Pregnant And Trapped In A Fire

There are crazy stories in real estate. Today's crazy story is provided by Luke Dix with State Farm. It's about a Pregnant woman who became trapped in a house on fire. 
   One morning he received a call from a client telling him that their house caught on fire. The husband had left for work and the wife, who was 8 months pregnant, woke up to smoke in her room. She ran downstairs to find she was trapped. The whole downstairs of the house is on fire. 
   She looked around and realized she had no choice but to jump out the window on the landing. Luke, realizing how desperate the situation was,  sprung into action. He pulled up their policy only to discover the policy had not been accurately put in place. The husband had forgotten to call in to set up the new policy. 
  Luke called his boss to tell them what was happening. Since these were long-term clients State Farm decided to honor the policy.    Since State farm gives their insurance agents, like Luke,  the authority to write claim checks. They do this because they understand people can't wait around for an adjuster to get to the home. 
   Luke and his team drove to the hospital with balloons and flowers to hand-deliver a check to their clients. This gave them the money they needed to get food, buy clothes, and find a place to stay so that they could start to rebuild. This was a  tragic situation made less tragic by a company that really stands by its motto like a good neighbor State Farm is there.

If you need a quote for insurance you can contact Luke Dix Directly. (760) 505-3301 or email him at luke@dixinsurance.com

FOLLOW US AROUND Tik Tok : @realestateiscrazy Instagram : https://www.instagram.com/realestateiscrazy/ Facebook : https://www.facebook.com/RealEstateisCrazy Twitter : https://twitter.com/CrazyRealEstate Youtube: https://www.youtube.com/channel/UCS1CNRcnWd-KG9BCOV9hdjQ 

This Podcast is for real estate agents. A way to share your experiences. Do you have a ghost story or a wild tale to tell?? 

BE A GUEST OR SHARE A STORY HERE: Realestateiscrazy@gmail.com 

We appreciate you for coming by, and tune in next week for more real estate is crazy. 
* Hosted by: David Haghighi & Christina Smith
* Produced by: Brandon Pease, Linkedpreview.com (Real Estate centric multimedia company & Veteran Owned)
 * A special thank you to Luke Dix With State Farm! 
Direct: (760) 505-3301 Email: luke@dixinsurance.com

Music from Uppbeat (free for Creators!):
https://uppbeat.io/t/kevin-macleod/monkeys-spinning-monkeys
License code: YVBOHMDRTKWQGCIN

Transcript

David Haghighi: 0:22

Welcome back to real estate is crazy. Welcome back guys.

Christina Smith: 0:28

Episode two, I'm really excited about it. How was your week

David Haghighi: 0:36

fun in a weird way?

Christina Smith: 0:39

Okay. Well, I woke up this morning to a text from a client with a picture of a giant room. Just saying like, Hey, what do we do? And I'm

David Haghighi: 0:49

like, yeah, not listen to our last episode. We discuss rats

Christina Smith: 0:53

pretty thorough. I mean, I said, I can refer, obviously we can refer a company to come out and take care of it, but. Are you expecting me to come out and take care of it? Because I don't think killing rats is part of my wheelhouse of

David Haghighi: 1:06

that's. Our job description is so open-ended people really do expect some weird stuff. It

Christina Smith: 1:13

really is. And they call us for everything, which is great. Cause I love that I had that connection with them that they feel like they can call me about everything. But I don't think I'm going to come over there and to kill them and easily

David Haghighi: 1:26

abused the rights that you're referring to. I do the same. I'm kind of a handyman agent. So, uh, if there's something that needs to get done, I do it most cases last. Uh, two years ago, three, three years ago. Wow. Time flies. Oh, it's cause COVID, uh, my, my good agent friend, Bruce and I pulled a shed about 300 yards with a, uh, forklift that we rented because it was on top of the gas line. Paula Palmer,

Christina Smith: 1:59

it's a

David Haghighi: 1:59

story for another episode. I don't know how I just mentioned that, but like, you know, we, we do weird shit. The truth is two days ago, I helped a us bank crew and a charity, uh, fix up a sweet little grandma named Alice her house. And it was the most fulfilling thing I ever did. And I thought to myself, Nobody else enjoys the grime under the grandma's sink. I enjoy it. I literally did. Oh, well it's because I know that she's going to have sound plumbing with no leaks. It makes me feel

Christina Smith: 2:31

well that, yeah, yeah, yeah, of course that. I mean, when you say grime underneath the sink, it's a trigger because I've seen some nasty stuff under people saying,

David Haghighi: 2:43

okay, anyways, so that's kind of where. My week has been sorta, I wanna hear about this rat. So she sends you this picture.

