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Evolve Insurance Solutions and Rock Realty · Ask The Experts

• 0:01
  Speaker 1: For ten WIV and ask the experts. Hanging out this
• 0:04
  Speaker 1: morning with Matt Heyman. Matt, of course, comes to us
• 0:06
  Speaker 1: from rockrealt the website rock Wisconsin dot com. That's roc
• 0:11
  Speaker 1: K Wisconsin dot com. That's rock Wisconsin dot com. That
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  Speaker 1: is the website Delpha number six oh eight six seven
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  Speaker 1: three fifty four hundred. That's six oh eight six seven
• 0:20
  Speaker 1: three fifty four hundred.
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  Speaker 2: Matt. How you doing this morning?
• 0:23
  Speaker 3: Doing pretty good? How about you, Sean, I'm.
• 0:24
  Speaker 1: Doing really well. I love saying that website. By the way,
• 0:27
  Speaker 1: I get the roc K in the USA stuck in
• 0:29
  Speaker 1: my head, but R O c K Rock Wisconsin easy
• 0:32
  Speaker 1: to remember. Uh, it's you me. And we've got another
• 0:35
  Speaker 1: guest this week, don't we Matt.
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  Speaker 3: Yeah. I thought i'd introduce everybody to Charles Busch this week.
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  Speaker 3: He's the owner of Evolve Insurance Solutions. We've been working
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  Speaker 3: together for a good number of years now, going on
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  Speaker 3: about seven years, I think, and he has a lot
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  Speaker 3: to offer and a ton of knowledge on insurance, and
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  Speaker 3: I thought it'd be a good guest to bring on
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  Speaker 3: and spit some knowledge to everybody.
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  Speaker 2: Really really good.
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  Speaker 1: Charles, welcome to the show. It's good to have you
• 1:01
  Speaker 1: along and last week it was interesting. It's interesting that
• 1:04
  Speaker 1: we're going to be talking about talking about this week's
• 1:07
  Speaker 1: topic about insurance and when it comes to insurance and
• 1:11
  Speaker 1: a house, I think there's a lot of confusion. Last
• 1:13
  Speaker 1: week we talked about on the program assessors, assessments, different
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  Speaker 1: things as far as valuations for homes and very very
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  Speaker 1: good information. And this is going to be another one
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  Speaker 1: of those programs where there's just going to be a
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  Speaker 1: lot of really interesting and important information. And Charles, before
• 1:27
  Speaker 1: we get rolling on this week's topic, real quick, a
• 1:30
  Speaker 1: little bit about your background. You are the owner of
• 1:33
  Speaker 1: Evolve Insurance Solutions. Veteran, let's talk a little bit about
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  Speaker 1: about your agency and how you help people in general.
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  Speaker 4: Absolutely, Sean, So, yeah, my name is Charles Bush. I'm
• 1:43
  Speaker 4: the owner of Evolve Insurtance Solutions. We're an independent agency
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  Speaker 4: with locations in Stoughton and James ol, Wisconsin. As you mentioned,
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  Speaker 4: we're one hundred percent veteran owned and our door is
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  Speaker 4: open to everyone. We're here to help. We use sixteen
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  Speaker 4: personalized companies that we shop through and forty five commercial
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  Speaker 4: lines to basically find the best coverage for the price
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  Speaker 4: for all our customers.
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  Speaker 2: Is that a little bit like a broker kind of
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  Speaker 2: kind of role?
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  Speaker 3: Is that?
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  Speaker 4: Is that? Yeah, we're pretty much a broker, you know.
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  Speaker 4: We we worked for the customer and not for the
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  Speaker 4: insurance company. So we have no problem with you know,
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  Speaker 4: keeping an eye on your policy and just making sure
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  Speaker 4: that you know you're you're getting a good, good price
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  Speaker 4: for your coverage.
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  Speaker 2: And Charles, we'll mention the website again during this during
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  Speaker 2: the program, but real quick for folks that want to
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  Speaker 2: learn more, where's a good place? Uh? At the website?
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  Speaker 2: Where is where can people find you?
