Latest / WCHS Network Podcasts / 08/21/2026 Ask the Expert with Capital Insurance Group

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08/21/2026 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 ad w
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Speaker 1: CCHS it's employees or WVRC Media.
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Speaker 2: Every Friday morning, you're listening to them Charles and Bomb
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Speaker 2: adw CHS. I'm Dell Cooper. This is asked the expert.
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Speaker 2: Thank you so much for tuning in today. Don Wilson
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Speaker 2: is with me, having problem with your headphones? Can't I
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Speaker 2: can't hear him? Yeah, I think so? Well, hear you?
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Speaker 2: All right, there's a dowtown when the little box that
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Speaker 2: thoes are plugged into, there's like a little a little
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Speaker 2: dow there that you can turn all the way to
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Speaker 2: the right and that should give you some volume. Did
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Speaker 2: that work? Hey? There we go? All right? Sorry about that.
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Speaker 2: I should have set it up before you set in.
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Speaker 2: Over there. Don Wilson from Capital Insurance Group is with us,
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Speaker 2: and we have all kinds of things we need to
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Speaker 2: talk about this morning. Great time to have Don in.
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Speaker 2: Of course, a lot of things going on around the area.
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Speaker 2: But you know, we've talked about different specialized things over
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Speaker 2: the time the last several months that we've talked to
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Speaker 2: Don Wilson. We're going to kind of doll back to
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Speaker 2: the basics on homeowners insurance as well. This morning, we're
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Speaker 2: going to talk about those things before we get going.
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Speaker 2: Just for folks, it's been a little while since you've
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Speaker 2: been on the area here with me. Let's get folks,
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Speaker 2: just a reminder of who you are, Don Wilson from
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Speaker 2: Capital Insurance.
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Speaker 3: Yeah, man, I'm glad to be back. You know, schools
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Speaker 3: starting with my kids, yeah and stuff. So life is
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Speaker 3: lifing and h Yeah, I'm Don Wilson, the owner and
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Speaker 3: operator of Capital Insurance Group of full service independent insurance
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Speaker 3: agency focus on the independence. We're located at six oh
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Speaker 3: seven Pennsylvania Avenue fron on the west side of Charleston.
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Speaker 3: And uh, you know we've been in business. It'll be
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Speaker 3: ten years wow, February first, man, So we're coming around
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Speaker 3: the mountain.
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Speaker 2: Congratulations that ten year anniversary. That's really something else. Ten
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Speaker 2: years and and obviously growing. You've you've moved locations, you've expanded,
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Speaker 2: and you've done all those nice things. You have that
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Speaker 2: new location over here in Elk City. I mean, it's
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Speaker 2: just really something else.
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Speaker 3: Yeah, it's been a it's been a really cool experience.
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Speaker 3: I've always owned businesses This is my first insurance agency,
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Speaker 3: and the growth the support of you know, shows like
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Speaker 3: this helping us and giving us a platform to you know,
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Speaker 3: educate and inform consumers on how insurance works. You know,
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Speaker 3: the national commercials don't do us any you know, justice,
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Speaker 3: with all the silly jokes and antics that they do.
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Speaker 3: But at our level at Capital Insurance Group, we want
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Speaker 3: to arm you with information so that you know exactly
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Speaker 3: how the insurance policy works, how to get the money
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Speaker 3: out of it, and what's covered, what's not covered. You know,
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Speaker 3: how to have the appropriate deductibles and all those things.
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Speaker 3: Because the more information you have, the better it is
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Speaker 3: for consumers, the worse it is for those insurance carriers.
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Speaker 2: You know. The thing that really gets me is in
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Speaker 2: doing this show with you all this time. I've never
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Speaker 2: worked in insurance, but I've worked adjacent adjacently to it
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Speaker 2: for a long time. I've worked in the mortgage industry
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Speaker 2: for forever, so I don't know how many decks sheets
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Speaker 2: ahead to look at and make sure that the everything
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Speaker 2: matched up and stuff like that. But the only thing
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Speaker 2: you'd learned on that end of things, So you know,
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Speaker 2: here I am thinking, I'm you know, I don't know
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Speaker 2: everything like an insurance agent. But man, I was in
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Speaker 2: the business for a long time. I saw these deck sheets.
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Speaker 2: I know, what's what I learned so much on the
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Speaker 2: on every show that I do with you, but especially
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Speaker 2: like when you were explaining the different things the nuances
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Speaker 2: behind insurance and stuff like that, because what I found
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Speaker 2: out is what I had learned was almost to be
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Speaker 2: an insurance adversary, right like like like in the like
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Speaker 2: in the industry. Although I worked for a good company,
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Speaker 2: they weren't one of these companies that were trying to
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Speaker 2: pillage people back in the day. But still, you know,
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Speaker 2: you were like, Okay, well, if you can get your
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Speaker 2: insurance to this minimum, like all you wanted to tell
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Speaker 2: your people because they were so cost cost scared want
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Speaker 2: to Yeah, EXA, you were trying to keep that away
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Speaker 2: from your your your payment and so you're like, just
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Speaker 2: get the minimums, you know, because you did. You wanted
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Speaker 2: to not hide, but you didn't want them to be
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Speaker 2: to be payment shoy or whatever. And I find out
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Speaker 2: now and looking back, if you wanted to be a
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Speaker 2: true service to that that customer, you would have you
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Speaker 2: would have advised them, Hey, you don't want to under
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Speaker 2: insure this property. I know that's saving you seven dollars
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Speaker 2: a month off of this this this payment we were
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Speaker 2: talking about, and that gets you where you want to be.
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Speaker 2: You would be much better off to pay that extra
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Speaker 2: money to make sure that you're fully insured. I wish
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Speaker 2: I knew that back then. I really do.
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Speaker 3: If you don't take anything from the shows, listeners, take this,
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Speaker 3: add the endorsement every time, every time, every time, add
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Speaker 3: the endorsement.
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Speaker 2: And we're going to talk a little bit about that today.
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Speaker 3: But you know, it's better to have the coverage and
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Speaker 3: spend the eight dollars a month, five dollars a month,
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Speaker 3: two dollars a month than it is to not have
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Speaker 3: the coverage because that two, eight or ten dollars could
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Speaker 3: provide you with ten, fifteen or twenty five thousand dollars
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Speaker 3: of additional coverage that has excluded on your base insurance policy.
