1 00:00:00,040 --> 00:00:33,600 Speaker 1: All right, the weekend is upon us, and welcome. 2 00:00:33,640 --> 00:00:35,920 Speaker 2: You're at home with Gary Sullivan. Another weekend, getting a 3 00:00:35,920 --> 00:00:39,239 Speaker 2: few things done around the home. And uh, I'll tell 4 00:00:39,240 --> 00:00:41,520 Speaker 2: you what. Where I'm at, winter is hit. We got 5 00:00:41,600 --> 00:00:43,960 Speaker 2: single digits and maybe you do the same. 6 00:00:45,040 --> 00:00:48,879 Speaker 3: And right, three degrees here at our studios. 7 00:00:49,040 --> 00:00:49,560 Speaker 2: Three degrees. 8 00:00:49,680 --> 00:00:50,800 Speaker 4: Yeah, it's a heat wave. 9 00:00:50,840 --> 00:00:54,360 Speaker 2: It's cold. It's cold. It's cold. We've been we've been 10 00:00:54,360 --> 00:00:56,720 Speaker 2: saying for the last three months. It's gonna get cold. 11 00:00:57,400 --> 00:01:01,240 Speaker 2: Maybe not three degrees, but it's gonna get cold. So maybe, 12 00:01:01,640 --> 00:01:03,319 Speaker 2: as I look at the weather man, we got wind 13 00:01:03,440 --> 00:01:05,480 Speaker 2: chills all the way up to the Chicago land in 14 00:01:05,520 --> 00:01:09,959 Speaker 2: the twenties, so coming, you know, it's going to be 15 00:01:10,000 --> 00:01:12,520 Speaker 2: getting to the east coast of It's not already there. 16 00:01:12,680 --> 00:01:15,880 Speaker 2: It's been in the northwest. So you know, maybe a 17 00:01:15,920 --> 00:01:18,840 Speaker 2: good thing today is to let's just make sure all 18 00:01:18,880 --> 00:01:21,160 Speaker 2: the fawcets work. I did it last night before I 19 00:01:21,200 --> 00:01:24,640 Speaker 2: went to bed. Never hurts. I didn't think I had 20 00:01:24,800 --> 00:01:29,240 Speaker 2: any problemaries. I thought I had addressed them all, but again, 21 00:01:29,319 --> 00:01:34,280 Speaker 2: you never really know. Things change. And I went around 22 00:01:34,360 --> 00:01:39,320 Speaker 2: and uh went upstairs, which is not used much anymore. 23 00:01:40,520 --> 00:01:44,080 Speaker 2: Check the bathtub, turn on the faucets and the vanities, 24 00:01:44,200 --> 00:01:46,520 Speaker 2: just kind of make sure everything's working at all the 25 00:01:46,560 --> 00:01:52,960 Speaker 2: fawcet points. And they did, so that was good, and 26 00:01:53,040 --> 00:01:56,280 Speaker 2: I might encourage you to do the same. You know 27 00:01:56,400 --> 00:02:03,320 Speaker 2: that water freezes in pipes usually in cross spaces, uh 28 00:02:05,120 --> 00:02:11,160 Speaker 2: maybe garages in some cases crawl spaces. Go outside walls, 29 00:02:11,240 --> 00:02:14,640 Speaker 2: underneath cabinet tree if you have an area like that, 30 00:02:14,720 --> 00:02:20,920 Speaker 2: get those doors open, maybe even clamp a little light 31 00:02:21,520 --> 00:02:25,880 Speaker 2: floodlight fixture and get a you know, a heat bulb 32 00:02:26,440 --> 00:02:29,480 Speaker 2: just where it shoots out some infra red heat just 33 00:02:29,520 --> 00:02:31,519 Speaker 2: to get some warmth back there. So we don't get 34 00:02:31,560 --> 00:02:37,240 Speaker 2: any frozen pipes. But do a checkover, because the one 35 00:02:37,280 --> 00:02:39,680 Speaker 2: thing you don't want to have is you don't want 36 00:02:39,680 --> 00:02:43,480 Speaker 2: to have a frozen pipe that you don't know that's frozen. 37 00:02:43,520 --> 00:02:47,960 Speaker 2: And the reason for that is as that water in 38 00:02:47,960 --> 00:02:55,800 Speaker 2: that pipe freezes, it expands, and as it expands, the 39 00:02:55,960 --> 00:03:00,240 Speaker 2: risk of a loose connection certainly develops, the risk of 40 00:03:00,320 --> 00:03:06,200 Speaker 2: a split pipe certainly develops. So that's why you want 41 00:03:06,200 --> 00:03:09,600 Speaker 2: to check to make sure everything's working. If it's not working, fine, 42 00:03:09,680 --> 00:03:13,720 Speaker 2: we can start working on falling that out. And I'm 43 00:03:13,760 --> 00:03:17,160 Speaker 2: not talking about with a propane torch. I would never 44 00:03:17,280 --> 00:03:21,359 Speaker 2: recommend that a heat gun. Yes, if it's copper pipe, 45 00:03:23,160 --> 00:03:27,680 Speaker 2: a hair dryer. I've heard people say heating pads. I've 46 00:03:27,760 --> 00:03:32,240 Speaker 2: never used a heating pad. Certainly you'd want to be careful. 47 00:03:32,280 --> 00:03:37,640 Speaker 2: We could do do and could have water involved, so 48 00:03:37,640 --> 00:03:41,160 Speaker 2: I've always been a little skeptical of that. But any 49 00:03:41,200 --> 00:03:46,280 Speaker 2: way to introduce some heat to it and you know, 50 00:03:47,400 --> 00:03:51,480 Speaker 2: diminish that risk of more of that water freezing and 51 00:03:51,680 --> 00:03:57,680 Speaker 2: more expansion on that pipe and risking the possibility of 52 00:03:57,760 --> 00:04:04,520 Speaker 2: its splitting. Because in your homeowner's policy, you know, they 53 00:04:04,600 --> 00:04:07,720 Speaker 2: may carry that. But if it's a frozen pipe and 54 00:04:07,760 --> 00:04:10,400 Speaker 2: you didn't really do anything about it, like shutting off 55 00:04:10,480 --> 00:04:16,120 Speaker 2: water to that area, maybe that policy doesn't cover you. 56 00:04:17,560 --> 00:04:21,720 Speaker 2: So you got to take action, and you gotta, you know, 57 00:04:21,839 --> 00:04:24,880 Speaker 2: find out what's going on in your home. But again, 58 00:04:25,040 --> 00:04:27,560 Speaker 2: you don't have to get ladders out. You just walk around, 59 00:04:27,600 --> 00:04:31,920 Speaker 2: turn the bathtub on, flush the toilets, turn on the sink, 60 00:04:32,000 --> 00:04:36,920 Speaker 2: and just make sure everything's functioning. So that would be 61 00:04:36,960 --> 00:04:39,760 Speaker 2: an assignment if you're in a cold weather climate. And 62 00:04:40,200 --> 00:04:44,719 Speaker 2: as I look at the map, it looks like most 63 00:04:44,760 --> 00:04:49,200 Speaker 2: of us are, at least for this weekend, So let's 64 00:04:49,279 --> 00:04:51,680 Speaker 2: definitely take care of business here. Let me give you 65 00:04:51,720 --> 00:04:56,680 Speaker 2: the phone number, happy to talk insulation ventilation. I know 66 00:04:56,800 --> 00:04:59,000 Speaker 2: that sounds weird this time a year, but ventilation is 67 00:04:59,040 --> 00:05:01,840 Speaker 2: also real critical. In fact, I had some of the 68 00:05:01,880 --> 00:05:04,839 Speaker 2: other days. Well why is ventilation is so important? You 69 00:05:04,880 --> 00:05:08,880 Speaker 2: know in the wintertime. Well, let's just think about this 70 00:05:08,920 --> 00:05:12,320 Speaker 2: for a second. If your house is nice and comfy 71 00:05:12,360 --> 00:05:17,800 Speaker 2: and it's in the seventies, and it starts that heat 72 00:05:17,920 --> 00:05:22,320 Speaker 2: rises and it gets in the attic. I'm not saying 73 00:05:22,360 --> 00:05:23,920 Speaker 2: it's gonna be hot in the attic. I'm not saying 74 00:05:23,960 --> 00:05:26,280 Speaker 2: it's gonna be seventy in the attic. But if you 75 00:05:26,320 --> 00:05:30,119 Speaker 2: don't have good ventilation, you're gonna be surrounded by walls 76 00:05:30,120 --> 00:05:31,880 Speaker 2: that are very very cold and the roof that's very 77 00:05:31,960 --> 00:05:34,120 Speaker 2: very cold, and you gonna have warm air in the attic. 78 00:05:34,440 --> 00:05:38,520 Speaker 2: And what happens then when it hits cold surfaces condensation. 