14:15
  test
• 14:16
  is
• 14:16
  what
• 14:16
  I
• 14:16
  tell
• 14:16
  people.
• 14:17
  Again,
• 14:18
  there's
• 14:18
  just
• 14:18
  not
• 14:18
  enough
• 14:19
  information
• 14:19
  out
• 14:19
  there.
• 14:20
  Most
• 14:20
  people
• 14:20
  buy
• 14:21
  insurance
• 14:21
  for
• 14:21
  their
• 14:22
  house
• 14:23
  based
• 14:23
  on
• 14:23
  a
• 14:23
  number
• 14:24
  the
• 14:24
  agent
• 14:24
  arbitrarily
• 14:25
  chose.
• 14:26
  The
• 14:27
  agents
• 14:27
  have
• 14:27
  some
• 14:27
  ways
• 14:28
  of
• 14:28
  getting
• 14:28
  those
• 14:28
  numbers,
• 14:29
  which
• 14:29
  usually
• 14:30
  has
• 14:30
  to
• 14:30
  do
• 14:30
  with
• 14:30
  whatever
• 14:31
  you
• 14:31
  bought
• 14:31
  it
• 14:31
  for.
• 14:32
  Some
• 14:32
  of
• 14:32
  them
• 14:32
  even
• 14:32
  have
• 14:33
  softwares
• 14:33
  that
• 14:33
  find
• 14:33
  that
• 14:34
  so
• 14:34
  they
• 14:34
  don't
• 14:34
  have
• 14:34
  to
• 14:34
  look
• 14:34
  it
• 14:35
  up.
• 14:35
  And
• 14:36
  then
• 14:37
  usually
• 14:37
  they
• 14:37
  will
• 14:37
  move
• 14:38
  it
• 14:38
  up
• 14:38
  some
• 14:38
  small
• 14:39
  percentage
• 14:39
  every
• 14:39
  year
• 14:40
  based
• 14:40
  on
• 14:40
  what
• 14:40
  they
• 14:40
  think
• 14:41
  are
• 14:41
  reasonable.
• 14:42
  But
• 14:42
  that's
• 14:42
  not
• 14:42
  keeping
• 14:43
  track
• 14:43
  with
• 14:43
  the
• 14:43
  market.
• 14:44
  Right.
• 14:44
  Problem
• 14:45
  with
• 14:45
  that
• 14:45
  is
• 14:45
  a
• 14:46
  few
• 14:46
  things.
• 14:46
  In
• 14:47
  most
• 14:47
  states,
• 14:47
  it's
• 14:48
  your
• 14:48
  responsibility
• 14:49
  to
• 14:49
  figure
• 14:49
  out
• 14:49
  how
• 14:49
  much
• 14:49
  coverage
• 14:50
  you
• 14:50
  have.
• 14:50
  So
• 14:50
  even
• 14:51
  if
• 14:51
  your
• 14:51
  agent
• 14:51
  did
• 14:51
  it,
• 14:52
  unless
• 14:52
  you,
• 14:52
  like,
• 14:53
  told
• 14:53
  him,
• 14:54
  I
• 14:54
  am
• 14:54
  trusting
• 14:55
  you
• 14:55
  to
• 14:55
  figure
• 14:55
  out
• 14:56
  the
• 14:56
  number.
• 14:56
  And
• 14:56
  you
• 14:56
  bet,
• 14:57
  like,
• 14:57
  unless
• 14:57
  you
• 14:57
  can
• 14:57
  prove
• 14:58
  all
• 14:58
  that,
• 14:58
  that's
• 14:59
  on
• 14:59
  you,
• 14:59
  not
• 14:59
  them.
• 15:00
  And
• 15:01
  you
• 15:01
  know,
• 15:02
  and
• 15:02
  then
• 15:02
  the
• 15:02
  other
• 15:02
  thing
• 15:02
  that
• 15:03
  happens
• 15:03
  a
• 15:03
  lot,
• 15:03
  which
• 15:04
  is
• 15:04
  really
• 15:04
  unfortunate,
• 15:05
  is
• 15:05
  there's
• 15:05
  things.
• 15:06
  It's
• 15:06
  called
• 15:06
  CO
• 15:06
  insurance.
• 15:07
  And
• 15:07
  basically
• 15:08
  what
• 15:08
  it
• 15:08
  means
• 15:08
  is
• 15:08
  if
• 15:09
  you
• 15:09
  didn't
• 15:09
  purchase
• 15:09
  enough
• 15:10
  insurance,
• 15:11
  you
• 15:11
  actually
• 15:11
  get
• 15:11
  penalized
• 15:12
  a
• 15:12
  second
• 15:12
  time.
• 15:13
  Not
• 15:13
  just
• 15:13
  you're
• 15:13
  underinsured,
• 15:14
  but
• 15:14
  like,
• 15:15
  it'll
• 15:15
  say
• 15:15
  something
• 15:15
  like,
• 15:15
  for
• 15:16
  instance,
• 15:16
  if
• 15:16
  you're
• 15:16
  not
• 15:16
  insured
• 15:17
  to,
• 15:17
  value
• 15:18
  will
• 15:18
  figure
• 15:18
  out
• 15:19
  what
• 15:19
  you
• 15:19
  are
• 15:19
  insured
• 15:20
  to,
• 15:20
  and
• 15:20
  that's
• 15:21
  the
• 15:21
  percentage
• 15:21
  of
• 15:21
  your
• 15:21
  claim
• 15:22
  you'll
• 15:22
  get.
• 15:23
  So
• 15:23
  even
• 15:23
  if
• 15:23
  you
• 15:24
  had
• 15:24
  enough
• 15:24
  coverage
• 15:24
  for
• 15:25
  the
• 15:25
  whole
• 15:25
  claim,
• 15:25
  let's
• 15:25
  say
• 15:26
  you
• 15:26
  had
• 15:26
  100,000
• 15:27
  in
• 15:27
  insurance,
• 15:28
  but
• 15:28
  your
• 15:28
  house
• 15:28
  is
• 15:28
  500,000.
• 15:30
  Right.
• 15:30
  And
• 15:30
  you
• 15:31
  only
• 15:31
  have
• 15:31
  20,000
• 15:31
  of
• 15:31
  damage.
• 15:32
  You're
• 15:32
  like,
• 15:32
  I'm
• 15:32
  good.
• 15:33
  I
• 15:33
  got
• 15:33
  100,000
• 15:34
  in
• 15:34
  insurance.
• 15:34
  We're
• 15:34
  fine
• 15:35
  with
• 15:35
  the.
• 15:36
  They
• 15:36
  might
• 15:36
  come
• 15:36
  back
• 15:36
  and
• 15:37
  say,
• 15:37
  no,
• 15:37
  no,
• 15:37
  no
• 15:37
  coinsurance
• 15:38
  penalty.
• 15:38
  You
• 15:38
  had
• 15:38
  to
• 15:38
  be
• 15:39
  insured
• 15:39
  at
• 15:39
  full
• 15:39
  value,
• 15:40
  so
• 15:40
  you
• 15:40
  had
• 15:41
  to
• 15:41
  be
• 15:41
  insured
• 15:41
  at
• 15:41
  500.
• 15:42
  So
• 15:42
  you
• 15:43
  were
• 15:43
  20%
• 15:43
  insured.
• 15:44
  So
• 15:45
  we're
• 15:45
  actually
• 15:45
  just
• 15:45
  going
• 15:45
  to
• 15:45
  pay
• 15:46
  you
• 15:46
  four
• 15:46
  grand
• 15:46
  for
• 15:47
  that
• 15:47
  $20,000
• 15:47
  claim
• 15:48
  because
• 15:48
  that's
• 15:48
  20%.
• 15:49
  So,
• 15:49
  like,
• 15:50
  and
• 15:51
  Galen,
• 15:51
  this
• 15:51
  is
• 15:52
  why
• 15:52
  I
• 15:52
  have
• 15:52
  you
• 15:52
  on
• 15:52
  the
• 15:52
  show
• 15:53
  today.
• 15:53
  Well,
• 15:53
  and
• 15:54
  no
• 15:54
  one
• 15:54
  tells
• 15:54
  them
• 15:54
  that.
• 15:55
  That's
• 15:55
  the
• 15:55
  problem.
• 15:55
  Like,
• 15:55
  the
• 15:56
  agents
• 15:56
  don't
• 15:56
  even
• 15:56
  bring
• 15:56
  it
• 15:57
  up.
• 15:57
  So
• 15:58
  the
• 15:58
  test
• 15:58
  is
• 15:58
  this.
• 15:58
  It's
• 15:59
  really
• 15:59
  simple.
• 16:00
  And
• 16:01
  even
• 16:01
  though
• 16:01
  it's
• 16:01
  morbid,
• 16:02
  you
• 16:02
  stand
• 16:02
  outside
• 16:03
  and
• 16:03
  you
• 16:03
  stare
• 16:03
  at
• 16:03
  your
• 16:03
  house
• 16:04
  and
• 16:04
  you
• 16:04
  think,
• 16:05
  if
• 16:05
  I
• 16:05
  just
• 16:05
  decided
• 16:06
  today
• 16:06
  I
• 16:06
  wanted
• 16:06
  to
• 16:06
  live
• 16:06
  in
• 16:07
  a
• 16:07
  van
• 16:07
  down
• 16:07
  by
• 16:07
  the
• 16:07
  river
• 16:08
  and
• 16:08
  I
• 16:08
  wanted
• 16:09
  to
• 16:09
  burn
• 16:09
  this
• 16:09
  down,
• 16:10
  and
• 16:10
  then
• 16:10
  the
• 16:10
  next
• 16:11
  day
• 16:11
  I
• 16:11
  had
• 16:11
  buyer's
• 16:11
  remorse,
• 16:12
  right?
• 16:12
  I'm
• 16:13
  all
• 16:13
  about
• 16:13
  the
• 16:13
  van
• 16:13
  down
• 16:13
  by
• 16:13
  the
• 16:14
  River.
• 16:14
  But
• 16:14
  next
• 16:15
  day
• 16:15
  I
• 16:15
  get
• 16:15
  buyer's
• 16:15
  remorse.
• 16:16
  And
• 16:16
  I
• 16:16
  want
• 16:17
  to
• 16:17
  rebuild
• 16:17
  this
• 16:17
  house
• 16:18
  from
• 16:18
  the
• 16:18
  ground
• 16:18
  up.
• 16:18
  And
• 16:19
  I
• 16:19
  want
• 16:19
  to
• 16:19
  replace
• 16:19
  all
• 16:20
  my
• 16:20
  stuff
• 16:20
  inside.
• 16:22
  What
• 16:22
  is
• 16:22
  the
• 16:23
  number
• 16:23
  that
• 16:23
  I
• 16:24
  need
• 16:24
  for
• 16:24
  each?
• 16:25
  One
• 16:25
  number
• 16:25
  to
• 16:26
  build
• 16:26
  and
• 16:26
  one
• 16:26
  number
• 16:27
  to
• 16:27
  replace
• 16:27
  all
• 16:27
  your
• 16:27
  stuff.
• 16:28
  That
• 16:29
  sucks.
• 16:29
  To
• 16:29
  pay
• 16:30
  an
• 16:30
  extra
• 16:30
  400,
• 16:31
  500,
• 16:31
  600
• 16:32
  a
• 16:32
  year,
• 16:34
  really
• 16:34
  not
• 16:34
  that
• 16:34
  much
• 16:34
  when
• 16:35
  you
• 16:35
  think
• 16:35
  about
• 16:35
  it,
• 16:36
  in
• 16:36
  extra
• 16:36
  coverage
• 16:37
  that
• 16:37
  you
• 16:37
  think
• 16:37
  you
• 16:37
  don't
• 16:37
  need.
• 16:38
  But
• 16:38
  that
• 16:39
  is
• 16:39
  the
• 16:39
  test.
• 16:39
  That
• 16:39
  is
• 16:40
  how
• 16:40
  you
• 16:40
  know
• 16:40
  that
• 16:40
  you
• 16:40
  were
• 16:41
  covered.
• 16:41
  And
• 16:41
  you
• 16:41
  need
• 16:41
  to
• 16:41
  do
• 16:42
  that
• 16:42
  every
• 16:42
  year.
• 16:43
  When
• 16:43
  you
• 16:43
  get
• 16:43
  the
• 16:43
  renewal
• 16:44
  paperwork
• 16:44
  from
• 16:44
  your
• 16:45
  agent,
• 16:45
  go
• 16:46
  back
• 16:46
  outside
• 16:46
  and
• 16:47
  think
• 16:47
  about
• 16:47
  it.
• 16:47
  What
• 16:47
  is
• 16:47
  it
• 16:47
  really
• 16:48
  going
• 16:48
  to
• 16:48
  cost?
• 16:50
  My
• 16:51
  brother's
• 16:51
  house
• 16:51
  is
• 16:52
  a
• 16:52
  perfect
• 16:52
  example
• 16:53
  of
• 16:53
  this.
• 16:54
  He
• 16:54
  has
• 16:54
  a
• 16:54
  1920s
• 16:56
  old
• 16:56
  farmhouse
• 16:57
  that
• 16:57
  was
• 16:57
  a
• 16:57
  big,
• 16:58
  huge
• 16:58
  Sears
• 16:58
  house
• 16:59
  back
• 16:59
  in
• 16:59
  the
• 16:59
  day
• 17:00
  in
• 17:00
  the
• 17:00
  20s.
• 17:01
  Three
• 17:02
  stories,
• 17:02
  basement,
• 17:03
  almost
• 17:04
  5,000
• 17:04
  square
• 17:05
  feet.
• 17:06
  If
• 17:06
  you
• 17:06
  jump
• 17:07
  on
• 17:07
  Zillow,
• 17:07
  it
• 17:08
  says
• 17:08
  it's
• 17:08
  worth
• 17:08
  on
• 17:09
  the
• 17:09
  acre,
• 17:09
  $800,000.
• 17:11
  I'm
• 17:12
  gonna
• 17:12
  guess
• 17:12
  it's
• 17:13
  1.6
• 17:14
  to
• 17:14
  replace
• 17:14
  it.
• 17:15
  Yeah,
• 17:16
  I
• 17:16
  mean,
• 17:16
  look,
• 17:17
  I
• 17:17
  even
• 17:17
  have
• 17:18
  them
• 17:19
  like
• 17:19
  roofs.
• 17:20
  So
• 17:20
  there's
• 17:20
  a
• 17:20
  lot
• 17:20
  of
• 17:20
  weird
• 17:21
  roof
• 17:21
  claims.
• 17:21
  Asbestos
• 17:22
  is
• 17:22
  a
• 17:22
  great
• 17:22
  example.
• 17:23
  Right.
• 17:23
  But
• 17:23
  there's
• 17:23
  clay,
• 17:23
  tile
• 17:24
  and
• 17:24
  all
• 17:24
  these
• 17:24
  things.
• 17:26
  And
• 17:26
  I'll
• 17:26
  see
• 17:26
  people
• 17:27
  that
• 17:27
  have
• 17:27
  like
• 17:27
  300,000
• 17:28
  in
• 17:28
  coverage.
• 17:28
  And
• 17:28
  at
• 17:29
  first
• 17:29
  you
• 17:29
  just
• 17:29
  look
• 17:29
  at
• 17:29
  that
• 17:30
  house
• 17:30
  and
• 17:30
  you're
• 17:30
  like,
• 17:30
  yeah,
• 17:31
  it's
• 17:31
  like
• 17:31
  a
• 17:31
  three
• 17:31
  hundred
• 17:31
  thousand
• 17:32
  dollar
• 17:32
  house.
• 17:33
  And
• 17:33
  then
• 17:33
  you
• 17:33
  find
• 17:33
  out
• 17:34
  that
• 17:34
  roof
• 17:34
  is
• 17:34
  out
• 17:34
  of
• 17:35
  production.
• 17:35
  They
• 17:35
  don't
• 17:35
  make
• 17:36
  it
• 17:36
  anymore.
• 17:37
  It's
• 17:37
  not
• 17:37
  a
• 17:37
  cheap
• 17:37
  architectural
• 17:38
  shingle.
• 17:39
  And
• 17:40
  so
• 17:40
  you
• 17:40
  get
• 17:40
  one
• 17:41
  of
• 17:41
  the
• 17:41
  few
• 17:41
  contractors
• 17:42
  in
• 17:42
  the
• 17:42
  country,
• 17:42
  they're
• 17:43
  like
• 17:43
  really,
• 17:43
  really
• 17:43
  certified
• 17:44
  to
• 17:44
  install
• 17:44
  from
• 17:45
  that
• 17:45
  manufacturer.
• 17:46
  They
• 17:46
  come
• 17:46
  down,
• 17:47
  they
• 17:47
  give
• 17:47
  you
• 17:47
  a
• 17:47
  quote
• 17:48
  and
• 17:48
  they
• 17:48
  quote
• 17:48
  you
• 17:49
  for
• 17:49
  like
• 17:49
  280
• 17:49
  for
• 17:49
  the
• 17:50
  roof.
• 17:51
  And
• 17:51
  you're
• 17:51
  like,
• 17:51
  what
• 17:51
  in
• 17:52
  the
• 17:52
  actual
• 17:52
  world,
• 17:53
  like,
• 17:53
  that
• 17:54
  is
• 17:54
  a
• 17:54
  $300,000
• 17:55
  house
• 17:55
  all
• 17:55
  day.
• 17:56
  You
• 17:56
  know
• 17:56
  it,
• 17:56
  I
• 17:57
  know
• 17:57
  it.
• 17:57
  We
• 17:57
  would
• 17:58
  not
• 17:58
  pay
• 17:58
  more
• 17:58
  than
• 17:58
  300
• 17:59
  to
• 17:59
  buy
• 17:59
  that
• 17:59
  house.
• 18:00
  And
• 18:00
  the
• 18:00
  actual
• 18:01
  cost,
• 18:01
  like
• 18:01
  no
• 18:01
  one's
• 18:02
  inflating
• 18:02
  anyone
• 18:03
  listening
• 18:03
  is
• 18:03
  like,
• 18:03
  yeah,
• 18:03
  the
• 18:03
  contractor
• 18:04
  is
• 18:04
  a
• 18:04
  crooked,
• 18:05
  not
• 18:05
  a
• 18:05
  crook.
• 18:06
  Like,
• 18:06
  because
• 18:06
  I'll
• 18:06
  go
• 18:06
  get
• 18:06
  the
• 18:06
  same
• 18:07
  bid
• 18:07
  from
• 18:07
  five
• 18:07
  others,
• 18:08
  right?
• 18:09
  That
• 18:09
  roof
• 18:09
  is
• 18:10
  like
• 18:10
  worth
• 18:10
  just
• 18:10
  as
• 18:11
  much
• 18:11
  as
• 18:11
  that
• 18:11
  house.
• 18:11
  And
• 18:11
  maybe
• 18:12
  they're
• 18:12
  in
• 18:12
  a
• 18:12
  historical
• 18:12
  district,
• 18:13
  so
• 18:13
  maybe
• 18:13
  they
• 18:13
  can't
• 18:14
  even
• 18:14
  put
• 18:15
  something
• 18:15
  cheaper
• 18:15
  on.
• 18:16
  So
• 18:16
  you
• 18:17
  really
• 18:17
  have
• 18:17
  to
• 18:17
  think
• 18:17
  through
• 18:17
  it.
• 18:18
  I
• 18:18
  know
• 18:18
  you
• 18:18
  don't
• 18:18
  have
• 18:19
  the
• 18:19
  expertise
• 18:19
  to
• 18:19
  do
• 18:19
  it,
• 18:19
  but
• 18:20
  you
• 18:20
  can
• 18:20
  kind
• 18:20
  of
• 18:20
  figure
• 18:20
  it
• 18:20
  out.
• 18:21
  And
• 18:21
  you
• 18:21
  can
• 18:21
  even
• 18:21
  ask
• 18:21
  a
• 18:21
  contractor,
• 18:22
  like,
• 18:22
  hey,
• 18:23
  if
• 18:23
  I
• 18:23
  wanted
• 18:23
  you
• 18:23
  to
• 18:23
  build
• 18:24
  this
• 18:24
  house
• 18:24
  for
• 18:24
  me,
• 18:24
  what
• 18:25
  would.
• 18:25
  You
• 18:25
  charge
• 18:27
  well,
• 18:27
  and
• 18:27
  even
• 18:28
  on
• 18:28
  top
• 18:28
  of
• 18:28
  that,
• 18:28
  let's
• 18:29
  take
• 18:29
  it
• 18:29
  even
• 18:29
  one
• 18:29
  more
• 18:30
  level.
• 18:30
  They
• 18:31
  have
• 18:31
  to
• 18:31
  pull
• 18:31
  a
• 18:31
  building
• 18:31
  permit
• 18:32
  to
• 18:32
  put
• 18:32
  that
• 18:32
  new
• 18:32
  roof
• 18:33
  on.
• 18:33
  And
• 18:33
  the
• 18:33
  permit
• 18:34
  department
• 18:34
  goes,
• 18:35
  hey,
• 18:35
  that
• 18:35
  roof
• 18:36
  isn't
• 18:36
  framed
• 18:37
  to
• 18:37
  hold
• 18:37
  that.
• 18:37
  It
• 18:38
  won't
• 18:38
  pass
• 18:38
  today's
• 18:39
  engineering
• 18:39
  stuff.
• 18:40
  So
• 18:40
  we
• 18:41
  need
• 18:41
  new
• 18:41
  engineering
• 18:41
  drawings
• 18:42
  and
• 18:42
  we
• 18:42
  need
• 18:42
  you
• 18:42
  to
• 18:43
  rebuild
• 18:43
  that
• 18:43
  roof
• 18:43
  system
• 18:44
  up
• 18:44
  there
• 18:45
  before
• 18:45
  you
• 18:46
  even
• 18:46
  put
• 18:46
  that
• 18:46
  $280,000
• 18:47
  roof
• 18:47
  on.
• 18:48
  Yeah.
