Latest / WCHS Network Podcasts / 05/01/2026 Ask the Expert with Capital Insurance Group

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05/01/2026 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 WHS
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Speaker 1: it's employees or WVRC Media.
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Speaker 2: Hello.
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Speaker 3: Hello, you're listening to the voice of charleson five adw
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Speaker 3: c HS. Thanks so much for tuning in on this
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Speaker 3: on this Friday. Hey, another Friday show for you. If
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Speaker 3: it's a Friday expert show, you know who that means
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Speaker 3: is in studio with us. There's there's only one guy
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Speaker 3: we opened up the studio four on Fridays, and that's
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Speaker 3: Don Wilson from Capitol Insurance Group.
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Speaker 2: Don, Good morning, How you doing this morning? Good morning
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Speaker 2: doing great?
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Speaker 4: Man.
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Speaker 2: It's a little cold. I mean, I thought it was October.
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Speaker 3: I thought we had this past us, you know, I
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Speaker 3: thought it was going to be you know, all seventy some.
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Speaker 2: Degrees and I had to wear a little sweatshirt in
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Speaker 2: here this morning. Jo wearing shorts today. I don't know
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Speaker 2: who sweatsuit man on one of those fridays. I hear
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Speaker 2: what you're saying.
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Speaker 3: Don Wilson is here from Capitol Insurance. Great more informational
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Speaker 3: line cigwv dot com is where you can find him
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Speaker 3: out and has an all new location. You want to
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Speaker 3: tell us a little bit about that too.
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Speaker 2: Yeah, we moved in on Pennsylvania Avenue, same neighborhood, still
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Speaker 2: on the west side of Charleston, but we're on six
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Speaker 2: seven Pennsylvania Avenue now. We moved from two sixteen West
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Speaker 2: Washington Street over to six oh seven Pennsylvania Avenue or
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Speaker 2: not too far from the Kroger fueling station right there,
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Speaker 2: close to the convention Center, right across the bridge. And
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Speaker 2: we've got eighteen parking spots if anybody wants to stop
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Speaker 2: in and say hello. And we invested by the building,
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Speaker 2: remodeled the building, and are keeping our dollars right here
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Speaker 2: in Charleston, West Virginia for the long term.
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Speaker 1: Man.
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Speaker 3: That's what That's always one of my favorite things in
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Speaker 3: talking to you was how how you keep everything here
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Speaker 3: in state? I mean your employer in the state, your
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Speaker 3: your world headquarters is here in the States. When you moved,
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Speaker 3: you just moved across the street, I mean basically across
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Speaker 3: the street. Man.
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Speaker 2: That's good stuff. Man, keeping it here in the in
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Speaker 2: the city and in the state. Added six jobs already
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Speaker 2: this year. We've brought on six new employees just five
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Speaker 2: months in and planning to do more of that.
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Speaker 3: So now we're going to get to we're going to
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Speaker 3: get to Dawn and what he does from more of
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Speaker 3: a of a more of a generals perspective. Here in
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Speaker 3: just a moment, you had a recent experience that you
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Speaker 3: wanted to share with the folks, something that really illustrates
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Speaker 3: what you're able to do.
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Speaker 2: For Yeah, we had a caller or you know, last month,
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Speaker 2: called in currently with their carrier, had been with their
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Speaker 2: carrier for probably I think twenty two or twenty three years,
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Speaker 2: and you know, they just didn't have that insurance watchdog
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Speaker 2: like us. Remember we don't work for insurance carriers. We
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Speaker 2: work for our clients. Called in and said, man, I
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Speaker 2: think my insurance agent. He didn't have an agent. He
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Speaker 2: was he was one of those general one eight hundred
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Speaker 2: number online, didn't have an agent, didn't have a local presence,
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Speaker 2: and he was paying His auto was twenty two hundred
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Speaker 2: and fifteen dollars every six months. So write those numbers. Now,
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Speaker 2: he's spending twenty two hundred and fifteen dollars every six months.
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Speaker 2: So basically forty four, one hundred and thirty dollars a year. Okay.
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Speaker 2: His homeowners was about eighteen hundred or nineteen hundred dollars
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Speaker 2: a year somewhere there, and we were able to enhance
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Speaker 2: his coverages, increase the coverage, ad diminishing deductible at accident,
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Speaker 2: forgiveness at all of these riders and things of that nature.
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Speaker 2: And we got his auto when he's paying forty four
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Speaker 2: hundred and some dollars, we got his auto down to
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Speaker 2: twenty five hundred, about sixty dollars year, almost fifty percent. Yes,
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Speaker 2: it's like we got the six months worth and the
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Speaker 2: homeowners down to one thousand and sixty two. And guess
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Speaker 2: what we did. We added an umbrella for extra asset
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Speaker 2: protection so we're covering those needs. We added sewer and
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Speaker 2: drained back up. We add a very utility line to
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Speaker 2: his homeowners. We added equipment breakdown, We lowered his deductibles.
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Speaker 2: You know, we did all of these things and saved
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Speaker 2: him over fifty percent over, you know, two thousand dollars
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Speaker 2: a year and real money back in his pocket to
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Speaker 2: do whatever he needs to do for a better plan,
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Speaker 2: for a better plan, better coverage. Yeah, all it took
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Speaker 2: to me.
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Speaker 3: I mean, I don't know if you can construct the
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Speaker 3: scenario where somebody would turn that down. Hey, I got
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Speaker 3: a better deal for you for a better cost for
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Speaker 3: better service, right, would you like to do that?
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Speaker 2: Right? And then we enrolled him in the Wii Shop program. Nice.
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Speaker 2: We are independent agents. What's that meme? We work for
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Speaker 2: our clients, not a carrier. What's the Wi Shop program?
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Speaker 2: Every single year, my staff and my team looks at
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Speaker 2: your renial to make sure the insurance companies are doing
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Speaker 2: exactly what they're supposed to do with your pricing, coverage
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Speaker 2: and claims.
