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Insure It with Rock Realty · Ask The Experts

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Speaker 1: Eight thirty two thirteen ten Wi b A and ask
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Speaker 1: the experts. Brought to you by Rockrealty Online. Rock Wisconsin
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Speaker 1: dot com. That's ro c k with Wisconsin dot com.
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Speaker 1: Great website and resource to learn more about Rockrealty. Of course,
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Speaker 1: the telephone number six so eight six seven three fifty
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Speaker 1: four hundred. That's six h eight six seven three fifty
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Speaker 1: four hundred. Joined in studio this morning. I'm mister Matt Heyman,
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Speaker 1: a Rockrealty Matt. How you doing this week?
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Speaker 2: Doing good?
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Speaker 3: How are you?
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Speaker 1: I'm doing really well. We've got a lot of stuff
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Speaker 1: to cover. We've got a guest in studio, will introduce
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Speaker 1: in just a moment. But first and foremost featured listing.
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Speaker 1: A beautiful home KENL Moraine Drive. A fantastic home as
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Speaker 1: a matter of fact, right right in kemel O Rain
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Speaker 1: Drive in Whitewater, which is a fantastic area. I was
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Speaker 1: just in Whitewater over this past weekend for a bit
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Speaker 1: fun area. Three bedroom, three bath, this scot it really
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Speaker 1: got it all at four seventy five.
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Speaker 2: Matt.
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Speaker 1: It's a really nice listing. Yeah it is.
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Speaker 4: It's got a lot of curve appeal too, Brick. It's
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Speaker 4: got you know, open concept inside that.
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Speaker 2: I really like.
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Speaker 4: You know, some wood floors and yeah that kitchen, I
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Speaker 4: don't know if you had a chance to look at it,
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Speaker 4: but uh, yeah, we got painted cabinets. Really it's just
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Speaker 4: very modern looking, very open and spacious like a lot.
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Speaker 1: Oh that is absolutely fantastic. And again right in Whitewater
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Speaker 1: on Kettle Moraine Drive at north seventy eight eleven Kettle
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Speaker 1: Moraine Drive and Whitewater. Ashley is the featured agent, the
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Speaker 1: listing agent on that one. And of course you can
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Speaker 1: give Ashley a call nine two zero five five nine
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Speaker 1: thirteen thirty four. That's nine two zero five five nine
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Speaker 1: one three three four And with this, uh, with this
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Speaker 1: feature listing this week, Matt. As I look, I see
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Speaker 1: some see some nice trees and some other You're in
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Speaker 1: a nice little neighborhood, a little just kind of.
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Speaker 4: Like a country setting. I mean it even has a
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Speaker 4: deeded access to to Rice Lake.
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Speaker 1: What I didn't see that I did not see serious five.
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Speaker 4: Bedrooms, so oh washing you know it can be your
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Speaker 4: crap shop. You can do a little workout room.
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Speaker 1: Oh what that is absolutely fantastic. Again, great time to
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Speaker 1: give Ashley a call, say I want to check out
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Speaker 1: this house in Whitewater again, five bedrooms, three bath, twenty
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Speaker 1: three hundred square feet for just four hundred and seventy
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Speaker 1: five thousand. Dashley giver her a call this morning. Nine
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Speaker 1: two zero five five nine thirteen thirty four. That's stick.
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Speaker 1: Nine two zero five five nine thirteen thirty four. We'll
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Speaker 1: talk a little bit more on our featured listening coming
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Speaker 1: up a little bit later on in the program. And Matt,
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Speaker 1: you brought friends along this week or a friend in particular.
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Speaker 1: Voice that's familiar to folks on this station, Charles Bush.
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Speaker 4: Charles Bush, Evolve Insurance Solutions been on one other time,
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Speaker 4: but we got them in studio today.
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Speaker 1: Charles, welcome back to the program.
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Speaker 2: Thanks for having me back on.
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Speaker 1: It's really good to see you. And we've got we're
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Speaker 1: going to talk about homeowner's insurance, what it is, why
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Speaker 1: it's needed, other aspects of it, add things you can add.