• 18:48
  And
• 18:48
  again,
• 18:49
  something
• 18:49
  a
• 18:49
  lot
• 18:50
  of
• 18:50
  people
• 18:50
  don't
• 18:50
  know
• 18:51
  is
• 18:51
  there's
• 18:51
  actually
• 18:52
  a
• 18:53
  provision
• 18:53
  for
• 18:53
  that
• 18:53
  in
• 18:53
  a
• 18:53
  lot
• 18:54
  of
• 18:54
  policies
• 18:54
  called
• 18:54
  law
• 18:55
  and
• 18:55
  ordinance,
• 18:56
  which
• 18:56
  basically
• 18:56
  says,
• 18:57
  hey,
• 18:57
  you
• 18:57
  know,
• 18:57
  if
• 18:57
  you're
• 18:57
  doing
• 18:58
  a
• 18:58
  lot
• 18:58
  of
• 18:58
  work,
• 18:58
  you're
• 18:58
  probably
• 18:58
  gonna
• 18:59
  have
• 18:59
  to
• 18:59
  upgrade
• 19:00
  just
• 19:00
  to
• 19:00
  meet
• 19:00
  the
• 19:00
  codes.
• 19:01
  Not
• 19:01
  because
• 19:02
  you're
• 19:02
  trying
• 19:02
  to
• 19:02
  get
• 19:02
  away
• 19:02
  with,
• 19:03
  you
• 19:03
  know,
• 19:03
  going
• 19:04
  from
• 19:04
  laminate
• 19:05
  countertops
• 19:05
  to
• 19:05
  marble,
• 19:06
  you
• 19:07
  know,
• 19:07
  but
• 19:07
  there
• 19:07
  may
• 19:07
  be
• 19:07
  code
• 19:07
  things
• 19:08
  you
• 19:08
  gotta
• 19:08
  deal
• 19:08
  with.
• 19:09
  So
• 19:09
  that's
• 19:09
  a
• 19:09
  law
• 19:09
  and
• 19:09
  ordinance
• 19:10
  coverage.
• 19:11
  Really
• 19:11
  good
• 19:11
  coverage
• 19:12
  to
• 19:12
  have.
• 19:13
  Really
• 19:13
  important.
• 19:13
  I
• 19:14
  can't
• 19:14
  tell
• 19:14
  you
• 19:14
  how
• 19:14
  often
• 19:15
  I
• 19:15
  see
• 19:15
  it
• 19:15
  come
• 19:15
  up.
• 19:16
  It
• 19:16
  also
• 19:17
  is
• 19:17
  one
• 19:17
  of
• 19:17
  the
• 19:17
  most
• 19:17
  frequently
• 19:18
  waived
• 19:20
  policy
• 19:20
  provisions.
• 19:22
  And
• 19:22
  like,
• 19:22
  I
• 19:23
  have
• 19:23
  seen
• 19:23
  crazy,
• 19:24
  crazy
• 19:24
  stuff
• 19:25
  where
• 19:25
  that
• 19:25
  would
• 19:25
  have
• 19:26
  helped
• 19:26
  a
• 19:26
  homeowner,
• 19:27
  like,
• 19:27
  save
• 19:27
  a
• 19:27
  hundred
• 19:27
  grand.
• 19:28
  And
• 19:29
  I'm
• 19:29
  like,
• 19:29
  how
• 19:29
  much
• 19:30
  did
• 19:30
  you
• 19:30
  get
• 19:30
  a
• 19:30
  discount
• 19:31
  on
• 19:31
  to
• 19:31
  get
• 19:31
  rid
• 19:31
  of
• 19:32
  that?
• 19:32
  Like,
• 19:32
  that's
• 19:32
  a
• 19:32
  weird
• 19:33
  issue
• 19:33
  to
• 19:34
  me.
• 19:34
  And
• 19:34
  what
• 19:34
  happened?
• 19:35
  Less.
• 19:36
  Like,
• 19:36
  less.
• 19:36
  Right.
• 19:37
  Because
• 19:37
  they're
• 19:37
  just
• 19:37
  checking
• 19:38
  off
• 19:38
  all
• 19:38
  these
• 19:38
  boxes
• 19:39
  to
• 19:39
  get
• 19:39
  their
• 19:40
  premium
• 19:40
  down
• 19:40
  by
• 19:41
  50
• 19:41
  bucks
• 19:41
  and
• 19:41
  they're
• 19:41
  waiving
• 19:42
  like
• 19:42
  17
• 19:42
  different
• 19:43
  types
• 19:43
  of
• 19:43
  coverage.
• 19:44
  I
• 19:45
  saw
• 19:45
  one
• 19:45
  the
• 19:46
  other
• 19:46
  day.
• 19:47
  There's
• 19:47
  no
• 19:47
  way
• 19:47
  it's
• 19:48
  legal.
• 19:48
  Like
• 19:48
  we're
• 19:48
  going
• 19:49
  to
• 19:49
  challenge
• 19:49
  it.
• 19:49
  There's
• 19:49
  no
• 19:50
  way
• 19:50
  it's
• 19:50
  legal.
• 19:51
  Where
• 19:51
  in
• 19:52
  Exchange
• 19:52
  for
• 19:52
  a
• 19:53
  $32
• 19:53
  a
• 19:54
  year
• 19:54
  savings,
• 19:55
  they
• 19:55
  agree
• 19:56
  not
• 19:56
  to
• 19:56
  hire
• 19:56
  anyone
• 19:57
  to
• 19:57
  help
• 19:57
  them
• 19:57
  with
• 19:57
  their
• 19:57
  insurance
• 19:58
  claim.
• 19:59
  How
• 20:00
  can
• 20:00
  that
• 20:00
  be
• 20:01
  legal?
• 20:01
  Yeah,
• 20:02
  there's
• 20:02
  no
• 20:02
  way
• 20:02
  it
• 20:02
  is.
• 20:02
  We're
• 20:02
  going
• 20:02
  to
• 20:03
  challenge
• 20:03
  it,
• 20:03
  but
• 20:04
  I
• 20:04
  guess
• 20:04
  our
• 20:04
  client
• 20:04
  will
• 20:04
  owe
• 20:05
  them
• 20:05
  32
• 20:05
  bucks
• 20:05
  back.
• 20:06
  But.
• 20:06
  But
• 20:07
  literally
• 20:07
  to
• 20:07
  save
• 20:07
  $32,
• 20:09
  our
• 20:09
  client
• 20:09
  agreed
• 20:10
  not
• 20:10
  to
• 20:10
  hire
• 20:10
  a
• 20:11
  public
• 20:11
  adjuster
• 20:11
  to
• 20:12
  help
• 20:12
  them
• 20:12
  figure
• 20:12
  out
• 20:12
  what
• 20:13
  they're
• 20:13
  owed,
• 20:13
  just
• 20:14
  to
• 20:14
  accept
• 20:14
  whatever
• 20:15
  number
• 20:15
  the
• 20:15
  carrier
• 20:15
  said,
• 20:16
  well,
• 20:16
  you
• 20:17
  tell
• 20:17
  me
• 20:18
  when,
• 20:18
  because
• 20:18
  they
• 20:18
  know
• 20:19
  what
• 20:19
  the
• 20:19
  policy
• 20:19
  says
• 20:19
  when
• 20:19
  they
• 20:20
  come
• 20:20
  out.
• 20:20
  You
• 20:20
  tell
• 20:21
  me
• 20:21
  what
• 20:21
  they're
• 20:21
  going
• 20:21
  to
• 20:21
  do
• 20:21
  when
• 20:22
  they
• 20:22
  get
• 20:22
  out
• 20:22
  there.
• 20:22
  They're
• 20:22
  going
• 20:22
  to
• 20:23
  be
• 20:23
  like,
• 20:23
  yeah,
• 20:23
  I
• 20:23
  don't
• 20:23
  see
• 20:24
  anything.
• 20:24
  Here's
• 20:24
  a
• 20:24
  dollar.
• 20:26
  Exactly.
• 20:28
  That's
• 20:29
  crazy.
• 20:30
  At
• 20:31
  what
• 20:31
  level?
• 20:31
  I
• 20:32
  want
• 20:32
  to
• 20:32
  get
• 20:32
  your
• 20:32
  opinion
• 20:32
  on
• 20:32
  this
• 20:32
  because
• 20:33
  I
• 20:33
  always
• 20:33
  say
• 20:33
  if
• 20:33
  you've
• 20:34
  got
• 20:34
  anything
• 20:34
  over
• 20:34
  just
• 20:35
  a
• 20:35
  small
• 20:35
  claim
• 20:35
  that
• 20:36
  you
• 20:36
  could
• 20:36
  almost
• 20:37
  pay
• 20:37
  out
• 20:37
  of
• 20:37
  pocket
• 20:38
  versus
• 20:38
  claiming
• 20:38
  on
• 20:38
  your.
• 20:39
  On
• 20:39
  your
• 20:39
  homeowners.
• 20:41
  At
• 20:41
  what
• 20:41
  point
• 20:41
  do
• 20:42
  you
• 20:42
  recommend
• 20:42
  getting
• 20:43
  that
• 20:43
  public
• 20:43
  adjuster
• 20:44
  or
• 20:44
  somebody
• 20:44
  in
• 20:44
  to
• 20:44
  help
• 20:44
  you
• 20:45
  with
• 20:45
  that
• 20:45
  claim?
• 20:45
  Because
• 20:45
  it
• 20:46
  is
• 20:46
  so
• 20:46
  hard
• 20:46
  to
• 20:46
  navigate.
• 20:47
  Yeah.
• 20:47
  So
• 20:47
  I
• 20:47
  think
• 20:48
  those
• 20:48
  are
• 20:48
  two
• 20:49
  things
• 20:49
  there,
• 20:49
  and
• 20:49
  they're
• 20:49
  both
• 20:49
  really
• 20:50
  important.
• 20:51
  And
• 20:51
  I'm
• 20:52
  not
• 20:52
  the
• 20:52
  typical
• 20:53
  lawyer
• 20:53
  that's
• 20:53
  like,
• 20:54
  no,
• 20:54
  hire
• 20:55
  a
• 20:55
  lawyer
• 20:55
  for
• 20:55
  everything,
• 20:56
  because
• 20:57
  it
• 20:57
  doesn't
• 20:57
  always
• 20:57
  make
• 20:57
  sense.
• 20:57
  So
• 20:58
  the
• 20:58
  first
• 20:58
  thing
• 20:58
  is
• 20:59
  you
• 20:59
  do
• 20:59
  have
• 20:59
  to
• 20:59
  kind
• 21:00
  of
• 21:00
  get
• 21:00
  a
• 21:00
  rough
• 21:00
  idea
• 21:01
  of
• 21:01
  the
• 21:01
  magnitude
• 21:02
  of
• 21:02
  the
• 21:02
  damage.
• 21:02
  Right.
• 21:03
  So
• 21:04
  if
• 21:04
  you're
• 21:04
  talking
• 21:04
  to
• 21:04
  some
• 21:05
  contractor,
• 21:05
  your
• 21:06
  deductible
• 21:06
  is
• 21:06
  like
• 21:06
  two
• 21:06
  grand,
• 21:07
  and
• 21:07
  you're
• 21:08
  talking
• 21:08
  to
• 21:08
  some
• 21:08
  contractor,
• 21:09
  he's
• 21:09
  like,
• 21:09
  I
• 21:09
  can
• 21:09
  fix
• 21:09
  that
• 21:10
  for,
• 21:10
  like,
• 21:10
  700
• 21:11
  bucks.
• 21:12
  I
• 21:13
  don't
• 21:13
  see
• 21:13
  a
• 21:13
  reason
• 21:13
  to
• 21:13
  open
• 21:14
  a
• 21:14
  claim.
• 21:15
  I'm
• 21:15
  a.
• 21:15
  I'm
• 21:15
  a
• 21:16
  prac.
• 21:16
  Like,
• 21:16
  I'm
• 21:17
  pragmatic.
• 21:17
  Right.
• 21:18
  It's
• 21:18
  not
• 21:18
  that
• 21:19
  having
• 21:19
  it
• 21:19
  on
• 21:19
  there
• 21:20
  is
• 21:20
  going
• 21:20
  to
• 21:20
  hurt
• 21:20
  you
• 21:20
  a
• 21:20
  lot.
• 21:21
  In
• 21:21
  most
• 21:21
  states,
• 21:22
  if
• 21:22
  it's
• 21:22
  not
• 21:23
  your
• 21:23
  fault,
• 21:23
  it's
• 21:23
  not
• 21:24
  really
• 21:24
  changing
• 21:25
  the
• 21:25
  metrics
• 21:25
  as
• 21:25
  far
• 21:25
  as
• 21:26
  your
• 21:26
  premiums
• 21:26
  and
• 21:26
  getting
• 21:27
  dropped
• 21:27
  and
• 21:27
  stuff.
• 21:28
  But
• 21:28
  there's
• 21:28
  just
• 21:28
  no
• 21:29
  reason
• 21:29
  to
• 21:29
  deal
• 21:29
  with
• 21:29
  the
• 21:29
  hassle.
• 21:30
  Like,
• 21:30
  it's
• 21:30
  just
• 21:30
  one
• 21:31
  more
• 21:31
  thing
• 21:31
  they're
• 21:31
  going
• 21:31
  to
• 21:31
  look
• 21:32
  at
• 21:32
  in
• 21:32
  a.
• 21:32
  In
• 21:33
  a
• 21:33
  later
• 21:33
  claim.
• 21:33
  They're
• 21:33
  going
• 21:34
  to
• 21:34
  want
• 21:34
  to
• 21:34
  see
• 21:34
  if
• 21:34
  you
• 21:34
  fix
• 21:34
  that.
• 21:35
  Right.
• 21:35
  Like,
• 21:36
  it's
• 21:36
  just
• 21:36
  not
• 21:36
  worth
• 21:36
  it.
• 21:37
  It's
• 21:37
  not
• 21:38
  worth
• 21:38
  the
• 21:38
  hassle.
• 21:38
  If
• 21:39
  it's
• 21:39
  cheap,
• 21:39
  it's
• 21:39
  easy.
• 21:40
  However,
• 21:41
  do
• 21:41
  not
• 21:41
  just
• 21:42
  take
• 21:42
  that
• 21:42
  contractor's
• 21:43
  word
• 21:43
  for
• 21:43
  it.
• 21:43
  Like,
• 21:43
  be
• 21:44
  investigative,
• 21:44
  be
• 21:45
  inquisitive.
• 21:45
  Look
• 21:46
  around.
• 21:46
  Okay,
• 21:47
  cool.
• 21:47
  I
• 21:48
  asked
• 21:48
  a
• 21:48
  roofer,
• 21:48
  and
• 21:49
  he
• 21:49
  said
• 21:49
  he
• 21:49
  could
• 21:49
  just
• 21:50
  do
• 21:50
  a
• 21:50
  quick
• 21:50
  spot
• 21:51
  repair
• 21:51
  for
• 21:51
  seven
• 21:51
  bucks,
• 21:52
  you
• 21:52
  know,
• 21:52
  for
• 21:52
  70
• 21:53
  bucks.
• 21:53
  But,
• 21:54
  you
• 21:54
  know,
• 21:55
  did
• 21:55
  I
• 21:55
  look
• 21:55
  in
• 21:56
  the
• 21:56
  attic
• 21:56
  or
• 21:56
  did
• 21:56
  I
• 21:56
  pay
• 21:57
  someone
• 21:57
  to
• 21:57
  look
• 21:57
  in
• 21:57
  the
• 21:57
  attic?
• 21:58
  Is
• 21:58
  there
• 21:58
  water
• 21:58
  in
• 21:58
  there?
• 21:59
  What
• 21:59
  does
• 21:59
  that
• 22:00
  mean?
• 22:00
  Like,
• 22:00
  don't
• 22:01
  just
• 22:01
  stop
• 22:01
  at
• 22:01
  the
• 22:01
  number.
• 22:02
  Like,
• 22:02
  really
• 22:02
  look
• 22:02
  at
• 22:03
  everything.
• 22:04
  You
• 22:04
  know,
• 22:05
  ask
• 22:05
  a
• 22:06
  contractor,
• 22:06
  not
• 22:07
  a
• 22:07
  handyman.
• 22:08
  Handyman's
• 22:08
  looking
• 22:09
  for
• 22:09
  the
• 22:09
  quick
• 22:09
  fix
• 22:09
  they
• 22:09
  can
• 22:09
  charge
• 22:10
  some
• 22:10
  bucks
• 22:10
  for.
• 22:10
  Right.
• 22:11
  And
• 22:11
  I
• 22:11
  don't
• 22:11
  mind
• 22:12
  that.
• 22:12
  Like,
• 22:12
  I
• 22:12
  love
• 22:13
  doing
• 22:13
  stuff
• 22:13
  around
• 22:13
  the
• 22:13
  house
• 22:14
  myself.
• 22:14
  I'll
• 22:15
  help
• 22:15
  people.
• 22:15
  Like,
• 22:15
  I
• 22:16
  mean,
• 22:16
  I
• 22:16
  actually
• 22:16
  love
• 22:16
  your
• 22:16
  podcast
• 22:17
  because
• 22:17
  it's
• 22:17
  got
• 22:17
  so
• 22:18
  much
• 22:18
  great
• 22:18
  info.
• 22:18
  Right.
• 22:19
  But
• 22:19
  contractor
• 22:20
  is
• 22:20
  going
• 22:20
  to
• 22:20
  have
• 22:20
  an
• 22:20
  eye
• 22:21
  towards
• 22:22
  spotting
• 22:23
  everything.
• 22:24
  Right.
• 22:25
  Because
• 22:25
  they
• 22:25
  want
• 22:25
  to
• 22:25
  make
• 22:25
  money.
• 22:26
  Yeah.
• 22:26
  So,
• 22:26
  so
• 22:27
  ask
• 22:27
  them
• 22:27
  to
• 22:27
  help
• 22:27
  you
• 22:27
  spot
• 22:28
  things.
• 22:28
  True.
• 22:28
  And
• 22:29
  then
• 22:29
  if
• 22:29
  you
• 22:29
  get
• 22:29
  to
• 22:29
  a
• 22:29
  point
• 22:30
  where
• 22:30
  that
• 22:30
  claim
• 22:31
  is
• 22:31
  likely
• 22:32
  to
• 22:32
  be
• 22:32
  above
• 22:32
  your
• 22:32
  deductible,
• 22:34
  what
• 22:34
  I
• 22:34
  suggest
• 22:35
  is
• 22:35
  this.
• 22:35
  Personally,
• 22:36
  unless
• 22:37
  it's
• 22:37
  like
• 22:37
  a
• 22:37
  crazy,
• 22:37
  crazy
• 22:38
  situation
• 22:38
  and,
• 22:38
  you
• 22:38
  know,
• 22:38
  it's
• 22:39
  going
• 22:39
  to
• 22:39
  be
• 22:39
  wild.
• 22:40
  Let
• 22:41
  them
• 22:41
  come
• 22:41
  out.
• 22:42
  Do
• 22:43
  not
• 22:43
  say
• 22:44
  ridiculous
• 22:44
  things
• 22:44
  to
• 22:44
  them
• 22:45
  because
• 22:45
  people
• 22:45
  love
• 22:45
  to,
• 22:46
  because
• 22:46
  they're
• 22:46
  trying
• 22:46
  to
• 22:46
  make
• 22:46
  friends,
• 22:47
  right?
• 22:48
  Just
• 22:48
  tell
• 22:49
  them
• 22:49
  what
• 22:49
  happened.
• 22:50
  Don't
• 22:51
  even
• 22:51
  point
• 22:51
  them
• 22:52
  to
• 22:52
  the
• 22:52
  areas
• 22:52
  that
• 22:52
  are
• 22:52
  affected.
• 22:53
  Like,
• 22:53
  you
• 22:53
  can
• 22:53
  say,
• 22:53
  hey,
• 22:54
  the
• 22:54
  leak
• 22:54
  came
• 22:54
  in
• 22:54
  the
• 22:54
  kitchen.
• 22:55
  But
• 22:55
  do
• 22:55
  not
• 22:56
  say,
• 22:56
  only
• 22:56
  check
• 22:57
  the
• 22:57
  kitchen.
• 22:57
  Ask
• 22:58
  them
• 22:58
  to
• 22:58
  check
• 22:58
  everything.
• 22:59
  Right?
• 22:59
  Like
• 23:00
  you
• 23:00
  want
• 23:00
  them
• 23:00
  working
• 23:01
  on
• 23:01
  actually
• 23:01
  paying
• 23:01
  the
• 23:02
  claim,
• 23:02
  not
• 23:02
  creating
• 23:03
  a
• 23:03
  file
• 23:03
  that
• 23:03
  makes
• 23:03
  you
• 23:04
  sound
• 23:04
  like
• 23:04
  you
• 23:04
  told
• 23:04
  them
• 23:04
  what
• 23:05
  to
• 23:05
  do
• 23:06
  and
• 23:07
  exactly
• 23:08
  get
• 23:08
  that
• 23:08
  check.
• 23:09
  And
• 23:10
  here's
• 23:10
  what
• 23:10
  you
• 23:10
  do
• 23:10
  next.
• 23:11
  They're
• 23:11
  going
• 23:11
  to
• 23:11
  tell
• 23:12
  you,
• 23:12
  oh,
• 23:12
  just
• 23:12
  take
• 23:12
  that
• 23:13
  money.
• 23:13
  It's
• 23:13
  just
• 23:13
  going
• 23:14
  to
• 23:14
  get
• 23:14
  you
• 23:14
  started.
• 23:15
  Hire
• 23:15
  a
• 23:15
  contractor,
• 23:16
  do
• 23:16
  whatever.
• 23:16
  That's
• 23:16
  terrible
• 23:17
  advice.
• 23:17
  They
• 23:18
  usually
• 23:18
  don't
• 23:18
  even
• 23:18
  mean
• 23:19
  it.
• 23:19
  They
• 23:19
  will
• 23:20
  leave
• 23:20
  you
• 23:20
  hanging
• 23:20
  with
• 23:20
  a
• 23:20
  bill
• 23:21
  and
• 23:21
  then
• 23:21
  they
• 23:21
  will
• 23:21
  try
• 23:21
  to
• 23:22
  negotiate
• 23:22
  and
• 23:22
  extort
• 23:23
  you
• 23:23
  and
• 23:23
  be
• 23:24
  like,
• 23:24
  well,
• 23:24
  this
• 23:24
  contractor
• 23:25
  is
• 23:25
  going
• 23:25
  to
• 23:25
  sue
• 23:25
  you
• 23:25
  for
• 23:25
  20
• 23:26
  grand,
• 23:26
  but
• 23:26
  I'll
• 23:26
  give
• 23:26
  you
• 23:26
  14
• 23:27
  if
• 23:27
  you
• 23:27
  agree
• 23:27
  to
• 23:28
  walk
• 23:28
  away.
• 23:29
  You
• 23:29
  know
• 23:29
  it's
• 23:29
  terrible,
• 23:30
  right?
