Bill Meyer Show Podcast - Sponsored by Clouser Drilling www.ClouserDrilling.com - 06-10-26_WEDNESDAY_8AM

Episode Date: June 11, 2026

Private Detective Nils Grevillius, author of THE LAST LAWMEN, we talk his past, and the Carmello stabbing case, Open for Business with Steve Yancey and Lynn Barton from SKYPARK insurance - there is hope for rural homeowners turned down 4 coverage.

This hour of the Bill Meyer Show podcast is proudly sponsored by Klauser Drilling. They've been leading the way in Southern Oregon well drilling for more than 50 years. Find out more about them at Klausor drilling.com. Now more with Bill Meyer. I'm so thrilled to have Nils Gravilius back. He's a crime expert, author, U.S. Army veteran. Gosh, L.A. based, a private investigator, 30 years experience of catching people doing bad things. We're finding things that needed found.

and these conducted cases all across 50 states and around the world, too. And just an interesting cat. And he put his interesting stories out on his latest book, The Last Lawman, True Stories of a Private Detective, which will be in my mailbox this afternoon. I did a pre-order months ago, Nils, and I can't wait to read it. Welcome back. Well, I want to thank you for lending me your fantastic audience and your microphone.

Yes, it is a pleasure. I'm proud to do this here. And it's an interesting world that you reside in, kind of in the shadows. And why was it that you decided to bring some of the shadows out of the shadow into the light of day in the last lawman? Why don't you tell me about that? Because you're just filled with stories, as we well know. I was sitting in St. Vincent Ferrer, in New York City in May of 22, attending the funeral mass for John Connolly. The retired NYPD organized crime squad man who wrote the book, Filthy Rich, about Jeffrey Epstein.

He was a Connolly and I had differing politics, but we were close friends. He was my Gaelic rabbi when I was new in the profession. And I got a notice on my smartphone that I had been permanently banned from meta platforms for what they call stochasticity. terrorism, which is some $50 word invented by like the Southern Poverty Law Center or something like that. In other words, my mere thinking is the crime of violence, and that my thinking should not be exposed to the real world. I was so offended. I went back to my room at the New York Athletic Club that night and wrote the first three chapters of the last lawman. No kidding. So that's what started at Facebook banning you. Man. That is correct. And I'd already been throttled on Twitter.

This was just before Elon Musk acquired Twitter. I would send out a tweet and it would take three weeks to ever see the light of day and it got zero explosion. Well, I'm glad that I suppose I'm glad you got banned because now we'll get to know stuff we didn't know before. And I wanted to, I mean, what can we expect, I guess I'm asking you to give me a pre-taste of what I'm going to get when I open up my mailbox this afternoon. I never reveal who my clients are, nor should I. I talk about working in the Pinkerton service and what it was like genetically and emotionally and intellectually. But again, I signed an NDA with them, which I shall forever honor. I don't give up who their clients are.

And a lot of their tradecraft is strictly secret all the way back to the 19th century. Like we had an analog method of communication that predates the Internet by 100 years that is still secure to this day. And I won't reveal how it worked, but we could communicate reasonably securely. It wasn't always immediate. But if we had a man undercover in an organization, like I was placed undercover in. two different companies to ferret out criminality and threats being made against people, things like that. Yeah.

I would, you know, I would be risking the life of an operative. And indeed, 30 years ago, a Pinkerton man was beaten to death in Union City, California, who was undercover in a criminal ring. Nils, do you think that we've over or been oversold the security of the online world? You talk about an analog world in which you were able to be perfectly secure and communicate in the Pinkerton organization. You know, you know, how it is done there. And yet, I would dare say that if anything, our lives have probably become less secure, the more we're being told that, well, our security comes through the online world.

You being a, you know, private detective here, private investigator, what do you say? U.S. Army counterintelligence is any device or process of security created by man can be undone by man. So it is with ones and zeros, the digital realm. A.I. is particularly concerning to me. If I don't switch AI off in my browser, my phone, that sort of thing, and I can't completely switch it off, AI is endlessly accessing my data. and that of the people that I communicate with to compare it to other things. And it's only a matter of time before somebody creates an AI program to butt up against what is supposed to be a benefit to me and siphon out my information and maybe alter my information.