79 00:05:39,320 --> 00:05:42,560 Speaker 2: You've heard me talk about that. I've seen addicts where 80 00:05:42,600 --> 00:05:45,080 Speaker 2: it looks like it's rain in the attic before, or 81 00:05:45,120 --> 00:05:52,039 Speaker 2: maybe the bathroom fan is pumping that wet, warm air 82 00:05:52,200 --> 00:05:54,800 Speaker 2: into the attic and it hits an attic that's forty 83 00:05:54,800 --> 00:06:00,479 Speaker 2: degrees and it just commensation just starts for me, gets 84 00:06:00,520 --> 00:06:04,320 Speaker 2: the insulation wet, which becomes inefficient. It gets the underside 85 00:06:04,360 --> 00:06:06,800 Speaker 2: of the roof wet, which could cause mold, it could 86 00:06:06,800 --> 00:06:13,280 Speaker 2: cause wood rot. So you know, we do want to 87 00:06:13,320 --> 00:06:15,640 Speaker 2: have ventilation. I'm not asking you go up and ventilate 88 00:06:15,680 --> 00:06:19,159 Speaker 2: your roof today, but that's why we talk about it, 89 00:06:19,279 --> 00:06:24,000 Speaker 2: how important insulation and ventilation is to the healthier home. 90 00:06:24,880 --> 00:06:28,720 Speaker 2: And I'd be happy to answer questions on that. Another thing, 91 00:06:28,760 --> 00:06:30,840 Speaker 2: if you're in an area where you've had some snow, 92 00:06:31,680 --> 00:06:33,440 Speaker 2: we haven't really had any call when we had one 93 00:06:33,560 --> 00:06:37,560 Speaker 2: yesterday about an ice dam, and you know what that is. 94 00:06:37,600 --> 00:06:40,080 Speaker 2: That's just a nice build up on the edge of 95 00:06:40,120 --> 00:06:44,960 Speaker 2: the roof or in the gutters, and that is usually occurring, 96 00:06:46,080 --> 00:06:48,919 Speaker 2: can occur a couple of ways, if it's in a 97 00:06:48,960 --> 00:06:51,719 Speaker 2: real shady area of the roof where it's collecting snow 98 00:06:51,760 --> 00:06:56,679 Speaker 2: and it's not melting and moving it down the gutter 99 00:06:56,760 --> 00:07:02,120 Speaker 2: area and down the down spouts, but really mainly caused 100 00:07:02,160 --> 00:07:08,160 Speaker 2: by lack of insulation in the attic itself. So if 101 00:07:08,160 --> 00:07:13,560 Speaker 2: you've got a snowpack on your whole roof and you 102 00:07:13,560 --> 00:07:18,080 Speaker 2: don't have adequate insulation, heat rises rises. You don't have 103 00:07:18,160 --> 00:07:21,640 Speaker 2: good ventilation. Met you don't have any ventilation, starts warming 104 00:07:21,960 --> 00:07:24,560 Speaker 2: the underside of the roof. On the highest areas of 105 00:07:24,600 --> 00:07:27,840 Speaker 2: the roof, you get a little melt. That water runs 106 00:07:27,880 --> 00:07:33,040 Speaker 2: down in that last In most homes, it's either a 107 00:07:33,120 --> 00:07:37,720 Speaker 2: foot or two feet of overhang, and there is no 108 00:07:37,840 --> 00:07:42,120 Speaker 2: house underneath that, right, So it's very cold. And as 109 00:07:42,160 --> 00:07:45,160 Speaker 2: that water trickles down underneath the snowpack, it gets to 110 00:07:45,200 --> 00:07:49,480 Speaker 2: that edge and boom, it freezes, builds an ice dam. 111 00:07:50,040 --> 00:07:52,600 Speaker 2: So I always talk about it as you drive through 112 00:07:52,760 --> 00:07:56,120 Speaker 2: in the wintertime. If you had a snow and all 113 00:07:56,200 --> 00:08:00,640 Speaker 2: the roofs have a nice snowpack on it, but you 114 00:08:00,680 --> 00:08:03,960 Speaker 2: get to your house and the top third is just shingles, 115 00:08:05,360 --> 00:08:09,560 Speaker 2: it's probably telling you don't have real good insulation. And 116 00:08:09,600 --> 00:08:15,640 Speaker 2: by having that top part snow free or melting, that's 117 00:08:15,720 --> 00:08:19,320 Speaker 2: going to cause you an ice stam as it works, 118 00:08:19,360 --> 00:08:23,720 Speaker 2: that water works down to the overhang area. So pay 119 00:08:23,760 --> 00:08:27,320 Speaker 2: attention to snow melt on your roof. Compare to other 120 00:08:27,360 --> 00:08:31,440 Speaker 2: people in your neighborhood. All right, again, that phone number, 121 00:08:31,440 --> 00:08:33,760 Speaker 2: happy to chat, We're going to talk about your home. 122 00:08:33,800 --> 00:08:38,280 Speaker 2: It's eight hundred eight two three eight two five five 123 00:08:38,360 --> 00:08:40,240 Speaker 2: we're gonna have a couple guests. We're going to talk 124 00:08:40,240 --> 00:08:46,440 Speaker 2: about homeowner's insurance. We're also going to talk to a 125 00:08:46,559 --> 00:08:50,440 Speaker 2: CEO of I think it's Floors Direct. I have that note, 126 00:08:50,480 --> 00:08:52,319 Speaker 2: but I don't have a ring from me, and we're 127 00:08:52,360 --> 00:08:56,120 Speaker 2: going to talk about, you know, protecting those floors during 128 00:08:56,200 --> 00:08:59,240 Speaker 2: winter weathers. All right again, it's eight hundred eighty two 129 00:08:59,320 --> 00:09:01,800 Speaker 2: three eight two if five five will continue with your calls. 130 00:09:01,800 --> 00:09:03,840 Speaker 2: You're at home with Gary Sullivan. 131 00:09:04,400 --> 00:09:07,400 Speaker 5: Takes it right with a call to Garysullivan at one 132 00:09:07,480 --> 00:09:11,160 Speaker 5: eight hundred eight two three talk. This is at home 133 00:09:11,280 --> 00:09:12,280 Speaker 5: with Gary Sullivan. 134 00:09:28,200 --> 00:09:31,760 Speaker 2: I've used this product because my washer smelled terrible, and 135 00:09:31,840 --> 00:09:34,920 Speaker 2: let me tell you it worked great. Hi Gary Sullivan. Here, 136 00:09:35,320 --> 00:09:38,240 Speaker 2: Now my water's crystal clear. I've got real peace of mind. 137 00:09:38,280 --> 00:09:41,000 Speaker 2: With Awesome Watercare. 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They repair 164 00:11:12,880 --> 00:11:16,960 Speaker 2: and replace water heaters, garbage disposals, some pumps, water softeners, 165 00:11:17,160 --> 00:11:21,120 Speaker 2: and every other residential commercial plumbing fixture. I use Rota 166 00:11:21,200 --> 00:11:23,320 Speaker 2: Ruter at my house and you should leave plumbing to 167 00:11:23,360 --> 00:11:26,800 Speaker 2: the pros too. Call one eight hundred get Roto or 168 00:11:26,840 --> 00:11:46,200 Speaker 2: go to rotrouter dot com today. All right, megat we 169 00:11:46,280 --> 00:11:49,120 Speaker 2: go at home with Gary Salvin leven in studio to 170 00:11:49,160 --> 00:11:52,240 Speaker 2: take your calls. It's eight hundred eight two three eight 171 00:11:52,280 --> 00:11:56,679 Speaker 2: two five five and Steve, welcome, Hey Gary. 172 00:11:56,720 --> 00:11:57,480 Speaker 6: How's it going today? 173 00:11:57,720 --> 00:11:58,880 Speaker 2: Doing? Okay? Thank you? 174 00:12:00,200 --> 00:12:02,240 Speaker 6: All right, Well, let me give you a little story. 175 00:12:02,400 --> 00:12:03,520 Speaker 2: What happened. 