Podcast appearances and mentions of andy mike

192. Andy takes a step back into the 80's with a look at the Divinyls, what a time to be alive! Bob and I have a look at the news including the interim report on the level crossing disaster on the Barrier Highway last December and them old mate Trv Warner from the drivers advocate page on Facebook joins me on the phone for a chat.

190. Andy with a non country music bit!!! I know I was as shocked as anyone! Bob and I have a look at som of the issues making the news.

Welcome to another captivating episode of "The Investors Corner," where your hosts Ian, Mike, and Andy guide you through the latest and most compelling trends in the investment world. Whether you're a seasoned investor or taking your first steps in the property market, this episode is filled with essential insights. What We Discuss: Fractional Investing – The New Buy-to-Let? Ian, Mike, and Andy explore the burgeoning world of fractional investing. Is this innovative approach set to become the new standard in property investment? Listen in as they compare it with the traditional buy-to-let model. 55% of Tenants Want Utilities Included in Rent The team discusses a notable shift in tenant preferences: a majority now prefer utilities included in their rent. Why is this, and what does it say about tenants' financial management and stress levels? The hosts dive deep into the implications. HMRC's Publication of Landlord Income Figures Contrasting with the often pessimistic views, recent HMRC figures tell a different story about landlord incomes. Ian, Mike, and Andy analyse these statistics and what they signal for landlords amidst current economic challenges. Bitcoin – Potential Bull Run in January? With the ever-unpredictable nature of cryptocurrencies, the hosts speculate on Bitcoin's trajectory. Could January see a bull run? They share their insights on what investors should look out for in this volatile market. Join us for this in-depth discussion filled with critical insights for property investors and enthusiasts. Whether you're seasoned in the property market or just starting out, this episode is packed with valuable knowledge you won't want to miss. Subscribe to Investors Corner for your weekly dose of expert property investment insights and strategies. Stay ahead in the ever-evolving UK property market. Your hosts are Andy & Mike.  Links for social media:  Facebook – https://www.facebook.com/AvocadoPropertyAgents Website –  https://avocadopropertyagents.co.uk/landlords LinkedIn - https://www.linkedin.com/company/avocado-property/

Welcome to another episode of The Investors Corner, where hosts Andy Brown and Mike Robson, alongside special guest Ollie Hawkins, explore the latest shifts in the UK property sector. This week, we're exploring pivotal topics that are shaping the landscape for property investors and homeowners. In This Episode: Impact of the New Housing Minister on the Renters Reform Bill: Dive into how the appointment of the new Housing Minister could reshape the Renters Reform Bill. What are the potential ramifications for landlords and tenants across the UK? Gain insights into how these political changes could influence the property market. Decreasing Inflation Rates: A Positive Sign for Property & Mortgages? With a welcome downturn in inflation rates, we analyse the prospective effects on the property market and mortgage affordability. Understand the implications for your investment strategies and property purchases in the current economic climate. Leveraging Rightmove for Property Investment Success: Learn expert tactics for using Rightmove to unearth exceptional investment opportunities. Discover how to efficiently sift through listings to find undervalued properties that could yield high returns. The Rising Trend of Social Housing Investment: Unpack why social housing is gaining momentum among property investors on social media. Is it the new frontier for savvy investing? We explore the potential benefits and risks of this emerging trend. Rishi Sunak's Cabinet Reshuffle: Implications for Property Investors: In light of Rishi Sunak's recent cabinet reshuffle, we debate its potential impact on the UK property market. Is this a sign of positive change or a continuation of the status quo? Hear our experts' perspectives. Meet our Guest, Ollie Hawkins.  Ollie Hawkins, an experienced property professional with over 18 years in property sales and lettings, is the founder of a dynamic business transforming property transactions in Tadley and Thatcham. With a keen focus on a client-centric approach, Ollie rejects traditional sales targets and profit-driven models, prioritising investor value. Ollie's business philosophy centres on integrity and a client-focused work ethic, making it an attractive prospect for investors seeking a modern and personalised approach to property. Join us for this in-depth discussion filled with critical insights for property investors and enthusiasts. Whether you're seasoned in the property market or just starting out, this episode is packed with valuable knowledge you won't want to miss. Subscribe to Investors Corner for your weekly dose of expert property investment insights and strategies. Stay ahead in the ever-evolving UK property market. Your hosts are Andy & Mike.  Links for social media:  Facebook – https://www.facebook.com/AvocadoPropertyAgents Website –  https://avocadopropertyagents.co.uk/landlords LinkedIn - https://www.linkedin.com/company/avocado-property/

In today's episode, Andy & DJ are joined in the studio by entrepreneur and former Special Forces SGM Mike Glover. They discuss a white Starbucks manager winning $25M over a racial bias complaint, the White House banning a transgender activist for being topless in front of the White House, and CNN & MSNBC refusing to air a 'potentially dangerous' Trump speech.