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Speaker 3: Man, that is it's great information and what a great
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Speaker 3: illustration from Don Don Wilson from Capitol Insurance Group. If
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Speaker 3: you have a question, maybe you're in a situation where
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Speaker 3: maybe you have a little complication, complicated inswurtce portfolio.
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Speaker 2: You're wondering what you can do with it. Maybe here's
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Speaker 2: a straight lace.
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Speaker 3: You're like, hey, man, I've been with my carrier for
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Speaker 3: twenty years and maybe I could do something too. Whatever
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Speaker 3: your question might be, Don could probably at least point
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Speaker 3: in the right direction and tell you what to give
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Speaker 3: him a call with later right here on the air.
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Speaker 3: If you want to give us a call this morning,
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Speaker 3: three er A four three five fifty eight fifty eight
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Speaker 3: three four five, fifty eight fifty eight. You can text
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Speaker 3: over any questions you have as well. Three zerre a
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Speaker 3: four nine three five five zeros. Your eighth threes are
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Speaker 3: A four nine three five zero zero eight. So you're
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Speaker 3: welcome to get a hold of us either way during
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Speaker 3: the course of the show, and Don will be happy
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Speaker 3: to answer your questions to the best you can, because
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Speaker 3: I mean it's really that's one of the things that
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Speaker 3: you do so great, at least from my experience with you,
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Speaker 3: is it's a real education piece as well. You've not
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Speaker 3: only explained to people this is going to be a
5:17
Speaker 3: better deal for you, but this is why it's a
5:18
Speaker 3: better deal for you. That really arms your clients to
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Speaker 3: make informed decisions. Yes, it's that pre planning. And you know,
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Speaker 3: I've been saying that for years we've been doing this show.
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Speaker 3: Is pre planning instead of crisis planning. You know, we
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Speaker 3: have clients that leave the agency and they go, I
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Speaker 3: found the cheaper price, and I go, well, does it
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Speaker 3: have X, Y and Z to you know that X,
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Speaker 3: Y and Z could be some of our policies. Wave
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Speaker 3: your deductible and if you total your vehicle right and
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Speaker 3: then you go to a plan with a thousand dollars deductible, right,
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Speaker 3: and you total your vehicle and now you're out one
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Speaker 3: thousand dollars that you would to save with us, right.
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Speaker 3: And so it's knowing those things, having those bells and whistles,
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Speaker 3: and being armed with the knowledge that the insurance carriers
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Speaker 3: may not want you to have, because if you've seen
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Speaker 3: insurance commercials lately, they don't do much educating right about
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Speaker 3: this like a stand up comedy show. And so what
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Speaker 3: we do is we dive deep into these policies because
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Speaker 3: if there's a claim or claim scenario, we want to
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Speaker 3: have those questions answered before something happens, not after it
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Speaker 3: happens or while it's happening. Man, Once again, great information
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Speaker 3: from Don Wilson. It's always educational. And let's kind of
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Speaker 3: start on some of those things. And we're going to
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Speaker 3: talk about homeowners' policies a little bit to start with.
6:22
Speaker 3: And there's a lot of Don and I have done
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Speaker 3: a few of these shows, and I learned so much
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Speaker 3: every time, starting with one of the big things, and
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Speaker 3: that is when we talk about replacement costs. Now, this
6:31
Speaker 3: is something that I was a little bit aware of
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Speaker 3: because I was in the mortgage industry for a little while,
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Speaker 3: so I knew what that rider page had to have.
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Speaker 3: But even in my experience, as I understood that the
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Speaker 3: homeowners didn't really understand what that replacement cost was for.
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Speaker 2: Right, Yeah, it's to rebuild your home as it currently
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Speaker 2: stands today. The first rule of insurance is a big
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Speaker 2: word called indemnity. Right. That means return you back to
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Speaker 2: the way you were, no better, no worse than before
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Speaker 2: the incident. Right. Does your agent know that word? Right?
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Speaker 2: Maybe maybe not. You should know it, and now you
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Speaker 2: do listening to this show. So what we want to
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Speaker 2: do is make sure that we can return you back
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Speaker 2: to whole if something does happen. Right, it's making sure
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Speaker 2: that you have the proper and adequate replacement of cost amount.
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Speaker 2: Is it an HO three? Is it an HO five?
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Speaker 2: Do you know the difference? Right? What types of coverages
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Speaker 2: and perils? Peril pe r I L is the cause
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Speaker 2: of loss? Right, So we want to make sure that
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Speaker 2: you have adequate and appropriate replacement costs. We add typically
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Speaker 2: on ours, on our policies, we'll add what's called extended
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Speaker 2: dwelling replacement costs. And you're like, what is that? So
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Speaker 2: let's say you have you know, a five hundred thousand
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Speaker 2: dollar home, right, we would add maybe an additional two
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Speaker 2: hundred and fifty or one hundred and twenty five thousand
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Speaker 2: dollars of additional cushion in case of a total loss.
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Speaker 2: And when that total loss happens building materials of spiked right,
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Speaker 2: and you may that five hundred thousand dollars initial amount
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Speaker 2: may not be enough to replace your home. With one
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Speaker 2: of our policies, we're going to have an additional one
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Speaker 2: hundred and twenty five maybe even two hundred and fifty
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Speaker 2: thousand dollars bucket of money right to replace that home
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Speaker 2: in the case that your replacement costs isn't adequate. So
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Speaker 2: do you have that? Does your policy have that? I know,
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Speaker 2: costs is a real thing, right, and a real everybody's
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Speaker 2: budget matters. But at the end of the day, are
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Speaker 2: you adequately appropriately covered is a bigger issue.
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Speaker 3: Yeah, man, And those are all questions that you might have.
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Speaker 3: And when you think about that as the difference, I think,
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Speaker 3: at least in my experience, a lot of people would think, well,
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Speaker 3: I had my House of praise last year to praise
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Speaker 3: for two undred and twenty thousand, so I need an insurance.