176 00:12:04,600 --> 00:12:07,800 Speaker 6: I was sitting eating some breakfast and I hear something 177 00:12:08,040 --> 00:12:12,959 Speaker 6: and I look over my slider and I have water 178 00:12:13,120 --> 00:12:16,400 Speaker 6: dripping in through the on the inside of the house, 179 00:12:18,120 --> 00:12:20,320 Speaker 6: and I'm like, what's going on. I look outside and 180 00:12:20,360 --> 00:12:24,000 Speaker 6: I got icicles. And I never had icicles on my 181 00:12:25,080 --> 00:12:27,000 Speaker 6: for my roof in twenty eight years of being in 182 00:12:27,000 --> 00:12:33,160 Speaker 6: this house. So I, so I shoveled off some of 183 00:12:33,240 --> 00:12:36,840 Speaker 6: the roof and I went up in the attic. So 184 00:12:36,920 --> 00:12:41,679 Speaker 6: were my vents fan that comes from my bathroom, the pipe, 185 00:12:42,120 --> 00:12:44,040 Speaker 6: the pipe that goes all the way up through up 186 00:12:44,520 --> 00:12:50,240 Speaker 6: up through the roof. But in that area the insallation 187 00:12:50,440 --> 00:12:54,240 Speaker 6: was wet, and I saw some water dripping in through 188 00:12:54,280 --> 00:12:57,840 Speaker 6: the roof through the the USB board that's up on 189 00:12:57,880 --> 00:12:58,600 Speaker 6: top of the roof. 190 00:12:59,679 --> 00:13:02,120 Speaker 2: Eating where the vent pipes going through the roof. 191 00:13:04,640 --> 00:13:07,680 Speaker 6: No, it was probably a foot from it where the 192 00:13:07,720 --> 00:13:13,120 Speaker 6: water was dripping in it. So somehow water was coming 193 00:13:13,160 --> 00:13:17,800 Speaker 6: in from somewhere, you know, it was melting. But I 194 00:13:18,640 --> 00:13:20,960 Speaker 6: think I discovered it might have been from my vetman. 195 00:13:21,480 --> 00:13:23,160 Speaker 6: Just you know how they I think they have like 196 00:13:23,200 --> 00:13:26,920 Speaker 6: a flapper in there so when they're not using that 197 00:13:27,000 --> 00:13:28,840 Speaker 6: closed the snow hot air runs up. 198 00:13:29,040 --> 00:13:30,760 Speaker 2: Correct, Correct, it's a damper. 199 00:13:30,920 --> 00:13:37,120 Speaker 6: Yes, yeah, I'm thinking that didn't shut and that was 200 00:13:37,160 --> 00:13:41,160 Speaker 6: just melting all that snow and just and I couldn't 201 00:13:41,200 --> 00:13:44,680 Speaker 6: see it till I shoveled everything off, and that created 202 00:13:44,679 --> 00:13:47,960 Speaker 6: an ice dam that just had that water coming in. 203 00:13:48,280 --> 00:13:50,800 Speaker 2: Well, that certainly could be it. Whenever you have a connection, 204 00:13:50,880 --> 00:13:53,439 Speaker 2: of course, going through a roof Steve, There's there's always 205 00:13:53,480 --> 00:13:55,840 Speaker 2: a number of options that could be going on there. 206 00:13:57,520 --> 00:14:02,200 Speaker 2: So if that damper wasn't close and the water was 207 00:14:02,280 --> 00:14:05,120 Speaker 2: getting down in there, So what you're saying, would it 208 00:14:05,559 --> 00:14:08,319 Speaker 2: would it be coming through the joints in the pipe then, 209 00:14:08,440 --> 00:14:11,439 Speaker 2: or or could you tell exactly. 210 00:14:11,160 --> 00:14:14,920 Speaker 6: Were it actually coming was coming through the roof? Okay, 211 00:14:15,000 --> 00:14:18,200 Speaker 6: it wasn't coming and through where the pipe was Okay, 212 00:14:18,760 --> 00:14:24,360 Speaker 6: I think it just whatever ice dan backed up far 213 00:14:24,480 --> 00:14:25,040 Speaker 6: enough that. 214 00:14:25,520 --> 00:14:29,200 Speaker 2: Yeah, well, let me paint another scenario, okay, because there's 215 00:14:29,200 --> 00:14:31,080 Speaker 2: all kinds of ways and eventually you're going to have 216 00:14:31,120 --> 00:14:33,960 Speaker 2: to figure it out because you don't want to revisit 217 00:14:34,040 --> 00:14:37,040 Speaker 2: that again. So if that was venting up there and 218 00:14:37,080 --> 00:14:39,160 Speaker 2: that damper was stuck open and then you know it 219 00:14:39,240 --> 00:14:43,200 Speaker 2: was blown all the hot water maybe around that area 220 00:14:43,320 --> 00:14:46,840 Speaker 2: it melded the snow and you know, kind of describing 221 00:14:46,880 --> 00:14:48,960 Speaker 2: it the same way I did, where we had lack 222 00:14:49,040 --> 00:14:54,240 Speaker 2: of ventilation, as that warm moist air is going out 223 00:14:54,280 --> 00:14:59,000 Speaker 2: the ductwork and hitting really cold temperatures. Cold temperatures can't 224 00:14:59,080 --> 00:15:03,880 Speaker 2: hold that warm water vapor. That's why they always call 225 00:15:03,920 --> 00:15:08,360 Speaker 2: it relative humidity, and you start getting you know, like 226 00:15:08,480 --> 00:15:11,720 Speaker 2: condensation where it's almost like raining up there, and you 227 00:15:11,760 --> 00:15:14,880 Speaker 2: get that water behind that snowpack, and there's nowhere for 228 00:15:14,960 --> 00:15:18,840 Speaker 2: that water to go because of the snow, and it 229 00:15:18,920 --> 00:15:23,200 Speaker 2: freezes into ice, and then that water literally starts going 230 00:15:23,440 --> 00:15:26,920 Speaker 2: up the roof rather than down the roof. And if 231 00:15:26,920 --> 00:15:29,760 Speaker 2: it goes up the roof and it goes underneath the 232 00:15:29,800 --> 00:15:34,360 Speaker 2: shingles and there's just no s b board there, you're 233 00:15:34,360 --> 00:15:37,160 Speaker 2: gonna have you're gonna have a leak. And where that 234 00:15:37,240 --> 00:15:40,240 Speaker 2: leak could be really could be anywhere, right, I mean, 235 00:15:40,280 --> 00:15:43,760 Speaker 2: as long as it's in that general proximity. So you know, 236 00:15:43,800 --> 00:15:46,400 Speaker 2: that's a that's another way. Another way I was thinking 237 00:15:46,400 --> 00:15:49,560 Speaker 2: about too, And something I think I would have checked 238 00:15:50,200 --> 00:15:53,880 Speaker 2: is I believe on some of those ventings going through 239 00:15:53,920 --> 00:15:57,240 Speaker 2: the roof, there's like a rubber boot. There's a rubber 240 00:15:57,280 --> 00:15:59,720 Speaker 2: boot on your round vents, and there's usually a rubber 241 00:15:59,720 --> 00:16:02,680 Speaker 2: boot on any exhaust type thing going through the roof. 242 00:16:03,320 --> 00:16:06,760 Speaker 2: And those rubber boots they have a lifespan of about 243 00:16:06,800 --> 00:16:10,520 Speaker 2: ten years mm hm. And you know we always think, 244 00:16:10,600 --> 00:16:12,440 Speaker 2: we always talk about the life span of our roof 245 00:16:12,480 --> 00:16:16,160 Speaker 2: being thirty years, but that we're very vulnerable, you know, 246 00:16:16,240 --> 00:16:19,240 Speaker 2: after ten years around you know, pipes and vent pipes. 247 00:16:19,960 --> 00:16:25,720 Speaker 6: Mm hm. So I threw a gall that so often 248 00:16:25,800 --> 00:16:30,400 Speaker 6: I threw So I did two things. Put calcium chloride 249 00:16:30,800 --> 00:16:33,400 Speaker 6: up on the ice, melted that, and I filled up 250 00:16:33,440 --> 00:16:37,800 Speaker 6: some pantyholes with calcium chloride right too, and through it 251 00:16:37,960 --> 00:16:42,560 Speaker 6: right where the gutter area is, because that's where and 252 00:16:43,920 --> 00:16:48,280 Speaker 6: that melt a lot of stuff. Would I guess, is 253 00:16:48,280 --> 00:16:50,760 Speaker 6: this something I could wait till spring to have a 254 00:16:50,880 --> 00:16:56,200 Speaker 6: roof company come out and say, hey, because where that 255 00:16:56,280 --> 00:17:01,280 Speaker 6: wire dripped in from the roof, you can see the 256 00:17:01,400 --> 00:17:03,800 Speaker 6: giant les be board and you can kind of see 257 00:17:03,880 --> 00:17:05,800 Speaker 6: how it's kind of separated a little bit. 258 00:17:06,000 --> 00:17:11,440 Speaker 2: Right. Well, it's something they can tell you that. Yeah, 259 00:17:11,520 --> 00:17:14,480 Speaker 2: I would address it as soon as I can. And 260 00:17:14,520 --> 00:17:16,760 Speaker 2: they're going to be busy and they're also going to 261 00:17:16,840 --> 00:17:19,840 Speaker 2: be very limited depending on how much snow is up there, 262 00:17:20,119 --> 00:17:22,240 Speaker 2: how cold it is out there, how much snow we're 263 00:17:22,280 --> 00:17:24,920 Speaker 2: going to get. I mean, you know, there's all those factors. 