• 23:31
  Instead,
• 23:31
  what
• 23:31
  I
• 23:32
  suggest
• 23:32
  is
• 23:32
  do
• 23:32
  this.
• 23:32
  It's
• 23:32
  called
• 23:33
  the
• 23:33
  offensive
• 23:33
  check.
• 23:34
  If
• 23:34
  you
• 23:34
  get
• 23:34
  that
• 23:35
  check
• 23:35
  and
• 23:35
  you're
• 23:35
  holding
• 23:35
  it
• 23:36
  and
• 23:36
  you
• 23:36
  feel
• 23:36
  offended
• 23:38
  by
• 23:38
  what
• 23:38
  is
• 23:39
  in
• 23:39
  that
• 23:39
  check,
• 23:40
  if
• 23:40
  you
• 23:40
  feel
• 23:40
  like
• 23:40
  it's
• 23:41
  close
• 23:41
  but
• 23:41
  not
• 23:41
  quite
• 23:41
  there,
• 23:42
  maybe
• 23:42
  try
• 23:42
  to
• 23:42
  work
• 23:43
  on
• 23:43
  it
• 23:43
  with
• 23:43
  your
• 23:43
  adjuster
• 23:44
  a
• 23:44
  little
• 23:44
  bit.
• 23:45
  But
• 23:45
  if
• 23:45
  you
• 23:45
  were
• 23:45
  offended
• 23:46
  by
• 23:46
  that
• 23:46
  check,
• 23:47
  hire
• 23:48
  a
• 23:48
  public
• 23:48
  adjuster
• 23:49
  or
• 23:49
  hire
• 23:49
  a
• 23:49
  property
• 23:50
  casualty
• 23:50
  lawyer.
• 23:50
  Got
• 23:50
  it?
• 23:52
  That
• 23:52
  makes
• 23:52
  sense.
• 23:54
  And
• 23:54
  that's
• 23:54
  different
• 23:54
  advice
• 23:55
  I've
• 23:55
  given.
• 23:55
  So
• 23:56
  you
• 23:56
  see,
• 23:56
  I'm
• 23:56
  even
• 23:56
  learning
• 23:57
  something
• 23:57
  here.
• 23:57
  So
• 23:58
  that's,
• 23:58
  that's
• 23:58
  great.
• 23:59
  Let
• 23:59
  them
• 23:59
  get
• 23:59
  through
• 23:59
  the
• 23:59
  process.
• 24:00
  And,
• 24:00
  and
• 24:01
  it's
• 24:01
  almost
• 24:01
  like
• 24:01
  when
• 24:01
  you're
• 24:02
  going
• 24:02
  to
• 24:02
  traffic
• 24:02
  court
• 24:03
  right
• 24:03
  now.
• 24:03
  You
• 24:03
  don't,
• 24:04
  you
• 24:04
  don't
• 24:04
  want
• 24:04
  to
• 24:04
  say
• 24:04
  too
• 24:05
  much
• 24:05
  when
• 24:05
  you're
• 24:05
  in
• 24:05
  traffic
• 24:05
  court.
• 24:06
  You
• 24:06
  just
• 24:06
  answer
• 24:07
  the
• 24:07
  questions
• 24:07
  as
• 24:08
  best
• 24:08
  you
• 24:08
  can
• 24:08
  and
• 24:09
  don't
• 24:09
  dig
• 24:09
  yourself
• 24:10
  in
• 24:10
  a
• 24:10
  bigger
• 24:10
  hole.
• 24:13
  Yeah,
• 24:13
  and
• 24:13
  look,
• 24:13
  all
• 24:13
  my
• 24:14
  colleagues
• 24:14
  and
• 24:14
  competitors
• 24:15
  will
• 24:15
  tell
• 24:15
  you,
• 24:15
  even
• 24:15
  people
• 24:16
  within
• 24:16
  my
• 24:16
  office,
• 24:16
  like,
• 24:17
  get
• 24:17
  someone
• 24:18
  immediately.
• 24:18
  And
• 24:19
  that's
• 24:19
  not
• 24:19
  bad
• 24:20
  advice.
• 24:20
  It's
• 24:20
  just
• 24:21
  like
• 24:21
  not
• 24:22
  the
• 24:22
  most
• 24:22
  prudent,
• 24:23
  frugal
• 24:23
  economic
• 24:24
  advice.
• 24:24
  Right?
• 24:25
  Like
• 24:25
  we
• 24:25
  get
• 24:25
  brought
• 24:25
  in
• 24:25
  all
• 24:26
  the
• 24:26
  time
• 24:26
  on
• 24:26
  what
• 24:26
  we
• 24:26
  call
• 24:26
  large
• 24:27
  losses,
• 24:28
  like
• 24:28
  big
• 24:28
  commercial
• 24:29
  buildings.
• 24:30
  Sometimes
• 24:30
  we'll
• 24:30
  get
• 24:30
  the
• 24:30
  call
• 24:31
  before
• 24:31
  the
• 24:31
  agent
• 24:31
  will.
• 24:32
  Right,
• 24:33
  because
• 24:33
  they
• 24:33
  want
• 24:33
  us
• 24:34
  there.
• 24:34
  Well,
• 24:35
  and
• 24:35
  the
• 24:35
  reason
• 24:35
  is
• 24:36
  actually
• 24:36
  not
• 24:36
  because
• 24:36
  they
• 24:36
  don't
• 24:36
  trust
• 24:37
  their
• 24:37
  insurance
• 24:37
  company.
• 24:38
  It's
• 24:38
  because
• 24:38
  for
• 24:38
  them
• 24:39
  it's
• 24:39
  worth
• 24:40
  the
• 24:40
  little
• 24:40
  bit
• 24:40
  we
• 24:40
  charge
• 24:41
  at
• 24:41
  the
• 24:41
  beginning
• 24:42
  to
• 24:42
  make
• 24:42
  sure
• 24:42
  we're
• 24:42
  helping
• 24:43
  guide
• 24:43
  them.
• 24:43
  Like,
• 24:44
  okay,
• 24:44
  you
• 24:44
  don't
• 24:45
  have
• 24:45
  a
• 24:45
  40
• 24:46
  page
• 24:46
  homeowner
• 24:47
  state
• 24:47
  farm
• 24:48
  policy.
• 24:48
  You
• 24:49
  have
• 24:49
  a
• 24:49
  1,000
• 24:50
  page
• 24:50
  Lloyd's
• 24:50
  of
• 24:51
  London
• 24:51
  policy.
• 24:52
  It's
• 24:52
  going
• 24:52
  to
• 24:52
  take
• 24:52
  us
• 24:53
  three
• 24:53
  weeks
• 24:53
  just
• 24:53
  to
• 24:53
  understand
• 24:54
  what
• 24:54
  it
• 24:54
  says.
• 24:55
  And
• 24:55
  you
• 24:55
  have
• 24:55
  all
• 24:56
  these
• 24:56
  duties,
• 24:57
  like,
• 24:57
  right
• 24:57
  after
• 24:58
  a
• 24:58
  loss,
• 24:58
  all
• 24:58
  these
• 24:59
  things
• 24:59
  you
• 24:59
  have
• 24:59
  to
• 24:59
  do.
• 24:59
  So
• 25:00
  before
• 25:00
  you
• 25:00
  just
• 25:01
  go
• 25:01
  hiring
• 25:01
  random
• 25:02
  people
• 25:02
  to
• 25:02
  start
• 25:02
  closing
• 25:03
  things
• 25:03
  and,
• 25:04
  you
• 25:04
  know,
• 25:05
  preventing
• 25:05
  the
• 25:05
  carrier
• 25:06
  from
• 25:06
  like
• 25:06
  actually
• 25:07
  adjusting
• 25:07
  the
• 25:07
  claim,
• 25:08
  we
• 25:08
  can
• 25:08
  kind
• 25:09
  of
• 25:09
  interface
• 25:09
  with
• 25:10
  that
• 25:10
  insurance
• 25:11
  adjuster,
• 25:11
  help
• 25:12
  move
• 25:12
  things
• 25:12
  smoothly.
• 25:13
  But
• 25:13
  it's
• 25:14
  not
• 25:14
  necessary.
• 25:14
  In
• 25:14
  your
• 25:15
  average,
• 25:15
  like,
• 25:16
  I
• 25:16
  had
• 25:16
  a
• 25:16
  pipe
• 25:16
  burst
• 25:17
  and
• 25:17
  there
• 25:17
  was
• 25:18
  a
• 25:18
  little
• 25:18
  bit
• 25:18
  of
• 25:18
  damage.
• 25:18
  Like,
• 25:19
  we'll
• 25:19
  help
• 25:19
  you
• 25:19
  if
• 25:19
  you
• 25:19
  want
• 25:19
  to
• 25:20
  bring
• 25:20
  us
• 25:20
  in
• 25:20
  early,
• 25:20
  but
• 25:21
  it's
• 25:21
  not.
• 25:21
  It's
• 25:21
  not
• 25:21
  usually
• 25:22
  worth
• 25:22
  it.
• 25:22
  Got
• 25:22
  it.
• 25:22
  So
• 25:23
  it's
• 25:23
  smart
• 25:23
  to
• 25:24
  bring
• 25:24
  in
• 25:24
  when
• 25:24
  the
• 25:24
  Home
• 25:24
  Depot
• 25:25
  burns
• 25:25
  to
• 25:25
  the
• 25:25
  ground,
• 25:26
  but
• 25:26
  maybe
• 25:26
  not
• 25:26
  when
• 25:27
  you
• 25:27
  have
• 25:27
  the
• 25:28
  small
• 25:28
  kitchen
• 25:29
  fire
• 25:29
  to
• 25:29
  start.
• 25:31
  Yeah.
• 25:31
  The
• 25:31
  more
• 25:32
  complicated,
• 25:32
  like
• 25:32
  the
• 25:33
  more
• 25:33
  complicated
• 25:33
  the
• 25:33
  structure
• 25:34
  is,
• 25:34
  the
• 25:35
  more
• 25:35
  complicated
• 25:35
  the
• 25:36
  damage
• 25:36
  is,
• 25:36
  the
• 25:36
  more
• 25:36
  likely
• 25:37
  you
• 25:37
  want
• 25:37
  to
• 25:37
  bring
• 25:37
  someone
• 25:37
  in
• 25:38
  early.
• 25:38
  But
• 25:38
  on
• 25:38
  an
• 25:38
  average
• 25:39
  situation
• 25:40
  like
• 25:41
  you,
• 25:41
  you
• 25:42
  have
• 25:42
  a
• 25:42
  good
• 25:42
  gut.
• 25:43
  Right.
• 25:43
  So
• 25:44
  you
• 25:44
  want
• 25:44
  to
• 25:44
  trust
• 25:44
  your
• 25:45
  insurance
• 25:45
  company.
• 25:45
  But
• 25:45
  when
• 25:46
  you.
• 25:46
  When
• 25:46
  you
• 25:47
  get
• 25:47
  that
• 25:47
  check,
• 25:47
  if
• 25:47
  you're
• 25:47
  like,
• 25:48
  you
• 25:48
  know,
• 25:49
  they
• 25:49
  actually
• 25:49
  did
• 25:49
  pretty
• 25:50
  good.
• 25:50
  I'm
• 25:50
  impressed.
• 25:51
  But
• 25:51
  you
• 25:51
  have
• 25:51
  to
• 25:51
  have
• 25:51
  done
• 25:52
  your
• 25:52
  homework
• 25:52
  and
• 25:52
  already
• 25:52
  looked
• 25:53
  at
• 25:53
  everything
• 25:53
  and
• 25:53
  figured
• 25:53
  out
• 25:53
  what
• 25:54
  you're
• 25:54
  owed.
• 25:54
  If
• 25:55
  you're
• 25:55
  pretty
• 25:55
  impressed,
• 25:56
  you're
• 25:56
  probably
• 25:57
  going
• 25:57
  to
• 25:57
  be
• 25:57
  fine.
• 25:57
  That
• 25:57
  makes
• 25:58
  sense.
• 25:58
  If
• 25:58
  you're
• 25:58
  offended,
• 25:59
  it
• 26:00
  doesn't
• 26:00
  usually
• 26:00
  get
• 26:01
  better.
• 26:01
  Right.
• 26:02
  Yeah.
• 26:03
  Okay,
• 26:03
  I'm
• 26:03
  following
• 26:04
  you.
• 26:04
  That
• 26:04
  makes
• 26:04
  sense.
• 26:05
  So
• 26:05
  what
• 26:05
  happens,
• 26:06
  like
• 26:07
  down
• 26:07
  in
• 26:07
  the
• 26:07
  south,
• 26:08
  kind
• 26:08
  of
• 26:08
  where
• 26:08
  you're
• 26:09
  at
• 26:09
  hurricane
• 26:10
  season?
• 26:10
  Right.
• 26:11
  And
• 26:11
  I
• 26:12
  know
• 26:12
  there
• 26:12
  have
• 26:12
  been
• 26:13
  some
• 26:13
  huge
• 26:13
  stories
• 26:14
  that
• 26:14
  I've
• 26:14
  seen
• 26:14
  from
• 26:14
  people
• 26:15
  about
• 26:16
  insurance,
• 26:17
  people
• 26:17
  that
• 26:17
  had
• 26:17
  coverage,
• 26:18
  people
• 26:18
  that
• 26:18
  are
• 26:19
  getting
• 26:19
  dropped.
• 26:20
  What
• 26:20
  are
• 26:20
  you
• 26:20
  seeing
• 26:21
  right
• 26:21
  now
• 26:21
  is
• 26:21
  kind
• 26:21
  of
• 26:21
  an
• 26:21
  update
• 26:22
  in
• 26:22
  the
• 26:22
  industry
• 26:22
  out
• 26:22
  there
• 26:23
  with
• 26:23
  that
• 26:23
  because
• 26:23
  it's
• 26:23
  a
• 26:24
  big
• 26:24
  deal.
• 26:26
  Yeah.
• 26:26
  So
• 26:26
  there's
• 26:27
  kind
• 26:27
  of.
• 26:27
  There's
• 26:27
  a
• 26:27
  few
• 26:27
  things
• 26:28
  happening
• 26:28
  at
• 26:28
  once.
• 26:29
  Some
• 26:30
  of
• 26:30
  them
• 26:31
  make
• 26:32
  a
• 26:32
  lot
• 26:32
  of
• 26:32
  sense,
• 26:32
  and
• 26:32
  some
• 26:32
  of
• 26:33
  them,
• 26:33
  in
• 26:33
  my
• 26:33
  opinion,
• 26:33
  are
• 26:33
  just
• 26:34
  inappropriate.
• 26:34
  So
• 26:35
  the
• 26:35
  first
• 26:35
  thing
• 26:35
  that's
• 26:36
  going
• 26:36
  on,
• 26:36
  which
• 26:36
  is
• 26:36
  normal
• 26:37
  after
• 26:37
  any
• 26:37
  big
• 26:37
  loss,
• 26:38
  is
• 26:39
  these
• 26:39
  insurance
• 26:39
  companies
• 26:40
  have
• 26:40
  actuarial
• 26:41
  tables
• 26:41
  that
• 26:41
  basically
• 26:42
  say,
• 26:42
  based
• 26:43
  on
• 26:43
  the
• 26:43
  average
• 26:43
  rate
• 26:44
  of,
• 26:44
  like,
• 26:44
  when
• 26:44
  bad
• 26:45
  things
• 26:45
  happen
• 26:45
  and
• 26:45
  what
• 26:46
  your
• 26:46
  exposure
• 26:46
  is,
• 26:47
  if
• 26:47
  you
• 26:47
  charge
• 26:48
  X,
• 26:48
  you
• 26:49
  know,
• 26:49
  and
• 26:49
  you
• 26:49
  bring
• 26:49
  in
• 26:50
  Y,
• 26:50
  you
• 26:50
  will
• 26:51
  still
• 26:51
  make
• 26:51
  money
• 26:52
  even
• 26:52
  after
• 26:52
  paying
• 26:53
  all
• 26:53
  your
• 26:53
  claims
• 26:53
  fairly.
• 26:53
  Right.
• 26:54
  Man,
• 26:55
  a
• 26:55
  bunch
• 26:55
  of
• 26:55
  big
• 26:55
  hurricanes
• 26:56
  in
• 26:56
  a
• 26:56
  row
• 26:56
  really
• 26:56
  mess
• 26:56
  up
• 26:57
  that
• 26:57
  table
• 26:57
  and
• 26:57
  make
• 26:58
  that
• 26:58
  table
• 26:58
  a
• 26:58
  little
• 26:58
  inaccurate.
• 26:59
  So
• 27:00
  some
• 27:00
  carriers
• 27:00
  are
• 27:00
  having
• 27:01
  problems
• 27:01
  because,
• 27:02
  you
• 27:02
  know,
• 27:02
  they
• 27:02
  get
• 27:02
  their
• 27:02
  own
• 27:03
  insurance,
• 27:03
  they
• 27:03
  actually
• 27:03
  purchase
• 27:04
  their
• 27:04
  own
• 27:04
  insurance.
• 27:05
  So
• 27:05
  if
• 27:05
  they
• 27:05
  ever
• 27:06
  have
• 27:06
  to
• 27:06
  pay
• 27:06
  you,
• 27:07
  they
• 27:07
  have
• 27:07
  an
• 27:07
  insurance
• 27:07
  company
• 27:08
  to
• 27:08
  pay
• 27:08
  them.
• 27:10
  But
• 27:10
  it's
• 27:10
  expensive.
• 27:11
  It's
• 27:11
  a
• 27:11
  line
• 27:11
  item
• 27:12
  they
• 27:12
  don't
• 27:12
  want.
• 27:12
  They
• 27:13
  want
• 27:13
  that
• 27:13
  money
• 27:13
  for
• 27:14
  bonuses
• 27:14
  and
• 27:14
  profits
• 27:15
  and
• 27:15
  salaries
• 27:16
  and
• 27:16
  all
• 27:16
  that
• 27:16
  fun
• 27:16
  stuff.
• 27:17
  So
• 27:17
  there
• 27:18
  has
• 27:18
  been
• 27:18
  a
• 27:18
  trend
• 27:18
  over
• 27:19
  the
• 27:19
  last,
• 27:19
  like,
• 27:19
  decade
• 27:20
  to
• 27:21
  buy
• 27:21
  less
• 27:21
  and
• 27:22
  less
• 27:22
  and
• 27:22
  less
• 27:22
  what
• 27:23
  we
• 27:23
  call
• 27:23
  reinsurance.
• 27:24
  And
• 27:24
  the
• 27:24
  state
• 27:25
  regulators
• 27:26
  have
• 27:26
  been
• 27:26
  letting
• 27:26
  them
• 27:26
  get
• 27:27
  away
• 27:27
  with
• 27:27
  that
• 27:28
  because
• 27:28
  they
• 27:28
  keep
• 27:28
  saying,
• 27:29
  oh,
• 27:29
  you
• 27:29
  know,
• 27:29
  if
• 27:29
  you
• 27:29
  want
• 27:30
  us
• 27:30
  in
• 27:30
  your
• 27:30
  state,
• 27:31
  you
• 27:31
  need
• 27:31
  to
• 27:31
  lower
• 27:32
  your
• 27:32
  reinsurance
• 27:33
  requirements.
• 27:34
  So
• 27:34
  we
• 27:34
  kind
• 27:34
  of
• 27:34
  reached
• 27:35
  this
• 27:35
  really
• 27:35
  nasty
• 27:35
  place
• 27:36
  a
• 27:36
  couple
• 27:36
  of
• 27:36
  years
• 27:36
  ago
• 27:37
  where
• 27:37
  most
• 27:37
  of
• 27:37
  these
• 27:38
  smaller
• 27:39
  carriers,
• 27:39
  like
• 27:39
  the
• 27:40
  big,
• 27:40
  big
• 27:40
  carriers,
• 27:41
  they
• 27:41
  weren't
• 27:41
  in
• 27:41
  that
• 27:41
  position,
• 27:42
  but
• 27:42
  the
• 27:42
  smaller
• 27:42
  carriers
• 27:43
  didn't
• 27:43
  have
• 27:44
  enough
• 27:44
  insurance
• 27:45
  to
• 27:45
  cover
• 27:45
  their
• 27:46
  prospective
• 27:46
  losses,
• 27:47
  and
• 27:47
  they
• 27:48
  didn't
• 27:48
  keep
• 27:48
  cash
• 27:48
  reserves
• 27:49
  to
• 27:49
  really
• 27:49
  pay
• 27:49
  what
• 27:49
  they
• 27:50
  needed
• 27:50
  to
• 27:50
  pay.
• 27:51
  So
• 27:51
  suddenly
• 27:52
  they're
• 27:52
  getting
• 27:52
  sued
• 27:52
  everywhere.
• 27:53
  They're,
• 27:53
  you
• 27:53
  know,
• 27:53
  they're
• 27:54
  getting
• 27:54
  all
• 27:54
  these
• 27:54
  demands
• 27:55
  and
• 27:55
  they
• 27:55
  just
• 27:55
  kind
• 27:55
  of
• 27:55
  cave.
• 27:56
  Wow,
• 27:56
  now
• 27:56
  there's
• 27:57
  a
• 27:57
  little
• 27:57
  substory
• 27:57
  to
• 27:58
  that,
• 27:58
  which
• 27:58
  is
• 27:58
  really
• 27:59
  sad.
• 27:59
  So,
• 28:00
  first
• 28:00
  of
• 28:00
  all,
• 28:00
  usually
• 28:00
  when
• 28:00
  that
• 28:00
  happens,
• 28:01
  the
• 28:01
  state
• 28:01
  will
• 28:01
  pick
• 28:02
  that
• 28:02
  up
• 28:02
  and
• 28:02
  take
• 28:02
  care
• 28:02
  of
• 28:02
  that
• 28:03
  for
• 28:03
  you.
• 28:04
  You
• 28:05
  know,
• 28:05
  they
• 28:05
  have
• 28:05
  different,
• 28:05
  what
• 28:06
  we
• 28:06
  call
• 28:06
  guarantee
• 28:06
  associations
• 28:07
  designed
• 28:08
  to
• 28:08
  make
• 28:08
  sure
• 28:08
  their
• 28:08
  citizens
• 28:09
  don't
• 28:09
  go
• 28:09
  homeless
• 28:10
  as
• 28:10
  a
• 28:10
  result
• 28:10
  of,
• 28:11
  you
• 28:11
  know,
• 28:11
  a
• 28:11
  carrier
• 28:12
  going
• 28:12
  under.
