1 00:00:29,560 --> 00:00:32,120 Speaker 1: All right, it's the weekend. Thanks for joining me. You're 2 00:00:32,159 --> 00:00:35,519 Speaker 1: at home with Garry Sullivan and well, let's get back 3 00:00:35,560 --> 00:00:37,680 Speaker 1: to the phone calls. At the bottom of the hour, 4 00:00:37,800 --> 00:00:42,400 Speaker 1: we're going to talk about homeowner's insurance. Beth Harper will 5 00:00:42,400 --> 00:00:46,000 Speaker 1: be joining us, and a lot of information on roofs 6 00:00:46,159 --> 00:00:51,280 Speaker 1: and changing insurance and working with a broker and flood 7 00:00:51,320 --> 00:00:54,279 Speaker 1: damage of the house. I just love to chat with 8 00:00:54,320 --> 00:00:56,680 Speaker 1: her and she shines a light on a lot of things. 9 00:00:56,720 --> 00:01:02,440 Speaker 1: We just went through examining our home owners insurance extensively, 10 00:01:03,280 --> 00:01:06,280 Speaker 1: and you got to make some decisions. I mean, it's 11 00:01:06,360 --> 00:01:08,640 Speaker 1: kind of like going to the casino. You're making a 12 00:01:08,680 --> 00:01:12,080 Speaker 1: bed on this probably ain't gonna happen. Or may you 13 00:01:12,160 --> 00:01:16,320 Speaker 1: increase your deductible? I think you'll find it interesting And 14 00:01:16,360 --> 00:01:18,200 Speaker 1: that'll be at the bottom of the hour. In the meantime, 15 00:01:18,200 --> 00:01:20,199 Speaker 1: we got Bob Bob welcome. 16 00:01:21,360 --> 00:01:22,559 Speaker 2: Hey Gary, this is Bob. 17 00:01:22,600 --> 00:01:25,520 Speaker 1: How are you doing fine? Thank you? Hey. 18 00:01:25,640 --> 00:01:28,959 Speaker 2: I have a kind of an advice question. I have 19 00:01:29,040 --> 00:01:33,000 Speaker 2: an older home and they put in an addition, a 20 00:01:33,080 --> 00:01:36,600 Speaker 2: dining room edition on the house, and obviously they did 21 00:01:36,640 --> 00:01:41,800 Speaker 2: a hip roof style addition which created up in the attic. 22 00:01:42,120 --> 00:01:44,720 Speaker 2: You know this kind of void area where they went 23 00:01:44,760 --> 00:01:50,120 Speaker 2: over the existing deck and I naturally got some valleys 24 00:01:50,160 --> 00:01:53,920 Speaker 2: on the backside of that hip roof, and it's created 25 00:01:53,960 --> 00:01:58,400 Speaker 2: some ice damning issues in the past, and I'm just 26 00:01:58,480 --> 00:02:01,840 Speaker 2: kind of curious, is anything that I can do from 27 00:02:01,920 --> 00:02:06,360 Speaker 2: an installation standpoint inside that area, whether it be a 28 00:02:06,440 --> 00:02:11,280 Speaker 2: rigid board, foam or actually put insulation down or any 29 00:02:11,320 --> 00:02:12,000 Speaker 2: thoughts there. 30 00:02:12,160 --> 00:02:15,800 Speaker 1: Well, yeah, I will tell you. It's a hard question 31 00:02:15,880 --> 00:02:18,440 Speaker 1: to answer over the phone without seeing it. I mean, 32 00:02:18,480 --> 00:02:23,240 Speaker 1: I know your problem. Hip roofs are notorious problems for 33 00:02:23,800 --> 00:02:26,520 Speaker 1: getting them fully insulated. Do you have a hip wall 34 00:02:26,600 --> 00:02:29,799 Speaker 1: up there, kind of like a half wall? It does? 35 00:02:30,200 --> 00:02:30,760 Speaker 1: It is not? 36 00:02:31,040 --> 00:02:34,880 Speaker 2: It literally just like a frames right into the existing roof. 37 00:02:35,000 --> 00:02:37,639 Speaker 2: And in fact, they even left the shingles on there 38 00:02:37,680 --> 00:02:40,720 Speaker 2: from the old home. And about five years ago I 39 00:02:40,760 --> 00:02:42,600 Speaker 2: had a new roof put on. I had them pull 40 00:02:42,680 --> 00:02:46,160 Speaker 2: those shingles off, so I got exposed one by six 41 00:02:46,280 --> 00:02:49,680 Speaker 2: decking up there that that's kind of in that space. 42 00:02:49,919 --> 00:02:55,799 Speaker 1: Yeah, yeah, So so what part are you thinking of insulaying? 43 00:02:55,840 --> 00:02:57,680 Speaker 1: Since I can't really see it, are you thinking about 44 00:02:57,720 --> 00:02:59,480 Speaker 1: insulating the underside of the roof? 45 00:02:59,520 --> 00:03:03,560 Speaker 2: For well, that's where that's where my question is would 46 00:03:03,600 --> 00:03:06,160 Speaker 2: I be better doing that if I'm gonna do something, 47 00:03:06,280 --> 00:03:07,839 Speaker 2: or would I do the decking of it. 48 00:03:08,080 --> 00:03:11,880 Speaker 1: Yeah, well, if you can get to the decking and 49 00:03:11,960 --> 00:03:15,120 Speaker 1: you're bringing are you do you you have ventilation in 50 00:03:15,160 --> 00:03:16,360 Speaker 1: that area, correct or no? 51 00:03:17,120 --> 00:03:22,200 Speaker 2: Yeah, we have ventilation and obviously other installation throughout the 52 00:03:22,240 --> 00:03:22,640 Speaker 2: rest of that. 53 00:03:23,120 --> 00:03:29,120 Speaker 1: So if you can get and keep that ventilation, because 54 00:03:29,160 --> 00:03:35,040 Speaker 1: that comes, that becomes important. Also you could do if 55 00:03:35,080 --> 00:03:39,040 Speaker 1: you can keep the ventilation and do the floor and 56 00:03:39,120 --> 00:03:44,160 Speaker 1: maybe the side to create some warmth, that may be 57 00:03:44,440 --> 00:03:50,600 Speaker 1: enough to solve the problem. Okay, if you looked at 58 00:03:50,760 --> 00:03:55,440 Speaker 1: what they call whole house encapsulation, then you would be 59 00:03:56,120 --> 00:04:00,360 Speaker 1: eliminating the ventilation, which is different than we're are used 60 00:04:00,400 --> 00:04:05,520 Speaker 1: to doing, and you would be encapsulating the sides and 61 00:04:05,600 --> 00:04:09,080 Speaker 1: the underpart of the roofing. So you allow that to 62 00:04:09,160 --> 00:04:13,840 Speaker 1: become a little bit of a conditioned space. Okay, you're 63 00:04:13,880 --> 00:04:15,960 Speaker 1: not putting a furnace up there or anything like that, 64 00:04:16,080 --> 00:04:19,919 Speaker 1: but you're gonna have heat radiating from the house, and 65 00:04:20,680 --> 00:04:23,080 Speaker 1: you're gonna buffer that heat so it doesn't melt the 66 00:04:23,160 --> 00:04:26,240 Speaker 1: snow too fast and the roof and then in the summertime, 67 00:04:26,240 --> 00:04:28,640 Speaker 1: when you're running the air conditioning. Some of that will 68 00:04:28,680 --> 00:04:33,040 Speaker 1: seep up there and it'll help with the radiant energy 69 00:04:33,080 --> 00:04:36,040 Speaker 1: coming through the roof. You see where I'm going, You're 70 00:04:36,120 --> 00:04:40,760 Speaker 1: kind of creating a semi conditioned area, And it really 71 00:04:40,839 --> 00:04:46,279 Speaker 1: depends which way you want to go. And what may 72 00:04:46,400 --> 00:04:52,000 Speaker 1: make that decision is if the conventional way with ventilation 73 00:04:52,800 --> 00:04:57,440 Speaker 1: and insulation will give you this enough protection to keep 74 00:04:57,440 --> 00:04:58,239 Speaker 1: that from happening. 75 00:04:59,240 --> 00:05:02,400 Speaker 2: Yeah, yep, it's interesting. I saw a video on that 76 00:05:02,560 --> 00:05:05,720 Speaker 2: encapsulation on YouTube this morning. I was watching it and 77 00:05:05,920 --> 00:05:08,200 Speaker 2: it was kind of intriguing how they how they do 78 00:05:08,279 --> 00:05:09,080 Speaker 2: that right? 79 00:05:09,520 --> 00:05:12,880 Speaker 1: Right, and and that you know, again, if you can't, 80 00:05:13,040 --> 00:05:15,680 Speaker 1: you might even have you know, an insulation company come 81 00:05:15,720 --> 00:05:18,120 Speaker 1: in and and I'm not saying they got to do 82 00:05:18,200 --> 00:05:20,960 Speaker 1: the job, get a bid on it in terms of 83 00:05:21,640 --> 00:05:24,719 Speaker 1: you know, what they how they would attack it. Would 84 00:05:24,760 --> 00:05:27,799 Speaker 1: they continue to use the batting, would they use foam panels, 85 00:05:28,240 --> 00:05:32,280 Speaker 1: or would they do whole house encapsulation. And you know, 86 00:05:32,520 --> 00:05:35,920 Speaker 1: since they're the specialists and they got boots on the ground, 87 00:05:35,960 --> 00:05:38,360 Speaker 1: you might be able to ferret some information from them. 88 00:05:38,680 --> 00:05:41,120 Speaker 1: But I think that's the two choices you're up against. 