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  Speaker 4: Absolutely? So you can visit us online and it's www
• 2:38
  Speaker 4: dot e I s w I dot com And that's
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  Speaker 4: e AS an Evolved as an Insurance s as in
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  Speaker 4: Solutions and w I as in Wisconsin. So e I
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  Speaker 4: s w I dot com.
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  Speaker 1: So what, Charles, what got before we get into some
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  Speaker 1: of the different differentiations and kind of the understanding insurance
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  Speaker 1: for you personally? What what kind of led you down
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  Speaker 1: this path? How did you get involved in working with
• 2:59
  Speaker 1: folks when it comes to insurance.
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  Speaker 4: So I've always been kind of drawn to helping folks
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  Speaker 4: out and I like to talk, so naturally this was
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  Speaker 4: an area where I could use both those skill sets
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  Speaker 4: and really maximize my interaction with folks, and I do.
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  Speaker 4: I mean, that's the thing I really love is helping folks,
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  Speaker 4: you know, help you know, maybe even uncovering things that
• 3:25
  Speaker 4: they didn't know they were missing, and even sometimes improving
• 3:29
  Speaker 4: their coverags and saving them money.
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  Speaker 2: So that's just fantastic.
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  Speaker 1: Talking this morning with Charles Bushy is with Evolve Insurance Solutions.
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  Speaker 1: Of course, this is ask the experts with Rock Realty.
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  Speaker 1: You can learn more about Rockrealty online their website Rock
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  Speaker 1: Wisconsin dot com delph number six so eight six seven
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  Speaker 1: three fifty four hundred, that's six seven fifty four hundred.
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  Speaker 1: Matt heypmen along with us as well from Rockrealty. He'll
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  Speaker 1: be chiming in on some questions as well, and of
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  Speaker 1: course the other website for for Evolve Insurance Solution EI
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  Speaker 1: S with WI dot com. That's EI S Wi.
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  Speaker 2: Charles.
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  Speaker 1: Let's talk about where we are and where things stand
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  Speaker 1: when it comes to the insurance market. Obviously, anytime you
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  Speaker 1: hear the term market things, there's a marketplace. There's a
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  Speaker 1: variety of different options, but there's also always changes. Things
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  Speaker 1: tend to evolve and where the kind of things stand
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  Speaker 1: right now when it comes to that insurance market.
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  Speaker 2: Absolutely so.
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  Speaker 4: One of the biggest things we're doing right now is
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  Speaker 4: we are in a hard insurance market. Now. We haven't
• 4:25
  Speaker 4: had a hard insurance market since the nineteen eighties. So
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  Speaker 4: for many folks, this is something new, and for many
• 4:31
  Speaker 4: agents it says something new. Some agents are even calling
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  Speaker 4: this a titanium market due to how hard it is.
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  Speaker 4: What that means is keep an eye out for premium increases.
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  Speaker 4: It's not unheard of to see a twenty to thirty
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  Speaker 4: percent increase on your home in auto. Right now, you're
• 4:48
  Speaker 4: seeing a lot of companies maybe change their coverages to
• 4:52
  Speaker 4: limit their exposure. Some are putting one percent when heale
• 4:55
  Speaker 4: deductibles in I've seen up to five percent when heil deductibles.
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  Speaker 4: Folks didn't even know about this. Particular folk had a
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  Speaker 4: twenty five thousand dollars deductible for wind and hail. So
• 5:07
  Speaker 4: you know, those are some of the things that I
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  Speaker 4: just want people to look out for. Another thing is
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  Speaker 4: you do have a lot of insurance companies that are
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  Speaker 4: struggling and some that are even you know, going out
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  Speaker 4: of business. So you see, folks, you see insurance companies
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  Speaker 4: pulling from markets, maybe pulling from specific products which are
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  Speaker 4: then creates a void and then drives up prices because
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  Speaker 4: other folks have to take them on and underwrite the risk. So,
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  Speaker 4: I mean, this is all cause from the inflation that
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  Speaker 4: we've kind of had. The cost of construction has gone
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  Speaker 4: through the roof, and I think you and I have
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  Speaker 4: seen all the storms that have gone through. It's been
• 5:43
  Speaker 4: there's been some pretty catastrophic weather patterns that we've been
• 5:47
  Speaker 4: dealing with.