Christina Smith: 2:53

He he's he's it's brothers. It's two identical twin brothers that bought identical twin townhomes next to each other. And. They, you know, cars two feet. I don't know if it's identical twin cars, but I know for a fact they have identical twin shoes and furniture. So I saw it myself, but yeah, I guess they have a storage area in the house and they went in there and they had noticed like scratching clumps. At the door. And then today they sent me a photo. So I'll have to post that photo. It is a giant rat and I'm like New York subway. Yeah. Like the tails, like, well,

David Haghighi: 3:36

so you know, the thing about rats is where there's one, there are many

Christina Smith: 3:41

more a

David Haghighi: 3:42

family in there somewhere, so you, you know what to do, how to advise, but I think it's great that they come to you for this shit. It's like we do dream of it. We want our clients that the ones. To call us for weird stuff, because it makes us feel some sort of

Christina Smith: 3:59

satisfaction. Yeah, it does. And, and, you know, so in our business, when we do feel like there's a hole in our business and what we're helping our clients with, I always like to learn more. I don't know if that makes any sense, but on today's episode, the story that I have to share is actually by us, it's not by a realtor. It's by a state farm. Oh, is that

David Haghighi: 4:22

the Dix guy with the name spelled like cots?

Christina Smith: 4:27

I X he's amazing. And, um,

David Haghighi: 4:32

oh, that's right. You interviewed him before he gave a story. I want, I want to see,

Christina Smith: 4:35

yeah, we're going to play that story and you know, you've seen the commercials. Oh, it's Jake from state farm. Who you calling at two o'clock in the morning, Jake from state farm or, um, like a good neighbor state farm. Is there. I didn't really understood, understand everything they do until I talked to Luke and he told me some of his stories. And this one that we're about to share is the biggest one that really has stuck with him over the years. And it, it blew my mind, honestly, to hear this story. So we're going to

David Haghighi: 5:07

push play. The insurance game is even crazier than the real estate. I know

Christina Smith: 5:10

we're going to get into that. Okay. All right. I'm sure you have a lot of different things you've dealt with over the years and crazy things that have happened, but what story has stood out the most?

Luke Dix: 5:22

Yeah, I would have to say one that's a, that has stood out the most to me that has really roughly. The type of service and the type of relationships that we develop with our customers is one that's happened several years back again, and reinforcing to myself and to my staff. Like what we do is important. We had a staff meeting that morning and right at nine o'clock, the phone rang. And, um, it was a young lady who sort of out of breath and you could tell that she was panicked and something was wrong. And I said, what's wrong? What's going on? She says, well, my house is on fire. And I said, your house. Why are you okay? And she says, yeah, I'm okay. And I said, well, have you called the fire department? And then she says, no, I haven't even called them yet. The first thing I thought was to call you, I thought, I want you to hang up with me right now. You're going to hang up and you're going to call the fire department and have them come out there and take care of things. And then once you call them, I want you to call me right back. So immediately I go into this mode of, okay, let's jump into action. We've got to figure out what. Went to look her, her profile up in the computer to kind of see and made sure that she had what kind of coverage she had and what we needed to do. And to my horror, I looked at her policy and realized that she did not have the right policy that she needed to in place. And that's sort of my heart sunk and I began to panic and I said, okay, when she calls you back, what am I going to do? And so I called. Our claims office. And I said, Hey, look, this is not in good order. I noticed I had a note that the husband was supposed to call us back to give us some updated information. And he had not done that yet. And I said, what can we do here? This poor girl, she's in a, in a real bind here. And they said, okay, we'll find out what's going on. And then get back to us. She called back after the fire department was on the way. And I said, tell me a little bit about what, what happened here. And she says, Luke, it was the worst thing ever. She said, my husband left to go to work. And when he was gone, the fire had started downstairs and I woke up to smoke in my room. And this is a lady that was eight months. Yeah, she may to say, I didn't know what to do. She looked for kind of a way out the fire had kind of at the bottom of the stairs. And so she ended up running down the stairs and there was a window, a big window towards the landing of the stairs. And she says, all I could think to do was just jump through the window. And so she literally jumped through a glass window, uh, to save herself and her inner soon to be a baby. And I just thought my heart went out to her and she said, we just had a baby shower and all of the new baby clothes, the crib and everything is burning up in the fire. So eventually the fire department got there and then they. I said, where are you going? And she told us at the hospital that she was going to, so then I immediately called back to state farm and I said, here's the deal. This is what's going on. And they said, here's what we want you to do. We're going to honor the claim. And what I want you to do is all of us at state farm has state farm agents. They give us the ability to be able to. Claim checks that we actually don't need to wait for the claims office. They said, if you can tell that it's covering your authorizes, go ahead and write her check to get her going and to, you know, make sure they've got a place to stay, make sure that they've got clothes and something to eat. And so I gathered my team and I said, Hey, well, let's go to the hospital. And so went and grabbed some flowers and balloons and we had a check in hand. Her husband had finally gotten there. And able to give that to them. And, and so I guess that, that whole thing, it was one of the most rewarding moments of my career.

David Haghighi: 9:01

I feel like the word tragedy is not a big enough word.

