Latest / WCHS Network Podcasts / 07/17/2026 Ask the Expert with Capital Insurance Group

Transcript

07/17/2026 Ask the Expert with Capital Insurance Group · WCHS Network Podcasts

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  Speaker 1: The views and opinions expressed on this program do not
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  Speaker 1: necessarily reflect the views and opinions of five eight WCHS
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  Speaker 1: it's employees or WVRC Media.
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  Speaker 2: And a very pleasant good morning to you. A happy Friday.
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  Speaker 2: You've made it to the end of the week. I'm
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  Speaker 2: del Cooper. You're listening to ask the expert on WCHS
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  Speaker 2: the Voice of Charleston. Beautiful day out there and welcoming
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  Speaker 2: into the studio. He's back from Capital Insurance Group. Don
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  Speaker 2: Wilson is here with us this morning.
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  Speaker 1: Don.
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  Speaker 2: Good morning, how you doing this morning?
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  Speaker 3: Good morning, Dale? Doing great? How about you?
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  Speaker 2: So I'm doing very well. Appreciate you coming in to
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  Speaker 2: share some of your expertise once again this morning. If
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  Speaker 2: if we cover any topics and you have any questions
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  Speaker 2: for Don. Don always reveals some interesting perspectives with insurance,
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  Speaker 2: gives you some expert knowledge that you didn't have before
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  Speaker 2: the show. I promise that I'll learn ever something every
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  Speaker 2: time we do the show. Threes are A four three
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  Speaker 2: four five fifty eight fifty eight is our number three
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  Speaker 2: zer A four three four five fifty eight fifty eight.
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  Speaker 2: You can also find more information online at CIGWV dot com.
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  Speaker 2: CIGWV dot com. Well, good morning, Don, how you doing.
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  Speaker 2: How's thing's been going on?
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  Speaker 4: Things have been good, Man, doing great, doing little travel
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  Speaker 4: and then you know, glad to be back after a
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  Speaker 4: month off from the show because of my travel schedule,
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  Speaker 4: and you know, excited to get this show started and
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  Speaker 4: be back in the studio with you.
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  Speaker 2: Yeah. Man, it's always a good time. We always enjoy
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  Speaker 2: having it in and we have all kinds of things
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  Speaker 2: that we want to talk about this morning. If if
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  Speaker 2: you have anything on your mind that's insurance related, or
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  Speaker 2: if we say so, because Don always reveals something that
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  Speaker 2: might make you think, oh h really, I didn't know that.
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  Speaker 2: If you have like kind of one of those aha
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  Speaker 2: moments for a moment you want to call Don and
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  Speaker 2: maybe get a little bit more details or how that
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  Speaker 2: applies to your situation, call us this morning, and that's
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  Speaker 2: what we're here for. Three zero four three four five
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  Speaker 2: fifty eight fifty eight three four five fifty eight fifty eight,
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  Speaker 2: and then you can text over any questions you have
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  Speaker 2: the three zero four none three five five zero zero
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  Speaker 2: eight three zero four nine three five five zero zero eight.
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  Speaker 2: We're going to talk about some flood insurance this morning.
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  Speaker 2: We're going to talk about maybe some other structures that
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  Speaker 2: you have on your property, making sure that you have
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  Speaker 2: the proper types of coverage for contents and things. We're
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  Speaker 2: gonna cover a wide spectrum this morning, but you can
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  Speaker 2: help control that conversation as well. At three zero four
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  Speaker 2: three four five fifty eight fifty eight. First of all, all,
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  Speaker 2: don I know that you wanted to give a shout
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  Speaker 2: out to some folks that Capital Insurance Group supports. Uh
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  Speaker 2: kind of an important call, uh callback here with the
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  Speaker 2: World Cup.
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  Speaker 4: Yeah, I've been watching the World Cup. I saw landon
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  Speaker 4: Donovan's you know quote and it kind of went viral
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  Speaker 4: about making soccer affordable. So, you know, our one of
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  Speaker 4: our biggest partners and our mission you know is youth sports,
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  Speaker 4: but one of our largest partners is West Side Soccer.
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  Speaker 4: You know, probably in my opinion, you know, my humble opinion,
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  Speaker 4: the best uh you know, rec League soccer organization and
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  Speaker 4: uh in the county, if not the state, and uh,
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  Speaker 4: you know, we partner with them trying to make soccer
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  Speaker 4: affordable for everyone. You know, we sponsored the uniforms and
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  Speaker 4: have done so and have made a ten year commitment
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  Speaker 4: to them. You know, it's you know, it all goes
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  Speaker 4: back to keeping those dollars within you know, this county
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  Speaker 4: and with this city and moreover the state. You know,
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  Speaker 4: and you support us, you support you know a ton
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  Speaker 4: of useful or to activities, responsor all the team, a
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  Speaker 4: lot of the teams of John Adams and teams of
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  Speaker 4: Nitro Capital High you know, we we really try to
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  Speaker 4: give back to the community. But you know, with soccer
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  Speaker 4: being so prevalent, I want to give my guys at
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  Speaker 4: West Side Soccer a big shout out, you know, because
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  Speaker 4: they run a great organization. They make uh you know,
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  Speaker 4: to have scholarships. You know, we're thankful for that partnership
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  Speaker 4: and wanted to just give them a shout out.
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  Speaker 2: Yeah, that's great stuff. And of course, uh it is
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  Speaker 2: true any travel ball, but soccer, these things that they
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  Speaker 2: can get kind of expensive. One of the ways you
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  Speaker 2: can maybe shave a little bit of of money off
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  Speaker 2: of your budget and save some money is looking at
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  Speaker 2: your insurance because as you well, as you highlight every
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  Speaker 2: time that you come in here, there are ways to
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  Speaker 2: be not quote unquote cheaper insurance. Although it might be
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  Speaker 2: less expensive, but you can better insure yourself and maybe
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  Speaker 2: uh dot some of those eyes across some of those teas.
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  Speaker 2: Let's start with with flood insurance as one of those
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  Speaker 2: as one of those things, because I know that we've
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  Speaker 2: talked about that quite a bit in this area. Of course,
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  Speaker 2: it seems like we've been going through cycles of drought
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  Speaker 2: and then tons of water drought, tons of water, so
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  Speaker 2: that could be a big issue here in this area.
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  Speaker 2: We redrew the flood plains ten years ago, so with
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  Speaker 2: a big historic flood of twenty sixteen, so the properties
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  Speaker 2: have elevated into flood areas. Now this is an important topic.
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  Speaker 4: Yeah, you know there's more. You know, flood zones of extended.
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  Speaker 4: You know, private market flood is you know becoming prevalent,
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  Speaker 4: and you know resource and tool that consumers now have
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  Speaker 4: access to. You don't have to be stuck with the
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  Speaker 4: FEMA flood. Not the FEMA flood's a bad thing, but
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  Speaker 4: it can just be a lot more expensive and dealing
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  Speaker 4: with a professional licensed agent like myself, independent license agent
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  Speaker 4: like myself can help you. We've seen some holes with coverages,
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  Speaker 4: you know, some things that you know agents have gotten
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  Speaker 4: used to doing. You know, one of the big things
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  Speaker 4: is you buy a home for two hundred thousand dollars, right,
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  Speaker 4: and the agent gives you two hundred thousand dollars of
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  Speaker 4: coverage on your flood with a five thousand dollars deductible,
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  Speaker 4: so that means, heaven forbid, your house is you know,
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  Speaker 4: in total loss as a result of a flood, you're
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  Speaker 4: going to owe the bank five thousand dollars and as
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  Speaker 4: a result of that, and you know, we do things
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  Speaker 4: a little different at Capital Insurance Group. We make sure
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  Speaker 4: that you're covered at least twenty forty, if not fifty
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  Speaker 4: thousand dollars above the purchase price. And people listening, what
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  Speaker 4: does that do for you?