In today's episode, Andy & DJ are joined in the studio by Attorney-at-law Mike Yoder. They discuss Arizona Governor signing an executive order banning discrimination based on an individuals hairstyle, the House panel grilling TikTok CEO for 5 hours about the app's ties to China, and Trump issuing another threat to Alvin Bragg to drop the Stormy Daniels case as the grand jury gets canceled for the rest of the week.

In today's episode, Andy & DJ are joined in the studio by Attorney-at-law Mike Yoder. They discuss Arizona Governor signing an executive order banning discrimination based on an individuals hairstyle, the House panel grilling TikTok CEO for 5 hours about the app's ties to China, and Trump issuing another threat to Alvin Bragg to drop the Stormy Daniels case as the grand jury gets canceled for the rest of the week.

In this episode Crawlspace Media's Tim Pilleri and Lance Reenstierna host a live fundraiser for Private Investigations For the Missing. Joining us in this episode is Bruce Maitland (founder) along with Erin Desrochers, private investigators Lou Barry and Andy Weyland, missing man Mike Montijo's sister Belinda, and PIFTM researchers Kathleen and Erica. For more information please go to https://investigationsforthemissing.org/ and follow the PIFTM social media pages for info on the fundraiser. To donate: https://www.paypal.com/donate/?hosted_button_id=9KGUYKASMQ4YE Andy Weyland's Lakefront Investigations: https://www.lakefrontinvestigative.com/ This episode is brought to you in part by our wonderful sponsors, ButcherBox & Modern Fertility. Check out https://www.crescentcanna.com/ and get 30% OFF with our special discount code: MISSING. Go to https://www.framebridge.com/ and use promo code MISSING to save an additional 15% off your first order. Get $120 off your first three boxes at https://splendidspoon.com/MISSING. Sign up today at butcherbox.com/MISSING and use code MISSING to get 10% off your first box and ground beef for the life of your membership. Go to https://smile.amazon.com/ to connect your existing Amazon account to donate to PI's For the Missing. Follow Private Investigations For the Missing https://investigationsforthemissing.org/ http://piftm.org/donate https://twitter.com/PIFortheMissing https://www.facebook.com/PIFortheMissing/ https://www.instagram.com/investigationsforthemissing/ Main Theme by Kevin Macleod. Check out his work at https://incompetech.com/. Additional music by David Williams. See his work at http://williamsflutes.com. Follow Missing: TikTok: https://www.tiktok.com/@missingcsm Twitter: https://twitter.com/MissingCSM FB: https://www.facebook.com/MissingCSM IG: https://www.instagram.com/MissingCSM/ YT: https://www.youtube.com/missingcsm Check out the new Crawlspace Discussion Facebook group: https://www.facebook.com/groups/talkcrawlspace/ Check out our entire network at http://crawlspace-media.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we welcome Public Adjustor, Andy Gurczak to speak about the role of PAs, and how you can make the most out of the undesirable experience of haggling with your insurance provider -- ensuring the highest possible settlement under the terms and conditions of the policy.  Andy Gurczak started in construction as a laborer and got his in as a public adjustor through a contractor he worked for.  Quickly climbing the ladder, he helped grow the business by attaining new clients and further building relationships with existing clients. Andy started his own company, AllCity Adjusting, where he and his team process over 1000 claims per year. Andy's Contact Info: https://www.allcityadjusting.com/ c: 708 655 4186 --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of The Remote Real Estate Investor. I'm Michael Albaum and today with me I have Andy Gurczak with All City Public Adjusting. And he's gonna be talking to us today about what a public adjuster is, and why anyone who owns property should consider using one if they have an insurance claim. So let's get into it.   Andy, what's going on, man, thanks so much for taking the time to hang out with me today. I really appreciate you coming on.   Andy: Mike, thank you so much for having me on. It's a pleasure. It's always it's fun to do these. So I'm excited.   Michael: No no. It's truly my pleasure. You're the first like we've done I think this is episode 300 and change and you're the first public adjuster we've had on so anyone who knows me knows that I'm a total insurance nerd and insurance buff so but for anyone who's not familiar, like what is a public adjuster and kind of give us a quick and dirty of what you're doing in real estate.   Andy: First of all, Bravo on 300 episodes. Plus, that's awesome. So thanks for you guys. And I'm lucky PA so this is pretty cool. Yeah, so public adjuster is is licensed by the state, he's legally able to represent the insured in their claim process, negotiate and settle the loss for them. Whether it's commercial or residential. It's basically like having an attorney on your side or an accountant doing your books. It's the same exact thing. They're licensed by the state that they work in as well.   Michael: Okay, okay. And I mean, it just seems like kind of counterintuitive. I go and pay an insurance company every single month, every single year to give me insurance. Then when I have a claim, an insurance claim, I go to the insurance company said, Hey, insurance company, here's this claim, pay me for the claim what I'm owed. So why do I need a public adjuster? Like why does your job even exist?   Andy: Yeah, that's a that's a great question. The reason our job exists is because insurance companies don't pay claims and don't pay them fairly. We've talked about this before the show, Mike, you work the insurance side. So you know, that claims, actually two people that work in our office work the insurance side, and they've got they seen how bad a guy and came to our side. Because claims are handled, I mean, horribly every year, it gets worse and worse. And our we just had a meeting with a couple of attorneys just discussing what's going on and what we could do in some situations, because it's getting so bad, that, you know, insurance companies aren't responding for a month or two months, or just I mean, so having a PA on your site, even though it's your claim, and you think you have to remember that insurance adjuster, that staff adjuster and every one that they send out every vendor contractor they sent out, they all get paid by the insurance company. So they're all working for this one entity. And then you're by yourself. And you're thinking, well, they're on my side, no doubt on your side. It's all about profits, margins, all that good stuff. So…   Michael: Yeah, I know it's so the word of news is sick. When you find out kind of what's going on under the hood. It's really what should be a partner relationship. Like you mentioned, everyone on the same team working for the same goal can be come very contentious very quickly. So you said it's like having an attorney or like having a bookkeeper on your side? I mean, it sounds expensive. How much do public adjusters charge? Like, how does that work?   Andy: Easy. Yep, Pa is most of the time charge a contingency fee. So there's no retainer is nothing, it's all contingency on what they recover. And you know what the claim settles for. And standard is 10%. Like our company has adopted just a 10%, nationwide, whatever claim we're handling, whatever the size is now, some situations where we come in, let's just say months after a year after the claim has been paid, and we're just trying to figure out maybe another coverage or paid additional than it might be a higher fee of maybe 20-25 on the money that we recover above that amount that would the only difference,   Michael: Okay, and so just so we get it crystal clear for all of our listeners, because I just went through this on a claim to fire claims I had on a property. If the insurance company comes into my claim, and says, Hey, Michael, we're gonna give you $100,000 For your claim, and I'm like, There's no way it's gotta be worth way more than that. You will come in or a public adjuster comes in, you end up getting me a million dollars, you're gonna take 10% of that additional 900k That you got me above and beyond what I was originally awarded.   