• 28:13
  There
• 28:13
  are
• 28:13
  some
• 28:14
  penalties
• 28:14
  and
• 28:14
  consequences
• 28:15
  of
• 28:15
  that,
• 28:15
  but
• 28:15
  nevertheless,
• 28:16
  you'll
• 28:16
  probably
• 28:16
  be
• 28:16
  okay.
• 28:17
  But,
• 28:18
  you
• 28:18
  know,
• 28:18
  the
• 28:18
  sad
• 28:18
  part
• 28:18
  of
• 28:18
  this
• 28:19
  story,
• 28:19
  and
• 28:19
  it's
• 28:19
  starting
• 28:19
  to
• 28:20
  come
• 28:20
  out,
• 28:21
  is
• 28:22
  bonuses
• 28:22
  paid
• 28:22
  to
• 28:23
  these
• 28:23
  people
• 28:23
  right
• 28:23
  before
• 28:24
  they
• 28:24
  went
• 28:24
  under,
• 28:25
  subsidiaries
• 28:26
  being
• 28:26
  created
• 28:27
  to
• 28:27
  funnel
• 28:27
  money
• 28:28
  out
• 28:28
  of
• 28:28
  the
• 28:28
  company.
• 28:29
  So
• 28:29
  there's
• 28:30
  been
• 28:30
  a
• 28:30
  number
• 28:30
  of
• 28:30
  these
• 28:30
  small
• 28:31
  carriers
• 28:31
  that
• 28:31
  have
• 28:31
  gone
• 28:32
  under
• 28:32
  where,
• 28:33
  you
• 28:33
  know,
• 28:33
  at
• 28:33
  least
• 28:33
  on
• 28:34
  my
• 28:34
  side
• 28:34
  of
• 28:34
  the
• 28:34
  industry,
• 28:35
  we
• 28:35
  kind
• 28:35
  of
• 28:35
  feel
• 28:35
  like
• 28:35
  they
• 28:36
  didn't
• 28:36
  have
• 28:36
  to
• 28:36
  go
• 28:36
  under,
• 28:37
  they
• 28:37
  chose
• 28:38
  to
• 28:38
  go
• 28:38
  under
• 28:39
  and
• 28:39
  they
• 28:39
  kind
• 28:39
  of
• 28:39
  funneled
• 28:40
  money
• 28:40
  out
• 28:40
  on
• 28:40
  purpose.
• 28:42
  That's.
• 28:42
  I
• 28:42
  think
• 28:42
  you're
• 28:43
  going
• 28:43
  to
• 28:43
  see
• 28:43
  a
• 28:43
  lot
• 28:43
  of
• 28:43
  that
• 28:43
  over
• 28:43
  the
• 28:44
  next
• 28:44
  two
• 28:44
  years.
• 28:44
  You're
• 28:44
  going
• 28:44
  to
• 28:45
  see
• 28:45
  a
• 28:45
  lot
• 28:45
  of
• 28:45
  investigations.
• 28:46
  Some
• 28:47
  of
• 28:47
  the
• 28:47
  articles
• 28:47
  are
• 28:47
  already
• 28:48
  coming
• 28:48
  out.
• 28:48
  And
• 28:49
  then
• 28:49
  the
• 28:49
  final
• 28:49
  thing
• 28:49
  that's
• 28:49
  going
• 28:50
  on
• 28:50
  is
• 28:51
  this
• 28:51
  is
• 28:51
  normal.
• 28:52
  Like,
• 28:52
  when
• 28:53
  you
• 28:53
  hear
• 28:53
  about
• 28:53
  insurance
• 28:53
  companies
• 28:54
  going
• 28:54
  under,
• 28:54
  you
• 28:54
  just
• 28:55
  need
• 28:55
  to
• 28:55
  take
• 28:55
  a
• 28:55
  deep
• 28:55
  breath.
• 28:56
  This
• 28:56
  happens
• 28:56
  anytime
• 28:57
  there's
• 28:57
  a
• 28:57
  bunch
• 28:57
  of
• 28:57
  big
• 28:58
  events
• 28:58
  like,
• 28:59
  go
• 28:59
  back,
• 28:59
  look
• 28:59
  at
• 28:59
  Katrina
• 29:00
  years,
• 29:00
  this
• 29:01
  happens.
• 29:01
  It
• 29:02
  just
• 29:02
  does.
• 29:02
  And
• 29:03
  Mother
• 29:03
  Nature
• 29:03
  is
• 29:04
  not
• 29:04
  getting
• 29:05
  better.
• 29:05
  Not
• 29:06
  going
• 29:06
  to
• 29:06
  get
• 29:06
  political
• 29:06
  about
• 29:07
  why,
• 29:07
  but
• 29:07
  it's
• 29:08
  not,
• 29:08
  you
• 29:09
  know,
• 29:09
  almost
• 29:09
  like
• 29:09
  the
• 29:10
  climate
• 29:10
  might
• 29:10
  be
• 29:10
  changing.
• 29:11
  So
• 29:12
  anyway,
• 29:12
  it's
• 29:12
  not
• 29:13
  getting
• 29:13
  better,
• 29:13
  it's
• 29:13
  going
• 29:14
  to
• 29:14
  get
• 29:14
  worse.
• 29:15
  So
• 29:15
  just
• 29:15
  breathe
• 29:16
  but,
• 29:16
  you
• 29:16
  know,
• 29:16
  also
• 29:17
  don't
• 29:17
  buy
• 29:17
  into
• 29:17
  the
• 29:17
  hype.
• 29:18
  So
• 29:18
  the
• 29:18
  other
• 29:19
  thing
• 29:19
  going
• 29:19
  on
• 29:21
  is
• 29:21
  keep
• 29:22
  in
• 29:22
  mind,
• 29:22
  like
• 29:23
  legislating
• 29:24
  government,
• 29:24
  it's
• 29:24
  all
• 29:25
  big
• 29:25
  business.
• 29:25
  Right.
• 29:26
  And,
• 29:26
  and
• 29:27
  that's
• 29:27
  not,
• 29:28
  not
• 29:28
  pointing
• 29:28
  the
• 29:28
  finger
• 29:29
  at
• 29:29
  them
• 29:29
  unfairly.
• 29:29
  Every
• 29:30
  industry
• 29:31
  pays
• 29:32
  lobbyists
• 29:33
  to
• 29:33
  get
• 29:33
  things
• 29:33
  passed
• 29:34
  that
• 29:34
  help
• 29:34
  them.
• 29:35
  And
• 29:35
  one
• 29:35
  of
• 29:36
  the
• 29:36
  things
• 29:36
  that
• 29:36
  insurance
• 29:36
  companies
• 29:37
  do
• 29:37
  not
• 29:37
  like
• 29:38
  is
• 29:39
  the
• 29:39
  ability
• 29:39
  of
• 29:39
  private
• 29:40
  citizens
• 29:40
  to
• 29:40
  really
• 29:41
  sue
• 29:41
  them
• 29:41
  on
• 29:41
  underpaid
• 29:42
  claims.
• 29:42
  True.
• 29:43
  And
• 29:44
  because
• 29:44
  it
• 29:44
  doesn't
• 29:44
  make
• 29:45
  economic
• 29:45
  sense,
• 29:46
  if
• 29:46
  so,
• 29:47
  one
• 29:47
  of
• 29:47
  the
• 29:47
  things
• 29:47
  they
• 29:48
  really
• 29:48
  want
• 29:48
  to
• 29:48
  do
• 29:48
  is
• 29:49
  pass
• 29:49
  laws
• 29:49
  that
• 29:49
  keep
• 29:49
  the
• 29:50
  public
• 29:50
  adjusters
• 29:51
  and
• 29:51
  the
• 29:51
  attorneys
• 29:52
  away
• 29:53
  from
• 29:53
  being
• 29:54
  able
• 29:54
  to
• 29:54
  help.
• 29:54
  So
• 29:55
  we
• 29:55
  have
• 29:55
  what
• 29:55
  we
• 29:55
  call
• 29:55
  bad
• 29:56
  faith
• 29:56
  states.
• 29:57
  In
• 29:57
  states
• 29:57
  where
• 29:57
  there's
• 29:58
  bad
• 29:58
  faith,
• 29:59
  even
• 29:59
  if
• 30:00
  you
• 30:00
  have
• 30:00
  a
• 30:00
  little
• 30:01
  $15,000
• 30:02
  roof
• 30:02
  claim
• 30:03
  from
• 30:03
  your
• 30:03
  double
• 30:03
  wide,
• 30:04
  and
• 30:04
  you,
• 30:05
  and
• 30:05
  let's
• 30:05
  face
• 30:05
  it,
• 30:05
  you
• 30:05
  are
• 30:06
  then
• 30:06
  the
• 30:06
  most
• 30:06
  susceptible
• 30:07
  population
• 30:08
  because
• 30:08
  you
• 30:08
  do
• 30:08
  not
• 30:08
  have
• 30:08
  money
• 30:09
  to
• 30:09
  replace
• 30:09
  that
• 30:09
  double
• 30:10
  wide.
• 30:10
  You
• 30:10
  don't,
• 30:11
  you
• 30:11
  know,
• 30:12
  usually
• 30:13
  an
• 30:14
  attorney
• 30:14
  will
• 30:14
  still
• 30:14
  take
• 30:15
  your
• 30:15
  case
• 30:16
  and
• 30:16
  they'll
• 30:16
  still
• 30:16
  take
• 30:17
  your
• 30:17
  case
• 30:17
  because
• 30:17
  if
• 30:18
  they
• 30:18
  can
• 30:18
  prove
• 30:18
  the
• 30:18
  carrier
• 30:19
  was
• 30:19
  inappropriate,
• 30:20
  depending
• 30:21
  on
• 30:21
  the
• 30:21
  standard,
• 30:21
  they
• 30:22
  can
• 30:22
  get
• 30:22
  all
• 30:22
  their
• 30:22
  attorney
• 30:23
  fees
• 30:23
  paid
• 30:23
  so
• 30:23
  they
• 30:23
  can
• 30:23
  go
• 30:24
  get
• 30:24
  you
• 30:24
  your
• 30:24
  15
• 30:25
  grand.
• 30:25
  And
• 30:26
  even
• 30:26
  if
• 30:26
  the
• 30:26
  carrier
• 30:27
  makes
• 30:27
  them
• 30:27
  fight
• 30:27
  for
• 30:27
  six
• 30:28
  years,
• 30:28
  they
• 30:29
  can
• 30:29
  go
• 30:29
  get
• 30:29
  their
• 30:30
  hourly
• 30:30
  like
• 30:30
  amount
• 30:31
  to
• 30:31
  take
• 30:31
  care
• 30:31
  of
• 30:31
  that.
• 30:32
  So
• 30:32
  it
• 30:32
  creates
• 30:33
  an
• 30:33
  environment
• 30:34
  where
• 30:34
  the
• 30:34
  carrier
• 30:35
  has
• 30:35
  no
• 30:36
  real
• 30:36
  incentive
• 30:37
  to
• 30:37
  screw
• 30:37
  you
• 30:37
  over
• 30:37
  if
• 30:37
  you
• 30:38
  hire
• 30:38
  an
• 30:38
  attorney.
• 30:39
  Right.
• 30:40
  That's
• 30:40
  not.
• 30:40
  I.
• 30:41
  Because
• 30:41
  they,
• 30:42
  you
• 30:42
  have
• 30:42
  a
• 30:42
  $15,000
• 30:43
  claim,
• 30:44
  but
• 30:44
  you
• 30:44
  got
• 30:44
  $150,000
• 30:46
  in
• 30:46
  insurance.
• 30:47
  They're,
• 30:48
  they're
• 30:48
  better
• 30:48
  to
• 30:48
  pay
• 30:49
  20
• 30:49
  and
• 30:49
  get
• 30:49
  that
• 30:50
  done.
• 30:51
  It's
• 30:51
  really
• 30:51
  simple,
• 30:52
  100%.
• 30:53
  But
• 30:54
  the
• 30:54
  highest
• 30:55
  profit
• 30:55
  margin
• 30:55
  is
• 30:55
  really
• 30:56
  in
• 30:56
  screwing
• 30:56
  over
• 30:56
  those
• 30:56
  small
• 30:57
  claims.
• 30:57
  If
• 30:57
  you're
• 30:58
  in
• 30:58
  a
• 30:58
  state
• 30:58
  where
• 30:58
  there's
• 30:58
  no
• 30:59
  attorneys,
• 30:59
  no
• 31:00
  public
• 31:00
  adjusters
• 31:00
  that'll
• 31:01
  get
• 31:01
  involved
• 31:01
  because
• 31:02
  those
• 31:02
  people
• 31:02
  won't
• 31:03
  hire
• 31:03
  an
• 31:03
  attorney
• 31:04
  on
• 31:04
  an
• 31:04
  hourly
• 31:04
  basis
• 31:05
  to
• 31:05
  fight
• 31:05
  you
• 31:05
  because
• 31:06
  they
• 31:06
  can't
• 31:06
  afford
• 31:06
  it.
• 31:07
  And
• 31:08
  no
• 31:08
  attorney
• 31:09
  is
• 31:09
  going
• 31:09
  to
• 31:09
  take
• 31:09
  it
• 31:09
  on
• 31:09
  contingency
• 31:11
  because
• 31:11
  they'll
• 31:11
  say,
• 31:11
  well,
• 31:11
  if
• 31:12
  I
• 31:12
  charge
• 31:12
  a
• 31:12
  third,
• 31:13
  I'll
• 31:13
  fight
• 31:13
  for
• 31:13
  six
• 31:14
  years,
• 31:14
  work
• 31:14
  my
• 31:14
  rear
• 31:15
  end
• 31:15
  off
• 31:15
  and
• 31:15
  make
• 31:15
  five
• 31:15
  grand,
• 31:16
  and
• 31:16
  then
• 31:16
  I'll
• 31:16
  be
• 31:17
  homeless.
• 31:17
  Right.
• 31:18
  Yeah.
• 31:18
  So
• 31:18
  makes
• 31:19
  no
• 31:19
  sense.
• 31:19
  So
• 31:19
  they
• 31:20
  just
• 31:20
  can't
• 31:20
  do
• 31:20
  it.
• 31:20
  So
• 31:21
  that's
• 31:21
  the
• 31:21
  other
• 31:21
  thing
• 31:21
  going
• 31:22
  on
• 31:22
  is
• 31:23
  there's
• 31:23
  a
• 31:23
  lot
• 31:23
  of
• 31:23
  pressure
• 31:24
  on
• 31:24
  the
• 31:24
  legislatures
• 31:25
  to
• 31:25
  say,
• 31:26
  oh,
• 31:26
  you
• 31:26
  know,
• 31:27
  these
• 31:27
  carriers
• 31:27
  are
• 31:27
  going
• 31:28
  under.
• 31:28
  So
• 31:28
  that
• 31:28
  what
• 31:28
  we
• 31:29
  really
• 31:29
  need
• 31:29
  to
• 31:29
  do
• 31:29
  to
• 31:29
  stop
• 31:30
  that
• 31:30
  is
• 31:30
  we
• 31:31
  need
• 31:31
  to
• 31:31
  get
• 31:31
  rid
• 31:31
  of
• 31:31
  all
• 31:32
  the
• 31:32
  protections
• 31:32
  for
• 31:32
  the
• 31:32
  consumer.
• 31:33
  So
• 31:33
  like
• 31:33
  Florida
• 31:34
  is
• 31:34
  a
• 31:34
  great
• 31:34
  example.
• 31:35
  Florida
• 31:35
  just
• 31:36
  eliminated
• 31:36
  almost
• 31:37
  Every
• 31:37
  single
• 31:38
  consumer
• 31:38
  protection
• 31:39
  out
• 31:39
  there
• 31:39
  for
• 31:40
  homeowners
• 31:42
  going
• 31:42
  forward,
• 31:43
  like,
• 31:43
  there's
• 31:43
  no
• 31:43
  bad
• 31:44
  faith,
• 31:44
  there's
• 31:44
  no
• 31:45
  attorney
• 31:45
  fees.
• 31:45
  It
• 31:46
  was
• 31:46
  cute
• 31:46
  the
• 31:46
  way
• 31:46
  they
• 31:46
  did
• 31:46
  it
• 31:47
  because
• 31:47
  they
• 31:47
  added
• 31:48
  all
• 31:48
  these
• 31:48
  requirements
• 31:49
  for
• 31:49
  insurance
• 31:49
  companies
• 31:49
  to
• 31:50
  behave
• 31:50
  better,
• 31:51
  but
• 31:51
  they
• 31:51
  took
• 31:51
  away
• 31:52
  the
• 31:52
  ability
• 31:52
  for
• 31:53
  the
• 31:53
  private
• 31:53
  citizens
• 31:53
  to
• 31:54
  enforce
• 31:54
  it.
• 31:55
  And
• 31:55
  most
• 31:55
  insurance
• 31:55
  commissioners
• 31:56
  are
• 31:56
  from
• 31:56
  the
• 31:56
  insurance
• 31:57
  industry.
• 31:57
  They're
• 31:58
  not
• 31:58
  from
• 31:58
  the
• 31:58
  consumer
• 31:59
  industry.
• 31:59
  So
• 32:00
  that's
• 32:00
  where
• 32:00
  they
• 32:00
  learned.
• 32:01
  Yeah,
• 32:01
  that's
• 32:01
  where
• 32:01
  they
• 32:01
  learned,
• 32:02
  and
• 32:02
  that's
• 32:02
  who
• 32:02
  they
• 32:02
  are.
• 32:02
  And
• 32:03
  a
• 32:03
  lot
• 32:03
  of
• 32:03
  them
• 32:03
  are
• 32:03
  elected
• 32:04
  and
• 32:05
  the
• 32:05
  insurance
• 32:05
  companies
• 32:05
  are
• 32:06
  funding
• 32:06
  those
• 32:06
  campaigns.
• 32:07
  If
• 32:07
  I
• 32:08
  ran
• 32:08
  for
• 32:08
  insurance
• 32:08
  commissioner
• 32:09
  in
• 32:09
  Louisiana
• 32:09
  right
• 32:10
  now,
• 32:10
  I
• 32:10
  guarantee
• 32:11
  you
• 32:11
  every
• 32:11
  insurance
• 32:12
  company
• 32:12
  would
• 32:12
  put
• 32:13
  millions
• 32:13
  behind
• 32:13
  stopping
• 32:14
  me
• 32:15
  because.
• 32:16
  Because
• 32:16
  they
• 32:16
  know
• 32:17
  I'll
• 32:17
  hold
• 32:17
  them
• 32:17
  all
• 32:17
  accountable.
• 32:18
  Right.
• 32:19
  I
• 32:19
  don't
• 32:19
  think
• 32:20
  I'd
• 32:20
  ever
• 32:20
  be
• 32:20
  able
• 32:20
  to
• 32:20
  raise.
• 32:21
  Right.
• 32:21
  Yeah.
• 32:22
  I
• 32:22
  mean,
• 32:22
  well,
• 32:22
  they
• 32:22
  just.
• 32:23
  They
• 32:23
  know
• 32:24
  that
• 32:24
  I
• 32:24
  won't
• 32:24
  be
• 32:25
  on
• 32:25
  their
• 32:25
  side.
• 32:26
  I
• 32:26
  won't
• 32:26
  be
• 32:26
  against
• 32:27
  them.
• 32:27
  But
• 32:27
  if
• 32:27
  I
• 32:28
  see
• 32:28
  consumers
• 32:28
  getting
• 32:28
  screwed
• 32:29
  over,
• 32:29
  I'm
• 32:30
  going
• 32:30
  to
• 32:30
  enforce
• 32:30
  the
• 32:31
  laws.
• 32:31
  Right.
• 32:32
  So
• 32:32
  they
• 32:33
  make
• 32:33
  sure
• 32:33
  they
• 32:33
  have
• 32:33
  someone
• 32:34
  that
• 32:34
  they
• 32:34
  think
• 32:34
  is
• 32:34
  going
• 32:34
  to
• 32:35
  be
• 32:35
  friendly
• 32:36
  there.
• 32:37
  So
• 32:37
  that's
• 32:37
  kind
• 32:37
  of
• 32:37
  the
• 32:37
  other
• 32:37
  thing
• 32:38
  that's
• 32:38
  going
• 32:38
  on.
• 32:38
  And
• 32:39
  I
• 32:39
  think
• 32:39
  that's
• 32:39
  unfortunate.
• 32:40
  You
• 32:40
  can
• 32:41
  expect
• 32:41
  to
• 32:41
  see
• 32:41
  that
• 32:41
  in
• 32:42
  a
• 32:42
  bunch
• 32:42
  of
• 32:42
  states
• 32:42
  this
• 32:43
  year.
• 32:43
  Louisiana
• 32:44
  will
• 32:44
  be
• 32:44
  next.
• 32:45
  That's
• 32:45
  happening
• 32:45
  in
• 32:46
  a
• 32:46
  couple
• 32:46
  of
• 32:46
  months.
• 32:46
  I
• 32:47
  think
• 32:47
  you
• 32:47
  can
• 32:47
  expect
• 32:47
  to
• 32:47
  see
• 32:47
  Louisiana
• 32:49
  propose
• 32:49
  a
• 32:49
  bill
• 32:50
  package
• 32:50
  that
• 32:50
  will
• 32:50
  eradicate
• 32:51
  all
• 32:51
  consumer
• 32:52
  protections
• 32:52
  for
• 32:53
  them.
• 32:53
  They
• 32:53
  even
• 32:53
  want
• 32:54
  to
• 32:54
  add
• 32:54
  bills
• 32:54
  that
• 32:54
  say
• 32:55
  if
• 32:55
  you
• 32:55
  lose
• 32:55
  against
• 32:56
  your
• 32:56
  insurance
• 32:56
  company,
• 32:57
  you
• 32:57
  owe
• 32:57
  them
• 32:57
  money,
• 32:59
  which
• 33:00
  has
• 33:00
  never
• 33:00
  been
• 33:00
  like
• 33:00
  that.
• 33:01
  And
• 33:01
  once
• 33:01
  Louisiana
• 33:02
  and
• 33:02
  a
• 33:02
  couple
• 33:02
  other
• 33:03
  Southern
• 33:03
  states
• 33:03
  pick
• 33:03
  it
• 33:04
  up,
• 33:04
  I
• 33:04
  think
• 33:04
  you'll
• 33:04
  see
• 33:04
  national
• 33:05
  legislation
• 33:06
  packages
• 33:06
  just
• 33:06
  in
• 33:07
  every
• 33:07
  state.