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  Speaker 3: Right?
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  Speaker 4: You know, Heaven forbid if the flood does, it's a
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  Speaker 4: total loss, and as a result of a flood event,
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  Speaker 4: you're going to get you know, thirty forty fifty thousand
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  Speaker 4: dollars as a result of that, as opposed to and
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  Speaker 4: pay off your loan. Right, the bank's going to be
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  Speaker 4: paid first, obviously, But if you just get flood insurance
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  Speaker 4: for the amount of your loan right in those first three,
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  Speaker 4: four or five years, as you know, those that you
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  Speaker 4: don't eat into that principle too much on a loan
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  Speaker 4: those first four or five years, you could be upside down,
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  Speaker 4: or having an event where you're still cutting a check
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  Speaker 4: after having such a catastrophic event occur to your family.
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  Speaker 2: Yeah, and there's a lot of I mean that just
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  Speaker 2: makes sense. First of all, I mean, you never want
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  Speaker 2: to have something be right up against you know, with
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  Speaker 2: no margin of error. And I mean material as that
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  Speaker 2: we've experienced a the last especially a decade or so,
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  Speaker 2: materials increase in costs. If you're looking to replace your
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  Speaker 2: home in ten years that you've built in twenty sixteen,
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  Speaker 2: or in twenty thirty six that you built in twenty
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  Speaker 2: twenty six the materials aren't going to cost the same
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  Speaker 2: that two hundred thousand dollars house is. It's still going
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  Speaker 2: to be a two hundred thousand dollar house.
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  Speaker 4: Exactly exactly. And we were in the first rule of
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  Speaker 4: insurance is indemnity, right to return you back to the
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  Speaker 4: way you were, no better, no worse than before the incident, right,
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  Speaker 4: and if you get the exact same amount. I'm seeing
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  Speaker 4: this a lot, you know, I see it. You know,
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  Speaker 4: I love my mortgage lenders. They do such an amazing
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  Speaker 4: job for the foundation of our country. But you know,
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  Speaker 4: you need an insurance agent involved in that process. And
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  Speaker 4: a competent insurance agent that's going to tell you the truth. Right,
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  Speaker 4: you can't buy a house for two hundred thousand dollars
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  Speaker 4: and put two hundred thousand dollars flood insurance on it.
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  Speaker 3: You need two forty two fifty, you.
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  Speaker 4: Know, two thirty five even, you know, but something above that,
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  Speaker 4: above what the bank's going to get.
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  Speaker 3: We're not.
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  Speaker 4: You're not paying that insurance for the bank. You know,
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  Speaker 4: although you want to cover the bank because you have
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  Speaker 4: a mortgage, right, that's that's your your personal duty, right,
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  Speaker 4: you have responsibility to cover that loan, but you also
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  Speaker 4: have responsibility to yourself, right and to make sure that
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  Speaker 4: you are you know, you know, covered properly, right, and
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  Speaker 4: so that you get some benefit out of the policy
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  Speaker 4: that you're paying for each moment.
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  Speaker 2: Yeah, you bring up a perspective there that I don't
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  Speaker 2: know if it's unique or if more people that when
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  Speaker 2: they're looking at their insurance need to take this perspective.
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  Speaker 2: But I think a lot of people, at least I've
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  Speaker 2: made this mistake before I'm getting this insurance because I
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  Speaker 2: want to make sure that the bank can't come after
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  Speaker 2: me if once if something happens in my car or
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  Speaker 2: my home or whatever it might be, which is true,
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  Speaker 2: but also you need to understand that is also for you.
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  Speaker 2: It's not just because you're doing it for the bank.
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  Speaker 2: You want to make sure that you are going to
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  Speaker 2: be made whole, that you're going to have everything you
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  Speaker 2: need on the back side of things. And the difference
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  Speaker 2: in coverage that you need, using your example of two
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  Speaker 2: hundred thousand dollars, in the difference between that and two
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  Speaker 2: hundred and forty thousand dollars, I'm guessing I don't know
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  Speaker 2: it off the top of my head, is probably not
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  Speaker 2: that much. Seven dollars a month there, you go, right,
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  Speaker 2: So why wouldn't you want to take care of yourself
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  Speaker 2: and not just the bank? It doesn't make any sense.
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  Speaker 4: Yeah, And when you think I've been doing this twenty
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  Speaker 4: years and in twenty years you're ready to deal. I've
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  Speaker 4: never seen another. I've never seen a person come to
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  Speaker 4: us with flood insurance and it not be for their
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  Speaker 4: loan amount.
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  Speaker 2: That's crazy.
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  Speaker 3: I think it's never happened. Now.
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  Speaker 4: My my VP, Chris Spangler, who's a flood expert in
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  Speaker 4: our in our office, he's out of our Huntington office,
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  Speaker 4: you know, he you know he started this principle in
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  Speaker 4: our agency, goes Don. We got to put two forty
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  Speaker 4: five on this. We got to cover other structures, right,
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  Speaker 4: because what if, right, I've never seen another I'm not
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  Speaker 4: you know, I love my agents, they're my guys. I've
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  Speaker 4: never seen another policy come in our doors with other
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  Speaker 4: structures coverage on a flood policy. So what if that
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  Speaker 4: detached garage is the only thing that's flooded and damaged
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  Speaker 4: right in a flood event, right, and you don't have
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  Speaker 4: other structures covered? How do you remediate that? How do
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  Speaker 4: you fix that? How do you recover from that? How
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  Speaker 4: are you indemnified? Well, actually you're not because you don't
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  Speaker 4: have the coverage. If I'm not mistaken, I knew somebody.
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  Speaker 4: I don't know exactly how this played out, but if
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  Speaker 4: I'm not mistaken, it had somebody in my family who
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  Speaker 4: was fouling acclaim after that hell storm that came in,
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  Speaker 4: and with their home owner's coverage, they had four out buildings, right,
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  Speaker 4: and they couldn't get all of them like, they couldn't
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  Speaker 4: make all of those buildings right again because the coverage
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  Speaker 4: was not enough to replace that. Yeah, there's some big
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  Speaker 4: things with hell and windstorms that we do that are
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  Speaker 4: a lot different as well. You know, we can touch
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  Speaker 4: on that as well.
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  Speaker 2: So so the flooding principle would work the same. There,
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  Speaker 2: so the same oversight that they didn't think about. Hey,
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  Speaker 2: I have this, this powered garage that has all my
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  Speaker 2: tools in it. I have this floods. It may be
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  Speaker 2: the only thing that floods in a flood event. And
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  Speaker 2: you didn't put other structures because you were just trying
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  Speaker 2: to get through the loan process, you know, and which
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  Speaker 2: you know, it's everyone's dream to own a home, still
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  Speaker 2: the American dream, but in the process, you want to
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  Speaker 2: make sure that American dream is covered. Well, let's briefly
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  Speaker 2: pivot to talk about other type of damage. They're not
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  Speaker 2: just flood then, because it doesn't match with what we
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  Speaker 2: had in this area here recently with hell damage, same
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  Speaker 2: type of thing. It's not flood insurance. But you want
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  Speaker 2: to make sure that those other structures are covered.