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  Speaker 1: You know, it's interesting what you mentioned pulling out of markets,
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  Speaker 1: and I've heard in our some of our news reporting
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  Speaker 1: over this past year, so pulling some insurance companies pulling
• 5:56
  Speaker 1: out of entire states because things have gotten gotten so
• 5:59
  Speaker 1: difficult and so complex. As we talk about kind of
• 6:03
  Speaker 1: how difficult this market can be. In this hard insurance market,
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  Speaker 1: having somebody working with somebody like you, Charles, it's able
• 6:09
  Speaker 1: to help compare and understand that stuff. I mean, it's
• 6:13
  Speaker 1: insurance is a great thing until you need it and
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  Speaker 1: then discover it's either you've got a super high deductible
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  Speaker 1: and those.
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  Speaker 2: Type of things.
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  Speaker 1: Having somebody upfront that can say these are your options,
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  Speaker 1: these are the costs, these are deductibles and things to
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  Speaker 1: be aware of. Got to be a great benefit for
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  Speaker 1: folks that work with you to kind of be able
• 6:31
  Speaker 1: to compare these different options and different opportunities and have
• 6:35
  Speaker 1: somebody like you with a knowledge to say this is
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  Speaker 1: probably for you, what's going to be the best fit? Oh?
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  Speaker 2: Correct?
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  Speaker 4: And we are one hundred percent for the customer. So
• 6:45
  Speaker 4: majority of the time, I say ninety percent of the
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  Speaker 4: time we are able to help folks out improve their coverage,
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  Speaker 4: give them a fantastic gread. There are some times where
• 6:53
  Speaker 4: I'll come back and say, hey, this actually isn't that bad,
• 6:57
  Speaker 4: and you might want to make this tweak to it.
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  Speaker 4: So we're we're definitely not just going to be selling
• 7:01
  Speaker 4: the customer something. We're going to be reviewing it with them,
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  Speaker 4: making sure it's a good fit. And you know, the
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  Speaker 4: most important thing is we have several options. We have
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  Speaker 4: some companies ourselves that we are not very thrilled with
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  Speaker 4: the increases that they're taking, so we're remarketing we're moving
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  Speaker 4: them to more competitive companies. Now, if you're stuck with
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  Speaker 4: a captive agency such as an ant BAM or state farm,
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  Speaker 4: there's really no options to do that to move you
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  Speaker 4: to maybe a more competitive company, and we are seeing
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  Speaker 4: that there's definitely some companies that are better positioned to
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  Speaker 4: be more competitive right now versus some like you alluded
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  Speaker 4: to that are pulling out of states, that are pulling
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  Speaker 4: out of products and are just not very competitive right now.
• 7:43
  Speaker 1: Talking this morning with Charles Bushy is with Evolved Insurance Solutions,
• 7:46
  Speaker 1: the website eiswi dot com. This is, of course ask
• 7:51
  Speaker 1: the experts with Rockrealty. Matt Heytman along with us as
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  Speaker 1: well Don't freak can learn more about Rock Realty on
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  Speaker 1: their website Rockwisconsin dot com. That's OROC Wisconsin dot com.
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  Speaker 1: They're telephone number six, so eight six seven three fifty
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  Speaker 1: four hundred. That's six seven three fifty four hundred and Charles,
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  Speaker 1: as we kind of break down some of these different
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  Speaker 1: types of coverages in some of the different areas as
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  Speaker 1: we talk with with Matt each week, you know, buying
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  Speaker 1: a home isn't something you typically do. You know, you
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  Speaker 1: may do it a couple of times in a lifetime,
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  Speaker 1: so when you when you go back to do it,
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  Speaker 1: there's a lot of learning. I think sometimes the mistake
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  Speaker 1: people make with insurance is they set it and forget
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  Speaker 1: it and that can be quite costly. Or is that
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  Speaker 1: something Charles that at Evolve Insurance Solutions, you guys are
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  Speaker 1: working with people to kind of whether it's coming up
• 8:39
  Speaker 1: for renewals or or kind of approaching things saying, hey,
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  Speaker 1: maybe we want to reanalyze this, maybe company B is
• 8:45
  Speaker 1: better than the current company or with I mean, are
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  Speaker 1: you actively managing stuff for folks like that?