89 00:05:42,080 --> 00:05:46,520 Speaker 2: Yeah, understood. Yeah, this original house, it was very bad 90 00:05:46,600 --> 00:05:50,000 Speaker 2: when we first bought it with the soft events. In fact, 91 00:05:50,000 --> 00:05:53,320 Speaker 2: they didn't have enough of soffit to send out, so 92 00:05:53,360 --> 00:05:55,760 Speaker 2: it wasn't getting a lot of ventilation. So what we 93 00:05:55,839 --> 00:05:58,799 Speaker 2: did was we cut some soft it's like up off 94 00:05:58,839 --> 00:06:01,640 Speaker 2: the edge of the roof onto the decking itself to 95 00:06:01,720 --> 00:06:03,080 Speaker 2: get me some of that flow. 96 00:06:03,400 --> 00:06:07,640 Speaker 1: Right, So okay, yeah, yeah, I'm only laughing because I 97 00:06:07,680 --> 00:06:09,720 Speaker 1: grew up in a house with a hip roof and 98 00:06:09,800 --> 00:06:12,760 Speaker 1: it was you know, every bit of fifteen hundred square feet. 99 00:06:13,640 --> 00:06:18,920 Speaker 1: When mom and dad had kids, that became our bedroom. Yeah, yeah, 100 00:06:19,120 --> 00:06:21,480 Speaker 1: got a little hot in the summertime. 101 00:06:21,880 --> 00:06:25,480 Speaker 2: I bet I bet, well, Gary, I really appreciate and 102 00:06:25,839 --> 00:06:27,479 Speaker 2: thanks for some support there. 103 00:06:27,640 --> 00:06:32,240 Speaker 1: You're quite welcome. Thanks for the call. Appreciate it. Take care. Yeah. 104 00:06:32,360 --> 00:06:36,320 Speaker 1: They're very common actually, and back in that day a 105 00:06:36,360 --> 00:06:38,720 Speaker 1: lot of houses weren't air conditioned and that's the way 106 00:06:38,760 --> 00:06:41,560 Speaker 1: those hip proofs were. They're tough to insulate, and there's 107 00:06:41,560 --> 00:06:43,920 Speaker 1: still a challenge and it really depends on the lay 108 00:06:43,960 --> 00:06:47,080 Speaker 1: of the land, you know, what you can do to 109 00:06:47,200 --> 00:06:52,760 Speaker 1: create you know, it's all about ventilation and insulation unless 110 00:06:52,800 --> 00:06:55,919 Speaker 1: you do a whole house encapsulation and that's kind of 111 00:06:55,920 --> 00:07:01,360 Speaker 1: a different ballgame. But might be the ballgame you want 112 00:07:01,360 --> 00:07:04,280 Speaker 1: to be in, right, It just depends what you can 113 00:07:04,400 --> 00:07:06,600 Speaker 1: and can't do. It sounds like he might be able 114 00:07:06,640 --> 00:07:09,720 Speaker 1: to still get enough insulation or he has the ventilation, 115 00:07:09,920 --> 00:07:13,160 Speaker 1: so he's set there. But they're all kind of designed 116 00:07:13,200 --> 00:07:15,920 Speaker 1: a little bit differently, and you might have different options, 117 00:07:16,800 --> 00:07:19,480 Speaker 1: and that would certainly be one of them. It kind 118 00:07:19,520 --> 00:07:26,640 Speaker 1: of pulls into the whole discussion also of checking what 119 00:07:26,720 --> 00:07:29,280 Speaker 1: you have. And I don't care if you have a 120 00:07:29,320 --> 00:07:34,320 Speaker 1: house that's ten years old or one hundred years old, 121 00:07:36,560 --> 00:07:39,760 Speaker 1: what kind of insulation do you have? And do you know? 122 00:07:39,840 --> 00:07:43,200 Speaker 1: It's amazing. I have said it many times. Owning a 123 00:07:43,240 --> 00:07:47,600 Speaker 1: home is probably the biggest investment ninety percent of us make. 124 00:07:48,120 --> 00:07:53,240 Speaker 1: That's the biggest investment we'll make, and so many of 125 00:07:53,360 --> 00:08:00,800 Speaker 1: us don't really know what we have, such as you know, 126 00:08:00,840 --> 00:08:03,560 Speaker 1: if you have a house that's prior to nineteen seventy five, 127 00:08:04,120 --> 00:08:09,360 Speaker 1: unless you or a previous owner have added insulation in 128 00:08:09,400 --> 00:08:14,520 Speaker 1: the walls, there is none. There's none. And you know, 129 00:08:14,600 --> 00:08:17,200 Speaker 1: as you talk to your friends and they have maybe 130 00:08:17,240 --> 00:08:20,480 Speaker 1: a newer home, and maybe their newer home is bigger 131 00:08:20,520 --> 00:08:24,600 Speaker 1: than your home, and you start talking energy bills, you'll 132 00:08:24,640 --> 00:08:28,360 Speaker 1: see that this is a problem. I mean, this is 133 00:08:28,400 --> 00:08:33,920 Speaker 1: a problem, and it can be rectified. You can have 134 00:08:34,120 --> 00:08:37,400 Speaker 1: folks come in and drill holes from the outside and 135 00:08:37,480 --> 00:08:42,720 Speaker 1: pump a foam into those walls. It may not make 136 00:08:42,840 --> 00:08:47,040 Speaker 1: current standards, but what it will do is it'll eliminate 137 00:08:47,160 --> 00:08:50,440 Speaker 1: drafts and be helpful. Hey, Mike, Welcome. 138 00:08:52,320 --> 00:08:56,600 Speaker 3: Hello Gary, Yes, sir, thank you for taking my call. 139 00:08:56,679 --> 00:08:59,840 Speaker 3: I really enjoy your show and I can't wait to 140 00:08:59,880 --> 00:09:01,880 Speaker 3: be able to get to it every weekend, So thank 141 00:09:01,920 --> 00:09:02,560 Speaker 3: you for having it. 142 00:09:02,679 --> 00:09:03,520 Speaker 1: You're quite welcome. 143 00:09:04,800 --> 00:09:07,600 Speaker 3: I just there. You had a caller earlier that was 144 00:09:08,480 --> 00:09:12,719 Speaker 3: wondering about pressure from his from to the addition of 145 00:09:12,840 --> 00:09:15,560 Speaker 3: like fifty feet long, and I just wanted to pass 146 00:09:15,600 --> 00:09:17,200 Speaker 3: on just a little tid that. Now, I'm not a 147 00:09:17,280 --> 00:09:19,880 Speaker 3: licensed plumber, but I've been doing plumbing for like twenty 148 00:09:19,880 --> 00:09:22,959 Speaker 3: seven twenty eight years or so, and so what I 149 00:09:23,000 --> 00:09:25,600 Speaker 3: would pass on to him is, in order to try 150 00:09:25,640 --> 00:09:27,520 Speaker 3: to keep that pressure, you're going to have to try 151 00:09:27,559 --> 00:09:31,040 Speaker 3: to find a three quarter line someplace down there and 152 00:09:31,120 --> 00:09:33,800 Speaker 3: tap off of that and run three quarter all the 153 00:09:33,840 --> 00:09:36,560 Speaker 3: way down to where you want to go up and 154 00:09:36,600 --> 00:09:39,960 Speaker 3: through your floor reduced to half inch and then three 155 00:09:40,040 --> 00:09:42,160 Speaker 3: eighths Because if you try to run half inch all 156 00:09:42,200 --> 00:09:44,040 Speaker 3: the way down there, you're you're gonna have nothing. 157 00:09:44,120 --> 00:09:46,840 Speaker 1: Yeah, I think I missed. I did misspeak on that, 158 00:09:47,200 --> 00:09:50,840 Speaker 1: and your you're correct. And then also the other thing 159 00:09:52,000 --> 00:09:54,720 Speaker 1: which really didn't talk about is really trying to find 160 00:09:54,840 --> 00:09:57,199 Speaker 1: everything that's on that line. 161 00:09:57,840 --> 00:09:59,640 Speaker 4: Correct, correctly correct. 