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Speaker 2: So how should we talk You want to talk about
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Speaker 2: this like building our residential policy from like the ground up.
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Speaker 2: What we're looking out here looks to look at the works.
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Speaker 3: What was covered was not what you should do to dos.
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Speaker 3: The don'ts in the details.
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Speaker 2: So let's do that for somebody that's you know, maybe
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Speaker 2: a first time homeowner, somebody that's fuyding a new house
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Speaker 2: for the first time. Yeah, maybe they've been under insured
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Speaker 2: for all these times. So what information that should they
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Speaker 2: be looking at and what should they be ready to
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Speaker 2: talk about.
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Speaker 3: Yeah, it's important that you you know, because it's typically
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Speaker 3: your most valuable asset other than your ability to get
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Speaker 3: up and go to work, right, which is your number
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Speaker 3: one asset. You know, people think it's your home, but
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Speaker 3: you know, your ability to get up and go to
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Speaker 3: work and pay for the house. You know, it's your
5:22
Speaker 3: number one asset. Right, it's your human capital. But as
5:25
Speaker 3: you know things that you can purchase, it's probably going
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Speaker 3: to be your largest purchase. Right, your home your most
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Speaker 3: valuable asset. It's going to appreciate the appreciation market that
5:35
Speaker 3: I've seen and done research on in West Virginia's homes
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Speaker 3: are appreciating between two and three percent a year right
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Speaker 3: in West Virginia, especially in Charleston.
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Speaker 2: Where we are.
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Speaker 3: We want to make sure that you know exactly what
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Speaker 3: you're getting versus what the bank's getting. The bank's your
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Speaker 3: partner in this, and they give you the loan for
5:54
Speaker 3: the money, but we want to make sure that you're
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Speaker 3: covered for replacement costs, right, that you have your other
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Speaker 3: structures covered correctly and things of that nature, because if
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Speaker 3: you don't adequately cover that and you just cover the loan, right,
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Speaker 3: no matter what coverage it is related to your home. Right,
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Speaker 3: You're just you're doing yourself a disservice. Yeah, you really are.
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Speaker 2: And that really can be It's and from it, I
6:19
Speaker 2: don't I don't know how to explain, but it seems
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Speaker 2: like from the consumer standpoint, it's like what they don't
6:24
Speaker 2: know can hurt them. And sometimes when you've got a
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Speaker 2: captive asis over there, it's the same thing what they
6:29
Speaker 2: don't know. I don't have to explain.
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Speaker 3: Yeah, yeah, I mean so, I mean I always go
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Speaker 3: back to the dictionary definition of an agent versus an
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Speaker 3: independent agent.
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Speaker 2: Right. The dictionary definition of a captive asient is a
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Speaker 2: license representative that represents the interests of the insurance carrier.
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Speaker 3: Right, I'll say that again. They represent the interests of
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Speaker 3: the insurance company, not your interests. They are an employee.
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Speaker 3: They are an employee of the insurance carrier. They represent
6:57
Speaker 3: one carrier or maybe three, right, since an employee of
7:01
Speaker 3: that carrier, and they're going to work on behalf of
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Speaker 3: the insurance carrier, which is the opposite of working on
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Speaker 3: behalf of you. You can't hire a captive agent because
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Speaker 3: they already have a job, and that job is to
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Speaker 3: represent the interest of an insurance company. My job is
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Speaker 3: to represent the interests of my clients, and I sell
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Speaker 3: the products of insurance carriers, but from the perspective and
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Speaker 3: point of view of how can I best help my client,
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Speaker 3: not this insurance company. And so you want to make
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Speaker 3: sure and I think captive agents do a solid job
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Speaker 3: of replacement costs and things of that nature. They're not
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Speaker 3: out to get you there to software you know, kind
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Speaker 3: of protects you from that. But it's knowing what how
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Speaker 3: much coverage you should have. And in my professional estimation,
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Speaker 3: you know, an example we gave, you know, prepping for
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Speaker 3: the show, was, you know, a four hundred thousand dollars
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Speaker 3: home purchase or let's say a two hundred thousand dollar
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Speaker 3: home purchase, because not everybody's buying a four hundred thousand
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Speaker 3: doar house, but a two hundred thousand dollar home purchase, right,
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Speaker 3: how much coverage should that home have? And in my
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Speaker 3: professional estimation, you're talking between twenty five and forty percent
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Speaker 3: above the purchase price. Right, So you're talking additional you know,
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Speaker 3: coverages that you should have up to almost fifty percent
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Speaker 3: above whatever you purchased the home for. And there's some factors, right,
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Speaker 3: you know, the square footage of the home, how many
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Speaker 3: stories the home has, the number of garages, the year
8:21
Speaker 3: the roof was played put on. If your agent hasn't
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Speaker 3: asked you in the last five, six, seven, twelve, fifteen,
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Speaker 3: thirty four years, you know what's new with the home, right,
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Speaker 3: Your replacement costs could be out of whack, right, and
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Speaker 3: you may be under insured. And the first rule of
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Speaker 3: insurance is to indemnify you. What does indemnity mean. It
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Speaker 3: means to return you back to the way you were,
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Speaker 3: no better, no worse than before the incident. That's what insurance,
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Speaker 3: that's their job.
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Speaker 2: Right.
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Speaker 3: If you haven't talked to your agent, you know in ten, twelve,
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Speaker 3: fifteen years and you were modeled the kitchen and the
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Speaker 3: bathrooms and put a new roof on. But your policy
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Speaker 3: could be inadequate and important that you do those sorts
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Speaker 3: of things and that you have the proper replacement costs
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Speaker 3: on your home.