• 8:50
  Speaker 4: That is correct, So we do have an active renewal
• 8:52
  Speaker 4: process that we go through. We reach out to our
• 8:55
  Speaker 4: our customers. The biggest thing is we're Evolve Insurance Solution,
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  Speaker 4: so we want to evolve grow and we want to
• 9:01
  Speaker 4: make sure we're protecting all of our clients' needs and
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  Speaker 4: those change, Let's be honest, those change over time. Unfortunately,
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  Speaker 4: we have run into situations where folks have that are
• 9:10
  Speaker 4: dwelling living on their home and we look at it
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  Speaker 4: and it can be forty to fifty sometimes one hundred
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  Speaker 4: percent under insured, which you know you find out unfortunately
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  Speaker 4: sometimes when you got to file that claim. So we
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  Speaker 4: are fixing a lot of that. We're running the situations
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  Speaker 4: where maybe they don't have it covered periods such as
• 9:28
  Speaker 4: pools for other structures, boat houses, peers all sorts of
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  Speaker 4: things that people just you know, the agent maybe forgot
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  Speaker 4: to ask about, or maybe it was things that were
• 9:38
  Speaker 4: acquired down the road. So you know, at minimum, we
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  Speaker 4: like to check in a few times a year just
• 9:43
  Speaker 4: to make sure our clients are being taken care of,
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  Speaker 4: and we automatically right now used to be ten percent,
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  Speaker 4: but due to the hard insurance market, anything above twenty
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  Speaker 4: percent are our back office is automatically quoting and comparing
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  Speaker 4: rates to make sure that our customers are still in
• 9:58
  Speaker 4: the best product.
• 9:59
  Speaker 1: Talking this morning with Charles Bush, he is a veteran
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  Speaker 1: owner with Evolved Insurance Solutions, mentioned their website e I
• 10:05
  Speaker 1: s w I dot com. That's e I s w
• 10:09
  Speaker 1: I dot com. You mentioned earlier, Charles, you mentioned, of course,
• 10:13
  Speaker 1: we've had storms roll through here. I lived down in Edgerton.
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  Speaker 1: We've had like, you know, three tornadoes and one of
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  Speaker 1: them was was less than a mile from my house.
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  Speaker 1: It's I mean, it's and and thank goodness, knock on wood.
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  Speaker 1: Nothing has been horrible, but if you know, I saw
• 10:27
  Speaker 1: houses lose some siding, some outbuildings go down. We've had
• 10:32
  Speaker 1: had those type of things. And then folks, you know,
• 10:34
  Speaker 1: piece I mentioned the siding parts of roof working with
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  Speaker 1: somebody when it comes to things like undamaged siding and roofing,
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  Speaker 1: what are what are some of the things that folks
• 10:42
  Speaker 1: need to be.
• 10:42
  Speaker 2: Aware of there?
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  Speaker 1: And how do you as a as an insurance a
• 10:45
  Speaker 1: guy with evolved insurance solutions, as the owner there, how
• 10:49
  Speaker 1: do you guys get involved in that type of situation?
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  Speaker 3: Sure?
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  Speaker 4: So in Wisconsin, the two big things we have is
• 10:55
  Speaker 4: wind in hell. As you've experienced, we've had tornadoes going through.
• 11:00
  Speaker 4: It's been unreal the amount. I think one day we
• 11:02
  Speaker 4: head up to eleven tornadoes. So this is something I
• 11:07
  Speaker 4: do stress with my clients. There's always coverage for the
• 11:10
  Speaker 4: damaged part of the roof or the siding, there is
• 11:13
  Speaker 4: not always coverage for the undamaged siding. So if you
• 11:17
  Speaker 4: think about it, if something happens as storm comes in,
• 11:19
  Speaker 4: there is a potential that half the roof gets hit
• 11:22
  Speaker 4: or one side of the home gets hit, but the
• 11:24
  Speaker 4: other sides are fine. In the situation like that, if
• 11:28
  Speaker 4: you didn't have what's called a roof matching endorsement or
• 11:32
  Speaker 4: undamaged siding and roofing restoration coverage, you wouldn't be able
• 11:36
  Speaker 4: to replace that undamaged side, and you could have situations
• 11:40
  Speaker 4: where maybe there are different products on the roof, two
• 11:43
  Speaker 4: different products, maybe two different colors, even if they don't match.