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Speaker 3: What maybe two fifty will be find Yeah, you know,
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Speaker 3: and that's just not the way that it works.
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Speaker 2: That is not in So and think about like this,
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Speaker 2: the older your home is, right, the greater the difference
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Speaker 2: in market value and replacement should be. Because the building materials, right,
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Speaker 2: the building materials that your home has, right, or potentially
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Speaker 2: you may be in a historic district or something like that,
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Speaker 2: those things can be more expensive to replace because remember
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Speaker 2: we're talking about replacement, not actual cash value replacement costs.
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Speaker 2: We don't want to depreciate your your greatest tangible asset
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Speaker 2: in your home, right. We want to make sure that
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Speaker 2: we can replace that in the event of a loss.
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Speaker 3: Yeah, I think I just remember years and years ago. Well,
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Speaker 3: I used to be in the rental car industry as well,
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Speaker 3: and so I was fairly familiar with the purchase price
9:18
Speaker 3: of cars. We think about how much that the price
9:20
Speaker 3: of cars has increased just in the last ten years.
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Speaker 3: If you bought your house twenty years ago and you're
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Speaker 3: thinking that you're going to be able to replace it
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Speaker 3: for it's a praise value, there's just no chance.
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Speaker 2: Yeah, And does your policy have inflation protection?
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Speaker 3: That's the next thing I want to ask about this
9:34
Speaker 3: I've actually this is something I'm completely ignorant about. So
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Speaker 3: so help me out here a little bit. There's inflation protection, yes, yeah,
9:39
Speaker 3: does that work?
9:40
Speaker 2: So built into your policy should be inflation protection. If
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Speaker 2: you have a solid agent, right, and if you have
9:47
Speaker 2: a solid carrier, you should have replace replacement costs with
9:52
Speaker 2: inflation protection. So that means it's going to increase typically
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Speaker 2: two four six eight percent. You know, every year your
9:59
Speaker 2: replacement costs should be going up. So if you see
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Speaker 2: your homeowner's policy increase in price, give us a call.
10:06
Speaker 2: We can take you right through that and take you
10:08
Speaker 2: and show you exactly if you have inflation protection, because
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Speaker 2: sometimes the built in increase is the fact that you
10:14
Speaker 2: have built in inflation protection. We just had a client
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Speaker 2: we went over yesterday. He had three hundred and eight
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Speaker 2: thousand replacement costs twenty twenty four to twenty twenty five.
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Speaker 2: His renewals coming up in May. See, we do these things.
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Speaker 2: We sit down and talk with our clients every year
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Speaker 2: May twenty If is this renewal, he said, don let's
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Speaker 2: go over this thing, and why did my price go up?
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Speaker 2: And what happened was his replacement costs went from threeho
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Speaker 2: seven to three fifty five. That was the entire reason,
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Speaker 2: and he goes, oh, man, that's great. I was just
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Speaker 2: looking and seeing that building materials had increased in all
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Speaker 2: these things. We put that inflation protection on our policy
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Speaker 2: so that we make sure that our clients are indemnified
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Speaker 2: any event of any type of loss.
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Speaker 3: Man good information from Don Wilson, Capitol Insurance, CREPT. More
10:56
Speaker 3: information online if you want to take a look at
10:58
Speaker 3: his website is absolutely fantastic. Don Wilson's website CIGWV dot com,
11:02
Speaker 3: cigwv dot com where you can find out all kinds
11:05
Speaker 3: of great information for the for the for the business.
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Speaker 3: One of the things I want to make sure that
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Speaker 3: we got out there for you. Though, before we move
11:13
Speaker 3: along and looking at your web page, I just was
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Speaker 3: reminded about this is your affiliation with Dave Ramsey. Well,
11:18
Speaker 3: we talk about it on here a lot Dave. Dave
11:20
Speaker 3: has been on this station for a long time with
11:23
Speaker 3: you know where that free in really showing people the
11:26
Speaker 3: way to financial health and good insurance is a part
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Speaker 3: of that.
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Speaker 2: Yeah, it is. And we I've been the exclusive and
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Speaker 2: only Dave Ramsey endorsed insurance agent since twenty seventeen in
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Speaker 2: the State of West Virginia. We've held that you know,
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Speaker 2: recognition and partnership for almost ten years now, and it's
11:46
Speaker 2: it's they review you typically on a monthly basis. I
11:50
Speaker 2: have my call with them today at two forty five,
11:53
Speaker 2: and it is no, you know, I don't I don't
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Speaker 2: take that lightly, that partnership being the exclusive agent or
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Speaker 2: the entire state of West Virginia, the only agent in
12:02
Speaker 2: the last decade to be endorsed by Dave Ramsey. And so, uh,
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Speaker 2: what that simply means is, UH, you know, I'm held
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Speaker 2: to the highest standards in the industry by one of
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Speaker 2: the top financial experts you know, in the entire world.
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Speaker 2: And uh, I don't take that lightly. And so we've
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Speaker 2: been working with Dave Ramsey's listeners as they go through
12:21
Speaker 2: the baby steps and Financial Peace University and I've actually
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Speaker 2: taught uh Financial Peace University here in Morgantown and in Columbus, Ohio.
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Speaker 2: And so uh, through that partnership, we've you know, done
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Speaker 2: a really good job of helping thousands and thousands of
12:37
Speaker 2: listeners over the last ten years with Dave Ramsey man.
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Speaker 3: Uh, and that's something that when when you have that
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Speaker 3: that kind of branding and that that certainty in there.
12:46
Speaker 3: That means that one of your views to start with
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Speaker 3: is the person's financial health. How to make that holistically
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Speaker 3: work for this actually within their within their financial reality,
12:55
Speaker 3: not just I mean you're the insurance agent, but you
12:57
Speaker 3: can still say, okay, well here's what we're doing with
12:59
Speaker 3: your insurance, and you need to make sure that these
13:01
Speaker 3: other portions of your financial life are in order.