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Speaker 1: I'm like flood insurance, a lot of things. But before
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Speaker 1: we get to that, just kind of an overall view
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Speaker 1: of Evolve the insurance agency and what you guys do
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Speaker 1: at Evolve Insurance Solutions, and for folks that may not
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Speaker 1: be familiar with you, let's talk a little bit about
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Speaker 1: your background and a little bit about the business.
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Speaker 2: Sure. Yeah.
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Speaker 3: Evolve Insurance Solutions is one hundred percent veteran owned independent
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Speaker 3: insurance agency. We partner with several different highly rated insurance
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Speaker 3: companies to basically shop through and find you the best option.
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Speaker 2: So we found just having a.
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Speaker 3: Variety of carriers to fit the different needs definitely is helpful,
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Speaker 3: especially in this hard insurance market that we've been in
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Speaker 3: for quite some time now.
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Speaker 1: Is that would that be like a broker? Is that
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Speaker 1: the term that am?
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Speaker 2: I think it's on the different phone brokers?
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Speaker 1: Ok?
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Speaker 2: Yeah, that would be an accurate description.
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Speaker 3: And like we basically work with seventeen direct companies for
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Speaker 3: personal lines and then over forty.
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Speaker 2: For commercial lines.
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Speaker 3: So very helpful, especially when you're trying to find a
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Speaker 3: good program for you know, the different clients or you
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Speaker 3: know whatever it ends up being.
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Speaker 1: So and folks can for example, you know, you think
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Speaker 1: of like an insurance agent, they work for an insurance
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Speaker 1: company and they're going to sell that particular company's product.
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Speaker 1: Working with you at Evolve Insurance Solutions, Charles, you're able
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Speaker 1: to kind of shop around and look for am I
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Speaker 1: Am I understanding that correctly? Yeah?
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Speaker 3: And that's you know, that's super important right now in
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Speaker 3: this hard market because there's some carriers that are.
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Speaker 2: Really increasing premiums.
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Speaker 3: I just ran into one the other day with a
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Speaker 3: captive company that just sells kind of like what you're
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Speaker 3: talking about. And I won't say the company, but they
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Speaker 3: just sell that company, and the home home policy was
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Speaker 3: like forty three hundred dollars a year for you know,
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Speaker 3: five six.
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Speaker 2: Hundred thousand covered. So that is, you know, that's insane.
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Speaker 3: And what we can do is we can shop that
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Speaker 3: out see if there's anybody else out there that's more competitive.
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Speaker 3: We're also seeing a lot with wind hail deductibles being
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Speaker 3: kind of high, and so finding you know, ones that
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Speaker 3: you know can be a good fit. Not having an
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Speaker 3: eight nine, ten thousand dollars whin hail deductible can also
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Speaker 3: be helpful fuying something a little bit lower, like a
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Speaker 3: thousand or twenty five hundred.
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Speaker 1: I'm down in Edgerton and the song of the summer's
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Speaker 1: been contractor hammers putting new roofs on on homes. And
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Speaker 1: I can't imagine the insurance companies right now the types
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Speaker 1: of checks that they're writing, but I do know that
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Speaker 1: that's substantial and we'll talk to about as we have
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Speaker 1: Charles Bush and studio with us this morning, talk a
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Speaker 1: little bit about for homeowners and people prospective homeowners what
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Speaker 1: they need to know and Matt I talk about and
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Speaker 1: one of the great things but getting a chance to
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Speaker 1: talk with you each and every week, is you've got
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Speaker 1: a network of people that you work closely with, obviously
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Speaker 1: other agents at Rock Realty internally, but also outside. We've
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Speaker 1: had some really great folks that you brought in that
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Speaker 1: you partner with quite a bit at Rock Realty, and
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Speaker 1: that says a lot is having a relationship with for example,
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Speaker 1: as we're talking this morning with Charles, having a relationship
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Speaker 1: with somebody in the insurance side of things can really
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Speaker 1: help especially I think it like first time home buyers
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Speaker 1: can really help them build a relationship that it was
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Speaker 1: someone that they trust a little bit of background.
