00:00:00
I get a you know we start making videos
00:00:03
about homeowners insurance in Florida
00:00:06
and in California we've been making
00:00:08
these homeowners insurance videos for
00:00:10
the last few years okay many of you guys
00:00:11
have seen it I just made one four months
00:00:13
ago about the California homeowners
00:00:16
insurance and what's going to be taking
00:00:17
place Rob FAIR Plan yeah it's called the
00:00:20
California insurance time bomb that I
00:00:23
did from four months ago if you just go
00:00:25
type in California insurance Time Bomb
00:00:26
you'll see it that came up and just put
00:00:28
bed David just put bed David you'll see
00:00:30
come up um right there zoom in a little
00:00:32
bit right that's how long ago four
00:00:33
months ago okay and it explains what's
00:00:36
about to happen with homeowners
00:00:37
insurance in the state of California so
00:00:40
watch this my pastor who married my wife
00:00:43
and I he runs a church 20,000 members
00:00:46
you met him we went Universal Studios
00:00:48
with d love him everybody who knows him
00:00:50
loves him right I'm checking on him and
00:00:53
his family to make sure everything is
00:00:54
right and he says for 38 years he's been
00:00:58
paying homeowners insurance always on
00:01:00
time this is a responsible man you know
00:01:02
solid Guy Family Guy great guy one of
00:01:05
the top five man that's has influenced
00:01:07
my life directly okay and he says just
00:01:11
last week just last week this is before
00:01:15
the
00:01:15
fires I got a notice last week that they
00:01:18
are dropping my
00:01:20
coverage okay that they're dropping my
00:01:22
coverage last week now I'm not going to
00:01:24
give the insurance companies names all
00:01:26
I'm telling you is you know there's a
00:01:28
lot of names State Farm farmers Liberty
00:01:30
there's a bunch of them that you can go
00:01:31
through that are out there that are
00:01:33
dropping it all state it's all over the
00:01:35
place right that this is this is a real
00:01:37
story that's going on okay the question
00:01:39
he asks which is the question you know
00:01:42
we asked on the video is here's the
00:01:43
following he says he's not worried about
00:01:45
himself he says but what happens if
00:01:47
after you are in your home and the rates
00:01:49
get so high you can't afford it
00:01:52
anymore th the loan company call the
00:01:55
loan do they repossess your house State
00:01:58
F stop writing new policies for house
00:02:00
insurance alt together in California a
00:02:01
few years ago and that's a few years ago
00:02:04
and now California's politicians are
00:02:07
forcing insurance companies to insure
00:02:10
houses in areas that are high- risk and
00:02:12
insurance companies are saying no why
00:02:14
would I do it I'm leaving your state so
00:02:16
here's where the problem is going to
00:02:19
lie so imagine how many people lost
00:02:22
their homeowners insurance and then just
00:02:24
this just happened how are you fixing a
00:02:26
house who has and by the way how much
00:02:28
you think these houses are in Califoria
00:02:30
multimillion dollar but in California
00:02:32
you're not a multi it's not like the
00:02:34
multi-millionaire people think it's like
00:02:36
oh he's a you
00:02:38
know what do you call it Woods can James
00:02:42
Woods can pay and bu James Woods is is
00:02:45
an 8 million dollar guy at 77 years old
00:02:49
he's been acting for a long time and you
00:02:51
lose the house and if you don't have
00:02:53
insurance what the hell are you doing
00:02:55
and forget about you don't have
00:02:56
insurance how long do you think this the
00:02:58
part that Adam Corolla
00:03:00
broke it down which was phenomenal the
00:03:03
way he broke it down that's a six-minute
00:03:04
video it's worth everybody watching
00:03:06
we're not going to play the whole six
00:03:07
minutes but here's what he said he says
00:03:09
okay what are you going to do when all
00:03:12
of a sudden all of these Malibu people
00:03:14
right there he's saying that he's doing
00:03:15
a podcast out of a Rob if you can
00:03:17
personally listen to it and go to
00:03:19
the this is where he starts talking
00:03:22
about um people voting Democrat and how
00:03:24
that's going to change in the future but
00:03:25
I don't think that's the portion that's
00:03:26
not where I'm going don't worry about
00:03:28
I'm just saying you know it's fine so
00:03:30
this is this is where he's going he says
00:03:32