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Speaker 2: Exactly. Yeah, we look at your budget, you know, and
13:07
Speaker 2: like you said, that family, I just gave the scenario
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Speaker 2: and their budget's a lot more healthy as a result,
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Speaker 2: to save over two thousand dollars a year on their
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Speaker 2: insurance and on average, our clients save about eight hundred
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Speaker 2: dollars a year, and every single time, one hundred percent
13:19
Speaker 2: of the time your coverage will be enhanced. It's not
13:22
Speaker 2: an option. We make sure we close those gaps every
13:25
Speaker 2: single time. And so it's not just the sale. We
13:27
Speaker 2: don't we're not looking for a transaction. We're looking for
13:30
Speaker 2: a relationship. And that's why we have the Wii Shop program.
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Speaker 2: That's why we review every single renewal because we want
13:37
Speaker 2: to be fair and honest and make sure that our
13:39
Speaker 2: clients are equipped with as much knowledge about their policy
13:41
Speaker 2: so that if there is an issue, they know exactly
13:43
Speaker 2: who to turn to.
13:44
Speaker 3: As Don Wilson with the Capital INSURANCECRE let me give
13:46
Speaker 3: you the contact information out there. We'll take a break real quick,
13:48
Speaker 3: then we'll come back and wrap up the program. Still
13:50
Speaker 3: look if for your phone calls or your text if
13:51
Speaker 3: you want to ask on any questions about what your
13:54
Speaker 3: insurance situation is. And I know this is something that
13:57
Speaker 3: maybe for your particular situation you don't want to call
14:00
Speaker 3: in for you welcome to give us a text as well.
14:01
Speaker 3: Phone numbers threees are A four three four five fifty
14:03
Speaker 3: eight fifty eight. The text line numbers threes are A
14:05
Speaker 3: four non three five five zero zero eight. That's threes
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Speaker 3: are four non three five five zero zero eight. You
14:09
Speaker 3: might just want to grab your paperwork and walk on in.
14:12
Speaker 3: You can do that as well at six oh seven
14:14
Speaker 3: Pensylvania Avenue right here in Charleston nowt at the Capitol
14:16
Speaker 3: Insurance Group all new location. You can check that out
14:19
Speaker 3: on Pennsylvania Avenue and here downtown Charleston. Their phone number
14:21
Speaker 3: three zero four six zero six twenty nine sixty nine.
14:24
Speaker 3: I know that's a lot of information we'll give it
14:25
Speaker 3: all out to you again. Important thing is you can
14:27
Speaker 3: give us a call this morning three four five fifty
14:29
Speaker 3: eight fifty eight three four five fifty eight fifty. You
14:30
Speaker 3: can also text threezer of four non three five five
14:32
Speaker 3: zero zero eighth. Capitol Insurance Group is online at CIGWV
14:36
Speaker 3: dot com. Don will take a break and be backcraft
14:38
Speaker 3: for this. How's that sound? Give us a call if
14:40
Speaker 3: you have any questions, we'll be right back. You're listening
14:42
Speaker 3: to Ask the Expert with Don Wilson from Capital Insurance
14:44
Speaker 3: Group on five eight WCHS The Voice in Charleston.
14:47
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16:26
Speaker 7: for both. As a prosecutor, Titus took on criminals and traffickers. Now,
16:32
Speaker 7: as a justice, he applies the law as written fairly
16:36
Speaker 7: and independently. Endorsed by law enforcement, he stands with those
16:40
Speaker 7: who protect and serve because when courts uphold the law,
16:44
Speaker 7: criminals are held accountable and communities are safer. For Justice Titus,
16:49
Speaker 7: it's personal.
16:50
Speaker 8: I'm Justice Gerald Titus. I spent my career upholding the
16:54
Speaker 8: rule of law. I was born here, raised here, and
16:58
Speaker 8: now my wife and I are raising our family in
17:00
Speaker 8: West Virginia. We need judges who are fair and apply
17:03
Speaker 8: the laws written and protect the rights of all our citizens.
17:08
Speaker 7: Vote to keep Conservative Justice Gerald Titus on the West
17:11
Speaker 7: Virginia Supreme Court. Vote early or on May twelfth, paid
17:16
Speaker 7: for by Titus for Supreme Court.
17:18
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18:26
Speaker 3: It is seventeen minutes off the top of the hour
18:28
Speaker 3: you're listening to ask the expert w se HS, the
18:30
Speaker 3: voice for Charles and Don Wilson is in studio with
18:32
Speaker 3: us this morning answering your questions about insurance. You can
18:34
Speaker 3: give us a call this morning three zer a four
18:35
Speaker 3: three four five fifty eight fifty eight three four five
18:37
Speaker 3: fifty eight fifty eight. You can text threes are a
18:39
Speaker 3: four non three five five zero zero eight three zer
18:40
Speaker 3: four none three five five zero zero eight, Plenty of
18:43
Speaker 3: things that we need to talk about this morning. Don
18:45
Speaker 3: really does a great educational portion when we're talking about
18:48
Speaker 3: these things we just learned about. Inflation protection, which in
18:50
Speaker 3: this day and age is something that's very important and
18:52
Speaker 3: I just legitimately had no idea it existed. Yeah, so
18:56
Speaker 3: make it so once again if you're out there maybe
18:59
Speaker 3: again the twenty some years with your with your carrier,
19:02
Speaker 3: and and you're and you have no adjustment to the
19:05
Speaker 3: base of your rebuilty your replacement, and that a problem
19:08
Speaker 3: because even if you did it right twenty years ago,
19:11
Speaker 3: it's not right now.
19:11
Speaker 2: It can also work in the opposite direction, right, you
19:14
Speaker 2: could have had six percent inflation protection over the last
19:18
Speaker 2: you know, twenty five years, and now you're one hundred
19:21
Speaker 2: and eighty five thousand our houses insure for you know,
19:24
Speaker 2: six hundred and twelve thousand dollars, right, So you need
19:27
Speaker 2: these things reviewed, right, and having a licensed agent eyes
19:31
Speaker 2: on your policy can never hurt, right, and having a
19:33
Speaker 2: second look also never hurts, right, And so what we
19:36
Speaker 2: want to do is just review what you're currently doing.