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Speaker 4: Yeah, definitely. I mean when you've been in real estate
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Speaker 4: for twenty plus years and you know you've tried out
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Speaker 4: many other people in any companies, you know you find
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Speaker 4: the best ones. And we're really happy to be partnered
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Speaker 4: with Charles. We've you know, all of our clients tend
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Speaker 4: to get the better coverage and actually pay less for it.
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Speaker 4: So whenever you can, you know, find that combination and
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Speaker 4: have the flexibility. Even myself, you know, we've we've switched
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Speaker 4: carriers ourselves through Charles, right because he's always finding you know,
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Speaker 4: who's offering the best rates and the best coverage at
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Speaker 4: the current time. And with the insurance market changing so
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Speaker 4: much recently, it's really important that you have someone that's
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Speaker 4: actively looking for you.
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Speaker 1: With with with if you're buying a home, do you
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Speaker 1: need and I'll start with you, Matt, and then we'll
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Speaker 1: go over to Charles. Do you absolutely need insurance on
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Speaker 1: a new home? I know obviously you should, but do
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Speaker 1: you have.
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Speaker 4: If if you're buying in cash, you do not have
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Speaker 4: to have an insurance policy. However, if you have any
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Speaker 4: sort of financing involved, the lender is going to want
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Speaker 4: to make sure that they have that multiple hundreds of
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Speaker 4: thousands of dollars insured. Yeah, so that it just doesn't
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Speaker 4: get wiped off the map on them. Yes.
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Speaker 1: And Charles, do you work with a lot of first
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Speaker 1: time home buyers, other folks that have questions? You know,
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Speaker 1: folks that that may not I know most purchases involved
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Speaker 1: some type of mortgage. I'm guessing you work with a
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Speaker 1: lot of those folks and helping them find those things.
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Speaker 1: What's that like? That experience like for especially for a
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Speaker 1: first time home buyer, kind of walking them through that
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Speaker 1: how insurance and homeowner insurance works. It's got to be
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Speaker 1: a great experience for you.
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Speaker 2: Oh yeah, we love it. You know.
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Speaker 3: We get to go through a lot of you know,
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Speaker 3: new home buyers. They don't know what they don't know,
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Speaker 3: so we get to go through and set them up
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Speaker 3: the right way, go through what's important to them, what
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Speaker 3: they want for coverage. Not everybody's the same when it
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Speaker 3: comes to coverage, some you know, and not every home
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Speaker 3: is the same, you know, so we can set up
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Speaker 3: a time to go through, customize and really find, you know,
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Speaker 3: a fantastic fit for the new home buyer. The nice
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Speaker 3: thing too, is we can really explain what everything covers, so,
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Speaker 3: you know, should there be a loss, so they kind
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Speaker 3: of have that piece of mind knowing, hey, I remember
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Speaker 3: buying this writer for this coverage and I'm protected. So
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Speaker 3: that's you know, when the rubber meets the road, do
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Speaker 3: you have the coverage you need?
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Speaker 1: Is that something that people should maybe spend a little
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Speaker 1: more time on. I feel like a lot of times,
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Speaker 1: and the reality is that we're all looking to save
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Speaker 1: a little bit of money. But it seems like people
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Speaker 1: are just like my, my, the bank that has my mortgage,
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Speaker 1: this is what they require for for my insurance, and
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Speaker 1: they just kind of stop. There is this something that
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Speaker 1: that there's a great value to maybe looking at other
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Speaker 1: additional coverages or fully understanding what that coverage is that
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Speaker 1: that you're that you're paying for, oh one.
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Speaker 3: Hundred percent and and you know a lot of folks
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Speaker 3: in the Edgutate and Evantil area, yea kid probably attests
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Speaker 3: to this with all the hail and the massive hailstorm
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Speaker 3: that we had. Not every insurance policy is built the
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Speaker 3: same way. Some you know, have ACV endorsements on the
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Speaker 3: roof coverage. Some have one percent wind hail deductibles.
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Speaker 1: Uh.
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Speaker 3: Some you know, I really paid for the good coverage,
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Speaker 3: still have a matching endorsement that actually covers the undamaged
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Speaker 3: part of the roof or siding.
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Speaker 2: So you know, it can.