Andy: Yeah, exactly. And something in your situation. So when we have claims, and we have large investors and management companies, we have a pay scale that actually the percentage goes down once it reaches a certain amount. So reaches, you know, half a million that 10% may become nine, right for every client, we kind of work with them, just because we kind of know their position. And again, we want to create a relationship that is long term, because then we're getting called when before the claim even starts right because we want to be there. You know, another question is when do you want to hire PA for the day you have a claim, because you want to make sure if that claim is a legit claim, if you should even file that claim, whatever your deductible is, is that even a covered loss?   A PA will, you know, we do this for our clients all the time we do their policies with their claims without making any money or charging any fee. It just part of our relationship with our clients.   Michael: Okay, I'm so glad you brought that up, Andy, because I get this question all the time. Because so many people don't like, insurance, education is not something that's really provided out there. And I'm wondering if that maybe is on purpose by the insurance companies, but like, how should people if they have something happened to their property? And statistically, if you own a property or enough properties long enough, you will probably have a claim?   So what's the process? Like if you could articulate and paint us a picture of as a property owner, whether it's our own property or an investment property? What should that process look like? What should what should owners be doing? Who should they be talking to?   Andy: Yeah, if you don't have a PA, and you're kind of going to try to do this on your own, you want to first stop whatever loss happens, you want to mitigate the loss, right, you want to get first you want to you want to get your copy of your policy to you want to see if your agent because you most likely don't have a copy, because no one knows that they don't have a copy until they have a loss to be like, Oh, I have this page, I'm gonna get your declaration, you need your policy, your booklet, you know, no one gets that usually, until something happens. And then it's hard to get it from the insurance company, it's like, they don't want to give you your own policy, very normal. Then you want to mitigate the loss. So if it's a fire, you want to board it up, protect it, make sure no one can get in there. Or if it's a roof, you want to cover the roof, if it's a roof claim, and then you want to go and take pictures and document as much as you can, and then call the claimant.   And when you call on the claimant and you're trying to set the reserves high enough. So then when they come in, and let's just say you have $100,000 loss, but when you told them the claim, you might have said, well, it's a small fire in the kitchen, small smoke, they might have reset the set the reserves at 25,000. And now the claim is actually 100. So now when we're trying to fight it, we're going to five managers like what's the example at State Farm, for example, once it goes past the reserves, you're going through letters like five managers to approve one payment are one extra additional line item, it's it gets really crazy.   So the most important is mitigating, mitigating the loss, getting your policy, reserving the claim calling the claimant, right? And if you don't know the answer, when you're discussing that claim, when you're calling it in, just say I don't know, because a lot of people get into trouble by trying to say too much to be too honest. And it's not about being honest or not, or, or lying. But people say the wrong words, they might use the word like mold, I see mold. Oh, well, molds not covered. Here's a denial letter. Well, the water, you know, the water happened three days ago, we have there's mold, because you know it's wet, it's humid mold molds catch up, but there's still water damage that's covered.   So different words they use. So you gotta be careful with words you so you want to do your due diligence, or even call your agent to call that claimant for you. If you need help.   Michael: Let's talk about that for a minute. Because in the agent world, you have captive and non captive agents. And so just like you were saying all the vendors are paid by the insurance company. I mean, in a lot of instances, aren't these agents paid by the insurance companies as well?   Andy: 100%. And I have friends that are agents and I know people are agents, and agents have a bonus if their clients don't file claims. So there is a bonus, there's a perk of them if their clients don't have claims or the correct. So everyone's got a benefit if the claim is not filed, and if it's underpaid, everyone gets points on that.   Michael: So can we surmise that if you have a claim, you should just call a public adjuster immediately?   Andy: 100%. Because it's a free review, what's the worst is going to happen? He's going to come in there and say don't file it. You don't have to sign with that PA but at least get that expertise. Now you want to make sure you find the right one. But if you do you have them looked at it and in depth look at the claim inspect the roof, inspect the fire damage inspector water damage and let you know everything you should do.   Michael: Yeah, I am. I had my first big claim to have them back to back couple years ago, I had two fires in a commercial building back to back a week apart, which I used to work as a professional fire protection engineer. And it's like statistically impossible to have that happen. I'm the one exception, right? So I went through the claim process I had the insurance company come out do their inspections like oh, it's small fire just like you said, you know teeny tiny claim payout. And I'm like dude, that doesn't even cover the materials that were sitting on the roof when I had the roof fire. So I brought in a public adjuster and they know about 15Xed that claim. So I can't sing their praises enough. When someone is searching for a public adjuster and you just mentioned this, you want to find the right one, like what does that process look like? What questions should you be asking?   Andy: I've never been on the other side. When I look and talk to our clients how they found us obviously they were looking online Googling and stuff and they were doing a search engine and kind of we came up online we do a lot of blogs and stuff. So we'll come up there with a lot of tips and stuff for people so they'll find our name. Otherwise, so if you're not looking online, you know, you can check websites like patio, which is Texas associations of public insurance adjusters, California has their own, some states have their own. There's the NAPIA National Association of Public Insurance. So there's different associations that you could go on, and find adjusters pas that have been screened and have backgrounds and pay their dues, because they're part of an organization. So that would be your, you know, your best bet. Referrals. Again, if I, if I knew you, I would say, Hey, Mike, you had a couple of fires, you know, did you hire who's a PA, you have someone to recommend. That's, that's your best bet. Someone that they worked for referral.   Michael: That that has had the actual experience with them? Yep. Okay. Are there certain questions that someone should be asking? I mean, what separates the different pas that are out there? Because I'm sure if I google that would get tons of different results. Is one better than the other? Like, is it just based on the fee structure? What should people be be considering? If they're going to hire someone?   Andy: That's an awesome question. So a lot of what you should be asking, and when you go online and look for PAs, a lot of them say, you know, fire water, they do all these things. But 90% of PAs handle just roofing claims, usually residential, some commercial. So it's, you have to make sure that hey, how do you handle fires? And how many fires have you handled? Or what do you specialize in? You might say, Well, we do a lot of roofs. That's not the PA, if you had a fire, you don't want the guy that's handling roofing claims. Right? For us, we do large loss, fires, water, hurricanes, we don't if someone calls for a residential roof. We don't we don't do residential roofs, we would love to, but we don't we don't specialize it. There's other PAs that do a great job, here's a couple of names you can call or, you know, Google and and find the problem just and it's in that it's just a committed, you know, attorney, some attorneys do, you know, personal injury, some do properties. Same thing with PA some PAs are better at some coverage than others.   