Christina Smith: 9:04

Yeah. I mean, imagine losing everything plus you're having a baby, you have no home, you have no stuff and you just jumped out a window and

David Haghighi: 9:13

she

Christina Smith: 9:13

had a broken leg. We didn't even get into injuries, but she was in the hospital and, you know, she survived. The fact that Luke was able to, he works for a company that values their, their customers and trust their agents. Yeah. Like how many times have you, are we still recording? Oh, it's okay. How many times, how many times have you heard of people? Um, having the leak and they have to wait a week or two weeks for the adjuster to come out and then mold has set in. State farm gives them the authority to start writing those checks. Right. So that the owner can get people in to

David Haghighi: 9:56

start doing the work. You know, I think it's interesting. It's probably a Testament to why state farm is still writing policies in California. Because if you know about the current insurance climate, it's very hard to get policies on any property that's nearby, open space. Literally, if you're, if you haven't been dropped, you're going to be. Yeah, I'm a candidate for that. So hopefully knocking on the real wood. Yeah. But essentially, um, it's just a really hard time to insure property in California because of the fire climate. And because of the, the losses that insurance companies have paid out and it's all a game for them, with their billions and trillions and,

Christina Smith: 10:32

and, you know, insurance companies, I think get a bad rep. Real estate agents get a bad rep and it used to be back in the day that you had your family insurance person and they covered you for everything life auto. And if you had a problem, you went straight to that person. And that is not the case. Now you're on the phone, you're talking to five different people. You're being transferred from one to the other.

David Haghighi: 10:56

It's like a representation of how impersonal business

Christina Smith: 10:59

has been normally and personal. And if you watch those state farm commercials, which I don't think. Do their PR their, their company justice. What they say is, listen, you're calling the same person. You're talking to the same person. You're not going to fight different people. That's

David Haghighi: 11:16

accountability. Yeah. And, uh, also there's a term which I really like, it's Amazon fulfillment, fulfillment. Right? Because you can promise things, but until you actually deliver what you promised that fulfillment company. Isn't there and that's where Amazon has thrived in that, you know, they may not have the best price, but you're sure going to find it and you're going to get it when they say you're going to get it.

Christina Smith: 11:42

Yeah. But some, some things cheapest, isn't always best, you know? Well, that's why

David Haghighi: 11:46

the Amazon sellers, you know, they have a variety of sellers on there. Right. And that's why you only really trust the Amazon lawns, the rest of them, you know,

Christina Smith: 11:54

Yeah. I mean something that's worth the extra money. And I would say insurance is one of them because no one can predict when something's going to happen. But when it does, the last thing you want to be doing is dealing with a crappy insurance

David Haghighi: 12:09

company. Oh man. I can think of some stories that my clients have told me over the years

Christina Smith: 12:14

and some

David Haghighi: 12:14

situations. So, you know, obviously. After watching this video and seeing the desperation that this woman must have felt in order to jump out of a window, a second story window, right. Uh, you know, that. It says a lot. I mean, I'm sure there've been lots of people who've been in a similar situation and not jumped out the window and perished. So, you know, it's kind of a leap of faith. Yeah.

Christina Smith: 12:41

It's fight or flight it's, you know, what are you going to do to save yourself and save your, your baby? And that was her only option. And the fact that their situation was made less tragic because Luke and his team stepped in to help them is. It's an, it's a very heartwarming

David Haghighi: 13:02

situation. I just think like a pregnant woman is going to jump 100% of the time. Everybody else is, you know, stuck in their own head of self-worth and, and all these issues that we're having these days. And, uh, you know, it's probably 50 50 whether or not the. Well,

Christina Smith: 13:19

I'm sure he has a lot more stories, so we will bring him back on if you're interested in getting a quote from him or just speaking to him, I'm going to put his contact information in the show

David Haghighi: 13:30

notes. The best part is that those group discounts, when you combine auto and home, I, I know, um, I should be doing. Mr Dix, you can reach out to me. Um, send me a text message though. No emails about insurance. I tried to keep that stuff out of my

Christina Smith: 13:48

information.

David Haghighi: 13:50

Um, but I will tell you, it is a hot topic of conversation, this insurance thing. So we're going to have to bring him back to get some opinions on what the heck is going to happen in Califor.

Christina Smith: 14:02

I'll have him on the show, his wife messaged me to get breakfast the other day. So,

David Haghighi: 14:06

so you maintain these relationships that ultimately amount in food, free food? Well, I mean, for them, I hope, you know, it depends if they're, if they're your client, I always have that weird thought. Like, is this my client? Or should we be splitting this check? You know, I always want to pay for the tax reduction, but it's kind of weird sometimes because sometimes they want my business and they should be buying me lunch.

Christina Smith: 14:29

I think you need to hold them to a higher standard. You need to get more food, David. Yeah. My,

David Haghighi: 14:33

my wife said yesterday, I think like only dealing with the boss and I said, you know, me too, boss. Well, you know, she's dealing with, uh, logistics. High school teaching. And so, you know, you can deal with a hierarchy of people who are like gatekeepers for the next guy up and dealing with the bosses incredibly valuable. Yeah. But I liked dealing with the boss too. I don't think anybody doesn't like dealing with the boss. Uh, the question is in that brief period of time, you get to talk to the boss. What are you going to say?

Christina Smith: 15:07

I don't like dealing with the boss.

David Haghighi: 15:09

That's why I'm here to deal with.

Christina Smith: 15:12

Well, thanks for joining us and tune in next week. For another episode of real estate is crazy and

David Haghighi: 15:19

go save some money on insurance guys for sure. Have a great day. Bye.