264 00:17:26,480 --> 00:17:29,280 Speaker 2: You know, in a lot of cases, you did exactly 265 00:17:29,320 --> 00:17:31,600 Speaker 2: what you should have done, and that is, you know, 266 00:17:31,680 --> 00:17:36,800 Speaker 2: address the leak, address the snow, address the ice. Hopefully 267 00:17:36,880 --> 00:17:39,000 Speaker 2: we have a little warm patch you got your name 268 00:17:39,040 --> 00:17:40,720 Speaker 2: in it, a roof or where they can get out 269 00:17:40,720 --> 00:17:42,960 Speaker 2: there and take a look at it once we get 270 00:17:43,040 --> 00:17:45,240 Speaker 2: some melt, because if it happened once, it's going to 271 00:17:45,280 --> 00:17:47,879 Speaker 2: happen again. Yeah. 272 00:17:48,119 --> 00:17:50,400 Speaker 6: Yeah, it's we're afraid of because it's, like I said, 273 00:17:50,880 --> 00:17:53,000 Speaker 6: twenty years in the house, we know we don't have 274 00:17:53,040 --> 00:17:55,760 Speaker 6: an insulation problem, never had icicles. 275 00:17:55,600 --> 00:18:00,600 Speaker 2: Right right boom? But you know, yeah, yeah, so something changed, right. 276 00:18:00,600 --> 00:18:03,679 Speaker 2: I mean, when you track down issues, that's exactly what 277 00:18:03,720 --> 00:18:06,880 Speaker 2: you do, Steve, exactly what you did. What's changed, What's 278 00:18:06,960 --> 00:18:10,800 Speaker 2: what's going on here? What is what's the proximity of 279 00:18:10,840 --> 00:18:13,760 Speaker 2: an area in that area that could be the problem. 280 00:18:13,760 --> 00:18:15,439 Speaker 2: And you came up with event pipe and I think 281 00:18:15,480 --> 00:18:20,320 Speaker 2: you're probably right, you know, so yeah, I would get 282 00:18:20,320 --> 00:18:23,360 Speaker 2: on somebody's list to check it out. I wouldn't wait 283 00:18:23,400 --> 00:18:25,800 Speaker 2: till spring, because you know we're gonna have another snow. 284 00:18:25,880 --> 00:18:28,800 Speaker 2: You know you're going to have the problem again because 285 00:18:28,840 --> 00:18:35,520 Speaker 2: that's changed and now that's the new normal. Okay, all right, 286 00:18:35,640 --> 00:18:41,040 Speaker 2: you sound thrilled about it, you know, yeah, I gear 287 00:18:42,080 --> 00:18:44,239 Speaker 2: I hear you, Yeah, hear yeah, I know exactly what 288 00:18:44,280 --> 00:18:44,800 Speaker 2: you're thinking. 289 00:18:46,119 --> 00:18:48,560 Speaker 6: Well you have a great Christmas and stay safe. 290 00:18:48,600 --> 00:18:51,119 Speaker 2: Okay, very good, Thank you. You do the same. Thanks Steve, 291 00:18:51,160 --> 00:18:53,880 Speaker 2: I appreciate it. You know, one of the things that 292 00:18:54,880 --> 00:18:57,040 Speaker 2: we talk about a lot is, you know, our homeowners 293 00:18:57,080 --> 00:18:59,879 Speaker 2: insurance are deductible when we have problems, as it covered it, 294 00:19:00,000 --> 00:19:03,280 Speaker 2: et cetera. Beth Harper joined us yesterday and she was 295 00:19:03,320 --> 00:19:08,200 Speaker 2: talking about what to consider when renewing your insurance because 296 00:19:08,240 --> 00:19:11,000 Speaker 2: the game's kind of changed a little bit and a 297 00:19:11,080 --> 00:19:13,680 Speaker 2: lot of good information there, and I thought we'd replay 298 00:19:13,720 --> 00:19:17,199 Speaker 2: that conversation we had with Beth. It might pick up 299 00:19:17,520 --> 00:19:21,120 Speaker 2: some information, especially when we're going through really cold temperatures 300 00:19:21,119 --> 00:19:24,680 Speaker 2: with frozen pipes and leaky roofs. So we'll do that 301 00:19:24,760 --> 00:19:27,640 Speaker 2: next as we continue our march through the weekend. You're 302 00:19:27,640 --> 00:19:29,720 Speaker 2: at home with Gary Sullivan. 303 00:19:38,920 --> 00:19:41,040 Speaker 5: Start a project and don't know how to finish it 304 00:19:41,119 --> 00:19:44,720 Speaker 5: and call Gary and eight two three talk. You're at 305 00:19:44,720 --> 00:20:00,240 Speaker 5: home with Gary. 306 00:20:03,119 --> 00:20:05,359 Speaker 4: So what can make your winter easier to deal with 307 00:20:05,480 --> 00:20:09,359 Speaker 4: the answer is blasters, Industrial strengths, silicon lubricn. 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All right, back at it 345 00:22:18,600 --> 00:22:20,480 Speaker 2: we go. Before we get to Beth Harper or I 346 00:22:20,640 --> 00:22:23,560 Speaker 2: just want to kind of reiterate a little something with 347 00:22:23,600 --> 00:22:27,439 Speaker 2: that frozen pipe, because we got short changed on time. 348 00:22:29,400 --> 00:22:33,560 Speaker 2: If the obviously if it's an outdoor faucet, it's inside 349 00:22:33,560 --> 00:22:37,000 Speaker 2: the garage, and it just trickled water and then it 350 00:22:37,160 --> 00:22:40,480 Speaker 2: stopped and he was wondering whether it's the faucet that 351 00:22:40,600 --> 00:22:45,359 Speaker 2: was frozen or jammed with the stem, or whether the 352 00:22:45,600 --> 00:22:48,520 Speaker 2: pipe had ice in it. He said, he put a 353 00:22:48,560 --> 00:22:52,840 Speaker 2: space heater near that, and if it were the faucet 354 00:22:52,880 --> 00:22:55,840 Speaker 2: at that point and the valve was opened, it probably 355 00:22:55,880 --> 00:22:59,520 Speaker 2: would have started dripping. My guess is it is the 356 00:22:59,600 --> 00:23:03,320 Speaker 2: pipe that is frozen, and the only way you're really 357 00:23:03,400 --> 00:23:07,760 Speaker 2: going to take care of that problem is introduce heat. 358 00:23:08,000 --> 00:23:11,800 Speaker 2: Now that pipe's inside the wall. Hopefully there's just shut 359 00:23:11,800 --> 00:23:14,840 Speaker 2: off valve on knee where you could shut off the 360 00:23:14,920 --> 00:23:18,919 Speaker 2: waterline or the water going to that particular faucet. But 361 00:23:19,000 --> 00:23:22,080 Speaker 2: then somehow you're going to have to introduce heat inside 362 00:23:22,080 --> 00:23:24,359 Speaker 2: a wall, even if just a little bit of an 363 00:23:24,440 --> 00:23:28,320 Speaker 2: opening cut above that faucet and a hair dryer put 364 00:23:28,359 --> 00:23:30,960 Speaker 2: in there where you would kind of warm that up. 365 00:23:31,000 --> 00:23:33,119 Speaker 2: So I did want to just make sure we finished 366 00:23:33,160 --> 00:23:36,399 Speaker 2: answer and that so Beth Harper's with us, and she 367 00:23:36,800 --> 00:23:41,719 Speaker 2: is an insurance broker, and speaking of frozen pipes, that 368 00:23:41,840 --> 00:23:44,400 Speaker 2: might be a claim down the road. Beth, welcome, how 369 00:23:44,440 --> 00:23:44,720 Speaker 2: are you. 370 00:23:46,320 --> 00:23:49,720 Speaker 3: I'm wonderful, Gary, I hear you're doing awfully well as well. 371 00:23:50,080 --> 00:23:54,280 Speaker 2: I'm trying trying my best, trying my best. It was funny. 