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  Speaker 4: So definitely important. That's the first thing. When typically there's
• 11:51
  Speaker 4: a claim, your claims adjuster is going to look, hey,
• 11:54
  Speaker 4: do you have this coverage? And a lot of times
• 11:56
  Speaker 4: when you have it, there's a cyber leak because it
• 11:58
  Speaker 4: makes their job a lot easier.
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  Speaker 3: And that's something I've noticed too, is like the longer
• 12:03
  Speaker 3: sighting is on a house, the more it fades. So
• 12:05
  Speaker 3: even if you get the same color sighting, it still
• 12:07
  Speaker 3: may not match.
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  Speaker 2: Yeah.
• 12:09
  Speaker 1: Right, And Matt, when you go to list one of
• 12:12
  Speaker 1: those you want it all to match, don't you.
• 12:14
  Speaker 3: Well, or you just don't take pictures of that side house?
• 12:17
  Speaker 2: Right there you go.
• 12:20
  Speaker 1: Talking this morning with Matt Heypmen of Rock Realty their
• 12:23
  Speaker 1: website Rock Wisconsin dot com. And Charles Bush with Evolve
• 12:27
  Speaker 1: Insurance Solutions their website EI SWI dot com. That's eis
• 12:32
  Speaker 1: Wi dot com. We'll talk a little bit more about
• 12:35
  Speaker 1: Charles's role and of course Evolution Evolve Insurance Solutions and
• 12:40
  Speaker 1: what they are able to do for you. We'll talk
• 12:41
  Speaker 1: about some of the equipment, some of the mechanicals and
• 12:44
  Speaker 1: other things around your house. Also things like service lines
• 12:47
  Speaker 1: and es, excavation that's an easy, easier one for me
• 12:50
  Speaker 1: to say, and other things. With the details from Charles,
• 12:52
  Speaker 1: we will do that all next as Ask the Experts
• 12:55
  Speaker 1: with Rock Realty continues right here on thirteen to.
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  Speaker 2: Ten WI B A k w U I B A
• 13:15
  Speaker 2: and asks the experts.
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  Speaker 1: Hanging out this morning with Matt Hetman and Charles Bush. Matt,
• 13:19
  Speaker 1: of course, comes to us from Rock Realty. Charles comes
• 13:22
  Speaker 1: to us from Evolve Insurance Solutions Rock Realty. Their website
• 13:26
  Speaker 1: Rock Wisconsin dot com. That's r O C K Wisconsin
• 13:29
  Speaker 1: dot com. They're telephone number six O eight six seven
• 13:32
  Speaker 1: three fifty four hundred. That's six seven three fifty four hundred.
• 13:35
  Speaker 1: You can learn more about Evolve Insurance Solutions their website
• 13:39
  Speaker 1: e I s WI dot com. That's e I s
• 13:43
  Speaker 1: WI dot com. And Charles, we've left that last segment
• 13:45
  Speaker 1: of I'm talking about things like roofs are siding and
• 13:48
  Speaker 1: understanding that that you know, you really want to make
• 13:51
  Speaker 1: sure that that it's matches and UH and some of
• 13:53
  Speaker 1: the some of the stuff that goes into consideration there.
• 13:55
  Speaker 1: What about things kind of on the inside of your house.
• 13:58
  Speaker 1: You know, I know actually with younger people high end appliances,
• 14:02
  Speaker 1: or older folks that those of us that maybe are
• 14:04
  Speaker 1: big time into baking or something have got that really
• 14:06
  Speaker 1: really beautiful, pricey range that we used to bake in
• 14:12
  Speaker 1: or something like that. Are there coverages for those type
• 14:15
  Speaker 1: of things.