While I was in the pendency of the book, I noticed that Microsoft Word was changing my book even after I saved changes myself. It would go back and alter my own changes. In other words, suggesting or automatically putting in different words than what you had originally written. That is correct. Now, when you skin my book open and read it, you'll notice that there are a few typos in that book. I have necessarily left those in the book, number one, to confound people who might offer the suggestion that I had this ghost-written. I wrote the book myself. I've written other books, the trashy crime fiction books, but this I wrote myself, of course, like the others. I don't want anyone to think that some slick hired writer was needed to tell my story, I can tell my story myself.

Yeah. Funny, did you bring that up? Because I was talking with a ghost writer yesterday who had written many novels or many books or tell-alls on celebrities, and it was his job to be that slick person that you were just mentioning. Well, some readers expect to have an absolutely perfect literary experience, that sort of thing. I'm going to point out that, like, if you compare Ulysses-Grant's memoir to that of Colin Powell, Ulysses-Grant's memoir is straight from the heart. It's about what made him into the general that he was, who won the Civil War. He talks a bit about his own downfall and some of the regrets that he has, and it's all written in 19th century vernacular, a very well-written book, Colin Powell's memoir, may as well been written by somebody from the

Wall Street Journal and probably was. It wasn't from the heart. It was just strictly mayonnaise for the eyes. I assume that, or at least I'm presuming at this point, that the last lawman, true stories of a private detective, is from the heart, more or a lot. like the Ulysses S. Grant biography. It is because what I'm characterizing is the family into which I was born, the experiences I had as a soldier going into the Pinkerton service and some of the holes that I stepped in as a young man, and then going out with a lot of people telling me you'll never make it in the detective business.

So you're not a retired cop. You don't have the ties to an agency that will help you dig through its own records. and that sort of thing. Well, this made me stronger. I had to overcompensate in some areas, and I couldn't always rely on the information that people provided from official records. So it just made me a little bit better at what I did, and I developed my own method, my own sources, that sort of thing. I learned to protect them as I did in counterintelligence and in the Pinkerton service. I found my own way to identify the men and women who could. best apprentice under me and work for me using basically the delta force method, which is

you want to identify a particular emotional quality that a man or woman has that cannot be trained into them. Either they have it or they do not. They could have all of the intellect, all of the physical ability. They could be able to be rational, literate, all of these things, and utterly fail in the profession for a lack of a particular emotional quality. What is that emotional quality that you think is most needed to someone who is a private investigator? When is that?

If you look at the selection process that they put the SAS men through, the Navy SEALs, Delta guys, is a series of exercises without limit where they don't know what the breaking point is or what the ultimate objective is they're given very vague instructions that still have to be rigidly adhered to. It sounds like an open-ended process almost. That is correct. They're trying to identify in those people the ability to deal with ambiguity under stress. There is no rare human emotional quality. The ability to deal with ambiguity.

In other words... Under stress. Yeah. It sounds like... having to deal with an entire AI slop world and be able to function to a lesser extent. So with all from the AI slop world, don't trust with what is served up. You know, so often what is supposed to be trope turns out to be tripe and nothing else. All right.

It's the last lawman, true stories of a private detective, Nils Grievous. Nils, I wanted to kind of dig into your world here a little bit. What was your impression of the Carmelo Anthony murder trial yesterday? I'm actually kind of looking forward to an America in which maybe if you get jostled at a school track meet, you don't decide that it's okay to get stabby with another person. But how do you see it? I see Carmelo Anthony as having been reared in a family where a Greshon was expected and rewarded with his family getting all of this money from us,

send go allegedly for his defense. And next thing, you know, there are luxury cars parked in the driveway rather than competent that attorneys representing him. I don't know. You know, the attorney tried to suggest that Mr. Metcalf fell on the knife that Carmelo Anthony used to stab him to death. I don't live in the fantasy world of defense attorneys. If I did, it'd be a bizarre, bizarre planet, wouldn't it?

No. Now, I will say this about Carmelo Anthony. As long as any man is alive, he has hope. He has hope to change, hope to grow out of things. If I were the judge, what I'd have done is I'd have sentenced him to 20 years, conditional on his good behavior in prison. And I don't mean bare minimum good behavior. And if he can't fathom that, get him another 10 or 15.

on top if he wants to engage in criminality in prison. And in other words, more irrational aggression. Another story I wanted to ask your opinion of as a lawman or the last lawman, as it were, through stories of a private detective. Do you think the L.A. mayor's race was a legit election? I know that President Trump raised some issues, and of course the media will immediately then say that, well, it's baseless claims about what this is. I can't trust the outcome. I'm waiting for the U.S. Attorney, Billy Saley, to come out with the evidence that they've already got collected.