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  Speaker 4: Yeah, and you know one thing that we do, Liberty
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  Speaker 4: Mutual does a great job of it, and so do
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  Speaker 4: many other carriers, but Liberty in particular comes to mind.
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  Speaker 4: So it's the matching of undamaged siding, roofing in windows. Right,
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  Speaker 4: So think about this. Here's your scenario. You have a
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  Speaker 4: hell event or a windstorm event, and let's call it,
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  Speaker 4: twenty five percent or thirty five percent of your roof
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  Speaker 4: is damaged, right, And the roofers are out and they're
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  Speaker 4: given quotes, and of course the quotes are a little
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  Speaker 4: high because it's a it's been a huge event and
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  Speaker 4: everyone needs a new roof, and everybody's panicked, right, as
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  Speaker 4: you should be, because something's happened to your largest tangible possession.
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  Speaker 4: And let's say thirty five percent of roof damage and
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  Speaker 4: that's nine thousand dollars hypothetically. But what about the other
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  Speaker 4: part of your roof that is not covered as a
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  Speaker 4: result of this event, right, potentially not covered, right, because
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  Speaker 4: your roof may have been depreciated. It could be an
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  Speaker 4: older roof.
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  Speaker 3: Right.
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  Speaker 4: So we put on most of our policies matching of
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  Speaker 4: undamaged siding, roofing, and windows, right, because the areas that
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  Speaker 4: aren't damaged, you'd like those to match your new roof.
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  Speaker 1: Right.
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  Speaker 4: I don't want you don't want thirty five percent of
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  Speaker 4: your roof for twenty five percent of your roof. And
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  Speaker 4: I'm not an adjuster, but you know, you don't want
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  Speaker 4: twenty five percent of your roof to be brand new, right,
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  Speaker 4: And typically roofs are depreciated over years. And there's probably
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  Speaker 4: been some other events that didn't cause any damage, right,
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  Speaker 4: but it calls it it it it altered the roofs,
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  Speaker 4: you know, normal and brand new look right. And so
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  Speaker 4: as a result of that, if you don't have un
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  Speaker 4: if you don't have matching of undamaged siding, roof in
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  Speaker 4: or windows, right, those undamaged parts could be excluded from
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  Speaker 4: the coverage. And so we make sure to look at
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  Speaker 4: those things. You know, people call me every single day,
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  Speaker 4: I'm talking ten, twelve, fifteen times a day and I go,
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  Speaker 4: what has you call them? They go, I want a
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  Speaker 4: better price? Well what about better coverage?
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  Speaker 3: Right?
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  Speaker 4: And you know I always tell people it's a lot more.
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  Speaker 4: It's a bigger savings for me to add a twenty
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  Speaker 4: thousand dollars covered event than it is for me to
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  Speaker 4: save you twenty five dollars a month.
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  Speaker 2: Yeah, that's a great way to look at it. And
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  Speaker 2: you only have to tap into one of those things
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  Speaker 2: once really and and uh and plus the peace of
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  Speaker 2: mind that it gives you on top of that regardless,
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  Speaker 2: So I mean, it's it's it's such a great, great
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  Speaker 2: perspective to have to make sure that you're fully covered.
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  Speaker 4: And as you say, it only costs you, you know,
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  Speaker 4: ten twelve is only going to be ten dollars to
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  Speaker 4: endorse that twelve dollars to endorse it. I'd rather spend
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  Speaker 4: that one hundred and fifty bucks and have an extra
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  Speaker 4: twenty thousand dollars covers and save you know, ten dollars
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  Speaker 4: a month.
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  Speaker 2: Man. That is such a great point. As we're talking
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  Speaker 2: about other structures and stuff as well, and like like
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  Speaker 2: you said, that can come pass all kinds of days.
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  Speaker 2: It could be a garage, could be an outbuilding, gazebos,
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  Speaker 2: something that you have out there just to sit and
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  Speaker 2: drink your coffee on. But also a lot of times
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  Speaker 2: we put things in those so you have your power
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  Speaker 2: tools that are in one of the outbuildings that you have,
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  Speaker 2: or maybe you have a collectibles building where you have
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  Speaker 2: something like that in it. Another thing that people might
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  Speaker 2: want to make sure that they have is not just
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  Speaker 2: their principal property dwelling materials covered, but everything.
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  Speaker 3: They want to cover everything. And again I've not.
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  Speaker 4: Seen a flood insurance policy with coverage B, which is
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  Speaker 4: other structures or coverage C which is personal property included
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  Speaker 4: on the policy. I'm talking twenty years man. You know,
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  Speaker 4: I haven't seen it one time. Wow, to think about that,
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  Speaker 4: I've walked to somebody walks in and goes, I need
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  Speaker 4: a new flood policy. Give me a new quote, don
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  Speaker 4: and it has you know, it's just a loan amount
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  Speaker 4: one hundred two hundred thousand dollars and then there's no
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  Speaker 4: other coverage and a five thousand dollars deductible. So you
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  Speaker 4: have one hundred ninety five thousand dollars in coverage and
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  Speaker 4: your personal belongings aren't protected, Your other structures aren't protected.
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  Speaker 4: And quite frankly, you're not protected. The bank is, and
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  Speaker 4: the bank's grateful for that, and you should cover the bank.
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  Speaker 4: But you should also cover yourself and the things that
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  Speaker 4: are near and dear to your heart.
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  Speaker 3: You know, those.
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  Speaker 4: Electronics, that furniture, you know, all of your all your clothing. Right,
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  Speaker 4: what if that stuff gets damaged in a flood event
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  Speaker 4: and you didn't your agent didn't advise you because you
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  Speaker 4: didn't know to do it right, to add personal property
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  Speaker 4: to your flood policy.
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  Speaker 2: It does it matter? For example, I have a neighbor
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  Speaker 2: that created a she shed out of out of basically
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  Speaker 2: a drive in detached garage. A couple of years ago,
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  Speaker 2: are alley flooded and then water got into that garage
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  Speaker 2: via the alley. I don't know what his situated, I
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  Speaker 2: don't know any about it, but it made me think
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  Speaker 2: on that type of situation. If you're covered, but you
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  Speaker 2: have a detached building that gets flooded, is the contents
• 14:06
  Speaker 2: and that going to be covered?
• 14:08
  Speaker 3: The cover se on there? Yeah?
• 14:09
  Speaker 4: None, There's some things obviously, you've got like a huge
• 14:12
  Speaker 4: amount of collectibles, right, you got your bourbon collection out there,
• 14:15
  Speaker 4: your gun collection. That could be you know, an event
• 14:18
  Speaker 4: that an adjuster could look at and you know, take
• 14:20
  Speaker 4: a different approach. But for the most part, if you've
• 14:22
  Speaker 4: got personal property on the home, on the flood policy
• 14:25
  Speaker 4: and there's a flood event, right, that stuff's going.
• 14:27
  Speaker 3: To be covered.
• 14:28
  Speaker 2: I just can't imagine somebody who thinks that they were covered,
• 14:31
  Speaker 2: that they did all the things right, and they have
• 14:34
  Speaker 2: a catastrophic event that happens to them. Maybe they can
• 14:36
  Speaker 2: get their structure taken care of and have it rebuilt. Okay,
• 14:39
  Speaker 2: that's great, But not a single thing that they've lost
• 14:41
  Speaker 2: within the houses covered, or or such a small fraction
• 14:44
  Speaker 2: of it, and suddenly you find yourself without you know,
• 14:47
  Speaker 2: comforts that you were used to at one point.