Micael: Yeah, that makes total sense. Andy, let me ask you a question. Because it happened to me. And I'm curious now with the hindsight, what the proper move is, so I had this fire, and it was on the roof. And it was during a reroof. So they had all the materials up there. So all the materials burned up. And my public adjuster said, Don't touch anything on the roof. He said, We got to come out, we got to photograph everything we need to take care of, you know, we need to document everything. And meanwhile, it's really windy. There's debris blowing onto the neighbor's property into their, into their, into their courtyard and their fence. And so the neighbors called me complaining threatening to sue, they got crap blown everywhere. And I'm like, I can't it's like an active insurance investigation.   So you were talking about you want to mitigate the loss stop the loss from getting any worse. But are there instances where physically mitigating the loss than is like evidence tampering is the wrong word, but you understand how it's changing the scene.   Andy: Double edged sword? Yes, a double edged sword. We walk into properties all the time. And you know, or let's say we go into a hurricane area, or right now in Florida, and we see people outside with all their contents, right? Like all their house stuff, just in a pile. And I'm like, did you guys order material? Everything's gutted? I'm like, did you guys inventory take pictures? Well, no, but the insurance company said to just throw everything up. That's the worst idea ever. That's what they want. You just get rid of all your evidence. So that's a double edged sword. So when I say mitigate, you're supposed to mitigate the loss because they can technically your duties after last say you will mitigate. So if you don't, they can deny it. But what's mitigate right? If I had a pipe burst from the third story water comes as floods my whole house right? The insurance company is going to want to send a vendor out to pull some drywall or spray everything or dry everything and leave it. That's the goal. That's mitigation. But mitigation is you turning off the water. That's already mitigation, because it doesn't specify what technically mitigation is. It just says mitigate. So by me turning off the water, I have mitigated the loss. And I will tell my insurer just leave it because it's already all damaged. Whether you dry it or not, that's just gonna go against your thing. It's already damaged. It can't be its category three water. So it's got to be all replaced. Instead of paying a vendor all this money, this has got to be gutted, all that money should just go to you instead of that vendor.   So yeah, there is instances. So in yours, just because we have insurance, karma saying any Can we start rebuilding? Well, now because we're still fighting with the insurance company, and we're still negotiating, and if you start the repairs, then you you can date that's what they want. They want to keep holding, holding until you actually accept it and start the repairs.   Now, if they don't start the repairs, then they'll go well, why didn't the insured start the repairs? Right? So it's, we're trying to keep our clients in the best situation to make sure it's the best possible outcome. But it's hard sometimes, especially with landlords when they have tenants, right? Hey, my tenant is going to sue me or my tenants gonna go this if I don't do the repairs. Then do the repairs, I guess. And this is the settlement we're getting. So an insurance company knows this. So, in your situation. That's a tough call. What do you say like either the PA say, Hey, we got to do it this way. And he was doing it the right way. Because if you did mitigate or clean up that thing? And they come in? They're like, ah. Even if you document it, I'm telling you, it's like they don't even look at your photos. They don't care. Yeah, so they did the right thing.   Michael: Okay, good. Well, that's good to hear. I'm gonna go, I'm gonna go send them another thank you text after this episode. Yeah. Andy, can you give us like, maybe two scenarios to stories that you've experienced one where things went perfectly well, or as good as they could have gone and what you you're insured what your clients did to get there. And then maybe a scenario at the opposite end of the spectrum where things just like, just like, give us like the worst thing you've ever seen happen? Just so we have a little bit of context that…   Andy: Part of like claim handling or like? Okay, so I'll tell you, we were just like I said, we had the attorney, we were kind of going over claims and we have one, and I won't say the insurance company. This is in Gary, Indiana. This this poor lady that waged her claim has been handled, and it's by an adjuster that we've seen handle bad claims for other people in that area. Whether it's color, race, area, I don't know. But the way this this claim has been handled this lady the under oath and everything she's been through, like we thought we had it all over, they finally after six months, say okay, well pay the claim. And here's the money, we got to argue with them. They started at 30,000. It's $160,000 claim. But then we have contents another 160 that we sent wants to go and now we're asking what's going on with the content. So they come back well, well, which which was the insurance and which was her daughter's. Why does it matter? If you had a fire Mike, and you have your kids and your wife stuff in the house? That's all personal property? They're not on the pile? Are your kids on the policy now? Yeah, no kids are on the policy, but their stuff is covered. Right? So why are they're asking her so now they want to examine her again and her mom. So this is going to drag on for 10 months. So this and this claim is ongoing. So to us that to me, it's like, well, now I'm powerless as a PA. But what can I do?   So the only way is the attorney can help. But again, she's still going to have to do that examination. But it just shows how long they'll drag it and try to find ways of however, to underpay or just deny that claim. So that's bad. Yeah. And we have a bunch of those. So those hurt a lot of them, we win, this one again, we got the structure paid and figured out. Now we thought the contents was going to be a slam dunk, easy. Here's everything, even your vendor said, you can't clean this stuff. Great. Here's the list. Here's the pricing age of items. And now they come back with this. So, another tactic to delay the claim.   On a good note, we had one, it was a it was from another podcast, one of the investors students called us, he got the number to us and he called us he had a 16 unit in Champaign, Illinois, burned down here to ACV policy, you are familiar with actual cash value. Your listeners might not but meaning he would not recover depreciation, he would not get that amount even if he rebuilt. So he was just getting what's what it's worth now. So that building, he had a fit 550 limit that just came in, he wrote like 560. And they depreciated and cut him a check for maybe 300,000, something like that. So when we got hired, we sent our letter representation, and the adjuster called and said, Hey, Andy, you know, I paid this, I paid this to Max, I don't know why he hired you. I'm like, Well, you didn't pay loss of rents. And also you haven't paid demolition expense, and you only paid 300 when it's a 550 policy, you stopped writing, because our estimate is like 900,000. With no like edit, like this is just it.   So then we reconcile and the insured ended up getting 100%. So 550 plus 5%, debris removal, some other endorsements, plus he maxed out everything. So he ended up walking away with another 400, like 300K. So again, when an adjuster says, you know, we don't need you. And that's it again, there's many claims like that, those are the positives, it's the ones that drag on, and that you like, you know, you're close, but they're still like delaying, delaying, delaying. And it's like they want the insurance to just finally say, Okay, well, I'm done.   Michael: I'll just throw in the towel.   