19:39
Speaker 2: And if you're doing a great job where you're currently
19:40
Speaker 2: at and we can't help you out, we'll let you
19:42
Speaker 2: know that. But having that peace of mind is powerful,
19:46
Speaker 2: and we want to empower our clients and our consumers
19:49
Speaker 2: of insurance because the commercials certainly don't do that.
19:53
Speaker 3: We've talked about we've talked about the replacement costs, we've
19:56
Speaker 3: talked about inflation protection. Now we can get down into
19:58
Speaker 3: the nitty gritty a little bit because there's all kinds
20:00
Speaker 3: of coverages down there that maybe fly under the radar
20:02
Speaker 3: a little bit.
20:03
Speaker 2: Those are a through.
20:04
Speaker 3: F as you've explained them to me, So explain to
20:07
Speaker 3: your potential clients exactly what that is.
20:08
Speaker 2: Yeah, So if you ever look at your deck page
20:10
Speaker 2: and hopefully some of you guys are doing your homework
20:12
Speaker 2: and you have your deck, your homeowner's declarations page out,
20:17
Speaker 2: and that's your coverage segments, right, There's there's some key coverages.
20:20
Speaker 2: So the dwelling or the home itself is coverage a right,
20:24
Speaker 2: and that is the home you're buying. That's the thing
20:26
Speaker 2: that you see on the zilo and you know all
20:29
Speaker 2: the realtor sites and the glamour shots of the home.
20:33
Speaker 2: That's the structure itself. That's the primary structure and everything
20:37
Speaker 2: attached to it, right. So it's the things that you
20:39
Speaker 2: don't take, including everything in the bathrooms and kitchens and
20:42
Speaker 2: things of that nature. The things that you remodel that
20:45
Speaker 2: would increase the home value, right, that are attached to
20:49
Speaker 2: the primary structure. That's the dwelling. That's coverage. A coverage
20:53
Speaker 2: B is your other structures. That's the stuff that doesn't
20:56
Speaker 2: have its own address, but it's and it's on your
20:58
Speaker 2: property and it's not attached to the home. So think
21:01
Speaker 2: of a detached shed, detached garage, detached card port, things
21:05
Speaker 2: of that nature, privacy fence, things that aren't attached directly
21:09
Speaker 2: to the home that are still on your property. Those
21:11
Speaker 2: things need to be covered. And then think about these things.
21:14
Speaker 2: Have you remodeled your home in the last five, ten,
21:17
Speaker 2: twelve years, right and not reviewed your insurance. You could
21:20
Speaker 2: be behind on your coverage or your replacement costs. Have
21:24
Speaker 2: you added an outbuilding that wasn't there five ten, twelve,
21:27
Speaker 2: fifteen years, right and not told your insurance. You may
21:30
Speaker 2: not have that properly or adequately insured. Right, So think
21:33
Speaker 2: about those two things. Those are the two Those are
21:35
Speaker 2: your structures on the outside, right, the building and anything
21:39
Speaker 2: detached coverage A, the dwelling coverage B other structures. And
21:43
Speaker 2: then you go into the house, right, you think about
21:45
Speaker 2: all of your personal property, so couches and furniture and
21:51
Speaker 2: pictures and clothing and stuff like that. That's coverage seed,
21:55
Speaker 2: that's called personal property, right and what there are limits
21:59
Speaker 2: to that. If you haven't large collection, right, guns, coins, shoes, jewelry,
22:05
Speaker 2: things of that nature, those things need to be insured
22:09
Speaker 2: on a separate policy in my professional opinion, because there's
22:13
Speaker 2: limitations typically five hundred dollars for guns on a policy.
22:17
Speaker 2: So if you've got a huge gun collection and you
22:19
Speaker 2: haven't bought a collector's policy, you may not have the
22:23
Speaker 2: proper coverage. If you have a huge watch collection or
22:25
Speaker 2: a huge bourbon collection or whatever you're collecting those things
22:29
Speaker 2: that are out of the ordinary, right that most people
22:32
Speaker 2: don't have, that are unique to you, you need to
22:35
Speaker 2: purchase a separate policy. We do. We use a couple
22:38
Speaker 2: of carriers, American collectors for your collectibles. Go figure, right,
22:42
Speaker 2: and this is a real uh, we went out on
22:44
Speaker 2: a limb here on the jewelry stuff. We use jewelers
22:47
Speaker 2: mutual right, Go figure that they know how to ensure
22:51
Speaker 2: jewelry a little bit than your homeowner carrier does. And
22:54
Speaker 2: what does that do for you? If you have jewelry lost, stolen, misplaced,
22:58
Speaker 2: whatever it is, right, you can file a separate claim
23:02
Speaker 2: without a deductible instead of having it on your homeowners
23:05
Speaker 2: and it's a claim on your jeweler's policy or your
23:08
Speaker 2: jewelry policy instead of fouling a claim on your homeowner's policy.
23:11
Speaker 2: And it's better coverage because they specialize in this sort
23:14
Speaker 2: of thing, just like the collector's stuff. They specialize in
23:17
Speaker 2: this sort of thing, so you can get more robust coverage,
23:19
Speaker 2: more comprehensive coverage, sometimes no deductible or really low deductible,
23:24
Speaker 2: and you don't have to file a homeowner's claim that's
23:27
Speaker 2: going to follow your homeowner's policy and prices around for
23:30
Speaker 2: the next five, six, seven years.
23:32
Speaker 3: I love. The one thing I learned about about you
23:33
Speaker 3: is how to sort of like placing motes in front
23:36
Speaker 3: of your primary insurance policy. You have all these different
23:39
Speaker 3: layers of coverage that are specialized. It doesn't cost more
23:42
Speaker 3: when you add them all together, but they're specialized to
23:44
Speaker 3: deal with like jewelry or your watches.