• 14:49
  Speaker 3: That's an event of crisis.
• 14:50
  Speaker 4: Yeah, you don't want to and I always tell people
• 14:52
  Speaker 4: I've been saying this for twenty years. You want to
• 14:53
  Speaker 4: pre plan that crisis plan, right, and everybody wants to
• 14:57
  Speaker 4: coverage after the event happens. Right, So we want to
• 14:59
  Speaker 4: make sure that you know, if you have flood insurance,
• 15:01
  Speaker 4: you're listening out there, your own a secondary residence or
• 15:04
  Speaker 4: your primary residence is in a flood zone, you know,
• 15:07
  Speaker 4: feel free to stop by, you know, or call us.
• 15:10
  Speaker 3: You know.
• 15:11
  Speaker 4: We can go line by line through your flood policy.
• 15:13
  Speaker 4: And we have a technology that will put your current
• 15:16
  Speaker 4: documents in to a system side by side with the
• 15:20
  Speaker 4: quote that we're proposing, so that you can kind of
• 15:22
  Speaker 4: see the pros and cons, right, we give it to you, honest,
• 15:25
  Speaker 4: We're not going to you know, try to sugarcoat things,
• 15:27
  Speaker 4: but we're going to make sure that you see a
• 15:29
  Speaker 4: side by side comparison or where you're currently at, you know,
• 15:31
  Speaker 4: for whatever price that is to what we're going to offer.
• 15:34
  Speaker 2: And that's great information and It really gives you some
• 15:36
  Speaker 2: confidence going into any of these discussions that you have
• 15:39
  Speaker 2: all the information that you need. We'll take a break
• 15:41
  Speaker 2: here and when we come back, we still have things
• 15:42
  Speaker 2: we're going to talk about. For one thing, whenever you're
• 15:45
  Speaker 2: looking into how to budget correctly and things to do
• 15:48
  Speaker 2: to help you pay off your debts, how to save
• 15:50
  Speaker 2: a little bit of money every month, one of the
• 15:51
  Speaker 2: top tips that you always see is to shop your insurance.
• 15:54
  Speaker 2: Make sure that your insurance rates are okay, because a
• 15:57
  Speaker 2: lot of people leave them out there for a long time.
• 15:59
  Speaker 2: You get your insuran and years later you're still paying
• 16:01
  Speaker 2: the same rate. You haven't looked at anything now that
• 16:04
  Speaker 2: could be a problem, but not with Capital Insurance Group,
• 16:06
  Speaker 2: and we'll explain why when we come back. A very
• 16:08
  Speaker 2: smart program that they have that they can help you
• 16:11
  Speaker 2: with there, and if you have any questions in the meantime,
• 16:12
  Speaker 2: you're welcome to give us a call threes or a
• 16:14
  Speaker 2: four three four five fifty fifty eight three four five
• 16:16
  Speaker 2: fifty to fifty eight. We're going to talk a little
• 16:17
  Speaker 2: bit about the Wishop program when we come back. Also,
• 16:19
  Speaker 2: what having an independent agent working for you, why that
• 16:22
  Speaker 2: makes a difference. We're going to discuss those things and
• 16:24
  Speaker 2: anything that you want to talk about. When we come back,
• 16:26
  Speaker 2: Don Wilson is here from Capital Insurance Group Online CIGWV
• 16:29
  Speaker 2: dot com. We'll take a break and be back right
• 16:31
  Speaker 2: after this. You're listening to ask the expert. WCHS the
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  Speaker 2: Happy Friday. Once again you're listening to ask the Expert
• 18:21
  Speaker 2: WCCHS the voice of Charles and our expert in studio
• 18:23
  Speaker 2: this morning, Don Wilson. Always love talking to Don Wilson
• 18:26
  Speaker 2: from Capital Insurance Group one line CIGWV dot com CIGWV
• 18:29
  Speaker 2: dot com. We'll give you more details before we get
• 18:31
  Speaker 2: out of here today. You're welcome to give us a
• 18:33
  Speaker 2: call this morning if you have any questions. Three Z
• 18:34
  Speaker 2: are four three four five fifty eight fifty eight. Threes
• 18:36
  Speaker 2: are A four three four five fifty eight fifty eight.
• 18:38
  Speaker 2: You can text three zero of four non three five
• 18:39
  Speaker 2: five zero zer eight. Before we went to the break,
• 18:41
  Speaker 2: I was mentioning how a lot of the places where
• 18:44
  Speaker 2: you look for you know, how to get your budget
• 18:46
  Speaker 2: under control, top tips on how to save some money
• 18:48
  Speaker 2: every month, and stuff like that. Right below like canceling
• 18:51
  Speaker 2: streaming services that you don't need anymore, is checking your insurance.
• 18:54
  Speaker 2: Make sure that you're that you're properly insured. Number one,
• 18:57
  Speaker 2: that you're properly insured so you can save yourself from
• 19:00
  Speaker 2: catastrophic loss at some point. But also to make sure
• 19:02
  Speaker 2: that you know, I mean, if you've been paying your
• 19:04
  Speaker 2: insurance on time for a long time, you have good credit,
• 19:06
  Speaker 2: different things along those lines, your rates might be adjusted
• 19:10
  Speaker 2: in some way, shape or form, and unless you check
• 19:12
  Speaker 2: those things, you're not going to know. And that's one
• 19:14
  Speaker 2: of the things that Capital Insurance Group does do. You
• 19:16
  Speaker 2: never let you let your clients hang and you're always
• 19:18
  Speaker 2: looking for what's going to help them out best.
• 19:20
  Speaker 4: Yeah, what we developed about six or seven years ago
• 19:23
  Speaker 4: is the we shop program man and we enroll each
• 19:26
  Speaker 4: and every one of our clients in the WE Shop program.
• 19:29
  Speaker 4: And what that says is, we're going to look at
• 19:31
  Speaker 4: your renewal every single year, right, and if it goes up,
• 19:35
  Speaker 4: your premiums go up higher than they should.
• 19:37
  Speaker 3: Right.
• 19:38
  Speaker 4: We go back out and we're your personal insurance shoper.
• 19:41
  Speaker 4: Think of Instacart for your insurance. We go out and
• 19:45
  Speaker 4: look for new rates and then we call you back.
• 19:47
  Speaker 4: We just call three clients just this week that all
• 19:51
  Speaker 4: saved over one thousand dollars a year.
• 19:53
  Speaker 3: Wow.
• 19:53
  Speaker 4: And didn't have to change agencies, didn't have to change agents,
• 19:56
  Speaker 4: didn't have to change where they're calling, who's servicing their
• 19:59
  Speaker 4: po It is just the rates change. And then another
• 20:02
  Speaker 4: thing that happens is we add carriers. Right, we have
• 20:05
  Speaker 4: Geico as a new partner, Liberty Mutual is a new partner.
• 20:08
  Speaker 4: We've got a company by the name Eliminade Insurance that
• 20:10
  Speaker 4: specializes in runners and bet and auto and home. You know,
• 20:14
  Speaker 4: we're constantly adding carriers, constantly growing. And the WII Shop
• 20:17
  Speaker 4: program gives you access to a personal insurance professional to
• 20:21
  Speaker 4: do personal insurance shopping for you, to ensure that the
• 20:24
  Speaker 4: insurance companies are doing right by you. Because we work
• 20:27
  Speaker 4: for you, not the insurance carrier.