what are you going to do when all of
00:03:35
these rich people in the Palisades in
00:03:38
Malibu in Pasadena Pasadena's got a lot
00:03:40
of rich communities Pasad has got 2030
00:03:42
million homes so what are you going to
00:03:43
do when these guys their house is burned
00:03:46
down what what is a rich person going to
00:03:48
do you know what go expedite the process
00:03:51
getting a permit oh really he says it's
00:03:54
going of take he says the reason why
00:03:55
Bill M finally flipped in California is
00:03:58
because of a damn
00:04:00
you know solar he wanted to put on his
00:04:02
house that it took so long it's like why
00:04:04
did it says we created a thousand day
00:04:06
countdown yes to see how long it's going
00:04:08
to take for the solar to go on so
00:04:10
finally when he's talking to the other
00:04:11
actress what's the actress that was on
00:04:13
just Jane five weeks ago Jane fond
00:04:15
you're not seeing the problem with all
00:04:16
these permits so watch what happened one
00:04:18
of the reasons why we left Oakland Park
00:04:20
is we're trying to get a damn permit for
00:04:22
fence two years 2 and A2 years for one
00:04:25
permit when and then and then go and
00:04:28
amplify that with all of these Builders
00:04:31
how many Builders do you have in
00:04:33
California so now somebody says Hey I
00:04:35
want my permit and he's saying this
00:04:38
person that's a you know lesbian working
00:04:41
there giving permits all this stuff is
00:04:43
going to sit there and use her power to
00:04:44
make it harder for you to get the permit
00:04:46
now you're going to realize why
00:04:48
deregulation is the way to go Liberals
00:04:50
are going to realize the power of
00:04:52
deregulation because regulations are
00:04:54
slowing so much down and he's
00:04:56
absolutely right because what now takes
00:04:58
place is I rebuild a house hey I'm
00:05:02
willing to build $5 million to rebuild
00:05:04
my house great let's go wait for a
00:05:06
permit no no I need you to start
00:05:08
building out it's not how this works we
00:05:09
need a permit so the line for permits
00:05:13
imagine the line for permits what that's
00:05:15
going to look so then imagine what
00:05:16
permits are going to be put on pause so
00:05:19
there's so many other permits right now
00:05:20
that are pending so imagine you want a
00:05:23
permit right now the city now has to
00:05:24
decide which permit is more important
00:05:27
imagine the fights that are going to
00:05:29
take place in cities of wanting permits
00:05:31
he says that's when you realize it's
00:05:32
going to take three years until they put
00:05:34
the first break where they first for
00:05:36
first come in break and start building
00:05:38
your house three years after you trying
00:05:40
to get a permit he says that's when
00:05:41
people are going to realize Liberals are
00:05:43
going to realize what the f are we
00:05:45
voting for and he's 100% right by the
00:05:47
way you know you know who would be a
00:05:49
good candidate I think if right now I'm
00:05:52
sure the way Trump works like this he
00:05:54
doesn't work slow he wants to find out
00:05:56
Solutions you know who could be a guy
00:05:58
just texted him earlier today to
00:05:59
whispered this to him I don't know if
00:06:00
he's going to want to do it or not there
00:06:02
needs to be already a bunch of people
00:06:04
being thought about of running over
00:06:06
there and it's not going to be a guy
00:06:07
that you think about a a nomin I'd be
00:06:10
making a list of 20 names right now for
00:06:12
us to make a phone call and saying hey
00:06:13
what do you want to do with California
00:06:14
and it's got to be somebody that can win
00:06:16
both sides Zachary Levi was on Jesse
00:06:18
Waters yesterday giving his perspective
00:06:20
on what's going on I just sent him a
00:06:21
message here a minute ago a person like
00:06:24
that there's going to be so many people
00:06:25
right now that are going to get a knock
00:06:26
and saying hey are you thinking about
00:06:28
doing something you're Hollywood guy
00:06:30
you're California base you love this
00:06:32
place are you thinking about doing
00:06:33
something are you thinking about doing
00:06:35
something this is going to be a season
00:06:37
this is probably the worst season ever
00:06:38
if you thought Justin Trudeau resigned a
00:06:40
week ago imagine the amounts of
00:06:43
pressures he is going to get and not
00:06:46
from Trump not from conservatives not
00:06:49