They can't launch anything unless and until a bad election is certified. So I want to see that, but I don't trust the outcome, and I'll tell you why I don't trust the outcome. Okay. The votes for Nithia, and all came in at the very last minute, almost as if it were a programmed activity. What I believe is that these are the ballots of derelicts, buns, junkies, illegal aliens, cartoon characters, and house pets collected by these Marxist NGOs. There's no requirement that there be a post-mock or that it be properly dated. They're going to count them, whether they come in a week after the election, all of these things. According to the Baker-Carter report after the 2000 election, mail-in ballots are the ones that are the most vulnerable to manipulation and fraud in an election.

And you can say a lot of bad things about Jimmy Carter's judgment as president. Yeah, he was spot on in that case, though, in that particular instance. He was spot on in that report. No citizen should trust the outcome of this election. And Jimmy Kimmel can go to hell trying to troll Spencer Pratt. me, Kimmel never took a risk in his life, like the one Spencer Pratt has taken. I want to see the actual result of this. Mills, I'm going to have you back, and I'm going to read your book, The Last Lawman,

and you said that you can tell me even if I hate it. I can be honest with you, if I hate it or not. Something tells me I'm going to like it, and I'll get back to you. Well, I appreciate that, but I'll tell you what, I have no expectation of that. I don't want to disappoint you. I'm not every man's cup of tea, but I'm certainly a man for all seasons. When you say you're not every man's cup of tea, why is that? What is it?

I'm not going to go along to get along. I think it was Mark Twain who once wrote, never trust a man who doesn't have something bad to say about someone. Okay. Yeah, if one is too politic, in other words, don't trust those. That is correct. That is correct. I'm in no danger of running for office, that I can guarantee you. All right. Well done. Nils Gravilius once again. The Last Lawman. True Stories of a Private Detective. By the way, do you have a website for the book? I just want to make sure you get that out there, too. Well, I'm on X, formerly Twitter at Detective Nils. It's funny you should ask that. I'm trying to launch an Instagram right now.

one specifically for me as an author, and I'm anticipating writing a few more books. So let's deal with this one. I'm very grateful again for you lending me your microphone and your fantastic audience. You're just such a unique individual, Nils, and I'm not just blowing smoke up your behind, but there just aren't many people that kind of have the approach and the confront of yours. So I appreciate that. You're welcome any time. Well, you are an above-average host, I will tell you that.

You ask questions and actually allow me to answer them. I'm very grateful for that, and the questions you ask are all interesting and I think interesting to your audience. Well, that's what we try. It's a mutual admiration society then, Nils. Be well. We'll have you back. Take care. Roger that.

You stay safe. Thank you. It's 828. KMED 993 KBXG, the Bill Amier Show, Nils and Gravilius. Oh, building has so many decisions. Layout, design, contractors. Yep, it does. And we're getting nowhere. I know. Okay, I'll list off items and let's both say the first thing that comes to mind. House color. Brown.

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Get news at the top and bottom of every hour. News Talk 1063, KMED. This is News Talk. 1.063, KMED, and you're waking up with the Bill Myers Show. It's 831 on Wheels Off Wednesday. Some emails of the day. I'm going to share a few. And I have one from out of state that I don't normally get a lot of people writing me from out of state, but it does happen.

When I say out of state outside of California and Oregon, because of, you know, our local... We got a lot of listeners in Northern California, so I always hear from them. But emails of the day, sponsored by Dr. Stephen Nelson, Central Point Family Dentistry, Central Point Family Dentistry. And they have a, well, if you don't have dental insurance, they have a dental plan, which works a lot like dental insurance, but it's considerably less expensive and better benefits. Find out more at Central Point Family Dentistry.com. They're right next to the Mazelon Mexican restaurant on Freeman Road, okay? And John Hux-Chartner writes me from Granby, Connecticut.