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Speaker 2: I just go back to those days when I was
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Speaker 2: looking at mortgages. And when I was writing those things
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Speaker 2: in so often at the time, you were just telling folks,
9:12
Speaker 2: all you need to do to close the deal, all
9:14
Speaker 2: you need to do is get your insurance policy match
9:16
Speaker 2: the You need to have a minimum of a match
9:18
Speaker 2: the lianomount because the bottom line is, that's all the
9:21
Speaker 2: lender cares about, right. The lender just cares about getting
9:23
Speaker 2: their money back. They don't care if you can replace
9:27
Speaker 2: your TVs, your computers. Yeah, it's not your job. That
9:29
Speaker 2: doesn't overwear anything else. They don't have a professional duty
9:31
Speaker 2: for day, right, and that's not their fault. You know,
9:33
Speaker 2: they do a great job out of here. But at
9:35
Speaker 2: the same time, you better have your agent, you know,
9:38
Speaker 2: doing their job right, because the agent does have a
9:42
Speaker 2: professional duty to make sure that you're able to be
9:45
Speaker 2: indemnified right, that you're able to recover if there ever
9:48
Speaker 2: is a total loss or partial laws and how those
9:51
Speaker 2: things are covered right, And if you don't review that right,
9:55
Speaker 2: your policy could be completely I mean out of whack.
9:58
Speaker 2: I mean the longer you go with it out reviewing it.
10:01
Speaker 2: We literally send our clients an email every ten months
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Speaker 2: and say, let's set up a review. Let's talk about
10:08
Speaker 2: what's changed. Have you done any remodeling, have you added
10:11
Speaker 2: a pull? Have you you know, as you know what's
10:13
Speaker 2: different now, life events prompt discussions with your financial advisor,
10:18
Speaker 2: your insurance agent, your CPA. All those things change, right,
10:22
Speaker 2: and his life changes, your insurance policy should change with it.
10:25
Speaker 2: That makes so much sense that I even brought you
10:27
Speaker 2: in on our afternoon show Hotline last week to talk
10:30
Speaker 2: about We had a guy on talking about card collecting
10:33
Speaker 2: and collecting different things as we do all the time,
10:35
Speaker 2: and from discussions with you, I learned that that really
10:38
Speaker 2: to have those things protected properly, you going through an
10:41
Speaker 2: independent agent especially, you can find an insurance company that
10:44
Speaker 2: matches up with those sort of things. So, whether it's
10:46
Speaker 2: cards or like the host of the afternoon show, Dave Weekly,
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Speaker 2: he's not in business with vinyl, but he has a
10:53
Speaker 2: huge vinyl collection that's worth money. You know, that's not
10:56
Speaker 2: something that's going to be naturally covered under just a
10:59
Speaker 2: replacement cost on your home. Yeah, funny, as you said,
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Speaker 2: I just got into some vinyl myself. Dave is huge
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Speaker 2: and he's been collecting for years. He's got an elite collection.
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Speaker 2: That's great, that's a great. Yeah, you just don't know, right,
11:08
Speaker 2: because it's not your job to know, right, just like
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Speaker 2: it's not the mortgage reps job to know how the
11:14
Speaker 2: insurance works. They know what they need to know to
11:17
Speaker 2: get the loan clothes, and they're doing a great job
11:19
Speaker 2: of that. You know, we got amazing We're blessed here
11:21
Speaker 2: in this valley to have some of the best you know,
11:24
Speaker 2: mortgage lenders in the country.
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Speaker 3: And but that's not their job to focus on the insurance.
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Speaker 3: Their job is to get the loan closed, right, and
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Speaker 3: it's my job right and they should be. You know,
11:33
Speaker 3: you as the consumer, have a duty to yourself right
11:36
Speaker 3: to make sure that you're working with an adequate, you know,
11:39
Speaker 3: and competent, you know, independent agent in my opinion, that's
11:43
Speaker 3: going to do the work for you and not an
11:44
Speaker 3: insurance career.
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Speaker 2: It's great information if you have any questions for don
11:47
Speaker 2: about that, maybe your situation a little bit, a little
11:49
Speaker 2: bit outside of the cookie cutter, because that's what everybody's
11:52
Speaker 2: outside the cookie cutter, is the thing. Yeah, there is
11:54
Speaker 2: no real cookie cutter. But if you think that you
11:56
Speaker 2: have a little bit of a of a complicated situation,
11:59
Speaker 2: or if you want advice, expert advice on anything to
12:01
Speaker 2: do with your insurance. Maybe your business is insurance, anything
12:04
Speaker 2: along those lines. You can give us a call this
12:05
Speaker 2: morning three zero four three four five fifty to fifty
12:07
Speaker 2: eight three four five fifty to fifty. You can text
12:09
Speaker 2: three zero four nine three five five zero zero eight
12:11
Speaker 2: to get ahold of us as well more information online
12:13
Speaker 2: at CIGWV dot com. CIGWV dot com is where you
12:16
Speaker 2: can find The website will give you more of the
12:18
Speaker 2: contact information before we get out of here today. So
12:21
Speaker 2: building the bones to your residential policy and your homeowner policy,
12:24
Speaker 2: that's really that's where it's at. And that's not just
12:27
Speaker 2: replacement costs as we've been talking about. There's a lot
12:29
Speaker 2: of different things that goes into that. And it's not
12:31
Speaker 2: just the replacement costs of your main structure. If you
12:33
Speaker 2: have out buildings, different things along those lines, a she shed,
12:35
Speaker 2: you know, whatever it might be. Right, all of these
12:37
Speaker 2: things are things that you need to make sure are
12:38
Speaker 2: properly insured.
12:39
Speaker 3: Yeah, and it's important that you have the proper coverage
12:42
Speaker 3: right and the improper endorsements right.
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Speaker 2: By the endorsement, that's the theme of today show.
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Speaker 3: By the endorsement, right, are you scro so, who's paying
12:52
Speaker 3: and who's not paying? Right, what we've seen more than
12:54
Speaker 3: anything is when So insurance carriers are great. I'm not
12:59
Speaker 3: bashing insurance carriers. I work in the insurance industry, but
13:02
Speaker 3: they are out to make money, right, And so how
13:05
Speaker 3: you pay affects the percentage of your renewal and how
13:09
Speaker 3: much you see of that renewal. Right, if you're at
13:13
Speaker 3: home right now and I asked you right now, and
13:15
Speaker 3: I'm asking you and you answer, I'm askcrowd to this question,
13:20
Speaker 3: you need to call us for a review. How much
13:23
Speaker 3: is your insurance policy? How much do you pay for
13:28
Speaker 3: your home owner's insurance? And if you think to yourself
13:32
Speaker 3: right now, it's probably if you're giving yourself a range,
13:37
Speaker 3: you need a review, and you're probably escrowed as a
13:39
Speaker 3: result of that, because insurance companies and insurance agents can
13:44
Speaker 3: click a button to have your renewal only go to
13:47
Speaker 3: the escrow department and not to you. So you may
13:51
Speaker 3: not have seen your deck page on your homeowners in
13:55
Speaker 3: ten or fifteen years, right, And because of it, you
13:58
Speaker 3: know inflation and things that nature inflation protection, and you
14:02
Speaker 3: know just to sheer fact that you haven't renewed, you
14:04
Speaker 3: haven't left the carrier or renew you know, you're renewed
14:08
Speaker 3: for twenty three years in a row.