23:46
Speaker 2: Or something along those lines.
23:48
Speaker 3: And the other thing that dawned on me one other
23:49
Speaker 3: time when we were talking is that a watch is
23:53
Speaker 3: a great example.
23:54
Speaker 2: That's something that.
23:56
Speaker 3: Like I've always felt like, well, that's somebody that's super
23:59
Speaker 3: affluent that gets to that rule. And they do need
24:01
Speaker 3: insurance too, Don't get me wrong, but there's a lot
24:02
Speaker 3: of people that just really like a particular watch, and
24:05
Speaker 3: maybe they have one or two, but they're really.
24:07
Speaker 2: Value and you know, we see you inherit that way.
24:10
Speaker 2: And I was going to say that too, jewelry or
24:12
Speaker 2: else from Grandpa twenty years ago, and it's worth twelve
24:16
Speaker 2: thousand dollars, right, it's probably.
24:18
Speaker 3: Not covered on your homeowners So you might be just
24:20
Speaker 3: like your your regular You might have your house, your
24:22
Speaker 3: two cars, your kid, everything else, and you don't have
24:24
Speaker 3: a pool, you don't have anything normally Like, man, I'm
24:25
Speaker 3: the most generic person in the world. Don't forget about
24:27
Speaker 3: that inherent that watch, that jewelry or whatever it might be.
24:29
Speaker 3: And people collect stuff. Your collection is unique to you,
24:33
Speaker 3: Your policy is unique to you, but it does not
24:36
Speaker 3: know what you have that is unique to you.
24:38
Speaker 2: You see what I'm saying. Because you have that thing
24:40
Speaker 2: doesn't mean it's covered on your homeowner's policy just because
24:43
Speaker 2: it's personal property. There's a limit in your policy for
24:46
Speaker 2: all of these things. For jewelry, for first, for whatever
24:51
Speaker 2: it may be, for coins, for shoes that you can't have.
24:55
Speaker 2: You know, if you have you know ten persons that
24:57
Speaker 2: are expensive, right, those things may not be covered on
25:00
Speaker 2: the homeowners policy. So you may need to get a
25:02
Speaker 2: collector's policy or jeweler's mutual policy from us to make
25:06
Speaker 2: sure that you're appropriately covered. You don't want to find
25:09
Speaker 2: out you're not covered too late what you think is missing.
25:13
Speaker 3: Let me, let me ask you, Let me give you
25:15
Speaker 3: a hypothetical scenario and in this economy. I talked to
25:18
Speaker 3: a guy Yesterday's a He's a friend of the program
25:20
Speaker 3: on our afternoon show on Hotline and a relatively well
25:23
Speaker 3: known guy. Jeff Erickson is the host of rode Wire
25:26
Speaker 3: on XM and rights for the roade Wire site. He
25:30
Speaker 3: created the whole thing. He's one of the best fantasy
25:33
Speaker 3: sports people in the country. He's really really good at
25:37
Speaker 3: that stuff, and this has been his passion forever. And
25:40
Speaker 3: the thing that he worked himself towards is he was
25:42
Speaker 3: able to just Christen this week is he opened up
25:45
Speaker 3: a in La. He opened up his own prefab studio.
25:48
Speaker 3: So his his studio now that he does his XM
25:50
Speaker 3: show out of that he does our show out of,
25:52
Speaker 3: and all that different stuff is now he got that.
25:54
Speaker 3: You can buy him. Now you get a prefab stude.
25:56
Speaker 3: They're really nice and it's it's beautiful, but it's on
25:59
Speaker 3: his property. So he has a house in La normal house,
26:02
Speaker 3: normal family and everything else. But now they have a
26:04
Speaker 3: whole prefab studio. That's his business. That's in his backyard.
26:08
Speaker 3: That's not your normal insurance policy.
26:10
Speaker 2: Right, that is not your normal insurance policy. And it's
26:12
Speaker 2: probably in my professional experience, probably that's a lot of
26:18
Speaker 2: that stuff's owned in some sort of LLC or es
26:20
Speaker 2: corps or i'm a business, right which is now on
26:24
Speaker 2: his homeowner's premises. Right until you need to notify the
26:28
Speaker 2: insurance carrier if you're doing if you're baking cookies and
26:30
Speaker 2: you're selling them online or whatever. We need to know
26:33
Speaker 2: about your home based businesses and the things that are
26:36
Speaker 2: happening at your primary residence. If it's anything business related,
26:40
Speaker 2: So he would buy, in my professional opinion, get a
26:43
Speaker 2: policy just for that at the same address for his
26:47
Speaker 2: all of his equipment.
26:48
Speaker 3: And you'd have to make sure that's where you have
26:49
Speaker 3: to your equipments and including and that's a different policy altogether.
26:52
Speaker 3: You want to make sure you keep that separate in
26:54
Speaker 3: some ways as well. Right, you've probably heard of dj
26:56
Speaker 3: EJ or EJ. Of course he's one of our clients.
26:58
Speaker 3: So yeah, we run into that sort of thing all
27:01
Speaker 3: the time. And then the other thing that you have
27:03
Speaker 3: to you have to worry about, you know, everything that
27:05
Speaker 3: you have in and we talked about all the different
27:06
Speaker 3: schedules going down through there. One of the important things
27:08
Speaker 3: that you always bring up as well when you talk
27:10
Speaker 3: about things is uh and you mentioned a second ago, but.
27:13
Speaker 2: The loss of use of things.
27:14
Speaker 3: Yeah, you have to make sure that you have those
27:16
Speaker 3: things covered because we think about the material value of
27:19
Speaker 3: replacing one for one something, but the loss of use
27:22
Speaker 3: of something that you use, I mean seriously, that is
27:25
Speaker 3: life disrupting.