And this is kind of a mass email to the media. says, I think we know that most people down deep, deep down, they know deep down that the way we treat animals, especially those we eat, is wrong. What they may know or be aware of is developing technology that will make aligning our morals with our dietary habits easier. I'm talking about cultivated meat, which is grown from livestock cells without slaughter.

Even low adoption rates of the protein would say, billions of aquatic and land animals every year. Unfortunately, cultivated meat is still too expensive to mass produce. This can be overcome with further research. Compassionate legislators should support significant increase of state and federal funding into cultivated meat development. Let's build facilities like the Tufts University Center for Cellular Agriculture at schools across the country.

as darkest things feel right now, the possibility remains of building a better world. Sincerely, John Hawkschartner from Granby, Connecticut. Something tells me that he would be one of these individuals voting for Initiative Petition 28, don't you think? That's really interesting. He says that as dark as things feel right now, the possibility remains of building a better world. It's interesting. because everything is food for something on this planet. None of us exist in a vacuum.

And I appreciate people wanting to make sure that we're not cruel to animals, and I think that is very important. But it sends chills up my spine, the thought of meat-giving way to cellular agriculture. Did you agree with me on that? you know, essentially eating as a natural part of our being, meat which has been generated through essentially a cancer cell process. Now, it's not cancer per se,

but essentially what they're doing with cellular agriculture is getting meat cells from animals to reproduce like a cancer, like a tumor, like just keep growing and then it's, and then made into foodstuffs. To me, I look at that about as dystopian as it gets. I don't know if you have an opinion on this or not, but this is, wow. Under the guise of eliminating animal cruelty, we then start eating cancer cells. What do you think, Francine? I know you'd like to weigh in on these things.

Well, you know what I think, Bill, is that people care about animals, what we need to do is ban factory farming and feedlots. And let everything grazed on grass. And, you know, I mean. So you're thinking more of a reasonable type of life for the livestock before slaughtered then. Yeah. I mean, factory farming and you know what a feedlot is. Yeah.

I mean, where the animals are packed, you know, shoulder to shoulder butt to butt and standing in, you know, two or three feet deep of their own feces or at least the foot of it, you know. And, I mean, it's disgusting. and they're getting all these injections and stuff. I don't hear anybody talking about that. They're talking about not allowing farmers. You know, like we have a whole lot of really amazing farmers in our area, you know, that do things organically and naturally and treat their livestock beautifully. Let me pose you a question, though, on this.

And I agree. I agree with you. To an extent, I wonder if this initiative petition 28 is really part of, of the, you know what, how you get in the left, the useful idiots, the people that are doing the bidding of Team Tech or whatever is, you know, the tech pros in this particular case, it might be the, could they be doing the bidding of the cellular agriculture people, you know, kind of like, well, this is how they were going to ban meat.

And so we'll just grow your hamburger, as it were. Well, there's time you've got some kind of insanely ignorant movement. like this, you know it's being pushed by somebody, some uppity up and that's going to be making money off it. Yeah, I just don't think this is something that is just natural grassroots, but I appreciate the call. Thanks for that. 770K.

NED. Hi, good morning. Who's this? Welcome. Hello. Good morning. It's Deplorot Patrick Bill. ADP.

What are you thinking? Hey, I've been wondered about this subject of the lab grown meat. Is this something that's out there now or just being talked about? Well, it is. In fact, if you go into some stores, you have to always look out for anything on the meat package, which says cellular, because that is, in essence, been in that it is lab grown. I have yet to have seen it, but I do know it exists. It's growing. What I would really, really, really, really push for is if it comes out that there'd be a requirement, a legal requirement, that any restaurant, as a starting place, has something on the door that says, we do. serve lab grown meat or we don't serve lab grown meat. Yeah. Maybe even on the menus, you know.

Something feels very wrong about the concept. Now, maybe I'm just being a Luddite and I'm willing to be wrong or admit that I'm wrong if I end up being wrong, but I, something feels really dystopian about this process. You're my favorite Luddite, Bill. Okay, well, thank you very much. You're my favorite deplorable. Hi, KMedia, good morning. Welcome. Hey, Bill. Hey, Bill. It's Lucretia.