• 20:29
  Speaker 2: If you think about that, just if you step out
• 20:31
  Speaker 2: of that and look at maybe what your situation is,
• 20:33
  Speaker 2: not you, but the listener out there. Right, if you
• 20:36
  Speaker 2: have a just because we have to make a difference,
• 20:40
  Speaker 2: If you have a captive agent, somebody who works for
• 20:43
  Speaker 2: ACME Insurance and they write only for Acme Insurance is
• 20:46
  Speaker 2: a fine company.
• 20:47
  Speaker 3: There's no doubt they do a great job.
• 20:48
  Speaker 2: But next year when it comes time to look and
• 20:51
  Speaker 2: see if you're if if your policy has changed in
• 20:55
  Speaker 2: any way, if your premiums do increase, there's really nowhere
• 20:58
  Speaker 2: else for you to go. If you're with ACME Insurance,
• 21:01
  Speaker 2: Acme Insurance has the products that they're going to offer you.
• 21:03
  Speaker 2: That may be it the thing with you and with
• 21:06
  Speaker 2: Capital Insurance Group and we shop. You have a great
• 21:08
  Speaker 2: relationship with all these carriers. But if ACME Insurance goes
• 21:11
  Speaker 2: up a little bit and you think it's not proper,
• 21:14
  Speaker 2: you have all these other carriers that you can look
• 21:15
  Speaker 2: forward to to get the same coverage or better even
• 21:18
  Speaker 2: and save money. If that's what it comes to.
• 21:20
  Speaker 4: What I'd like to say is you can't hire a
• 21:21
  Speaker 4: captive agent, right heah, he or she already works for
• 21:25
  Speaker 4: someone acme insurance, right, exactly who's interest And it's just
• 21:29
  Speaker 4: as simple as the dictionary.
• 21:31
  Speaker 3: Right.
• 21:31
  Speaker 4: The dictionary definition of a captive agent is a license
• 21:34
  Speaker 4: representative who represents the interest of an insurance carrier. Think
• 21:39
  Speaker 4: about that, So let me say that again. A captive
• 21:42
  Speaker 4: agent in the dictionary is a license insurance representative that
• 21:46
  Speaker 4: represents the interest of the insurance carrier. What's an independent
• 21:51
  Speaker 4: agent in the dictionary? A license representative that represents the
• 21:55
  Speaker 4: interests of their clients. So I work for my clients,
• 21:59
  Speaker 4: not insurance carriers. I keep the insurance carriers honest, right,
• 22:02
  Speaker 4: not that they're not honest, but if they ever do
• 22:04
  Speaker 4: something that you don't like, guess what. I don't work
• 22:07
  Speaker 4: for them. I work for you. You hired me, not them,
• 22:10
  Speaker 4: And my loyalty is to you, not the carrier.
• 22:12
  Speaker 3: Right.
• 22:13
  Speaker 4: How do we do that? We have a large book
• 22:15
  Speaker 4: of business with each carrier, of course, because we do
• 22:17
  Speaker 4: right by our clients and by the carriers. But at
• 22:20
  Speaker 4: the same time, our loyalty is to our clients and
• 22:22
  Speaker 4: not an insurance carrier.
• 22:23
  Speaker 2: And that's something. And you've explained this to me before.
• 22:25
  Speaker 2: And one of the things I found so profound. If
• 22:27
  Speaker 2: you have ACME Insurance as as your insurance carrier, and
• 22:30
  Speaker 2: you also have something that's a little bit outside the
• 22:33
  Speaker 2: realm of normal. Maybe you have a great baseball card collection,
• 22:35
  Speaker 2: or you have some diamonds that are like heirlooms or
• 22:38
  Speaker 2: something along those lines, or maybe firearms, you know, whatever
• 22:42
  Speaker 2: it might be. You're going to your insurance, your captive
• 22:45
  Speaker 2: agent with ACME Insurance, they will say, okay, we'll ensure whatever.
• 22:48
  Speaker 2: This is your baseball card collection. You think it's worth
• 22:51
  Speaker 2: fifty thousand dollars, fine, we'll insure for okay, So that
• 22:53
  Speaker 2: insurance is there if something happens. But from what you've
• 22:56
  Speaker 2: explained to me, once you get down into the weeds,
• 22:58
  Speaker 2: ACME Insurance themselves may not really specialize in firearms or
• 23:02
  Speaker 2: baseball cards or something like that. So when you come
• 23:04
  Speaker 2: to say it providing them with proof of what you have,
• 23:06
  Speaker 2: they don't have that expertise to make sure that you're
• 23:08
  Speaker 2: made whole on that exactly.
• 23:10
  Speaker 4: We don't pretend that any client can be any everything
• 23:12
  Speaker 4: to everyone, right, So we have Jewelers Mutual for Jewelry Insurance,
• 23:16
  Speaker 4: which is you know, kind of makes sense, right, And
• 23:18
  Speaker 4: then we have American collectors for collectibles, right, makes sense. Right,
• 23:23
  Speaker 4: And then we have Progressive and Geico and Liberty Mutual
• 23:26
  Speaker 4: and Triple A and Grange and all these other carriers Travelers,
• 23:30
  Speaker 4: Hartford Local in Cova. You know, we work with all
• 23:33
  Speaker 4: of these carriers that do so much, you know, and
• 23:35
  Speaker 4: do such a great job by our clients. But we
• 23:37
  Speaker 4: don't pretend that those one carriers can do absolutely everything
• 23:40
  Speaker 4: for everyone in every situation.
• 23:42
  Speaker 3: They have specialties, right. You know.
• 23:43
  Speaker 4: It's just like in football. You know, Patrick Mahomes doesn't
• 23:47
  Speaker 4: punt the ball for the Kansas. They bring the punter
• 23:50
  Speaker 4: in for that, right you know. You know, if if
• 23:53
  Speaker 4: the Golden State Wars need somebody to get a post move,
• 23:55
  Speaker 4: they don't call them Steph Curry, right, And so we
• 23:58
  Speaker 4: don't do this. We do the exact same while in
• 24:00
  Speaker 4: COVID is amazing at what they do the things they
• 24:03
  Speaker 4: don't do. Right, we called on another carry to step
• 24:05
  Speaker 4: in and handle that portion of the insurance for you.
• 24:08
  Speaker 2: And if you just think about that as a consumer
• 24:11
  Speaker 2: out there, it makes so much sense. But I don't
• 24:13
  Speaker 2: think most people have been shown that path in the past.
• 24:17
  Speaker 2: You know, they think, well, here's my insurance company, I'll
• 24:19
  Speaker 2: get all this stuff that I need from them as
• 24:21
  Speaker 2: well as I can. And then they find themselves in
• 24:23
  Speaker 2: a situation where they have something that's a really unique
• 24:26
  Speaker 2: item and they're having a hard time explaining the value
• 24:28
  Speaker 2: of it or where to go for it or anything
• 24:30
  Speaker 2: like that. They could really eliminate a lot of that question.
• 24:33
  Speaker 4: You know, it's almost common sense, but we just haven't adjusted.