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Speaker 3: Really make a claim goal a lot easier when you
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Speaker 3: have better coverage built in and you're not fighting back
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Speaker 3: and forth with the insurance company.
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Speaker 4: I will say that, Yeah, Charles Charles has certain terms
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Speaker 4: that he'll mention yes, thank you. So the neat thing
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Speaker 4: is Charles can explain kind of, you know, the layman's
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Speaker 4: terms as well. And you know, especially in the hail thing,
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Speaker 4: he had just described these different things to me as like,
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Speaker 4: you know, what what does it mean when it's percentage?
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Speaker 4: What does it mean when it's ACV. So what's the
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Speaker 4: difference between those two again.
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Speaker 2: Charles sure?
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Speaker 3: So what actual ACV or actual cash value stands for.
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Speaker 3: Is it going to give you a depreciated payout. So
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Speaker 3: if you have a fifteen or twenty year old roof,
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Speaker 3: you're probably not going to get much of a payout.
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Speaker 2: Now, if you had replacement costs on.
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Speaker 3: That roof, they would pay to replace the roof, so
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Speaker 3: you got to watch out for that. A lot of
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Speaker 3: companies are just going flat out actual cash value or ACV.
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Speaker 3: Some are going to some sort of what's called a
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Speaker 3: payment schedule, which is similar to actual catch value, but
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Speaker 3: they do look at the age of the roof and
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Speaker 3: they decide, hey, at this age, this is.
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Speaker 2: The percentage payout that we will do for this, you know.
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Speaker 3: So it's important to know what you have in that
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Speaker 3: way too, you can plan for the future. If you
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Speaker 3: know you can't get replacement cost coverage, maybe you should
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Speaker 3: start budgeting roof replacement in the next five.
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Speaker 2: Or ten years.
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Speaker 1: A friend of mine down the road, they are I
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Speaker 1: think it's about twenty thousand dollars out of pocket that
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Speaker 1: they're paying to replace their roof is a fifteen twelve
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Speaker 1: years old and it's the insurance isn't isn't covering And
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Speaker 1: one of those, as you point out, Charles, one of
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Speaker 1: those questions you should probably be aware of before you've
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Speaker 1: got to write that check, save yourself that frustration. Another
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Speaker 1: term you used endorsements. What is an endorsement in the
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Speaker 1: insurance industry?
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Speaker 3: So typically an endorsement is going to add or take
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Speaker 3: away coverage. Most of the time it adds coverage. Most
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Speaker 3: policies come kind of basic, and then you endorse on
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Speaker 3: the different types of coverages that you want to have.
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Speaker 3: There's a lot of really cool endorsements out there these days.
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Speaker 3: So I would say you should review your insurance if
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Speaker 3: you haven't done it in the last four or five years,
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Speaker 3: you'd be kind of surprised some of the coverages that
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Speaker 3: are out there, and maybe even some of the changes
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Speaker 3: that have happened to your policy, whether it's wind, hail, deductibles,
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Speaker 3: ACV endorsements, actual cash value endorsements where you're getting it,
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Speaker 3: to appreciate it, payout should there be a claim for
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Speaker 3: wind or hail on your roof super important, just to
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Speaker 3: know what you have should it claim it?
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Speaker 1: Curve talking this morning with Charles Buysch and of course
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Speaker 1: Matt Heiman. Of course, Matt comes to us from Rockrealty
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Speaker 1: Online Rock Wisconsin dot com. That's roz k Wisconsin dot com.
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Speaker 1: Charles comes to us from Evolve Insurance Solutions. There tel
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Speaker 1: for number six So eight two zero three six four
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Speaker 1: six four five four is is their number? Is that
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Speaker 1: the best number to reach you? Gett't that look there?
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Speaker 2: That's actually my cell but that is for you as well.
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Speaker 1: That's the perfect numbers. What's the best for folks that
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Speaker 1: are looking to reach the office. What's the best way
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Speaker 1: to reach you? Charles?
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Speaker 3: That number is six eight six eight eight eight six
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Speaker 3: six seven and then just hit option one and we
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Speaker 3: get the first available agent.