• 33:08
  So
• 33:08
  that's
• 33:08
  the
• 33:09
  current
• 33:09
  thing
• 33:09
  that
• 33:10
  consumers
• 33:10
  are
• 33:10
  dealing
• 33:11
  with
• 33:11
  that
• 33:11
  they
• 33:11
  don't
• 33:11
  really
• 33:11
  realize
• 33:12
  they're
• 33:13
  dealing
• 33:13
  with.
• 33:15
  So
• 33:15
  everybody
• 33:15
  out
• 33:16
  there,
• 33:16
  pay
• 33:16
  attention
• 33:16
  to
• 33:17
  what's
• 33:17
  going
• 33:17
  on
• 33:17
  in
• 33:17
  your
• 33:17
  local
• 33:18
  legislature,
• 33:18
  because
• 33:19
  if
• 33:20
  you
• 33:20
  have
• 33:20
  a
• 33:20
  claim,
• 33:21
  they
• 33:21
  could
• 33:21
  be
• 33:21
  pulling
• 33:22
  some
• 33:22
  serious
• 33:22
  money
• 33:23
  out
• 33:23
  of
• 33:23
  your
• 33:23
  pocket
• 33:23
  that
• 33:24
  you
• 33:24
  would
• 33:24
  legitimately
• 33:25
  be
• 33:25
  owed
• 33:26
  and
• 33:26
  tie
• 33:26
  your
• 33:27
  hands
• 33:27
  behind
• 33:27
  your
• 33:27
  back
• 33:28
  where
• 33:28
  you
• 33:28
  couldn't
• 33:28
  fight
• 33:28
  for
• 33:29
  it.
• 33:29
  Yeah.
• 33:30
  You
• 33:30
  know,
• 33:30
  and
• 33:30
  it
• 33:30
  doesn't
• 33:30
  have
• 33:31
  to
• 33:31
  be
• 33:31
  us
• 33:31
  versus
• 33:31
  them.
• 33:32
  Like
• 33:32
  I'm
• 33:32
  not
• 33:32
  telling
• 33:32
  you.
• 33:33
  You
• 33:33
  should
• 33:33
  love,
• 33:33
  love
• 33:34
  trial
• 33:34
  lawyers.
• 33:34
  Lots
• 33:35
  of
• 33:35
  people
• 33:35
  hate
• 33:35
  lawyers.
• 33:36
  That's
• 33:36
  not
• 33:36
  a
• 33:36
  big
• 33:36
  deal
• 33:37
  to
• 33:37
  me.
• 33:37
  It
• 33:37
  doesn't
• 33:37
  hurt
• 33:38
  my
• 33:38
  feelings.
• 33:39
  But,
• 33:39
  you
• 33:39
  know,
• 33:40
  I
• 33:40
  will
• 33:40
  say
• 33:41
  just
• 33:41
  general
• 33:41
  advice.
• 33:42
  If
• 33:42
  you
• 33:42
  see
• 33:43
  a
• 33:43
  bill
• 33:43
  come
• 33:44
  up,
• 33:44
  ask
• 33:45
  yourself
• 33:45
  what
• 33:45
  it's
• 33:45
  about.
• 33:46
  Don't
• 33:46
  just
• 33:46
  trust
• 33:47
  whoever's
• 33:47
  putting
• 33:47
  it
• 33:47
  forward.
• 33:48
  And
• 33:48
  if
• 33:49
  you.
• 33:49
  This
• 33:49
  is
• 33:50
  a
• 33:50
  great
• 33:50
  thing
• 33:50
  to
• 33:50
  do.
• 33:50
  It's
• 33:50
  actually
• 33:51
  fun
• 33:51
  I,
• 33:52
  I
• 33:52
  promise
• 33:52
  you'll
• 33:52
  enjoy
• 33:52
  it.
• 33:53
  You
• 33:53
  know,
• 33:54
  figure
• 33:54
  out
• 33:54
  who
• 33:54
  your
• 33:54
  local
• 33:55
  reps
• 33:55
  are
• 33:55
  for
• 33:55
  your
• 33:55
  state
• 33:56
  legislature,
• 33:57
  not
• 33:57
  just
• 33:57
  your
• 33:57
  federal.
• 33:58
  Everyone
• 33:58
  knows
• 33:58
  who
• 33:58
  their
• 33:59
  congressman
• 33:59
  and
• 33:59
  their
• 33:59
  senator
• 34:00
  is.
• 34:00
  Who's
• 34:00
  your
• 34:00
  state
• 34:00
  congressperson.
• 34:01
  Right.
• 34:02
  Figure
• 34:03
  that
• 34:03
  out.
• 34:03
  Call
• 34:04
  them,
• 34:04
  email
• 34:05
  them.
• 34:05
  You'll
• 34:06
  be
• 34:06
  amazed
• 34:06
  at
• 34:06
  how
• 34:07
  much
• 34:07
  more
• 34:07
  responsive
• 34:07
  they
• 34:08
  are
• 34:08
  than
• 34:08
  the
• 34:08
  feds.
• 34:09
  Like
• 34:09
  way
• 34:09
  more
• 34:10
  responsive.
• 34:11
  They'll
• 34:11
  actually
• 34:11
  write
• 34:12
  you,
• 34:12
  call
• 34:12
  you.
• 34:12
  Thank
• 34:13
  you.
• 34:13
  Have
• 34:13
  a
• 34:13
  real
• 34:13
  conversation
• 34:14
  with
• 34:14
  you.
• 34:15
  And
• 34:15
  if
• 34:15
  you
• 34:15
  see
• 34:15
  something
• 34:15
  about
• 34:16
  insurance,
• 34:16
  just
• 34:16
  be
• 34:16
  like,
• 34:16
  hey,
• 34:17
  you
• 34:17
  know,
• 34:17
  my
• 34:18
  number
• 34:18
  one
• 34:18
  fear
• 34:19
  is
• 34:19
  that
• 34:19
  I
• 34:19
  pay
• 34:19
  for
• 34:20
  insurance,
• 34:20
  I
• 34:20
  don't
• 34:21
  get
• 34:21
  paid
• 34:21
  fairly,
• 34:22
  and
• 34:22
  then
• 34:22
  I
• 34:22
  have
• 34:23
  no
• 34:23
  way
• 34:23
  to
• 34:23
  get
• 34:23
  paid
• 34:23
  fairly
• 34:24
  because
• 34:24
  no
• 34:24
  one
• 34:24
  will
• 34:24
  take
• 34:25
  my
• 34:25
  case.
• 34:26
  What
• 34:26
  can
• 34:26
  you
• 34:26
  do
• 34:26
  to
• 34:26
  help
• 34:27
  me?
• 34:27
  And
• 34:28
  we
• 34:28
  found
• 34:28
  that
• 34:28
  those
• 34:29
  kind
• 34:29
  of,
• 34:29
  we
• 34:29
  call
• 34:29
  them
• 34:29
  grassroots
• 34:30
  campaigns
• 34:30
  are
• 34:31
  way
• 34:31
  more
• 34:31
  effective.
• 34:32
  Because
• 34:33
  I'll
• 34:33
  tell
• 34:34
  you
• 34:34
  what
• 34:34
  I
• 34:34
  hear.
• 34:34
  If
• 34:34
  I
• 34:34
  go
• 34:35
  meet
• 34:35
  with
• 34:35
  your
• 34:35
  legislator
• 34:36
  in
• 34:36
  your
• 34:36
  state,
• 34:37
  even
• 34:37
  if
• 34:37
  it's
• 34:37
  a
• 34:37
  state,
• 34:37
  I
• 34:38
  don't
• 34:38
  practice.
• 34:38
  And
• 34:38
  I
• 34:38
  do
• 34:38
  this
• 34:39
  all
• 34:39
  over
• 34:39
  the
• 34:39
  country
• 34:39
  just
• 34:40
  to
• 34:40
  help.
• 34:40
  Right.
• 34:41
  They
• 34:41
  tell
• 34:41
  me
• 34:42
  my
• 34:42
  constituents
• 34:43
  don't
• 34:43
  care
• 34:43
  about
• 34:43
  that.
• 34:44
  They've
• 34:44
  never
• 34:44
  once
• 34:44
  come
• 34:44
  to
• 34:45
  me
• 34:45
  about
• 34:45
  that.
• 34:45
  And
• 34:45
  I'm
• 34:46
  like,
• 34:46
  well,
• 34:46
  crap,
• 34:46
  now
• 34:46
  I
• 34:46
  got
• 34:46
  to
• 34:46
  go
• 34:47
  knock
• 34:47
  on
• 34:47
  doors
• 34:47
  and
• 34:48
  see
• 34:48
  if
• 34:48
  I
• 34:48
  can
• 34:48
  get
• 34:48
  some
• 34:48
  people
• 34:49
  to
• 34:49
  call.
• 34:49
  Right.
• 34:52
  It's
• 34:52
  so
• 34:52
  true.
• 34:53
  And
• 34:54
  to
• 34:54
  be
• 34:54
  honest,
• 34:54
  and
• 34:55
  this
• 34:55
  isn't
• 34:55
  any
• 34:56
  kind
• 34:56
  of
• 34:56
  political
• 34:56
  show,
• 34:57
  we
• 34:57
  try
• 34:57
  to
• 34:57
  steer
• 34:57
  away
• 34:57
  from
• 34:58
  it.
• 34:58
  But
• 34:58
  you
• 34:59
  can
• 34:59
  get
• 34:59
  more
• 35:00
  done
• 35:00
  dealing
• 35:01
  with
• 35:01
  your
• 35:01
  local
• 35:02
  legislature
• 35:02
  than
• 35:02
  you
• 35:03
  can,
• 35:03
  you
• 35:04
  know,
• 35:04
  with
• 35:04
  your
• 35:04
  state
• 35:04
  than
• 35:05
  you
• 35:05
  can
• 35:05
  federal
• 35:05
  because
• 35:06
  that
• 35:06
  one
• 35:06
  person
• 35:06
  has
• 35:07
  usually
• 35:07
  way
• 35:08
  more
• 35:08
  power
• 35:08
  and
• 35:09
  change
• 35:09
  than
• 35:10
  you
• 35:10
  calling
• 35:10
  up
• 35:10
  your
• 35:10
  senator,
• 35:11
  you
• 35:11
  know.
• 35:11
  And
• 35:12
  they're
• 35:12
  usually,
• 35:12
  again,
• 35:13
  because,
• 35:13
  because
• 35:13
  it's
• 35:13
  not
• 35:13
  political.
• 35:14
  Like
• 35:15
  I
• 35:15
  don't
• 35:15
  care
• 35:15
  where
• 35:15
  you
• 35:16
  sit
• 35:16
  on
• 35:16
  the
• 35:16
  spectrum
• 35:16
  of
• 35:17
  like
• 35:17
  politics.
• 35:17
  They're
• 35:17
  usually
• 35:18
  pretty
• 35:18
  cool
• 35:18
  people.
• 35:18
  Like,
• 35:19
  especially
• 35:20
  at
• 35:20
  the
• 35:20
  state
• 35:20
  level,
• 35:20
  they're
• 35:21
  not
• 35:21
  getting
• 35:21
  paid,
• 35:21
  like,
• 35:21
  they're
• 35:22
  not
• 35:22
  making
• 35:22
  bank,
• 35:23
  so
• 35:23
  they're
• 35:23
  working
• 35:23
  a
• 35:23
  full
• 35:24
  time
• 35:24
  job.
• 35:24
  They
• 35:25
  might
• 35:25
  live
• 35:25
  down
• 35:25
  the
• 35:25
  street
• 35:26
  from
• 35:26
  you,
• 35:26
  you
• 35:27
  might
• 35:27
  not
• 35:27
  like
• 35:27
  them,
• 35:28
  you
• 35:28
  might
• 35:28
  hate
• 35:28
  them,
• 35:28
  you
• 35:29
  might
• 35:29
  have
• 35:29
  a
• 35:29
  personal
• 35:29
  issue
• 35:29
  with
• 35:30
  them.
• 35:30
  But
• 35:30
  generally
• 35:31
  speaking,
• 35:31
  they're
• 35:31
  just
• 35:31
  like
• 35:32
  us.
• 35:32
  You
• 35:32
  know,
• 35:33
  they're,
• 35:33
  they're
• 35:33
  no
• 35:33
  one
• 35:33
  special
• 35:34
  when
• 35:34
  they're
• 35:34
  at
• 35:34
  that
• 35:34
  level.
• 35:36
  Yeah.
• 35:36
  And
• 35:37
  they
• 35:37
  want
• 35:37
  to,
• 35:38
  and
• 35:38
  they
• 35:38
  want
• 35:38
  to
• 35:38
  do
• 35:38
  something
• 35:39
  because
• 35:39
  they're,
• 35:39
  they're,
• 35:40
  like
• 35:40
  you
• 35:40
  said,
• 35:40
  not
• 35:41
  making
• 35:41
  banks.
• 35:41
  So
• 35:41
  they're
• 35:42
  there
• 35:42
  to
• 35:42
  do
• 35:42
  change
• 35:42
  and
• 35:43
  to
• 35:43
  make
• 35:43
  things
• 35:43
  better.
• 35:44
  So
• 35:44
  you
• 35:44
  handing
• 35:45
  them
• 35:45
  something
• 35:45
  to
• 35:45
  run
• 35:46
  with
• 35:46
  is
• 35:46
  not
• 35:46
  a
• 35:46
  bad
• 35:46
  thing.
• 35:47
  Yeah,
• 35:48
  for
• 35:48
  sure.
• 35:48
  And
• 35:49
  you
• 35:49
  never
• 35:49
  know.
• 35:49
  And
• 35:50
  it
• 35:50
  doesn't
• 35:50
  just
• 35:50
  apply
• 35:50
  to
• 35:51
  this
• 35:51
  stuff.
• 35:51
  Like
• 35:52
  you
• 35:52
  see
• 35:52
  a
• 35:52
  problem.
• 35:53
  I'm
• 35:53
  not
• 35:53
  saying
• 35:53
  become
• 35:53
  the
• 35:54
  annoying
• 35:54
  neighbor
• 35:54
  like
• 35:55
  harassing
• 35:56
  your,
• 35:56
  your
• 35:56
  representative
• 35:57
  so
• 35:57
  they
• 35:57
  have
• 35:57
  to
• 35:57
  take
• 35:57
  out
• 35:57
  a
• 35:57
  restraining
• 35:58
  order.
• 35:58
  Right.
• 35:59
  But
• 35:59
  like
• 36:00
  it's
• 36:00
  amazing
• 36:00
  what
• 36:01
  gets
• 36:01
  accomplished
• 36:01
  just
• 36:01
  by
• 36:01
  shooting
• 36:02
  an
• 36:02
  email
• 36:02
  or
• 36:02
  making
• 36:02
  a
• 36:03
  phone
• 36:03
  call.
• 36:04
  Amen.
• 36:05
  What
• 36:06
  are
• 36:06
  you
• 36:06
  seeing
• 36:06
  out
• 36:06
  there
• 36:06
  with
• 36:07
  earthquake
• 36:08
  insurance?
• 36:08
  I
• 36:08
  know
• 36:09
  I've
• 36:09
  got
• 36:09
  it
• 36:09
  here
• 36:09
  in
• 36:10
  my
• 36:10
  area
• 36:10
  just
• 36:11
  because
• 36:11
  I'm
• 36:12
  west
• 36:12
  coast.
• 36:13
  But
• 36:13
  what
• 36:13
  do
• 36:13
  you
• 36:14
  see
• 36:14
  in
• 36:14
  that?
• 36:14
  It's.
• 36:14
  There's
• 36:15
  been
• 36:15
  earthquakes
• 36:15
  popping
• 36:16
  up
• 36:16
  in
• 36:16
  weird
• 36:16
  spots
• 36:17
  recently.
• 36:18
  Yeah.
• 36:19
  So
• 36:19
  I
• 36:19
  mean
• 36:20
  they
• 36:20
  haven't
• 36:20
  really
• 36:20
  pulled
• 36:21
  back
• 36:21
  much
• 36:21
  yet,
• 36:22
  but
• 36:22
  I
• 36:22
  think
• 36:22
  that's
• 36:22
  coming.
• 36:25
  The
• 36:25
  problem
• 36:25
  with
• 36:25
  that
• 36:26
  is
• 36:28
  in
• 36:28
  order
• 36:28
  for
• 36:28
  them
• 36:28
  to
• 36:29
  really
• 36:29
  want
• 36:29
  to
• 36:29
  pull
• 36:29
  back,
• 36:30
  they
• 36:30
  will
• 36:30
  have
• 36:30
  to
• 36:31
  get
• 36:31
  comfortable
• 36:32
  philosophically
• 36:32
  that
• 36:32
  there
• 36:33
  just
• 36:33
  are
• 36:33
  more
• 36:33
  earthquakes
• 36:34
  than
• 36:34
  there
• 36:34
  have
• 36:35
  been.
• 36:35
  Like,
• 36:36
  I
• 36:36
  don't
• 36:36
  really
• 36:36
  care
• 36:36
  what
• 36:36
  it
• 36:37
  is,
• 36:37
  but
• 36:37
  something's
• 36:37
  going
• 36:38
  on.
• 36:38
  Like
• 36:38
  we're
• 36:39
  not
• 36:39
  all
• 36:39
  going
• 36:39
  to
• 36:39
  fall
• 36:39
  in
• 36:39
  the
• 36:40
  ice
• 36:40
  age
• 36:40
  in
• 36:40
  three
• 36:40
  years.
• 36:41
  Right.
• 36:41
  But
• 36:41
  like
• 36:42
  all
• 36:42
  of
• 36:42
  a
• 36:42
  sudden
• 36:43
  volcanoes
• 36:43
  are
• 36:43
  becoming
• 36:44
  active,
• 36:44
  earthquakes
• 36:45
  are
• 36:45
  happening.
• 36:46
  Like
• 36:46
  that
• 36:46
  doesn't
• 36:46
  mean
• 36:46
  the
• 36:46
  world's
• 36:47
  going
• 36:47
  to
• 36:47
  end
• 36:47
  tomorrow.
• 36:48
  But
• 36:48
  like
• 36:49
  the
• 36:49
  world
• 36:49
  changes,
• 36:50
  it
• 36:50
  always
• 36:51
  has.
• 36:51
  Right.
• 36:52
  At
• 36:52
  one
• 36:53
  point
• 36:53
  in
• 36:53
  time
• 36:53
  we
• 36:53
  were
• 36:53
  like
• 36:53
  one
• 36:54
  big
• 36:54
  continent,
• 36:55
  you
• 36:55
  know,
• 36:55
  so.
• 36:56
  So
• 36:56
  the
• 36:56
  world
• 36:57
  is
• 36:57
  moving
• 36:57
  and
• 36:57
  changing
• 36:58
  and
• 36:58
  like
• 36:59
  we
• 36:59
  seem
• 36:59
  to
• 36:59
  be
• 37:00
  in.
• 37:00
  A
• 37:00
  pretty
• 37:00
  weather
• 37:00
  and
• 37:00
  all
• 37:01
  that
• 37:01
  other
• 37:01
  stuff.
• 37:01
  Yeah,
• 37:02
  I
• 37:02
  mean
• 37:02
  it's
• 37:02
  always,
• 37:02
  it
• 37:03
  always
• 37:03
  happens.
• 37:03
  Like
• 37:03
  it's
• 37:04
  not
• 37:04
  a
• 37:04
  big
• 37:04
  deal,
• 37:04
  but
• 37:05
  we
• 37:05
  definitely
• 37:05
  seem
• 37:05
  to
• 37:05
  be
• 37:05
  in
• 37:06
  a
• 37:06
  weather
• 37:06
  heavy
• 37:06
  change
• 37:07
  at
• 37:07
  the
• 37:07
  moment.
• 37:08
  You
• 37:08
  know,
• 37:08
  where
• 37:09
  natural
• 37:09
  disasters
• 37:10
  are
• 37:10
  just
• 37:10
  kind
• 37:10
  of
• 37:10
  happening.
• 37:11
  You
• 37:11
  know,
• 37:13
  that
• 37:13
  may
• 37:13
  be
• 37:13
  cool.
• 37:14
  Maybe
• 37:14
  in
• 37:14
  100
• 37:15
  years
• 37:15
  like
• 37:15
  some
• 37:16
  flower
• 37:16
  will
• 37:16
  pop
• 37:17
  up
• 37:17
  that
• 37:17
  will
• 37:17
  cure
• 37:17
  cancer.
• 37:18
  I
• 37:18
  don't
• 37:18
  know.
• 37:18
  But
• 37:19
  bottom
• 37:19
  line,
• 37:19
  like
• 37:19
  things
• 37:20
  are
• 37:20
  changing
• 37:20
  and
• 37:21
  the
• 37:21
  carriers
• 37:21
  are
• 37:22
  going
• 37:22
  to
• 37:22
  keep
• 37:22
  an
• 37:22
  eye
• 37:22
  out
• 37:22
  for
• 37:22
  that
• 37:23
  because
• 37:23
  that
• 37:23
  hurts.
• 37:24
  That's
• 37:24
  not
• 37:24
  because
• 37:25
  they're
• 37:25
  bad.
• 37:25
  Honestly,
• 37:26
  no
• 37:27
  one
• 37:27
  runs
• 37:27
  a
• 37:27
  business
• 37:27
  for
• 37:28
  free.
• 37:28
  You
• 37:28
  know
• 37:29
  what
• 37:29
  I
• 37:29
  mean?
• 37:29
  If
• 37:29
  I
• 37:29
  have
• 37:29
  a
• 37:29
  pizza
• 37:30
  shop
• 37:30
  and
• 37:30
  all
• 37:31
  of
• 37:31
  a
• 37:31
  sudden
• 37:31
  dough
• 37:32
  goes
• 37:32
  up
• 37:33
  5x,
• 37:33
  don't
• 37:34
  get
• 37:34
  mad
• 37:34
  at
• 37:34
  me
• 37:34
  that
• 37:34
  I
• 37:35
  raise
• 37:35
  the
• 37:35
  price
• 37:35
  of
• 37:35
  my
• 37:35
  pizzas.
• 37:37
  Correct.
• 37:38
  Yeah.