Hi, Lucretia. Yeah, it's quite interesting because I said, like, Lord Birkenhead in 1929, said by 20209, which has synthesized food for the masses. This strikes me as kind of going right down that rabbit hole, doesn't it? Yeah, and back in Exodus 30, I think it was 33, if you fed fat, if you ate fat, you were killed. And they've demonized fat. lied to us about fat. And it's amazing, like if a hunter is eating a certain meat, it's killed more people, more men,

than bears have. And what does that mean? Lean meat. Rabbit. Rabbit, lean meat. Yeah, yeah, lean meat. Yeah, yeah, you need fatty meat, really, for health. Yeah.

And what they're finding is people that, like even the cows, they produce from grass 80% fatty acids and 20% protein. And that's about what we should be eating, a lot of fat. Way back then, they were not wanting to be eating fat because it's so good for the brain. Yeah, good point. Thanks for making it. I'll take one more call. We may have to pick this up on conspiracy theory Thursday a bit more on the cultivated meat. Hi, K&D.

Good morning. Who's this? Hi, Nathan from Grant's Pass. I'm in the pest control industry. And one of the things I don't hear mentioned much is how it's going to end our industry. by outlawing rodenticides, which is a major income part of our company and our industry, not just company, and then also many pesticides because of how it kills insects. Very good point. I appreciate the call. Thanks for that, Nathan. I didn't consider that.

I don't think IP 28 will pass, even if it does make the ballot, but it's about conditioning and conditioning to the worldview of the John Huxchartners of Connecticut that I was just mentioning. It's why I read his email, it's the email of the day. Not saying that I agree with it, but it's kind of spooky. All right, it is 20 before 9. We are live from the Army-Navy Marine Store Studios. We're going to continue here in just a bit, and we're going to be talking a bit insurance.

And if you're looking for some help on insurance, we have Steve Hansy from Sky Park, who is in studio, along with Lynn Barton of Sky Park. We're going to be talking about what's going on there, and maybe some help for those who have had trouble getting home insurance. We'll kick that around next. The following preview has been rated Immature. for all audiences except metal roof enthusiasts and small children.

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Slip away to your happy place. Fantastically furnished by Garrison's home. Garrisons.com. This is the Bill Myers Show on 1063KMED. It's 843 and change. Such a pleasure to have Open for Business this time, a couple of good friends of the show, and have them in.

We're going to be talking a little bit about insurance. And let me tell you, insurance is one of those things where if it's done wrong, it could be a real problem. That's why we're going to do it right here. And we have Steve Hansi, Sky Park Insurance. Hello, Steve. How you doing? Welcome. Morning, Bill. All right. I'm doing well. Okay, good to have you here. And Lynn Barton. Hi, Lynn. All right. Always appreciate your calls and emails and everything and all the rest of it. And, you know, Lynn, why don't we talk about your part about it yesterday? Because I said something wrong on the air

about you. And I wanted to, to fall on my sword about this because I had mentioned that you're handling the the Medicare side of it and I said not necessarily Medicare Advantage. You do the Medicare advantage. I do. Okay. You do the Medicare. Everything involving any kind of Medicare supplement, right? Right.

You work that. And so you turn 65 and call you. And by the way, Lynn's number, I need to know this from, from Hart, 499-958, 499-9-5-8. And is there anything new about that? And, like, how long you've been doing this now? It's been more than a couple of years you've been with Skyport. Yeah. Well, I got started with Steve by answering an ad from your radio.

Oh, okay. He saved me a bunch of money. Yeah. And he's chatty. So he started asking me about my background. And I let him know I'd been a broker with Merrill Lynch in the 80s for a number of years. And he says, well, I have a bunch of people in my book who are Medicare age or close to it. And they need supplemental coverage.

And I don't have time. Would you be interested? So that's how that all got started. And I'm in my fifth year now with him. Oh, fifth year? Yeah. Oh, my God. Really that long. Yeah.

I'll tell you, Steve, it flies. It does. It does. It does. It does. As you get older, it gets faster, it seems. Are there any bizarre rules that have come into play here that we need to mention before we get into to Steve's topic this morning?

Just that there's a lot of moving parts. Yeah. And the rules are different if you're just 65 versus if you've been in group insurance and you're older than 65. Like there's been some Asante layoffs recently and I've talked to a number of people and they're getting Cobra. But Cobra doesn't care. account for accreditable coverage and you have tighter deadlines.