27:26
Speaker 2: Right and loss of use coverage on your homeowners it's
27:29
Speaker 2: very similar to the rental car reimbursement on your auto insurance.
27:32
Speaker 2: So you've been displaced from your home as a result
27:34
Speaker 2: of an insurance claim. It could be uh water burst,
27:38
Speaker 2: pipes burst, and you can't occupy the home as a
27:40
Speaker 2: result of mold or whatever. Right, so while that's remediated
27:44
Speaker 2: or repaired, we our policies will put you in a
27:47
Speaker 2: temporary living situation, sometimes a hotel of if it's going
27:50
Speaker 2: to be three four or five days, if it's going
27:52
Speaker 2: to be three four or five months, we find your
27:54
Speaker 2: rental home, right and we cover that on our policies. Uh,
27:58
Speaker 2: So you need to make sure that you coverage d
28:01
Speaker 2: loss of use is adequate and appropriate as well, because
28:03
Speaker 2: some people get under insured that in that area and
28:06
Speaker 2: you don't want to find that out. You know, hey,
28:08
Speaker 2: I don't have that. You know, that's a big reason
28:11
Speaker 2: right here. This is that, in my opinion, is the
28:13
Speaker 2: number one reason you should have renters insurance if you're renting,
28:18
Speaker 2: because it's the likelihood that someone comes to your house
28:21
Speaker 2: still something or but what if there's a big fire
28:24
Speaker 2: right at your rental property, at your rental the home
28:27
Speaker 2: that you're renting, and you can't live in that place
28:29
Speaker 2: until they prepare the kitchen, Right, where do you live
28:32
Speaker 2: at for that ninety days? Right? Your renter's insurance policy
28:36
Speaker 2: covers that just like your homeowner's policy.
28:38
Speaker 3: Would I remember you explaining that to me for the
28:40
Speaker 3: first time is maybe last year sometime or another. In
28:42
Speaker 3: the last couple of years, I had a friend that
28:44
Speaker 3: was in Chicago and they had that wild interurban flooding
28:48
Speaker 3: that they ok, okay, it wasn't from the river, it
28:49
Speaker 3: was like from from water back up. But there was
28:51
Speaker 3: like the blocks of Chicago where some of these ground
28:55
Speaker 3: floor apartments got flooded and it ruined a bunch of
28:57
Speaker 3: people finding out that that they didn't have any coverage
29:01
Speaker 3: of their personal possessions that they had in there, and
29:03
Speaker 3: that's destructive.
29:04
Speaker 2: We hear it weekly. It's like, hey, we go, hey,
29:06
Speaker 2: and you should bundle your renters insurance of it. They go,
29:08
Speaker 2: I don't have much stuff. Well, you do live somewhere, right,
29:11
Speaker 2: and so if you ever have a claim that results
29:14
Speaker 2: in you not being being able to occupy the home
29:16
Speaker 2: for any extended period, your rudder's policy can pay for
29:20
Speaker 2: you to lift someone.
29:20
Speaker 3: And I think you even did you mention to me
29:22
Speaker 3: at that time that you would have even recommend some
29:24
Speaker 3: sort of a water damage although they weren't in a
29:27
Speaker 3: flood zone because something like that specifically could happened.
29:30
Speaker 2: Sewer drain, water back up, all that stuff is highly important.
29:34
Speaker 2: If you live in any sort of condo building, any
29:37
Speaker 2: shared wall situation where the pipes and stuff like that
29:41
Speaker 2: are shared amongst multiple units, you definitely and even if
29:45
Speaker 2: you don't, we used to. I remember a long time ago,
29:49
Speaker 2: ten twelve years ago, when I first starts getting into
29:52
Speaker 2: P and C, people said, Oh, if you don't have
29:55
Speaker 2: a finished basement, you shouldn't have water back up, right,
29:58
Speaker 2: But what if that stuff backs up in your bathroom? Yeah,
30:02
Speaker 2: pipes can back up anywhere. Right, you need to have
30:04
Speaker 2: adequate coverage for that. What we've seen in our research,
30:07
Speaker 2: the average claims about eighteen thousand dollars. The average person
30:10
Speaker 2: has between zero and five thousand dollars in coverage. How
30:13
Speaker 2: happy would you be if your insurance agent walk to
30:16
Speaker 2: you a check in for five thousand dollars to fix
30:18
Speaker 2: an eighteen thousand dollars issue? Right, So look at your policies,
30:21
Speaker 2: get your declaration pages out. You can call us three
30:25
Speaker 2: zero four nine nine three save or three zero four
30:28
Speaker 2: six zero six two nine sixty nine, or you can
30:31
Speaker 2: just call into the show right or stop by six
30:34
Speaker 2: oh seven Pennsylvania Avenue on Charleston's West Side and just
30:37
Speaker 2: have your declarations pages out. You can go to our
30:40
Speaker 2: website if you click to get a quote. Now. On
30:43
Speaker 2: our website, you log into your current carrier and it
30:46
Speaker 2: will send us your current declarations pages. I think we've
30:49
Speaker 2: already had two people do it this morning, which is
30:51
Speaker 2: great sending those declarations pages. Let us give you a
30:55
Speaker 2: free second. Look. There's no obligation to work with us
30:58
Speaker 2: after we review your policy, even after we save you
31:01
Speaker 2: two thousand dollars, there's no obligation to work with us.
31:04
Speaker 2: We just want to make sure that you have the
31:06
Speaker 2: information that you need so that you're adequately appropriately covered.
31:09
Speaker 2: That's all we want to do.
31:10
Speaker 3: I want to give you some time to recap here
31:11
Speaker 3: in just a second. But I wanted to ask you
31:13
Speaker 3: because this is another thing that when you explain to
31:16
Speaker 3: me the math behind it and the reasoning for it,
31:18
Speaker 3: that I was really pretty shocked.