14:09
Speaker 2: Right.
14:09
Speaker 3: That carrier sees that and knows you're in a group
14:12
Speaker 3: of people that's never going to leave this insurance carrier. Right,
14:15
Speaker 3: And as a result of that, the people in that
14:17
Speaker 3: group may get a fifteen or eighteen or twenty five
14:20
Speaker 3: percent increase on their premiums. Right now, the guy that's
14:24
Speaker 3: left and changed insurance carriers a couple times, right, it's
14:28
Speaker 3: probably in a more favorable position with his current with
14:31
Speaker 3: his or her current insurance carrier, because that threat of
14:34
Speaker 3: leaving is there.
14:35
Speaker 2: Right.
14:35
Speaker 3: You're not so brand loyal, right, you need to be
14:39
Speaker 3: loyal to yourself and leave those brands you know behind
14:42
Speaker 3: because those brands may not be doing the right thing
14:44
Speaker 3: for you.
14:44
Speaker 2: Right.
14:45
Speaker 3: And so if you haven't seen that renewal in ten
14:47
Speaker 3: or twelve years, and I just asked you, I'm asking
14:50
Speaker 3: every listener how much is your current insurance policy? If
14:53
Speaker 3: you can't give me a within a five dollars amount
14:56
Speaker 3: and you're sure of that or ten dollars amount and
14:58
Speaker 3: you're sure of that, that means you probably as road
15:01
Speaker 3: and your premiums are probably increased twenty to thirty percent
15:04
Speaker 3: over the last five to seven years.
15:06
Speaker 2: And that is such an amazing insight. As you were
15:09
Speaker 2: talking there, it just made me think about how that
15:11
Speaker 2: that there was a certain vibe of American consumerism for
15:16
Speaker 2: decades where if you were loyal to a corporation, a company,
15:19
Speaker 2: whatever it is that they're loyalty, they would actually pay
15:22
Speaker 2: back that loyalty to you a little bit like with
15:24
Speaker 2: reduced price club prices, whatever it might be. We're used
15:27
Speaker 2: to the if I've been with this place for thirty
15:30
Speaker 2: years and I'm getting the best rate because they value
15:32
Speaker 2: me as a customer. Maybe not the case anything. It's
15:36
Speaker 2: very similar to our workforce.
15:37
Speaker 3: Remember our parents and their parents I worked at the
15:40
Speaker 3: same company for forty five years, and they had a pension,
15:45
Speaker 3: and when they retired, they kept their benefits and the
15:48
Speaker 3: pension and they worked at one place. Right no longer
15:52
Speaker 3: those days no longer exists. Right now, it's you change
15:58
Speaker 3: jobs four to five six times over the course of
16:01
Speaker 3: the time, over the course of your career, and you
16:04
Speaker 3: benefit from that. You put yourself first. It's the same
16:07
Speaker 3: thing with insurance. You shouldn't be staying with the same
16:10
Speaker 3: carrier for thirty five years.
16:12
Speaker 2: That's a great analogy, because that's absolutely true. You know,
16:14
Speaker 2: that's a great like we have to do four one
16:16
Speaker 2: k's and things like that now instead of a pension,
16:17
Speaker 2: we do it for ourselves.
16:18
Speaker 3: Better good companies these listen, it's a microcosm. These companies
16:22
Speaker 3: are just as loyal as employers, you know what I mean.
16:24
Speaker 3: It's like, you know, it's not the same as it
16:27
Speaker 3: was in nineteen seventy.
16:29
Speaker 2: It's just not. And it's not necessarily a good or
16:31
Speaker 2: bad thing because it puts the it puts you in control. Right.
16:35
Speaker 3: A lot of people have benefited and changed careers and
16:37
Speaker 3: you know, grown their you know, salaries and platforms and
16:41
Speaker 3: all that stuff, and that's great, but you should be
16:43
Speaker 3: doing the same, you know. It's kind of like the
16:44
Speaker 3: nil right. I don't know if I necessarily agree with
16:47
Speaker 3: how that's happening, But at the same time, put yourself
16:50
Speaker 3: in charge, you know, and be independent and go out
16:53
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17:00
Speaker 2: And it's great information that we always get with with
17:04
Speaker 2: Don Wilson for Capitol Insurance Group. Let's do this, Let's
17:06
Speaker 2: go ahead and take a break. When we come back,
17:09
Speaker 2: we can still do plenty of your questions if you
17:12
Speaker 2: have any Don has play more that we're going to
17:14
Speaker 2: talk about. We're gonna get a littleit into flooding as well.
17:16
Speaker 2: I know in this area we're still doing features on
17:19
Speaker 2: the flash flooding that came through Sunday and Monday here
17:21
Speaker 2: in the Kanaal Valley. So we'll get into flooding a
17:24
Speaker 2: little bit as well, and take your phone calls and
17:26
Speaker 2: your questions. You can call three zero four three four
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17:31
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Speaker 2: five five zero zero eight. We'll take a break and
17:35
Speaker 2: be backraft of this. You're listening to ask the expert.
17:37
Speaker 2: Don Wilson is here from Capitol Insurance Group, and this
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Speaker 2: You're listening to ask the expert. Don Wilson is here
20:09
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20:11
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20:13
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Speaker 2: three save for Capital Insurance Group. Don Wilson is here
20:38
Speaker 2: for the next fifteen minutes or so answering your questions.
20:40
Speaker 2: We were talking about homewners insurance before we went to
20:43
Speaker 2: the break. We were talking about different ways to build that.