• 37:39
  That's
• 37:39
  the
• 37:39
  one
• 37:39
  thing
• 37:39
  you
• 37:40
  got
• 37:40
  to
• 37:40
  remember
• 37:40
  is
• 37:40
  these
• 37:40
  guys
• 37:41
  are
• 37:41
  not
• 37:41
  a
• 37:42
  state
• 37:42
  run
• 37:43
  public
• 37:43
  service
• 37:44
  place.
• 37:45
  This
• 37:45
  is
• 37:45
  an
• 37:45
  actual
• 37:46
  business
• 37:46
  that
• 37:46
  has
• 37:47
  shareholders.
• 37:47
  And
• 37:47
  this
• 37:48
  is
• 37:48
  one
• 37:48
  big
• 37:49
  corporation
• 37:50
  that
• 37:50
  is
• 37:50
  sitting
• 37:51
  there
• 37:51
  trying
• 37:52
  to
• 37:52
  navigate
• 37:52
  the,
• 37:53
  the
• 37:53
  profitability
• 37:54
  spectrum
• 37:55
  to
• 37:55
  helping
• 37:56
  its
• 37:56
  consumers.
• 37:57
  And
• 37:57
  even
• 37:58
  the
• 37:58
  ones
• 37:58
  like
• 37:58
  some
• 37:58
  people
• 37:59
  listen
• 37:59
  to
• 37:59
  you
• 37:59
  say
• 37:59
  that
• 37:59
  and
• 38:00
  they'll
• 38:00
  be
• 38:00
  like,
• 38:00
  no,
• 38:00
  I
• 38:00
  have
• 38:00
  citizens.
• 38:01
  Right.
• 38:01
  Because
• 38:01
  citizens
• 38:02
  like
• 38:02
  the
• 38:02
  government
• 38:03
  run
• 38:03
  in
• 38:03
  your
• 38:03
  state.
• 38:04
  But
• 38:05
  most
• 38:05
  citizens
• 38:06
  organizations
• 38:07
  are
• 38:07
  organized.
• 38:08
  Like
• 38:08
  people
• 38:08
  don't
• 38:08
  know
• 38:08
  this.
• 38:09
  Number
• 38:10
  one,
• 38:10
  in
• 38:10
  some
• 38:10
  states
• 38:10
  you
• 38:10
  have
• 38:10
  to
• 38:11
  prove
• 38:11
  that
• 38:11
  you
• 38:11
  tried
• 38:11
  to
• 38:11
  get
• 38:12
  other
• 38:12
  insurance
• 38:12
  and
• 38:12
  couldn't.
• 38:13
  And
• 38:14
  they
• 38:14
  try
• 38:14
  to
• 38:15
  keep
• 38:15
  Their
• 38:15
  rates
• 38:15
  about
• 38:16
  equal
• 38:16
  to
• 38:16
  the
• 38:16
  commercial
• 38:17
  market.
• 38:17
  Because
• 38:18
  carriers
• 38:18
  are
• 38:18
  not
• 38:18
  going
• 38:19
  to
• 38:19
  come
• 38:19
  to
• 38:19
  a
• 38:19
  state
• 38:20
  if
• 38:20
  the
• 38:20
  government
• 38:21
  is
• 38:21
  literally
• 38:21
  underbidding
• 38:22
  them
• 38:22
  on
• 38:22
  every
• 38:22
  single
• 38:23
  policy.
• 38:23
  Right,
• 38:23
  sure.
• 38:25
  So
• 38:25
  even
• 38:25
  honestly,
• 38:26
  the
• 38:26
  government
• 38:26
  funded
• 38:26
  insurance,
• 38:27
  it's
• 38:27
  not
• 38:27
  going
• 38:28
  to
• 38:28
  be
• 38:28
  a
• 38:28
  different
• 38:29
  price
• 38:29
  at
• 38:29
  all.
• 38:31
  Makes
• 38:31
  sense.
• 38:32
  And
• 38:32
  I'll
• 38:33
  be
• 38:33
  honest,
• 38:33
  I
• 38:33
  don't
• 38:33
  want
• 38:33
  to
• 38:33
  deal
• 38:33
  with
• 38:34
  the
• 38:34
  government
• 38:34
  to
• 38:34
  get
• 38:34
  my
• 38:34
  insurance
• 38:35
  claim
• 38:35
  either.
• 38:36
  No,
• 38:36
  there
• 38:36
  is,
• 38:37
  trust
• 38:37
  me,
• 38:37
  there
• 38:37
  is
• 38:37
  that.
• 38:40
  It's
• 38:41
  hard
• 38:41
  enough
• 38:41
  to
• 38:41
  get
• 38:41
  my
• 38:41
  license
• 38:42
  renewed
• 38:42
  to
• 38:42
  go
• 38:42
  to
• 38:43
  the
• 38:43
  dmv.
• 38:43
  I
• 38:43
  don't
• 38:43
  need
• 38:44
  to
• 38:44
  make
• 38:44
  it
• 38:44
  worse.
• 38:45
  Yeah,
• 38:45
  it's
• 38:45
  like
• 38:45
  the
• 38:45
  height
• 38:46
  of
• 38:46
  efficiency
• 38:46
  when
• 38:46
  you
• 38:46
  combine
• 38:47
  government
• 38:47
  and
• 38:47
  insurance.
• 38:48
  Trust
• 38:48
  me,
• 38:48
  it's
• 38:49
  a,
• 38:49
  it's
• 38:50
  a
• 38:50
  crazy,
• 38:50
  crazy
• 38:51
  scary
• 38:51
  world.
• 42:17
  I
• 42:18
  can
• 42:18
  imagine.
• 42:18
  So
• 42:19
  what
• 42:20
  if
• 42:20
  you're
• 42:20
  a
• 42:20
  brand
• 42:21
  new
• 42:21
  homeowner
• 42:21
  out
• 42:21
  there,
• 42:22
  you
• 42:22
  just
• 42:22
  bought
• 42:22
  your
• 42:23
  first
• 42:23
  home,
• 42:23
  you
• 42:24
  moved
• 42:24
  in.
• 42:24
  I
• 42:25
  know
• 42:25
  you
• 42:25
  probably
• 42:26
  have
• 42:27
  that
• 42:27
  homeowner's
• 42:28
  insurance
• 42:28
  coming
• 42:28
  out
• 42:28
  of
• 42:29
  your
• 42:29
  mortgage.
• 42:29
  So
• 42:29
  you
• 42:30
  looked
• 42:30
  at
• 42:30
  your
• 42:30
  insurance
• 42:31
  once
• 42:31
  and
• 42:31
  set
• 42:31
  it
• 42:32
  and
• 42:32
  forget
• 42:32
  it.
• 42:32
  And
• 42:33
  until
• 42:33
  you
• 42:34
  refinance
• 42:34
  your
• 42:34
  house,
• 42:34
  you
• 42:35
  might
• 42:35
  not
• 42:35
  look
• 42:35
  at
• 42:35
  it
• 42:36
  again.
• 42:36
  What
• 42:37
  would
• 42:37
  you
• 42:37
  advise
• 42:38
  that
• 42:38
  new
• 42:38
  homeowner
• 42:39
  to
• 42:39
  do?
• 42:39
  Yeah,
• 42:40
  a
• 42:40
  couple
• 42:40
  of
• 42:40
  things.
• 42:40
  Right.
• 42:41
  When
• 42:41
  you
• 42:41
  get
• 42:41
  your
• 42:41
  house,
• 42:41
  because
• 42:42
  you're
• 42:42
  super
• 42:42
  excited,
• 42:42
  because
• 42:43
  it's
• 42:43
  your
• 42:43
  house,
• 42:44
  walk
• 42:45
  through
• 42:45
  it,
• 42:45
  video
• 42:46
  it,
• 42:46
  record
• 42:46
  it,
• 42:46
  do
• 42:47
  whatever
• 42:47
  you
• 42:47
  got
• 42:47
  to
• 42:47
  do,
• 42:48
  do
• 42:48
  it
• 42:48
  again
• 42:48
  after
• 42:49
  you
• 42:49
  move
• 42:49
  your
• 42:49
  stuff
• 42:49
  in.
• 42:50
  Just
• 42:50
  save
• 42:50
  those,
• 42:51
  do
• 42:51
  that
• 42:51
  once
• 42:51
  a
• 42:51
  year.
• 42:52
  It's
• 42:52
  a
• 42:52
  really
• 42:52
  good
• 42:53
  idea
• 42:53
  to
• 42:53
  do,
• 42:53
  make
• 42:53
  it
• 42:53
  part
• 42:54
  of
• 42:54
  your
• 42:54
  spring
• 42:54
  cleaning.
• 42:55
  Because
• 42:56
  everyone
• 42:56
  on
• 42:57
  this
• 42:57
  podcast
• 42:57
  is
• 42:57
  literally
• 42:58
  on
• 42:58
  this
• 42:58
  podcast
• 42:58
  because
• 42:59
  crap
• 42:59
  keeps
• 42:59
  breaking,
• 43:00
  right?
• 43:00
  So
• 43:01
  you
• 43:01
  want
• 43:01
  to
• 43:01
  kind
• 43:01
  of
• 43:02
  document
• 43:02
  what
• 43:02
  keeps
• 43:02
  breaking.
• 43:03
  We
• 43:03
  all
• 43:03
  know
• 43:03
  this
• 43:03
  is
• 43:03
  the,
• 43:04
  the
• 43:04
  nature
• 43:04
  of
• 43:05
  home
• 43:05
  ownership,
• 43:06
  you
• 43:06
  know,
• 43:06
  so
• 43:07
  do
• 43:07
  that.
• 43:07
  Share
• 43:07
  it
• 43:08
  up
• 43:08
  on
• 43:08
  social
• 43:08
  media.
• 43:09
  Oh,
• 43:09
  100%.
• 43:10
  Right.
• 43:10
  The
• 43:11
  other
• 43:11
  thing
• 43:11
  is
• 43:11
  pick.
• 43:11
  You
• 43:12
  just
• 43:12
  got
• 43:12
  a
• 43:12
  new
• 43:12
  policy
• 43:13
  when
• 43:13
  you
• 43:13
  closed
• 43:13
  on
• 43:13
  your
• 43:13
  house.
• 43:14
  So
• 43:14
  back
• 43:15
  up
• 43:15
  two
• 43:15
  months
• 43:15
  and,
• 43:16
  and
• 43:16
  then
• 43:16
  fast
• 43:16
  forward
• 43:16
  a
• 43:17
  year
• 43:17
  so
• 43:17
  about
• 43:17
  10
• 43:17
  months
• 43:17
  from
• 43:18
  then
• 43:18
  put
• 43:18
  in
• 43:18
  a
• 43:19
  yearly
• 43:19
  recurring
• 43:20
  calendar.
• 43:20
  Look
• 43:21
  at
• 43:21
  my
• 43:21
  insurance.
• 43:22
  Right.
• 43:23
  Reason
• 43:23
  you
• 43:23
  want
• 43:23
  to
• 43:24
  do
• 43:24
  that
• 43:24
  is
• 43:24
  twofold,
• 43:25
  like
• 43:25
  we
• 43:25
  talked
• 43:25
  about
• 43:26
  earlier.
• 43:26
  You
• 43:26
  want
• 43:26
  to
• 43:26
  make
• 43:26
  sure
• 43:26
  you
• 43:26
  got
• 43:27
  the
• 43:27
  numbers
• 43:27
  right.
• 43:28
  You
• 43:28
  want
• 43:28
  to
• 43:28
  just
• 43:28
  see
• 43:28
  who
• 43:29
  else
• 43:29
  is
• 43:29
  in
• 43:29
  the
• 43:29
  market,
• 43:29
  who's
• 43:30
  competitive.
• 43:30
  The
• 43:31
  other
• 43:31
  thing
• 43:31
  you
• 43:31
  want
• 43:31
  to
• 43:32
  keep
• 43:32
  an
• 43:32
  eye
• 43:32
  on,
• 43:33
  and
• 43:33
  this
• 43:33
  is
• 43:33
  a
• 43:34
  big
• 43:34
  mistake
• 43:34
  homeowners
• 43:35
  make,
• 43:36
  is
• 43:37
  someone
• 43:38
  misses
• 43:38
  a
• 43:38
  premium
• 43:38
  payment,
• 43:39
  you
• 43:39
  miss
• 43:39
  it,
• 43:39
  they
• 43:39
  miss
• 43:40
  it,
• 43:40
  whoever.
• 43:40
  You
• 43:41
  get
• 43:41
  some
• 43:41
  letter,
• 43:42
  hey,
• 43:43
  you
• 43:43
  know,
• 43:43
  bear
• 43:43
  in
• 43:43
  mind,
• 43:44
  you're
• 43:44
  supposed
• 43:44
  to
• 43:44
  have
• 43:44
  insurance.
• 43:45
  If
• 43:45
  you
• 43:45
  don't
• 43:45
  get
• 43:46
  insurance,
• 43:46
  we'll
• 43:46
  buy
• 43:46
  insurance
• 43:47
  for
• 43:47
  you.
• 43:48
  And
• 43:48
  you
• 43:48
  think,
• 43:49
  oh,
• 43:49
  cool,
• 43:50
  awesome.
• 43:51
  I
• 43:51
  mean,
• 43:52
  I
• 43:52
  don't
• 43:52
  want
• 43:53
  to
• 43:53
  deal
• 43:53
  with
• 43:53
  this.
• 43:54
  My
• 43:54
  mortgage
• 43:55
  Company,
• 43:55
  My
• 43:55
  mortgage
• 43:56
  company
• 43:56
  doesn't
• 43:56
  do
• 43:56
  crap
• 43:56
  for
• 43:57
  me.
• 43:57
  It's
• 43:57
  about
• 43:57
  time
• 43:57
  they
• 43:58
  step
• 43:58
  up
• 43:58
  to
• 43:58
  the
• 43:58
  plate
• 43:58
  and
• 43:59
  do
• 43:59
  something.
• 43:59
  Right.
• 44:00
  They're
• 44:00
  buying
• 44:00
  insurance
• 44:01
  for
• 44:01
  them,
• 44:01
  not
• 44:01
  for
• 44:02
  you.
• 44:02
  In
• 44:02
  most
• 44:02
  states,
• 44:03
  you
• 44:03
  can't
• 44:03
  even
• 44:04
  recover.
• 44:05
  They
• 44:05
  will
• 44:05
  keep
• 44:05
  the
• 44:06
  money
• 44:06
  and
• 44:06
  you.
• 44:06
  And
• 44:07
  if
• 44:07
  they
• 44:07
  underpay,
• 44:08
  you
• 44:08
  have
• 44:08
  no
• 44:09
  right
• 44:09
  to
• 44:10
  go
• 44:10
  after
• 44:10
  getting
• 44:10
  more
• 44:11
  money.
• 44:11
  I
• 44:12
  have
• 44:12
  had
• 44:12
  so
• 44:13
  many
• 44:13
  conversations
• 44:13
  with,
• 44:14
  like,
• 44:15
  crying
• 44:16
  men
• 44:16
  and
• 44:16
  women
• 44:17
  who
• 44:17
  have
• 44:18
  lost
• 44:18
  everything
• 44:19
  and
• 44:19
  the
• 44:20
  carrier
• 44:20
  won't
• 44:20
  pay
• 44:21
  anything.
• 44:21
  And
• 44:21
  they
• 44:22
  call
• 44:22
  me
• 44:22
  and
• 44:22
  say,
• 44:22
  can
• 44:22
  you
• 44:23
  help
• 44:23
  me?
• 44:23
  And
• 44:24
  I'm
• 44:24
  like,
• 44:24
  yeah,
• 44:25
  send
• 44:25
  me
• 44:26
  your
• 44:26
  policy.
• 44:26
  And
• 44:27
  I
• 44:27
  call
• 44:27
  them
• 44:27
  within
• 44:28
  five
• 44:28
  seconds
• 44:28
  of
• 44:28
  getting
• 44:29
  the
• 44:29
  policy,
• 44:29
  and
• 44:29
  I
• 44:29
  say,
• 44:30
  there's
• 44:30
  nothing
• 44:30
  I
• 44:30
  can
• 44:30
  do
• 44:30
  here.
• 44:31
  And
• 44:31
  they're
• 44:31
  like,
• 44:31
  you
• 44:31
  didn't
• 44:31
  even
• 44:31
  look.
• 44:32
  How
• 44:32
  do
• 44:32
  you
• 44:32
  know?
• 44:32
  I
• 44:33
  said
• 44:33
  you
• 44:33
  had
• 44:33
  force
• 44:33
  place
• 44:34
  insurance
• 44:34
  from
• 44:34
  your
• 44:34
  mortgage
• 44:35
  company.
• 44:35
  You
• 44:36
  are
• 44:36
  not
• 44:36
  insured.
• 44:37
  You
• 44:37
  have
• 44:37
  no
• 44:37
  insurance.
• 44:38
  This
• 44:39
  is
• 44:39
  all
• 44:39
  for
• 44:39
  your
• 44:39
  mortgage
• 44:40
  company.
• 44:40
  They're
• 44:41
  just
• 44:41
  going
• 44:41
  to
• 44:41
  go
• 44:41
  cut
• 44:41
  a
• 44:41
  deal
• 44:42
  that
• 44:42
  they
• 44:42
  feel
• 44:42
  like
• 44:42
  cutting.
• 44:43
  You
• 44:43
  still
• 44:43
  may
• 44:43
  even
• 44:44
  owe
• 44:44
  on
• 44:44
  the
• 44:44
  mortgage
• 44:45
  by
• 44:45
  the
• 44:45
  time
• 44:45
  they're
• 44:45
  done.
• 44:47
  But
• 44:47
  you
• 44:47
  have
• 44:47
  to
• 44:47
  build
• 44:47
  this
• 44:47
  house
• 44:48
  out
• 44:48
  of
• 44:48
  your
• 44:48
  own
• 44:48
  pocket
• 44:49
  from
• 44:49
  the
• 44:49
  ground
• 44:49
  up.
• 44:49
  Good
• 44:49
  luck.
• 44:50
  And
• 44:50
  I'm
• 44:50
  sorry
• 44:50
  you
• 44:50
  lost
• 44:51
  everything.
• 44:51
  That
• 44:52
  is
• 44:52
  eight.
• 44:52
  And
• 44:53
  you're
• 44:53
  still
• 44:53
  going
• 44:53
  to
• 44:53
  be
• 44:53
  paying
• 44:54
  that
• 44:54
  mortgage
• 44:54
  payment
• 44:54
  because
• 44:54
  you
• 44:55
  still
• 44:55
  own
• 44:55
  the
• 44:55
  land.
• 44:56
  Yeah,
• 44:56
  because
• 44:56
  they.
• 44:56
  Well.
• 44:57
  And
• 44:57
  they
• 44:57
  don't
• 44:57
  care.
• 44:57
  Right.
• 44:58
  So
• 44:59
  some
• 44:59
  of
• 44:59
  these,
• 45:00
  some
• 45:00
  of
• 45:00
  these
• 45:00
  mortgage
• 45:01
  companies
• 45:01
  actually
• 45:01
  get
• 45:02
  commissions
• 45:02
  for
• 45:02
  buying
• 45:03
  the
• 45:03
  policy.
• 45:04
  So
• 45:04
  they're
• 45:05
  not
• 45:05
  even
• 45:05
  going
• 45:05
  to
• 45:05
  go
• 45:05
  back
• 45:05
  at
• 45:06
  the
• 45:06
  carrier
• 45:06
  and
• 45:06
  say,
• 45:07
  no,
• 45:07
  no,
• 45:07
  no.
• 45:08
  You
• 45:08
  know,
• 45:09
  Eric
• 45:09
  owes
• 45:09
  200
• 45:10
  on
• 45:10
  this
• 45:10
  house,
• 45:10
  so
• 45:11
  we
• 45:11
  need
• 45:11
  at
• 45:11
  least
• 45:11
  200
• 45:12
  so
• 45:12
  we
• 45:12
  can
• 45:12
  wipe
• 45:12
  out
• 45:12
  his
• 45:13
  mortgage.
• 45:13
  They
• 45:14
  couldn't
• 45:14
  care
• 45:14
  less.
• 45:16
  They
• 45:17
  just
• 45:17
  want
• 45:17
  to
• 45:17
  capture
• 45:17
  the
• 45:18
  loss.
• 45:18
  Yeah,
• 45:19
  they're
• 45:19
  fine.
• 45:20
  They
• 45:20
  already
• 45:20
  made
• 45:20
  a
• 45:20
  commission.
• 45:21
  They'll
• 45:21
  take
• 45:21
  whatever
• 45:21
  the
• 45:21
  carrier
• 45:22
  gives
• 45:22
  them.
• 45:23
  And,
• 45:23
  you
• 45:23
  know,
• 45:23
  they'll
• 45:24
  just
• 45:24
  keep
• 45:24
  bilking
• 45:24
  Eric
• 45:25
  every
• 45:25
  month
• 45:25
  for
• 45:25
  his
• 45:25
  mortgage
• 45:26
  payment.
• 45:26
  Oh,
• 45:28
  that
• 45:28
  is
• 45:29
  sad
• 45:29
  that
• 45:29
  that
• 45:30
  should
• 45:30
  not
• 45:30
  be
• 45:30
  happening
• 45:31
  to
• 45:31
  people
• 45:31
  out
• 45:31
  there.
• 45:32
  Should
• 45:32
  not
• 45:32
  be
• 45:32
  happening.
• 45:33
  So
• 45:34
  look,
• 45:35
  general
• 45:35
  rule,
• 45:35
  if
• 45:36
  your
• 45:36
  mortgage
• 45:36
  company
• 45:36
  wants
• 45:36
  to
• 45:37
  do
• 45:37
  something
• 45:37
  nice
• 45:37
  for
• 45:37
  you,
• 45:37
  it's
• 45:38
  probably
• 45:38
  not
• 45:38
  nice.
• 45:39
  So
• 45:39
  take
• 45:39
  a
• 45:39
  look
• 45:39
  and
• 45:39
  figure
• 45:40
  out
• 45:40
  why.
• 45:42
  Great
• 45:43
  advice.
• 45:43
  You.
• 45:44
  You
• 45:44
  need
• 45:44
  that
• 45:44
  on
• 45:44
  a
• 45:45
  coffee
• 45:45
  mug.
• 45:47
  Yeah.
• 45:47
  I
• 45:47
  mean,
• 45:48
  literally
• 45:48
  short
• 45:49
  of
• 45:49
  the
• 45:49
  mortgage
• 45:49
  company
• 45:50
  sending
• 45:50
  you
• 45:50
  a
• 45:50
  T
• 45:50
  shirt
• 45:50
  or
• 45:51
  a
• 45:51
  mug,
• 45:51
  like,
• 45:51
  turn
• 45:51
  down
• 45:52
  whatever
• 45:52
  they're
• 45:52
  offering
• 45:53
  you.