162 00:10:00,160 --> 00:10:03,160 Speaker 3: I was taught that by an old guy. Say, you know, 163 00:10:03,240 --> 00:10:06,600 Speaker 3: you ever seen those movies where or documentaries where they're 164 00:10:06,640 --> 00:10:09,040 Speaker 3: trying to get diamonds off the side of a mountain 165 00:10:09,040 --> 00:10:12,079 Speaker 3: and they'll run twenty four to thirty inch pike from 166 00:10:12,120 --> 00:10:14,960 Speaker 3: the ocean all the way to where they're trying to go. 167 00:10:15,080 --> 00:10:17,240 Speaker 3: By the time they get to the ocean, they've reduced 168 00:10:17,240 --> 00:10:20,160 Speaker 3: that thing so many times that they have what's what's 169 00:10:20,200 --> 00:10:22,439 Speaker 3: the equivalent of like a garden hose, and that thing 170 00:10:22,520 --> 00:10:25,320 Speaker 3: is blasting the side of the mountain. Now, so the 171 00:10:25,360 --> 00:10:28,360 Speaker 3: same principle applied to puban. You want to try to 172 00:10:28,400 --> 00:10:31,080 Speaker 3: keep the volume up as far as you can. 173 00:10:31,559 --> 00:10:34,720 Speaker 1: Very good, Well, thank you much for that. I appreciate it. Mike. 174 00:10:37,480 --> 00:10:39,720 Speaker 1: Very good. Let's take a break. We'll come back if 175 00:10:39,720 --> 00:10:41,040 Speaker 1: you'd like to join us. Do so. 176 00:10:41,440 --> 00:10:45,240 Speaker 5: It's eight hundred eight two three eight two five five. 177 00:10:45,320 --> 00:10:47,520 Speaker 1: You're at home with Gary Sullivan. 178 00:10:48,000 --> 00:10:49,960 Speaker 6: If you don't have a list of things to do 179 00:10:50,000 --> 00:10:52,760 Speaker 6: around the house, Gary will find something for you. At 180 00:10:52,840 --> 00:10:55,560 Speaker 6: one eight hundred and eighty two three tak you're at 181 00:10:55,559 --> 00:10:57,720 Speaker 6: home with Gary Sullivantor. 182 00:11:12,880 --> 00:11:16,400 Speaker 5: I've used this product because my washer smelled terrible and 183 00:11:16,520 --> 00:11:19,600 Speaker 5: let me tell you it worked great. Hi, Gary Sullivan. Here, 184 00:11:20,000 --> 00:11:22,600 Speaker 5: Now my water's crystal clear. I've got real peace of 185 00:11:22,640 --> 00:11:27,160 Speaker 5: mind with Awesome Watercare. Their products remove all the hidden gunk, biofilm, 186 00:11:27,240 --> 00:11:30,959 Speaker 5: bacterium build up from hot tubs, jetted tubs, swim spots, 187 00:11:31,080 --> 00:11:35,559 Speaker 5: even washers and dishwashers. 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They repair and replace 212 00:12:55,920 --> 00:13:00,360 Speaker 5: water heaters, garbage disposals, some pumps, water softeners, and other 213 00:13:00,400 --> 00:13:02,520 Speaker 5: residential a commercial plumbing fixture. 214 00:13:02,840 --> 00:13:04,719 Speaker 1: I use routor Ruter at my house. 215 00:13:04,480 --> 00:13:07,000 Speaker 5: And you should leave plumbing to the pros too, Call 216 00:13:07,080 --> 00:13:10,839 Speaker 5: one eight hundred, get rutto or go to rotrouter dot 217 00:13:10,880 --> 00:13:13,160 Speaker 5: com today. 218 00:13:18,320 --> 00:13:21,280 Speaker 1: Hey, we're talking a little home improvement. Thanks for joining me. 219 00:13:21,360 --> 00:13:24,000 Speaker 1: You're at home with Gary Sullivan. By the way, our 220 00:13:24,080 --> 00:13:26,320 Speaker 1: phone number if you'd like to jump on board, you can, 221 00:13:26,400 --> 00:13:29,760 Speaker 1: it's eight hundred eight two three eight two five five. 222 00:13:30,679 --> 00:13:32,920 Speaker 1: It just wouldn't be a good winter day if we 223 00:13:32,960 --> 00:13:35,640 Speaker 1: didn't talk about the humidity level in your home. You know, 224 00:13:36,880 --> 00:13:41,720 Speaker 1: humidity in your home crashes when it's cold outside. And 225 00:13:42,240 --> 00:13:46,400 Speaker 1: if you're wondering right now what your humidity should be 226 00:13:46,400 --> 00:13:50,040 Speaker 1: in your home, and let's say it's thirty degrees outside, 227 00:13:50,640 --> 00:13:53,880 Speaker 1: your humidity level should be around thirty five percent. And 228 00:13:53,920 --> 00:13:57,600 Speaker 1: if it's going down to zero, well that humidity should 229 00:13:57,600 --> 00:14:03,319 Speaker 1: probably be around Yeah, it's not gonna be as comfortable, 230 00:14:03,360 --> 00:14:07,080 Speaker 1: but you get any higher than that, you'll create condensation 231 00:14:07,280 --> 00:14:13,679 Speaker 1: on windows, maybe even tile surfaces. That's where condensation is 232 00:14:13,679 --> 00:14:19,400 Speaker 1: going to take place, hard slick surfaces, so you know 233 00:14:20,680 --> 00:14:25,600 Speaker 1: it's it's dry, and you also don't want to work 234 00:14:25,680 --> 00:14:30,920 Speaker 1: really hard at adding too much humidity. And the prime 235 00:14:31,040 --> 00:14:39,240 Speaker 1: culprit is when you're cooking or you're showering, and let's 236 00:14:39,240 --> 00:14:41,880 Speaker 1: say it's you know, really cold outside and your community 237 00:14:41,960 --> 00:14:44,640 Speaker 1: should be you know, say thirty five percent or less, 238 00:14:46,200 --> 00:14:48,200 Speaker 1: and you don't have that fan on, or you don't 239 00:14:48,200 --> 00:14:50,760 Speaker 1: have a fan in the bathroom, or you turn off 240 00:14:50,760 --> 00:14:54,200 Speaker 1: that fan after the shower's over and you're cooking without 241 00:14:54,240 --> 00:14:57,320 Speaker 1: a fan. That moisture that you're adding can make your 242 00:14:57,360 --> 00:15:00,400 Speaker 1: home comfortable. I mean, if you're running a humidity level 243 00:15:00,440 --> 00:15:04,520 Speaker 1: of twenty percent, you know, go ahead and enjoy that 244 00:15:04,600 --> 00:15:07,480 Speaker 1: extra moisture. Maybe it'll bump it up to thirty thirty 245 00:15:07,520 --> 00:15:13,040 Speaker 1: five percent. But as it dries out outside and your 246 00:15:13,080 --> 00:15:16,040 Speaker 1: home umidity still sitting around thirty five percent, you start 247 00:15:16,160 --> 00:15:19,360 Speaker 1: using a bathroom fan, or you're gonna have water rolling 248 00:15:19,360 --> 00:15:23,160 Speaker 1: down your windows or maybe rotting out the window sill, 249 00:15:24,000 --> 00:15:27,000 Speaker 1: bouncing that humidity, and we talk about it a lot 250 00:15:28,000 --> 00:15:30,680 Speaker 1: is really a key to a healthy home, quite honestly, 251 00:15:30,760 --> 00:15:34,600 Speaker 1: because too much moisture. Remember water is your number one enemy, 252 00:15:36,080 --> 00:15:40,880 Speaker 1: and if it starts doing damage to plaster walls underneath 253 00:15:40,880 --> 00:15:47,360 Speaker 1: a marble window sill or rotting a wood windowsill, um 254 00:15:48,240 --> 00:15:54,200 Speaker 1: that can get become expensive repairs or even mold. So 255 00:15:54,520 --> 00:15:58,960 Speaker 1: always pay attention to your humidity levels inside your home 256 00:15:59,640 --> 00:16:06,600 Speaker 1: regards wardless of where you're at in the seasons. Very important. 257 00:16:07,480 --> 00:16:13,920 Speaker 1: All right, let's go to Mike. Mike, welcome, Hi Gary. 258 00:16:14,000 --> 00:16:17,880 Speaker 4: I'm sorry it turned on the phone, turned on the radio. 259 00:16:18,480 --> 00:16:22,800 Speaker 4: It's quick. My goodness, Hey, thanks for taking my call here. 260 00:16:22,800 --> 00:16:25,000 Speaker 4: I listened to you every Saturday and Sunday sometimes. 261 00:16:25,080 --> 00:16:25,320 Speaker 1: Thank you. 262 00:16:26,880 --> 00:16:30,720 Speaker 4: I heard you talking about this morning about frozen faucets, 263 00:16:31,080 --> 00:16:35,760 Speaker 4: outdoor faucets. For years, I've been so good about it, 264 00:16:36,080 --> 00:16:39,400 Speaker 4: unhooking the hose and h but this year the cold 265 00:16:39,480 --> 00:16:44,720 Speaker 4: came on so fast after Cleveland. Yeah, my outdoor water spicket, 266 00:16:46,240 --> 00:16:49,320 Speaker 4: I if in my garage, if the pipe comes in 267 00:16:49,880 --> 00:16:52,120 Speaker 4: through the length of my garage out to the spicket, 268 00:16:52,120 --> 00:16:54,720 Speaker 4: of course, and and all of a sudden I heard 269 00:16:54,760 --> 00:16:59,920 Speaker 4: a little water running, So the water was turned off. 270 00:17:00,160 --> 00:17:04,119 Speaker 4: The water started coming out of the spicot, and the 271 00:17:04,560 --> 00:17:08,480 Speaker 4: handle is frozen solid. I cannot turn it. I tried 272 00:17:08,480 --> 00:17:10,240 Speaker 4: to put a space heater on it the other day 273 00:17:10,240 --> 00:17:11,680 Speaker 4: when we had a little bit of a warm up. 274 00:17:13,480 --> 00:17:17,480 Speaker 4: But my question is, do you think it's the pipe 275 00:17:17,520 --> 00:17:19,719 Speaker 4: that goes through the wall that may be crap, but 276 00:17:20,280 --> 00:17:24,240 Speaker 4: or you think it could be the stem that's frozen causing. 