372 00:23:54,359 --> 00:23:57,280 Speaker 2: I wrote you a couple of days ago and said, hey, 373 00:23:57,320 --> 00:24:00,000 Speaker 2: you want to jump on. I've been reading different things 374 00:24:00,160 --> 00:24:04,800 Speaker 2: about roofing and new hail requirements, and I know last 375 00:24:04,800 --> 00:24:08,439 Speaker 2: time we talked about you said insurance coverage on roof's 376 00:24:08,520 --> 00:24:11,720 Speaker 2: is really changing. So I just kind of wanted to 377 00:24:11,760 --> 00:24:14,399 Speaker 2: tap in and what are you hear and what are 378 00:24:14,440 --> 00:24:18,920 Speaker 2: you seeing when it comes to roofing claims and what 379 00:24:18,960 --> 00:24:22,680 Speaker 2: can people expect and should they be asking questions, etc. 380 00:24:24,880 --> 00:24:27,720 Speaker 3: They should always ask questions. And what I'd like to 381 00:24:27,720 --> 00:24:30,320 Speaker 3: say is if every one of your listeners, I don't 382 00:24:30,359 --> 00:24:33,080 Speaker 3: expect any of them to ever have issues with insurance 383 00:24:33,119 --> 00:24:36,399 Speaker 3: claims because what you do is what a home owner 384 00:24:36,480 --> 00:24:40,360 Speaker 3: needs to do to protect their most important and expensive asset. 385 00:24:40,720 --> 00:24:43,919 Speaker 3: Just walk around, look around. If you're in the spring, summer, 386 00:24:43,960 --> 00:24:46,960 Speaker 3: fall and you look around the outside of your house 387 00:24:47,000 --> 00:24:50,520 Speaker 3: and it looks like somebody is dribbling kitty litter around it, Garry, 388 00:24:50,560 --> 00:24:51,960 Speaker 3: you know it's not kitty litter. 389 00:24:51,800 --> 00:24:52,480 Speaker 2: Is it. 390 00:24:52,480 --> 00:24:55,919 Speaker 3: It's all the asphalt shingles coming off right, all that 391 00:24:56,040 --> 00:24:59,760 Speaker 3: grit right, That is your first sign as a homeowner. 392 00:24:59,760 --> 00:25:02,520 Speaker 3: That not as well, nothing as well with your roof. 393 00:25:02,560 --> 00:25:04,480 Speaker 3: You need to get a professional up there and check 394 00:25:04,520 --> 00:25:09,399 Speaker 3: it out. I always recommend always before all my clients 395 00:25:09,440 --> 00:25:11,640 Speaker 3: when they call me with a claim, I say, did 396 00:25:11,680 --> 00:25:16,080 Speaker 3: you have an estimate? What did they say? Is the problem? 397 00:25:16,720 --> 00:25:21,080 Speaker 3: That is very crucial. I'll quick stories, real quick stories. 398 00:25:21,720 --> 00:25:24,760 Speaker 3: Contractors now know that there is a limited loss settlement 399 00:25:24,880 --> 00:25:28,199 Speaker 3: on the majority of the carryokers out there, meaning for 400 00:25:28,359 --> 00:25:33,000 Speaker 3: traditional asphalt roof at ten years, it's now actual cash value, 401 00:25:33,000 --> 00:25:36,679 Speaker 3: which is depreciation unless you're deductible, and you also lose 402 00:25:36,720 --> 00:25:40,680 Speaker 3: your cosmetic matching coverage. That endorsement will be removed from 403 00:25:40,720 --> 00:25:44,080 Speaker 3: your policy at that time. Now, since contractors know that 404 00:25:44,960 --> 00:25:48,679 Speaker 3: they want to help you get a new roof, the 405 00:25:48,800 --> 00:25:53,360 Speaker 3: problem with that is they don't know your policy. And 406 00:25:54,119 --> 00:25:58,159 Speaker 3: back in September I had two back to back claims 407 00:25:58,200 --> 00:26:01,760 Speaker 3: and both of them were by a contractor that gave 408 00:26:01,800 --> 00:26:06,480 Speaker 3: an exact date of damage. Okay, that may be correct, 409 00:26:06,480 --> 00:26:09,280 Speaker 3: but I will tell you right now, your claims adjuster 410 00:26:09,480 --> 00:26:13,200 Speaker 3: knows your policy inside it out and they have access 411 00:26:13,280 --> 00:26:17,320 Speaker 3: to more weather information than a contractor ever will. One 412 00:26:17,320 --> 00:26:19,960 Speaker 3: of the things that happened and the claim was denied 413 00:26:20,560 --> 00:26:24,400 Speaker 3: is because it was outside of a year. So this 414 00:26:24,480 --> 00:26:27,960 Speaker 3: claim supposedly happened. I'm going to make dates up just 415 00:26:28,119 --> 00:26:31,879 Speaker 3: protect in case they're listening. Say the claim happened May 416 00:26:31,960 --> 00:26:36,919 Speaker 3: fifth of twenty twenty four. The policy year is, let's 417 00:26:36,960 --> 00:26:40,560 Speaker 3: just say August to August, and you put a claim 418 00:26:40,600 --> 00:26:44,399 Speaker 3: in for May in twenty twenty or I'm sorry, in 419 00:26:44,520 --> 00:26:48,040 Speaker 3: July of twenty twenty five. You're outside the year. There 420 00:26:48,119 --> 00:26:52,040 Speaker 3: is no coverage. And so that actually happened because that's 421 00:26:52,080 --> 00:26:54,800 Speaker 3: when the contractor picked a date. I talked to this 422 00:26:54,880 --> 00:26:57,960 Speaker 3: person in depth and there said, well, yeah, my roof 423 00:26:58,080 --> 00:27:01,040 Speaker 3: is bad, there's lots of damage up there. I need 424 00:27:01,080 --> 00:27:06,240 Speaker 3: it replaced. Why won't my insurance company replace it? Very sad. 425 00:27:06,440 --> 00:27:10,480 Speaker 3: So the idea here is, if you have a contractor 426 00:27:10,600 --> 00:27:13,320 Speaker 3: telling you you have damage, don't let them. Don't make 427 00:27:13,400 --> 00:27:16,880 Speaker 3: up a date. Nobody unless you went out immediately after 428 00:27:16,920 --> 00:27:20,520 Speaker 3: a storm or something happened immediately after a storm and 429 00:27:20,560 --> 00:27:24,080 Speaker 3: you know it, you don't know. You really don't know. 430 00:27:24,680 --> 00:27:27,440 Speaker 3: Your claim suggester will find out for you. So get 431 00:27:27,480 --> 00:27:31,639 Speaker 3: that estimate. Make sure it's somebody that isn't trying to 432 00:27:31,680 --> 00:27:35,280 Speaker 3: help you. If a contractor ever wants to see your 433 00:27:35,320 --> 00:27:40,200 Speaker 3: home homeowners policy, do not give it to them. They're 434 00:27:40,240 --> 00:27:45,200 Speaker 3: looking for ins and outs. Besides containing a whole bunch 435 00:27:45,240 --> 00:27:49,600 Speaker 3: of personal data, they're looking for loopholes to get your 436 00:27:49,600 --> 00:27:52,040 Speaker 3: claim covered. Well, you know what, that's kind of my job. 437 00:27:52,560 --> 00:27:55,920 Speaker 3: Don't let somebody out there promise you a new roof, 438 00:27:56,000 --> 00:28:00,439 Speaker 3: because once you submit that claim, it's on the record. 439 00:28:00,680 --> 00:28:04,639 Speaker 3: A homeowner's claim stays for five years on your policy, 440 00:28:05,359 --> 00:28:07,600 Speaker 3: unlike an auto which is around three unless it's a 441 00:28:07,640 --> 00:28:12,880 Speaker 3: major violation. That means for five years that has to replace. Now, 442 00:28:12,920 --> 00:28:16,520 Speaker 3: if the claim's denied, well there's damage. Now they're going 443 00:28:16,600 --> 00:28:18,520 Speaker 3: to want to know what did you do about that? 444 00:28:18,560 --> 00:28:20,800 Speaker 3: How did you mitigate that damage? And you have to 445 00:28:20,840 --> 00:28:24,960 Speaker 3: submit proof that you actually took care of it on 446 00:28:25,040 --> 00:28:27,800 Speaker 3: your dime because the claim was denied and you can 447 00:28:27,920 --> 00:28:30,240 Speaker 3: be non renewed. Now you're going to say, well, I'll 448 00:28:30,280 --> 00:28:33,960 Speaker 3: just go find another I'll find another carrier. Yeah, that's 449 00:28:34,000 --> 00:28:37,080 Speaker 3: my job too. You call in and say, hey, I'm 450 00:28:37,119 --> 00:28:40,440 Speaker 3: mad at my insurance carrier. They didn't pay correctly on 451 00:28:40,480 --> 00:28:44,080 Speaker 3: this claim and I want out. I'm like, okay, when 452 00:28:44,160 --> 00:28:46,920 Speaker 3: was a claim. It was last year. Well guess what 453 00:28:47,520 --> 00:28:50,160 Speaker 3: if it's a claim that ended up being over forty 454 00:28:50,200 --> 00:28:52,680 Speaker 3: thousand dollars. That's well over a limit of one of 455 00:28:52,760 --> 00:28:54,600 Speaker 3: the ones that a carrier. If I talk to the 456 00:28:54,680 --> 00:28:57,880 Speaker 3: underwriter and go, hey, this is what's going on, they're 457 00:28:57,920 --> 00:29:00,360 Speaker 3: going to say that damage is forty thousand dollars. We 458 00:29:00,400 --> 00:29:04,440 Speaker 3: will not write that risk. So you end up hurting 459 00:29:04,480 --> 00:29:08,640 Speaker 3: yourself because you didn't do enough homework and talk enough 460 00:29:08,640 --> 00:29:13,200 Speaker 3: to your agent, and that impacts how you protect your 461 00:29:13,200 --> 00:29:15,840 Speaker 3: home and work. 462 00:29:17,200 --> 00:29:19,480 Speaker 2: I got to tell you, bet that a broker in 463 00:29:19,480 --> 00:29:25,120 Speaker 2: insurance is a vital connection to problems that everybody is 464 00:29:25,160 --> 00:29:28,960 Speaker 2: eventually going to have because you can talk to them 465 00:29:29,040 --> 00:29:34,240 Speaker 2: just like you're talking to us. And it was about gosh, 466 00:29:34,320 --> 00:29:38,960 Speaker 2: I think the end of the summer. Our our insurance 467 00:29:39,080 --> 00:29:42,240 Speaker 2: was coming up from renewal, and because I had talked 468 00:29:42,240 --> 00:29:44,800 Speaker 2: to you, I had suggested my wife that we need 469 00:29:44,840 --> 00:29:48,520 Speaker 2: to really do a deep dive in our insurance and 470 00:29:48,760 --> 00:29:52,000 Speaker 2: we had not been having We had a broker that 471 00:29:52,040 --> 00:29:54,320 Speaker 2: we liked and then he sold the business and the 472 00:29:54,400 --> 00:29:58,040 Speaker 2: new person we had no relationship with it. It was 473 00:29:58,120 --> 00:30:01,960 Speaker 2: just picked up and you know, that was it. So 474 00:30:03,000 --> 00:30:05,200 Speaker 2: we looked at the insurance and then we got some 475 00:30:05,280 --> 00:30:08,720 Speaker 2: referrals on different brokers and my wife went and talked 476 00:30:08,720 --> 00:30:12,760 Speaker 2: to him, and she goes, we're gonna, we're gonna deal 477 00:30:12,800 --> 00:30:16,000 Speaker 2: with this, lady, and you need to come with us, 478 00:30:16,000 --> 00:30:21,360 Speaker 2: and we need to go through this whole policy and best. 479 00:30:21,360 --> 00:30:23,240 Speaker 2: She spent three hours. 480 00:30:22,800 --> 00:30:25,840 Speaker 5: With us, and that's my normal. 481 00:30:26,160 --> 00:30:30,760 Speaker 2: I learned so much and in a way, I I 482 00:30:30,960 --> 00:30:33,800 Speaker 2: jokingly said, well, this like going to the casino. We're 483 00:30:33,880 --> 00:30:39,320 Speaker 2: placing bets. Yes, you know, yeah, I think earthquake, I'm gonna, 484 00:30:39,360 --> 00:30:41,640 Speaker 2: I'm gonna. I'm gonna, you know, I'm not gonna do that. 485 00:30:42,360 --> 00:30:46,600 Speaker 2: I'm gonna do this. And why don't we raise this, uh, 486 00:30:46,800 --> 00:30:50,320 Speaker 2: you know, deductible. We we can you know, cover a 487 00:30:50,360 --> 00:30:54,680 Speaker 2: little incident, you know. And it was I forget where 488 00:30:54,720 --> 00:30:56,560 Speaker 2: it was, but I think we moved it up to 489 00:30:56,640 --> 00:30:58,840 Speaker 2: like twenty five hundred or may it was even a 490 00:30:58,880 --> 00:31:03,360 Speaker 2: little bit more. And you're right, you just don't want 491 00:31:03,520 --> 00:31:06,200 Speaker 2: you don't want to be worrying that insurance is not 492 00:31:06,360 --> 00:31:11,080 Speaker 2: there to cover everything. It's there to take the big hit. Correct. 493 00:31:12,200 --> 00:31:16,400 Speaker 3: Absolutely, it is not for maintenance. Yeah, back in the 494 00:31:16,400 --> 00:31:18,479 Speaker 3: old days, I'm going to say the old days were 495 00:31:18,520 --> 00:31:21,280 Speaker 3: twenty years ago. It was used a lot for maintenance. 496 00:31:21,520 --> 00:31:24,520 Speaker 3: I agree, But then we had for the past five 497 00:31:24,880 --> 00:31:28,800 Speaker 3: well for past six years. So when we started having 498 00:31:28,880 --> 00:31:31,920 Speaker 3: all those big storms that came through starting in twenty 499 00:31:31,920 --> 00:31:36,040 Speaker 3: two that affected my area real heavy, and then every 500 00:31:36,400 --> 00:31:40,640 Speaker 3: year there was another big storm since then. Since a 501 00:31:40,680 --> 00:31:43,640 Speaker 3: lot of that stuff they had to replace, they go 502 00:31:43,800 --> 00:31:45,520 Speaker 3: up on the roof and it's like, well, yeah, this 503 00:31:45,680 --> 00:31:48,680 Speaker 3: roof gave away. It's a maintenance issue. Everything's writed up. 504 00:31:48,880 --> 00:31:52,120 Speaker 3: You can see where the shingles are curling. They're like, 505 00:31:52,200 --> 00:31:55,880 Speaker 3: why am I replacing a roof that has real maintenance 506 00:31:55,960 --> 00:32:00,960 Speaker 3: damage from this storm versus replacing a roof that doesn't 507 00:32:01,000 --> 00:32:04,040 Speaker 3: have any maintenance damage. So that's changed a lot, and 508 00:32:04,320 --> 00:32:08,479 Speaker 3: quite honestly, I agree with that. People will argue with 509 00:32:08,560 --> 00:32:11,120 Speaker 3: me on that, and I'll say, Okay, if you never 510 00:32:11,200 --> 00:32:14,520 Speaker 3: put oil in your car and your ENGINECIZ is up, 511 00:32:15,000 --> 00:32:17,840 Speaker 3: do you file a claim on that? Well, no, Well 512 00:32:17,920 --> 00:32:21,800 Speaker 3: it's a maintenance issue. If you, as you always talk, 513 00:32:22,360 --> 00:32:23,640 Speaker 3: get up there. If you don't want to get on 514 00:32:23,640 --> 00:32:26,400 Speaker 3: a ladder, call somebody to get up there. Your neighbor 515 00:32:26,440 --> 00:32:29,240 Speaker 3: has a drone, get the drone up there and take pictures. 516 00:32:29,560 --> 00:32:33,320 Speaker 3: Look at your own roof. You have to have accountability 517 00:32:33,360 --> 00:32:37,280 Speaker 3: for it. Insurance is year two year. It is not 518 00:32:37,480 --> 00:32:41,720 Speaker 3: a lifetime. Now that being said, there's loyalty built up 519 00:32:41,800 --> 00:32:44,600 Speaker 3: as well, and that loyalty isn't built up and you 520 00:32:44,680 --> 00:32:47,520 Speaker 3: deserve a new roof, it's built up and well. At 521 00:32:47,560 --> 00:32:51,000 Speaker 3: your renewal, because you haven't had any claims, we're going 522 00:32:51,040 --> 00:32:55,000 Speaker 3: to increase your claims free discount. That's where the loyalty 523 00:32:55,080 --> 00:32:58,800 Speaker 3: comes in. But it's year to year, and which makes sense. 524 00:32:59,240 --> 00:33:03,360 Speaker 3: When you're driving, when you start out at sixteen, same thing, 525 00:33:03,480 --> 00:33:05,920 Speaker 3: it's year to year. As you continue to drive, you 526 00:33:05,920 --> 00:33:09,760 Speaker 3: get more experienced. The risk drops, your insurance drops. Same thing. 527 00:33:09,760 --> 00:33:13,600 Speaker 3: You maintain your home, your wrist drops because you're maintaining it. 528 00:33:14,080 --> 00:33:18,840 Speaker 3: One of the questions you had asked about was the oh, 529 00:33:19,200 --> 00:33:21,520 Speaker 3: Gary had just lost my mind. I'm not looking at 530 00:33:21,520 --> 00:33:22,120 Speaker 3: your email. 