• 14:17
  Speaker 4: Yeah. So one coverage that's become very popular popular is
• 14:22
  Speaker 4: called Equipment Breakdown or with some companies it's called Home
• 14:25
  Speaker 4: Systems Protection. Now, this is a newer coverage i'd say
• 14:29
  Speaker 4: in the last five to seven years that it's been
• 14:31
  Speaker 4: rolled out and then nice thing about it a lot, well,
• 14:34
  Speaker 4: the industry's picking it up, a lot of companies are
• 14:37
  Speaker 4: starting to offer it, and it is a really cool coverage.
• 14:41
  Speaker 4: So what it does is it covers mechanical and electrical
• 14:44
  Speaker 4: breakdown sudden and accidental to all your mechanicals and then
• 14:48
  Speaker 4: all your appliances. And as you kind of alluded to,
• 14:51
  Speaker 4: there are some appliances out there that are very expensive.
• 14:54
  Speaker 4: If you buy any Viking, any Wolf, those kind of items,
• 14:59
  Speaker 4: a couple those go out or even one of those
• 15:01
  Speaker 4: goes out, and you could be out several thousands of dollars.
• 15:04
  Speaker 4: So as long as it's not due to wear and tear.
• 15:08
  Speaker 4: This endorsement will actually pay to replace it, and if
• 15:11
  Speaker 4: they or I'm sorry, pay to fix it, and if
• 15:14
  Speaker 4: they cannot fix it, then they'll replace it. So I've
• 15:16
  Speaker 4: seen furnaces replaced, I've seen you know, high end appliances replaced.
• 15:23
  Speaker 4: Definitely worth the money, typically forty fifty dollars maybe on
• 15:26
  Speaker 4: an endorsement like this, and it can cover anywhere from
• 15:30
  Speaker 4: fifty to one hundred thousand dollars of those types of items.
• 15:33
  Speaker 4: One thing I want to note too is you know
• 15:35
  Speaker 4: there's coverage for lightning strikes, but what happens if there's
• 15:38
  Speaker 4: just an artificially generated current due to maybe the heat
• 15:42
  Speaker 4: or a subpanel surging or substation surging. That's typically not
• 15:47
  Speaker 4: covered unless you have this endorsement. And I've run into
• 15:50
  Speaker 4: that where one of those surges then fried all the
• 15:53
  Speaker 4: appliances in a home and they didn't have any coverage
• 15:56
  Speaker 4: for it. I've got to so definitely an important coverage
• 15:58
  Speaker 4: to have.
• 15:59
  Speaker 2: Weird question for Charles, what if you have an EV
• 16:01
  Speaker 2: plugged in? Is there coverage for that or would that
• 16:03
  Speaker 2: be your car insurance that would cover something?
• 16:05
  Speaker 4: So yeah, right, the EV itself is going to be
• 16:08
  Speaker 4: covered on your car insurance most likely. But you know,
• 16:12
  Speaker 4: let's say it fries the charger, Well, there's a good
• 16:15
  Speaker 4: chance that there would be coverage to repair or replace
• 16:19
  Speaker 4: that charger for the ev But you're correct. I mean,
• 16:22
  Speaker 4: there's so many things nowadays. We have smart home devices,
• 16:25
  Speaker 4: we have cameras. You know, if you be a pool,
• 16:28
  Speaker 4: you have you know, a pump for the pool. So
• 16:31
  Speaker 4: very important to make sure like if something like this
• 16:33
  Speaker 4: does happen that you would have coverage or at least
• 16:37
  Speaker 4: you know your exposure.
• 16:40
  Speaker 1: That's and that's and it's interesting Charles as well as
• 16:42
  Speaker 1: we kind of break down some of these different coverages
• 16:44
  Speaker 1: that folks may not have thought about. And I think
• 16:46
  Speaker 1: one of the important things is when folks get a
• 16:49
  Speaker 1: chance to talk with you, and of course you can
• 16:51
  Speaker 1: learn more online EI s WI dot com. That's EI
• 16:55
  Speaker 1: SWI dot com called the office eight six or eight
• 16:59
  Speaker 1: eight six ninety five seven, that's eight eight six ninety
• 17:03
  Speaker 1: five oh seven for Evolve Insurance Solutions.