277 00:17:24,240 --> 00:17:25,720 Speaker 1: You know what I was going to ask you the 278 00:17:25,760 --> 00:17:27,679 Speaker 1: same thing. I was going to ask you the exact 279 00:17:27,680 --> 00:17:31,040 Speaker 1: same thing. Do you think it's just jammed or you know, 280 00:17:31,520 --> 00:17:34,080 Speaker 1: you know nice ice doesn't have anything to do with it, 281 00:17:35,400 --> 00:17:37,720 Speaker 1: And you need a little pebe blaster to let that 282 00:17:37,880 --> 00:17:40,520 Speaker 1: sit there and marinate for a couple hours and see 283 00:17:40,520 --> 00:17:43,159 Speaker 1: if it turns or is it ice? If you had 284 00:17:43,160 --> 00:17:46,520 Speaker 1: a space heater on it, it could be that it 285 00:17:46,680 --> 00:17:50,000 Speaker 1: just needs a little you know, penetrating oil on there. 286 00:17:52,000 --> 00:17:56,200 Speaker 1: So there's no way real way of knowing unless we 287 00:17:56,280 --> 00:17:58,879 Speaker 1: open up that wall, to be honest with you, because 288 00:17:58,920 --> 00:18:04,080 Speaker 1: that's where the pipe is. Was the hose attached to it? 289 00:18:06,119 --> 00:18:10,800 Speaker 4: No, it wasn't. I was not attached. But I, like 290 00:18:10,840 --> 00:18:13,240 Speaker 4: I said, the cold came on so fast I didn't 291 00:18:13,240 --> 00:18:15,920 Speaker 4: turn off the water in the garage. So I think 292 00:18:16,119 --> 00:18:18,720 Speaker 4: obviously with some water sitting in the stem in that. 293 00:18:18,640 --> 00:18:20,960 Speaker 1: Pipe, does that garage get that cold? 294 00:18:22,760 --> 00:18:26,639 Speaker 4: Sometimes it does. One year that that extended pipe in 295 00:18:26,680 --> 00:18:29,359 Speaker 4: there did freeze, and I always try to blow it 296 00:18:29,400 --> 00:18:31,120 Speaker 4: out from the outside, of course, But. 297 00:18:31,440 --> 00:18:33,439 Speaker 1: Is it a frost proof or is it just a 298 00:18:33,480 --> 00:18:36,200 Speaker 1: regular piece of copper line that comes right into It's 299 00:18:36,200 --> 00:18:39,320 Speaker 1: like a boiler faucet or something like that. 300 00:18:40,480 --> 00:18:42,400 Speaker 4: I'm sure it's not a frost. 301 00:18:42,119 --> 00:18:49,840 Speaker 1: Proof that okay, and so yeah, see, so I don't 302 00:18:49,880 --> 00:18:53,720 Speaker 1: know if that water is frozen. But did you say 303 00:18:53,720 --> 00:18:55,680 Speaker 1: you got some water out of it at one time? 304 00:18:55,760 --> 00:18:55,879 Speaker 7: Though? 305 00:18:57,600 --> 00:19:01,240 Speaker 4: Yeah, I mean when it and I heard the water running, 306 00:19:01,720 --> 00:19:04,399 Speaker 4: the water was coming out of them, out of the 307 00:19:04,440 --> 00:19:05,320 Speaker 4: poker out. 308 00:19:06,119 --> 00:19:10,159 Speaker 1: Okay, okay. So if it's coming out of the fun 309 00:19:10,359 --> 00:19:12,760 Speaker 1: and you can't get to that pipe, so that's the 310 00:19:12,800 --> 00:19:15,320 Speaker 1: only issue. I think what I would do, quite honestly, 311 00:19:15,320 --> 00:19:18,399 Speaker 1: I'd get some PV blaster. I'd worked out around that 312 00:19:18,520 --> 00:19:20,600 Speaker 1: stem and see if we can open it up. If 313 00:19:20,680 --> 00:19:23,800 Speaker 1: if that's not the case, you're probably gonna have to 314 00:19:23,840 --> 00:19:26,440 Speaker 1: shut off the water on the inside, use the bleeder 315 00:19:26,480 --> 00:19:33,080 Speaker 1: cup and go from there. 316 00:19:33,119 --> 00:19:35,920 Speaker 6: Time to get your hands dirty with Gary Cellivan give 317 00:19:35,960 --> 00:19:38,720 Speaker 6: them a call at one eight eight two three talk 318 00:19:38,920 --> 00:19:41,200 Speaker 6: you're at home with Gary cellibrator. 319 00:19:57,280 --> 00:19:59,560 Speaker 5: So what can make your winner easier to deal with 320 00:19:59,600 --> 00:20:03,120 Speaker 5: the answer or is blaster's industrial strengths silicon lubricn It's 321 00:20:03,160 --> 00:20:06,840 Speaker 5: perfect for snowshovels, snowblowers, and it'll keep snow from sticking 322 00:20:06,880 --> 00:20:09,800 Speaker 5: and clogging. 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Before we get 358 00:22:12,920 --> 00:22:15,840 Speaker 1: to Beth Harper or I just want to kind of 359 00:22:15,840 --> 00:22:18,600 Speaker 1: reiterate a little something with that frozen pipe because we 360 00:22:18,720 --> 00:22:25,399 Speaker 1: got short changed on time. If the obviously if it's 361 00:22:25,440 --> 00:22:28,720 Speaker 1: an outdoor faucet, it's inside the garage and it just 362 00:22:28,800 --> 00:22:32,680 Speaker 1: trickled water and then it stopped, and he was wondering 363 00:22:32,760 --> 00:22:36,720 Speaker 1: whether it's the faucet that was frozen or jammed with 364 00:22:36,840 --> 00:22:40,560 Speaker 1: the stem, or whether the pipe had ice in it. 365 00:22:41,320 --> 00:22:43,600 Speaker 1: He said he put a space heater near that, and 366 00:22:43,680 --> 00:22:47,600 Speaker 1: if it were the faucet at that point and the 367 00:22:47,760 --> 00:22:51,560 Speaker 1: valve was opened, it probably would have started dripping. My 368 00:22:51,680 --> 00:22:55,520 Speaker 1: guess is it is the pipe that is frozen, and 369 00:22:55,560 --> 00:22:59,679 Speaker 1: the only way you're really going to take care of 370 00:22:59,680 --> 00:23:03,520 Speaker 1: that is introduced heat. Now that pipe's inside the wall. 371 00:23:03,960 --> 00:23:07,520 Speaker 1: Hopefully there's just shut off valve on knee where you 372 00:23:07,520 --> 00:23:10,280 Speaker 1: could shut off the waterline or the water going to 373 00:23:10,560 --> 00:23:13,520 Speaker 1: that particular faucet. But then somehow you're going to have 374 00:23:13,560 --> 00:23:17,159 Speaker 1: to introduce heat inside a wall, even if just a 375 00:23:17,200 --> 00:23:20,320 Speaker 1: little bit of an opening cut above that faucet and 376 00:23:20,359 --> 00:23:23,560 Speaker 1: a hair dryer put in there where you would kind 377 00:23:23,560 --> 00:23:25,639 Speaker 1: of warm that up. So I did want to just 378 00:23:25,680 --> 00:23:29,000 Speaker 1: make sure we finished answer and that. So Beth Harper's 379 00:23:29,040 --> 00:23:32,639 Speaker 1: with us, and she is an insurance broker, and speaking 380 00:23:32,720 --> 00:23:37,640 Speaker 1: of frozen pipes, that might be a claim down the road. Beth, welcome, 381 00:23:37,680 --> 00:23:38,199 Speaker 1: how are you. 382 00:23:39,800 --> 00:23:43,200 Speaker 7: I'm wonderful, Gary, I hear you're doing awfully well as well. 383 00:23:43,560 --> 00:23:47,760 Speaker 1: I'm trying, trying my best, trying my best. It was funny. 384 00:23:47,840 --> 00:23:50,760 Speaker 1: I wrote you a couple of days ago and said, hey, 385 00:23:50,800 --> 00:23:53,560 Speaker 1: you want to jump on. I've been reading different things 386 00:23:53,600 --> 00:23:58,280 Speaker 1: about roofing and new hail requirements, and I know last 387 00:23:58,320 --> 00:24:01,919 Speaker 1: time we talked about you said insurance coverage on roof's 388 00:24:02,000 --> 00:24:05,200 Speaker 1: is really changing. So I just kind of wanted to 389 00:24:05,240 --> 00:24:07,879 Speaker 1: tap in and what are you hear and what are 390 00:24:07,920 --> 00:24:12,400 Speaker 1: you seeing when it comes to roofing claims and what 391 00:24:12,440 --> 00:24:16,480 Speaker 1: can people expect and should they be asking questions, et cetera. 