531 00:33:22,360 --> 00:33:24,840 Speaker 2: That's all right, because I've got a couple other questions 532 00:33:24,920 --> 00:33:26,880 Speaker 2: i want to ask, and one of it with the 533 00:33:27,040 --> 00:33:30,959 Speaker 2: cold weather, we talk about ice dams, we talk about 534 00:33:31,000 --> 00:33:33,880 Speaker 2: frozen pipes, and let me take a break, Beth, and 535 00:33:33,960 --> 00:33:38,360 Speaker 2: we'll come back and address that because that is also maintenance. 536 00:33:38,400 --> 00:33:41,760 Speaker 2: I'm just curious how that works out. We'll continue. Beth Harper. 537 00:33:41,840 --> 00:33:45,560 Speaker 2: She is a insurance broker out of the Cleveland, Ohio area, 538 00:33:46,120 --> 00:33:48,560 Speaker 2: and she's been kind enough to give us a half 539 00:33:48,600 --> 00:33:53,280 Speaker 2: hour and chat a little bit about homeowner's insurance. Will continue. 540 00:33:53,360 --> 00:33:55,240 Speaker 2: You're at Home with Gary Sullivan. 541 00:33:56,160 --> 00:33:58,720 Speaker 5: Helme for your home is just a click away at 542 00:33:58,760 --> 00:34:03,520 Speaker 5: Gary Sullivan Online. This is at Home with Gary Sullivan. 543 00:34:19,480 --> 00:34:22,120 Speaker 2: Make your home sparkle this holiday season with Jaws, the 544 00:34:22,320 --> 00:34:25,760 Speaker 2: just Add Water System. The Holiday Caddiepack is back filled 545 00:34:25,760 --> 00:34:29,360 Speaker 2: with your four must have Jaws cleaners, my favorite glass cleaner, 546 00:34:29,360 --> 00:34:32,840 Speaker 2: plus the kitchen cleaner, disinfectant, bathroom cleaner, and the super 547 00:34:32,880 --> 00:34:37,040 Speaker 2: convenient dispray. 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And Beth, one 581 00:36:43,640 --> 00:36:45,920 Speaker 2: of the things I was thinking of after I had 582 00:36:46,040 --> 00:36:50,680 Speaker 2: our meeting with our insurance broker is she knew the 583 00:36:50,800 --> 00:36:55,279 Speaker 2: people that would inspect houses and she was talking like you, 584 00:36:55,440 --> 00:36:57,960 Speaker 2: She's just talking the truth. This is what's gonna happen. 585 00:36:58,320 --> 00:37:01,680 Speaker 2: I'm not here to bash insurance. They're making a bet. 586 00:37:01,760 --> 00:37:05,759 Speaker 2: I'm making a bet in a way. And so you've 587 00:37:05,800 --> 00:37:08,160 Speaker 2: got to maintain your house. And we just had a 588 00:37:08,200 --> 00:37:13,720 Speaker 2: couple of calls today about frozen pipes, and so how's 589 00:37:13,800 --> 00:37:16,560 Speaker 2: insurance deal with that? If you have a frozen pipe, 590 00:37:16,560 --> 00:37:18,560 Speaker 2: and yeah, I know a lot of times you have 591 00:37:18,600 --> 00:37:21,279 Speaker 2: a plumber involved just thawing it. That's not going to 592 00:37:21,320 --> 00:37:21,880 Speaker 2: be a claim. 593 00:37:21,920 --> 00:37:27,880 Speaker 3: What happens if it burst, well number one, mitigate. So 594 00:37:28,040 --> 00:37:30,560 Speaker 3: whatever it takes to shut that water off so that 595 00:37:30,640 --> 00:37:35,759 Speaker 3: it stops all the collateral damage, get that taken care 596 00:37:35,800 --> 00:37:40,080 Speaker 3: of asap. That is your job, as a homeowner, and 597 00:37:40,160 --> 00:37:44,080 Speaker 3: it is a requirement by your insurance policy that you 598 00:37:44,160 --> 00:37:47,160 Speaker 3: will do the best you can to mitigate damage so 599 00:37:47,239 --> 00:37:51,800 Speaker 3: it doesn't continue. That includes some of the big claims 600 00:37:51,840 --> 00:37:54,080 Speaker 3: like well, yeah, and I called somebody right away and 601 00:37:54,120 --> 00:37:55,879 Speaker 3: put a tarp over my roof where the big hole 602 00:37:55,960 --> 00:38:00,359 Speaker 3: is and the rain was coming in. Perfect good job, job. 603 00:38:00,760 --> 00:38:02,680 Speaker 3: I liked it. I like it when people do that. 604 00:38:02,880 --> 00:38:07,280 Speaker 3: So get it mitigated. Is it exposed, is it old pipe, 605 00:38:07,360 --> 00:38:12,000 Speaker 3: was it a cast iron pipe? Was there unknown galvanized pipe? 606 00:38:12,760 --> 00:38:15,960 Speaker 3: So it depends a lot on that. So when it's frozen, 607 00:38:16,680 --> 00:38:19,600 Speaker 3: some of this bad weather, we can't control it. And 608 00:38:19,640 --> 00:38:22,680 Speaker 3: then you get into and this is the scary part. 609 00:38:23,280 --> 00:38:26,719 Speaker 3: You get into an ice storm and electrics out. Then 610 00:38:26,800 --> 00:38:29,359 Speaker 3: what well, the first thing you do shut the water 611 00:38:29,400 --> 00:38:33,040 Speaker 3: off at the source, open every tap, flush the toilet, 612 00:38:33,160 --> 00:38:37,560 Speaker 3: get every drop of water out of your toilet. From experience, also, 613 00:38:37,840 --> 00:38:42,080 Speaker 3: the outgoing water is maybe even more important than the 614 00:38:42,160 --> 00:38:45,640 Speaker 3: incoming water, just because if you have in if you 615 00:38:45,680 --> 00:38:49,040 Speaker 3: have incoming water or no incut coming water, you can 616 00:38:49,080 --> 00:38:50,960 Speaker 3: melt snow and you can flush the toilet with a 617 00:38:50,960 --> 00:38:54,359 Speaker 3: melted bucket of snow. But if you can't flush, then 618 00:38:54,400 --> 00:38:59,040 Speaker 3: what do you do so drain everything, be smart about 619 00:38:59,080 --> 00:39:02,759 Speaker 3: what has to happen, right so that way, if there 620 00:39:02,800 --> 00:39:05,760 Speaker 3: is that also takes the pressure off. So if there's 621 00:39:05,880 --> 00:39:08,399 Speaker 3: if it's unknown ice storm, electric out and it might 622 00:39:08,440 --> 00:39:11,040 Speaker 3: be a couple of days or even depending on the cold, 623 00:39:11,120 --> 00:39:14,319 Speaker 3: twelve hours, get the water of the pipes. There's no 624 00:39:14,400 --> 00:39:16,839 Speaker 3: water in the pipes, there's no expansion. You're not going 625 00:39:16,880 --> 00:39:17,560 Speaker 3: to break the pipes. 626 00:39:17,640 --> 00:39:18,600 Speaker 2: Right. 627 00:39:18,800 --> 00:39:21,880 Speaker 3: So let's say you didn't know, there's something happened, and 628 00:39:21,920 --> 00:39:25,360 Speaker 3: I and again something happened. That is a sudden occurrence, 629 00:39:25,800 --> 00:39:28,399 Speaker 3: and that's when you turn in the claim. Now how 630 00:39:28,440 --> 00:39:30,600 Speaker 3: it's paid. I'm not a claim sudjuster. I just know 631 00:39:30,760 --> 00:39:34,719 Speaker 3: that you can't call it in. There's usually coverage for 632 00:39:35,000 --> 00:39:37,600 Speaker 3: that type of thing because it is a sudden occurrence. 633 00:39:37,600 --> 00:39:41,120 Speaker 3: It's not something you planned. If they come out and 634 00:39:41,280 --> 00:39:44,720 Speaker 3: they notice that all of your pipes, all your incoming 635 00:39:44,760 --> 00:39:49,600 Speaker 3: water pipes are exposed to the outside air well, now 636 00:39:49,680 --> 00:39:53,040 Speaker 3: that's an issue modern home, so they don't have that issue. 