Andy: Yeah, it sucks. And, you know, there is statutes in each state, which they have to follow, but it's never followed, because no one ever calls them out on it. Because unless you actually go to court or litigation, that's when they show okay, we didn't do this. They didn't do this. But other than that, they don't really know. They kind of do their own thing.   Michael: Yeah, because they're so big. And you bring up you bring up a really good point ACV versus replacement costs for anyone that's not familiar with the to give us from from like the PA side of things. What is the benefit of one versus the other? Because I'm sure your clients have seen like the reason your client probably had the ACV was because the replacement costs value on that 70 unit 50 unit was just probably astronomical. So it's often a cheaper policy to get like what's the downsides of going with one versus the other and what risks do people run by choosing one versus the other?   Andy: So the riskier is with the actual cash value policy and most most policies are RCV based. And then they have the actual cash value endorsement that says we only pay actual cash value, what happens is why you would do that policy where some people might get that policy and our insured wasn't even aware of it. But the agent sold it to him didn't explain to him the differences. He didn't know that he had that extra cash value policy. So you know, that's another story. He went on his own. But, so what happens is you, it saves you a lot on your premium, especially if you're investing you're trying to make margins and you know, it could save you on a property like that 2-3-4K a year, right? Well, it's great until you actually have a loss, when you have a loss. You know, it's especially on older buildings, it's cutting your payment by half. And you can't recover that money because it's actual cash value. So the replacement cost of you know, your home today is 300,000, but the actual cash value after depreciation, your actual cash value is 150. Well, you're only getting that 150. Even if we got the settlement of 300. With insurance, your policy will only allow for the actual cash value of 150, which will leave you with only half the money to rebuild.   So you're always as an as an insured, you should always have a replacement cost policy. And now they have you know, different like guaranteed replacement costs and all this other openly, openly insurance actually has it. They don't even have its guaranteed replacement, because they don't even have a limit. I think it's up to one like there's no limit on structure a   Michael: Holy smokes.   Andy: So there's some new carriers that are really, really, really good, actually.   Michael: Okay. And that brings me to my next point. And I'm so glad you brought it up. Like Should folks be involved in public adjusters in their insurance carrier decisions as they're looking to go place insurance on properties?   Andy: I would hope so. Because all we do is read policies every day. All I do is read policies interpret policy. So I know when I'm looking at a policy, I'm like, Well, you have a good policy, but you don't have you have a finished basement, you don't have any water backup, you your roof is actual cash value only. Oh, I didn't know that. I didn't know there's a lot of stuff you you should be aware. So yeah, our longer term clients will actually inspect their properties, look at their policies to make sure they don't have any exposed liabilities. Right. Now, it's not our job. It's the agents job. But most of the agents now are just, you know, selling policies instead of actually doing their due diligence and ensuring the claim the right way, they insured.   Michael: Yeah, I just want to echo exactly what you said, for all of our listeners, like now the public adjuster that I worked with on this on these fire claims, I sent him every policy and every quote that I get for properties, and he told me he's like, happy to do it. He's like, Yeah, this is a great carrier. But this is the other thing. And also, he can tell me like, Hey, I've run up against this insurance carrier, we see them all the time, like they don't pay claims, we're going to be working together a lot more if you have a claim if you go with this company, which is super great insight to have.   Andy: That's, that's awesome. And that's the same thing. I would say, I would say this carrier, we have a lot we have, you know, this many claims every year. And you know, maybe it's a lesser policy, and that takes longer, but they'll pay the claims, right? These guys just don't pay or they didn't know, I have a list of insurance companies that I know that are easier to deal with. Now, it's your claim guarantee you're gonna be paid when you file a claim with them. No, it still might be a hard process. But they're much easier than these eight other carriers that they're that are out there.   Michael: Yeah. This has been so great. Andy, my last question for you, man. How many claims do you handle a year just out of curiosity? So I can we give people an idea of…   Andy: Yeah, we do over 1000 claims a year?   Michael: Well, but how many how many public adjusters in your office?   Andy: Oh, right now we have four. Right now we have four and we're just we just keep growing. We do a good job marketing and, and building our social media presence. And yeah, it's, it's, it's good. And I mean, I guess it's bad for the insurance. Maybe these claims are handled. But yes, tactically, we, our business grows and we get more calls.   Michael: That's awesome. And I want you to share with everyone your contact information where people can get a hold of you and like what kind of I know you said you don't do residential roofs, but what kind of claims should people consider reaching out to you for?   Andy: Any fire, you know, water claims, you know, whether it's broken pipes sewer backup, we can inspect those or at least advise sewer backups, usually, or water backup limits, they usually have a limit. So I see your limit is 10,000. I look at the photos and I'm like, Well, you max out the limit. You don't need a PA this one's just a max policy easy. A lot of people that call us if we get to two calls, three calls a day of clients that we just kind of give them advice because there's no need for a PA in some instances, they will but we can give them at least advice and help them out.   But fire claims hurricane even commercial roofs we do commercial roofs a lot. Residential roofs is just the one thing we don't really do. Just because we we don't have the staff to do it. So…   Michael: Yeah, okay, fantastic. And for people that want to reach out learn more about your take advantage of your services, what's the best way for them to do so?   Andy: The easiest way is my cell phone. It's literally for your clients they can for your listeners, they can call me it's 708 655 4186 that's literally my cell phone. They can text me call me I'm really easy to get a hold of while I still can. I'm able to get my phone away so write it down because I might have to switch here I might not be able to give my phone away and my wife gets mad with more calls.   Michael: I hope you're so busy that happens.   Andy: So ya know so far so far. Okay, wife's not getting mad, so…   Michael: Awesome. Andy, thank you so much, man. This was super great anyone watching the video could tell I'm super giddy talking about insurance stuff. It's so great to meet someone that's also as giddy so no, I really appreciate the time.   Andy: No, it's fun to actually have a host that actually knows that that area and yeah, it's fun. You You know you've been through it now yourself. So you kind of know the you know, you know, you know what we do and what a PA can help. So it's, good.   Michael: Big time, big time. Well, thanks again, man. I'm sure we'll be in touch.   Andy: Mike, thank you so much for having me. I appreciate it.   Michael: All right, everyone. That was our episode with Andy, A big thank you to him for coming on and sharing some great information, some great knowledge and wisdom with us. Definitely. If you are someone that is going through an insurance claim or will go through an insurance claim in your lifetime with the property you own, definitely consider hiring a public adjuster they are worth their weight in gold. As always, if you enjoyed the episode, please feel free to leave us a rating or review. We'd love to hear from you all in the comments section and ideas on future episode topics. And we look forward to seeing on the next one. Happy investing