392 00:24:18,359 --> 00:24:21,199 Speaker 7: They should always ask questions. And what I'd like to 393 00:24:21,200 --> 00:24:23,800 Speaker 7: say is if every one of your listeners, I don't 394 00:24:23,840 --> 00:24:26,560 Speaker 7: expect any of them to ever have issues with insurance 395 00:24:26,600 --> 00:24:29,879 Speaker 7: claims because what you do is what a home owner 396 00:24:29,960 --> 00:24:33,840 Speaker 7: needs to do to protect their most important and expensive asset. 397 00:24:34,200 --> 00:24:37,680 Speaker 7: Just walk around, look around. If you're in the spring, summer, fall, 398 00:24:37,720 --> 00:24:40,560 Speaker 7: and you look around the outside of your house and 399 00:24:40,600 --> 00:24:44,000 Speaker 7: it looks like somebody is dribbling kitty litter around it, Garry, 400 00:24:44,040 --> 00:24:45,440 Speaker 7: you know it's not kitty litter. 401 00:24:45,280 --> 00:24:45,959 Speaker 1: Is it. 402 00:24:45,960 --> 00:24:49,399 Speaker 7: It's all the asphalt shingles coming off, right, all that 403 00:24:49,520 --> 00:24:53,240 Speaker 7: grit right. That is your first sign as a homeowner 404 00:24:53,280 --> 00:24:56,000 Speaker 7: that not as well. Nothing as well with your roof. 405 00:24:56,040 --> 00:24:57,960 Speaker 7: You need to get a professional up there and check 406 00:24:58,000 --> 00:25:02,879 Speaker 7: it out. I always reckon men, always before all my clients. 407 00:25:02,920 --> 00:25:05,120 Speaker 7: When they call me with a claim, I say, did 408 00:25:05,160 --> 00:25:09,560 Speaker 7: you have an estimate? What did they say? Is the problem? 409 00:25:10,200 --> 00:25:14,560 Speaker 7: That is very crucial. I'll quick stories, real quick stories. 410 00:25:15,200 --> 00:25:18,240 Speaker 7: Contractors now know that there is a limited loss settlement 411 00:25:18,359 --> 00:25:21,679 Speaker 7: on the majority of the carryokers out there, meaning for 412 00:25:21,840 --> 00:25:26,480 Speaker 7: traditional asphalt roof at ten years, it's now actual cash value, 413 00:25:26,480 --> 00:25:30,159 Speaker 7: which is depreciation unless you're deductible, and you also lose 414 00:25:30,200 --> 00:25:34,160 Speaker 7: your cosmetic matching coverage. That endorsement will be removed from 415 00:25:34,200 --> 00:25:37,560 Speaker 7: your policy at that time. Now, since contractors know that 416 00:25:38,440 --> 00:25:42,159 Speaker 7: they want to help you get a new roof, the 417 00:25:42,280 --> 00:25:46,840 Speaker 7: problem with that is they don't know your policy. And 418 00:25:47,600 --> 00:25:51,639 Speaker 7: back in September I had two back to back claims 419 00:25:51,680 --> 00:25:54,919 Speaker 7: and both of them were done by a contractor that 420 00:25:55,040 --> 00:25:59,879 Speaker 7: gave an exact date of damage. Okay, that may be correct. 421 00:26:00,119 --> 00:26:03,200 Speaker 7: I will tell you right now, your claims adjuster knows 422 00:26:03,200 --> 00:26:06,840 Speaker 7: your policy inside it out, and they have access to 423 00:26:07,080 --> 00:26:10,879 Speaker 7: more weather information than a contractor ever will. One of 424 00:26:10,880 --> 00:26:14,200 Speaker 7: the things that happened and the claim was denied is 425 00:26:14,280 --> 00:26:18,320 Speaker 7: because it was outside of a year, So this claim 426 00:26:18,440 --> 00:26:21,959 Speaker 7: supposedly happened. I'm going to make dates up just protect 427 00:26:22,040 --> 00:26:25,760 Speaker 7: in case they're listening. Say the claim happened May fifth 428 00:26:25,800 --> 00:26:30,520 Speaker 7: of twenty twenty four. The policy year is, let's just 429 00:26:30,560 --> 00:26:34,359 Speaker 7: say August to August, and you put a claim in 430 00:26:34,400 --> 00:26:38,320 Speaker 7: for May in twenty twenty or I'm sorry, in July 431 00:26:38,680 --> 00:26:41,679 Speaker 7: of twenty twenty five. You're outside the year. There is 432 00:26:41,720 --> 00:26:45,720 Speaker 7: no coverage. And so that actually happened because that's when 433 00:26:45,720 --> 00:26:48,760 Speaker 7: the contractor picked a date. I talked to this person 434 00:26:48,880 --> 00:26:52,040 Speaker 7: in depth and there said, well, yeah, my roof is bad, 435 00:26:52,359 --> 00:26:55,240 Speaker 7: there's lots of damage up there. I need it replaced. 436 00:26:55,240 --> 00:27:00,119 Speaker 7: Why won't my insurance company replace it? Very sad. So 437 00:27:00,440 --> 00:27:04,439 Speaker 7: the idea here is, if you have a contractor telling 438 00:27:04,480 --> 00:27:06,960 Speaker 7: you you have damage, don't let them. Don't make up 439 00:27:06,960 --> 00:27:10,480 Speaker 7: a date. Nobody unless you went out immediately after a 440 00:27:10,520 --> 00:27:14,119 Speaker 7: storm or something happened immediately after a storm and you 441 00:27:14,320 --> 00:27:18,640 Speaker 7: know it, you don't know. You really don't know your claim. 442 00:27:18,680 --> 00:27:21,639 Speaker 7: Suggest will find out for you. So get that estimate. 443 00:27:22,240 --> 00:27:25,520 Speaker 7: Make sure it's somebody that isn't trying to help you. 444 00:27:26,040 --> 00:27:30,280 Speaker 7: If a contractor ever wants to see your homeowners policy, 445 00:27:30,480 --> 00:27:34,520 Speaker 7: do not give it to them. They're looking for ins 446 00:27:34,560 --> 00:27:40,439 Speaker 7: and outs. Besides containing a whole bunch of personal data, 447 00:27:41,160 --> 00:27:44,200 Speaker 7: they're looking for loopholes to get your claim covered. Well, 448 00:27:44,240 --> 00:27:46,600 Speaker 7: you know what, that's kind of my job. Don't let 449 00:27:46,720 --> 00:27:50,200 Speaker 7: somebody out there promise you a new roof, because once 450 00:27:50,320 --> 00:27:54,879 Speaker 7: you submit that claim, it's on the record. A homeowner's 451 00:27:54,880 --> 00:27:59,239 Speaker 7: claim stays for five years on your policy, unlike an 452 00:27:59,280 --> 00:28:01,880 Speaker 7: auto which is a round three unless it's a major violation. 453 00:28:03,359 --> 00:28:06,360 Speaker 7: That means for five years that has to replace. Now, 454 00:28:06,400 --> 00:28:10,000 Speaker 7: if the claim's denied, well there's damage. Now they're going 455 00:28:10,080 --> 00:28:12,000 Speaker 7: to want to know what did you do about that? 456 00:28:12,040 --> 00:28:14,280 Speaker 7: How did you mitigate that damage? And you have to 457 00:28:14,320 --> 00:28:18,440 Speaker 7: submit proof that you actually took care of it on 458 00:28:18,520 --> 00:28:21,280 Speaker 7: your dime because the claim was denied and you can 459 00:28:21,400 --> 00:28:23,720 Speaker 7: be non renewed. Now you're going to say, well, I'll 460 00:28:23,760 --> 00:28:27,440 Speaker 7: just go find another I'll find another carrier. Yeah, that's 461 00:28:27,480 --> 00:28:30,560 Speaker 7: my job too. You call in and say, hey, I'm 462 00:28:30,600 --> 00:28:33,920 Speaker 7: mad at my insurance carrier. They didn't pay correctly on 463 00:28:33,960 --> 00:28:37,560 Speaker 7: this claim and I want out. I'm like, okay, when 464 00:28:37,640 --> 00:28:40,400 Speaker 7: was a claim? It was last year. Well, guess what 465 00:28:41,000 --> 00:28:43,640 Speaker 7: if it's a claim that ended up being over forty 466 00:28:43,680 --> 00:28:46,200 Speaker 7: thousand dollars. That's well over a limit of one of 467 00:28:46,240 --> 00:28:48,080 Speaker 7: the ones that a carrier. If I talk to the 468 00:28:48,160 --> 00:28:51,360 Speaker 7: underwriter and go, hey, this is what's going on, they're 469 00:28:51,400 --> 00:28:53,800 Speaker 7: going to say that damage is forty thousand dollars. We 470 00:28:53,880 --> 00:28:57,920 Speaker 7: will not write that risk. So you end up hurting 471 00:28:57,960 --> 00:29:02,120 Speaker 7: yourself because you didn't do enough homework and talk enough 472 00:29:02,120 --> 