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Speaker 1: Oh beautiful website too. I haven't had a chance to
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Speaker 1: ask you. Of course, everybody's online these days.
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Speaker 3: Oh absolutely, so that's sometimes a better way and more
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Speaker 3: streamlined way to requests a quote. It's www dot EI
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Speaker 3: s WI dot com again www dot EI s WI
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Speaker 3: dot com and then you can just click on requests
12:34
Speaker 3: to quote. We streamline it. We try to turn around them,
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Speaker 3: you know, as quick as we can.
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Speaker 1: What as you were mentioning earlier, actual cash value talked
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Speaker 1: about replacement cost value. I did see a note here
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Speaker 1: all about guaranteed or extended replacement cost. What are we
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Speaker 1: talking there? Where's that world come into play?
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Speaker 3: Sure, so every policy should also have some kind of
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Speaker 3: extended replacement cost in it, meaning you should elect for
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Speaker 3: it because you never know what's going to happen. What
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Speaker 3: that does is a build a buffer in with inflation,
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Speaker 3: which we've all kind of seen hit across the economy,
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Speaker 3: increased costs of things coming in, whether it's imported from
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Speaker 3: different countries, and maybe tariffs are on causing the prices
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Speaker 3: to go up. Whatever the climate is, you want to
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Speaker 3: have that buffer. Whole area gets hit, that's going to
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Speaker 3: increase the labor costs, it's going to increase material costs,
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Speaker 3: all of that. So it gives you, I would say,
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Speaker 3: what guarantee replacement cost is? They are guaranteeing to replace
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Speaker 3: that home should a loss happen, so it could be
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Speaker 3: double the value and they're still going to replace it.
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Speaker 3: What's more common is like an expanded replacement costs or
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Speaker 3: extended replacement costs, where you build in a buffer of
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Speaker 3: say twenty five additional percentage or fifty percent above that
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Speaker 3: dwelling limit you set and it just gives you that
13:52
Speaker 3: little buffer. Should it cost a little bit more than
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Speaker 3: you anticipated, or things change, you know, prices go up
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Speaker 3: a little bit, and may you hadn't adjusted your policy
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Speaker 3: up yet to meet with those new costs.
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Speaker 1: Talking this morning, of course with Matt Heytman of Rockreels
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Speaker 1: realt and of course we've gos got Charles Bush along
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Speaker 1: this this week. He is the owner of Evolve Insurance Solutions.
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Speaker 1: You can learn more online EI s Wi dot com.
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Speaker 1: That's EI s Wi dot com. First, you can learn
14:20
Speaker 1: more about Rockrealty on their website, Rock Wisconsin dot com.
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Speaker 1: That's Rock R O C K Wisconsin dot com. TELF
14:26
Speaker 1: number six oh eight six seven three fifty four hundred.
14:28
Speaker 1: That's six oh eight six seven three fifty four hundred.
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Speaker 1: We'll continue our conversation with Matt and Charles. We will
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Speaker 1: do that next as ask the experts with Rockrealty continues
14:36
Speaker 1: right here in thirteen ten WU I b E eight
14:40
Speaker 1: fifty thirteen ten WI b A and ask the experts
14:43
Speaker 1: with Rockrealty online Rock Wisconsin dot com. That's Rock r
14:47
Speaker 1: O c K Wisconsin dot com. Telp number six oh
14:49
Speaker 1: eight six seven three fifty four hundred. That's six oh
14:52
Speaker 1: eight six seven three fifty four hundred, talk about this
14:55
Speaker 1: week's featured listing and just a moment of course, Ashley
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Speaker 1: is the featured agent on that telphone number nine two
15:00
Speaker 1: zero five five nine thirteen thirty four. That's nine two
15:03
Speaker 1: zero y five nine thirteen thirty four. We'll get into
15:06
Speaker 1: the featured listing and get a little review a little
15:09
Speaker 1: bit later on in this segment. Joined in studio this morning,
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Speaker 1: of course by Matt Heytman of Rock Realty, as well
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Speaker 1: as Charles boysch is, the owner of Evolve Insurance Solutions
15:17
Speaker 1: online Eiswi dot com. That's eis Wi dot com. I'm
15:23
Speaker 1: learning a little bit about homeowner's insurance and you use
15:27
Speaker 1: that term endorsements. Does flood insurance count as an endorsement
15:30
Speaker 1: or is that something that's totally separate.