20:45
Speaker 2: And one of the things that folks need to understand
20:48
Speaker 2: is under your typical policy when you get your regular
20:51
Speaker 2: homeowners insurance, what all is covered under under that? Yeah,
20:54
Speaker 2: these things are called perils P E R I L.
20:57
Speaker 2: You guys have heard me say that one hundred times
20:59
Speaker 2: just the calls of loss. Right, there's some common ones
21:02
Speaker 2: that are included on your homeowners, and there are some
21:05
Speaker 2: common ones not included on your homeowner. So the common
21:08
Speaker 2: ones are fire and lightning, wind and hail, smoke, theft, vandalism, explosion,
21:14
Speaker 2: you know, falling objects, you know the things you think about, fire,
21:18
Speaker 2: you know all those things. You know, waight of ice
21:20
Speaker 2: and snow, certain electrical events and damage. Right, those things
21:26
Speaker 2: are your typical perils. Right.
21:28
Speaker 3: Freezing, Right, you think about it, You come home and
21:31
Speaker 3: everything's frozen, and you know that's a covered peril.
21:34
Speaker 2: Right.
21:35
Speaker 3: Water damage, you know, your pipe's bursts and damage the
21:38
Speaker 3: flooring and the walls and the drywall and things of
21:41
Speaker 3: that nature. Those are your covered perils. But outside of that, right,
21:46
Speaker 3: you may or may not have coverage for certain things.
21:49
Speaker 2: You said water damage, but that doesn't include flood.
21:53
Speaker 3: Right, that does not include flood. Homeowner's insurance is a
21:57
Speaker 3: separate policy. The flood insurance and flood insurance is not
22:03
Speaker 3: covered on your homeowner's insurance posts.
22:07
Speaker 2: So, as I was just thinking about this, as we
22:09
Speaker 2: were talking about this, if you have if you have
22:11
Speaker 2: your car parks in your in your driveway and limb
22:13
Speaker 2: falls on it. Uh, generally speaking, that's gonna be covered
22:16
Speaker 2: by your homewner's policy. Is that is that right? No,
22:20
Speaker 2: not necesily.
22:20
Speaker 3: Because trees falling unless you could prevent it, right or
22:24
Speaker 3: you knew to prevent it, right, or you could have
22:26
Speaker 3: stopped it, you didn't act you acted as a reasonable
22:28
Speaker 3: person did that's gonna be Let's say a tree fall
22:30
Speaker 3: on your windshield, and my professional estimation, that'd be your
22:33
Speaker 3: your car car insurance.
22:34
Speaker 2: Okay, okay, so that would fall under your car insurance. However,
22:37
Speaker 2: if a if a tree floated down the street because
22:41
Speaker 2: of water or got into your your situation because of that,
22:44
Speaker 2: and damaged your car some kind because of a flood,
22:46
Speaker 2: although it's the same branch or the same lamb or
22:49
Speaker 2: whatever it might be, your car insurance may not cover that.
22:52
Speaker 2: So flood is a covered thing on a cover parent
22:55
Speaker 2: it is okay, car, your car insurance, your car floods.
22:58
Speaker 2: You're fine. Now see that we're learning. I'm learning. So
23:01
Speaker 2: we reverse that. Then back to your house then, so
23:04
Speaker 2: if if you have something that that happens to your
23:06
Speaker 2: house where you have like a regular limb that falls
23:08
Speaker 2: on your house, right, Uh, that's covered by your normal
23:10
Speaker 2: insurance probably, yeah, that's homeowners insurance. But if you had
23:13
Speaker 2: if there was water damage to a tree and that
23:15
Speaker 2: tree fell because of a flood or something along those lines,
23:18
Speaker 2: that is a little bit more gray area. Perhaps that
23:20
Speaker 2: would be a real good question for an adjuster. But
23:22
Speaker 2: if you have but if you had flood insurance, oh yeah,
23:25
Speaker 2: then either way that ended up going, you would be
23:28
Speaker 2: in good shape. Right yeah, man, learn so much.
23:30
Speaker 3: My professional brain says, if the tree falls, regardless of
23:34
Speaker 3: how it failed, it's probably gonna be covered.
23:36
Speaker 2: They're not gonna fall. I gotcha, I got you. But
23:40
Speaker 2: the bottom line is is that if you have regular
23:42
Speaker 2: homeowners insurance, if your pipes burst something along those lines,
23:45
Speaker 2: you're gonna you're gonna find some You're gonna find some
23:47
Speaker 2: softency there. You're gonna you're gonna be made whole there.
23:49
Speaker 2: But if it's due to flood water getting in, even
23:51
Speaker 2: from a backed up sewer or something along those lines,
23:53
Speaker 2: you're not gonna be covered on that. Or does it
23:55
Speaker 2: have to be natural water?
23:56
Speaker 3: So the big thing is inside the house versus outside
23:59
Speaker 3: the house. Are coming from you know, like an outside
24:02
Speaker 3: source from outside the home, or surface water rising something
24:06
Speaker 3: like that, you're talking flood right water backup, So that's
24:10
Speaker 3: a different one. That's one of those by the endorsement things.
24:14
Speaker 3: Water backup is not covered on homeowners unless you buy
24:18
Speaker 3: the endorsement right. The thing, remember, by the endorsement, I'll
24:23
Speaker 3: talk about a few key endorsements, and then we can
24:25
Speaker 3: dive a little deeper into a few key endorsements that
24:29
Speaker 3: you want to have with your homeowner's insurance. Water and
24:33
Speaker 3: sewer back up right, and I tell people twenty five
24:36
Speaker 3: thousand dollars is where you start to discussion. Because you've
24:40
Speaker 3: got stuff backed up into your basement or into your
24:42
Speaker 3: bathroom or into your whatever it is, right, and it's
24:45
Speaker 3: damaged everything. The remediation of that from a remediation company.
24:49
Speaker 3: We won't name any of the remediation companies, but those companies,
24:52
Speaker 3: it could be eight, ten, twelve thousand dollars. They've got
24:54
Speaker 3: the dryers in there hooked up and all that stuff.