• 17:06
  Speaker 2: Charles.
• 17:07
  Speaker 1: One of the great things is having somebody to talk
• 17:09
  Speaker 1: about these things with. Is everybody's a little bit different,
• 17:12
  Speaker 1: everybody's homes a little bit different. Some of their you know,
• 17:15
  Speaker 1: going back to some of these high end appliances. Some
• 17:17
  Speaker 1: folks really and that's that's kind of their big their
• 17:20
  Speaker 1: big investment is they want top end everything, and that
• 17:23
  Speaker 1: can get quite having somebody those can be quite pricey,
• 17:26
  Speaker 1: having somebody you can talk to and say, hey, you
• 17:28
  Speaker 1: want may want to look into the coverage for these
• 17:30
  Speaker 1: type of things. Or as I mentioned, folks, you got
• 17:31
  Speaker 1: an ev what does that mean? Well, it's important to
• 17:33
  Speaker 1: know some of the nuances. What about as we were say,
• 17:37
  Speaker 1: down down in my neck of the woods, I don't
• 17:40
  Speaker 1: know if they've been doing some type of installation with
• 17:42
  Speaker 1: the with the cable and internet, but there've been a
• 17:44
  Speaker 1: number of days where stuff just hasn't worked. And you say, well,
• 17:47
  Speaker 1: that's one thing, but what if somebody were to hit
• 17:49
  Speaker 1: like a like a service line or something like that
• 17:52
  Speaker 1: having some work done. Is there coverage for that that
• 17:55
  Speaker 1: type of issue?
• 17:57
  Speaker 4: Right, So with service lines it and obviously it's going
• 18:00
  Speaker 4: to boil down to who's at fault, you know, so
• 18:03
  Speaker 4: if it was a contractor that caused that, they would
• 18:06
  Speaker 4: be on the hook for that. But like let's just
• 18:08
  Speaker 4: say you had an old water pipe coming in and
• 18:11
  Speaker 4: that just bursts you know, some of these pipes are
• 18:14
  Speaker 4: could be one hundred years old. It is the property
• 18:18
  Speaker 4: owner's responsibility that pipe coming in. And unfortunately, if you
• 18:23
  Speaker 4: don't have underground service line protection, none of your underground
• 18:27
  Speaker 4: service lines are covered. So what this endorsement essentially does
• 18:31
  Speaker 4: is it would pay to excavate, dig up that line,
• 18:35
  Speaker 4: replace the line, and then backfell. Now it sounds kind
• 18:40
  Speaker 4: of simple, but it can be very costly to go
• 18:43
  Speaker 4: through something like this, you know, typically anywhere from eight
• 18:46
  Speaker 4: to ten thousand dollars. So definitely recommend having it if
• 18:50
  Speaker 4: you've got an older home and you may have lead pipes,
• 18:53
  Speaker 4: and this is something that you might have a little
• 18:56
  Speaker 4: bit more exposure than maybe some of the new homes
• 18:59
  Speaker 4: that have newer service lines coming in. So definitely, you know,
• 19:03
  Speaker 4: if it's of a concern to you, look into it,
• 19:07
  Speaker 4: because again it can happen on a new home, but
• 19:10
  Speaker 4: what I've seen is old homes definitely are a little
• 19:12
  Speaker 4: bit more subsectful to this than the newer ones.
• 19:15
  Speaker 1: Really important stuff to know about, and of course start
• 19:17
  Speaker 1: that conversation with Charles, I got to just head on
• 19:20
  Speaker 1: over the website eis wi dot com. That's eis Wi
• 19:24
  Speaker 1: dot com and also pick up phone call the office
• 19:26
  Speaker 1: eight eight six ninety five oh seven. That's eight eight
• 19:29
  Speaker 1: six nine five zero seven. This is ask the experts
• 19:32
  Speaker 1: with Rock Realty and Matt real quick. Let's talk in
• 19:35
  Speaker 1: a moment. We're gonna get to get a really cool
• 19:37
  Speaker 1: opportunity for folks that mentioned they heard the program. But
• 19:40
  Speaker 1: before we get to that, Matt, let's talk a little
• 19:42
  Speaker 1: bit about your role and how you and Charles work together,
• 19:44
  Speaker 1: and really how you help folks that you work with
• 19:47
  Speaker 1: work with Charles and and kind of introduce them to
• 19:50
  Speaker 1: each other.