00:29:06,680 Speaker 7: to your agent, and that impacts how you protect your 473 00:29:06,680 --> 00:29:09,280 Speaker 7: home and work. 474 00:29:10,680 --> 00:29:12,960 Speaker 1: I got to tell you, bet that a broker in 475 00:29:12,960 --> 00:29:18,600 Speaker 1: insurance is a vital connection to problems that everybody is 476 00:29:18,640 --> 00:29:22,440 Speaker 1: eventually going to have because you can talk to them 477 00:29:22,520 --> 00:29:27,720 Speaker 1: just like you're talking to us. And it was about gosh, 478 00:29:27,800 --> 00:29:32,640 Speaker 1: I think the end of the summer. Our insurance was 479 00:29:32,640 --> 00:29:36,040 Speaker 1: coming up from renewal, and because I had talked to you, 480 00:29:36,400 --> 00:29:38,920 Speaker 1: I suggested my wife that we need to really do 481 00:29:39,000 --> 00:29:42,800 Speaker 1: a deep dive in our insurance. And we had not 482 00:29:42,920 --> 00:29:46,239 Speaker 1: been having We had a broker that we liked and 483 00:29:46,280 --> 00:29:49,320 Speaker 1: then he sold the business and the new person we 484 00:29:49,400 --> 00:29:52,320 Speaker 1: had no relationship with it. It was just picked up 485 00:29:52,400 --> 00:29:57,040 Speaker 1: and you know, that was it. So we looked at 486 00:29:57,120 --> 00:29:59,800 Speaker 1: the insurance and then we got some referrals on different 487 00:30:00,000 --> 00:30:04,240 Speaker 1: brokers and my wife went and talked to him, and 488 00:30:04,320 --> 00:30:06,960 Speaker 1: she goes, we're gonna, we're gonna deal with this, lady, 489 00:30:07,880 --> 00:30:09,960 Speaker 1: and you need to come with us, and we need 490 00:30:10,000 --> 00:30:15,360 Speaker 1: to go through this whole policy and best. She spent 491 00:30:15,520 --> 00:30:16,720 Speaker 1: three hours. 492 00:30:16,280 --> 00:30:19,320 Speaker 4: With us, and that's my normal. 493 00:30:19,640 --> 00:30:25,440 Speaker 1: I learned so much. And in a way, I jokingly said, well, 494 00:30:25,480 --> 00:30:29,880 Speaker 1: it's like going to the casino. We're placing bets. Yes, 495 00:30:30,120 --> 00:30:33,280 Speaker 1: you know, yeah, I think earthquake. I'm gonna I'm gonna. 496 00:30:33,360 --> 00:30:36,040 Speaker 1: I'm gonna. You know, I'm not gonna do that. I'm 497 00:30:36,040 --> 00:30:40,080 Speaker 1: gonna do this. And why don't we raise this, uh, 498 00:30:40,280 --> 00:30:44,720 Speaker 1: you know, deductible we can you know, cover a little incident, 499 00:30:46,400 --> 00:30:48,560 Speaker 1: you know. And it was I forget where it was, 500 00:30:48,640 --> 00:30:50,959 Speaker 1: but I think we moved it up to like twenty 501 00:30:51,000 --> 00:30:53,080 Speaker 1: five hundred or may it was even a little bit more. 502 00:30:54,000 --> 00:30:57,520 Speaker 1: And you're right, you just don't want you don't want 503 00:30:57,560 --> 00:31:01,240 Speaker 1: to be worrying that insurance is not there to cover everything. 504 00:31:01,320 --> 00:31:04,480 Speaker 1: It's there to take the big hit. Correct. 505 00:31:05,680 --> 00:31:09,880 Speaker 7: Absolutely, it is not for maintenance. Ye back in the 506 00:31:09,880 --> 00:31:11,959 Speaker 7: old days, I'm going to say the old days were 507 00:31:12,000 --> 00:31:14,760 Speaker 7: twenty years ago. It was used a lot for maintenance, 508 00:31:15,040 --> 00:31:18,040 Speaker 7: I agree, But then we had for the past five 509 00:31:18,360 --> 00:31:22,280 Speaker 7: well for past six years. So when we started having 510 00:31:22,360 --> 00:31:25,400 Speaker 7: all those big storms that came through starting in twenty 511 00:31:25,400 --> 00:31:29,520 Speaker 7: two that affected my area real heavy, and then every 512 00:31:29,880 --> 00:31:34,120 Speaker 7: year there was another big storm since then. Since a 513 00:31:34,160 --> 00:31:37,120 Speaker 7: lot of that stuff they had to replace, they go 514 00:31:37,280 --> 00:31:39,000 Speaker 7: up on the roof and it's like, well, yeah, this 515 00:31:39,160 --> 00:31:42,160 Speaker 7: roof gave away. It's a maintenance issue. Everything's writted up. 516 00:31:42,360 --> 00:31:45,600 Speaker 7: You can see where the shingles are curling. They're like, 517 00:31:45,680 --> 00:31:49,360 Speaker 7: why am I replacing a roof that has real maintenance 518 00:31:49,440 --> 00:31:54,440 Speaker 7: damage from this storm versus replacing a roof that doesn't 519 00:31:54,480 --> 00:31:57,520 Speaker 7: have any maintenance damage. So that's changed a lot, and 520 00:31:57,800 --> 00:32:01,959 Speaker 7: quite honestly, I agree with that. People will argue with 521 00:32:02,040 --> 00:32:04,600 Speaker 7: me on that, and I'll say, okay, if you never 522 00:32:04,680 --> 00:32:08,000 Speaker 7: put oil in your car and your enginecies is up, 523 00:32:08,480 --> 00:32:11,320 Speaker 7: do you file a claim on that? Well, no, Well 524 00:32:11,400 --> 00:32:15,320 Speaker 7: it's a maintenance issue. If you, as you always talk, 525 00:32:15,840 --> 00:32:17,120 Speaker 7: get up there. If you don't want to get on 526 00:32:17,120 --> 00:32:19,880 Speaker 7: a ladder, call somebody to get up there. Your neighbor 527 00:32:19,920 --> 00:32:22,720 Speaker 7: has a drone, get the drone up there and take pictures. 528 00:32:23,040 --> 00:32:26,800 Speaker 7: Look at your own roof. You have to have accountability 529 00:32:26,840 --> 00:32:30,760 Speaker 7: for it. Insurance is year two year. It is not 530 00:32:30,960 --> 00:32:35,200 Speaker 7: a lifetime. Now that being said, there's loyalty built up 531 00:32:35,280 --> 00:32:38,080 Speaker 7: as well, and that loyalty isn't built up and you 532 00:32:38,160 --> 00:32:41,000 Speaker 7: deserve a new roof, it's built up and well. At 533 00:32:41,040 --> 00:32:44,480 Speaker 7: your renewal because you haven't had any claims, we're going 534 00:32:44,520 --> 00:32:48,480 Speaker 7: to increase your claims free discount. That's where the loyalty 535 00:32:48,560 --> 00:32:52,280 Speaker 7: comes in. But it's year to year, and which makes sense. 536 00:32:52,720 --> 00:32:56,840 Speaker 7: When you're driving, when you start out at sixteen, same thing, 537 00:32:56,960 --> 00:32:59,360 Speaker 7: it's year to year. As you continue to drive, you 538 00:32:59,360 --> 00:33:03,240 Speaker 7: get more. The risk drops, your insurance drops. Same thing. 539 00:33:03,240 --> 00:33:07,080 Speaker 7: You maintain your home, your wrist drops because you're maintaining it. 540 00:33:07,560 --> 00:33:12,320 Speaker 7: One of the questions you had asked about was the oh, 541 00:33:12,680 --> 00:33:15,000 Speaker 7: Gary had just lost my mind. I'm not looking at 542 00:33:15,000 --> 00:33:15,600 Speaker 7: your email. 543 00:33:15,840 --> 00:33:18,320 Speaker 1: That's all right, because I've got a couple other questions 544 00:33:18,400 --> 00:33:20,360 Speaker 1: I want to ask, and one of them with the 545 00:33:20,520 --> 00:33:24,440 Speaker 1: cold weather, we talk about ice dams, we talk about 546 00:33:24,480 --> 00:33:27,440 Speaker 1: frozen pipes, and let me take a break, Beth, and 547 00:33:27,440 --> 00:33:31,840 Speaker 1: we'll come back and address that because that is also maintenance. 548 00:33:31,880 --> 00:33:35,240 Speaker 1: I'm just curious how that works out. We'll continue. Beth Harper. 549 00:33:35,320 --> 00:33:39,040 Speaker 1: She is a insurance broker out of the Cleveland, Ohio area, 550 00:33:39,600 --> 00:33:42,040 Speaker 1: and she's been kind enough to give us a half 551 00:33:42,080 --> 00:33:46,760 Speaker 1: hour and chat a little bit about homeowner's insurance will continue. 552 00:33:46,840 --> 00:33:48,720 Speaker 1: You're at home with Gary Sullivan. 553 00:33:49,640 --> 00:33:52,200 Speaker 6: Helme for your home is just a click away at 554 00:33:52,240 --> 00:33:54,400 Speaker 6: Garysullivan online dot com. 555 00:33:54,600 --> 00:34:08,320 Speaker 8: This is at home with Gary Sullivan. 