• 24:37
  Speaker 4: Our consumer behavior hasn't adjusted fully. Right At one point,
• 24:41
  Speaker 4: we're using a rotary phone or a payphone, and now
• 24:43
  Speaker 4: we have you know, our cars can do all that stuff,
• 24:46
  Speaker 4: you know, And it's the same way with insurance. You know,
• 24:49
  Speaker 4: eighty five years ago, sixty years ago, fifty years ago,
• 24:52
  Speaker 4: you stayed with the captive agent. The captive agent did
• 24:54
  Speaker 4: right by you. He was in he or she was
• 24:56
  Speaker 4: in the community and all that stuff. And now it's
• 24:58
  Speaker 4: independent agents leading charge right making sure that you have
• 25:02
  Speaker 4: the best rates, the best coverages, and that if something
• 25:05
  Speaker 4: does happen, we're right there to go through that process
• 25:08
  Speaker 4: with you.
• 25:08
  Speaker 2: And I have to think and the era that we're
• 25:11
  Speaker 2: in right now, especially I say younger people, but that's
• 25:14
  Speaker 2: just because I'm getting old. But there's a whole there's
• 25:18
  Speaker 2: a whole generation of people out there that kind of
• 25:20
  Speaker 2: I mean, whatever you want to call it, whether it's
• 25:21
  Speaker 2: gig work or whatever else, people put together their lifestyle.
• 25:25
  Speaker 2: Maybe they don't have a forty hour week job, but
• 25:27
  Speaker 2: they work a little bit doing something. Then they do
• 25:29
  Speaker 2: some uber maybe they have some online stuff where they
• 25:32
  Speaker 2: make some money with some engagement that they're doing online,
• 25:34
  Speaker 2: and all these different income streams come together and they
• 25:36
  Speaker 2: have a fine livelihood. But trying to find somebody when
• 25:39
  Speaker 2: it comes to ensuring that lifestyle. Well, I drive my
• 25:43
  Speaker 2: car a little bit for business, and I have this
• 25:45
  Speaker 2: studio in my home that I use for business a
• 25:48
  Speaker 2: little bit.
• 25:49
  Speaker 4: I mean, that gets complicated pretty quick, it does, and
• 25:52
  Speaker 4: you need a licensed professional and a guide you through that.
• 25:54
  Speaker 4: Right in my opinion, independent agent, true independent, that's not
• 25:58
  Speaker 4: working for any one carrier that you can hire. Why
• 26:01
  Speaker 4: would you not hire your own insurance agent versus having
• 26:05
  Speaker 4: someone work almost against you. You know, they provide the coverage.
• 26:09
  Speaker 4: But if there's a fight between you and that carrier
• 26:12
  Speaker 4: and you have a captive agent, they're gonna side with
• 26:14
  Speaker 4: their employer every time, right whereas me, I'm want to
• 26:16
  Speaker 4: side with you because you're my client and you're you're
• 26:19
  Speaker 4: my boss, right, I have you know, ten thousand bosses
• 26:22
  Speaker 4: running around, and so yeah, it's important to have that expertise.
• 26:27
  Speaker 4: Right now, I've got twenty years. My staff's got to
• 26:28
  Speaker 4: combine over forty years of experience, and so having us
• 26:32
  Speaker 4: on you, you know, lack of a better word, on
• 26:34
  Speaker 4: your side is a good thing, right, And the we
• 26:38
  Speaker 4: Shop program allows us.
• 26:40
  Speaker 3: To go back. We do that any review.
• 26:42
  Speaker 4: Hey, mister and missus Jones, your policy state the same
• 26:45
  Speaker 4: this this year, but let's take a look again next year.
• 26:48
  Speaker 4: You know, if you got any questions or concerns, feel
• 26:50
  Speaker 4: free to give us a call.
• 26:51
  Speaker 3: Right.
• 26:52
  Speaker 4: But not having that right and not knowing I just
• 26:54
  Speaker 4: seen a client with a captive carrier who the their
• 26:57
  Speaker 4: homeowners started out at like thirteen hundred bucks, you know,
• 27:00
  Speaker 4: thirteen year, fourteen years ago, and it was twenty seven
• 27:03
  Speaker 4: hundred dollars and they never knew they were escrow and
• 27:06
  Speaker 4: it just crept up on them.
• 27:07
  Speaker 3: We won't let that happen to you.
• 27:09
  Speaker 2: Yeah, and that's one of the great benefits with that
• 27:11
  Speaker 2: because you never know what happens with I mean, once
• 27:12
  Speaker 2: you're an escrow, that's like blind money. I mean, you
• 27:15
  Speaker 2: get the notification maybe your payment went up a little bit.
• 27:17
  Speaker 2: And the thing is, if it only goes up three
• 27:19
  Speaker 2: or four dollars a year, or eight or nine dollars
• 27:21
  Speaker 2: a year or something like that, you don't maybe think
• 27:23
  Speaker 2: about it. But over the course of right, fifteen years
• 27:25
  Speaker 2: and suddenly it's gone up one hundred and fifty dollars, Well,
• 27:28
  Speaker 2: why in the heck has it gone up so much?
• 27:29
  Speaker 3: Sixty dollars a year for twenty years?
• 27:31
  Speaker 2: Yeah, right, it starts getting up there, and so it's
• 27:33
  Speaker 2: worth it's worth it to do that. And as you've
• 27:36
  Speaker 2: said many times on this show before, and it's so true,
• 27:38
  Speaker 2: and today especially, there's just there's no cookie cutter situations anymore.
• 27:43
  Speaker 2: Like you can't take a perfect frame of something and
• 27:46
  Speaker 2: drop it over a family or an individual and be like, ah,
• 27:48
  Speaker 2: you're perfect right.
• 27:49
  Speaker 4: Out the door. That's a great example. You know, sixty
• 27:51
  Speaker 4: years ago families all look the same, right, and now
• 27:54
  Speaker 4: they don't. And so your insurance has to be just
• 27:56
  Speaker 4: as unique as you are right in and make sure
• 27:58
  Speaker 4: that those coverages are or are provided for.
• 28:01
  Speaker 3: The things that you have that are unique to you, right, And.
• 28:03
  Speaker 4: Nothing's more important than your home and your autos and
• 28:06
  Speaker 4: making sure that your personal assets are adequately and properly covered.
• 28:09
  Speaker 4: We're going to give you a full review for free.
• 28:12
  Speaker 4: Everything's free with us. Our time is free. You know,
• 28:14
  Speaker 4: you can come in and meet with me for an
• 28:17
  Speaker 4: iron and not be charged the thing.
• 28:18
  Speaker 3: Right, it's a free review.
• 28:20
  Speaker 4: And like I said, we would give you a side
• 28:21
  Speaker 4: by sick comparison the pros and cons of each coverage
• 28:25
  Speaker 4: and that's all free. And you know, what we're trying
• 28:28
  Speaker 4: to do is make sure that everyone's educated prior to
• 28:30
  Speaker 4: the claim, because the last thing you want.
• 28:32
  Speaker 3: To do is find out you don't have that coverage
• 28:34
  Speaker 3: when the claim happened.
• 28:35
  Speaker 2: And if you're out there, you might be a little
• 28:36
  Speaker 2: bit maybe a little confused. You're thinking of all the
• 28:38
  Speaker 2: insurance companies that you see on TV. You're like, wait
• 28:40
  Speaker 2: a minute, is the Capital Insurance? Is that? Is that
• 28:42
  Speaker 2: the one with the with the lizard? Is that the
• 28:44
  Speaker 2: one with the vikings? Is that the one with the
• 28:47
  Speaker 2: guy that wears the red shirt? What in the heck? Go?