24:56
Speaker 3: The other key thing is there's a thing called ordinance
24:59
Speaker 3: or law that you better have at least twenty five
25:01
Speaker 3: percent of your coverage A four. And that's just saying
25:04
Speaker 3: if your home's damaged and a portion of it's undamaged,
25:07
Speaker 3: but it's close to the damaged portion, and that portion
25:10
Speaker 3: of undamaged is out of code.
25:13
Speaker 2: Right.
25:13
Speaker 3: It's oh, your home is built in nineteen forty three,
25:17
Speaker 3: nineteen fifty two, so that you know hadn't been changed since,
25:20
Speaker 3: you know, since it was built. And now the person
25:22
Speaker 3: in your contractor is in there find something that's out
25:24
Speaker 3: of code if they have to repair that out of
25:26
Speaker 3: code work and get it up to code. Right, ordinance,
25:29
Speaker 3: your law coverage provides you with that coverage. If you
25:31
Speaker 3: don't have that endorsement, you're not covered.
25:33
Speaker 2: The last one is damaged of unmatching that undamaged matching
25:38
Speaker 2: of siding, roofing, and windows.
25:40
Speaker 3: So this is like your hell or your windstorm. Right,
25:43
Speaker 3: it's the portion that covers you for the undamaged portion
25:46
Speaker 3: of your home, right, so that your roof always matches,
25:48
Speaker 3: your siding always matches, your windows always match.
25:51
Speaker 2: Right.
25:51
Speaker 3: Insurance carries aren't necessarily care for stuff matches, but you do, right,
25:56
Speaker 3: And so we want to make sure that those three
25:57
Speaker 3: key endorsements. The one thing that I have not said
26:00
Speaker 3: endorsed on the homeowner's insurance policy though, is the flood insurance.
26:04
Speaker 2: Yeah, right, well, man, so much to unpack there, because
26:07
Speaker 2: you really learned a lot number one that sewer backup
26:09
Speaker 2: and stuff that actually can be covered. It's just an endorsement.
26:11
Speaker 2: So what percentage of people that you've seen who haven't
26:14
Speaker 2: come to you first, just skip that all together, that
26:16
Speaker 2: they don't even have that in I.
26:17
Speaker 3: Would say eighty five percent of people have no coverage,
26:20
Speaker 3: fifteen percent of people have five thousand man and the
26:24
Speaker 3: other zero point zero zero are my clients, I did
26:27
Speaker 3: they have twenty five dollars.
26:29
Speaker 2: I have to imagine I don't know off the top
26:30
Speaker 2: of my head, but I have to imagine that that
26:31
Speaker 2: additional coverage can't be that much yearly, or however you
26:35
Speaker 2: look at it.
26:36
Speaker 3: It's back to that for eight dollars things all right,
26:38
Speaker 3: it's probably eight dollars a month or twelve dollars a month.
26:41
Speaker 2: They just think about that difference because I know exactly
26:44
Speaker 2: my neighbor just had that happen to him last year,
26:46
Speaker 2: and the poor guy I mean at about I mean
26:48
Speaker 2: about tore him up. I mean because I mean he
26:51
Speaker 2: had a back up into his house, all kinds of
26:53
Speaker 2: damage that was done, stuff you don't want to clean up,
26:55
Speaker 2: you don't want to clean up, and I mean just
26:58
Speaker 2: getting getting that endorsement would make such a huge difference
27:00
Speaker 2: for someone that's amazing. You could spend twelve dollars that
27:02
Speaker 2: could save you thirty thousand. And then the other thing
27:05
Speaker 2: you were talking about there, and we've all seen this
27:06
Speaker 2: where you see a house that's been repaired and you
27:09
Speaker 2: have white siding and then almost white siding or what like,
27:12
Speaker 2: it doesn't quite match up like the Manila exactly. So
27:15
Speaker 2: what you're saying, if you had that other endorsement, if
27:18
Speaker 2: there was a portion damage and they couldn't replace the
27:20
Speaker 2: siding to make it match, they would replace all the
27:22
Speaker 2: sightings so the whole thing matches.
27:24
Speaker 3: They would replace up to the limit we put ten
27:26
Speaker 3: or twenty thousand dollars on that endorsement. So you're talking
27:30
Speaker 3: about a roof itself, I just you know, twelve thousand dollars,
27:34
Speaker 3: you know, fourteen thousand dollars for the entire roof. Right,
27:37
Speaker 3: if we put ten thousand dollars on the endorsement or
27:40
Speaker 3: twenty thousand dollars on the endorsement, your roof is always
27:42
Speaker 3: going to match.
27:43
Speaker 2: That is I mean, these are all things that I
27:45
Speaker 2: know that people could again because I did insurance where
27:48
Speaker 2: I looked at deck sheets for years and years and
27:49
Speaker 2: years and years. I know that these endorsements weren't weren't
27:52
Speaker 2: on there, you know what I mean. And these are
27:53
Speaker 2: things that you can I mean, I'm just sitting here.
27:55
Speaker 2: Think about how life changing if you had one of
27:57
Speaker 2: these and you came into one of those situations, it
27:59
Speaker 2: would be a life changing in a good way situation. Right.
28:02
Speaker 2: And think about how much we talked about We just
28:04
Speaker 2: talked about how the.
28:05
Speaker 3: Job markets change, right, yeah, said, Think about how much
28:08
Speaker 3: technology has changed over to twenty thirty years.
28:10
Speaker 2: Think about how much your home is aged.
28:13
Speaker 3: You know, thirty five years ago the home wouldn't have
28:16
Speaker 3: had an issue in this area, but now it is
28:18
Speaker 3: going to have an issue in this area. And you
28:20
Speaker 3: have an updated your insurance policist since nineteen ninety.
28:23
Speaker 2: That's crazy. That's crazy. I was just reading the other day,
28:26
Speaker 2: how you know we talk about these once every hundred
28:28
Speaker 2: year floods or whatever, and that's kind of an interesting
28:32
Speaker 2: you might know this. I didn't know this. That's kind
28:33
Speaker 2: of an interesting way to phrase it because it means
28:37
Speaker 2: the percentage of the chance of that flood happening. It
28:39
Speaker 2: doesn't necessarily mean it would only happen one time in
28:42
Speaker 2: one hundred years or whatever. But West Virginia is still
28:44
Speaker 2: in the last few decades, it have thirteen of those, right,
28:46
Speaker 2: I mean it's not once in one hundred years nobout
28:48
Speaker 2: thirteen of them. So that's a changing floodplains. That's different
28:51
Speaker 2: situations that people are in and things along those lines.