In today's episode, Andy & DJ are joined in the studio by entrepreneur and former Special Forces SGM Mike Glover. They discuss the decision by the federal court to limit social media companies' power to squash opinions, Gov. DeSantis sending a plane of migrants to Biden's summer home, and Biden signing an executive order giving the government unprecedented control over the U.S. dollar.

In today's episode, Andy & DJ are joined in the studio by entrepreneur and former Special Forces SGM Mike Glover. They discuss the decision by the federal court to limit social media companies' power to squash opinions, Gov. DeSantis sending a plane of migrants to Biden's summer home, and Biden signing an executive order giving the government unprecedented control over the U.S. dollar.

Hey Kobe fans! This week, Andy chats with Philadelphia Inquirer columnist/author Mike Sielski about his new book, "The Rise: Kobe Bryant And The Pursuit Of Immortality". Andy & Mike take a deep dive into how the Mamba became the Mamba! The two analyze the common threads between each other's books, the genesis of "The Rise", Kobe's arrival to America & Lower Merion HS, how he sharpened his talent around the Philadelphia area, an important moment from an early karate lesson, his first time meeting Michael Jordan as a freshman in high school, how he studied Andy's photos, plus the first EVER Mamba Mentality Lightning Round!! Andy & Mike also discuss Kobe's post-career path, the tragic day of his passing, the thousands of Kobe murals all around the world, & the lasting legacy that he leaves us with. Join us while we unpack the stories & tiny details that made a legend