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Speaker 3: Charles, So that is something that's totally separate. The only
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Speaker 3: really you know, well, there's a couple endorsements that you
15:39
Speaker 3: could put on that could cover water. Water backup is
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Speaker 3: a common one where it'll cover if the some pump
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Speaker 3: can't keep up and water comes in through the sum.
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Speaker 3: We saw a lot of them in Milwaukee recently fortunately,
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Speaker 3: and then also sewer backup if that comes in unfortunately,
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Speaker 3: also saw that in Milwaukee.
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Speaker 2: Bat'll cover kind of those specific things.
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Speaker 3: Now, if it's a flood, then you need an actual
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Speaker 3: flood policy, okay, and that's something we can definitely help
16:05
Speaker 3: with as well.
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Speaker 1: But those are different. So, like a flood, standing water
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Speaker 1: outside my home is different from water coming into my correct.
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Speaker 3: So just think if the water comes over the top
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Speaker 3: of the foundation, that's kind of considered a flood. Also,
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Speaker 3: if they usually will define it or declare whether it's
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Speaker 3: a flood or not with FEMA or you know, you
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Speaker 3: know whatever department does that, I think it's like FEMA
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Speaker 3: that will say, hey, we've had you know over I
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Speaker 3: think an inch of water in a three square mile
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Speaker 3: or three square acres or something like that, it's considered
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Speaker 3: a flood. So by the terminology, if it's considered a flood,
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Speaker 3: it comes over the top of the foundation. You definitely
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Speaker 3: want to have that flood policy if you want coverage
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Speaker 3: for that, or if you're in an area that could
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Speaker 3: be prone to that.
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Speaker 1: And I hear the term floodplain a lot. Does that
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Speaker 1: mean like, if I've got a mortgage and I'm in
16:51
Speaker 1: a quote unquote flood plane, does that mean that I
16:54
Speaker 1: my mortgage company or my lender is probably going to
16:56
Speaker 1: require some type of coverage for that Or am I
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Speaker 1: miss understanding what that may or how that may matter?
17:03
Speaker 2: That's correct.
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Speaker 3: I mean there's all sorts of flood planes, but if
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Speaker 3: you're in a high risk flood plane and you're getting
17:09
Speaker 3: a mortgage, you will need to get flood insurance. So
17:12
Speaker 3: nice thing is we work with both FEMA back and
17:15
Speaker 3: private flood insurance companies that are Fanny and Freddie may
17:19
Speaker 3: you know compliant. It's good to have both because then
17:22
Speaker 3: you can see who's going to be, you know, with
17:24
Speaker 3: something that is required the most competitive.
17:26
Speaker 1: It looks like you want to get on that.
17:27
Speaker 4: Yeah, So you know a lot of our agents will
17:30
Speaker 4: actually ask, you know, well, how how do I find
17:33
Speaker 4: out if this isn't a flood plane?
17:35
Speaker 2: Right?
17:35
Speaker 4: Just to be sure, right, because sometimes it'll mention it
17:38
Speaker 4: in the listing. Sometimes I won't. So a lot of
17:39
Speaker 4: times it's it's best if we can check on the
17:41
Speaker 4: back and so we're actually able to call Charles, give
17:43
Speaker 4: them an address, and he'll tell me, oh, this is
17:45
Speaker 4: this is the degree of risk you're at if you're
17:48
Speaker 4: going to make an offer on this property. And so
17:50
Speaker 4: it kind of gives yourself an eyes wide open moment
17:53
Speaker 4: with your buyers.
17:54
Speaker 1: Is that unique, Charles you get obviously with the folks
17:57
Speaker 1: that Rock Realty? Is that unique that that folks would
17:59
Speaker 1: call you on something like that? I mean real estate agents. Y.