31:19
Speaker 2: What isn't appropriate deductible? Yeah, so me, for me in
31:23
Speaker 2: this day and age, one percent of coverage A is
31:28
Speaker 2: considered reasonable. You're doing okay if you're one percent of
31:33
Speaker 2: coverage A right, think about that? That means the insurance
31:36
Speaker 2: company is going to cover ninety nine percent of the home,
31:40
Speaker 2: you cover one percent. I think that's fair, right. A
31:43
Speaker 2: lot of the times we will do one thousand, twenty
31:47
Speaker 2: five hundred, you know, five thousand. It depends on the
31:50
Speaker 2: home value and your emergency fund. Right. If you have
31:54
Speaker 2: a healthy emergency fund, you can afford to increase your deductible,
31:58
Speaker 2: put more money in your pocket, take the money out
32:01
Speaker 2: of the insurance company's pocket. By having that effective emergency fund,
32:05
Speaker 2: the higher you're deductible to lower your premium, right, And
32:08
Speaker 2: you shouldn't be filing those smaller claims on a home
32:11
Speaker 2: policy anyway. My rule is if you wouldn't access your
32:15
Speaker 2: heelock right, right, Okay, they probably shouldn't file the claim. Right. So,
32:21
Speaker 2: if it's two thousand dollars on a four hundred and
32:24
Speaker 2: eighty five thousand dour house, you're probably not accessing the
32:27
Speaker 2: helot for that. You probably shouldn't file that claim. And
32:30
Speaker 2: so if that's the amount that you're going to self ensure,
32:33
Speaker 2: your deductible should also reflect that. And if it doesn't
32:36
Speaker 2: give us a call, we can make that happen and
32:39
Speaker 2: potentially lower your premium by hundreds if not thousands of dollars.
32:43
Speaker 3: Man, that and that's really the These nuances of coverage
32:48
Speaker 3: and the explainer is really what I get a legitimate
32:51
Speaker 3: interest out of every time we do these shows because
32:53
Speaker 3: I learned so much. We have about two minutes left
32:55
Speaker 3: here though on give us a quick elevator pitch on
32:57
Speaker 3: what we learned here today because there's just so much information.
33:00
Speaker 2: Yeah, make sure you have replacement costs on your homeowners right.
33:03
Speaker 2: Make sure that you're reviewing your renewal every single year
33:06
Speaker 2: with your insurance professional or a insurance professional. Make sure
33:10
Speaker 2: that you know that you have inflation protection, and do
33:14
Speaker 2: you have adequate and appropriate loss of use coverage? And
33:17
Speaker 2: is your deductible your deductible and not the insurance carriers
33:21
Speaker 2: deductible because this is your policy, not their policy. You
33:24
Speaker 2: need to come up with these numbers and these plans
33:27
Speaker 2: and don't let them do that for you. Man, that's
33:29
Speaker 2: great information.
33:29
Speaker 3: With Don Wilson from Capital Insurance Grip, let me make
33:31
Speaker 3: sure we get the information out to you because I
33:33
Speaker 3: want to make sure that you can get a hold
33:34
Speaker 3: of Don if you have any questions. When we leave
33:36
Speaker 3: the airways here today, I think get my mice straightened
33:39
Speaker 3: out here Capitol Insurance GRIP brand new location that's over
33:42
Speaker 3: on Pennsylvania Avenue at six oh seven Pennsylvania Avenue. Their
33:45
Speaker 3: phone number three zerre a four non non three save
33:47
Speaker 3: three zer a four non non three save is the
33:49
Speaker 3: easiest way to get ahold of them six oh seven
33:51
Speaker 3: Pennsylvania Avenue. Here in downtown Charleston. The web address is
33:55
Speaker 3: cigwv dot com. Cigwv dot com is where you can
33:58
Speaker 3: go to find out more information. All kinds of information
34:01
Speaker 3: on there, including the easy way where you can just
34:03
Speaker 3: get a quote by putting in all of your information
34:05
Speaker 3: filling out a few real simple forms.
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Speaker 2: It takes literally thirty seconds. That's not too bad.
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Speaker 3: That's not too bad, and you can maybe save what
34:15
Speaker 3: was it over the twenty two hundred dollars a year
34:17
Speaker 3: or something like that that Don's client yesterday saved.
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Speaker 2: I would love experience. I would love for it to
34:21
Speaker 2: be used.
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Speaker 3: You have donna call. That's how you can do it.
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Speaker 3: Three zero four non none three save. That's the three
34:25
Speaker 3: zero four n nine three save CEIGWV dot com CIGWV
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Speaker 3: dot com for Don Wilson at Capitol Insurance Group.
34:31
Speaker 2: You'll be back here next month. Oh yeah, I'll see
34:32
Speaker 2: you guys next month. The first Friday of every month, now,
34:35
Speaker 2: that's right, First Fridays with Don.
34:36
Speaker 3: The only Friday, the only Friday we open it up.
34:38
Speaker 3: That's for Don Wilson from Capitol Insurance Groups. You can
34:41
Speaker 3: catch him on the first Friday of June. That will
34:44
Speaker 3: be coming up here in just a few weeks. Thanks
34:46
Speaker 3: so much for your time today. I really appreciate it.
34:47
Speaker 3: Thanks a lot of guys.
34:48
Speaker 2: Coming up next is going to be five eighty Live.
34:50
Speaker 2: Dave Allen is back.
34:51
Speaker 3: Dave Allen is back on five eighty Live, so he
34:53
Speaker 3: will be ushering that through today. Later on today he
34:57
Speaker 3: will be at twelve o'clock with Amanda Baron when Metro
35:00
Speaker 3: News Midday. I'll be back this afternoon at three or
35:02
Speaker 3: six with Dave Weekly for the Friday edition of Metro
35:04
Speaker 3: News Hotline. We'll have a great time with that, as
35:06
Speaker 3: we always do. Thank you so much everyone for tuning
35:08
Speaker 3: in today and for listening to five ADWCCHS.
35:11
Speaker 2: We are your voice of Charleston.