In today's episode, Andy & DJ are joined in the studio by Attorney-at-law Mike Yoder. They discuss Elon Musk's recent decision to purchase a 9.2% stake in Twitter, Texas sending migrants in busses to the nation's capital, and the California DA who opposed the release of Sacramento's mass shooting suspect.

We do not talk much about the draft but take a Listen. Fantasy Football, The Rib Contest in Reno , Fred's Life shower continues.... When will it end?

This week Andy returns to revolute about egg & meat-free foods, more pet-wrangling pointers, and MacOS naming. Also: It's a New Year's Techstravaganza as Andy & Mike discuss Zoom parties & audio problems, working from home, and perplexing peripherals!

Tom dives into the whole MCU and to do that assembles his own superhero team of Rachel of Rachel's Reviews, Nikky of Trivial Theater, and Andy & Mike of Geek Salad!

This week Andy returns to talk personal care products, Mister Rogers, Walk of Fame, homemade swearbot, and vomit art. Plus: Craig makes 4 Games in 4 Days, Andy & Mike discuss BattleBots, and Kevin asks about the finer things in no one's life.

Fantasy Football Podcast for December 12, 2016.  Week 14 was either a beloved friend or an evil nemesis and we're here to talk about all of it.  Andy Mike and Jason are back once more to discuss all the fantasy football good and bad of week 14, playoff impact, the ups and downs, studs, duds, rising stars, and much much more on today's show.  Were you fortunate enough to have Lev Bell or the Atlanta defense?  Were you marveling at the ineptitude of some of the big names?  We'll touch on everything and keep your team rolling through the first round of the playoffs and beyond.   Don't miss this episode of the #1 Fantasy Football Podcast, the multi-award winning Fantasy Footballers!  Every day, every week, getting your team ready to win and having fun doing it! Join us YEAR ROUND at JoinTheFoot.com! --------------------------------------------------- Visit us on the web --> TheFantasyFootballers.com Support the show!-->JoinTheFoot.comFollow us onTwitter-->@TheFFBallersWatch on YouTube --> The Fantasy Footballers Channel Learn more about your ad choices. Visit podcastchoices.com/adchoices