• 45:53
  Go
• 45:53
  get.
• 45:53
  Go
• 45:53
  get
• 45:54
  advice
• 45:54
  as
• 45:54
  to
• 45:54
  why.
• 45:57
  Yeah,
• 45:57
  that
• 45:57
  makes
• 45:57
  good
• 45:58
  sense.
• 45:58
  And
• 45:58
  like
• 45:59
  we
• 45:59
  were
• 45:59
  saying
• 45:59
  earlier,
• 45:59
  I
• 45:59
  mean,
• 46:00
  I
• 46:01
  know
• 46:01
  my
• 46:01
  house
• 46:01
  right
• 46:01
  now.
• 46:01
  I
• 46:02
  got
• 46:02
  a.
• 46:02
  I'm
• 46:03
  literally
• 46:03
  have
• 46:03
  it
• 46:03
  on
• 46:04
  my
• 46:04
  to
• 46:04
  do
• 46:04
  list
• 46:04
  for
• 46:04
  tomorrow
• 46:05
  is
• 46:05
  to
• 46:05
  go
• 46:05
  back
• 46:05
  and
• 46:05
  review
• 46:06
  because
• 46:07
  it's
• 46:07
  been
• 46:07
  18
• 46:07
  months
• 46:08
  since
• 46:08
  I
• 46:08
  looked
• 46:08
  at
• 46:08
  it
• 46:09
  and
• 46:09
  I
• 46:09
  know
• 46:09
  it's
• 46:09
  way
• 46:09
  wrong.
• 46:11
  Yeah.
• 46:12
  Just
• 46:12
  get
• 46:12
  it
• 46:12
  locked
• 46:12
  in.
• 46:12
  Might
• 46:13
  cost
• 46:13
  you
• 46:13
  a
• 46:13
  couple
• 46:13
  extra
• 46:14
  hundred
• 46:14
  bucks
• 46:14
  this
• 46:14
  year.
• 46:14
  But
• 46:15
  if,
• 46:16
  God
• 46:16
  forbid,
• 46:16
  anything
• 46:17
  were
• 46:17
  to
• 46:17
  ever
• 46:17
  happen,
• 46:18
  you
• 46:18
  would
• 46:18
  sleep
• 46:19
  soundly
• 46:19
  knowing
• 46:19
  you
• 46:19
  got
• 46:19
  what
• 46:20
  you
• 46:20
  need
• 46:20
  to
• 46:20
  get.
• 46:21
  Well,
• 46:22
  and
• 46:22
  the
• 46:22
  problem
• 46:22
  that
• 46:22
  I
• 46:22
  have,
• 46:23
  and
• 46:23
  this
• 46:23
  is
• 46:23
  what
• 46:24
  happens
• 46:24
  to
• 46:24
  homeowners
• 46:25
  out
• 46:25
  there
• 46:25
  as
• 46:25
  well,
• 46:26
  is
• 46:26
  I've
• 46:26
  been
• 46:26
  putting
• 46:26
  in
• 46:27
  really
• 46:28
  nice
• 46:28
  stuff
• 46:28
  in
• 46:28
  my
• 46:28
  home
• 46:29
  because
• 46:30
  I
• 46:30
  do
• 46:30
  it
• 46:30
  for
• 46:30
  tv.
• 46:31
  I've
• 46:31
  got
• 46:31
  really
• 46:31
  great
• 46:32
  stuff.
• 46:33
  But
• 46:34
  a
• 46:35
  normal
• 46:35
  insurance
• 46:36
  isn't
• 46:36
  going
• 46:36
  to
• 46:36
  look
• 46:36
  at
• 46:37
  that
• 46:37
  and
• 46:37
  go,
• 46:37
  oh
• 46:37
  well,
• 46:37
  that's
• 46:37
  a
• 46:38
  normal
• 46:38
  bathroom.
• 46:39
  They're
• 46:39
  not
• 46:39
  going
• 46:40
  to
• 46:40
  consider
• 46:40
  I
• 46:40
  have
• 46:40
  a
• 46:40
  steam
• 46:41
  shower
• 46:41
  in
• 46:41
  there
• 46:42
  or,
• 46:43
  you
• 46:43
  know,
• 46:43
  slab
• 46:44
  porcelain
• 46:44
  walls
• 46:45
  or
• 46:45
  whatever.
• 46:46
  They're
• 46:46
  not
• 46:46
  looking
• 46:47
  at
• 46:47
  it
• 46:47
  that
• 46:47
  way.
• 46:48
  No.
• 46:48
  And
• 46:49
  that's
• 46:49
  the
• 46:49
  other
• 46:49
  advantage
• 46:49
  to
• 46:50
  doing
• 46:50
  the
• 46:50
  video
• 46:50
  and
• 46:50
  everything
• 46:51
  is
• 46:52
  once
• 46:52
  a
• 46:52
  year
• 46:53
  is.
• 46:53
  It
• 46:53
  just
• 46:53
  really,
• 46:54
  really
• 46:54
  helps
• 46:54
  because
• 46:55
  let's
• 46:55
  say
• 46:55
  you
• 46:55
  go
• 46:55
  hire
• 46:56
  someone
• 46:56
  later
• 46:56
  like
• 46:56
  me
• 46:57
  or
• 46:57
  a
• 46:57
  public
• 46:57
  adjuster.
• 46:58
  We
• 46:58
  also
• 46:59
  have
• 46:59
  not
• 46:59
  been
• 47:00
  living
• 47:00
  with
• 47:00
  you
• 47:00
  for
• 47:00
  the
• 47:00
  last
• 47:01
  several
• 47:01
  years.
• 47:01
  Watching
• 47:01
  you
• 47:01
  put
• 47:02
  in
• 47:02
  your
• 47:02
  steam
• 47:02
  shower,
• 47:02
  it'd
• 47:03
  be
• 47:03
  creepy.
• 47:04
  But
• 47:04
  now
• 47:04
  we
• 47:05
  know
• 47:05
  it's
• 47:05
  there
• 47:06
  and
• 47:06
  you
• 47:06
  can
• 47:06
  tell
• 47:07
  us,
• 47:07
  but
• 47:07
  we're
• 47:07
  going
• 47:07
  to
• 47:07
  save
• 47:08
  a
• 47:08
  lot
• 47:08
  of
• 47:08
  time
• 47:08
  by
• 47:08
  knowing
• 47:08
  what's
• 47:09
  there.
• 47:10
  Yeah,
• 47:11
  that
• 47:11
  makes
• 47:11
  sense
• 47:11
  because
• 47:12
  yeah,
• 47:12
  that's
• 47:13
  a
• 47:13
  whole
• 47:13
  different
• 47:13
  realm.
• 47:13
  You
• 47:14
  could
• 47:14
  take
• 47:14
  a,
• 47:14
  a
• 47:15
  $400,000
• 47:16
  house
• 47:16
  and
• 47:16
  just
• 47:16
  change
• 47:17
  things
• 47:17
  on
• 47:17
  the
• 47:17
  inside
• 47:18
  and
• 47:19
  that's
• 47:19
  now
• 47:19
  an
• 47:19
  $800,000
• 47:20
  house
• 47:21
  pretty
• 47:21
  quickly.
• 47:22
  Yeah.
• 47:22
  And
• 47:22
  for
• 47:22
  insurance,
• 47:23
  the
• 47:23
  value
• 47:23
  of
• 47:23
  the
• 47:23
  house
• 47:24
  is
• 47:24
  really
• 47:24
  what
• 47:24
  it's
• 47:24
  going
• 47:24
  to
• 47:24
  cost
• 47:25
  to
• 47:25
  fix
• 47:25
  it,
• 47:26
  not
• 47:26
  what
• 47:26
  you
• 47:26
  could
• 47:27
  sell
• 47:27
  it
• 47:27
  for.
• 47:27
  And
• 47:28
  that
• 47:28
  number
• 47:28
  is.
• 47:29
  Has
• 47:29
  nothing
• 47:29
  to
• 47:30
  do
• 47:30
  with
• 47:30
  this.
• 47:31
  Oh
• 47:31
  yeah,
• 47:31
  100%.
• 47:32
  Right.
• 47:32
  Zillow
• 47:33
  might
• 47:33
  think,
• 47:33
  ah,
• 47:33
  in
• 47:33
  this
• 47:34
  neighborhood
• 47:34
  that's
• 47:34
  a
• 47:34
  four
• 47:34
  hundred
• 47:35
  thousand
• 47:35
  dollar
• 47:35
  house.
• 47:36
  But
• 47:36
  if
• 47:36
  you
• 47:36
  wanted
• 47:37
  to
• 47:37
  rebuild
• 47:37
  that
• 47:37
  house
• 47:37
  from
• 47:38
  the
• 47:38
  ground
• 47:38
  up,
• 47:38
  it'd
• 47:38
  be
• 47:38
  a
• 47:39
  lot
• 47:39
  more.
• 47:40
  Yeah.
• 47:41
  What
• 47:41
  are
• 47:41
  you
• 47:41
  seeing
• 47:41
  with
• 47:42
  historical
• 47:42
  homes
• 47:43
  as
• 47:43
  well?
• 47:43
  Because
• 47:43
  you
• 47:43
  know,
• 47:43
  you'll
• 47:44
  get
• 47:44
  those
• 47:45
  up
• 47:45
  on
• 47:45
  the
• 47:45
  east
• 47:45
  coast
• 47:46
  where
• 47:46
  you've
• 47:46
  got
• 47:46
  this
• 47:47
  or
• 47:47
  even
• 47:47
  out
• 47:47
  where
• 47:47
  you're
• 47:47
  at
• 47:48
  where
• 47:48
  it's
• 47:48
  150,
• 47:49
  175
• 47:50
  or
• 47:50
  300
• 47:51
  year
• 47:51
  old
• 47:51
  house.
• 47:52
  The
• 47:52
  rules
• 47:52
  of
• 47:53
  reconstruction
• 47:53
  are
• 47:54
  completely
• 47:54
  different
• 47:54
  than
• 47:55
  if
• 47:55
  it
• 47:55
  was
• 47:55
  a
• 47:55
  10
• 47:55
  year
• 47:55
  old
• 47:56
  house.
• 47:56
  Yeah.
• 47:57
  So
• 47:57
  it's
• 47:57
  like
• 47:57
  I
• 47:57
  have
• 47:57
  a
• 47:58
  love
• 47:58
  hate.
• 47:58
  So
• 47:58
  I
• 47:59
  love
• 47:59
  historic
• 48:00
  homes,
• 48:00
  love
• 48:00
  historic
• 48:01
  buildings,
• 48:02
  love
• 48:02
  historic
• 48:02
  architecture.
• 48:03
  It's
• 48:03
  like
• 48:04
  it's
• 48:04
  a
• 48:05
  hobby
• 48:05
  and
• 48:05
  passion
• 48:05
  of
• 48:06
  mine.
• 48:06
  I
• 48:06
  live
• 48:06
  in
• 48:06
  New
• 48:06
  Orleans,
• 48:07
  that's
• 48:07
  one
• 48:07
  of
• 48:07
  the
• 48:07
  reasons
• 48:08
  I
• 48:08
  live
• 48:08
  in
• 48:08
  New
• 48:08
  Orleans.
• 48:08
  Right,
• 48:09
  Nice.
• 48:10
  With
• 48:10
  that
• 48:10
  said,
• 48:11
  I
• 48:11
  hate
• 48:11
  historical
• 48:12
  societies
• 48:12
  and
• 48:13
  historic
• 48:13
  land
• 48:13
  commissions
• 48:14
  because
• 48:15
  like
• 48:15
  hos.
• 48:16
  Yeah.
• 48:17
  Look,
• 48:17
  I
• 48:17
  get
• 48:17
  it.
• 48:18
  Like,
• 48:18
  let's
• 48:18
  keep
• 48:19
  the
• 48:19
  roof
• 48:20
  looking
• 48:20
  consistent.
• 48:21
  And
• 48:21
  you
• 48:21
  had
• 48:22
  this
• 48:22
  beautiful
• 48:22
  ancient
• 48:23
  clay
• 48:23
  tile
• 48:23
  roof.
• 48:24
  So
• 48:24
  we
• 48:24
  want
• 48:24
  to
• 48:24
  keep
• 48:25
  beautiful
• 48:25
  clay
• 48:25
  tile
• 48:26
  roofs.
• 48:26
  But
• 48:27
  I
• 48:27
  do
• 48:27
  not
• 48:27
  exactly
• 48:28
  understand.
• 48:29
  But
• 48:30
  that
• 48:30
  door
• 48:30
  better,
• 48:31
  better
• 48:31
  be
• 48:31
  made
• 48:31
  of
• 48:31
  wood.
• 48:32
  What
• 48:32
  if
• 48:32
  I
• 48:32
  just
• 48:32
  make
• 48:33
  it
• 48:33
  look
• 48:33
  like
• 48:33
  it's
• 48:33
  wood?
• 48:33
  It's
• 48:34
  wood.
• 48:34
  You
• 48:35
  know,
• 48:35
  what
• 48:35
  if
• 48:35
  I
• 48:35
  want
• 48:35
  a
• 48:35
  metal
• 48:36
  door?
• 48:36
  Like
• 48:37
  so
• 48:37
  Sometimes
• 48:37
  it
• 48:37
  just
• 48:37
  gets
• 48:38
  extreme.
• 48:38
  But
• 48:39
  I
• 48:39
  will
• 48:39
  say
• 48:39
  this
• 48:39
  is
• 48:39
  one
• 48:40
  of
• 48:40
  the
• 48:40
  areas
• 48:40
  where
• 48:40
  you
• 48:41
  have
• 48:41
  to
• 48:41
  make
• 48:41
  sure
• 48:41
  you
• 48:41
  have
• 48:41
  the
• 48:42
  right
• 48:42
  insurance.
• 48:43
  And
• 48:43
  that's
• 48:43
  that
• 48:43
  law
• 48:43
  and
• 48:44
  ordinance
• 48:44
  coverage
• 48:44
  I
• 48:44
  was
• 48:45
  talking
• 48:45
  about.
• 48:45
  Because
• 48:45
  they'll
• 48:46
  say,
• 48:46
  well,
• 48:47
  hold
• 48:47
  on,
• 48:47
  all
• 48:48
  it's
• 48:48
  going
• 48:48
  to
• 48:48
  really
• 48:48
  cost
• 48:49
  to
• 48:49
  fix
• 48:49
  it
• 48:49
  is
• 48:49
  this.
• 48:49
  But
• 48:50
  you've
• 48:50
  got
• 48:51
  some
• 48:51
  pseudo
• 48:51
  governmental
• 48:52
  agency
• 48:52
  or
• 48:53
  HOA
• 48:53
  telling
• 48:53
  you,
• 48:54
  nope,
• 48:55
  you
• 48:55
  better
• 48:55
  fix
• 48:55
  it
• 48:56
  this
• 48:56
  way.
• 48:56
  And
• 48:56
  it's
• 48:56
  going
• 48:56
  to
• 48:56
  cost
• 48:57
  more.
• 48:57
  And
• 48:57
  they
• 48:57
  say,
• 48:57
  aha.
• 48:59
  So
• 48:59
  that
• 48:59
  difference
• 49:00
  is
• 49:00
  on
• 49:00
  you.
• 49:02
  Yeah,
• 49:03
  that
• 49:03
  makes
• 49:03
  sense.
• 49:03
  Like
• 49:04
  in
• 49:04
  my
• 49:04
  area
• 49:04
  here,
• 49:05
  I
• 49:05
  have
• 49:05
  protected
• 49:05
  trees.
• 49:06
  I've
• 49:06
  got
• 49:06
  300
• 49:07
  year
• 49:07
  old
• 49:07
  trees
• 49:07
  on
• 49:07
  my
• 49:07
  property,
• 49:08
  half
• 49:09
  acre.
• 49:10
  And
• 49:11
  it
• 49:11
  would
• 49:11
  be
• 49:12
  really
• 49:12
  tough
• 49:12
  to
• 49:12
  reconstruct
• 49:13
  this
• 49:13
  house
• 49:14
  because
• 49:14
  some
• 49:14
  of
• 49:14
  the
• 49:14
  trees
• 49:15
  are
• 49:15
  so
• 49:15
  close
• 49:15
  that
• 49:15
  you
• 49:15
  can't
• 49:16
  have.
• 49:16
  You
• 49:17
  couldn't
• 49:17
  put
• 49:17
  a
• 49:17
  house
• 49:17
  within
• 49:17
  10ft
• 49:18
  of
• 49:18
  those
• 49:18
  trees.
• 49:19
  I've
• 49:20
  got
• 49:20
  a
• 49:20
  sweet
• 49:20
  little
• 49:21
  lady,
• 49:21
  I've
• 49:22
  got
• 49:22
  a
• 49:22
  sweet
• 49:22
  little
• 49:22
  old
• 49:22
  lady
• 49:23
  in
• 49:23
  Ohio.
• 49:24
  She's
• 49:25
  got
• 49:25
  a
• 49:25
  small,
• 49:26
  you
• 49:26
  know,
• 49:27
  modest
• 49:28
  house.
• 49:28
  It's
• 49:29
  historic
• 49:29
  though.
• 49:30
  It's
• 49:30
  this
• 49:30
  clay
• 49:31
  tile.
• 49:31
  It's
• 49:31
  pretty
• 49:32
  nothing,
• 49:33
  honestly.
• 49:33
  Great
• 49:33
  to
• 49:34
  look
• 49:34
  at.
• 49:34
  It
• 49:34
  was
• 49:34
  kind
• 49:34
  of
• 49:34
  looking
• 49:35
  old.
• 49:35
  Hailstorm
• 49:36
  comes
• 49:36
  through,
• 49:36
  thrashes
• 49:37
  it
• 49:37
  ruins
• 49:38
  it.
• 49:40
  She
• 49:41
  could
• 49:41
  get
• 49:41
  for
• 49:41
  like
• 49:41
  75
• 49:42
  grand,
• 49:42
  she
• 49:42
  could
• 49:43
  get
• 49:43
  a
• 49:43
  new
• 49:43
  clay
• 49:43
  tile
• 49:43
  roof
• 49:44
  installed
• 49:44
  on
• 49:45
  that
• 49:45
  roof.
• 49:45
  It's
• 49:45
  what
• 49:45
  we
• 49:46
  call
• 49:46
  in
• 49:46
  production
• 49:47
  by
• 49:48
  the
• 49:48
  same
• 49:48
  manufacturer,
• 49:49
  everything.
• 49:50
  Problem
• 49:51
  is
• 49:51
  that
• 49:51
  historic
• 49:52
  commission
• 49:52
  doesn't
• 49:53
  want
• 49:53
  that.
• 49:54
  They
• 49:54
  want
• 49:54
  a
• 49:54
  recreation
• 49:55
  of
• 49:55
  that
• 49:55
  exact
• 49:56
  tile,
• 49:57
  that
• 49:57
  profile,
• 49:57
  that
• 49:58
  everything.
• 49:59
  So
• 49:59
  we
• 49:59
  have
• 49:59
  to,
• 50:00
  and
• 50:00
  this
• 50:00
  is
• 50:00
  how
• 50:00
  crazy
• 50:01
  it
• 50:01
  gets,
• 50:01
  right?
• 50:01
  We
• 50:02
  have
• 50:02
  to
• 50:02
  take
• 50:02
  that
• 50:02
  tile,
• 50:03
  send
• 50:03
  that
• 50:03
  back
• 50:04
  to
• 50:04
  the
• 50:04
  manufacturer,
• 50:05
  have
• 50:05
  the
• 50:05
  manufacturer
• 50:06
  make
• 50:06
  a
• 50:06
  mold
• 50:07
  of
• 50:07
  that
• 50:07
  tile
• 50:07
  and
• 50:07
  they
• 50:08
  have
• 50:08
  to
• 50:08
  hand
• 50:08
  pore
• 50:09
  every
• 50:10
  single
• 50:11
  shingle
• 50:11
  on.
• 50:12
  Oh,
• 50:12
  that's
• 50:12
  expensive
• 50:13
  roof.
• 50:13
  Yeah,
• 50:14
  380
• 50:14
  grand.
• 50:16
  And
• 50:17
  you
• 50:17
  know,
• 50:17
  the
• 50:17
  carrier's
• 50:17
  like,
• 50:18
  well,
• 50:18
  why
• 50:18
  is
• 50:18
  this
• 50:18
  my
• 50:18
  problem?
• 50:19
  And
• 50:19
  I'm
• 50:19
  like,
• 50:19
  well
• 50:19
  why
• 50:20
  is
• 50:20
  it
• 50:20
  hers?
• 50:21
  You
• 50:21
  know,
• 50:21
  and
• 50:21
  she
• 50:22
  had,
• 50:22
  she
• 50:22
  had
• 50:22
  ordinance
• 50:23
  and
• 50:23
  law
• 50:23
  coverage,
• 50:24
  thankfully.
• 50:24
  And
• 50:24
  like,
• 50:25
  look,
• 50:25
  I
• 50:25
  don't
• 50:25
  want
• 50:26
  to
• 50:26
  be,
• 50:26
  I
• 50:26
  don't
• 50:27
  want
• 50:27
  anyone
• 50:27
  to
• 50:27
  hand
• 50:27
  pour
• 50:28
  a
• 50:28
  bunch
• 50:28
  of
• 50:28
  tiles
• 50:28
  for
• 50:29
  this
• 50:29
  house.
• 50:29
  Seems
• 50:30
  silly
• 50:30
  to
• 50:30
  me,
• 50:31
  but
• 50:31
  has
• 50:32
  anyone
• 50:32
  ever
• 50:32
  tried
• 50:33
  to
• 50:33
  change
• 50:33
  a
• 50:33
  historic
• 50:33
  commission's
• 50:34
  mind?
• 50:34
  That
• 50:34
  is
• 50:35
  crazier
• 50:35
  than
• 50:35
  just
• 50:36
  about
• 50:36
  anything
• 50:36
  you
• 50:36
  can
• 50:36
  do.
• 50:38
  They
• 50:38
  do
• 50:38
  not
• 50:38
  Budge.
• 50:40
  No,
• 50:41
  no.