556 00:34:13,120 --> 00:34:15,799 Speaker 5: So your basement is dry sealed and maybe even have 557 00:34:15,960 --> 00:34:18,840 Speaker 5: some pumps, but yet the musty odor still lingers. You 558 00:34:18,960 --> 00:34:22,400 Speaker 5: need to ventilate below grade spaces. All basements and crawl 559 00:34:22,400 --> 00:34:25,560 Speaker 5: spaces need air exchanges in order to prevent musty smells 560 00:34:25,560 --> 00:34:28,839 Speaker 5: and moisture build up. The easy Breathe provides critical air 561 00:34:28,880 --> 00:34:32,520 Speaker 5: exchanges to great and maintain healthy indoor air quality. And 562 00:34:32,600 --> 00:34:36,040 Speaker 5: right now, get twenty percent off in two free ministats 563 00:34:36,080 --> 00:34:39,160 Speaker 5: with every Easy breath purchase called eight six six eight 564 00:34:39,200 --> 00:34:43,320 Speaker 5: two two seventy three twenty eight visit easybreed dot com. 565 00:34:43,440 --> 00:34:46,960 Speaker 5: I've used this product because my washer smelled terrible, and 566 00:34:47,080 --> 00:34:50,160 Speaker 5: let me tell you it worked great. Hi Gary Sullivan. Here, 567 00:34:50,560 --> 00:34:53,160 Speaker 5: Now my water's crystal clear. 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Well, it's fall, and that means smart 574 00:35:15,080 --> 00:35:18,440 Speaker 5: homeowners are preparing their homes for winter, especially they're plumbing. 575 00:35:18,719 --> 00:35:21,960 Speaker 5: Hi the scary solvent for Roto Router plumbing and water cleanup. 576 00:35:22,200 --> 00:35:25,000 Speaker 5: I want you to go outside, unscrew your garden hose 577 00:35:25,040 --> 00:35:27,280 Speaker 5: and check those outdoor faucets for drips. 578 00:35:27,600 --> 00:35:27,880 Speaker 1: Listen. 579 00:35:27,880 --> 00:35:30,560 Speaker 5: If they're leaking now, they could freeze and burst this winter, 580 00:35:30,960 --> 00:35:34,759 Speaker 5: causing expensive water damage and plumbing repairs. The time to 581 00:35:34,800 --> 00:35:38,200 Speaker 5: fix dripping hose bibs is right now. 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Or visit Dumont Global dot com. A's Dumont 592 00:36:08,200 --> 00:36:11,799 Speaker 5: Global dot com Dumont Smart, safe and proven. So do 593 00:36:11,840 --> 00:36:12,920 Speaker 5: it yourself with Demon. 594 00:36:27,400 --> 00:36:29,480 Speaker 1: All right, back out and we go. We are talking 595 00:36:29,520 --> 00:36:32,600 Speaker 1: about homeowners insurance. Beth Harper is my guest out of 596 00:36:32,640 --> 00:36:37,919 Speaker 1: the Cleveland, Ohio area, and Beth, one of the things 597 00:36:37,920 --> 00:36:40,799 Speaker 1: I was thinking of after I had our meeting with 598 00:36:40,880 --> 00:36:45,520 Speaker 1: our insurance broker is she knew the people that would 599 00:36:45,600 --> 00:36:49,719 Speaker 1: inspect houses and she was talking like you, She's just 600 00:36:49,800 --> 00:36:52,480 Speaker 1: talking the truth. This is what's gonna happen. I'm not 601 00:36:52,560 --> 00:36:55,839 Speaker 1: here to bash insurance companies. They're making a bet. I'm 602 00:36:55,880 --> 00:36:59,799 Speaker 1: making a bet in a way. And so you got 603 00:36:59,840 --> 00:37:02,319 Speaker 1: to maintain your house. And we just had a couple 604 00:37:02,320 --> 00:37:08,279 Speaker 1: of calls today about frozen pipes, and so how's insurance 605 00:37:08,360 --> 00:37:11,239 Speaker 1: deal with that? If you have a frozen pipe, and yeah, 606 00:37:11,280 --> 00:37:13,040 Speaker 1: I know a lot of times you have a plumber 607 00:37:13,080 --> 00:37:15,760 Speaker 1: involved just thawing it, that's not going to be a claim. 608 00:37:15,800 --> 00:37:16,680 Speaker 1: What happens if it. 609 00:37:16,760 --> 00:37:22,960 Speaker 7: Burst, well, Number one, mitigate. So whatever it takes to 610 00:37:23,000 --> 00:37:25,600 Speaker 7: shut that water off so that it stops all the 611 00:37:27,000 --> 00:37:32,040 Speaker 7: collateral damage. Get that taken care of asap. That is 612 00:37:32,120 --> 00:37:35,200 Speaker 7: your job as a homeowner, and it is a requirement 613 00:37:35,400 --> 00:37:39,120 Speaker 7: by your insurance policy that you will do the best 614 00:37:39,160 --> 00:37:43,080 Speaker 7: you can to mitigate damage so it doesn't continue. That 615 00:37:43,360 --> 00:37:46,480 Speaker 7: includes some of the big claims like well, yeah, and 616 00:37:46,600 --> 00:37:48,680 Speaker 7: I called somebody right away and put a tarp over 617 00:37:48,760 --> 00:37:50,279 Speaker 7: my roof where the big hole is and the rain 618 00:37:50,440 --> 00:37:55,279 Speaker 7: was coming in perfect. Good job, good job. I like it. 619 00:37:55,320 --> 00:37:58,200 Speaker 7: I like it when people do that. So get it mitigated. 620 00:37:58,920 --> 00:38:01,560 Speaker 7: Is it exposed? Is it old pipe? Was it a 621 00:38:01,600 --> 00:38:07,200 Speaker 7: cast iron pipe? Was there unknown galvanized pipe? So it 622 00:38:07,280 --> 00:38:10,640 Speaker 7: depends a lot on that. So when it's frozen, some 623 00:38:10,800 --> 00:38:13,759 Speaker 7: of this bad weather, we can't control it. And then 624 00:38:13,880 --> 00:38:17,600 Speaker 7: you get into this is a scary part. You get 625 00:38:17,640 --> 00:38:21,520 Speaker 7: into an ice storm and electrics out. Then what well, 626 00:38:21,560 --> 00:38:23,640 Speaker 7: the first thing you do shut the water off at 627 00:38:23,640 --> 00:38:27,480 Speaker 7: the source, open every tap, flush the toilet, get every 628 00:38:27,560 --> 00:38:31,440 Speaker 7: drop of water out of your toilet. From experience, also, 629 00:38:31,719 --> 00:38:35,960 Speaker 7: the outgoing water is maybe even more important than the 630 00:38:36,040 --> 00:38:39,520 Speaker 7: incoming water, just because if you have in if you 631 00:38:39,560 --> 00:38:42,920 Speaker 7: have incoming water or no incut coming water, you can 632 00:38:42,960 --> 00:38:44,840 Speaker 7: melt snow and you can flush the toilet with a 633 00:38:44,840 --> 00:38:48,239 Speaker 7: melted bucket of snow. But if you can't flush, then 634 00:38:48,280 --> 00:38:52,919 Speaker 7: what do you do? So drain everything? Be smart about 635 00:38:52,960 --> 00:38:56,640 Speaker 7: what has to happen, right so that way, if there 636 00:38:56,680 --> 00:38:59,600 Speaker 7: is that also takes the pressure off. So if there's 637 00:38:59,719 --> 00:39:02,279 Speaker 7: if it's sunknown ice storm, electric out and it might 638 00:39:02,320 --> 00:39:04,920 Speaker 7: be a couple of days or even depending on the cold, 639 00:39:05,000 --> 00:39:08,200 Speaker 7: twelve hours, get the water of the pipes. There's no 640 00:39:08,280 --> 00:39:10,719 Speaker 7: water in the pipes, there's no expansion. You're not going 641 00:39:10,760 --> 00:39:11,440 Speaker 7: to break the pipes. 642 00:39:11,520 --> 00:39:12,480 Speaker 1: Right. 643 00:39:12,680 --> 00:39:15,759 Speaker 7: So let's say you didn't know, there's something happened, and 644 00:39:15,800 --> 00:39:19,239 Speaker 7: I and again something happened. That is a sudden occurrence, 645 00:39:19,680 --> 00:39:22,279 Speaker 7: and that's when you turn in the claim. Now how 646 00:39:22,320 --> 00:39:24,480 Speaker 7: it's paid. I'm not a claim sudjuster. I just know 647 00:39:24,640 --> 00:39:28,600 Speaker 7: that you can't call it in. There's usually coverage for 648 00:39:28,880 --> 00:39:31,480 Speaker 7: that type of thing because it is a sudden occurrence. 649 00:39:31,480 --> 00:39:35,000 Speaker 7: It's not something you planned. If they come out and 650 00:39:35,160 --> 00:39:38,600 Speaker 7: they notice that all of your pipes, all your incoming 651 00:39:38,640 --> 00:39:43,480 Speaker 7: water pipes are exposed to the outside air well, now 652 00:39:43,560 --> 00:39:46,920 Speaker 7: that's an issue modern home, so they don't have that issue. 