from those people you know when it flips
00:06:52
when people who gave you money that are
00:06:54
on your side Liberals are going to say
00:06:56
hey Nome it's time yep you're out step
00:07:00
the F aside this is ridiculous what's
00:07:03
going on right now I think that's where
00:07:05
it's going to go where California is
00:07:07
going to be like this is this is a
00:07:09
little bit too much and by the way that
00:07:10
could take a year or two or three years
00:07:12
but that day is coming in the meantime
00:07:15
guess what that doesn't fix you know
00:07:17
what it doesn't fix let's just say you
00:07:18
get somebody else that's going to be on
00:07:19
the red okay that's going to have better
00:07:21
policies that's going to say
00:07:22
deregulation that's going to say speed
00:07:24
things up how many people can afford to
00:07:26
wait 3 four five years not a how many
00:07:28
people can AFF for to pay the homeowners
00:07:30
insurance do you know why so many people
00:07:33
are moving to Nevada they're moving to
00:07:35
Nevada because of this mess Mark wber
00:07:38
goes straight to Nevada so many people
00:07:39
are out like I'm out of here yes Texas
00:07:41
is grown because of people from
00:07:43
California you know and it's not just
00:07:44
the rogans and a musk we went to Texas A
00:07:47
lot of people are going to Texas Florida
00:07:49
you're going to see things happening in
00:07:50
the state of California hasn't happened
00:07:52
before but even to get there they're
00:07:54
still going to be paying the next 12 24
00:07:57
36 months all because of this guy's bad
00:08:00
policies Tom and I'll put some stats
00:08:02
behind it so I'm not going to mention
00:08:04
any everything that we talked about
00:08:06
Dudley I'm not talking about any
00:08:08
companies that he mentioned I'm just
00:08:10
looking at facts facts State Farm and
00:08:12
all state stop selling Insurance because
00:08:15
of the California fair plan and Governor
00:08:17
Nome fact State Farm announced last year
00:08:20
they would non-renew 30,000 policies and
00:08:23
what they called ready for this Wildfire
00:08:27
risk areas and you're thinking middle of
00:08:29
nowhere Big Bear up in the forest nope
00:08:32
guess what they non-renewed here's the
00:08:34
stat Pat State Farm non-renewed
00:08:38
69% of the policies it had in Pacific
00:08:43
Palisades data point this morning
00:08:45
confirmed State Farm said last year
00:08:49
we're non-renewing
00:08:50
69% of the homes we ensure currently
00:08:53
today in Palisades why long-term brush
00:08:56
risk and poor management of the the
00:08:59
common area you can't blame them you
00:09:02
cannot blame them I know you're not but
00:09:03
what I'm saying is you cannot blame the
00:09:06
business has to make profits and when
00:09:08
The Regulators make their life a living
00:09:10
kill and make them look bad what do you
00:09:11
want us to do take a loss every year
00:09:13
correct now I'm going to the punchline
00:09:15
why did they do that because the County
00:09:17
of LA and the City of La had
00:09:21
suspended brush removal in
00:09:24
Palisades this comes down to the the
00:09:27
county are you joking yeah you find it
00:09:29
you can find it was suspended here
00:09:31
casual brush removal suspended here
00:09:33
limited brush removal suspended here
00:09:35
this is all going to come out because
00:09:37
exactly Trump said he got to clean the
00:09:39
floor and the floor that's exactly right
00:09:41
and who did by the way to his credit
00:09:43
what do you say you said get smarter
00:09:45
people in the room with you who did he
00:09:47
Praise You know the people in Finland
00:09:49
have had policies and they've been doing
00:09:50
this for a while so he's not saying hey
00:09:52
I'll fix it he's saying you know this
00:09:54
problem has been solved there's another
00:09:55
case study we have it they did it why
00:09:57
don't we learn from them and fix it
00:09:58
that's exactly right and so I'm not down
00:10:00
on the insurance companies I'm saying
00:10:01
the insurance companies are at the
00:10:03
bottom of the waterfall and at the top
00:10:05
of the waterfall is the state with their
00:10:08
policies and budget cuts on on fire and
00:10:11
brush suppression and all the things
00:10:13
that they've done despite the level of
00:10:15
taxes they're collecting and now they
00:10:18
collect the tax they have the money
00:10:20
prices of homes are way up so property
00:10:22
tax is up but what are they doing with
00:10:24