28:54
Speaker 2: You need to be aware. And did you see the
28:56
Speaker 2: video of Edgewood? Oh, I know, I know Edgewood, right,
29:00
Speaker 2: that's not supposed to flood.
29:01
Speaker 3: If I had a dollar for every time somebody told
29:03
Speaker 3: me if my house floods, it means everybody. No, it's
29:06
Speaker 3: not the case. The house is right near the river.
29:09
Speaker 3: It's not the canal river coming over the embankment and
29:13
Speaker 3: flooding everybody like in the movies. Right, it's it could
29:16
Speaker 3: be poor infrastructure, could be anything, right, I mean, if
29:19
Speaker 3: Swathmore and Edgewood are flooding, right, and trust me, they're
29:24
Speaker 3: not in a flood zone. So just because you're not
29:26
Speaker 3: in a flood zone doesn't mean you don't need to
29:29
Speaker 3: have flood insurance. I'll give you my example. One of
29:32
Speaker 3: my homes is on a heel. I have two hundred
29:36
Speaker 3: and fifty thousand dollars of flood insurance on that home.
29:39
Speaker 3: You're ready for the cost twenty three dollars a month.
29:42
Speaker 2: Yeah, yeah, And that's the situation you're not in a
29:45
Speaker 2: flood zone. So it's actually further today.
29:47
Speaker 3: Right, when you're not in a flood zone, it makes
29:49
Speaker 3: it super affordable. It can be affordable in a flood zone.
29:51
Speaker 2: Right.
29:52
Speaker 3: I've seen five hundred dollars, six hundred dollars, eight hundred
29:54
Speaker 3: dollar premiums in actual flood zones. But when you're not
29:56
Speaker 3: in a flood zone, right, it doesn't hurt to spend
29:59
Speaker 3: that extra fifth, teen or twenty five or thirty bucks
30:01
Speaker 3: a month. Right, And this said, make sure that you're
30:03
Speaker 3: protected because I've seen it happen outside the flood zone.
30:07
Speaker 3: I mean, go go to Facebook or Instagram or somewhere
30:11
Speaker 3: and look at the video of the West Side Heel
30:14
Speaker 3: flooding with water. I mean people's houses were damaged and
30:19
Speaker 3: those people are not in the flood zone. So now's
30:21
Speaker 3: the time you want a pre plan instead of crisis plan.
30:24
Speaker 2: Right. You can't get it after it's flooded, right, so
30:28
Speaker 2: why not spend that And that's me at two hundred
30:30
Speaker 2: and fifty thousand in coverage, right, if I would have
30:32
Speaker 2: put seventy five thousand dollars in coverage on that house.
30:36
Speaker 2: It beat twelve dollars a month.
30:37
Speaker 3: It's like the cost of a renter's policy to make
30:40
Speaker 3: sure that if something does happen and if i get
30:42
Speaker 3: some damage from a flood event, I'm properly inadequately covered
30:46
Speaker 3: and everything's protected.
30:47
Speaker 2: Man, that is so much great information. We always get
30:50
Speaker 2: it from Don Wilson from Capitol Insurance Group. Threes are
30:52
Speaker 2: a four nine nine three Save is the phone number
30:54
Speaker 2: if you want to if you want to tap into
30:56
Speaker 2: some of that expertise, you can give them a call.
30:57
Speaker 2: Threes are a four nine nine three save. And just
31:00
Speaker 2: building a proper homeowner's policy. And we haven't even got
31:03
Speaker 2: into like the other things. You know where you can
31:05
Speaker 2: where you also help people with their car policies everything else,
31:08
Speaker 2: and you can make sure that everything is nice and
31:10
Speaker 2: tight there and everything works well together. But just building
31:12
Speaker 2: fundamentally your your homeowner's policy and doing that correctly. We've
31:16
Speaker 2: talked about so many different things this morning, from outbuildings
31:19
Speaker 2: and from sewer backups and stuff, but the flood issues
31:21
Speaker 2: that you could have, replacing the sighting, all these things
31:23
Speaker 2: that when you think about the work that you've put
31:25
Speaker 2: into your home, the investment that you've put into your home,
31:28
Speaker 2: and all those things. Do you really want something to
31:30
Speaker 2: happen and not to be made completely whole? Do you
31:32
Speaker 2: really want your side to be mismatched? It may not
31:34
Speaker 2: be the most functional problem in the world. When you
31:36
Speaker 2: go to sell.
31:37
Speaker 3: When you go to sell it, you go to sell
31:39
Speaker 3: it and think about my I know we have a
31:40
Speaker 3: lot of because we get a ton of business from
31:43
Speaker 3: this show, and a lot of them are landlords. Right,
31:46
Speaker 3: think about those investment properties and adding flood and should
31:50
Speaker 3: give us a call today and say, hey, don I've
31:52
Speaker 3: got these twelve properties, or these six properties, these three
31:55
Speaker 3: rental properties. How much would it cost to add flood
31:57
Speaker 3: insurance to my primary home and my three rental properties,
32:02
Speaker 3: my investment properties?
32:03
Speaker 2: Right?
32:03
Speaker 3: Because the last thing you would want to happen, and
32:05
Speaker 3: the last thing I would want to see happen is
32:07
Speaker 3: a flood event. Take out one of your investment properties
32:11
Speaker 3: or your rental properties, and now your ten and has
32:14
Speaker 3: been displaced and you don't have one, You don't have
32:17
Speaker 3: that stream of income, they don't have a place to stay,
32:20
Speaker 3: and now you're left holding the bag. To create, you know,
32:22
Speaker 3: to re establish this home and rebuild this home, and
32:26
Speaker 3: there's no coverage, right, and you could have done that
32:28
Speaker 3: for seventeen dollars a month, right, you know. Think about that.
32:32
Speaker 3: You know, just if you're a landlord out there listening,
32:35
Speaker 3: and I know we've got a lot of landlords that
32:36
Speaker 3: listen to this show, think about your investment properties. Think
32:40
Speaker 3: about your primary home. Give us a call today. It's
32:42
Speaker 3: no obligation for us to review that and get you
32:45
Speaker 3: a quick flood insurance quote on your primary or your
32:48
Speaker 3: secondary homes.