653 00:39:47,160 --> 00:39:51,080 Speaker 7: It's usually something has happened and that same type of 654 00:39:51,080 --> 00:39:54,320 Speaker 7: thing goes into along your furnace. You have condensation pipes 655 00:39:54,360 --> 00:39:57,560 Speaker 7: and same with your water. Here. All that stuff there 656 00:39:57,719 --> 00:40:02,719 Speaker 7: is condensate and there's an outflow of it that can freeze. Also, 657 00:40:02,840 --> 00:40:05,520 Speaker 7: if you're not paying attention to it, you can have 658 00:40:05,600 --> 00:40:09,800 Speaker 7: hidden water damage and with it comes mold and mildew issues. 659 00:40:10,239 --> 00:40:14,480 Speaker 7: Check your carrier. Certain carriers allow coverage. You purchase it, 660 00:40:14,840 --> 00:40:18,520 Speaker 7: but it's for hidden water damage and it is for 661 00:40:18,719 --> 00:40:23,280 Speaker 7: limited mold and mildew settlement settlements. Most mold and mildew 662 00:40:23,360 --> 00:40:25,840 Speaker 7: that people put into. Oh my attic is full of 663 00:40:25,880 --> 00:40:27,800 Speaker 7: mold and we're all going to die because it's black. 664 00:40:28,160 --> 00:40:30,439 Speaker 7: Well maybe it's pink. That you know what we're talking 665 00:40:30,480 --> 00:40:33,040 Speaker 7: about because you advertise on the or you talk about 666 00:40:33,080 --> 00:40:35,520 Speaker 7: this all the time, and that five minute mold test kit. 667 00:40:35,800 --> 00:40:37,080 Speaker 7: You got to know what kind of mold of it. 668 00:40:37,280 --> 00:40:41,280 Speaker 7: There's mold everywhere we eat mold. We're eating mushrooms, right, 669 00:40:41,360 --> 00:40:45,239 Speaker 7: so find out what it is that kind. Because you 670 00:40:45,600 --> 00:40:49,480 Speaker 7: overinsulated your attic, the vent pipe was leaking and the 671 00:40:49,520 --> 00:40:52,160 Speaker 7: water trickle in. There's a leak in your roof that 672 00:40:52,239 --> 00:40:55,440 Speaker 7: you didn't know about. That's not going to be covered 673 00:40:55,760 --> 00:40:59,440 Speaker 7: because that is something that was preventable if you'd have 674 00:40:59,480 --> 00:41:03,960 Speaker 7: done your maintenance. Let's go back the same situation. A 675 00:41:04,000 --> 00:41:06,839 Speaker 7: tree branch crashed on your roof. You thought you had 676 00:41:06,880 --> 00:41:10,200 Speaker 7: it covered, then the electricity went out and it rained again, 677 00:41:10,640 --> 00:41:14,279 Speaker 7: and now you have mold growing that came from the 678 00:41:14,360 --> 00:41:17,239 Speaker 7: specific incident, and there can be I'm not going to 679 00:41:17,280 --> 00:41:20,439 Speaker 7: guarantee it again, I'm not a claims adjuster. There can 680 00:41:20,560 --> 00:41:24,080 Speaker 7: be coverage for that because it came from something else. 681 00:41:24,280 --> 00:41:26,600 Speaker 1: Sure, you know, Beth, one of the things I mentioned 682 00:41:26,719 --> 00:41:31,239 Speaker 1: was ice dams, and in a way, ice stams are 683 00:41:31,400 --> 00:41:36,200 Speaker 1: preventable a lot of times just caused by lack of insulation. 684 00:41:37,000 --> 00:41:40,040 Speaker 1: And I know there's codes in there to put ice 685 00:41:40,080 --> 00:41:43,400 Speaker 1: guards underneath shingles, but some of the older roofs and 686 00:41:43,480 --> 00:41:47,440 Speaker 1: older housing maybe doesn't have that, and you're under insulat 687 00:41:47,520 --> 00:41:49,120 Speaker 1: and you have an ice dam and then you got 688 00:41:49,160 --> 00:41:51,680 Speaker 1: a leak. Is that an incident or is that maintenance? 689 00:41:54,000 --> 00:41:56,440 Speaker 7: I cannot say yes or no. I'm not a claims adjuster. 690 00:41:56,600 --> 00:41:58,560 Speaker 7: What I will say is, if you've been with your 691 00:41:58,680 --> 00:42:02,359 Speaker 7: carrier for quite some time, it's entirely possible that that 692 00:42:02,440 --> 00:42:06,520 Speaker 7: will be covered if you recently changed carriers, because what 693 00:42:06,640 --> 00:42:09,720 Speaker 7: happens this is so let's talk about being a broker 694 00:42:09,840 --> 00:42:12,759 Speaker 7: real quick here. So when you're with a carrier for 695 00:42:12,800 --> 00:42:17,040 Speaker 7: so long, you've been more or less grandfathered in if 696 00:42:17,080 --> 00:42:20,440 Speaker 7: they made any changes you will get in your policy. 697 00:42:20,480 --> 00:42:23,040 Speaker 7: When it's mailed to you at your renewal time, there'll 698 00:42:23,080 --> 00:42:26,600 Speaker 7: be big bold letter saying please read carefully, these are 699 00:42:26,600 --> 00:42:31,120 Speaker 7: the following changes. That's on you. It told you to 700 00:42:31,239 --> 00:42:34,799 Speaker 7: read this because there's changes to your policy now. A 701 00:42:34,840 --> 00:42:37,319 Speaker 7: lot of times because you were with them, it's not 702 00:42:37,400 --> 00:42:41,520 Speaker 7: going to apply because they changed, say a quoting platform 703 00:42:41,600 --> 00:42:45,040 Speaker 7: that takes into consideration different risks. If I were to 704 00:42:45,120 --> 00:42:48,080 Speaker 7: move you, you've been with one carrier for fifteen years. 705 00:42:48,400 --> 00:42:51,200 Speaker 7: I move you for a better premium to another carrier, 706 00:42:51,640 --> 00:42:54,399 Speaker 7: you are going to be subject to the brand new 707 00:42:54,600 --> 00:43:00,720 Speaker 7: risk categories writing underlying underwriting guidelines, and so you could 708 00:43:00,800 --> 00:43:06,399 Speaker 7: actually be hurting yourself by moving. Remember, your premium isn't 709 00:43:06,400 --> 00:43:09,560 Speaker 7: about how low you can go, It's about how much 710 00:43:09,640 --> 00:43:12,959 Speaker 7: will I get paid to put my home back together again. 711 00:43:13,000 --> 00:43:13,480 Speaker 7: If there's a. 712 00:43:13,520 --> 00:43:16,760 Speaker 1: Claim, Which comes back to the thing is you're broker 713 00:43:17,280 --> 00:43:21,680 Speaker 1: is your advocate. You have to have a great relationship 714 00:43:21,719 --> 00:43:24,800 Speaker 1: with your breaker broker that when you make that change, 715 00:43:25,360 --> 00:43:28,160 Speaker 1: she's already on your side. And she's going to see 716 00:43:28,160 --> 00:43:31,239 Speaker 1: what she can do. Beth. As always, we ran out 717 00:43:31,239 --> 00:43:36,040 Speaker 1: of time. I certainly appreciate your time. I promise we'll 718 00:43:36,040 --> 00:43:38,400 Speaker 1: get you back and what we may do sometime and 719 00:43:38,480 --> 00:43:41,040 Speaker 1: the dead of winner is get you on for an 720 00:43:41,040 --> 00:43:42,680 Speaker 1: hour and actually take calls. 721 00:43:43,440 --> 00:43:45,560 Speaker 2: So Garry, I would love that. 722 00:43:46,239 --> 00:43:47,640 Speaker 1: Sit tight and we'll try that. 723 00:43:47,680 --> 00:43:49,960 Speaker 7: Take care all right you Carrie. 724 00:43:50,320 --> 00:43:53,600 Speaker 1: Have a merry Christmas to you two. Beth. Thanks all right. 725 00:43:54,239 --> 00:43:55,799 Speaker 9: Let me give you the phone number you can join 726 00:43:55,880 --> 00:43:58,799 Speaker 9: us like to chat with you if you're keeping up 727 00:43:58,840 --> 00:44:02,279 Speaker 9: on the maintenance on your home. It's eight hundred eight 728 00:44:02,320 --> 00:44:04,640 Speaker 9: two three eight two five five. 729 00:44:05,280 --> 00:44:06,720 Speaker 1: You're at home with Garry Sullivan. 730 00:44:22,120 --> 00:44:25,480 Speaker 6: Home Improvement one oh one with Gary Sullivan every weekend. 731 00:44:25,640 --> 00:44:28,719 Speaker 6: Classes begin at one eight hundred eight two three tah 732 00:44:28,920 --> 00:44:31,240 Speaker 6: You're at home with Gary Sullivan.