18:03
Speaker 3: I like to do it because it's an extra value
18:06
Speaker 3: added thing I can do for them. And then and
18:08
Speaker 3: then their buyers, No, they know whether or not they're
18:10
Speaker 3: in a flood zone. It's important because with the online
18:14
Speaker 3: and the searching and the googling and the chatchyet you know, t.
18:17
Speaker 2: Being and all of that.
18:18
Speaker 3: Yeah, you know there there's sometimes a disconnect there. And
18:21
Speaker 3: I've seen I've seen buyers like, hey, this is this
18:25
Speaker 3: isn't in a seventy or eighty percent flood zone in it?
18:28
Speaker 2: You know? Or this is my flood score?
18:30
Speaker 3: Like no, you need to get a flood zone determination
18:33
Speaker 3: that'll tell you whether or not, you know, if you've
18:35
Speaker 3: got a mortgage you need to have flood insurance or not.
18:37
Speaker 3: And I've seen a lot of times where it says, oh,
18:39
Speaker 3: this isn't a high risk area. No, it's only an X,
18:41
Speaker 3: it's not in something that would require that you know,
18:44
Speaker 3: mortgage back flood insurance.
18:45
Speaker 1: Are there, Charles, Are there some insurance companies that that
18:48
Speaker 1: and I obviously they all treat things their own separate way,
18:51
Speaker 1: but are there some that for example, if I am
18:53
Speaker 1: in one of these areas where there is a higher
18:56
Speaker 1: flood risk, that there may be a company out there
18:58
Speaker 1: that that you may able to work with that might
19:01
Speaker 1: handle something like that a little bit better than another one.
19:04
Speaker 1: Like you understand what some of them may specially not
19:06
Speaker 1: necessarily specialize, but maybe more forgiving in some of these areas.
19:10
Speaker 1: As far as pricing and other things.
19:12
Speaker 3: There's definitely some differences in pricing in appetite when it
19:18
Speaker 3: comes to areas. Sometimes if you're in the middle of nowhere,
19:21
Speaker 3: like a protection Class ten is what they call it,
19:23
Speaker 3: it can be challenging to get covered. So everybody will
19:26
Speaker 3: rate you up. But there may be like two or
19:28
Speaker 3: three carriers. They're like, oh no, we're we're fine with
19:30
Speaker 3: protection Class ten and here's your rate. It's twelve or
19:33
Speaker 3: fourteen hundred dollars for your policy. Same thing would go
19:37
Speaker 3: with you know, water areas. You know, some are I've
19:40
Speaker 3: found that some private flood insurance, depending on the makeup
19:45
Speaker 3: and how it's set up, you know, if it's on
19:47
Speaker 3: a river or something like that, but it's farther back,
19:49
Speaker 3: they sometimes can look fantastic on the rate, whereas if
19:52
Speaker 3: the you know, the foundation backs right up to the water,
19:55
Speaker 3: it's a little bit different story. So yeah, every case
19:58
Speaker 3: is a little bit different and can kind of y
20:00
Speaker 3: depending on appetite when it comes to underwriting and the
20:03
Speaker 3: insurance company.
20:04
Speaker 4: Might be talking about my situation. We had a we
20:06
Speaker 4: had an old building in Stoughton that was off of
20:11
Speaker 4: a river, but it wasn't touching the river. So yeah,
20:13
Speaker 4: we were actually to find a fairly reasonable policy due
20:16
Speaker 4: to that, but took looking and shopping a few different carriers.
20:19
Speaker 4: And that's what's so nice about working with Charles and
20:21
Speaker 4: Evolve insurance solutions. You can find that you know, cheaper
20:25
Speaker 4: but great coverage option.
20:26
Speaker 1: So I'm just thinking about cast Cast the line from
20:29
Speaker 1: your back window. You might be a little too close.
20:31
Speaker 4: Well, the backyard was only like three foot to the river.
20:36
Speaker 1: I see a term here, a special form or h
20:40
Speaker 1: O three. Does that mean anything to you, Charles? Is
20:42
Speaker 1: that is that something in your industry that that matters?
20:45
Speaker 1: Or is that something on a on a on a
20:47
Speaker 1: AM I talking about a different area here.
20:49
Speaker 2: No.