Fantasy Football Podcast for November 2, 2016.  Andy Mike and Jason bring you their mid-season election special, pandering for votes for each of their fantasy football candidates in a handful of important categories.  Cast your vote on @TheFFBallers and join the guys as they prep for the 2016 fantasy football second half! Don't miss this episode of the #1 Fantasy Football Podcast, the multi-award winning Fantasy Footballers!  Every day, every week, getting your team ready to win and having fun doing it! Thanks to O'Reilly Auto Parts for sponsoring our brand new "Pump the Brakes" segment!  O'Reilly Auto Parts, Better Parts, Better Prices...Everyday! --------------------------------------------------- Visit us on the web --> TheFantasyFootballers.com Support the show!-->JoinTheFoot.comFollow us onTwitter-->@TheFFBallersWatch on YouTube --> The Fantasy Footballers Channel Learn more about your ad choices. Visit podcastchoices.com/adchoices

Fantasy Football Podcast for June 2, 2016.  The Fantasy Footballers welcome in Jake Ciely (@allinkid) from the FNTSY Sports Network to discuss a number of hot topics, like Thomas Rawls, Coby Fleener, CJ Anderson and more.  Andy Mike and Jason also tackle a number of fantasy football questions for the upcoming season, submitted to the website by #FootClan listeners.  Visit the site or the guys on Twitter to get your own questions answered! Be sure to head to PodcastAwards.com and vote for The Fantasy Footballers for the "People's Choice" and "Sports and Recreation" categories! Get your 2016 Ultimate Draft Kit! --------------------------------------------------- Check out FantasyJocks.com and use the code "BALLERS" for 10% off your order of live draft boards, trophies, championship belts and much more! Visit us on the web --> TheFantasyFootballers.comSupport the show!-->JoinTheFoot.comFollow us onTwitter-->@TheFFBallersWatch on YouTube --> The Fantasy Footballers Channel Learn more about your ad choices. Visit podcastchoices.com/adchoices

#138. I sat down with John & Amanda Neal of Mahina Expeditions, two of my favorite people in sailing and a huge inspiration both philosophically and practically in building my own offshore passage business with Isbjorn. This is the first of several podcasts I recorded in front of a live audience at the Toronto Boat Show in January, so you’ll hear some questions pop in from the handful of people we had in attendance. John & Amanda have varying and extremely interesting backgrounds that led them to the place they are today in sailing. John grew up on the west coast and did a bunch of single-handed sailing on his 27’ Albin Vega - the same kind of boat that Matt Rutherford completed his Around the America’s voyage on, by the way - and began giving lectures on how to go ocean sailing. He also became a pilot, a hobby he continues today. Meanwhile Amanda, half a world away in New Zealand, grew up cruising with her family and eventually wound up crewing on the first-ever all-female team in the Whitbread Race aboard Maiden. Their paths crossed many years later and since then the couple have sailed hundreds of thousands of miles together in their Hallberg-Rassy’s they call Mahina. Their voyages have taken them and over 1,000 crew members literally to the ends of the earth, from Arctic Norway to Antarctica and round the Horn over half a dozen times. They are consummate professionals and people to look up to if you’re interested in going offshore. Their website, mahina.com, is a treasure trove of information on all things offshore from boat design to checklists and everything in between, so be sure to check it out. As for our offshore passages, Mia and I only have 3 spots left for all of 2016 on Isbjorn. Just today we added another Caribbean trip for March of 2017, a week-long, downwind passage from Grenada to St Croix and the BVI following our trans-Atlantic from the Canaries. This week we’re gearing up for the Caribbean 600 Race, and we just completed the first two passages of 2016 with an awesome crew, despite some setbacks (check out the passages logs page on 59-north.com if you haven’t heard about it). You can find all of our passage info and sign up on 59-north.com/offshore. Thanks again for listening and I greatly appreciate the support of both my podcast fans and the awesome crews that have come sailing with us so far! Huge thanks to Ryan, Todd, Dan, Cicci, Greg, Andy & Mike for making the first two passages of 2016 so memorable and fun. With that, enjoy episode 138 with John & Amanda Neal! This episode is sponsored by Forbes Horton Yachts. Visit forbesyachts.com.

6 wins in 7 games... shall we repeat that? Yes - 6 wins in 7 games. Jon, Mike and Andy (Mike's brother) chat after the 1-0 win over Fulham and look back on a great month, forward to the last 11 games and chat to John Saloman, Watford Ladies Manager, about their up coming season.

We welcome Andy & Mike from Audio Media / Dark Journey back onto the show, not as guest companions, but as Sarah-Jane Smiths as they give us the low-down on Fan Expo Canada 2014. As well as that we talk Capaldi, crotchless panties, HMV, Canadian Daleks and Andy & Mike go quiz themselves... that's not a euphemism! So much we had to make this a bumper edition. Enjoy!This episode of Gallifrey Stands is bought to you by Dotties Charms, makers of hand made jewellery. Find our new Doctor Who range @ https://www.etsy.com/uk/shop/dotscharms?section_id=16041002&ref=shopsection_leftnav_5It's also dedicated to Jane Baker, Doctor Who writer & Angus Lennie Doctor Who actor on 2 adventures.Find AM medias Dark Journey @ http://amaudiomedia.com/