So there's just so many rules. That's my pitch. Come talk to me and I'll help explain to you what you're dealing with. And just like Steve says, making it easy, right? It's trying to make as easy as possible. All right. And personalized service, one-on-one. Yeah.

You know, no classes. Yeah, nothing wrong with that. Okay. I appreciate that. Good to know, 499-958 and get your personal service there with Lynn, all right? Steve, I'm going to switch it over to you now. Okay. And the reason I wanted to do this is that you and I have talked off air about challenges in getting home insurance in the state of Oregon.

And maybe you can explain some of the challenges and maybe the state program. And it's all been based. It all started with the wildfire mapping. But this has been existing. It's been growing for a while, really, hasn't it? Yeah, it has. But, you know, before we get started, I do want to thank Lynn and just tell the people that she's doing a great job. Every year, it's just getting a little bit better, very consistent.

And, you know, before she even started selling, she studied for a full year. So she's very knowledgeable at what she does. So, you know. That's mutual admiration. Yes, Steve. Over at Sky Park. Okay. Yeah.

There we go. So, Steve, let's talk about people who are having trouble getting insurance. And we're thinking that there is a way out possibly. Would that be fair? There is. We do have some new markets, so to speak, some new companies with specialty programs that will insure homes in high fire risk areas. And in this area, there's quite a few of them. You know, along the I-5 corridor is pretty safe. But if you start going out into talent, Phoenix, up in the hills, even a little bit, it starts to get difficult. And we do.

do have a new program that's starting off with a bang. We've had a few pretty good sales. And the nice thing about that is, well, first of all, I think that's important to understand what the options are. So generally speaking, somebody may call and need home insurance. Maybe they're closing escrow on a home. Yeah, you've got to have it before you're going to get them. Yeah, exactly. You're not going to get a loan unless you have insurance.

if the preferred companies decline you, which has been all too often, then you've got the option of the Oregon Fair Plan. Now, there's nothing wrong with the Oregon Fair Plan, but there are very strict limitations. For one, the limitation on coverage is, I think, $650,000, which for a lot of people, that's plenty, but if you have a high value home, that's not going to cut it. Or even if you have, you know, a little bit of farm or ranch land or something like that, it doesn't even, doesn't even begin to touch it in many cases. Not only that, there's no liability coverage. So if you are a farmer or rancher and you have cattle or whatnot, you've got no liability

coverage. And for the most part, I've stopped offering that because it's just too much risk for me and for the client. I'd rather just not do it. But with this new program, It's a regular homeowners program with replacement costs. Now, getting back to the Oregon Fair plan, not only is it limited coverage and limited perils, fire mostly, and that sort of thing. But it's not replacement cost, so it's actual cash value. So if you do have a loss, it's going to be, your house is going to be depreciated and possibly severely if it's old. And if you have an outbuilding like on the farm or something like that, they're just going to say, hey, that's a 50-year-old. barn, it's worth $2,000.

Exactly. But it would cost you, you know, 200,000 to replace it. That's right. That's right. So you always want a replacement cost policy. And these new carriers that we have on board will do just that. Now, that being said, it's not exactly cheap. It usually is about double what the standard home insurance would cost. But to be fair, though, I don't think there's any cheap home insurance right now out in Oregon, given the realities of the politics in the wildfire issue.

Would that be fair? I mean, I don't know. Yeah, except for maybe your policy, which no. But, you know, in town, in the city, it's not too bad still. But if you started. Yeah, I was speaking about once you're outside of the... Once you're outside... Once you're in the unincorporated areas, it gets a little dice here, doesn't it?

Oh, yeah. All bets are off. And, you know, the... This all starts... really with the, you know, I was taking, doing a little homework on the fires and, you know, the Paradise Fire, the Alameda Fire, South Open Chain, that all happened within a few months. I don't know if you recall that. Oh, yeah.

But it happened all the ones. Yeah, exactly. So, you know, and insurance companies responded. They, they pulled out. We lost three or four good insurance companies that just packed it in. And for one, let's see, what do we have here? We've got sublimity, which was a regional company out of sublimity, Washington. I think you had me on sublimity at one time.