20:50
Speaker 3: H O three is a special open perils coverage, which
20:53
Speaker 3: basically means your policy is covered for everything minus what
20:56
Speaker 3: specifically excluded on it.
20:59
Speaker 2: I would say that's becoming.
21:00
Speaker 3: More and more standard, or maybe you know the standard
21:03
Speaker 3: in the industry. You can find some older policies that
21:06
Speaker 3: are like eight you know, that don't cover all perils.
21:11
Speaker 3: You want to have special apparels covered because what it
21:13
Speaker 3: also does is put the burden of proof on the
21:15
Speaker 3: insurance company, meaning, hey, they have to prove it wasn't covered,
21:19
Speaker 3: versus the burden of proof is on the insured. They
21:22
Speaker 3: got to prove it was covered, and they can get
21:24
Speaker 3: a little challenging, and you know, especially if.
21:26
Speaker 2: You've got to hire lawyers and all that stuff.
21:28
Speaker 3: I'd say the most important thing is kind of what
21:30
Speaker 3: we talked about earlier, the expanded replacement costs or the
21:33
Speaker 3: H five that just gives you a better product. It
21:35
Speaker 3: gives you a little peace of mind, a little buffer
21:37
Speaker 3: if something should happen and you need a little.
21:40
Speaker 2: Bit extra coverage to bring you home.
21:42
Speaker 1: And talking of this morning with Charles Buysch is the
21:44
Speaker 1: owner of Evolve Insurance Solutions. Telephone number to get a
21:47
Speaker 1: hold of Charles A six eight eight eight six nine
21:51
Speaker 1: five zero seven. Even easier online EI SWI dot com.
21:55
Speaker 1: That's EISWI dot com. Speaking of getting online, hope you've
21:59
Speaker 1: had a chance. I don't. Over to Rock Wisconsin dot
22:01
Speaker 1: com check out this week's featured listing that Ashley hasn't Matt.
22:04
Speaker 1: I did get a chance during the break to go
22:06
Speaker 1: online and look at some more of these pictures, and wow,
22:10
Speaker 1: this is not only is it beautiful from from the outside.
22:13
Speaker 1: I am amazed as I'm looking at the inside photos.
22:16
Speaker 1: How they whoever the architect was the designer of this home.
22:20
Speaker 1: It's it is. It seems like five times as large
22:22
Speaker 1: on the inside. It does it. It's a it's a miracle.
22:25
Speaker 1: It's pretty amazing.
22:26
Speaker 4: Yeah, it's it's definitely not a cookie cutter kind of house.
22:30
Speaker 4: It's really neat INSIDEA between the painted cabinets and you
22:33
Speaker 4: know the open concept and the tall walls. It's just
22:37
Speaker 4: a really neat property. It's N seven eight to one
22:41
Speaker 4: one Kettle Marine Drive, and yes that means that it
22:44
Speaker 4: is just minutes away from Kettle Marine out in white Water.
22:48
Speaker 4: So really large two.
22:51
Speaker 2: Car garage too.
22:51
Speaker 4: It's pretty much looks like two and a half cars,
22:54
Speaker 4: but brick exterior and five bedroom.
22:57
Speaker 2: Three bath.
22:57
Speaker 4: I mean this is this has got everything.
23:00
Speaker 1: He looks and a workshop in the basement. So there's
23:02
Speaker 1: that little something for everybody. Ashley's telephone numbers say hey,
23:06
Speaker 1: I want to see this beautiful home. Telephone number nine
23:08
Speaker 1: two zero five five nine thirteen thirty four. That's nine
23:11
Speaker 1: two zero five five nine thirteen thirty four. Of course
23:15
Speaker 1: you can check it out. Also check it out also
23:17
Speaker 1: online Rockwisconsin dot com. That's r ock Wisconsin dot com.
23:22
Speaker 1: Matt Charles, great to see both of you guys. Have
23:24
Speaker 1: a great day.
23:25
Speaker 2: You too, Sarah too.
23:26
Speaker 1: Vicky McKenna has your chance to win one thousand dollars
23:28
Speaker 1: next right here on thirteen ten wuib i