• 19:51
  Speaker 3: Yeah. Absolutely. You know at Rock Reels, who are always
• 19:54
  Speaker 3: trying to find the best partners in the business, whether
• 19:56
  Speaker 3: that's insurance, title lending and Evolve Insurance Solution, has just
• 20:02
  Speaker 3: been an awesome partner. We just we get we can
• 20:05
  Speaker 3: have just complete confidence knowing, hey, if we send it
• 20:07
  Speaker 3: over Charles, he's going to either get them a better deal,
• 20:09
  Speaker 3: better coverage at a better price, or he's going to
• 20:12
  Speaker 3: tell them to stick with who they are. You know
• 20:14
  Speaker 3: who they're with, and it's it's just it's very nice
• 20:17
  Speaker 3: to be able to have that trust, you know they
• 20:21
  Speaker 3: It's also a nice partnership when you can like use
• 20:24
  Speaker 3: his mechanical you know waivers that we just talked about,
• 20:28
  Speaker 3: and like partner that up, let's say with a home warranty,
• 20:31
  Speaker 3: right or maybe just have the writer alone. And just
• 20:34
  Speaker 3: having that option for people has been really nice. So yeah,
• 20:37
  Speaker 3: one and one of the things that he's always been
• 20:40
  Speaker 3: able to offer our Rock Realty clients is he'll go
• 20:44
  Speaker 3: ahead and give give them a gift for quote. All
• 20:46
  Speaker 3: they have to do is get a quote for insurance
• 20:48
  Speaker 3: and he'll send them a gift card. And my understanding
• 20:51
  Speaker 3: is he's about to offer that to the people listening too,
• 20:54
  Speaker 3: So put you in a box there, Charles, But maybe
• 20:57
  Speaker 3: you can talk more on that.
• 20:59
  Speaker 4: Yeahly So would love to anybody listening if they do
• 21:04
  Speaker 4: want to participate, we will do a twenty five dollars
• 21:07
  Speaker 4: gift for quote, no obligation. So and I mean that
• 21:11
  Speaker 4: worst case scenario, you're gonna get a twenty five dollars
• 21:13
  Speaker 4: gift card. Best case scenario, you're gonna get a twenty
• 21:16
  Speaker 4: five dollars gift card and hopefully improve your coverage and
• 21:19
  Speaker 4: save you a little money as well.
• 21:21
  Speaker 1: Fantastic. All I gotta do is mention you heard today's
• 21:23
  Speaker 1: radio program. When you when you call Evolve Insurance Solutions again.
• 21:27
  Speaker 1: Their telephone number eight eight six ninety five oh seven.
• 21:31
  Speaker 1: That's eight eight six ninety five oh seven. The website
• 21:34
  Speaker 1: EI s WI dot com. That's EI s WI dot com.
• 21:39
  Speaker 1: Talking this week with Charles Bush of Evolve Insurance Solutions
• 21:42
  Speaker 1: and of course Matt Heyman with Rockrealty. Learn more about
• 21:45
  Speaker 1: Rockrealty their website Rock Wisconsin dot com. That's r O
• 21:49
  Speaker 1: c K Wisconsin dot com. Rockrealty's number six so eight
• 21:52
  Speaker 1: six seven three fifty four hundred. That's six seven three
• 21:55
  Speaker 1: fifty four hundred. Charles Matt. Great talking with both of
• 21:58
  Speaker 1: you guys this week. You enjoyed this great day you
• 22:00
  Speaker 1: as well.
• 22:00
  Speaker 4: Thank you so much for having us on Sean
• 22:02
  Speaker 1: News comes your way next right here on thirteen ten
• 22:05
  Speaker 1: WIBA