32:49
Speaker 2: Man at any level that you are in your in
32:51
Speaker 2: your career as a possible landlord as well, this is
32:53
Speaker 2: going to be beneficial. I remember working with some people
32:56
Speaker 2: at one time. They were this was back in early
32:58
Speaker 2: two thousands where people were really getting into the house
33:00
Speaker 2: flipping before it became like an industry where people were
33:03
Speaker 2: really crafting nice quality homes and then flipping them and
33:06
Speaker 2: really turning something else. There was a couple I was
33:09
Speaker 2: working with that were doing this, and so they were
33:10
Speaker 2: running about three houses ahead on the flipping that they
33:14
Speaker 2: were doing. One of the homes that they were working
33:16
Speaker 2: on got massively flooded as they were working on it.
33:18
Speaker 2: It wasn't This was in Michigan, so it wasn't river flooding.
33:20
Speaker 2: It was some sort of a super prob but they
33:22
Speaker 2: had some sort of issue on it. But it ruined
33:24
Speaker 2: their They were doing fine, like they were on the
33:26
Speaker 2: trajectory to be really fine. This one lost completely. I mean,
33:29
Speaker 2: it screwed them up. Eventually, it ruined their credit because
33:31
Speaker 2: they got behind on other payments. It really messed them
33:33
Speaker 2: up because they weren't properly covered on that. As I
33:35
Speaker 2: look back, I'm thinking they probably could have.
33:37
Speaker 3: Been Yeah, just ask it doesn't I mean, this is
33:40
Speaker 3: a expert, that's right, Just ask.
33:43
Speaker 2: It doesn't hurt to ask us. That is that's great
33:45
Speaker 2: information with Don Wilson from Capital Insurance Group. And so
33:48
Speaker 2: if folks want to, if they want to, if they've
33:51
Speaker 2: heard all this and they're inspired to, maybe hey, I
33:53
Speaker 2: need to check these things out. I need to get
33:54
Speaker 2: a quote. I need to see if I'm properly covered.
33:56
Speaker 2: What's the first steps that they can make to maybe
33:58
Speaker 2: have Capital Insurancecript take a look.
34:00
Speaker 3: They can go online, we have to get a quote.
34:02
Speaker 3: Nown button, they can drop their deck pages right there,
34:04
Speaker 3: in like probably forty five seconds. They can give us
34:07
Speaker 3: a call at three zero four nine nine three save,
34:11
Speaker 3: or they can email us at service at cigwv dot com.
34:17
Speaker 3: That's service at cigwv dot com that goes to twelve
34:22
Speaker 3: licensed agents and they'll pick that up in a queue.
34:24
Speaker 3: They grab them out of the queue and they'll reach
34:27
Speaker 3: out and we can communicate via email or text however
34:29
Speaker 3: you guys want to communicate, and it's no obligation. We
34:33
Speaker 3: can typically save you between twenty five and thirty five
34:35
Speaker 3: percent on your insurance and make sure that everything's covered.
34:38
Speaker 2: But the key thing is at that endorsement, Capital Insurance Group.
34:42
Speaker 2: You can call them as three zero four nine nine
34:43
Speaker 2: three save. You can stop buy the new offices that's
34:45
Speaker 2: at six oh seven Pennsylvania Avenue right here in downtown Charleston.
34:48
Speaker 2: Local company Don always has been real proud resident of
34:51
Speaker 2: the Charleston area over on the west side, So you
34:53
Speaker 2: can check them out over there on Pennsylvania Avenue. But
34:55
Speaker 2: give them a call three zero four no nine three save.
34:58
Speaker 2: Threes are a four non nine three save the number
35:00
Speaker 2: you can call to get a hold of Capital Insurance Group.
35:02
Speaker 2: And all the things that we talked about here this
35:04
Speaker 2: morning are things that could benefit you in the short
35:08
Speaker 2: term and the long term and make sure that you're
35:10
Speaker 2: made whole as a homeowner. And I wanted to throw
35:12
Speaker 2: out there if you need renters insurance, if you need
35:15
Speaker 2: help building up benefits for your business, anything along those lines,
35:18
Speaker 2: Capitol Insurance Group can help you with those things as well.
35:21
Speaker 2: We shop you say, that's right, they shopping you save.
35:24
Speaker 2: Give Don a call so Capitol Insurance Group CIGWV dot
35:27
Speaker 2: Com c igwv dot com located in Charleston six oh
35:30
Speaker 2: seven Pennsylvania Avenue in Charleston, West Virginia. Their phone numbers
35:33
Speaker 2: Threes are a four non non three save. Threes are
35:35
Speaker 2: a four non none three save. Cigwv dot com online.
35:39
Speaker 2: That's going to do it for us today. Don, thank
35:40
Speaker 2: you so much for your time coming in with your expertise,
35:42
Speaker 2: really great information. As always, always glad to be here.
35:44
Speaker 2: I appreciate you coming in. That's Don Wilson with Capital
35:47
Speaker 2: Insurance Group right here in Charleston. CIGWV dot Com. Threes
35:50
Speaker 2: are a four non non three save. We're going to
35:51
Speaker 2: close up the show here. Hopefully we might take care
35:54
Speaker 2: of this fly that's been absolutely killing us for this show. Don,
35:57
Speaker 2: and I I tell fighting this thing off forever stupid
36:01
Speaker 2: fly in the studio anyway. Dave Allen is up next
36:03
Speaker 2: on his Friday show, followed by talk Line. Then Dave
36:06
Speaker 2: will be back with Amanda Baron on midday this afternoon,
36:09
Speaker 2: and then I'll be back at three oh six with Dave
36:10
Speaker 2: Weekly for the Friday edition of Metro News Hotline. Have
36:13
Speaker 2: a great day, everyone, listening to your voice of Charleston.
36:15
Speaker 2: We are Bob eighty, w c HSI Man.
36:24
Speaker 1: Whs Amby six point five back then Charleston one oh
36:26
Speaker 1: four point five Cross Lanes, a WVRC Media station.
36:31
Speaker 2: We're proud to live here too.