• 28:50
  Speaker 2: Who is Capital?
• 28:51
  Speaker 1: No?
• 28:51
  Speaker 2: No, no, no no no. Those are all the people that
• 28:54
  Speaker 2: you can get to work for you, right, Those aren't
• 28:56
  Speaker 2: those aren't that you aren't those people? You could get
• 28:58
  Speaker 2: those people to work for you, but not exclusively. They
• 29:00
  Speaker 2: all play all.
• 29:01
  Speaker 4: They all, they all come to visit Capital Insurance Group,
• 29:03
  Speaker 4: from Flow to the Gecko to Mayhem, they're all. They've
• 29:07
  Speaker 4: all been at Capitol and Insurance Group one way or another.
• 29:10
  Speaker 4: You know, we work with some All States you know,
• 29:13
  Speaker 4: Carrier National General, Uh, you know, so we've got access
• 29:16
  Speaker 4: to pretty much every carrier and company that you see
• 29:19
  Speaker 4: on the commercials and some great carriers that don't have commercials.
• 29:22
  Speaker 4: But having all those tools and the tools shit help
• 29:24
  Speaker 4: us help our clients and do to you know, what's
• 29:26
  Speaker 4: best for them in each situation.
• 29:28
  Speaker 2: You touched on this just a second ago, but I
• 29:29
  Speaker 2: wanted to kind of highlight a little bit part of
• 29:31
  Speaker 2: like the Wei shop and things like that that you do,
• 29:33
  Speaker 2: and you talked about how and we also sometimes add carriers,
• 29:35
  Speaker 2: and I want to include that in sort of like
• 29:37
  Speaker 2: what maybe the medical profession calls continuing the education or
• 29:40
  Speaker 2: something along those lines. But but it's the same type
• 29:42
  Speaker 2: of thing. It's like you're constantly absorbing, like wait a minute,
• 29:46
  Speaker 2: I heard about this company that may do this or
• 29:47
  Speaker 2: may do this better. You're always looking for a solution
• 29:49
  Speaker 2: that's going to help your clients.
• 29:50
  Speaker 4: Always and then carriers come into the market, right. Uh
• 29:53
  Speaker 4: you know, uh, there are some new carriers that that
• 29:55
  Speaker 4: didn't used to write Homnado in West Virginia that are
• 29:58
  Speaker 4: currently moving into West Virginia do that.
• 30:00
  Speaker 3: Right.
• 30:00
  Speaker 4: So that's why that we shop program is so effective. Right,
• 30:03
  Speaker 4: We're gonna go in your rage go up ten twelve percent.
• 30:06
  Speaker 4: Our team goes back into the market, goes back in
• 30:09
  Speaker 4: and reshops for you. We put in our sweat equity,
• 30:11
  Speaker 4: and then we call you with the benefits.
• 30:13
  Speaker 7: Uh.
• 30:14
  Speaker 4: It really helped a ton of clients. Like I said this,
• 30:16
  Speaker 4: just this week, we had three clients save over one
• 30:18
  Speaker 4: thousand dollars a year. We had a client in Ohio
• 30:22
  Speaker 4: that came to us, you know, and wasn't working with us,
• 30:26
  Speaker 4: and saved over five thousand dollars.
• 30:28
  Speaker 3: That's incredible.
• 30:29
  Speaker 4: What about they had been with a captive carrier for
• 30:31
  Speaker 4: like seventeen years.
• 30:32
  Speaker 3: They called us.
• 30:33
  Speaker 4: Their total premium it crept up to like ten thousand dollars.
• 30:36
  Speaker 4: We got it for like forty three hundred or forty
• 30:38
  Speaker 4: four hundred dollars. So that's a huge game changer for them.
• 30:43
  Speaker 4: And we had them set up an emergency fund. You know,
• 30:45
  Speaker 4: you know, we're the Dave Ramsey. I'm the only agency
• 30:48
  Speaker 4: and the only agent in West Virginia endorsed by Dave
• 30:50
  Speaker 4: Ramsey and have been for the last decade. You know,
• 30:52
  Speaker 4: that says a lot about us, right, our integrity, you know,
• 30:55
  Speaker 4: and what we what we stand for.
• 30:57
  Speaker 3: Right, We're the only.
• 30:58
  Speaker 4: Agent, the only agent of the West virgin endorsed by
• 31:01
  Speaker 4: Dave Ramsey. So we want to help you, you know,
• 31:04
  Speaker 4: put that money back in your pocket and take it
• 31:05
  Speaker 4: out the insurance carrier's.
• 31:06
  Speaker 2: Pocket at all great points and something that you can
• 31:09
  Speaker 2: really use to put kind of put that power on
• 31:11
  Speaker 2: your side, because that's really what you do. Is such
• 31:15
  Speaker 2: a great education point as well, is that you explain
• 31:17
  Speaker 2: to your clients why it makes sense, the ways that
• 31:20
  Speaker 2: it is that you're going to help them, and ultimately speaking,
• 31:23
  Speaker 2: it doesn't take that much to figure it out. You
• 31:25
  Speaker 2: have a way that folks can go right to your
• 31:27
  Speaker 2: website and just put in their information and they can
• 31:28
  Speaker 2: get kind of an idea right away.
• 31:30
  Speaker 4: Yeah, you can go right to our website cigwv dot com,
• 31:33
  Speaker 4: or you can call us at three zero four nine
• 31:35
  Speaker 4: nine three save. But on the CIGWV dot com you
• 31:38
  Speaker 4: just get a quote. Now selected carrier that you're currently
• 31:42
  Speaker 4: with probably takes about I don't know, forty five seconds
• 31:44
  Speaker 4: to ninety seconds. It sends us your current documents and
• 31:48
  Speaker 4: then we can give you a full review for free
• 31:51
  Speaker 4: to see a comparison.
• 31:52
  Speaker 3: Right.
• 31:52
  Speaker 4: We may find some holes, we may find some things
• 31:55
  Speaker 4: that you need to improve on, but we want to
• 31:57
  Speaker 4: make sure that you're getting the best price, the best coverage,
• 31:59
  Speaker 4: and everything's covered properly.
• 32:02
  Speaker 2: Man, that's great. So so threes are a four nine
• 32:03
  Speaker 2: nine three. Save is the phone number that you can
• 32:06
  Speaker 2: go to if you want to talk to Capitol Insurance Groom,
• 32:09
  Speaker 2: and you can go right to the website at CIGWV
• 32:11
  Speaker 2: dot com. And also we've talked about this the last
• 32:14
  Speaker 2: time you were on the program. We also moved locations. Right.
• 32:16
  Speaker 4: We bought six oh seven Pennsylvania Avenue, so there's free parking.
• 32:21
  Speaker 4: We've got a two story building right on Pennsylvania Avenue.
• 32:24
  Speaker 4: We've got it, the building remodeled it. I always tell
• 32:26
  Speaker 4: my existing clients come and see the building that you purchased,
• 32:29
  Speaker 4: you know, because without my clients, I don't have that building.
• 32:32
  Speaker 4: And so, yeah, we're invested in the community. We're here
• 32:35
  Speaker 4: to stay. We're not going anywhere. Our headquarters are still
• 32:38
  Speaker 4: in West Virginia. We don't have fifteen employees over there
• 32:40
  Speaker 4: at that headquarters, and you know, licensed agents looking to
• 32:43
  Speaker 4: help you out and get you enrolled in that WEE
• 32:45
  Speaker 4: Shop program and save you some money.