the money Pro homeless programs
00:10:27
Sanctuary City programs are wasting the
00:10:29
money on
00:10:31
noncitizen spends citizen spends you're
00:10:34
keeping the the valleys and the areas
00:10:37
clear of brush and you're working on
00:10:38
that non-citizen spend you have all
00:10:41
these pet Dei projects that's the
00:10:43
Upstream problem the money was spent on
00:10:46
other stuff I just don't think that uh
00:10:48
Gavin Nome was going anywhere you
00:10:50
compared him to Justin Trudeau I think
00:10:51
he's the Justin Trudeau of California I
00:10:54
think his ego is so much bigger and I
00:10:57
still think he has his eye on 20 28 I
00:11:00
think that's just who he is
00:11:02
so you know you said that bad policies
00:11:05
have
00:11:06
consequences I I constantly just go back
00:11:08
to what Dan santis is doing in Florida
00:11:11
versus what Nome is doing in California
00:11:14
so you know when when Dan santis got
00:11:16
reelected he said come to Florida where
00:11:19
woke goes to die and we all know that in
00:11:23
California this is where woke goes to
00:11:25
live and prosper and it comes down to
00:11:28
policy versus personality and you need
00:11:32
to figure out and and and get someone in
00:11:35
office in California that cares more
00:11:38
about what needs to be done than what
00:11:39
feels good so common sense policies the
00:11:42
guy that's going to take over V trau is
00:11:44
likely to be this guy Pierre POV and the
00:11:47
one thing that he keeps saying when
00:11:48
they're like what are you gonna do what
00:11:49
are you gonna do he's like common sense
00:11:52
just common sense Common Sense
00:11:54
conservatism and we're just going to do
00:11:55
things that are common but as we've
00:11:57
learned common sense is not that common
00:11:59
okay you know I one last thing yeah put
00:12:03
up a map of Cal of the United States I
00:12:05
feel like I'm living in the in the movie
00:12:07
my cousin Vinnie now uh Rob go to the
00:12:10
California what's that thing all the way
00:12:12
next to California Rob no no just right
00:12:14
there on the map right where you were I
00:12:16
know it's what is it water it's water
00:12:19
it's a huge ocean it's not like you're
00:12:21
living in Kansas do you remember the
00:12:23
scene in my cousin Vinnie when he's like
00:12:24
are these magic grits and the guy's like
00:12:27
hey the be the bean the being suck he
00:12:30
goes uh uh what What's this uh he's like
00:12:33
oh that's a that's a window okay now
00:12:35
when you saw out the window what's in
00:12:37
front of the window uh uh trees now what
00:12:40
are all these little things near the
00:12:42
trees leaves and bushes there's a
00:12:46
humongous ocean next to California it
00:12:50
sound like you're in the Bread Basket of
00:12:51
the country and you're in Kansas or in
00:12:53
Oklahoma how are we going to get water
00:12:54
here you're on an ocean and what what
00:12:57
what you said I loved what you said
00:12:58
yesterday pbd we have the brightest
00:13:00
brains we have startups we have
00:13:01
entrepreneurs Silicon Valley you're
00:13:03
telling me if you invested $22 billion
00:13:06
like they did in the homeless project
00:13:07
that yeah went nowhere you gave that to
00:13:10
a a startup they couldn't figure this
00:13:13
out but no well we'll see we'll see
00:13:15
what's going to happen here uh Tupac his
00:13:18
song To Live and Die in I was that's
00:13:21
what I used to think of La now when I
00:13:22
think of to live in dying La you might
00:13:25
just go down in a forest fire yeah okay
00:13:28
so listen to all the people in
00:13:30
California our prayers are with you and
00:13:34
probably the best part I liked about
00:13:35
what James Wood said I think when he was
00:13:37
on Fox or I don't know if it was CNN or
00:13:39
Fox he said listen we're realizing with
00:13:42
this fire and all my neighbors all of us
00:13:44
helping each other out nobody cares if
00:13:45
you're a Republican or a Democrat these
00:13:47
moments bring everybody together because
00:13:50
you realize the value of your neighbor
00:13:51
and your community and I saw that with
00:13:53
Laura Ingram this morning we're
00:13:55
announcing limited edition hats because
00:13:59
inauguration is on the 20th not this
00:14:02
Monday but it's the following Monday
00:14:05
these hats are hats that we've been
00:14:07
working on having for a while it's the
00:14:11
4547 futur looks bright hat with the
00:14:13
American flag on the side and the VT
00:14:16