Yeah, I think we did. About the time I started, they're pulling up their stakes. So, yeah, it's not good. But I'm hoping that the dust has settled a little bit and that if we have a good fire year, or I should say not a lot of fires, then I'm pretty hopeful for the future. So essentially things have calmed down a little bit. A little bit. And the stark terror that went in through the insurance industry, I think, with wildfire after wildfire after disaster,

Omita, 2,300 homes and businesses gone and such, that's been digested. And there's a bit better reaction to it now. And we lost a lot of insurance companies then. So we're getting some coming back in. Right. Well, different companies coming back in. Different companies coming back in. The companies that left, I don't see them coming back.

Well, sublimity, they just went broke. They just flat out quit. And that is the reason, though, why we've had a tough time. So not only do you have the politically sketchy finances of Oregon State government, I'm not getting you involved in the politics. You know, that's kind of... Well, it's better than California. It's a real problem there.

And a lot of it does have to do with politics in which insurance companies they put in for a rate increase. And everybody wants inexpensive rates. But if you handcuff an insurance company and say, well, you can only charge this, even though the risk is that. And the payouts have been this. That's right. They'll just pull the plug. Yeah. And that's what's been going on.

So we're not. Okay, well, not as bad as California. I don't know if that's a great selling slogan. but matter of perspective, I suppose. Yeah, I suppose. So who would you then be suggesting getting in touch with you over at Sky Park? Steve Yancey here, Sky Park Insurance in there. Who are the type of people that you think would be most benefited by these new companies that you say are now working with you?

Well, let me give you an example. I got a call the other week with one of the major direct riders. I won't mention the name, but they pulled the plug on them. They non-renewed them because of increased fire risk. And they looked around. They couldn't find anything except for the Oregon Fair Plan. Which is not horrible, but there are lots of limitations. You know, these people are well healed and they were way underinsured, no liability insurance and just really exposed.

and they got quotes from some of the other companies looking like $20,000, literally, literally. And I came in at like five and was a hero. You know, I thought, oh, gee, this is, you know, this is pretty expensive. But I guess there are companies out there that will do it, but for an exaggerated price. Okay. So that turned not to be very, they're pleased his punch. Well, that's good to know. Yeah.

So there is help. There is help available then. And it's not going to be cheap, though, for these properties. No, it's not cheap. But the nice thing about, one of the nice things about that policy is, or these policies, is that you can kind of pick and choose the coverage on a standard home policy. You've got your coverage A, the house. And then a lot of the other coverages are based on percentages.

of that, for instance, personal property, outbuildings. Well, you know, you may have a house that doesn't have any outbuildings, but you're forced to get it. With this, you can kind of pick and choose, kind of a la carte. Yeah. Where you can pick and choose the coverages that you want. All right. So here's a suggestion, the takeaway here from this conversation about the new insurance that is available here, you know, that is trying to help out in these rural areas, especially. Get in touch with Steve, 261-5444.

261-544-4. and work on the quote. And that's really the best thing we can do. Because I imagine there are some people out there, Steve, maybe more people than we know that are running bare without coverage at all. Absolutely. Absolutely. And this has come as a real great thing for us because over the last three years,

I've been turning people away every day. Your callers, mortgage people, realtors, they call. And, you know, I just saw it. If they need the insurance to get the deal done, they can't get the deal done. Can't get the deal done. Yeah. And so this is really a blessing for us because now we can capitalize on some of that and help people. All right.

So it's, yeah, it's working out real well. All right. Very good. Well, I just appreciate the, you know, you always talk about the personal, the personal experience there, the personal service there. That worked with me. Thank you for the waterline work, okay? You know, I got that taken care of. That was a lot of digging, but hey.

You're worth it. Yeah. Well, of course, I just had to watch and supervise when the company came out and did it. But good job. I really appreciate that. Well, you know, another thing is I was glad that you had that coverage because most people don't take that. I've kind of changed my paradigm over the last few years because insurance is so expensive. I'm not offering generally as many of these bells and whistles.

And I would call that one of those. So it's an extra cost that a lot of people don't want to spend. But I have to tell you that was the cheapest insurance that I ever had, you know, was insuring the water line because I didn't realize how expensive it could be if that main line goes. Oh, yeah. So anyway, kudos. Credit, credit. Well, thank you.

I appreciate it. And I'm glad that we were able to take care of you on that. All right. Once again. So Open for Business, Sky Park Insurance, 2615444, 261, 444. and for Lynn 499-958. Lady, gentlemen, thank you so much for joining. Thank you, Bill.

Such a pleasure.