637 00:39:53,280 --> 00:39:57,200 Speaker 3: It's usually something has happened and that same type of 638 00:39:57,200 --> 00:40:00,440 Speaker 3: thing goes into along your furnace, you have condensation pipes 639 00:40:00,480 --> 00:40:03,680 Speaker 3: and same with your water here. All that stuff. There 640 00:40:03,840 --> 00:40:08,840 Speaker 3: is condensate and there's an outflow of it that can freeze. Also, 641 00:40:08,960 --> 00:40:11,640 Speaker 3: if you're not paying attention to it, you can have 642 00:40:11,719 --> 00:40:15,920 Speaker 3: hidden water damage and with it comes mold and mildew issues. 643 00:40:16,360 --> 00:40:20,560 Speaker 3: Check your carrier. Certain carriers allow coverage. You purchase it, 644 00:40:20,960 --> 00:40:24,600 Speaker 3: but it's for hidden water damage and it is for 645 00:40:24,840 --> 00:40:29,400 Speaker 3: limited mold and mildew settlement settlements. Most mold and mildew 646 00:40:29,480 --> 00:40:31,960 Speaker 3: that people put into. Oh my attic is full of 647 00:40:32,000 --> 00:40:34,520 Speaker 3: mold and we're all going to die because it's black. Well, 648 00:40:34,600 --> 00:40:36,839 Speaker 3: maybe it's pink. That you know what we're talking about 649 00:40:36,840 --> 00:40:39,279 Speaker 3: because you advertise on the or you talk about this 650 00:40:39,480 --> 00:40:41,640 Speaker 3: all the time, and that five minute mold test kit. 651 00:40:41,920 --> 00:40:43,200 Speaker 3: You got to know what kind of mold of it. 652 00:40:43,400 --> 00:40:47,400 Speaker 3: There's mold everywhere. We eat mold. We're eating mushrooms, right, 653 00:40:47,480 --> 00:40:51,360 Speaker 3: so find out what it is that kind. Because you 654 00:40:51,719 --> 00:40:55,600 Speaker 3: overinsulated your attic, the vent pipe was leaking and the 655 00:40:55,640 --> 00:40:58,279 Speaker 3: water trickle in. There's a leak in your roof that 656 00:40:58,360 --> 00:41:01,560 Speaker 3: you didn't know about. That's not going to be covered 657 00:41:01,880 --> 00:41:05,560 Speaker 3: because that is something that was preventable if you'd have 658 00:41:05,640 --> 00:41:10,080 Speaker 3: done your maintenance. Let's go back the same situation. A 659 00:41:10,120 --> 00:41:12,960 Speaker 3: tree branch crashed on your roof. You thought you had 660 00:41:13,000 --> 00:41:16,320 Speaker 3: it covered. Then the electricity went out and it rained again, 661 00:41:16,760 --> 00:41:20,400 Speaker 3: and now you have mold growing that came from the 662 00:41:20,480 --> 00:41:23,360 Speaker 3: specific incident, and there can be I'm not going to 663 00:41:23,400 --> 00:41:26,560 Speaker 3: guarantee it again, I'm not a claims adjuster. There can 664 00:41:26,680 --> 00:41:30,200 Speaker 3: be coverage for that because it came from something else. 665 00:41:30,400 --> 00:41:32,720 Speaker 2: Sure, you know, Beth, one of the things I mentioned 666 00:41:32,840 --> 00:41:37,359 Speaker 2: was ice dams, And in a way, ice stams are 667 00:41:37,520 --> 00:41:42,319 Speaker 2: preventable a lot of times just caused by lack of insulation. 668 00:41:43,120 --> 00:41:46,160 Speaker 2: And I know there's codes in there to put ice 669 00:41:46,200 --> 00:41:49,520 Speaker 2: guards underneath shingles, but some of the older roofs and 670 00:41:49,600 --> 00:41:53,560 Speaker 2: older housing maybe doesn't have that, and you're under insulat 671 00:41:53,640 --> 00:41:55,239 Speaker 2: and you have an ice dam and then you got 672 00:41:55,280 --> 00:41:57,800 Speaker 2: a leak. Is that an incident or is that maintenance? 673 00:41:59,760 --> 00:42:02,160 Speaker 3: I cannot say yes or no. I'm not a claims 674 00:42:02,160 --> 00:42:04,440 Speaker 3: adjust What I will say is, if you've been with 675 00:42:04,520 --> 00:42:08,359 Speaker 3: your carrier for quite some time, it's entirely possible that 676 00:42:08,360 --> 00:42:12,560 Speaker 3: that will be covered. If you've recently changed carriers, because 677 00:42:12,560 --> 00:42:15,440 Speaker 3: what happens this is so let's talk about being a 678 00:42:15,480 --> 00:42:18,680 Speaker 3: broker real quick here. So when you're with a carrier 679 00:42:18,719 --> 00:42:22,399 Speaker 3: for so long you've been more or less grandfathered in. 680 00:42:22,960 --> 00:42:26,560 Speaker 3: If they made any changes you will get in your policy. 681 00:42:26,600 --> 00:42:29,160 Speaker 3: When it's mailed to you at your renewal time, there'll 682 00:42:29,200 --> 00:42:32,719 Speaker 3: be big bold letter saying please read carefully, these are 683 00:42:32,719 --> 00:42:37,239 Speaker 3: the following changes. That's on you. It told you to 684 00:42:37,360 --> 00:42:40,920 Speaker 3: read this because there's changes to your policy now a 685 00:42:40,960 --> 00:42:43,440 Speaker 3: lot of times because you were with them. It's not 686 00:42:43,520 --> 00:42:47,640 Speaker 3: going to apply because they changed, say a quoting platform 687 00:42:47,719 --> 00:42:51,160 Speaker 3: that takes into consideration different risks. If I were to 688 00:42:51,239 --> 00:42:54,200 Speaker 3: move you, you've been with one carrier for fifteen years. 689 00:42:54,560 --> 00:42:57,320 Speaker 3: I move you for a better premium to another carrier, 690 00:42:57,760 --> 00:43:00,560 Speaker 3: you are going to be subject to the brand new 691 00:43:00,719 --> 00:43:06,840 Speaker 3: risk categories, writing underlining, underwriting guidelines, and so you could 692 00:43:06,920 --> 00:43:12,520 Speaker 3: actually be hurting yourself by moving. Remember, your premium isn't 693 00:43:12,520 --> 00:43:15,680 Speaker 3: about how low you can go. It's about how much 694 00:43:15,760 --> 00:43:19,080 Speaker 3: will I get paid to put my home back together again? 695 00:43:19,120 --> 00:43:19,920 Speaker 3: If there's a claim. 696 00:43:20,160 --> 00:43:23,520 Speaker 2: Which comes back to the thing is you're broker is 697 00:43:23,560 --> 00:43:27,960 Speaker 2: your advocate. You have to have a great relationship with 698 00:43:28,040 --> 00:43:31,719 Speaker 2: your breaker broker that when you make that change, she's 699 00:43:31,800 --> 00:43:34,400 Speaker 2: already on your side and she's going to see what 700 00:43:34,480 --> 00:43:37,840 Speaker 2: she can do Beth. As always, we ran out of time. 701 00:43:38,120 --> 00:43:42,840 Speaker 2: I certainly appreciate your time. I promise we'll get you back. 702 00:43:42,840 --> 00:43:45,040 Speaker 2: And what we may do sometime and the dead of 703 00:43:45,080 --> 00:43:48,000 Speaker 2: winner is get you on for an hour and actually 704 00:43:48,080 --> 00:43:48,800 Speaker 2: take calls. 705 00:43:49,560 --> 00:43:51,680 Speaker 3: So Garry, I would love that. 706 00:43:52,360 --> 00:43:53,759 Speaker 2: Sit tight and we'll try that. 707 00:43:53,800 --> 00:43:56,080 Speaker 3: Take care all right, Thank you, Carrie. 708 00:43:56,440 --> 00:43:59,760 Speaker 2: Have a merry Christmas to you two Beth. Thanks all right. 709 00:44:00,360 --> 00:44:01,920 Speaker 2: Let me give you the phone number you can join 710 00:44:02,000 --> 00:44:04,920 Speaker 2: us like to chat with you if you're keeping up 711 00:44:04,960 --> 00:44:08,399 Speaker 2: on the maintenance on your home. It's eight hundred eight 712 00:44:08,440 --> 00:44:12,000 Speaker 2: two three eight two five five. You're at home with 713 00:44:12,120 --> 00:44:13,280 Speaker 2: Garry Sullivan. 714 00:44:28,239 --> 00:44:31,600 Speaker 5: Home Improvement one oh one with Gary Sullivan every weekend. 715 00:44:31,760 --> 00:44:34,839 Speaker 5: Classes began at one eight hundred eight two three tah 716 00:44:35,040 --> 00:44:37,360 Speaker 5: You're at home with Gary Sullivan