• 32:47
  Speaker 2: Man, that's great information. Once again from Don Wilson, Capitol
• 32:50
  Speaker 2: Insurance Group. We only have a couple of minutes left here.
• 32:52
  Speaker 2: If you have any questions, let me check the text
• 32:54
  Speaker 2: line make sure we didn't have anything that came in.
• 32:55
  Speaker 2: But you can get in in the last seconds. Threes
• 32:57
  Speaker 2: are a four nine three five five zero zero eight.
• 32:59
  Speaker 2: Threes are A four nine three five five zero zero eight.
• 33:02
  Speaker 2: Let's see. You can also give us a call real
• 33:04
  Speaker 2: quick if you want to before we leave the airways.
• 33:05
  Speaker 2: Three zero four three four five fifty eight fifty eight
• 33:07
  Speaker 2: three zero four three four five fifty eight fifty eight.
• 33:09
  Speaker 2: I think we kind of covered this one, but from
• 33:11
  Speaker 2: the three one zero six one zero. If I wanted
• 33:14
  Speaker 2: to get started on seeing if my insurance is right,
• 33:16
  Speaker 2: what's my first step we sort of talked about it.
• 33:17
  Speaker 4: Yeah, first cup, Yeah, give us a call three zero
• 33:20
  Speaker 4: four nine nine three save We opened five minutes, that's right,
• 33:23
  Speaker 4: or you can call you can you can put in
• 33:26
  Speaker 4: on our website cigwv dot com. Just go to that
• 33:29
  Speaker 4: website click get a quote. Now implement that stuff where
• 33:33
  Speaker 4: you can email us service at cigwv dot com. Service
• 33:37
  Speaker 4: at cigwv dot com. If you want to attach your
• 33:41
  Speaker 4: declarations pages which shows your coverages and things of that nature,
• 33:45
  Speaker 4: we can give you a full review for free.
• 33:47
  Speaker 2: Second part of this person's question, they were wondering how
• 33:49
  Speaker 2: much it costs them to switch.
• 33:51
  Speaker 3: It can only help you to say, yeah, yeah, that's
• 33:53
  Speaker 3: that's not the way it works.
• 33:54
  Speaker 4: It's only going to give you more coverage or it's
• 33:57
  Speaker 4: going to save you more money. So you're going to
• 33:59
  Speaker 4: get more uh and not have to pay anything. You
• 34:01
  Speaker 4: don't pay us anything. We're free to work with.
• 34:03
  Speaker 2: Yeah, yeah, that's it's not one of those things where
• 34:05
  Speaker 2: you have to like come up with money to Yeah yeah.
• 34:08
  Speaker 4: Yeah, you'd probably get a refund for your existing here,
• 34:10
  Speaker 4: get a refund back.
• 34:11
  Speaker 2: Yeah. So so good questions, and that's the way that
• 34:14
  Speaker 2: you get the ball started with something along those lines.
• 34:16
  Speaker 2: I also wanted to mention to folks because because this
• 34:18
  Speaker 2: is in a lot of the things we do here
• 34:20
  Speaker 2: on Expert when we talk about your life changes. So
• 34:23
  Speaker 2: if you recently got married, you recently had a kid,
• 34:25
  Speaker 2: maybe adopted a kid, got to divorce, anything along those lines.
• 34:28
  Speaker 2: That's another great opportunity to re examine your insurance because
• 34:30
  Speaker 2: things changed, man, Things change.
• 34:32
  Speaker 4: I've got a fifteen and a half year old chomping
• 34:34
  Speaker 4: at the bid to get that license.
• 34:35
  Speaker 3: November.
• 34:36
  Speaker 2: Oh yeah, any specialties for team drivers?
• 34:40
  Speaker 3: Yeah we do?
• 34:41
  Speaker 7: Ye?
• 34:41
  Speaker 2: Is that really?
• 34:42
  Speaker 3: We have a team driver program to triple a.
• 34:44
  Speaker 2: Yeah. See there you go. See I was, I was
• 34:45
  Speaker 2: making a joke and there really is out there. So
• 34:47
  Speaker 2: there you have it. So you got to give Capital
• 34:49
  Speaker 2: Insurance Group a call. Call it c IGWV dot com.
• 34:52
  Speaker 2: Ce IGWV dot com. Threes are a four non non
• 34:55
  Speaker 2: three save. Threes are a four non non three. Save
• 34:57
  Speaker 2: is where you're going to be able to call. Don
• 34:59
  Speaker 2: Wilson and of course been an established part of this
• 35:02
  Speaker 2: community for over twenty years with their home base right
• 35:04
  Speaker 2: here in Charleston, West Virginia. Big donors to the local
• 35:07
  Speaker 2: sports here as well. We were talking about the soccer
• 35:10
  Speaker 2: team coming up there and so all kinds of great
• 35:12
  Speaker 2: stuff coming up with Capital Insurance Group and Don Wilson
• 35:15
  Speaker 2: once again online at CIGWV dot com ceigwv dot com
• 35:19
  Speaker 2: is where you can find all that information and you
• 35:21
  Speaker 2: can find the phone numbers. Threes are A four nine
• 35:24
  Speaker 2: none three. Save. Threes are A four nine nine three save.
• 35:27
  Speaker 2: Don thank you so much for your time again this week.
• 35:28
  Speaker 3: We really appreciate it. Looking forward to the next show, we'll.
• 35:30
  Speaker 2: Have you in here next time. We'll see what's coming
• 35:32
  Speaker 2: up in the area of insurance. We thank you so
• 35:35
  Speaker 2: much for tuning in today. Coming up next, it's going
• 35:38
  Speaker 2: to be Dave Allen for the Dave Allen Show in
• 35:40
  Speaker 2: five eighty live, the normal Friday show over there. We're
• 35:42
  Speaker 2: trying to adopt some pets out, so you want to
• 35:44
  Speaker 2: listen to that to see our pet of the week
• 35:46
  Speaker 2: from Theconnall Humane Society. After that, it's going to be
• 35:49
  Speaker 2: talk Line with TJ and Dave Wilson. Dave Allen will
• 35:52
  Speaker 2: be back this afternoon at three oh six with Amanda
• 35:54
  Speaker 2: or at neun No Sex twelve o six with Amanda Baron,
• 35:57
  Speaker 2: and then I'll be back this afternoon at three o
• 35:59
  Speaker 2: six with Dave Weekly on the Network of Days. I'll
• 36:01
  Speaker 2: be back at three or six this afternoon on Metro
• 36:04
  Speaker 2: News Hotline. That's going to get you ready for your weekend.
• 36:06
  Speaker 2: Thank you so much for listening today. Don Wilson has
• 36:09
  Speaker 2: been our guest from Capital Insurance Group one more time.
• 36:11
  Speaker 2: CIGWV dot com for more information CIGWV dot com threes
• 36:15
  Speaker 2: aer A four non non three save. Don will see
• 36:17
  Speaker 2: you next time. He thanks for having have a great day, everyone,
• 36:19
  Speaker 2: and thank you for tuning in on this Friday to
• 36:21
  Speaker 2: your voice of Charleston. We are a five to eighty
• 36:23
  Speaker 2: w c HS.
• 37:00
  Speaker 1: Five AD w c HS A M ninety six point
• 37:02
  Speaker 1: five at them Charleston one oh four point five Cross
• 37:04
  Speaker 1: Lane WVRC Media Station. We are proud to live here too,