• 50:41
  I've
• 50:41
  watched
• 50:42
  plenty
• 50:42
  of
• 50:42
  TV
• 50:42
  shows
• 50:43
  and
• 50:43
  I've
• 50:43
  heard
• 50:43
  my
• 50:43
  friends
• 50:44
  over
• 50:44
  at
• 50:44
  this
• 50:44
  old
• 50:44
  house
• 50:45
  have
• 50:45
  told
• 50:45
  me
• 50:45
  some
• 50:46
  stories
• 50:46
  over
• 50:46
  there
• 50:46
  as
• 50:46
  well
• 50:47
  of
• 50:47
  just
• 50:48
  having
• 50:48
  to
• 50:48
  deal
• 50:49
  with
• 50:49
  those
• 50:49
  things
• 50:50
  of
• 50:50
  you
• 50:51
  can't
• 50:51
  put
• 50:51
  white
• 50:51
  curtains.
• 50:52
  They
• 50:52
  have
• 50:52
  to
• 50:52
  be
• 50:53
  cream,
• 50:53
  you
• 50:54
  know.
• 50:54
  Oh,
• 50:55
  yeah.
• 50:55
  They
• 50:55
  were
• 50:55
  like,
• 50:55
  you
• 50:55
  need
• 50:55
  to
• 50:56
  match
• 50:56
  the
• 50:56
  color.
• 50:56
  And
• 50:56
  I
• 50:56
  was
• 50:57
  like,
• 50:57
  which
• 50:57
  color
• 50:58
  is
• 50:58
  that?
• 50:58
  The
• 50:58
  color
• 50:58
  it
• 50:59
  was
• 50:59
  70
• 50:59
  years
• 50:59
  ago
• 51:00
  or
• 51:00
  the
• 51:00
  old
• 51:00
  color?
• 51:01
  You
• 51:01
  tell
• 51:01
  me
• 51:02
  you
• 51:02
  want
• 51:02
  it
• 51:02
  looking
• 51:02
  old
• 51:03
  in
• 51:03
  age
• 51:03
  now
• 51:03
  or
• 51:03
  you
• 51:04
  want
• 51:04
  it
• 51:04
  looking
• 51:04
  how
• 51:04
  it
• 51:04
  did
• 51:05
  when
• 51:05
  it
• 51:05
  was
• 51:05
  installed?
• 51:06
  Because
• 51:06
  I
• 51:06
  don't
• 51:06
  even
• 51:07
  understand
• 51:07
  what
• 51:07
  you
• 51:07
  mean
• 51:07
  by
• 51:08
  it
• 51:08
  needs
• 51:08
  to
• 51:08
  color
• 51:08
  match.
• 51:09
  Oh,
• 51:10
  crazy.
• 51:12
  So
• 51:12
  what
• 51:12
  are
• 51:12
  some
• 51:13
  of
• 51:13
  the
• 51:13
  warning
• 51:13
  signs
• 51:13
  that
• 51:13
  you
• 51:14
  would
• 51:14
  give
• 51:14
  to
• 51:14
  people
• 51:14
  out
• 51:14
  there
• 51:14
  as
• 51:15
  well?
• 51:15
  I
• 51:15
  know
• 51:15
  there's.
• 51:16
  We're
• 51:16
  not
• 51:16
  going
• 51:16
  to
• 51:16
  talk
• 51:16
  brands
• 51:17
  here
• 51:17
  because
• 51:17
  I
• 51:17
  know
• 51:17
  there's
• 51:18
  some
• 51:18
  brands
• 51:18
  that
• 51:18
  I've
• 51:18
  worked
• 51:18
  with
• 51:19
  and
• 51:19
  homeowners
• 51:20
  insurance
• 51:20
  that
• 51:20
  I've
• 51:20
  on.
• 51:21
  Oh,
• 51:21
  that
• 51:21
  was
• 51:21
  a
• 51:21
  nightmare.
• 51:22
  But
• 51:22
  what
• 51:23
  are
• 51:23
  some
• 51:23
  of
• 51:23
  the
• 51:23
  warning
• 51:23
  signs
• 51:24
  you'd
• 51:24
  give
• 51:24
  for
• 51:25
  somebody
• 51:25
  out
• 51:25
  there
• 51:25
  shopping
• 51:26
  that
• 51:26
  they
• 51:26
  should
• 51:26
  pay
• 51:26
  attention
• 51:27
  to?
• 51:28
  Yeah.
• 51:28
  So
• 51:30
  insurance
• 51:30
  is
• 51:31
  weird.
• 51:31
  The
• 51:32
  way
• 51:32
  it
• 51:32
  works
• 51:32
  is
• 51:32
  as
• 51:33
  any
• 51:33
  of
• 51:33
  you
• 51:33
  that
• 51:33
  have
• 51:34
  bought
• 51:34
  it,
• 51:34
  but
• 51:34
  for
• 51:34
  those
• 51:35
  of
• 51:35
  you
• 51:35
  that
• 51:35
  might
• 51:35
  be
• 51:35
  about
• 51:35
  to
• 51:35
  purchase
• 51:36
  your
• 51:36
  first
• 51:36
  house,
• 51:36
  get
• 51:37
  ready
• 51:37
  because
• 51:37
  it's
• 51:37
  crazy.
• 51:38
  You
• 51:38
  talk
• 51:39
  to
• 51:39
  an
• 51:39
  agent,
• 51:39
  they
• 51:40
  basically
• 51:40
  tell
• 51:40
  you
• 51:40
  what
• 51:40
  kind
• 51:41
  of
• 51:41
  coverage
• 51:41
  they'll
• 51:41
  offer
• 51:41
  you.
• 51:42
  Usually
• 51:42
  they
• 51:42
  just
• 51:42
  speak
• 51:43
  flat
• 51:43
  numbers.
• 51:44
  You
• 51:45
  buy
• 51:45
  it,
• 51:45
  you
• 51:45
  pay
• 51:45
  them,
• 51:46
  and
• 51:46
  then
• 51:47
  you
• 51:47
  get
• 51:47
  this
• 51:47
  thick
• 51:47
  policy
• 51:48
  in
• 51:48
  the
• 51:48
  mail
• 51:48
  that's
• 51:48
  like,
• 51:48
  here's
• 51:49
  everything
• 51:49
  you've
• 51:49
  agreed
• 51:49
  to.
• 51:49
  Thank
• 51:50
  you,
• 51:50
  Have
• 51:50
  a
• 51:50
  great
• 51:50
  day.
• 51:51
  And
• 51:51
  you're
• 51:51
  like,
• 51:52
  no
• 51:52
  one
• 51:52
  ever
• 51:52
  reads.
• 51:52
  It,
• 51:53
  told
• 51:53
  me
• 51:53
  any
• 51:53
  of
• 51:53
  this.
• 51:53
  Right?
• 51:54
  So
• 51:55
  feel
• 51:55
  free
• 51:55
  to
• 51:55
  ask
• 51:55
  to
• 51:55
  see
• 51:55
  the
• 51:56
  policy.
• 51:56
  They
• 51:56
  will
• 51:56
  look
• 51:57
  at
• 51:57
  you
• 51:57
  like
• 51:57
  you
• 51:57
  just
• 51:58
  like
• 51:59
  spoken
• 51:59
  tongues
• 52:00
  or
• 52:00
  something.
• 52:01
  But
• 52:01
  you
• 52:01
  can
• 52:01
  actually
• 52:02
  see
• 52:02
  the
• 52:02
  policy.
• 52:03
  They
• 52:03
  have
• 52:03
  to
• 52:03
  give
• 52:03
  it
• 52:03
  to
• 52:03
  you.
• 52:04
  You
• 52:04
  don't
• 52:04
  have
• 52:04
  to
• 52:05
  buy
• 52:05
  it
• 52:05
  and
• 52:05
  then
• 52:05
  find
• 52:05
  out
• 52:05
  what
• 52:06
  it
• 52:06
  says
• 52:06
  later.
• 52:06
  I
• 52:06
  would
• 52:07
  do
• 52:07
  that.
• 52:08
  I'd
• 52:08
  work
• 52:09
  with
• 52:09
  your
• 52:09
  agent.
• 52:09
  Find
• 52:10
  an
• 52:10
  agent
• 52:10
  you
• 52:10
  actually
• 52:11
  like.
• 52:11
  I
• 52:12
  so
• 52:12
  many
• 52:13
  people
• 52:13
  in
• 52:13
  my
• 52:13
  industry
• 52:13
  are
• 52:13
  like,
• 52:14
  hate
• 52:14
  agents.
• 52:14
  I
• 52:14
  love
• 52:15
  agents.
• 52:15
  I
• 52:16
  just
• 52:16
  think
• 52:16
  some
• 52:16
  of
• 52:16
  them
• 52:16
  are
• 52:16
  lazy,
• 52:17
  just
• 52:17
  like
• 52:17
  some
• 52:18
  of
• 52:18
  everyone
• 52:18
  is
• 52:18
  lazy.
• 52:19
  They're
• 52:19
  lazy
• 52:19
  lawyers,
• 52:19
  lazy
• 52:20
  doctors,
• 52:20
  you
• 52:21
  know.
• 52:21
  So
• 52:21
  find
• 52:21
  a
• 52:22
  good
• 52:22
  agent
• 52:22
  who's
• 52:22
  going
• 52:23
  to
• 52:23
  actually
• 52:23
  sit
• 52:23
  down
• 52:23
  with
• 52:24
  you,
• 52:24
  sitting,
• 52:24
  spend
• 52:24
  the
• 52:24
  time
• 52:25
  with
• 52:25
  you,
• 52:26
  explain
• 52:26
  the
• 52:26
  coverages
• 52:27
  to
• 52:27
  you.
• 52:28
  Independent
• 52:29
  agents,
• 52:29
  we
• 52:30
  have
• 52:30
  like
• 52:30
  captive
• 52:30
  and
• 52:30
  independent.
• 52:31
  A
• 52:31
  captive
• 52:31
  agent
• 52:32
  is
• 52:32
  one
• 52:32
  that
• 52:32
  look
• 52:32
  like,
• 52:32
  let's
• 52:32
  say
• 52:32
  they're
• 52:33
  a
• 52:33
  State
• 52:33
  Farm
• 52:33
  agent.
• 52:34
  Right.
• 52:34
  Independents
• 52:35
  will
• 52:35
  write
• 52:35
  for
• 52:35
  multiple
• 52:36
  companies.
• 52:37
  I
• 52:38
  like
• 52:38
  independent
• 52:38
  agents
• 52:39
  because
• 52:39
  they
• 52:39
  also,
• 52:40
  if
• 52:40
  they're
• 52:40
  good,
• 52:41
  will
• 52:41
  be
• 52:41
  like,
• 52:41
  well,
• 52:41
  let
• 52:41
  me
• 52:42
  Tell
• 52:42
  you
• 52:42
  what
• 52:42
  I'm
• 52:42
  seeing
• 52:42
  in
• 52:42
  the
• 52:43
  market,
• 52:43
  this
• 52:43
  carrier
• 52:44
  has
• 52:44
  been
• 52:44
  riding
• 52:44
  really
• 52:44
  aggressively
• 52:45
  and
• 52:45
  dropping
• 52:46
  their
• 52:46
  costs
• 52:46
  lately.
• 52:47
  This
• 52:47
  one,
• 52:48
  it
• 52:48
  keeps
• 52:48
  trending
• 52:49
  up
• 52:49
  and
• 52:49
  I
• 52:49
  keep
• 52:49
  hearing
• 52:50
  horror
• 52:50
  stories
• 52:50
  about
• 52:50
  the
• 52:50
  claims.
• 52:51
  Like,
• 52:51
  so
• 52:51
  a
• 52:52
  really
• 52:52
  good
• 52:52
  agent
• 52:52
  will
• 52:53
  kind
• 52:53
  of
• 52:53
  walk
• 52:53
  you
• 52:53
  through
• 52:53
  all
• 52:54
  that.
• 52:54
  And
• 52:55
  look,
• 52:55
  if
• 52:56
  you
• 52:56
  get
• 52:56
  in
• 52:56
  and
• 52:56
  it's
• 52:56
  just
• 52:57
  like
• 52:57
  the
• 52:57
  hustle.
• 52:57
  Sign,
• 52:57
  sign,
• 52:58
  sign,
• 52:58
  walk
• 52:59
  away
• 52:59
  and
• 52:59
  find
• 52:59
  another
• 52:59
  one
• 53:00
  there.
• 53:00
  These
• 53:00
  agents
• 53:01
  make
• 53:01
  commission.
• 53:02
  And
• 53:02
  I
• 53:02
  promise
• 53:03
  you,
• 53:03
  the
• 53:04
  good
• 53:04
  agents,
• 53:04
  like,
• 53:04
  rise
• 53:05
  to
• 53:05
  the
• 53:05
  top
• 53:05
  by
• 53:05
  initially
• 53:06
  starting
• 53:06
  with
• 53:06
  really
• 53:07
  good,
• 53:07
  detailed
• 53:08
  customer
• 53:08
  service.
• 53:08
  And
• 53:09
  they
• 53:09
  usually
• 53:09
  have
• 53:09
  a
• 53:10
  couple
• 53:10
  of,
• 53:10
  like,
• 53:10
  superstars
• 53:11
  in
• 53:11
  their
• 53:11
  office
• 53:11
  who
• 53:12
  are
• 53:12
  trying
• 53:12
  to
• 53:12
  become
• 53:12
  agents
• 53:12
  themselves.
• 53:13
  So
• 53:14
  they
• 53:14
  also
• 53:14
  are
• 53:14
  picking
• 53:15
  up
• 53:15
  that,
• 53:16
  you
• 53:16
  know,
• 53:16
  that
• 53:16
  same
• 53:16
  mentality
• 53:17
  of,
• 53:17
  like,
• 53:17
  good,
• 53:18
  solid
• 53:18
  customer
• 53:19
  service.
• 53:19
  They'll
• 53:20
  do
• 53:20
  that
• 53:20
  for
• 53:20
  you
• 53:21
  because
• 53:21
  they
• 53:21
  want
• 53:21
  you
• 53:22
  to
• 53:22
  be
• 53:22
  their
• 53:22
  customer
• 53:22
  for
• 53:23
  life,
• 53:23
  because
• 53:23
  they
• 53:23
  get
• 53:23
  residuals
• 53:24
  forever
• 53:25
  on
• 53:25
  the
• 53:25
  insurance
• 53:26
  you
• 53:26
  purchase.
• 53:26
  And
• 53:26
  then
• 53:27
  eventually,
• 53:27
  when
• 53:27
  they
• 53:27
  want
• 53:27
  to
• 53:28
  retire,
• 53:28
  they
• 53:29
  can
• 53:29
  sell
• 53:29
  their
• 53:29
  entire
• 53:30
  business
• 53:30
  and
• 53:30
  that
• 53:30
  includes
• 53:31
  you.
• 53:32
  So
• 53:32
  they
• 53:32
  will
• 53:33
  work
• 53:33
  with
• 53:33
  you.
• 53:33
  But
• 53:33
  you
• 53:33
  have
• 53:34
  to
• 53:34
  have
• 53:34
  the
• 53:34
  guts
• 53:34
  to
• 53:34
  demand
• 53:35
  quality
• 53:35
  service.
• 53:37
  And
• 53:37
  that's
• 53:38
  so
• 53:38
  much
• 53:38
  better
• 53:38
  than
• 53:39
  jumping
• 53:39
  online
• 53:39
  and,
• 53:40
  and
• 53:41
  filling
• 53:41
  out
• 53:42
  the
• 53:42
  form
• 53:42
  and
• 53:42
  getting
• 53:42
  the
• 53:42
  stuff
• 53:43
  in
• 53:43
  the
• 53:43
  mail.
• 53:44
  Yeah,
• 53:44
  I
• 53:44
  mean,
• 53:44
  no
• 53:44
  one's
• 53:45
  really
• 53:45
  explaining
• 53:45
  this
• 53:45
  to
• 53:46
  you.
• 53:46
  They're
• 53:46
  just,
• 53:47
  they're
• 53:47
  just
• 53:47
  sending
• 53:48
  you
• 53:48
  something.
• 53:48
  And
• 53:49
  look,
• 53:49
  I'm
• 53:49
  big
• 53:50
  fan
• 53:50
  of
• 53:50
  Internet
• 53:51
  online
• 53:51
  forms,
• 53:51
  automation,
• 53:52
  but
• 53:52
  this
• 53:53
  is
• 53:53
  something
• 53:53
  you
• 53:53
  want
• 53:53
  to
• 53:54
  understand.
• 53:56
  Amen.
• 53:57
  Amen.
• 53:58
  Galen,
• 53:58
  thanks
• 53:59
  for
• 53:59
  coming
• 53:59
  on
• 53:59
  today.
• 53:59
  Is
• 54:00
  there
• 54:00
  anything
• 54:00
  that
• 54:00
  we
• 54:00
  didn't
• 54:01
  cover
• 54:01
  today
• 54:01
  that
• 54:01
  we
• 54:01
  should
• 54:01
  be
• 54:02
  talking
• 54:02
  about?
• 54:03
  No,
• 54:03
  I
• 54:03
  think
• 54:03
  we
• 54:03
  hit
• 54:04
  it.
• 54:04
  You
• 54:04
  know,
• 54:04
  I
• 54:05
  know
• 54:05
  especially
• 54:05
  when
• 54:06
  you're
• 54:06
  dealing
• 54:06
  with
• 54:06
  kind
• 54:06
  of
• 54:06
  fixing
• 54:07
  things,
• 54:07
  renovating,
• 54:07
  remodeling,
• 54:09
  just
• 54:09
  make
• 54:09
  sure
• 54:09
  that
• 54:10
  you
• 54:10
  keep
• 54:10
  an
• 54:10
  eye
• 54:10
  out
• 54:10
  for
• 54:10
  these
• 54:11
  types
• 54:11
  of
• 54:11
  things.
• 54:11
  Like,
• 54:12
  you
• 54:12
  will
• 54:12
  find
• 54:12
  damage,
• 54:13
  you'll
• 54:13
  find
• 54:13
  old
• 54:13
  things,
• 54:14
  and,
• 54:14
  you
• 54:15
  know,
• 54:15
  make
• 54:15
  sure
• 54:15
  you're
• 54:15
  fixing
• 54:16
  things,
• 54:16
  documenting,
• 54:17
  repairing,
• 54:17
  documenting
• 54:18
  all
• 54:18
  that
• 54:18
  stuff.
• 54:19
  And
• 54:19
  I
• 54:19
  mean,
• 54:19
  I
• 54:19
  promise
• 54:20
  you,
• 54:20
  if
• 54:20
  you
• 54:20
  keep
• 54:20
  your
• 54:20
  wits
• 54:21
  about
• 54:21
  you,
• 54:22
  use
• 54:22
  like
• 54:22
  just
• 54:22
  kind
• 54:22
  of
• 54:23
  these
• 54:23
  few
• 54:23
  tests
• 54:23
  that
• 54:23
  we
• 54:24
  walked
• 54:24
  through,
• 54:24
  like,
• 54:24
  you
• 54:24
  can
• 54:25
  navigate
• 54:25
  just
• 54:25
  about
• 54:26
  any
• 54:26
  situation.
• 54:28
  Nice,
• 54:28
  man.
• 54:29
  Where's
• 54:29
  the
• 54:29
  best
• 54:30
  place
• 54:30
  for
• 54:30
  people
• 54:30
  to
• 54:30
  track
• 54:31
  you
• 54:31
  down
• 54:31
  if
• 54:31
  they
• 54:31
  go,
• 54:32
  oh,
• 54:32
  my
• 54:32
  gosh,
• 54:32
  I
• 54:32
  just
• 54:32
  had
• 54:33
  a
• 54:33
  big,
• 54:33
  huge
• 54:33
  event
• 54:34
  and
• 54:34
  I
• 54:34
  need
• 54:34
  help?
• 54:35
  Yeah,
• 54:36
  sure.
• 54:36
  Insurance
• 54:37
  claim
• 54:37
  HQ.
• 54:38
  So
• 54:38
  that's
• 54:38
  like
• 54:38
  insurance
• 54:39
  claim
• 54:39
  headquarters,
• 54:40
  insurance
• 54:40
  claim
• 54:40
  HQ.
• 54:43
  And
• 54:43
  then
• 54:43
  you
• 54:43
  also
• 54:44
  can
• 54:44
  call
• 54:44
  844-claim-84,
• 54:47
  like
• 54:48
  24.
• 54:48
  7.
• 54:48
  We'll
• 54:48
  answer
• 54:49
  that
• 54:49
  phone.
• 54:49
  And
• 54:50
  then
• 54:50
  we're
• 54:50
  on
• 54:50
  all
• 54:50
  the,
• 54:51
  you
• 54:51
  know,
• 54:51
  all
• 54:51
  the
• 54:52
  cool
• 54:52
  kids
• 54:52
  social
• 54:52
  media
• 54:53
  these
• 54:53
  days,
• 54:53
  but,
• 54:54
  but
• 54:55
  we
• 54:55
  actually
• 54:55
  respond.
• 54:56
  So,
• 54:56
  you
• 54:57
  know,
• 54:57
  that's
• 54:57
  kind
• 54:57
  of
• 54:57
  fun.
• 54:58
  Even
• 54:58
  better.
• 54:59
  Even
• 54:59
  better.
• 55:00
  Well,
• 55:00
  brother,
• 55:00
  thanks
• 55:01
  for
• 55:01
  coming
• 55:01
  on
• 55:01
  today.
• 55:01
  And
• 55:02
  we'll
• 55:02
  bring
• 55:02
  you
• 55:02
  back
• 55:02
  in
• 55:02
  later
• 55:03
  and
• 55:03
  deal
• 55:04
  other
• 55:05
  stuff,
• 55:05
  because
• 55:06
  this
• 55:06
  is
• 55:06
  just
• 55:06
  the
• 55:06
  beginning
• 55:06
  of
• 55:07
  these
• 55:07
  topics
• 55:08
  because
• 55:08
  there's
• 55:09
  a
• 55:09
  lot
• 55:09
  for
• 55:09
  everybody
• 55:09
  to
• 55:09
  learn.
• 55:10
  Thanks,
• 55:10
  man.
• 55:10
  Thanks
• 55:10
  for
• 55:10
  having
• 55:11
  me.
• 55:11
  It
• 55:11
  was
• 55:11
  great.
• 55:11
  All
• 55:12
  right,
• 55:12
  guys.
• 55:12
  And
• 55:12
  you've
• 55:12
  been
• 55:12
  listening
• 55:13
  to
• 55:14
  around
• 55:14
  the
• 55:14
  House.