logo on the side and it's numbered and
00:14:17
if you look at the um inside it's the
00:14:20
the limited edition ones are the only
00:14:22
ones where you see future look Sprite
00:14:23
everywhere on the on the inside and
00:14:25
they're numbered one out of 50 these are
00:14:27
going to go for 99
00:14:29
99 these will go in no time and they'll
00:14:31
sell on eBay we see them all the time
00:14:33
for 500,000 2,000 some of them sell for
00:14:35
$3,000 this will go for no in no time
00:14:37
the 250 numbered in no time okay now
00:14:40
there's matching shirts that comes with
00:14:43
this okay with 4547 future looks bright
00:14:45
with the American flag on the back with
00:14:47
value tment Rob has the one with white
00:14:50
4547 on it if the camera can zoom in on
00:14:53
Rob okay Vinnie's got the one with the
00:14:55
gray if you can put this over there uh
00:14:57
Vinnie with you and he's got the sweater
00:14:59
so we have the shirt the sweater and
00:15:01
then there's addition these are the
00:15:02
numbered ones then we have these
00:15:04
additional ones that's
00:15:05
4547 uh red white and blue this is not a
00:15:10
lot of Supply but here's what we're
00:15:12
doing the shirts are also here with it
00:15:14
for those of you that are proud that
00:15:17
this Victory took place and you
00:15:19
supported him and you believe the future
00:15:21
looks bright and you like all these you
00:15:23
know challenges he's putting out there
00:15:25
with folks reacting saying wait a minute
00:15:27
we should call Golf of Mexico golf of
00:15:28
America yes what's going on with
00:15:30
Greenland all these policies coming up
00:15:32
with if you support him and you support
00:15:35
value tainment you might want to go get
00:15:36
the skier and anything you purchase
00:15:38
today we just made this announcement 30
00:15:40
minutes ago I had a call with our VP
00:15:42
Finance Tom and Chris from March 100% of
00:15:47
all purch guys we're going to have
00:15:48
probably one of the biggest that's going
00:15:50
to be the biggest day of 2025 in
00:15:52
purchases today because we've been
00:15:53
working to launch these hats in a long
00:15:56
time the
00:15:57
4547 100%
00:15:59
of purchases made all day today 24 hours
00:16:03
will go to families that are being
00:16:05
affected by the fires in California by
00:16:07
the way we're not giving the money to a
00:16:10
charity and then hey here do whatever
00:16:13
you want to do with it we want families
00:16:15
that are being affected you're saying
00:16:16
somebody your your mother lost us I'm
00:16:18
getting stories that are coming in right
00:16:20
now with it just doesn't make sense
00:16:22
what's going on there the worst fire
00:16:24
they've had ever in Southern California
00:16:27
people are being decimated devastated
00:16:28
stated stories people that build houses
00:16:31
that have been living there for 20 30 40
00:16:33
years generationally living in pal
00:16:35
palates are being affected by it but I'm
00:16:37
talking average day-to-day families
00:16:39
folks that are affected send us a story
00:16:42
man whatever other way you want to get a
00:16:43
hold of us if there's stories that we
00:16:44
want directly hearing those testimonies
00:16:47
whatever we sell today 100% is going to
00:16:51
families affected by the fire in
00:16:53
California so if you watch value Tim you
00:16:54
watch pbd podcast you're a fan of this
00:16:58
whatever you purchase you're not just
00:16:59
purchasing that and I'm not saying
00:17:01
profits 100% of Revenue today for Merch
00:17:05
not just profit that could be a very big
00:17:06
number 100% of Revenue is going to go to
00:17:08
families in California amen support the
00:17:10
cause uh I lived there for 24 years of
00:17:13
my life everywhere I've lived I've never
00:17:15
lived in a place more than California
00:17:17
it's a very special place for me I have
00:17:18
some of my favorite people in the world
00:17:20
that live over there some of my favorite
00:17:21
memories over there I got married in
00:17:23
California two my boys were born in
00:17:24
California Tom and I met in California
00:17:26
my wife and I met in California
00:17:28
relationships follow those memories uh I
00:17:30
want to make sure we do our part to
00:17:32
support those in California thank you
00:17:35
for your support if you enjoy this video
00:17:36
you want to watch more videos like this
00:17:38
click here and if you want to watch the
00:17:39
entire podcast click here
00:17:45
[Music]
